John Smith/VIEWpress/Getty Images Key takeaways The Wells Fargo Autograph℠ Card rewards you with 3X points on restaurants, travel, gas stations and EV charging stations, transit, select streaming services and phone plans. The card…

Key takeaways Credit inquiries can either be in the form of hard inquiries or soft inquiries, and they can happen for a variety of reasons. Hard credit inquiries occur when someone like a landlord or potential creditor is assessing your credit risk, and these kinds of inquiries can lower your…

Richard Drury/ Getty Images; Illustration by Austin Courregé/Bankrate The average rate on a $30,000 home equity line of credit (HELOC) steadied at 8.28 percent this week — close to its lowest level in a year and a half, according to Bankrate’s national survey of lenders. In contrast, the average $30,000…

Key takeaways Most major credit card issuers offer the option to easily lock and unlock cards through their online accounts or mobile apps. Locking a credit card can prevent impulse purchases and keep the account safe from fraud. Recurring transactions will still go through while a credit card is locked.…

Key takeaways The Capital One Platinum Secured Credit card is a no-nonsense card that can help you build credit with no annual fee. Unlike other cards that use your deposit amount as your credit limit, a low security deposit with the Platinum Secured Card could get you up to a…