Debit cards and prepaid cards, unlike credit cards, do not involve the user borrowing money or spending what they do not have. So, you use funds from your bank account that you have previously loaded onto the debit card. Debit cards can come with the benefit of direct deposit—a feature that enables depositing funds directly into a bank account without using a paper check.

How likely will you repay the borrowed money based on your credit score? If you have a good credit score, you’ll have a better chance of getting a loan than if you have a bad one. Borrowers with poor credit may find it tough to secure a mortgage because of the stringent requirements many lenders place on their mortgage loans.

Dental health is one of the most important factors to improve one’s overall well-being. However, dental procedures, such as bridges, crowns, and fillings, can be expensive. That’s why many people in the country sign up for dental insurance. The insurance can cut costs on expensive procedures and cover other preventive dental care.

Started in 1965, Medicare programs have been providing affordable medical care to seniors. Funded by the federal government, Medicare made healthcare accessible to senior citizens who found it difficult to pay for their medical expenses with their fixed post-retirement income. With a major proportion of baby boomers (people born between 1946 and 1964) turning 65, it is estimated that nearly 64 million people will enroll in Medicare by 2020.

Your search for the best credit cards for multiple purposes can end at Citibank’s credit card options. There is a variety of card for those looking for travel rewards, cash back, or an everyday card without an annual fee. Citibank is among the top issuers of credit cards in the nation with a wide range of cards that fulfill the needs of all types of consumers.

For many individuals, going to the college is a fulfilling experience. By the end of the graduation, most people do have their dream job at hand and most have student loan payments to make as well. Depending on the type of student loan you have opted for and your financial capability for monthly payments, you might want to consider loan refinancing.