NextAdvisor Blog - matt

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:

What’s the Difference Between Revolving Credit and Installment Credit?

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 to learn the differences
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What are Blackout Dates?

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 about blackout dates and
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Chase Freedom vs. Discover it Cash Back: Which Rotating Cash Rewards Card is Right for You?

It’s hard to say no to getting more cash back from your credit card. For the highest cash back rates, you generally need to turn to cash back credit cards with rotating rewards categories. This means that you’ll earn a high cash back percentage on certain kinds
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How to Know Which Travel Credit Card Is Right for You

Many of us dream of jet-setting around the world. Finding a credit card that helps you do that is certainly enticing. Travel credit card can reward you for travel-related spending, like hotel and flight booking. Some can even earn you miles or points for dining out and
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What Credit Score Do You Need to Get a Credit Card?

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 know your credit scores,
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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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Best Credit Cards for Charitable Giving

The holidays are a wonderful time for celebrating with family and friends, enjoying food and giving gifts. It’s also a good time to help the less fortunate. One great way to give back this holiday season and beyond is to choose a credit card that values charitable
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Tips for Avoiding Credit Card Tricks

Halloween can be a bewitchingly good time full of costumes, candy and reveling in harmless horror. When it comes to credit cards, however, most of us are all about minimizing the tricks — and maximizing the treats. We’re talking about confusing rewards programs as difficult to navigate
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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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3 Best Cash Back Credit Cards

Cash back is a well beloved category of credit card rewards. It’s no wonder — most of us wouldn’t turn down more money, and there’s an elegance to the simplicity of cash rewards. That said, cash back cards don’t all work in the same way. Some cards
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What to Look for in a Balance Transfer Card

Updated: Sept. 28, 2018  For many of us, math was not our favorite subject. Addition and subtraction, sure, multiplication and division, OK, but then you get to compound interest. That can be hard to wrap one’s head around! If you are finding yourself paying too much in
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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: Sept. 24, 2018 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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