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:

HSBC Gold vs. Wells Fargo Platinum: Which is Best for You?

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 track. Fortunately, a balance
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Introducing the Marriott Bonvoy Business American Express Card

Learn More Looking for a business credit card with outstanding travel rewards? If you’re a loyal customer of one or more of the 30 hotel brands in the Marriott Bonvoy loyalty program, there’s exciting news for you — American Express just released its new co-branded business travel
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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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Cash Back Cards with No Foreign Transaction Fees

Planning to travel outside the country? Maybe you intend to live abroad for a while. If that’s the case, you might want to take a second look at your credit cards. Specifically, check your cards’ terms for foreign transaction fees. As we’ve mentioned before, many credit cards
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Get Out of Credit Card Debt with a Balance Transfer

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 hefty APR can really
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This U.S. Bank Business Card Now Offers 15 months of 0% Intro APR

Learn More Looking for a new credit card for your small business? Consider the U.S. Bank Business Cash Rewards World Elite MasterCard. This card just increased its 0% intro APR period on purchases from 9 months to 15 months of 0% intro APR and extended it to
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New: Spend Less to Get This Citi / AAdvantage Card’s 50,000-Mile Bonus

Learn More The Citi / AAdvantage Platinum Select World Elite Mastercard (a NextAdvisor advertiser) already had a great bonus — 50,000 miles — but it just got even better. Now you’ll earn those 50,000 miles after spending $2,500 on purchases in the first 3 months from account
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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: Jan. 29, 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

You’ve probably been asked to pay a surcharge or convenience fee before. Maybe you wondered to yourself exactly what the word meant. The prefix sur means over, but who wants to be overcharged when they pay for a haircut? As for convenience fees … the phrase sounds
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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: Dec. 21, 2018 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?

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

Jan. 17, 2019 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
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What Credit Score Do You Need to Get a Credit Card?

Updated: Jan. 14, 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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Best Credit Cards for Charitable Giving

Updated: Jan. 10, 2019 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
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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

Updated: Jan. 17, 2019 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
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What to Look for in a Balance Transfer Card

Updated: Dec. 21, 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: Jan. 21, 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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