Even with apps and online account services, calling the number on the back of your credit card makes sense in some situations. Human representatives may have more discretion to waive late fees, lower ...

Credit card issuers often report to the credit bureaus at the end of every billing cycle, but the exact dates can vary. Activities like on-time or late payments and credit utilization are reported, ...

Credit bureaus collect and maintain records on your credit accounts, balances and the payments you make. The three major credit bureaus are Equifax, Experian and TransUnion. Each credit bureau ...