Understanding interest
How a credit card grace period actually works
A dated explainer on when purchases avoid interest, how the grace period is lost, and why other balances behave differently.
Credit-card guides — page 3
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Guides — page 3
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Practical credit education
Two APRs on one card: where an extra payment actually goes
Separate the required minimum from the payment above it, then check the exception for an expiring deferred-interest balance.
Practical credit education
A billing-error dispute has its own clock and payment rules
Understand the written-notice deadline, the investigation timeline and the difference between disputed and undisputed charges.
Practical credit education
Why interest can appear after you pay the statement balance
A statement closes on one date and a payment arrives on another. That gap can explain a remaining interest charge on a carried balance.
Business rewards
Sapphire Reserve for Business: the spending test behind 200,000 points
A $30,000 purchase requirement makes cash flow central to Chase's business-card welcome offer.
Airline rewards
Southwest Plus: put the welcome offer on a purchase-and-posting timeline
Chase's inspected public page shows 50,000 points. The purchase deadline and bonus posting date answer different travel-planning questions.
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