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If you find errors on your reports, dispute the inaccurate information before you apply for a credit card.

When it comes to selecting a credit card, there are hundreds, if not thousands, to choose from.

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Do some research before you decide which card to apply for.

When you’re logged into Credit Karma and search for a new card, you can use Credit Karma Approval Odds as guidelines for the likelihood you’ll be approved for a specific card.

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Identity thieves use the Dark Web to buy and sell personal information.

It’s a great first step to better protect your identity.

This one-time scan looks back to 2006 and searches over 600,000 web pages for your SSN, email or phone number.

But if you can comfortably cover your living expenses and you have a budget you’re used to sticking to, a credit card can be a useful tool to help you manage your finances.

If you’re under 21, you must show a credit card issuer that you’re able to make the minimum payments each month.

Plus, cards often come with different APRs for purchases, balance transfers and cash advances. Common fees assessed by credit card companies include late, balance transfer, cash advance, returned payment and annual fees.

Familiarize yourself with all the fees you may be responsible for before you complete an application.

If you have ever been a victim of a data breach, the Dark Web is a place where your sensitive information might live.

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