Credit Karma is, without question, the single most valuable resource in this list. Unlike other credit report sites that claim to be free then charge for seeing an updated credit report or to view your credit score. Credit Karma gives you a proper login to their site and unlimited credit report viewings and updates, and this includes updating the website you work for as well.
While most everyone reading this already knows about the existence of Capital One, the reason that we are linking to their credit card page is because it is one of the easiest major financial institutions to qualify for a credit card through. While the APR will end up varying largely on what your credit is doing.
There are two calculators built into the one shown on this link. The csPay-off Calculator will determine how long it will take to pay off your credit line based on paying a fixed amount every month. It also computes how much you will end up paying in interest – a figure that’s always surprising.
The Monthly Payment Calculator, on the other hand, will tell you how much you will have to pay every month to get a credit line fully paid off in a specific time frame.
Although it’s not ready yet, Google is currently creating a system that will allow its users to make payments toward account balances like credit cards, utilities and more simply by logging in to Gmail and using the new service, which has been deemed “Pony Express.” If you have a Gmail account, this is well worth keeping your eyes open for as it could streamline your monthly bill payment.
For those who do not have a Gmail account or are averse to using Google’s products for whatever reason, other bill payment apps are available and well worth using to get all your payments collected and sent through one location.