Get $200 just for using this card to buy things you need

Plus, the dangers of *not* using a credit card [The Penny Hoarder Daily]( [Together with The Ascent, a Motley Fool service]( There's an art to using a credit card. Spend too much, and you're in trouble. Spend too little, and you're in a different kind of trouble. We're here to help you strike the right balance (pun intended) with your credit cards. That includes telling you about [a card that offers a $200 cash welcome bonus]( and 0% intro APR for balance transfers for 18 months.   [4 Ways an Unused Credit Card Could Still Hurt You]( Tucking a credit card "out of sight, out of mind" may prevent you from overspending, but it could still land you in financial trouble. We're talking about dangers like a lower credit score due to inactivity and potential fraud. To protect yourself, watch out for these [potential pitfalls of an unused credit card](. [Together with The Ascent, a Motley Fool service]( [0% Interest Until Nearly 2026?!]( Zero interest from your love interest? Not good. Zero interest from your credit card? Now we’re talking. How about [zero interest on your credit card for up to 18 months]( This card gives you that and more. No really. When you transfer your existing balance to this credit card, you won’t pay any interest on your transferred debt until nearly 2026. What’s more: you’ll get [$200 in cash as a welcome offer]( and no annual fee. [Apply Now]( [The Best Credit Cards for Bad Credit Right Now]( If your credit's bad, you probably won’t qualify for credit cards with amazing rewards and perks, and the APR will likely be high. But if you can keep your balance low or at zero and spend within a budget, [you could see your credit score go up](.   [5 Ways to Turn Bad Debt into Good Credit]( [5 Ways to Turn Bad Debt into Good Credit]( You'll be in a better place financially and emotionally if you can flip your bad debt into good credit. Here are five ways you can turn the tables on your debt while boosting your credit score, credit limit and discretionary income. That's how you [turn your money frown upside down](.   [Penny Hoarders Love This 10-Day Savings Challenge]( In just a week and a half, you could stop overpaying online retailers, your credit card company and your insurance company. And that covers only three days of this savings challenge. [The rest might surprise you.](   [Save $3,000 Just by Saying "No"]( We did the math, and we think saying no to these seven things could [put around $3,310 in your savings this year](. We also think you have the willpower to pull it off.   [Dear Penny: Why Should I Pay My Boyfriend’s Bills?]( In this episode of Dear Penny, our advice-seeker wants to know if her boyfriend is taking advantage of her financially. Splitting shared costs is one thing, but our letter-writer may be [paying more than her fair share](.   [We'll Text You More Money Tips]( Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. [Learn more]( about how we make money and select our advertising partners. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin. © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S. [View in browser]( [Mailing preferences]( | [Unsubscribe]( | [Privacy Policy](