Portable Bluetooth Speakers

keep up with everything meaning

Embark on a Quest with keep up with everything meaning

Step into a world where the focus is keenly set on keep up with everything meaning. Within the confines of this article, a tapestry of references to keep up with everything meaning awaits your exploration. If your pursuit involves unraveling the depths of keep up with everything meaning, you've arrived at the perfect destination.

Our narrative unfolds with a wealth of insights surrounding keep up with everything meaning. This is not just a standard article; it's a curated journey into the facets and intricacies of keep up with everything meaning. Whether you're thirsting for comprehensive knowledge or just a glimpse into the universe of keep up with everything meaning, this promises to be an enriching experience.

The spotlight is firmly on keep up with everything meaning, and as you navigate through the text on these digital pages, you'll discover an extensive array of information centered around keep up with everything meaning. This is more than mere information; it's an invitation to immerse yourself in the enthralling world of keep up with everything meaning.

So, if you're eager to satisfy your curiosity about keep up with everything meaning, your journey commences here. Let's embark together on a captivating odyssey through the myriad dimensions of keep up with everything meaning.

Showing posts sorted by relevance for query keep up with everything meaning. Sort by date Show all posts
Showing posts sorted by relevance for query keep up with everything meaning. Sort by date Show all posts

The Best Strollers Of 2022: Cost, Convenience And Best Features


The best strollers of 2022 cost convenience and snowball the best strollers of 2022 cost convenience and neighborhood the best strollers of 2022 cost convenience and voluntary the best strollers of 2022 cost convenience and comfort the best strollers of 2022 black the best strollers of 2022 movies the best strollers of 2022 nfl the best strollers on the market the best strollers for toddlers the best strollers for infants what are the best strollers what are the best starting words for wordle
The Best Strollers of 2022: Cost, Convenience and Best Features


The Best Strollers of 2022: Cost, Convenience and Best Features

A stroller can be one of the most expensive purchases you make as a new parent. We say "can" because the stroller market is so vast and varied that your choices range from sub-$100 umbrella strollers to premium models that ask $1,000 and up. With so many different options for wheeling around your bundle of joy, it's easy to become overwhelmed. 

In many ways, shopping for a stroller is like shopping for a car. Just as you'd do for that similarly daunting process, you must first identify your needs. Do you want a small stroller you can take anywhere and deploy and break down quickly, or do you want a large stroller that's more comfortable and can carry more stuff? How many seats do you need? Do you want to be able to swap in a car seat? And how much are you willing to spend? Once you have a better idea of what you want, you can narrow down your options. 

To help you in your search, we tested nine strollers across several different categories. Keep reading to find out which ones deserve your attention.

Read more: How To Choose the Right Baby Stroller for You

Screenshot by Nasha Addarich Martínez/CNET


It's a great idea to buy a convertible stroller for your first baby if you're considering having a second. It gives you the flexibility to add another seat and convert it into a double later on down the line. But while a convertible stroller will work well enough, a dedicated double stroller might better suit your needs. The Baby Jogger City Mini GT2 Double is an all-terrain side-by-side double stroller with several advantages over a convertible double stroller. For one, its maneuverability doesn't change with the number and size of the kids it's carrying. A convertible double stroller has its seats arranged in a tandem configuration. If you have an older toddler in the front seat, the added weight over the front wheels will affect your steering effort. A side-by-side doesn't have that problem if you don't exceed the stroller's weight limits.

Another benefit of the side-by-side layout is the ease of getting your child into the seat. Since there's nothing in front, lifting them into the seat is a breeze. My 3-year-old liked to climb into his seat himself, though this was a double-edged sword as he could just as easily climb out if he wasn't buckled in. Buckling him in was easy when I just used the waist belt, but the shoulder straps' interlocking harness system was tricky. The harness parts all go together a certain way, and getting them to stay that way while your child is squirming can be challenging. Another shortcoming is the small under-seat storage basket. It's a relatively small space for such a large stroller, though it will fit a backpack-style diaper bag, provided you can squeeze it past the crossbar right over the basket. There are also no cup holders, so if you want a place to dock your latte, you'll need to buy one separately from Baby Jogger.

Being an all-terrain stroller, the GT2 Double has larger wheels and a fantastic suspension that provide a smooth ride on pavement and more off-road capability for outdoor excursions. To set the brake, simply pull the lever on the right rail. 

One drawback of side-by-side double strollers is that they're wide. The GT2 Double will fit through standard-size doorways, though sometimes just barely. You need to be aware of the placement of the back wheels when pushing through a door to avoid snagging them. The stroller's extra width makes it less ideal for cruising narrow store aisles. It's best suited for wide-open spaces, so the GT2 Double has become my go-to theme park stroller. As I already mentioned, it's supremely maneuverable and very easy to get my kids in and out of. Thanks to the individually reclining seatbacks and flip-up footrests, it's also great for taking naps. If one child falls asleep, you can lean them back and pull down the sunshade, which provides generous coverage.  

Folding the GT2 Double is as easy as pulling the straps on the seats. The stroller collapses neatly in half, though you need to be ready for the top to swing down to avoid smacking your shins. Carrying the GT2 Double by those straps is easy enough, but at 36.5 pounds, it's far from being a lightweight stroller. Getting it in and out of your car requires some muscle, especially if you lift it over and into a conventional trunk. Additionally, its substantial width makes it bulky even when folded, so you'll need to clear a good amount of space to make room for it.  

Price: At around $700, the GT2 Double isn't cheap. But it makes life with two young kids a little bit easier, and for that, I say it's worth every penny.

Screenshot by Nasha Addarich Martínez/CNET

Unless you're a stroller enthusiast, you probably won't notice when another parent rolls up next to you with a fancy set of wheels. But everyone will notice the Wonderfold W4 Luxe. This imposing four-seat stroller wagon stands at 4.5 feet tall with the canopy fully extended and is just over 4 feet long. On walks, it will take up most of the sidewalk. Despite its size, the largest Wonderfold model is relatively easy to maneuver, though don't expect it to navigate tight corridors and aisles. You will feel the weight of the wagon (plus your kids) when pushing uphill or for long periods, but the large 12-inch wheels in the rear make that task less laborious.  

The Wonderfold W4 Luxe is kind of like a Pack 'n Play on wheels and, as such, it's spacious. The wagon comes with two bench seats, which accommodate two children each. The shoulder room will be tight with two toddlers on one bench, but it's manageable. We usually install the front-facing bench for our two kids, leaving space for blankets, toys and whatever else they need in the front of the wagon. I like that the walls are tall enough that my 3-year-old can't just jump out whenever he wants, and he likes the secret zipper door in the front that allows him to crawl in and out when opened. The canopy is simple and effective, providing plenty of shade no matter the sun's position. When not needed, the canopy rods slide out and stow neatly in the back of the wagon. Also in the back is a large external cargo basket that can hold your diaper bag and more.

The W4 Luxe's best feature is also its biggest downside: it's massive. The wagon weighs 58 pounds in total, and while folding it does shrink it down substantially, it's still bulky. This isn't a stroller you can fit easily in an average-sized trunk. You need to be able to fold some seats down or have a truck bed to toss it into -- and even then, lifting it in and out won't be easy. With all that said, the Wonderfold W4 Luxe isn't well suited for everyday stroller duties. 

Price: This wagon will set you back by $900. But if you have two or more kids and go on regular family adventures, the W4 Luxe is a fantastic option that you'll get years of use out of.

Screenshot by Nasha Addarich Martínez/CNET

After more than 60 years in the baby products game, Chicco has earned a reputation among parents for being a trusted brand. In the competitive stroller market, Chicco's offerings fall right in the middle of the price spectrum, and even though its strollers aren't super high-end, they offer a lot of bang for your buck. The Chicco Corso is a perfect example. 

The Corso is a full-size, single-seat travel system stroller, which means it was designed from the outset to be compatible with a car seat (in this case, the Chicco KeyFit range). Though the Corso's seat is suitable for newborn babies (it reclines fully and comes with an infant insert), it's easier to keep your little one in their car seat, remove it from its base, pop it into your stroller and go. Doing this avoids transferring your baby, which is a game-changer if they're sound asleep and want them to stay asleep.  

The Corso is a midrange stroller, so it feels plain compared to high-end offerings in the same class. Some of its materials are somewhat rough to the touch, and overall the seat lacks the plushness you might expect based on its upscale, modern design. I tested the Corso LE model, which does add a few more premium features, such as a faux leather wrap for the handlebar and bumper bar and a larger cargo basket with cup-holder pouches. It also upgrades the wheels from plastic to a treaded rubber design. These enhancements help raise the Corso's luxury quotient, but if you're expecting Uppababy or Nuna levels of quality, you'll be sorely disappointed.        

What the Corso lacks in luxury, it makes up for with practicality and value. The Corso is handy with a supple ride that's easy on your hands and your baby. The seat has three recline positions and will lay flat. Meanwhile, the canopy provides good coverage thanks to a zip-out extension. I love the one-handed folding mechanism, similar to the Chicco Bravo and it comes in handy when you've got a baby occupying your other hand. Once folded, the stroller stands on its own -- a highly underrated feature.

The Corso is often paired with a KeyFit infant car seat (the standard Corso gets the KeyFit 30 while the Corso LE gets the KeyFit 35). That makes sense since a travel system stroller works best when you have the car seat it's designed to work with. You can, however, buy the Corso separately.

Price: At around $500, the Chicco Corso is a versatile stroller that looks chic and performs well and is a comparable option from Uppababy or Nuna.    

Screenshot by Nasha Addarich Martínez/CNET

It's rare for a stroller to live up to its marketing hype, but the Veer Cruiser does just that with a rugged design that offers capability and utility in spades. The Veer is a versatile stroller wagon that seats two children. The wagon can be pulled or pushed, though pushing requires some getting used to as it steers from the back in this configuration. In keeping with its extreme outdoorsy image, the wagon is designed to be hosed down when it gets dirty. This is a great feature, especially if your kids spill food from the center snack tray. 

The Veer Cruiser's 12-inch rear wheels help it crawl over uneven terrain, while the front wheels with integrated suspension help smooth out the ride. The sides of the wagon are at a good height for a toddler to rest their arms on and they can easily climb in and out. Though the sides, seat backs and handle bar collapse flat, the Veer Cruiser is still bulky when folded due to its large wheels. It's also on the heavy side at 32.5 pounds.

The Veer Cruiser has many useful features out of the box, but some conveniences that come standard on other strollers are only available as optional accessories. For example, if you want shade for your children, you'll have to fork over an additional $60 each for the retractable canopies. If you want more cargo space, the rear cargo basket will set you back at around $80. The advantage of offering everything à la carte is you can customize your Veer Cruiser to your heart's content with unique colors and prints. The Veer Cruiser is undoubtedly a pricey option (especially after accessories), but you'll appreciate this wagon's versatility and robustness if you find yourself outdoors often. 

Price: At $699, the Veer cruiser is pricier than other strollers on this list. But if you enjoy having the option to fully customize your stroller to your ever-changing baby needs, it may be well worth the price.

Screenshot by Nasha Addarich Martínez/CNET

Full disclosure: I've owned an original Minu since 2018, so I've had a lot of time to consider what it does well and where it falls short. With that said, I can say the changes UppaBaby made to the Minu V2 go a long way towards addressing the issues I had with the original. The UppaBaby Minu is the brand's lightweight, compact stroller. Its significantly smaller dimensions make it well-suited for traveling on a plane, but the Minu also works as an everyday stroller.

The Minu V2 builds on the original with small but meaningful improvements. The latch that keeps the stroller together when folded is now hinged and spring-loaded, making it easier to release and unfold. The canopy has been redesigned with a zip-out extension, replacing the previous pull-down shade that got loose and floppy over time. There's also an adjustable leg rest, a welcome addition for naps in the stroller. 

These enhancements only make a great stroller even better. The Minu V2 still boasts exceptional maneuverability and a smooth, comfortable ride for a small stroller. Storage space is limited, but there's enough room in the cargo basket to stow a backpack-style diaper bag. Another reason you'll love it is it fits just about anywhere. There's no need to worry about clearance issues when you're rolling through a densely packed store -- and no matter what other junk you have in your trunk, odds are the Minu V2 will fit. Unfortunately, one feature that hasn't been updated is the two-pedal brake system. Normally, you step on the red pedal to set the brakes on both wheels and step on the green to release them, but in some cases, the pedals stick and fail to lock or unlock both wheels. This is an annoyance but won't affect functionality too much as you can still set the brake manually on each wheel.

Price: The Minu V2 is priced at around $450, which is high for a compact stroller. But its ease of use and overall build quality will ensure that you get plenty of mileage out of it. 

Screenshot by Nasha Addarich Martínez/CNET

If you like the idea of the Veer Cruiser but can't bring yourself to spend that kind of money on a wagon, the Evenflo Pivot Xplore is a compelling alternative that's substantially easier on your wallet. Like the Veer, the Pivot Xplore is an all-terrain stroller wagon with a reversible handlebar that allows you to pull it like a wagon or push it like a stroller. It seats two kids facing each other and comes with a detachable snack tray that snaps in the middle. It also comes with two canopies and an external cargo basket, features that are available only as optional accessories on the Veer.

The Pivot Xplore's large wheels with foam-filled rubber tires perform well on uneven terrain, though not as big as the Veer's. In addition to being competent off-road, the Pivot Xplore rides smoothly on pavement and requires little effort to push or steer when in stroller mode. The seats are spacious, offering plenty of room for your kids to grow thanks to a deep, expandable footwell and wide seat cushions. Drop the wagon's front rim to get in or out, and your kids can come and go as they please. The three-point waist belt is easy to use and holds them securely in place if you need them to stay put. 

Storage is another thing this stroller wagon does well. Each seat has an interior side pocket for storing snacks, sippy cups, toys or whatever your kids pick up on the trails. There are also two exterior pockets that are a good size for storing water bottles. The basket hangs off the back of the wagon and provides a decent amount of space for jackets or a small diaper bag. Do keep in mind that it can get in the way of your legs when pushing in stroller mode. 

It's tough to avoid bulkiness with a wagon, especially an all-terrain wagon with large wheels. The Pivot Xplore weighs 34.7 pounds, but it doesn't feel that heavy loading it into your car when folded. The folding process is straightforward, but it does require some muscle to get the two ends of the stroller to scissor in half and click together in the middle. 

Price: At just under $400, the Pivot Xplore offers a tremendous amount of value for the money. For nearly half the price of the Veer, you get almost as much utility.

Screenshot by Nasha Addarich Martínez/CNET

If you're a parent that's constantly on the go, you need a stroller that can keep up with your busy lifestyle. The Ergobaby Metro Plus is a compact stroller that offers a lot of convenience and takes up hardly any space at all when folded. 

Thanks to its compact dimensions, the Metro Plus can fit just about anywhere, whether you're making your way through a crowded store or rolling down the narrow aisle of an airplane. It also folds up small enough that it's approved for stowage in the overhead bins of most airlines, which is great because a stroller comes in handy when boarding or deplaning with a toddler. At just under 17 pounds, the Metro Plus is exceptionally light. Moving it from one car to another is effortless, especially since you don't have to rearrange your trunk to get it to fit. 

The Metro Plus is reasonably spacious for a compact stroller with a well-padded seat. The seatback reclines flat for nap time and has an adjustable leg rest. The canopy is mounted high on the stroller, limiting coverage, and there's no visor extension. Meanwhile, the cargo basket is decent for a small stroller and has a good clearance between the bottom crossbar and the basket. I also appreciate the adjustable handlebar, a feature I wish the Minu had. The Metro Plus rides well on smooth surfaces, but it can get bumpy going over chunky asphalt. The stroller is supposed to fold with only one hand, but I found the folding mechanics awkward and almost always had to use two hands to origami it into the correct position. It could just take some getting used to, however.

I wouldn't recommend the Metro Plus as your only stroller, but it works great as a lightweight second stroller that you can quickly grab and go. 

Price: At right around $300, it's a fair bit cheaper than the Minu. 

Other strollers we've tested

Screenshot by Nasha Addarich Martínez/CNET

Because the stroller market is so competitive, manufacturers need to keep innovating new features to make their products stand out. One such innovation is the self-folding mechanism, a design that allows a stroller to fold itself automatically without operator assistance. If you frequently have your hands full by the time you get to your car, this is huge, as you have one less thing to worry about when you're trying to get your baby back in the car. The Evenflo Gold Otto is a new addition to the niche self-folding stroller segment, and though it's not perfect, there's a lot to like about it. 

For starters, it's true to its name. Just press the button on the handlebar and the Evenflo Otto automatically collapses down. To unfold it again, hit the same button and pull the handlebar up to watch the stroller snap into position. When folded, it's not quite as compact as the other travel strollers I tested, but it's still easy to squeeze into your trunk or the back seat. It could use some improvement in the ride and handling department. The Otto uses small foam wheels and doesn't have much in the way of suspension. As a result, the ride can be bumpy at times. The wheels on my tester squeaked more than I liked. 

Price: The Otto only costs around $200. If you can live with the above issues, the Otto would make a great second stroller for running quick errands. 

Screenshot by Nasha Addarich Martínez/CNET

The Chicco Cortina Together is a dedicated double stroller with seats arranged in tandem or in-line configuration. It has some handy features, but like other strollers in this category, it also has some major downsides. But first, let's go over what it does well. The Cortina Together can accommodate two larger toddlers thanks to spacious seats with high backs. Additionally, the stroller can accept two Chicco infant car seats (KeyFit 30/35 or Fit2) without adaptors. There's also a nifty parent tray with two built-in cup holders and a small storage compartment beneath the handlebar. The storage basket is large, though not as large as it appears since about one-third of it serves as the footwell for the rear seat.   

Now on to the stroller's drawbacks. The Cortina Together is difficult to push and steer when loaded up with two kids. Its small plastic wheels don't roll well on anything but smooth surfaces, and the suspension doesn't do much to dampen the ride over rough pavement. When folded, the Cortina Together is long and unwieldy, and though it might fit in a large, mostly empty trunk, you'll need to clear a good amount of space for it in most cars. It's also fairly heavy at 36.6 pounds. 

Price: At around $320, the Cortina Together isn't too expensive, but there are better double stroller solutions out there. 

How we tested

I began researching the most popular strollers online, looking for models with stand-out individual reviews and high aggregate review scores. After acquiring a sampling of strollers from various categories and price ranges, I tested them over several months. On the many walks around the neighborhood, visits to the park, shopping trips and all-day excursions during that time, I evaluated each stroller based on the following criteria:

Convenience: How easy is it for the parent to use, break down and transport?
Comfort: How do my children like riding in it? Do they get sweaty from the seat material? Are the straps comfortable to wear?
Ride and handling: How smooth is the ride? How easy is it to push and steer?
Value: Do you get your money's worth for the price you pay?

Stroller FAQs

What are the different types of strollers?

It seems like the stroller market invents new niche categories every year, but here are the basic types of strollers available: 

Full-sized: This is the standard stroller size. Full-sized strollers typically feature more robust construction than compacts and have wider seats. Some full-sized strollers, like the Uppababy Vista, are convertible strollers, meaning they can accommodate a second seat if you want to convert it to a double. 

Double: A double stroller has two seats arranged in either an in-line or side-by-side configuration. 

Travel system: This type of stroller lets you swap the seat out for a compatible infant car seat or bassinet. Because it's modular, you can add pieces as you need them. Another handy travel system feature allows you to flip the seat around, so your baby's facing you. 

Compact: Made for parents who are always on the go, compact strollers offer many of the same benefits as their full-sized counterparts but in a smaller package. They're sometimes called travel or lightweight strollers. 

Umbrella: Even smaller and lighter than a compact, umbrella strollers are great for traveling as they're portable when folded. They also tend to be pretty basic, so don't expect to get many features. But because they're so simple, umbrella strollers are affordable choices. 

Jogging: Parents who can't live without their morning run might consider a jogging stroller. These purpose-built buggies have large wheels and beefed-up suspensions to handle rough terrain. They usually also include air-filled tires and a hand-operated brake to help you slow down. 

Stroller wagon: As the name implies, stroller wagons are one part wagon and one part stroller. They're great for when your kids are a little older as they offer more space. They also give you more cargo options than a typical stroller. 

Car seat carriers: Like a travel system stroller, a car seat carrier will snap into an infant car seat. But that's all they're designed to do. They're sometimes called stroller frames, which is apt because that's exactly what they are. Since there's no seat or anything in the way of creature comforts, these tend to be relatively inexpensive. 

Can you use a stroller for a newborn?

According to the American Academy of Pediatrics, a baby should be able to hold their head up between their first four and six months. Before that, they lack the muscle strength in their neck to keep their head upright. That means most stroller seats aren't suitable for newborn babies. One exception is if your stroller can recline completely flat. Some companies also make newborn inserts for their stroller seats, which give your baby a little more support in a seat that's frankly too big for them.

But even though you can put your baby in some stroller seats, it's probably best to keep them in a car seat or bassinet. Travel system strollers are great options, as they give you flexibility from birth to toddlerhood. If you don't have a true travel system stroller, you might still be able to get an adapter for it that will allow you to use your car seat.

Do you need more than one stroller?

No, you don't need more than one stroller. But having a second one significantly opens up your options for taking the baby out. That's because you can have two strollers that each specialize in doing one thing rather than having to choose one stroller that's a jack of all trades but master of none. For example, you could pick a full-sized stroller for long outings where you want storage space and ride comfort and pair it with a compact for running quick errands.

If you think you're a one-stroller family, make sure you get something versatile that can meet all your needs. Full-size travel system strollers work well in this role, and if it's going to be your only stroller, you can spend a little more money on one. You might consider upgrading to a premium brand like Uppababy or Nuna.


The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


Source

WWE SummerSlam 2019: Results, New Champion, Match Rankings And Full Recap


Wwe summerslam 2019 results new champion match rankings fantasy wwe summerslam 2019 results new champion match rankings of kings wwe summerslam 2019 results new jersey wwe summerslam 2019 results new smyrna wwe summerslam 2019 predictions and winners wwe summerslam tv wwe summerslam logo wwe summerslam 2022 matches
WWE SummerSlam 2019: Results, new champion, match rankings and full recap


WWE SummerSlam 2019: Results, new champion, match rankings and full recap

Don't count WWE out. While NXT is considered to be the better wrestling show and AEW is the hot new thing in Grapple Town, WWE's SummerSlam proved that the company can still put on an outstanding show. The show had no bad matches, though one was saved that dubious only by the hot crowd, it flowed well and had a outstanding main event. Oh, and by the way, Seth Rollins is your new Universal Champion.

Maybe the biggest surprise of the night was Trish Stratus, whose return match against Charlotte Flair was a highlight. Elsewhere, Randy Orton and Kofi Kingston fought to a double countout, and Becky Lynch retained her Women's Championship in a hot opening match against Natalya.

And The Fiend. Oh boy. Bray Wyatt's in-ring re-debut as The Fiend was something that words can't sufficiently convey. Watch the gifs below, or better yet sign up to the WWE Network and check it out for yourself. 

Us wrestling fans always give WWE a hard time -- and mostly they deserve it -- but credit where it's due. SummerSlam 2019 was fantastic. Read below for a full recap and match ratings, from the end of the show to the beginning.

Seth Rollins slays The Beast... again!

Boos for Rollins, cheers for Lesnar. Rollins' ribs are heavily taped, as per the beatings Lesnar gave him on the last two episodes of Raw.

Lesnar works Rollins over in the corner. Rollins superkicks Lesnar, briefly stunning him. Lesnar yanks Rollins for a German suplex, but Rollins flips out for a curbstomp. Two count. Lesnar rolls out. Rollins hits him with a flying knee, Lesnar rolls back in the ring. Lesnar attempts a second German, Rollins flips out and hits two superkicks. Rollins shoots for a second curbstomp, but Rollins catches him and hits an F5.

Lesnar is rocked and can't cover Rollins. Lesnar gets up, grabs Rollins by his rib tape and swings him around. Now it's time to go to suplex city. Three German suplexes. Rollins rolls out. Lesnar follows him for another suplex, this time on the floor. Lesnar goes for an F5 into the turnbuckle post, but Rollins counters and pushes Lesnar, head first, into the post. Then again. Rollins throws Lesnar into the ring. Springboard flying knee to Lesnar.

Rollins goes for another flying knee, Lesnar doges and throws Rollins with a release German suplex. Dueling chants for "suplex city!" and "burn it down!" Lesnar takes off his preposterously large gloves, slams Rollins into the corner and latches on a bear hug. Lesnar works him over and goes for a tackle into the turnbuckle, but Rollins dodges and Lesnar hits the post shoulder first. 

Rollins dropkicks Lesnar off the apron and hits two suicide dives. He goes for a third but Lesnar catches him and rams him into the ring post. Absolute beast. Lesnar undresses the Spanish announce table, then eats a superkick from Rollins. Rollins hits a frogsplash on Lesnar, crashing both through the announce table.

screen-shot-2019-08-12-at-12-26-27-pm

*Record scratch* Yep, that's me. 

WWE

Crowd is not heavily into Rollins, a far cry from his original reaction. He lands another frogsplash in the center of the ring and another curbstomp. Two count. He stomps the ground for a third. Crowd chants "burn it down" with him. Lesnar catches him for an F5, but Rollins lands on his feet. Superkick, curbstomp, 1, 2, 3. New champion.

Rating: 4.5 stars. Awesome, awesome, awesome. Great intensity, Rollins is incredible, Lesnar worked hard and the crowd was super invested. As good a 15-minute match as you'll ever see. 

The Fiend debuts

It's time to get freaky. Wyatt comes out with a remixed version of his old Live in Fear theme song. He's wearing the Fiend mask as a flashing spotlight follows him. He still has a lantern, but it's a severed head. If I was a child, I would be terrified. Finn Balor is about to get killed harder than Dolph Ziggler.

Wyatt slams and clubs Balor. He did a scary looking neck-twist move, the type you'd see in a movie where one character snaps the neck of another. Wyatt goes for Sister Abigail, but Balor fights back. Slingblade, shotgun dropkick. Another shotgun dropkick. He attempts a coup de grace but gets caught with a mandible claw. Wyatt wins. 

The announcers say Wyatt has Undertaker-levels of intimidation. I guess new Wyatt is going far. 

Rating: No rating. Essentially a squash match. The Fiend is amazing, though. Legitimately terrifying. The crowd chants "that was awesome" after The Fiend's cinematic exit. 

Kofi Kingston vs. Randy Orton ends in double countout

Kingston comes out with the New Day throwing pancakes. One of his pancakes hits a woman who's on her phone. Good start. Split crowd for this match. As the two begin there are dueling "Kofi's stupid!" and "Randy sucks!" chants. Crowd is into it, but they're starting slow -- probably to ease the crowd into the match after the Stratus/Charlotte match.

Kingston goes for a springboard attack but Orton pushes him to the outside. Orton takes the champ over to the announcer's tables and slams him about. They move back in the ring. A European uppercut from Orton sends them back outside. Orton tries to Irish whip Kingston into the steps, but Kingston jumps over them, runs back, jumps off them and strikes down Randall Keith Orton. Kingston attempts a cross body from the ring apron but Orton ducks. Orton slams Kingston on one of the announcer's tables.

Back in the ring, the dueling chants begin again. Orton goes for a superplex but Kingston fights him off and lands a tornado DDT from the top rope. Two count. The two stagger up and Kingston starts with strikes on Orton. Tom Phillips says we're in the fourth quarter, and Cory Graves says we're in overtime. That worries me, because it feels to me like we're just getting to third gear.

Kingston starts clapping for a trouble in paradise kick. Orton counters with a backbreaker. Orton starts clapping to taunt Kingston, and goes for a draping DDT. Kingston counters, though, and drops Orton to the outside. Huge trust fall on Orton. Back inside the ring, Kingston hits a frogsplash crossbody. Two count. 

Kingston attempts offense in the corner, but Orton trumps him with a draping DDT. He sets up an RKO, but Kofi turns it into a backslide pin attempt. Kingston goes for a trouble in paradise, but Orton dodges. Kingston jumps from the turnbuckle and gets caught with an RKO. Before Orton can pin him, though, Kingston rolls outside. Kingston's kids are in the crowd. Orton begins to taunt them and Kingston, enraged, attacks Orton. Double countout finish. Crowd chants "bullshit."

After the match, Kingston dominates Orton with a Kendo stick and hits him with a trouble in paradise kick. 

Rating: 3.25 stars. Nice match. Ended as it was on the cusp of getting great. Crowd hated the finish, though. 

Charlotte Flair defeats Trish Stratus

The announcers are hyping this as a clash of two eras. This match is Rocky 6, essentially. Crowd is into Stratus, who's from Canada. They start the match by chanting the Canadian national anthem. 

Stratus starts off with some acrobats, including a springboard hurricanrana, leading to a "you still got it!" chant. Charlotte gutwrenches Stratus but Stratus counters with an armdrag outside the ring. Stratus hits a wrecking ball dropkick to the outside. A woman in the crowd loudly proclaims to be "very Stratusfied." Flair pulls Stratus into the steel steps, then absolutely smashes her into the barricade. 

Charlotte slaps a shoulder hold onto Stratus inside the ring. Charlotte hits a suplex. She goes for a backdrop, but Stratus counters with a crossbody. Nice. Charlotte isn't happy about it, and throws Stratus head-first into the ground. Everything Stratus does, she's doing well. But there's a lot of nothing going on, with Charlotte taunting a lot in between moves.

Stratus interrupts a taunt with a takedown and hits punches on the turnbuckle. Stratus flips over to the apron, where she eats a big boot from Charlotte. Stratus narrowly avoids being counted out. Charlotte attempts a moonsault but Stratus rolls out. Stratus torpedoes through the ropes for a reverse DDT. She starts chopping Charlotte, Flair style. 

They end up on the turnbuckle, where Stratus goes for a hurricanrana. Charlotte looks to counter with a powerbomb, but Stratus shifts her weight at the last minute for the hurricanrana. It doesn't keep Flair down though, and Stratus gets clocked with another big boot. Now Charlotte begins working over Stratus' leg. Flair attempts a figure four, but is countered by Stratus. Stratus then locks Flair in a figure four, and then a figure eight, of her own. Charlotte gets the ropes, though.

screen-shot-2019-08-12-at-11-12-20-am

Figure eight.

WWE

Charlotte kicks Stratus by the knee, and the crowd chants "this is awesome!" Charlotte misses a spear, and Stratus hits a Stratusfaction (springboard bulldog) for a two-count false finish. Another "this is awesome" chant. The two exchange chops. Stratus goes for a jackknife rollup, Charlotte rolls out at two and Stratus nails her with a Chick Kick for a two count. Stratus goes for another, but Charlotte counters with a big boot.

Charlotte locks Stratus in a figure eight, and Stratus taps. After the match, Stratus gets a "thank you Trish" chant and a well-earned hero's sendoff. 

Rating: 3.75 stars. A bit slow at the start, but absolutely over delivered. Stratus did great, and Charlotte Flair is terrific. 

Kevin Owens beats Shane McMahon

If Shane wins, Owens has to retire. Owens, from Quebec, is mega hot with the crowd. Shane says the match will have a special guest enforcer, to make sure the match is all fair, Elias. (Elias is essentially now Shane's henchman.) 

The match begins with Elias distracting Owens on the outside, leading to Owens almost getting counted out. Not the smartest guy, apparently. Owens gets back in the ring and throws hands with Shane, then hits a cannonball in the corner.  Shane rolls out of the ring, and Owens goes for a suicide dive but is blocked by Elias. The distraction then allows Shane to throw Owens from the ring apron to the outside barricade. Owens almost gets counted out.

screen-shot-2019-08-12-at-10-36-45-am

Crowd loves Owens, hates Shane.

WWE

Shane strikes Owens in the corner as the crowd chants "Shane, you suck!" Apparently he's a really nice guy in real life, Toronto. Shane slams Owens with a Russian leg sweep. Toronto chants "you can't wrestle" at Shane. Well, you ain't wrong, Toronto.

Owens attempts a pop-up powerbumb, but Shane dodges and lands a DDT. Shane goes to put Owens into a sharpshooter, but Owens powers out and manages to hit a pop-up powerbomb. He pins Shane, but Elias distracts the ref -- and then Owens gets distracted too. Shane rolls Owens up for a two count, then eats a clothesline from Owens.

Elias slides a chair to Owens, encouraging him to smash Shane and get DQ'd. Shane slaps Owens in the face. Owens goes for a swing, but thinks better of it at the last minute. He superkicks Shane, hits a senton from the top rope and then a frogsplash from another turnbuckle. He pins Shane, but Elias pulls the ref out before the three count. Owens cannonballs Elias on the outside, but takes out the ref in the process.

With the ref out, Owens picks up the chair. Before he can take out Shane, though, Elias drags Owens out of the ring. Owens kills Elias with chair shots. Back in the ring, Owens goes to swing on Shane with the chair but the ref slides in to stop him. As the ref takes the chair off Owens, Owens kicks Shane square in the crotch and then hits a stunner for a highly symbolic win.

Rating: 2.75 stars. A lot of tomfoolery here, and the actually wrestling was only OK. But the crowd loved Owens and was into the match, which made it fun. The inverse of Bayley's match, in other words. The worst part was how easily Owens was distracted by Elias throughout. He looked like an idiot.

Bayley pins Ember Moon

It's going to be tough for these women to follow the three previous matches, all of whom had big stars. Better now than in three hours, though.

Moon hasn't made much of an impact on the main roster, but she's super good. She starts off the match with strikes and acrobatic offense. She puts Bayley in a bow-and-arrow style submission. Some of the crowd claps for Bayley, but there's significantly less heat here than in previous bouts. 

Bayley hits a clothesline to turn the tide. She lands a suplex and starts working Moon over in the corner. The crowd is bored, and starts singing the "Hey Bayley" song. Bayley hangs Moon upside down over a turnbuckle and nails a springboard elbow drop. She then puts Moon in an inverted boston crab. 

The two fight by the ropes. Moon does a top-rope hurricanrana and then a gutwrench codebreaker move for a two count. Crowd is absolutely dead. Moon counters a Bayley kick with a nice powerbomb. Moon goes to the top rope, but is met by Bayley who hits a top-rope Bayley to belly for the win.

Rating: 2.75 stars. The women worked hard, and wrestled a good match. They were killed by the indifferent crowd, though. 

AJ Styles defeats Ricochet

AJ Styles and Ricochet are arguably the two best wrestlers in the whole company. They've had several matches thus far, including one at least month's Extreme Rules event, but none have been as great as you'd expect. Hopefully this is the one. 

The two start off quick. Within the first minute Ricochet literally bounces off Luke Gallows and Karl Anderson to hurricanrana Styles. Back in the ring, Styles cuts off Ricochet and starts working over his leg. 

Ricochet makes a comeback after an enziguri. He then hits a springboard lariat on one foot, selling his injured leg. Styles gets control back, though, with a kick to Ricochet's leg. Styles beats him down, and every time Ricochet tries to mount a comeback his knee fails him. Styles locks him in a calf crusher, which Ricochet counters into an anaconda vice. Punk'd. Styles powers out, though.

Ricochet hits an impressive northern lights suplex into a falcon arrow. He then takes out Anderson and Gallows on the outside then ascends the turnbuckle. Ricochet goes for a phoenix splash which Styles counters with a beautiful Styles clash. 

Rating: 3.75 stars. The start was great, as was the finishing spot. All the work has crisp, but the middle was a bit plodding. The finish itself was also abrupt, even if the Styles clash was sweet.  

Goldberg kills Dolph Ziggler

It's smashing time. Dolph Ziggler is out first. He grabs a mic and tells the crowd he's the best thing on the show and in WWE. He's the best thing to happen to pro wrestling, DZ says. I am ready to see this man get killed by Goldberg.

Crowd is super hot for Goldberg. Everyone knows Dolph Ziggler is great at being speared, and Goldberg is great at spearing. 

The two square up. Ziggler backs off, then hits Goldberg with a surprise superkick. One count. Goldberg gets up and eats a second superkick. Ziggler goes for a third one and Goldberg hits a huge spear. Jackhammer nailed, 1, 2, 3. 

Goldberg walks up the ramp but before he can walk backstage Ziggler calls him back to the ring. Goldberg obliterates him with another spear. Happy days. Goldberg walks through the back, but Ziggler gets the microphone again and says Goldberg is a laughing stock. Goldberg comes back out and hits a super spear. 

Rating: No rating. Their match, while not a real match, was everything it should have been. Goldberg looked great. Ziggler calling him back once was fine. The second callback was overkill. 

Becky Lynch retains Raw Women's Championship

SummerSlam is going to be a long show, which means the performers who go out earlier in the show have a much fresher, more energetic crowd to work with. Becky Lynch and Natalya are the lucky two to start the show: It's Becky Lynch, arguably the most popular wrestler on the roster, against home-country hero Natalya.

Natalya enters draped in a Canadian flag, just for that sweet cheap pop. Crowd is split, but into both women. 

Lynch starts out strong, and goes for an armbar that one of the announcer's errantly call a Disarmer. Then then transfers into a triangle choke. I believe Lynch dabbles in Jiu Jitsu, and it shows. Natalya heads for the ropes, but there are apparently no rules in this submission match, meaning catching the ropes doesn't lead to a rope break. They tumble outside, though, and Natalya takes control.

screen-shot-2019-08-12-at-9-18-49-am

Sharpshooter. 

WWE

Natalya works down Lynch in the ring, which leads to a big chant for Lynch. First big spot of the match sees Natalya lock a sharpshooter on the turnbuckle, through the ropes. Eventually Natalya breaks, and the two end up outside again. They brawl, with Lynch slamming Natalya shoulder-first into steel steps, the idea being this sets up her Disarmer. But Natalya fights back and hits a superplex.

Back in the ring Natalya goes for a low dropkick, but Lynch counters into a sharpshooter. The crowd roars. Natalya counters, rolling through and pushing Lynch to the turnbuckle. Crowd chants "this is awesome." A bit early, but so far so good. Lynch goes for a high kick, but Natalya counters and puts Lynch in the Disarmer. Crowd roars again. 

Lynch rolls out, but Natalya catches her in a sharpshooter. The crowd erupts for it. There were big Becky chants earlier, but it now seems like Toronto wants to see a new champ. Lynch manages to escape, and sweeps Natalya into a Disarmer. Natalya taps out.

Rating: 3.75 stars. This match was all action, and it was all great. But it was a touch short, as an extra few minutes could have made it truly great. 

Preshow results

SummerSlam's two-hour preshow had three matches, two of which were for titles. Here are the quick results.

Alexa Bliss and Nikki Cross retain Women's Tag Team Championships: They defeated former champs The IIconics. 

Buddy Murphy vs. Apollo Crews ended in disqualification when Erick Rowan attacked Murphy: It follows a key WWE storyline right now, as on SmackDown Murphy revealed Rowan to be behind a string of mysterious attacks on Roman Reigns. 

Drew Gulak beat Oney Lorcan to retain Cruiserweight Championship: Gulak pinned Lorcan. 


Source

No Credit History? No Problem: How To Pick And Use Your First Credit Card


No credit history no problem how to pick and roll no credit history no problem how to pick and dry lavender no credit history no problem how to pick and use elderberries no credit history no problem how to pick and cook no credit history no problem how to pickle no credit history no problem how to pick a pine no credit history no problem how to control best credit cards for no credit history no deposit credit cards no credit history no deposit credit cards for no credit history how to get a loan with no credit history student credit card no credit history 1st time credit cards with no credit history loans with no credit check

No Credit History? No Problem: How to Pick and Use Your First Credit Card


No Credit History? No Problem: How to Pick and Use Your First Credit Card

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

  • Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
  • Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
  • Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR15.24% - 24.24% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR15.24% - 24.24% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR25.24% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR27.24% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Source

How To Pick Your First Credit Card To Start Building Credit


How to Pick Your First Credit Card to Start Building Credit


How to Pick Your First Credit Card to Start Building Credit

Applying for your first credit card can involve a considerable learning curve. With hundreds of card options, lots of jargon and navigating the complexity of the US credit system, there's a lot to learn at once. And once you understand it, it can seem counterintuitive. For example, how are you supposed to build credit to get a credit card if nobody will issue you a card without credit history? It can be dizzying, to say the least.

Still, there are many reasons to want a credit card, chief among them is the ability to build credit history and improve your credit score. Your credit score, a three digit-number that represents your creditworthiness, can affect everything from whether you are approved for an apartment, your interest rates for auto loans and a mortgage and how many financial options you will have in the future.

Below, we review everything you need to know before applying for a credit card: the basics of how credit cards work, how to pick the right card for you, how to apply and how to use your card to build credit.

Read more: Best Debit Cards for College Students

The basics: How credit cards work

First, credit cards are not free money, sadly. What they are is a financial tool that, when used responsibly, lets you space out payments for purchases, build credit history and, in some cases, earn rewards like cash-back or airline miles. But credit cards can be extremely easy to misuse if you accidentally charge more than you can afford to pay back by the end of your billing statement. And if you miss payments, you risk crashing your credit and racking up interest charges.

The best way to avoid these pitfalls is to understand how credit cards work. Credit card issuers, typically a bank or credit union, will lend you a certain amount of money called credit, which you agree to repay. Payment processing networks, like Mastercard or Visa, act as the middleman and help facilitate payments and benefits.

Every card has a credit limit, which is the highest amount of money you can borrow in total. Your credit limit is usually determined by your credit score, income and the credit card issuer. So if you're applying for your first card and don't have a long credit history, you will probably be given a lower credit limit. Once you show responsible card use (paying balances on time and/or in full), you can request a credit limit increase.

At the end of the billing cycle -- which usually lasts about a month -- the credit card company will send you a bill that lists all your purchases made with the card. You can pay either the minimum payment that's due or pay off the bill in full. While paying the minimum payment will keep your account in good standing, the remaining unpaid balance will carry over to the next month, and you'll likely start accruing interest charges on any unpaid balance. Every card has its own annual percentage rate (APR), which is the total amount of interest and fees it charges on unpaid balances.

If you miss the payment due date, you may incur late fees, adding even more dollars to your debt. It's in your best interest to avoid this scenario by only charging what you can afford and paying your bill in full each month. Fees and interest charges can add up quickly and prevent you from paying off your debt as quickly.

How to pick the right credit card

With hundreds of credit cards available, picking the right credit card for you will depend on your current financial status, your future financial goals and your lifestyle. Many credit cards come with rewards like welcome bonuses, cash-back offers, discounts on certain purchases and travel points or airline miles. Cards with rewards typically come along with annual fees -- a yearly expense you pay to own the card -- though some do not.

The right card for you depends on your financial situation and goals. If you're just starting out, building credit with a student or secured credit card -- one that requires a security deposit that acts as your credit limit -- can help you build credit. If you're looking to earn rewards, look for a card with the most relevant perks for your spending habits and an annual fee you can recoup from your rewards. 

Some credit card companies will solicit you directly or allow you to see if you are preapproved for a card. Since card companies run a hard check on your credit when you apply for a card, a move that can temporarily cause your credit score to dip, preapproval lets you see if you're likely to be approved before you apply. Preapproval doesn't guarantee you'll be approved -- it just means the credit card company thinks you're a good applicant for a particular card.

For those currently in school, there are specific credit cards made for students. These cards usually have a smaller credit limit, and may have a scaled-down combination of benefits and fees compared to traditional credit cards. Student cards usually have relaxed credit requirements, since many students don't have a significant credit history, thus making it easier to get approved.

A secured card is another option for those with no or low credit, looking to boost their credit score. Secured credit cards require a security deposit that acts as your credit limit. It is also a form of collateral, ensuring that the card balance will be paid even if you miss payments.

How to apply for your first credit card

Once you determine which card is best for you, you can begin the application process. While every credit card company has its own application, you will probably be asked to provide similar personal and financial information, like your name, age, employer, annual income and housing payment. With this information, the credit card issuer will run a credit check on you to decide if you fit the criteria for card approval.

After you apply, you will either be approved and granted a card or denied. CNET outlines steps to take to figure out why you're denied for a credit card in the worst case scenario.

How to build credit with your card

Your credit score reflects how good or bad you are at managing debt. It shows lenders your creditworthiness, or how much risk is involved when lending you money. Your credit score is determined by a few factors, including your payment history, amount of debt owed, the length of credit history, how much new credit you've taken on, and your credit utilization ratio, which we'll explain below.

Here are some common blunders to avoid to keep your credit score healthy: 

  • Not paying your minimum payment on time. In addition to being penalized with late fees and interest charges, late payments reported to credit bureaus indicate to future lenders that you are an unreliable borrower. Over time, consistently paying on time will build a strong credit history that will boost your score, making you eligible for better credit cards and interest rates.
  • Using too much of your credit limit. Using more than 30% of your total credit line can affect your credit score negatively. This percentage is called your credit utilization ratio. So if your credit limit is $1,000, you would want to keep all your credit card purchases under $300 as a best practice. Using more of your credit lines indicates to lenders that you are a risky borrower.
  • Closing credit card accounts. While it may seem reasonable to close an account for a card you don't use, it can actually lower your total available credit, lowering your credit utilization ratio and shorten your length of credit history. Depending on your situation, it may be better to keep the card open and use it occasionally. But, there are ways to cancel a credit card without destroying your credit.

Best picks for your first credit card

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR14.49% - 23.49% Variable

Intro Purchase APR0% for 6 months

Recommended Credit Fair/New to Credit

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR14.49% - 23.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Earn 1% unlimited cash back on all other purchases – automatically.

Our Take

The Discover it® Student Cash Back* card offers the best rewards spread of student credit cards. You'll earn the 1% flat rate on all purchases, but you can also earn 5% cash back with the bonus quarterly rotating category, on up to $1,500 in combined spending per quarter (then 1%). From now through September, the bonus category includes restaurants and PayPal purchases. For October through December, it includes Amazon.com purchases and purchases made through digital wallet apps. You do have to manually activate these bonus categories through your account to earn this higher rate, though.

We also like that this card offers an Unlimited Cashback Match welcome bonus -- Discover will match your cash back earned for your whole first year, essentially doubling your cash back at the end of your first year.

For more details, see our full review of the Discover it Student Cash Back.

Intro Offer N/A

APR15.24% - 29.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Annual Fee$0

Foreign Transaction Fees $0

  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is designed for applicants of various credit types -- whether it's fair, excellent or you're just getting started. It offers a credit line between $300 and $10,000 and 1% back on all eligible purchases. 

To incentivize good credit-building behavior, your cash-back rate can increase to up to 1.5% on eligible purchases after 12 on-time monthly payments. There are no annual fees, security deposits, late fees or foreign transaction fees, making this a flexible option for anyone's first credit card.

Intro Offer N/A

APR26.99% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward RatesN/A

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR26.99% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

Our Take

The Capital One Platinum Credit Card doesn't offer many perks, but it could be a good backup option for your first credit card if you don't want to put down a security deposit and aren't a student. This card is designed for people with fair, average or limited credit -- typically a credit score between 580 and 669. Though you won't earn rewards or a welcome bonus, you can build up your credit score with responsible use and there are no foreign transaction fees -- meaning you can use it abroad without facing additional costs.

For more details, check out our full review of the Capital One Platinum Credit Card.

Intro Offer Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

APR24.49% Variable

Intro Purchase APRN/A

Recommended Credit New/Rebuilding Credit

Reward Rates
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR10.99% for 6 months

Balance Transfer APR24.49% Variable

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the first time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • Earn unlimited 1% cash back on all other purchases – automatically.

Our Take

All secured credit cards require a security deposit -- but not all of them enable you to earn rewards on your purchases. With a credit limit range of $200 to $2,500, you can earn 2% cash back at gas stations and restaurants with the Discover it® Secured Credit Card*, on up to a combined $1,000 in spending per calendar quarter (then 1%). You'll earn 1% cash back on other purchases, and you'll still get the Unlimited Cashback Match as with the other Discover credit cards. This card will also let you see if you're preapproved before you apply if you so choose.

For more information, see our full review of the Discover it Secured Credit Card.

Intro Offer Limited Time Offer: Earn $100 when you spend $100 in the first three months

APR16.49% - 26.49% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Annual Fee$0

Intro Balance Transfer APRN/A

Balance Transfer APR16.49% - 26.49% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Earn 1% on all other purchases.

Our Take

If you eat a lot of takeout or go to restaurants often, the Capital One SavorOne Student Cash Rewards Credit Card can maximize cash back on your meals and entertainment. You may be able to get preapproved for this credit card to test the waters, though as a student credit card, it has more relaxed credit requirements than its traditional counterparts.

You'll earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Target and Walmart). Entertainment covers movie theaters, sports promoters (professional and semiprofessional live events), amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Streaming services include Netflix, Hulu and Disney+. For other purchases, you'll earn a standard 1% cash back.

*All information about the Discover it Student Cash Back and the Discover it Secured Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.


Source

Tags:

Search This Blog

Menu Halaman Statis

close