3 Credit Cards To Build Your Credit

Whether your just starting out, or just starting over, getting the ball rolling towards building a strong credit score takes work. And there's a catch-22 because applying to too many places and getting rejected also negatively impacts your score. Improving or establishing your credit will make it easier to rent or own a home, buy or a lease a car, get approved for a loan, and even some employers may review your credit history to get a better understanding of you character on paper. Fear not, products adjust to the needs and to the times and here are some options that will quickly help you build your credit back up so that you can enjoy the access and the perks that come with it.


Capital One® Secured Mastercard®

This works pretty much like a prepaid card, but with the added perk of reporting to the credit bureaus. Your initial deposit is determined by a credit check, but after 6 months of good payments you can eligible for an increased credit line with no additional deposit.

Regular APR: 24.9% Variable

Learn more and apply here.

OpenSky® Secured Credit Visa® Card

No credit check, but there is a $200 minimum deposit. Open Sky reports monthly to the credit bureaus, their website offers financial education and you can increase your credit line up to $5000 at any time.

Regular APR: 18.14% Variable

Learn more and apply here

Citi® Secured Mastercard®

Powered by Citibank, this card has no annual fees and with monthly notifications to the credit bureaus helps you build your credit quickly. There is a minimum $200 deposit, but they offer Auto Pay, online Bill Pay and alerts to help you keep your finances on track.

Regular APR: 23.9% Variable

Learn more and apply here

PayPath
Follow Us on

Artificial Intelligence

Photo by Andrea De Santis on Unsplash

Looking for a job? In addition to encountering those annoying never-ending job interviews you may find yourself face-to-face with an artificial intelligence bot.

Companies worldwide increasingly use artificial intelligence tools and analytics in employment decision-making – from parsing through resumes and screening candidates to automated assessments and digital interviews. But recent studies claim that AI does more harm than good.

Keep readingShow less

Jobs don't have to be miserable!

Photo by Helena Lopes (Unsplash)

Though the wave of tech layoffs and the threat of a recession has overshadowed yesteryear's news of the great recession, everywhere you look, employees are asking for more — and getting it. Although this time of uncertainty could have given employers back the power, it's still in the hands of the workforce.

From Gen-Z's boundary setting and penchant for quiet quitting when they're being under-recognized, to labor unions and even the WGA writer's strike, we're in an era where workers can make demands about how they work — and where they work. And for many people, they want to work from home.

Keep readingShow less

Southwest Companion Pass

There’s all this talk about solo travel. And for good reason — no wasting precious time waiting for others to get their act together, take the plans out of the group chat and actually buy the tickets. Going solo, you can be spontaneous. You can plan your trips according to your precise tastes. You can hop on any flight and fly awayyyyyy.

Keep readingShow less