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Dr. Michael D. Kinsman Provides Credit Advice

In a recent article on WalletHub, Dr. Michael D. Kinsman offers advice to individuals with "fair" credit seeking a credit card. Prior to applying for a credit card, individuals must understand the reasons for their “fair” credit and how to improve their credit score. Dr. Kinsman breaks down the complexity of applying for a fair-credit credit card and recommends two five-star rated credit cards.

Individuals with "fair" credit can easily improve their score to good or excellent with the proper credit card and planned budget. The most important thing to do is to prepare an accurate written budget and understand the interest rates for each credit card. Dr. Kinsman reminds readers to "do the math first" before agreeing to a credit card. Sometimes the “better” credit card will be the one with a refundable security deposit. Read more.