Wiki
Plain-language guides to points, cards, credit, banking, eSIM and travel
Short, sourced explainers you can read in a few minutes. Each one names where its facts come from and when we last checked them.
72 guides across 8 topics
Browse by topic
- Rewards basicsHow rewards, interest and statements actually work.6 guides
- Credit cardsSign-up bonuses, annual fees, issuer rules and the fine print.13 guides
- Points & milesAirline, hotel and bank points: how they are earned, valued and kept.8 guides
- Credit & your rightsScores, reports, freezes, disputes and the laws behind them.12 guides
- Banking & paymentsAccounts, IBANs, cross-border transfers and virtual cards.10 guides
- eSIM & connectivityStaying online abroad without surprise bills.7 guides
- TravelPaying, insuring and moving across borders.10 guides
- SecurityDisputes, scams and keeping your accounts safe.6 guides
Guides labeled “credit report”
- Credit & your rightsWhich credit score do lenders actually see? FICO, VantageScore and the 'educational' scores in your appYou have dozens of credit scores, not one. Learn the difference between FICO, VantageScore and free app scores, why they disagree, which one matters for a card application, and where to see your reports for free.3 min readIntermediate
- Credit & your rightsHow long late payments, collections and bankruptcies stay on your credit reportMost negative marks fall off after seven years, bankruptcies after up to ten, and good history can last longer. See the time limits, the exceptions that ignore them and why you should never pay to 'repair' accurate information.3 min readBeginner
- Credit & your rightsYour rights under the Fair Credit Reporting Act: eight rights and the clocks that matterThe Fair Credit Reporting Act decides who can see your credit file, what must be corrected and how quickly. Learn eight rights in plain English, the deadlines attached to each, and the first action to take so a right becomes a result.3 min readIntermediate
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