NextAdvisor - Matt Ferguson

Matt Ferguson is an editorial compliance associate for NextAdvisor.com. He has a B.A. in Literature and Creative Writing from UCSB's College of Creative Studies, but he prefers writing about credit cards over writing about himself. He has previously edited textbooks and taught English in the Czech Republic.

Posts by Matt Ferguson:

Chase Freedom Unlimited Gets a New 3% Cash Back Offer

Updated: May 23, 2019 Learn More Chase Freedom Unlimited has just added a new 3% cash back offer! Here’s how it works: you’ll earn 3% cash back on all purchases in your first year (up to $20,000 spent) — that’s up to $600 cash back! That’s in
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Which Gas Credit Card is Right for You?

Updated: May 10, 2019 If you drive to work, enjoy road-tripping, drive professionally or even just have errands to run, you’re sure to be spending some time and money at the gas pump. Why not recoup some of that cost with a gas credit card? Gas credit
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Choose Your Cash Back Categories with These Credit Cards

Updated: April 10, 2019 Most cash back credit cards offer fixed or rotating cash back in specific categories, but wouldn’t it be better to pick the category yourself? After all, you know your spending best. Lucky for you, there are a handful of credit cards that offer
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HSBC Gold vs. Wells Fargo Platinum: Which is Best for You?

Updated: June 4, 2019 Sometimes credit card debt that started as a molehill builds up to a mountain faster than you realize. Left with a hefty balance to pay off and high interest rates to contend with, it can be daunting to get your finances back on
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How a Credit Card Charge Dispute Works

What happens when you fight a credit card charge? There are a variety of reasons for a charge dispute, from overcharges to broken or defective merchandise to, worst of all, fraud. Fortunately, you gain some powerful rights to combat these issues when you make payments with a
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Get Out of Credit Card Debt with a Balance Transfer

Updated: May 1, 2019 Whether it’s from indulging in your wants or tending to your needs (such as health crises), it can be all too easy to generate a lot of credit card debt if you aren’t careful. Either way, carrying a large balance and paying a
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This U.S. Bank Business Card Now Offers 15 months of 0% Intro APR

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Learn More Looking for a new credit
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How Many Credit Cards Should You Have?

Maybe your wallet is overflowing with credit cards or maybe you carry a sleek billfold of 1 or 2. Which is the better approach, an abundance or 1 or 2 well-used credit cards? To answer it simply, it all depends on you and your spending habits. Provided
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Best Business Credit Cards for Your Credit Score

Updated: April 4, 2019 There are a lot of great reasons to get a business credit card, like earning rewards on business expenses, separating business costs from your personal accounts and building your business credit scores. However, if you’re a business owner looking to open your first
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What to Know About Surcharges and Convenience Fees

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. You’ve probably been asked to pay a
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What are Business Credit Scores and Why Do They Matter?

You’ve likely heard of credit scores and how important they are to your everyday life, but did you know that your business has credit scores as well? Your company’s business credit scores can greatly impact your corporate future in a number of ways. Your business credit scores
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What’s the Difference Between Revolving Credit and Installment Credit?

Updated: May 2, 2019 Whether it’s to pay for a vacation, car, health emergency or to build up great credit scores to qualify for future loans and mortgages, most of us need to use credit. But is revolving or installment credit right for your needs? Read on
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What are Blackout Dates?

Updated: May 2, 2019 If you’ve seen any commercials or advertisements for a travel rewards credit card, you’ve likely heard the term “blackout dates” before, but do you know what they are and why it’s best to avoid them? We’re explaining exactly what you need to know
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What Credit Score Do You Need to Get a Credit Card?

Updated: May 2, 2019 You’ve probably noticed that credit cards list “credit needed for approval” with terms like Excellent, Good, Fair and Very Poor, but what does that mean? We’ve written about what credit scores are and how they differ from credit reports. However, even if you
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Credit Card Law: What You Should Know About Your Rights

Credit card law, like most law, can be difficult to understand. Yet it is so important to our daily experiences as cardholders. We’ve written about the history of credit cards and credit history, but now we’re diving into your credit card rights. Most of our credit rights
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Best Secured Credit Cards for Rebuilding Credit

Have your credit scores taken a dive? Or maybe you don’t have any credit history. Credit scores impact many aspects of your life, making it crucial for you to improve your credit scores. If you have limited credit or poor credit scores, your best option may be
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Tips for Avoiding Credit Card Tricks

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Halloween can be a bewitchingly good time
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Cybersecurity Matters: Tips for Shopping Safely This Holiday Season

One of the great pleasures of the holiday season is giving great gifts to the ones we love. And what better way to find the perfect gift than to shop online? There are so many online stores … and no lines! But shopping online brings its own
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A Brief History of Credit Cards

Once upon a time, there were no credit cards. There were no plastic payment cards of any kind. Hard to imagine, right? We thought so, too, so we decided to look into the history of credit cards. Sit back while we take a moment to look back
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What’s the Difference Between Charge Cards and Credit Cards?

Updated: June 6, 2019 The terms “charge card” and “credit card” are often used interchangeably, but there are a few key differences that can really matter for your wallet. Read on to see which is best for you. What is a credit card? A credit card is
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How to Improve Your Credit Scores

Credit scores impact almost every aspect of your life. In fact, your scores can be checked by everyone from landlords and employers to mortgage lenders and credit card issuers. As such, it’s essential for you to know what’s on your credit reports and what your credit scores
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Credit Reports and Credit Scores: What are They and Why Do They Matter?

We all know what it’s like to receive grades, but perhaps no grade is more important than your credit score. Whether you need to take out a personal loan or mortgage, want to open a credit card or simply need to be approved to rent an apartment,
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