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Apache is functioning normally

September 26, 2023 by Brett Tams

The Possible Card — issued by Coastal Community Bank, in partnership with Possible Finance — began slowly rolling out to the public in April 2023. As of this writing, the card is available in most states, with the exception of Hawaii, Nevada and Maryland.

While still in its early stages, the Possible Card won’t help propel your credit journey forward because it currently doesn’t report payments to major credit bureaus like TransUnion, Equifax and Experian. Even once it begins reporting payments, it still won’t be your most cost-effective option. Possible Finance touts “peace of mind” that you won’t be charged interest, but there’s a big caveat: Instead of an annual percentage rate, the card has a monthly fee.

Monthly fees on credit cards are a hot trend now, especially among young financial technology companies (fintechs). But depending on the balance you’re carrying, that fee can be more expensive than interest charges you’d find on a traditional credit card.

The Possible Card does offer predictability in terms of your monthly payment, and it also allows you to bypass a credit check and security deposit. But unlike a security deposit, which is refundable, those monthly fees won’t be. Plenty of other credit cards can jump-start your credit-building goals at a lower cost.

Here’s what you need to know about the Possible Card.

🤓Nerdy Tip

While any credit card’s rewards, benefits and fee structure can be adjusted at any time, new cards from startup financial technology companies are particularly prone to significant changes as they find their place in the market. Keep that in mind as you research your credit card options.

1. The monthly fee adds up

The monthly fee to hold the Possible Card is either:

$8 per month ($96 annually) for a $400 credit limit, or
$16 per month ($192 annually) for an $800 credit limit.

That makes the Possible Card more expensive than similar newcomers in its class. For example:

The Tomo Credit Card (currently waitlisted as of September 2023) charges $2.99 per month. There’s no credit check, upfront deposit or APR.
The Pesto Mastercard costs $3.33 a month, and while a deposit is required, it can be an asset instead of cash.

In fact, for no monthly or annual fee at all, you could consider cards like the Chime Credit Builder Visa® Credit Card, which lets you set your own security deposit, or the Grow Credit Mastercard, which has a free membership tier. Neither card carries an APR, neither conducts a credit check, and all of these aforementioned cards report your payments to credit bureaus.

Or, you could fare even better with a traditional secured credit card. Yes, you’ll have to come up with a one-time security deposit upfront, but for many of the best secured credit cards, you need a minimum of just $200, or nearly what you’d pay — every year and nonrefundable — for the Possible Card’s higher-limit version. Plus, many traditional secured cards come with upgrade paths to better products. The Possible Card does not, nor do many newer fintech-backed cards, for that matter.

The Discover it® Secured Credit Card is a good example of the kind of features to look for in a starter card. It requires a minimum security deposit of $200, but it has a $0 annual fee and earns rewards. It reports payments to all three major credit bureaus, and Discover begins automatic reviews starting at seven months to see whether you qualify to upgrade to an unsecured card and get your deposit back.

🤓Nerdy Tip

If you’re approved for the Possible Card, you can immediately start using the virtual card if you enroll in autopay. Otherwise, you’ll have to wait for the physical card to arrive in the mail.

2. There’s no credit check

The Possible Card doesn’t require a credit check and instead relies on a cash-flow-based underwriting algorithm to determine whether you qualify. But that underwriting process requires you to link an eligible account through a third party called Plaid.

This practice of skipping a credit check in exchange for linking a bank account has become a fairly common practice for certain credit cards, especially newcomers backed by fintechs. But there are better credit cards that don’t require a credit check.

The previously mentioned Chime Credit Builder Visa® Credit Card, for instance, requires opening a Chime Spending Account, but it doesn’t charge any fees or interest. It’s a secured credit card with a flexible deposit. The amount of money that you move from the spending account to the Credit Builder secured account is the amount you have available to spend.

3. No APR or late fees apply, but don’t be fooled

Some credit cards that charge monthly fees instead of interest market the idea of being “predictable,” for budgeting purposes. Possible Finance claims on its website that the monthly fee is cheaper than the charges on a traditional credit card, but that’s misleading. For most credit cards, interest charges don’t apply at all if you pay off the balance in full every month.

With the Possible Card, you’ll owe the monthly fee whether you carry a balance or not.

Depending on the size of your balance, that monthly fee could cost more than the interest charged on a traditional credit card, especially in cases where the card’s credit limit is relatively low. You can use the sliding scales below to illustrate this:

For context, the average APR for credit cards assessed interest in May 2023 was 22.16%, according to Federal Reserve data. If you have less-than-ideal credit, that percentage may be higher.

Trying to get approved for a card?

Create a NerdWallet account for insight on your credit score and personalized recommendations for the right card for you.

4. You can carry a balance over a short term

Unlike some credit cards in its class, the Possible Card allows you to revolve a balance, up to a limit. The card’s Pay Over Time option lets you pay off the balance over four installments if you schedule automatic payments and enroll in the app. There’s no additional charge to use this option as long as the account has a balance of at least $50 and no pending payments.

The downside of the Pay Over Time feature is that the card will be locked and cannot be used for new purchases or automatic recurring expenses until the installment loan is paid off. But the benefit is that this guardrail can prevent you from taking on more debt than you can handle.

If you’re using your Possible Card to make automatic recurring payments for streaming services or other expenses, make sure to change your payment method when you opt in to the Pay Over Time feature.

5. It doesn’t report payments to credit bureaus

The Possible Card is still in its infancy and does not report payments to the credit bureaus as of this writing. The company shared in an email that it has plans to start reporting payments to one bureau in the fourth quarter of 2023.

When your goal is to build credit with a credit card, reporting payments to the three major credit bureaus is a must-have feature. Ideally, you want your credit history to be recorded by all of them so that future lenders can access that information easily.

See more from Chime

Chime says the following:

The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

Source: nerdwallet.com

Apache is functioning normally

September 26, 2023 by Brett Tams

Thanks in part to hosting the 2002 Winter Olympics, the Games helped put this sleeper metropolitan city on the map and pushed the economy to create more things for younger, Mormon and non-Mormon populations alike to enjoy.

Now Salt Lake City is home to booming brewhouses, a trending food scene, a culture that thrives on supporting local businesses and outdoor/indoor sports galore. From hiking to skiing, you can enjoy the mountains surrounding Salt Lake Valley year-round.

As Utah’s state capitol, it’s home to about a third of Utah’s population, with the larger area’s population coming in at 1.3 million. The state as a whole has a pretty young population with the median age being 27 and Salt Lake City’s living is pretty affordable. The average rent for a one-room apartment is $1,317. The greater Salt Lake City area has 22 different neighborhoods, each one a little different in vibe and conveniences.

Salt Lake City is home to the following professional sports teams: The Real Salt Lake MLS team, the Utah Jazz NBA team and the Utah Warriors MLR. Along with some minor league teams like the Salt Lake City Stars NBA G League and the Minor League Baseball team the Salt Lake Bees.

Here are the best neighborhoods in Salt Lake City.

Walk Score: 67/100

If you’re all about the outdoors, then this quiet and small Arcadia Heights neighborhood is just the cozy place you’ll find yourself gravitating toward. Right at the base of the Wasatch Mountains, it’s near outdoor gear shops and hiking trails.

Arcadia Heights attracts middle-aged residents, but that just makes it all the more peaceful. This little neighborhood has parks, dog parks and country clubs, so you can enjoy nature no matter your preference. Head to the mountains from your own back door, or take a 10-minute trip over to the Millcreek Canyon for fly fishing, snow-related sports or a great biking challenge.

Walk Score: 72/100

Not to confuse it with the Bonneville Salt Flats, Bonneville Hills is a nice suburban area just west of East Bench, where young professionals, families and professionals tend to gravitate. The streets have older homes and trees and the area is well-manicured.

It’s conveniently located, letting you reach wherever you need to go in just a few minutes, while still giving you that quieter lifestyle.

Source: Rent./Seasons at Library Square

Median 1-BR rent: $1,412
Median 2-BR rent: $1,918
Walk Score: 89/100

The Central City area is a super biker-friendly neighborhood and touted as the City’s first hipster cove. Central City gives Capitol Hill a run for its money on coffee shops, too, but also offers the brunching destinations of your dreams, why it’s one of the best neighborhoods in Salt Lake City.

Walk around and enjoy the Tracy Aviary, the sculptures in Gilgal Gardens or the perfect view for sunsets in the Faultline Gardens. Thanks to all the parks, bars and restaurants, young professionals have understandably been flocking to the area for years.

Median 1-BR rent: $1,374
Median 2-BR rent: $1,499
Walk Score: 67/100

East Bench traditionally has an older population of retired folks — but they can make the best neighbors. It’s just 10 minutes from Downtown and provides a great suburban feel.

If you’re looking for something a little on the quiet, slightly upscale side with a golf course or two, East Bench is the place for you.

Median 1-BR rent: $1,006
Median 2-BR rent: $1,179
Walk Score: 60/100

The Glendale neighborhood is conveniently close to the downtown hustle and bustle, just west of I-15. This neighborhood loves the outdoors, as it has several parks. The biggest park, Jordan Park, hosts the weekly People’s Market where residents can get freshly grown and homemade goods.

Glendale’s home to the planetarium, Utah’s largest brewery and loads of dining options, too.

Source: Rent./The Charli

Median 1-BR rent: $925
Median 2-BR rent: $1,025
Walk Score: 67/100

What was S.L.C.’s industrial district, like so many other metropolitan areas, has become the revitalized hangout destination for young professionals. With outdoor murals all over the buildings in the Granary and Ballpark District, and so many eating and drinking options, it’s clear to see why so many flock to this area, even if they’re only there to catch a Salt Lake Bees game.

And what’s a minor-league baseball game without beer, right? The district is full of gastropubs and good brews, too, perfect for one of the best neighborhoods in Salt Lake City.

Median 1-BR rent: $925
Median 2-BR rent: $1,095
Walk Score: 64/100

Highland Park has a homey and local feel that’s packed full of history. There’s a pretty large historic preservation effort going on in the neighborhood, which was developed starting in 1910.

Like several other niche areas in S.L.C., Highland Park is all about supporting local businesses, and its efforts have curated quite a few cool shops. Stroll the streets to find a specialty plant retailer, a garden and bird supplier, a bookstore and an old-school pharmacy/gift shop. The food is great, ranging from Italian or Greek to Dutch or sushi.

Highland Park is also known for its Visual Arts Institute, along with its golf course. There’s something for everyone at Highland Park!

Median 1-BR rent: $1,125
Median 2-BR rent: $1,395
Walk Score: 67/100

The Liberty Wells area has a history of ebbing and flowing, due to its play in Salt Lake City’s history. From supporting the city through agriculture to streamlining streetcars, Liberty Wells has had its highs and lows.

Currently, it’s experiencing a massive high and is a huge upcoming residential area. As a part of that, the newer apartment buildings are ample, as are ways to enjoy the neighborhood. From wonderful food choices to Liberty Park or the Chase Home Museum of Utah Folk Arts, there’s pretty much always something to enjoy in the area.

Walk Score: 67/100

The 9th and 9th district likes to say it’s a one-stop-shop for all things dining, shopping and living-related and promotes a “buy local” lifestyle. The neighborhood has figured out that if you eat and shop locally, the money goes back into the community. Mom-and-pop shops are around every corner, and the big-box stores are a little harder to find. The 9th and 9th District calls itself the “anti-mall” community.

From breweries to Thai and Hawaiian eateries, this mellow little neighborhood packs a punch of diversity so its residents will never get bored.

Median 1-BR rent: $1,064
Median 2-BR rent: $1,449
Walk Score: 52/100

Rose Park is on an upward swing in Salt Lake City and is becoming one of the most up-and-coming suburbs in the area. It’s one of the most ethnically diverse areas in the city, and you can’t beat the easy commute!

Loaded with tons of community parks and filling up fast with families, this is a great area if you’re looking to escape the hustle and grind in the throes of a city, but don’t want to get too far out.

Median 1-BR rent: $1,602
Median 2-BR rent: $1,902
Walk Score: 67/100

Sugar House is one of the best neighborhoods in Salt Lake City neighborhood and it’s pretty progressive. In fact, it’s known as one of the most “hippy” neighborhoods in S.L.C. The fun name comes from its first settlers planting sugar beets.

Sugar House is actually one of the city’s oldest neighborhoods, established in 1853 and it’s home to Sugar House Park, a large park with great views on the Wasatch Mountains and ample running trails.

If you’re in the mood to shop, this little neighborhood scattered with Victorian-styled bungalows has you covered, stop into any slew of the hippy boutiques selling anything from olives to tarot cards or locally made goodies.

Walk Score: 41/100

While largely residential and suburban, Sunnyside East feels spread out and laid back with a little less than 700 residents. It’s a little further out from the heart of the city, so most residents are either retirees or families looking for something a little slower and quieter.

The attractions are pretty diverse though, as Sunnyside East is home to a golf course and the zoo. Those attractions bring in plenty of events throughout the year, too. With plenty of food options — pho, smoothies, curry, delis and sushi — there’s no reason to ever leave the area.

Median 1-BR rent: $1,200
Median 2-BR rent: $1,700
Walk Score: 68/100

If you’re into an old-town feel, something lined with old homes that need love, The Avenues is the S.L.C. neighborhood for you. Stretching up along the hillside, this region overlooks the State Capitol Building and has a storied, history-rich vibe. If you’re a coffee fiend, this is the neighborhood of your dreams. With all the political hustle in this neighborhood, the coffee runs faster than the Legislature.

Take a scenic stroll through architectural wonders like the nearby Cathedral of Madeleine, the State Capitol building itself or the Salt Lake Masonic Temple. For a slightly spookier journey, you could always try to find the city’s oldest grave in the Salt Lake City Cemetery. Be sure to catch a play at the theatre, too.

Median 1-BR rent: $925
Median 2-BR rent: $1,095
Walk Score: 67/100

The University District takes its name from the University of Utah. While it has a fair bit of students and medical professionals coming and going from day to day, this youthful niche has brought in a lot of great hangouts and events to the area’s residents.

Located at the foothills of the mountains, you can’t beat the scenery! Not only is it home to the Natural History Museum, but it also has all kinds of outdoor activities and parks to enjoy, too, like the famed Living Room hike. What you would expect from one of the best neighborhoods in Salt Lake City.

Walk Score: 41/100

Yalecrest is another one of Salt Lake City’s most treasured old historical neighborhoods. Often referred to as Harvard-Yale, these homes were designed with consistency in mind.

Keeping the same architectural motifs of period cottages throughout, there’s a continuity in the homes that’s pleasing to the eye while differing enough to keep you intrigued. It’s this reliability that makes it one of S.L.C.’s most historically well-preserved areas, thanks in part to its residents’ pride in the area.

Because of Yalecrest’s dedication to the original structures, there aren’t too many nonresidential buildings in the area, but the residents love the neighborhood’s charm so much they don’t mind going for a drive to get their groceries.

What’s the best neighborhood in Salt Lake City for you?

Whether you’re a teetotaler or a brewmaster, a golfer or a hiker, Salt Lake City has you covered. If you think you found your new neighborhood, be sure to check out current apartments to rent in Salt Lake City.

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

September 24, 2023 by Brett Tams

What a difference a few months make in the real estate market. Last summer, home prices were selling on the cheap in many cities across the nation.

Fast forward to spring, and the housing market kind of “sucks.” There’s really no other way to put it.

First off, there’s no inventory. This has been an issue for a while now.

Put simply, there’s just very little out there for an individual or family looking to buy a home, at least in the areas they might want to live.

Sure, there are those properties that have been on the market for months, but there’s a reason they’ve been on the market for months.

And yes, you can probably go to a new community built by a mega home builder and find a house, but it’ll likely be on the fringe of a major city next to empty dirt lots and tractors.

Bad Inventory Rising

Because there is a shortage of homes to buy
Prospective sellers are able to list their duds
Knowing that buyers are becoming increasingly desperate
And may overlook flaws or simply settle as a result of the slim pickings available

Now that the housing market is heating up and the media is (rather obnoxiously) getting on board, inventory is finally rising. Let’s call it an inevitable timing thing.

You see, there is real hope in the housing market. And while hope is good for some, it’s not good for buyers, just sellers who finally see the light after so many years in the dark.

Their real estate agents are giving them the green light to dump their properties while avoiding the lengthy short sale process and nasty credit score ding.

Today, these would-be sellers are able to push the values just that little bit more to sell them as standard sales, instead of going the formerly popular short sale route.

After all, a short sale made sense when there was no hope of getting out unscathed, but now that things are looking up, why not hang on a touch longer and avoid the negative ramifications of selling short?

Unfortunately, this means the individual on the other end is picking up the slack at an inflated price, instead of snagging a deal.

Competition Is Extremely Fierce

Not only are the available homes often less desirable
But the competition for these properties is much higher than normal
Making the housing market a really bad place to be as a buyer
Since no one wants to overpay for a home they don’t even love

Factor in the intense competition and you’ve got a double whammy on your hands.

We’re talking inflating the listing price to make it a standard sale, then receiving multiple bids that often push the final sales price above the original ask.

In other words, today’s buyers are acquiring properties with the future home price appreciation already built in.

And that assumes prices actually do increase – it’s not a foregone conclusion, just a rosy expectation at the moment.

I’m also seeing a lot of the notoriously bad properties rear their ugly heads again. Many of these homes sat on the market for months without a single offer, but now they’re going into escrow in a matter of days.

Something is definitely wrong with this picture. I don’t care how low mortgage rates are…

I’ll Wait for Another Dip

The housing recovery won’t feature home prices that go up in a straight line
Just like the downturn ebbed and flowed despite ultimately declining
There might be windows if you’re patient and keep an eye on things
But do expect home prices to keep on rising, and know that it’s okay to just hold off if you don’t find something you truly love

If I wanted to buy a home, I’d hang on and wait for the temporary madness to come to an end. There’s clearly a bubble mentality in the air again, with everyone and their mother bullish on housing.

Whenever that’s the case, it makes for a rather ominous situation. The increase in inventory involves a ton of previously underwater homes that no one wanted, even at lower prices. Or homes that were taken off market and abruptly thrown back on the MLS.

So why would you buy these same homes today at a significant premium? Because a magazine cover said, “Housing Is Back?”

The economy is still in tatters and things don’t exactly appear bright. If anything, a looming stock market crash seems to be on the horizon.

No, the sky isn’t falling, and housing is indeed on the mend after so many off years. But I do see the current cycle as an unsustainable period of growth that will likely unravel as the year goes on.

It’s going to be a bumpy road to recovery, not just a bottom followed by a surge back to new highs. We’ve seen this optimism in past years, only to watch the wheels fall off time and time again.

If you see something you love, go for it. If you’re worried about the missing the boom, you might want to sit down and reassess the situation.

Read more: Buying a home during a seller’s market.

Source: thetruthaboutmortgage.com

Apache is functioning normally

September 24, 2023 by Brett Tams

The Gateway to the West, as the 300,000+ residents refer to their fair city, is an increasingly beautiful, appealing place to park your residence and settle in.

The city has affordable housing in tons of neighborhoods you’ll love exploring, with parks, zoos, museums and activity centers galore, plus tons of art galleries and amusements and amazing dining. The toasted ravioli isn’t all this city has to offer!

Of course, if you’re not sure what the best neighborhoods in St. Louis are right for your personal needs, our list below should help you figure that out pretty quickly — at least on where to start that apartment search!

Median 1-BR rent: $1,767
Median 2-BR rent: $1,662
Walk Score: 60/100

The Central West End is a neighborhood that’s perfect for both young professionals and singles. It’s an ideal location between St. Louis University and Forest Park. In addition, there’s access to several reputable high schools and places of higher education.

The commercial area of this neighborhood has a lot to offer, such as restaurants and walkable shopping locations, live music venues, pubs, nightclubs and bars. There are so many fun things to do that you won’t get bored.

Median 1-BR rent: $1,156
Median 2-BR rent: $1,426
Walk Score: 60/100

Downtown St. Louis is a great place to live for many reasons, the No. 1 reason being its easy access to all the important stuff happening in the city. While there are some prominent tourist attractions that everyone knows about, like the Gateway Arch, there’s still plenty of other things that residents can do.

Another great reason to pick downtown is that you have so many available housing options. There’s almost an endless variety of condos and loft apartments. Often, these are in refurbished buildings with enough character to set them apart.

Median 1-BR rent: $1,205
Median 2-BR rent: $1,820
Walk Score: 80/100

Lafayette Square is just south of Downtown and one of the best neighborhoods in St. Louis. Compared to the Downtown area, Lafayette has a slower speed. There are quiet streets lined with townhomes that fit snuggly in between any number of grand Victorian homes.

The center of this area is Lafayette Park, a 30-acre green space, used by locals for dog walking, jogging and strolls and is where many annual events occur, including regular concerts, food festivals and movie nights. It’s the perfect place to call your own in the midst of a friendly community.

Median 1-BR rent: $1,385
Median 2-BR rent: $1,900
Walk Score: 60/100

Soulard is the place to live if you’re the kind of person who loves the nightlife. Soulard has a wide variety of restaurants, bars and yearly festivals that will help keep you entertained. In addition, the annual Soulard Mardi Gras is one of the most significant events of its kind in the United States.

Besides parties, there’s a lot of variation in the housing offered. The housing styles include alley houses, brick rows, Victorians and more for reasonable prices. In addition, this location provides easy access to the downtown area, right off I-55.

Median 1-BR rent: $1,002
Median 2-BR rent: $1,200
Walk Score: 64/100

Debaliviere Place is an excellent neighborhood for renters who want to live in more upscale condos and apartments. There are also several single-family houses alongside apartments in the older high-rise buildings. This neighborhood is an excellent choice for any students who attend nearby Washington University.

Debaliviere is also a short distance from both Central West End and Forest Park and all the attractions those two areas offer, so you’ll have easy access to Forest Park, the St. Louis Zoo, many museums and lots of green space.

Median 1-BR rent: $2,014
Median 2-BR rent: $2,699
Walk Score: 83/100

Tower Grove is an excellent choice for those looking for a place with easy walking access to various amenities. One of the best neighborhoods in St. Louis has a mixture of residential and commercial areas, so you can find a wide range of choices for dining, shopping and drinking. The food selection is worldwide and includes choices like Ethiopian, Vietnamese and Moroccan food.

In the center of Tower Grove is its namesake park. This Park plays host to a wide range of yearly events, including concerts and other festivals. It makes the perfect center for a family-friendly community.

Median 1-BR rent: $1,156
Median 2-BR rent: $1,426
Walk Score: 60/100

Forest Park is a trendy place to live with many attractive qualities. First is the namesake park, which has a trolley that people can use to see several local attractions. The Park is home to several museums, outdoor music venues and locations for exhibiting art. Its best-known feature is the free St. Louis Zoo, which houses over 12,000 animals and 500 different species. This zoo is world-famous for the care it gives animals and the zoo’s contributions to wildlife conservation.

If those aren’t enough, there are a plethora of places to eat and shop. In addition, you can walk the nature trial, which includes a 75-foot tall waterfall. The part also provides areas for boating, handball and tennis.

Walk Score: 60/100

Benton Park is on St. Louis’ southside and west of Soulard. The neighborhood goes back to 1866, when the city originally founded it as a cemetery. An artificial lake and rustic bridge still serve as reminders of the past.

The unique attractions of the area, outside the great shopping and dining, is the expansive network of underground caverns that attract beer makers to the area. When the brewing industry exploded, German architects moved to the site and helped construct several beautiful buildings still standing. This red-brick architecture found in Benton Park adds to the already attractive neighborhood for young professionals.

Walk Score: 81/100

The Hill neighborhood offers a unique experience within St. Louis for those who love Italian culture and cuisine. In addition, the Hill is very friendly towards those who like to walk with various stores, restaurants and bars within a reasonable distance.

One of the best neighborhoods in St. Louis is marked by having all its fire hydrants painted with the Italian flag. As you explore this neighborhood, you’ll discover many high-quality eateries delivering an authentic Italian dining experience. Gitto’s and Mama’s are two of the more popular places to eat.

Source: Rent./Westminster Place

Median 1-BR rent: $715
Median 2-BR rent: $1,070
Walk Score: 79/100

For those wanting a cultural center, Grand Center might be the place for you. This area is home to the famous Fox Theater, which regularly showcases comedy shows, plays and musicals. The St. Louis Symphony makes their home at the local Powell Hall, a former vaudeville house. In addition, there are regular art walks and open galleries for the public to view the latest art.

This cultural hot spot also offers plenty of places to go after seeing a show. There’s easy access to several shops and restaurants, all within walking distance. And with the affordable rent and high walkability, the neighborhood is the perfect spot for young singles, couples or professionals looking for the good life without the extra cost.

Median 1-BR rent: $1,100
Median 2-BR rent: $1,500
Walk Score: 62/100

The St. Louis Hills neighborhood offers several competitively-priced homes of various sizes to meet the different needs of singles and small families. While it doesn’t have the most accessible access to shops via walking, there are still a good number of bars, shops and restaurants that you can enjoy.

One of St. Louis’ most famous frozen custard locations, Ted Drewes, is here. This restaurant has been operating here for 80 years. Enjoy!

Median 1-BR rent: $1,156
Median 2-BR rent: $1,426
Walk Score: 60/100

For those looking for a primarily residential area, Highway-Pointe (or simple “Hi-Pointe”) has some great features. It’s admittedly not the most walkable of all neighborhoods in St. Louis, but there are many great things to see and do within a quick drive from home. There are coffee shops, the Hi-Pointe Theater and the Hi-Pointe Drive-in restaurant. Other nearby locations that add to the appeal of living here include the St. Louis Zoo and the St. Louis Museum, making this one of the best neighborhoods in St. Louis.

Source: Rent./Giles Ave.

Median 1-BR rent: $625
Median 2-BR rent: N/A
Walk Score: 74/100

Dutchtown isn’t St. Louis’ largest neighborhood. However, it does have the highest population. As a result, this neighborhood offers a wide variety of shopping places, all easily accessible by walking. In addition, this community provides a wide range of highly-rated restaurants to experience.

This district has several high-quality schools that make for an additional incentive for moving here. St. Alexius, an excellent and renowned hospital, is also here, meaning this is a great neighborhood for medical care workers — easy access!

Median 1-BR rent: $1,156
Median 2-BR rent: $1,426
Walk Score: 60/100

The Northampton neighborhood offers reasonably-priced apartments for singles and small families. In addition, it’s a neighborhood known for having some of the best school programs in the area. These high-ranking schools cover every level of education.

A short distance away from this neighborhood is the Hampton Village Shopping Center, which has numerous shops and restaurants that cater to various tastes.

Walk Score: 71/100

The Southwest Garden neighborhood offers a lot to do for its residents. The neighborhood itself is right across from the always beautiful Missouri Botanical Garden. In addition, there are a few quality places to eat and shop just a walk away.

Several regional companies have local offices in this area, as well, and there’s Sublette Park, a popular destination for days with good weather.

Find the best St. Louis neighborhood for you

St. Louis has tons of amazing neighborhoods, many of which are easy to walk and explore on your days off. So, if you’re looking for the best apartments for rent in St. Louis, these are where it’s at — from super budget-friendly to the poshest parts of town. Whatever you’re looking for, it’s here in on of the best neighborhoods in St. Louis!

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

September 24, 2023 by Brett Tams

Is Kansas City in Kansas, or is it in Missouri? It’s kind of both. Both are individually incorporated cities, but together they make up the greater Kansas City metropolitan area.

Long ago, in the 1830s, KCMO got started as a trade outpost to fit hunters with furs and traps. Now, that’s morphed into manufacturing and it dabbles in tech, transportation and healthcare. For visitors, it’s better known for LEGOLAND, the National World War I Museum, tons of art galleries and museums, the Airline History Museum, too many fountains to count and, of course, Kansas City barbecue.

The concentration of barbecue alone is enough to focus on, as Kansas City has the most barbecue restaurants per capita than anywhere else in the U.S. Characterized by burnt ends with extra flavor, and a thicker-than-most tomato-based sweet barbecue sauce smothered on the smoked meat (not on the side!), Kansas City barbecue has made a name for itself for obvious reasons.

Residents cheer on several pro sports teams, like the Kansas City Chiefs, the Kansas City Royals and the Kansas City Current.

The Kansas City metro area has 2.34 million residents. The median age is 35 years old and the median household earns about $55,000. With a whopping 240 neighborhoods making up the city, there’s plenty of variety and subcultures to add to the spice of life for Kansas City residents. Here are 15 of the up-and-coming best neighborhoods in Kansas City for 2022.

Median 1-BR rent: $1,135
Median 2-BR rent: $1,410
Walk score: 48/100

Constructed in the 1920s, Brookside has that beloved historical feeling. But throw in a couple of community staples, like festivals, parades and fairs, and you’ve got a local color you can’t beat.

Kansas City residents claim Brookside is “quintessential Kansas City.” From ghost tours, toy shops, local makers and retailers, art galleries and museums — not to mention all the great food, pubs and cafes — Brookside has a little bit of everything for everyone and offers a whole lot of fun.

Walk score: 83/100

The Country Club Plaza can often feel otherworldly to the rest of Kansas City, thanks to its Spanish-inspired architecture. It’s a pretty popular area since it’s known as the shopping capital of the city, spanning 15 blocks of retail. From designer to local, there’s a shop for everyone.

If visitors don’t come for the shopping, they probably came for the food because it’s just that good. And if they didn’t come for either, they definitely came for one of the two art museums in the neighborhood. If nothing else, maybe they’re there to count all the fountains, of which there are many. It’s no wonder this is one of the best neighborhoods in Kansas City.

Median 1-BR rent: $1,420
Median 2-BR rent: $1,695
Walk score: 85/100

Like many neighborhoods in metropolitan cities across the U.S., Crossroads was once a warehouse district. When the manufacturers left, the area was vacant until someone had a vision. The area became what it’s known for today, the Crossroads Arts District.

Each month on the first Friday, this neighborhood puts on an art crawl spanning 20 blocks with 70 retailers involved. The neighborhood is also home to the Kauffman Center for the Performing Arts, which stages theatrical performances, music and dance recitals.

The area has plenty of breweries and bars to make a whole evening out of the arts, along with great restaurants, too. Hipsters and young professionals flock to the area for its creative vibes and good times.

Median 1-BR rent: $1,735
Median 2-BR rent: $2,420
Walk score: 69/100

Home to LEGOLAND, the city’s aquarium, the Money Museum and a covered ice rink in the winter, there are tons of things to do in Crown Center for families and singles.

Just south of Downtown, this neighborhood also has the Crown Center Mall where there’s plenty of shopping opportunities and local retailers, too. Obviously, the area has plenty of great dining options to boot.

Median 1-BR rent: $1,135
Median 2-BR rent: $1,410
Walk score: 48/100

As one of America’s leading best downtowns, Downtown Kansas City has a lot to offer to keep itself in the ranks. Home to a year-round, Saturday-and-Sunday City Market, come rain or shine, residents have every excuse to go downtown on the regular.

Downtown also hosts about 130 free events each year and boasts dining options from across the world.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

East Bottoms was a booming neighborhood closer to its founding back around 1800. It was well known for its J. Rieger & Co. Distillery, producer of over 100 different products, founded in 1887.

The distillery was eventually forced to shut down during the prohibition, but in 2014, the original owner’s great-great-great-grandson got the distillery up and running again. In addition to its specialty spirits you can taste all over the country in craft cocktails, this distillery opened up its own tasting and dining rooms which revitalized the area and urged other pubs and breweries to join the mix, making it one of the best neighborhoods in Kansas City.

This is a great area in Kansas City to meet up with friends to have a great time.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 54/100

Two of KCMO’s most notable, must-see museums are in the 18th & Vine District: The Negro Leagues Baseball Museum and the American Jazz Museum. Throw in some barbecue (there are plenty of options in the area), and you have three of Kansas City’s biggest passions: Baseball, jazz and barbecue.

Since it’s such a storied area, residents and visitors can enjoy live entertainment and music regularly.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

In recent years, after a stint marked by crime, Manheim Park has gone under a reconstruction period. Merging together old historic constructions with modern designs, there’s a visual flow and continuity in this little neighborhood. This community-member-lead reinvigoration has even been published nationally.

Manheim Park has put in the work to transform itself into an upcoming area with ample easy-living apartments, and the momentum isn’t slowing down anytime soon.

Source: Rent./The Briarcliff City Apartments

Median 1-BR rent: $1,023
Median 2-BR rent: $1,200
Walk score: 28/100

This quiet suburban area of Northland packs a punch thanks to the riverboat casinos, Worlds of Fun amusement park and a shopping district. Along with local retailers are art galleries, festivals and firework shows.

There are also a couple of indoor sporting venues, like rock climbing, or the restaurant-and-play duo that brought pickleball to Kansas City, Chicken N Pickle.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 66/100

Another cove for older, architecturally rich and Victorian homes, Pendleton Heights is definitely worth checking out. Young professionals, families just starting out, artists and creatives tend to flock to this area, and its residents seem to stick around for the long haul.

This rather diverse neighborhood is a tight-knit community where residents tend to look out for one another, and one of the best neighborhoods in Kansas City is also the perfect area to call home.

Median 1-BR rent: $1,504
Median 2-BR rent: $2,187
Walk score: 85/100

Butting up against the Missouri River, River Market has gone by many names in the past, but was the city’s first incorporated district. Its name aptly implies that long ago, the river-side access lent this area to a lot of trade. That still carries into today, though it looks a little different now thanks in part to its bustling open-air farmer’s market.

If you’re into old mobster histories, this district has plenty of that, thanks to its River Quay (just one of the area’s many previous names) era now long ago. A mob war broke out and resulted in burning buildings and businesses, along with a few mob members’ deaths. After the fiasco, the mob left the area, as depicted in “Casino.”

If you lean away from all things true-crime, River Market’s fresh and bustling food, bar and boutique scenes serve as plenty of an attraction, too.

Source: Rent./Gladstone Pointe

Median 1-BR rent: $645
Median 2-BR rent: $750
Walk score: 63/100

About two miles east of downtown, overlooking the Missouri River, Scarritt Point is a well-located neighborhood full of history. With well-manicured streets and sidewalks, overhung with large shady trees, this area was prominent back in the day among affluent families who built large homes.

If old historical residences are what you’re after, this neighborhood is right for you. It’s chock full of local flavors and good dining, too.

Median 1-BR rent: $940
Median 2-BR rent: $1,340
Walk score: 86/100

If you’re looking for a beautiful, well-manicured area loaded with parks, creeks and lush greenery, maybe even a rose garden, then the South Plaza area is the ideal neighborhood for you.

It’s home to the University of Missouri – Kansas City, the Kansas City Repertory Theatre and the National Museum of Toys and Miniatures, so residents have plenty to keep busy. Not to mention the creative and trendy restaurants on-hand in this neighborhood, too. All that goes a long way to help it stay one of the best neighborhoods in Kansas City.

Median 1-BR rent: N/A
Median 2-BR rent: N/A
Walk score: 48/100

The Sunset Hill area is a beautiful neighborhood with great parks and lovely, Colonial- and Tudor-styled homes. This well-maintained area is where young families tend to gravitate, so there are plenty of amenities at hand.

A quick 10-minute drive will bring you right to Country Club Plaza’s offerings, without having to sacrifice the quiet nature of this little suburban haven. With great food and drinks nearby, it’s hard to say no to Sunset Hill!

Source: Rent./The Ridge at Chestnut

Median 1-BR rent: $765
Median 2-BR rent: $870
Walk score: 58/100

Waldo is one of the main entertainment districts in Kansas City. It tactfully balances nightlife with family-friendly events, like the Waldo Fall Festival. Where good drinks are pouring, good plates are easy to find, as is shopping.

Each year, Waldo is home to the Trolley Run, a race following the historic streetcar or trolley tracks throughout the neighborhood. There’s a tight-knit feeling in Waldo, where residents look out for each other and have fun together.

The best neighborhoods in Kansas City — find one that’s right for you

If you found a neighborhood that sounds like your own personal hiatus, check out these apartments for rent in Kansas City!

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

September 23, 2023 by Brett Tams

The Supreme Court is taking on a case that questions the constitutionality of how the Consumer Financial Protection Bureau (CFPB) is funded. Oral arguments are set for Oct. 3.

The CFPB is a consumer watchdog agency funded by the Federal Reserve System, not Congress. This funding mechanism was established by a Democrat-led Congress and is meant to safeguard the agency’s funding against changes in the political climate.

The case against the CFPB was brought by the Community Financial Services Association of America and the Consumer Service Alliance of Texas, which both represent the payday loan industry. The suit alleges that the CFPB’s funding mechanism is unconstitutional under the Appropriations Clause of the Constitution. That clause says “no money shall be drawn from the Treasury, but in consequence of appropriations made by law.”

Last year, the U.S. Court of Appeals Fifth Circuit in New Orleans took on the case and in October 2022, the judges in that panel unanimously ruled against the CFPB.

If the Supreme Court upholds the Fifth Circuit’s ruling it could bring into question all previous enforcement actions the agency has taken since its inception. Such a decision could also stymie the agency’s ability to carry out its mission in the future.

What is the CFPB?

The CFPB was formed in the wake of the 2008 financial crisis, under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Its mission is to implement and enforce federal consumer financial law. It does so by holding accountable the companies that market these types of products such as payday loans, credit cards, student loans and mortgages. It additionally collects consumer complaints.

The CFPB can also take legal action against companies. From 2012 to 2022, the agency has filed 322 public enforcement actions, resulting in more than $16 billion in relief to consumers and $3.7 billion in fines.

How much funding does the CFPB receive?

In fiscal year 2023, the CFPB has $3.57 billion in budgetary resources, which represents roughly 0.006% of the $6.4 trillion fiscal year 2023 U.S. federal budget. But the agency planned to spend much less — about $723.3 million, which represents about 20% of its overall resources.

What is the case against the CFPB?

The question of the CFPB’s funding wasn’t the primary focus of the original lawsuit — its 2017 payday lending rule was. That rule prevents short-term lenders from lending to consumers without reasonably determining if they can repay the debt. It also prevents lenders from withdrawing payments directly from consumers’ bank accounts when payments have been missed without permission of the consumer.

The suit originated in April 2018, was eventually struck down and then appealed in the Fifth Circuit Court. There, the panel of judges didn’t side with the two plaintiffs on their claims against the 2017 payday lending rule, but they did agree with the plaintiffs’ claim against the CFPB’s funding mechanism.

In the Fifth Circuit Court’s decision, it said the “Bureau’s unique, double-insulated funding mechanism” violated the constitution’s separation of powers.

Soon after the Fifth Circuit Court’s decision was handed down, the Biden Administration appealed to the Supreme Court. On Feb. 27, the Court agreed to hear the case in its 2023-2024 session.

What happens next?

The Supreme Court will hear oral arguments on Oct. 3 for Consumer Financial Protection Bureau v. Community Financial Services Association of America. However, a decision is not expected until late spring 2024.

Source: nerdwallet.com

Apache is functioning normally

September 23, 2023 by Brett Tams

Every item on this page was chosen by a Woman’s Day editor. We may earn commission on some of the items you choose to buy.

Best for Floating Flowers

Webelkart Diya Shape Urli Bowl

Best for Floating Flowers

Webelkart Diya Shape Urli Bowl

Credit: Webelkart

This special bowl can hold floating flowers and candles. You’ll appreciate the intricate detail on its metallic finish. Just fill it with water and artificial or real flowers with no stems. You can also use it for scented potpourri.

Most Festive Rangoli

Itiha Indian Rangoli Floor & Table Decoration

Most Festive Rangoli

Itiha Indian Rangoli Floor & Table Decoration

Credit: Itiha

This gorgeous rangoli is a great addition to tabletops. You can also lay it on the floor. Handcrafted by Indian artisans, you can use this to hold one candle at a time.

Best Diwali Door Decorations

Diwali Peacock Porch Banner

Best Diwali Door Decorations

Diwali Peacock Porch Banner

During Diwali, people might also decorate with peacocks due to their bright colors. This intricate door decor — which is made of polyester so it won’t wrinkle — will impress your neighbors.

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Best Budget Diwali Decoration

Diwali Backdrop

Best Budget Diwali Decoration

Diwali Backdrop

Credit: TENCOW

Hang this on any wall in your house for your Diwali party. The bold banner can also serve as a beautiful backdrop for a party photo booth. It features festive images of diyas, rangolis, and candles to boot.

Best Diwali Photo Booth Props

Duormal Diwali Photo Booth Props

Best Diwali Photo Booth Props

Duormal Diwali Photo Booth Props

Credit: Duormal

Who doesn’t love a good photo opp? This 16-piece kit comes with some fun adornments for your photo booth. With signs that say Happy Diwali, Festival of Light, and Warm Diwali Wishes, you can spread joy and awareness of the event. In true photo booth style, you’ll also get fun glasses, lips, mustaches, and more to complete your shot.

RELATED: 40 Fun Diwali Captions to Celebrate the Holiday

Best Diwali Centerpieces

Diwali Honeycomb Table Centerpieces

Best Diwali Centerpieces

Diwali Honeycomb Table Centerpieces

Credit: Know Me

These fabulous Diwali decorations can adorn your tables and other surfaces with bright colors and fun images. This 9-piece set comes flat, but easily opens up into 3D centerpieces. And the best part is, you can reuse them year after year.

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Best Diwali Decorative Table Runner

Linen Diwali Table Runner

Best Diwali Decorative Table Runner

Linen Diwali Table Runner

Credit: Jiudungs

Tablecloths are often either too formal or a little corny, depending on the design. To elevate your table for Diwali and keep things chic yet festive, a table runner is the perfect solution. This one in a lovely purple and gold color scheme will truly dazzle in any party space.

Best Fill-in Rangoli Template

Aditri Creation Designer Rangoli Mat

Best Fill-in Rangoli Template

Aditri Creation Designer Rangoli Mat

Don’t let the simplicity of this rangoli template fool you. When you pair it with colorful rangoli powder, it’ll be a lovely addition to tabletops. If you don’t want to make a mess of the powder, you can also paint it beautifully!

Personalized Diwali Decor

Personalization Mall Diwali Personalized Round Plate

Personalized Diwali Decor

Personalization Mall Diwali Personalized Round Plate

Now 30% Off

Credit: Personalization Mall

Hosting a dinner party or having people over for some delicious treats? A personalized plate can be a great addition to your tablescape. This round plate features a diya. Simply customize with your family name to make it your own.

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Best Large Diwali Banner

Diwali Banner for Fence

Best Large Diwali Banner

Diwali Banner for Fence

Credit: FARMNALL

If you have the space, let your neighbors know you celebrate Diwali with this 8-foot long sign. Display it on your fence or garage. Made of durable fabric, it can withstand wind and snow and won’t fade or wrinkle, so you can use it for years to come.

Best Happy Diwali Outdoor Decor

Diwali Yard Signs

Best Happy Diwali Outdoor Decor

Diwali Yard Signs

Credit: ADXCO

By now, you’ve likely seen graduation, baby shower, and birthday yard signs on your neighbor’s lawns. For Diwali, you can do the same! Share your Diwali pride with your community by staking these fun Diwali decorations outside. The set comes with 11 different pieces that scream Happy Diwali.

Colorful Marigold Garland for Mantle

LoveNTouch Handicraft Marigold Jasmine Toran Garland

Colorful Marigold Garland for Mantle

LoveNTouch Handicraft Marigold Jasmine Toran Garland

Credit: LoveNSpire

With this kit, you’ll get five feet of sweet artificial marigold garland to display over mantles, bookcases, or doorways. Choose from three different color combinations of orange, pink, and yellow.

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Best Rangoli Stencil Set

Rangoli Stencils

Best Rangoli Stencil Set

Rangoli Stencils

Use these rangoli stencils to easily create your own beautiful rangoli designs at home. Get the whole family involved for a fun and inexpensive Diwali activity!

DIY Sand Art Decor

A Kailo Chic Life

During Diwali, you will undoubtedly have candles all over your home. While you can use your standard candle holders, you may want to add some fun for the holiday by making these lovely (and easy!) sand art holders.

Get the Sand Art Decor tutorial at A Kailo Chic Life.

SHOP CRAFT SAND

DIY Dancing Ribbon Rings

Buggy and Buddy

One of the simplest crafts we’ve seen to date, these dancing ribbon rings can be made with your favorite hues. Since Diwali is marked by bold colors, select several colors to tie around wood rings. You can then hang these rings around the house or let kids craft and play with them during your Diwali party.

Get the Dancing Ribbon Ring tutorial at Buggy and Buddy.

SHOP RAINBOW RIBBON

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DIY Tissue Tassel Garland Cake Topper

See Vanessa Craft

We love the idea of using this DIY garland cake topper for your dessert table. If you’re serving a cake or pie, consider hanging it on top to give your table that extra added color that Diwali calls for. And the best part is, it’s easy to make and requires only a few materials.

Get the Tissue Tassel Garland Cake Topper tutorial at See Vanessa Craft.

SHOP COLORFUL TISSUE PAPER

Ysolt Usigan is a lifestyle writer and editor with 15+ years of experience working in digital media. She has created share-worthy content for publishers Shape, What To Expect, Cafe Mom, TODAY, CBS News, HuffPo, The Bump, Health, Ask Men, and Best Gifts. A working mom of two, her editorial expertise in parenting, shopping, and home are rooted in her everyday life.

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Source: womansday.com

Apache is functioning normally

September 23, 2023 by Brett Tams

Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Snapshot: This is an entry-level student credit card with great perks, especially for those who travel via Uber or order with Uber Eats regularly.

Basic Features

An ongoing APR between reg_apr,reg_apr_type
A annual_fees annual fee
Perfect for people with credit_score_needed credit

Additional Details

You can earn an unlimited 1.5% cash back on every purchase
If you spend $100 in qualifying purchases within the first 3 months of opening the account, you qualify for a free $50 cash bonus!
Only through 11/14/2024, you can get a free UberOne membership and up to 10% cash back on Uber and Uber Eats purchases

Pros	Cons
Unlimited 1.5% cash back with numerous ways to redeem	No introductory APR offer
10% cash back on Uber spending through November 2024	Potentially high APR
Coverage of your Uber One membership fees through November 2024
No annual fee

Ready to learn how to apply?

Full Review of Capital One Quicksilver Student Cash Rewards Credit Card

This card is a great choice for students who may not have any credit built up yet but are looking to get in on cash back rewards. Just a heads up: this card is exclusive to students. So if you’re enrolled in a university, a community college or another post-secondary education institution and want to work on building credit while earning some sweet cash back rewards, this card may be right for you. (This is especially true if you’re planning on Ubering around campus or getting delivery through Uber Eats.)

There are quite a few credit card options available in the student credit card market that offer rewards, good interest rates, and low fees for students with low to non-existent credit who are just starting out. There are a few reasons why we like the card_name (in general, Capital One has great card offers), and a few things to consider before applying. Let’s get into it.

What You’ll Like About This Card

Unlimited 1.5% Cash Back

You can earn 1.5% cash back on your everyday purchases with no limits. Other cash back rewards may offer higher, variable cash back rates on unique purchases, but the Capital One Quicksilver Student Cash Rewards Credit Card is simple, direct, uncomplicated. It also allows you the flexibility to redeem your rewards as cash back, gift cards, or statement credits.

10% Cash Back on Uber Eats

Now through November 2024, you can earn even more by using your card to pay for Uber orders. Spend $50 on Uber or Uber Eats every week for a year, for example, and you can end up with an $260 extra as long as you’re paying off your card every month.

Free Uber One Membership

Another way this card helps you save money is that it covers your Uber One membership through November 2024.

Sound good? Learn more about applying for a Capital One Quicksilver Student Cash Rewards Credit Card

The Drawbacks

No Introductory APR Offer

Cards that come with an introductory 0% APR make it possible to make larger purchases initially and pay them off over time without incurring interest. (If you’re a student, that 0% APR may come in handy when buying books or materials for school). However, this card doesn’t have an introductory 0% APR offer.

Potentially High APR

Depending on your approval status, the APR on your card might be relatively high. It’s not a big deal if you regularly pay off your balance, but you might want to shop around to see if you can get a better rate, especially if you have decent credit already.

How Does It Compare to Other Student Credit Cards?

Revvi Visa® Credit Card
Intro APR: None	Intro APR: None	Intro APR: None
Ongoing APR: reg_apr,reg_apr_type based on creditworthiness	Ongoing APR: reg_apr,reg_apr_type based on creditworthiness	Ongoing APR: 35.99% Fixed
Balance Transfer: None	Balance Transfer: None	Balance Transfer: None
Annual Fee: annual_fees	Annual Fee: annual_fees	Annual Fee: $75 first year, then $48 after
Credit Needed: Scores in the credit_score_needed range	Credit Needed: Scores in the credit_score_needed range	Credit Needed: Scores in the poor – bad range

Is It Worth It?

For students looking to build credit, the Capital One Quicksilver Student Cash Rewards Card can be a good option. If you already spend a decent amount with Uber, you can rack up cash back quickly now through November 2024. Then, you can use that cash to cover books or other necessary expenses or splurge on something fun like a concert or weekend trip.

Are you ready to maximize your credit rewards?

Frequently Asked Questions

What are the credit limits for the Capital One Quicksilver Student Cash Rewards Credit Card (minimum and maximum)?

The credit limit you’re approved for depends on your credit history and ability to pay back any balances. That being said, users of the Capital One Quicksilver Student Cash Rewards Credit Card can likely expect credit limits from a few hundred to a thousand dollars or so.

How soon can I increase my credit limit after being approved for a Capital One Quicksilver Student Cash Rewards Credit Card?

Credit card providers are often willing to increase your credit limit after a period of time in which you have demonstrated on-time payments and responsible credit management.

How good is a Capital One Quicksilver Student Cash Rewards Credit Card for building credit?

This is a decent credit-building card for someone (like a student) just starting to build their credit. Capital One also regularly reports to credit bureaus, so your timely payments will be noted and can help you build credit.

See Rates and Fees

Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.

Source: credit.com

Apache is functioning normally

September 22, 2023 by Brett Tams

Through the program, CrossCountry provides Spanish-speaking borrowers with educational tools and translation services to help them move through the loan process. “Our goal is to be a trusted resource by deepening our connection with this community to generate borrower confidence,” Wilson added. “The launch of our Spanish loan application will further those efforts.” Along with … [Read more…]

Apache is functioning normally

September 22, 2023 by Brett Tams

Bankruptcy can happen to anyone—despite their best efforts. And while most people understand that bankruptcy is generally bad for them, many don’t realize the details of how it can impact you. Read below to find out what happens to your credit score after bankruptcy and what you can do to repair your credit afterward.

What Happens to Your Credit Score after Bankruptcy?

After bankruptcy, your credit score can plummet. It will have a devastating impact on your credit health. The exact effects will vary, depending on your credit score and other factors. But according to top scoring model FICO, filing for bankruptcy can send a good credit score of 700 or above plummeting by at least 200 points. If your score is a bit lower—around 680—you can lose between 130 and 150 points.

That said, people with good to exceptional credit scores will see the most notable impact of bankruptcy. If your credit score is already fair or poor—below 670—you may not see large point drops. Yet, the end result will often still be a very low credit score. You simply don’t have as many points to lose to fall to that very poor rating.

Additionally, lenders may hesitate to lend to you if there is a bankruptcy on your credit report.

Do All Bankruptcies Have Equal Impact?

The type of bankruptcy you file and the amount of debt you need to get rid of have varying effects on your credit score.

What Happens to Your Credit Score after Chapter 7 and Chapter 13?

Consumers and small business owners usually choose from two types of bankruptcy filings—7 and 13. These are chapters in the federal bankruptcy code.

Chapter 7: This option is designed to liquidate, or sell off, your non-exempt assets or valuable property. The proceeds are used to discharge, or wipe out, your debt. In most cases, debtors don’t have enough non-exempt assets to repay their debt. But the court discharges those bills anyway. Chapter 7 is reported on your credit report for up to 10 years.
Chapter 13: With this option, you can discharge some of your debt, like medical bills. Meanwhile, you can also partially repay other debts—like a home mortgage or car loan—over a three to five-year period. The three major credit bureaus include Chapter 13 bankruptcy on your report for up to seven years.

Of the two options, Chapter 7 has the more negative impact on your creditors. That’s because you make no repayments. So, financial institutions view you as a higher credit risk. Your score may take a bigger hit with Chapter 7 because of this negative impression.

With Chapter 13, you’re making good on some or all your debt. So, it isn’t reported on your credit report for as long as Chapter 7. Also, you may give future lenders a bit more of a desirable impression of your credit worthiness due to this payment history. This can translate to a slightly more beneficial outcome for your credit rating.

What Bankruptcy Debt Discharges Do to Your Credit

The number of debts and amount you discharge also impact your bankruptcy credit score. Defaulting on several accounts with large balances has more effect than low debt elimination. Your credit history may also play a role if you have positive accounts as well as negative ones. Whether the ratio between these accounts is high or low can make some difference in your score.

Overall, these factors don’t carry much weight for your credit score after bankruptcy, though. The bankruptcy itself and how recently you filed are the most important things that credit agencies and lenders consider. No matter how high your credit score was before a bankruptcy, there will be a noticeable drop immediately after filing. But over time, the impact lessens.

Though Chapter 7 stays on your report for up to 10 years, the debt you discharge may go away sooner. That’s because most negative accounts fall off your report seven years or so after any final payment or activity. But some Chapter 13 debts may show up on your report after the bankruptcy drops off. That’s due to the three to five year repayment time frame. The seven-year period doesn’t start until the account becomes inactive.

How Soon Can You Improve Your Credit Score after Bankruptcy?

Some people mistakenly believe that getting rid of a debt will help their credit rating. So, they think their credit score might increase after bankruptcy discharge. Unfortunately, making regular debt payments is the only method that could improve your credit. But, you can still start working on raising your credit score immediately after a bankruptcy.

Your score won’t go up right away. But the sooner you get started on good credit habits, the sooner the impact will show on your report.

Your low post-bankruptcy credit score doesn’t mean you can’t get some forms of credit. However, it will be more difficult and the terms will likely be expensive. Your best option is a secured credit card. Responsible use and timely payments can help you down the road to a better credit score.

How to Rebuild Your Credit Score after Bankruptcy

While the details of your bankruptcy may remain on your credit report for up to 10 years, this doesn’t mean you have to wait that long to rebuild your credit. There are steps you can take to restore your credit score after bankruptcy.

Over time, your credit score will start to rise if you’re handling credit responsibly. In fact, you may notice an increase in your credit score in as little as 18 months. This increase may be enough to help you obtain some forms of credit, such as a credit card or auto loan, even with bankruptcy on your credit report.

Here’s a look at several steps you can take to start rebuilding your credit score after bankruptcy.

1. Check and Monitor Your Credit Report and Score

It’s important to check and monitor your credit report and score after a bankruptcy. Start by requesting a free copy of your credit report from the three major credit bureaus. Next, check to make sure all the information listed is correct. For example, make sure every account included in your bankruptcy now reports a zero balance. Once you make this initial assessment of your credit report, use a service, such as Credit.com’s Free Credit Score, to regularly monitor your credit.

2. Dispute Any Inaccuracies

If you find any inaccuracies on your credit report, be sure to file a dispute with the credit reporting agency. This includes any accounts under your bankruptcy that don’t show a zero balance. The credit dispute process can take 30 to 45 days to complete, but it’s an important step to take. In many cases, you can complete the dispute process yourself, but you can also seek help from a reputable credit repair service company if necessary.

3. Make On-Time Payments

If you’ve had a bankruptcy, it’s more important than ever to be sure you’re making on-time payments. Building a history of on-time payments can help restore your credit score and show lenders you’ve taken control of your finances. If you haven’t done so already, create a budget to help manage your money. This step can ensure you always have enough funds available to pay your bills on time and help you set up an emergency fund.

4. Make Your Phone and Utility Payments Count

You may not realize it, but your phone and utility payments aren’t usually included in your credit report. Even if you pay these bills on time every month, it won’t impact your credit score. After bankruptcy, you need to make sure you get credit for every positive step you take.

Fortunately, there are services available, such as Credit.com’s ExtraCredit®, that help you report these payments to your credit report. Be sure to sign up for one of these programs as soon as possible.

5. Pay Down Debt

If you have any credit accounts that weren’t part of your bankruptcy, make sure you continue to repay these loans as quickly as possible. Do your best to pay off at least 70% of this outstanding balance to bring your credit utilization rate under 30%. For larger credit accounts, such as student loans, paying off 70% right away may not be possible. In these cases, making your regular monthly payments is enough to start rebuilding your credit score after bankruptcy.

6. Obtain a Secured Credit Card

Once you start rebuilding your credit, you may qualify for a secured credit card. This type of credit card requires you to put down some type of security, typically cash. Regularly using this credit card and making on-time payments is a good way to start repairing your credit. After a year or so of making on-time credit card payments, you may qualify for an unsecured credit card.

7. Control Spending

If out-of-control spending led to your bankruptcy issues, take the time to get control of your spending. Set a strict budget that allows you to pay all your bills plus set some money aside each month for savings. Once you start rebuilding your credit, resist the urge to open too many credit accounts. Instead, only open credit accounts that fit your budget.

8. Apply for a Credit-Building Loan

You can also consider taking out a credit-building loan. Typically, these are smaller loans for amounts such as $500 or $1,000, and they come with a set repayment schedule. These loans are specifically designed to help rebuild your credit. You may find credit-building loans available at smaller community banks and credit unions.

Start Improving Your Credit after Bankruptcy Today

To eventually raise your credit score after Chapter 7 or Chapter 13, you must stay aware and alert about your credit usage. Check your credit with Credit.com’s free credit report card. This provides you with a point of reference as you start rebuilding your credit.

Stay on top of your credit usage and how it’s reflected on your credit report. Access convenient tools that allow you to do this quickly and easily. Be smart and responsible with your finances. Then check on how your efforts are paying off with timely credit score monitoring.

Source: credit.com