APR finder Blog - Page 21 of 23

Synchrony Bank is an online financial institution offering deposit accounts direct to consumers. However, its parent company, Synchrony Financial, provides many solutions to businesses in the form of financing for their customers. Instead of offering traditional business loans and credit cards, Synchrony allows certain retailers and small businesses to develop partnerships in order to provide financing through co-branded credit cards to customers. Here’s how the retail financing options work for businesses who want to offer credit to customers without taking on that burden on their own.
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Founded in 1932, Synchrony Financial, the parent company of Synchrony Bank, has been serving as a financial services institution in the retail world for several decades. While Synchrony Bank does offer a variety of bank products, including high-yield savings, money market accounts, and certificates of deposit, the company does not currently offer direct-to-consumer financing like personal loans, automobile loans, home mortgage lending or Synchrony credit cards. […]

The holiday season is a prime time to earn a few extra bucks. Whether you plan to generate additional income to help cover the cost of the holidays, or you simply have extra time to put to use, there are several holiday side hustles, including playing Santa, that can give your bank account a boost. […]

Purchasing a home is a big financial decision, based not only on location and price, but the potential for its value to increase over time. As a property appreciates in value, homeowners have several options for accessing equity – the difference between the mortgage balance and the sell price. […]

In this guide to wage garnishment, it breaks down what it means to have your wages garnished, why it happens, and the amount that can be withheld for your pay. While these issues are the most pressing for those who experience wage garnishment, there is another, often longer-term concern that arises. […]

Early in 2018, Under Armour announced its subsidiary, MyFitnessPal, was involved in a widespread data breach which impacted 150 million customer accounts. The news came on the back on the recent Equifax data breach that put millions of individuals at risk of having their information used without their knowledge, including sensitive information like social security numbers, home addresses, and dates of birth. While the MyFitnessPal data breach did not contain such significant information on users, e-mail addresses, some passwords, and usernames were all compromised. In an era where data breaches are taking place at an alarming rate, it is essential for consumers to be aware of strategies to protect their personal information.

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Home equity can be a beneficial financial tool for homeowners, either in the form of a home equity loan or line of credit. Not only does home equity offer an affordable way to finance major purchases and consolidate debt, but it also comes with a helpful tax break for those who qualify. […]

A significant part of running a business is collecting on customer accounts after products or services have been delivered. In most cases, individual customers are quick to pay what they owe, but every now and again, there is a bad apple or two who refuses to pay up. Getting frustrated with a late- or non-paying customer is often a waste of energy, but businesses do have an opportunity to motivate payment by reporting the delinquency to the credit bureaus. Here’s how to do that for individual customers.

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Bad credit can take hold of anyone’s financial life, whether due to financial missteps of the past or erroneous information reported by creditors. If you’ve had a late payment on a credit card, an account that found its way to a collection agency, or irresponsible use of credit accounts, your credit history shows a less-than-ideal picture of your financial character. Incorrect reporting of your accounts gives off the same negative vibe to entities that have access to your reports. Lenders, employers, and even insurance companies see these black marks on a credit report as a glaring red flag.
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The growing trend of shopping and banking online or through mobile phones plays a significant role in the increasing number of identity theft victims each year. Combined with the advancing technology used by cyber criminals to steal consumer information, it is no surprise that nearly 17.6 million Americans suffered from identity theft in 2014, the latest year for which data is available from the Bureau of Justice Statistics. Identity theft continues to be a threat to consumers and their financial lives as it can lead to serious issues with an individual credit report that are a challenge to correct. For that reason, it is important to know the rights and protections you have under federal law as it relates to stolen information.
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