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Jim Holborow

Jim Holborow is a researcher, writer, and editor specializing in credit building and personal finance. As a contributor to the Credit One Bank knowledge base, Jim creates informative, engaging content good for boosting your credit IQ or just getting guidance on the go. He holds a BS in Marketing from the University of Nevada-Reno, with continuing studies in marketing analytics.

Posts By This Author

A young woman smiles as she checks her mail at an indoor bank of postal boxes, perhaps receiving the credit card she’s been waiting for.

How Long Does It Take To Get a Credit Card?

Credit cards can take a few days or weeks to arrive in your mailbox. But you may be able to use it sooner than that.

Two individuals hold different credit cards — one black, the other gold — against each other, as if comparing them. This can represent the comparison of secured and unsecured credit cards.

Secured vs. Unsecured Credit Cards: What’s the Difference?

Unsecured credit cards can offer more benefits than secured credit cards, but they may not be the right choice for your unique financial situation.

A woman holds her credit card while looking at her smartphone with a concerned expression, as if she was just notified of an unknown credit card charge.

What Is This Charge on My Credit Card?

Unexpected charges on your credit card aren’t always something fraudulent, but it’s good to know how to identify them and, if needed, dispute them.

A man and a woman sit on a sofa, while a laptop and paperwork lie on a coffee table. The man happily embraces the woman, who is holding up some paperwork, as if celebrating that they paid off some credit card debt.

How To Pay Off Credit Card Debt

If you’re in the process of paying off credit card debt, these tips can help you get there, while supporting your long-term financial health.

A man sits at a table by the window looking at his laptop with pen in hand, perhaps getting ready to apply for a credit card.

How Do I Get a Credit Card? Applying and Getting Approved

Applying for a credit card is easy, but getting approved takes some strategy. Find out the requirements and considerations before submitting your next application.

Stacks of coins in various heights sit on top of three wooden blocks spelling out APR, which represents how a credit card APR may get higher based on various criteria.

What Is APR on a Credit Card?

APR is just of those endless financial acronyms and intitialisms. Find out what a credit card APR is, how it works, and why it matters.

A woman’s hand is shown tapping her credit card at a terminal, which display a red X and the message “payment declined.” Perhaps this purchase would have caused her to go over her credit limit.

What Happens if You Go Over Your Credit Card Limit

Realizing you’ve spent more than your credit limit is stressful, so it’s good to understand how it happens and how to avoid it.

A man types on his laptop, which displays a glowing green lock icon. The lock is a symbol of security and can represent actions like protecting your bank account.

How To Protect Bank Accounts From Hackers

We all want to keep our hard-earned money safe from cybercriminals. Learn how to protect your accounts and prevent long-term financial damage.

A woman holds up several $100 bills in her right hand and a credit card in her left, with a indecisive expression. Perhaps she is currently deciding whether cash or card is better.

Credit vs. Cash: Which One Actually Helps You Save More?

Deciding between using cash or a credit card can be tough. Discover their pros & cons and which is better for your situation.

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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