[Live] Southwest Credit Cards: Earn 50x Points Per $1 Spent On Southwest Purchases (6/11, $100 Spend)

The Offer

Direct link to offer

  • Southwest is offering cardholders 50x points per $1 spent up to $100 in spend made directly with Southwest Airlines®, including flight, inflight, Southwest® gift card, Rapid Rewards Points Center, and on Southwest Vacations® packages (“Qualifying Purchases”).

The Fine Print

  • During the one-day promotional period of 6/11/2021 from 12:00:00 AM ET – 11:59 PM E.T., you will qualify and earn a total of 50 points for each $1 spent with any Rapid Rewards Credit Card, on up to $100.00 in total purchases, made directly with Southwest Airlines®, including flight, inflight, Southwest® gift card, Rapid Rewards Points Center, and on Southwest Vacations® packages (“Qualifying Purchases”).
  • That’s 48 bonus points on top of the 2 points already earned on Qualifying Purchases made with the Rapid Rewards Priority, Premier, Plus or Employee Credit Cards or 47 bonus points on top of the 3 points already earned on Qualifying Purchases made with a Rapid Rewards Performance Business Credit Card or 49 bonus points made with any remaining Rapid Rewards Credit Cards.
  • Qualifying Purchases made on a qualifying Rapid Rewards Credit Card during the Promotion Period are eligible for this offer.
  • Delays by the merchant, such as shipping, could extend the transaction date beyond the offer period.
  • You’ll earn points on Qualifying Purchases made with your Rapid Rewards® Credit Card by you or an authorized user of the account.
  • The bonus points will count towards Companion Pass but will not count towards A-List or A-List Preferred qualification.
  • Please allow up to 8 weeks after the end of the Promotion Period for bonus points to post to your Rapid Rewards account.
  • To qualify for this bonus offer, account must be open and not in default at the time of fulfillment.
  • This bonus offer is non-transferable and applies only to the account of the primary Cardmember referenced in this offer.
  • All Southwest Rapid Rewards Credit Cards are eligible.

Our Verdict

50x points back on gift cards seems like a good deal (or flights), shame it’s only up to $100 in spend.

Hat tip to rohanr0302

Source: doctorofcredit.com

5 Ways to Perfect Your Credit Score

If you’re trying to perfect your credit score, it’s important to first understand what makes up your credit report and credit score. Your credit score is determined by an advanced algorithm which was developed by FICO and pulls the data from your credit report to determine your score. When calculating your credit score, the following information is going to affect your credit score in the corresponding percentages:

  • 35 percent: History of on-time or late payments of credit.
  • 30 percent: Available credit on your open credit cards
  • 15 percent: The age of your lines of credit (old = good)
  • 10 percent: How often you apply for new credit.
  • 10 percent: Variable factors, such as the types of open credit lines you have

Many of this may be common sense or information that you’ve already learned over time, resulting in a good credit score but possibly not a perfect score. If you have a bad credit score, it could take a lot of time and work to perfect your score and you may first want to consider repairing your credit. If your credit score is already above 700 but you’re trying to shoot for that perfect score of 850 to ensure the best deals and interest rates, here are 5 ways to perfect your credit score:

1. Maintaining Debt-To-Limit Ratio

To perfect your credit score, it’s recommended that you keep your debt-to-credit ratio below 30% and, if possible, as low as 10%. The debt-to-limit ratio is the difference between how much you owe on a credit card versus how much your credit limit is. For example, if one of your credit cards has a credit limit of $5,000, then you should always keep the balance below $1,500 but preferably around $500. As you can see above, 30% of your credit score is determined by the available credit on your open credit cards, so keeping the debt-to-limit ratio will increase your available credit and also show that you’re responsible with your credit.

2. Keep Your Credit Cards Active

Make sure that you use your cards at least once a year to keep them shown as “active” credit and make sure that you never cancel your credit cards. 15% of your credit score is determined by the age of your lines of credit, so you should always keep your credit cards active to lengthen the age of your line of credit. Many people tend to cancel cards that they no longer use – many times because the rates aren’t very good or because they have another card with better benefits – but even if you don’t use the cards very often (just once a year is fine), you should keep them active. Typically, someone with a credit score over 800 has credit lines with at least 10 years of positive activity.

3. Always Pay Bills On Time

Probably the most well-known factor of a credit score and the factor that has the biggest impact on your credit score (35% of your score) is your history of paying your credit payments on-time. If you have a history of always making your credit card, mortgage, and car payments on time, you will greatly improve your credit score. This can also have an adverse effect as well, should you ever make a late payment. Unfortunately, it only takes one late payment to severely reduce your credit score so it’s crucial that you make sure to always make credit payments on time.

4. Dispute Errors On Your Credit Report

If you don’t already, make sure that you request a copy of your credit report once every year and review it for errors. It is actually quite common for credit reports to contain errors which can be disputed and potentially allow you to have negative items removed from your credit report. If, for instance, your credit report shows a late payment on a credit card but contained errors in the record, you can dispute the negative item and request to have it removed from your report. Having a negative item, like a late payment, removed from your report can improve your credit score significantly. While disputing errors on your credit report can be tedious and take a lot of time, it is usually worth it. Another option would be to contact a credit repair agency to help you dispute any negative items on your credit report.

5. Reduce The Number of Credit Inquiries

While this may only affect 10% of your credit score, keeping the number of credit inquiries down can still help to build that perfect credit score but is often ignored. You should never have more than one credit inquiry per year but many people do not realize how often this is done and often times have their credit checked more than once per year. If you’re applying for a car loan, checking your credit score online, or applying for a new credit card, these type of actions will almost always result in a credit inquiry and should be avoided if you’ve already had a credit inquiry earlier in the year. Make sure you do your research on what will result in a credit inquiry so that you don’t accidentally have more than one a year without realizing it.

Source: creditabsolute.com

I spent my last two wedding anniversaries in my home state of Florida — here’s why I’m hopeful that will change next year – The Points Guy


Planning a future anniversary trip out of the country — The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Health Care Stocks – What They Are & Why You Should Invest in Them

Everyone has experience with the health care industry. When you get sick, you buy medicine. If a sickness or injury is bad enough, you go to the doctor; if it is dire, you may call an ambulance to bring you to the hospital. All of these products and services live within the health care industry.

Because everyone has a need for quality health care products and services, the market is an absolutely massive one. According to Policy Advice, the global health care market could grow to be worth more than $10 trillion annually by the year 2022.

Any time a market is so massive, there’s plenty of room for big companies to make big profits and funnel those profits to investors. So, it’s not surprising to see that so many people want to invest in health care stocks.

But as great as investing in this industry can be, it can also be dangerous. Making the wrong investments in the space, known for wide swings in valuations, will lead to significant losses. So, it’s important that you understand the market and what makes it tick before risking your money in the space.

What Are Health Care Stocks?

Health care stocks represent a diverse group of health care companies. The health care category is an extremely broad one, encompassing a wide range of companies from multiple sectors.

Biotech

All stocks within the biotechnology and pharmaceutical sector are included in the health care category. These companies create, manufacture, and market the medicines we take when we’re sick.

Service

There are also plenty of stocks within the service sector that can also be categorized as part of the health care space. For example, health insurance companies, health care providers, and other companies that provide a medical service are included in the health care industry.

Technology

There are also several technology stocks that fall into the health care category. For example, the companies that create the technologies that make remote doctor’s appointments possible, like Teladoc, operate in the health care space just as much as they operate in the tech space.

Moreover, application and software companies that create health-related mobile phone apps, companies that store medical data in a HIPPA-compliant way, and companies that produce technologies like thermal imaging for use in medical applications are all in the health care category.

Even big tech is getting into health care, with companies like Apple, Amazon.com, and Alphabet all making sizable investments in the space.

Essentially, if the company sells a product or service that has anything to do with keeping people healthy, it’s a health care company. So, the health monitoring features on the Apple Watch make the company a health care company as much as Gilead Sciences’ treatment for hepatitis C makes it one.


Health Care Stocks Pros and Cons

There are plenty of benefits involved in investing in the sector, but there are pros to cons to everything — and health care stocks are no different.

Pros of Health Care Stocks

Investments in health care stocks come with several benefits. Some of the most important to consider when deciding whether to invest in the sector, include:

1. There’s a Wide Range of Opportunities

The health care market is massive, offering a wide range of opportunities across stocks with wide-ranging market caps that live at various different levels of risk. As a result, regardless of your goals when you make investments, you’ll likely find an opportunity or two that fits well in your portfolio.

For example, if you’re looking for a stable growth stock that pays dividends and comes with a relatively low level of risk, you would likely dive into a blue-chip stock like Johnson & Johnson. This stock has a long history of sustained growth and increasing dividends, fitting the bill for exactly what you want.

On the other hand, if you’re willing to take on more risk and want to get in on a company on the ground floor for a potential opportunity to win big in the long run, you may look at Novavax. This company has multiple vaccine candidates under development, some in late stages, and seems to be changing the way we see influenza vaccination while also working on a COVID-19 vaccine candidate.

If you’re somewhere in between and don’t want to take the risk on the ground level, but still want the opportunity for significant gains, you may look at a company like Gilead Sciences.

Gilead Sciences has seen great success with its hepatitis C treatment franchise. With work in COVID-19, HIV, and several other ailments, the company may see similar blockbuster success ahead. In the meantime, revenue and earnings growth generated from the early successes of the company greatly reduces the risk.

As you can see, no matter what your needs are as an investor, there’s a strong chance that a health care stock — or group of stocks — can assist you in meeting your investing goals.

2. The Industry Is Interesting

Successful investors will generally tell you they avoid investments in companies that do things they’re not interested in. There’s a good reason for that. To make money in the market, you have to be willing to do research into the companies that you’re buying pieces of.

If you’re interested in what you’re investing in, you’re more likely to do the research that’s required to make effective investments. Conversely, if you’re not interested in the product produced by a company, there’s a possibility that you will cut the research short, not getting the full story, and therefore, you’re incapable of making an educated investment decision.

The vast majority of children have an interest in science and what makes the human body tick. As you grow older, this interest tends to continue. It’s the reason both the “Bill Nye the Science Guy” and “MythBusters” TV shows were so popular, even though one was geared toward younger audiences and the other toward adults.

Health care and medicine are highly scientific topics. As a result, you’ll likely find the research into these topics more interesting than research surrounding topics like banking, commodities, or other industries that don’t have the “sexy” factor.

3. There’s a Feel-Good Effect

There’s no other way to say it. Investing in health care makes you feel good. When you invest in a health care stock, you’re investing in a company that has improving the lives of others at its core.

The entire sector is centered around making the sick feel better, improving the quality of lives of patients, and extending the length of life. Those are tall orders, and the heroes in the health care field fill those orders every single day. An investment in a health care stock can be as much a philanthropic move as it is a capital one.

In today’s day and age, socially responsible investing is becoming more popular. Investors are just as interested in the problems their investments address as they are in the money the investments can generate for them. The vast majority of health care investments lend a hand to the socially responsible investing trend.


Cons of Health Care Stocks

Although investing in companies in this space can be a lucrative venture and make you feel good in the process, there are also drawbacks to consider. Some of the most important drawbacks include:

1. Exclusivity Doesn’t Last Forever

In the health care sector — especially when it comes to companies that create new medicines and technology — exclusivity is important. When the U.S. Food and Drug Administration (FDA) approves a new drug, the regulatory agency grants an exclusivity period in which the company that receives the approval is the only one that can sell the treatment in the United States.

In general, this exclusivity period lasts for five years. However, for drugs that treat rare conditions or those that treat conditions with no other options on the market, exclusivity periods can be extended to up to seven years.

Once an exclusivity period expires, any other company can sell that therapy under a generic brand name, cutting a deep hole into the revenue generated by the original drug developer.

If a company does not continue to innovate and only has one approved treatment, the scars left by generic competition can be painful for the company and its investors, cutting into earnings growth and potentially leading to losses.

2. Clinical Trials Can Go Wrong

Many companies in the health care industry have an additional hoop to jump through. Before a drug, medical device, or therapeutic agent can make it to market, it needs to be tested in three phases of clinical trials.

Should any of these clinical trials go wrong for a company, its stock may experience a dramatic decline in value. This poses an added risk for investors considering buying companies in the clinical-development stage.

3. There Are Several Risky Plays That Look Good

There are quite a few companies in the health care category that sell a hope and a dream. The problem is that hopes and dreams are easy to buy into. For example, people understand the global health risks posed by AIDS and can get excited about the prospect of eradicating the disease.

Unfortunately, there is still no cure for the condition.

There are several companies out there working on a solution, and every company on the list will claim that they’re onto something big. However, the vast majority of life sciences and biotech companies looking for a solution to this problem are in early development stages.

When news is released that one of these treatments did well in mice, it’s easy to think that the treatment will do well in humans and make it to market. That’s not always the case. Moreover, the road to FDA approval can be a long and costly one, further adding to the risk.

The same can be said for companies creating medical devices or even pioneering new health care services.

As a result, it’s more important than ever for you to do your research to get a full understanding of the company you’re buying into prior to making an investment in health care.


When Should You Invest in Health Care Stocks?

Because there are a wide range of different types of investments available in the health care industry, any time may be a good time to invest in the space. The key here isn’t when to invest in general, but when to invest in which types of stocks in the sector.

Market Rallies and Economic Booms

When economic times are positive and markets are rallying, cyclical health care stocks are the stocks to buy. Cyclical stocks ebb and flow with economic conditions.

Cyclical stocks in the space often work in multiple sectors. For example, according to CNBC, Apple has spent years building internal medical teams. These teams have developed health care software, hardware, and — most recently — health care provider locations.

At the same time, Apple is known for some of the most successful technologies in the world. The company makes the iPhone, iPad, Apple Watch, and several other consumer electronics products, selling billions of dollars worth of its technology every year.

These products are decidedly cyclical. Consumers are more likely to spend thousands of dollars on technology when they are secure in their jobs and have a positive outlook of the U.S. economy. As a result, an investment in Apple, or another company like it, gives you exposure to the health care sector while allowing you to take advantage of positive economic trends.

Economic Declines and Market Crashes

If you are sick, you’re going to go to your health care provider, buy medicine, and do what you can to get well as quickly as possible, regardless of economic conditions. As a result, the vast majority of companies in the health care space are noncyclical investments.

These are the types of stocks you want to get involved in when economic conditions are declining. Getting out of the stocks that have a heavy correlation to the United States economy and getting into more stable-growth stocks like established health insurance, pharmaceutical, and health care service and technology stocks protects your portfolio from significant losses.

These stocks even have the potential to experience gains through economic downturns, making them safe-haven options worth considering.


How Much Should You Invest in Health Care Stocks?

Diversification is an important part of most successful investment portfolios. The idea is that, by investing in a wide range of asset classes, sectors, and stocks across the stock market, you have the ability to avoid significant losses on a single investment or a group of investments in a single sector or asset class.

So, how should you go about diversification when it comes to health care investments?

Consider Your Goals

The vast majority of established companies in the sector are stable-growth companies. Because their products are needed regardless of the time of year, economic conditions, or geopolitical situation, these are the perfect stocks for buy-and-hold investors.

On the other hand, if you’re looking for a strong income investment or a momentum play, the majority of established health care companies aren’t going to be best.

While some companies in the industry pay dividends, the average dividend yield in the industry is just 2.28% according to Dividend.com. That pales in comparison to the 3.2% average dividend yield in the technology sector, the 3.96% average dividend yield in utilities, or the whopping 4.92% average dividend yield in the basic-materials sector.

Also, while established health care companies are known for strong long-term growth, they are not known for momentous growth. Riskier, clinical-stage biotech companies may scratch this itch, but there are far less risky plays with which to take advantage of momentum.

Make Sure You Can Dedicate Enough Time

While the health care industry is generally an enjoyable and entertaining industry to research, there is a drawback. Health care is an incredibly convoluted space. There are quite a few working parts. Not to mention, the highly regulated nature of the health care sector adds a deeper level of research that’s required to understand long-term opportunities.

As a result, if you intend to invest in the health care space, it’s important that you have the time to do the research required to get a solid understanding of just what you’re investing in before you risk your money.

It’s also important to keep tabs on new innovation. Due to short-term exclusivity periods, health care companies — even established ones — must continue to innovate to drive growth in the future. Understanding a company’s product-development pipeline requires even more of a time commitment.

Managing a well-diversified portfolio full of health care stocks could be a full-time job. So, you’ll want to limit your health care allocation to the number of stocks that you have adequate time to research, both in performing initial due diligence and keeping tabs on continued innovation.

One way around the daunting research involved with investing in health care is to consider health care focused exchange-traded funds (ETFs), mutual funds, or potentially Nasdaq Composite Index funds because the Nasdaq is biotech- and tech-heavy.

Follow the 5% Rule

No matter what sector or asset class you’re interested in, the 5% rule is an important guideline to follow, especially for the beginner investor. The rule suggests that no more than 5% of your overall investment portfolio should be used for any single investment. You should also never spend more than 5% of your overall portfolio dollars on combined high-risk investments.

Following this rule, let’s say you are interested in Johnson & Johnson — an established name in health care that’s known for consistent growth — which you believe will continue to provide tremendous opportunity.

Say you have $10,000 in your investment portfolio. Based on the 5% rule, you can invest up to $500 in Johnson & Johnson. Because you believe the stock will continue to produce compelling growth, you decide to invest the entire $500 in the stock.

However, if you have some questions about the company’s ability to continue growing, you may invest $250 to gain exposure but limit risk.

Following the same example, let’s suppose you’re looking at five clinical-stage companies in the early stages of product development that you believe have real potential. Because these are all high-risk opportunities, the rule suggests you could invest $100 into each company, ensuring that the combined total value of these riskier investments would not exceed 5% of the overall value of your portfolio.


Final Word

The health care industry is booming and filled with opportunities for investors. Not only do these stocks have the potential to generate gains within your portfolio, they have an added benefit: the feel-good effect of knowing that the company you’re funding is helping people live healthier lives.

On the other hand, not all stocks are created equal. When investing in the health care sector, be sure to do your due diligence and keep up with the companies you’ve made investments in. Short exclusivity periods and a highly regulated environment create added risks to consider.

Nonetheless, by doing your research, keeping tabs on your investments, and being a generally educated health care investor, the potential rewards are compelling.

Source: moneycrashers.com

How you get bad credit

No one likes having a low credit score or bad credit and in many cases you may not even know why you have bad credit. While it is more common for young adults to find themselves damaging their credit without realizing it, it can happen to anyone at any age. If you want to avoid having bad credit, it’s important to know what causes your credit score to go down and how you get bad credit.

First of all, it’s also important to know the difference between bad credit and no credit. If you’ve never had a credit card, car loan, mortgage or any other type of loan or any credit history, then you’ll likely be deemed as having no credit and could be denied by lenders as being high risk, simply because they have no data to show whether you’re a reliable borrower. This is not the same thing as having bad credit which looks as bad or worse than having no credit. Bad credit is caused by a bad credit history, large amount of debt, or other issues on your credit report.

Top 4 Reasons You Have Bad Credit

To help you better understand why your credit is bad, here are 4 of the most common reasons that you may have damaged your credit:

  • Too Many Credit Checks: Likely the most common reason that your credit score is lower than you’d like is due to frequent credit checks. If your credit is checked more than once per year, then you will likely lose points on your credit score. This can be caused by applying for credit cards too often, checking your credit score frequently, or even from checking mortgage rates from multiple lenders in an attempt to get the best deal on your new home. Credit checks are very common so it is imperative that you keep track of how often you have having your credit checked to avoid this common mistake.
  • Large Amount of Debt: Another reason that many people have bad credit without realizing it, it due to a large amount of debt. You may be paying your credit card payments on time, have little or no negative instances on your credit report and may have even been very careful to not check your credit too often but may still have bad credit. This is often times caused by a poor debt to credit ratio which is when you use all of your available credit for your debts. In other words, if you have a credit card with a $3,000 limit and you continually have it maxed out or more than 50% (below 30% is optimal) of your available credit is used, then you will likely damage your credit. You may also be declined for loans if you have a large amount of debt compared to your income which is very common with someone who has a mortgage, car loan, and other forms of debt which consumes a large percentage of their income.
  • Past Delinquencies: If you’ve had trouble with debt in the past, such as a foreclosure, repossession, bankruptcy, neglected loan or other similar derogatory mark on your credit in the past, it could be keeping your credit score down and causing you to have bad credit. Many of these types of delinquencies can stay on your credit report for 7 to 10 years so, while you may have forgotten all about it, it may still be showing on your report and handicapping your ability to rebuild your credit.
  • Late Payments:  It can be surprising how many people actually do not realize how their payment history can severely impact their credit. This is likely because many lenders will provide a due date for monthly payments but will provide some type of grace-period before late fees are assessed. This can often-times cause complacency, leading to occasional late payments by borrowers simply because they think they have a couple extra days after the due date to get their payment in. Well, unfortunately, many lenders will report late payments to the credit bureaus which will result in a negative mark on your credit report and a lower credit score. This is very common with credit cards and mortgage payments and any late payment can severely damage your credit and could even increase your interest rate.

How You Can Repair Your Bad Credit

While bad credit can be a complete nightmare and it may seem impossible to improve your credit again, there’s still hope. It will take time but you can certainly repair your credit and get your credit back on track. First of all, going forward, you’ll want to make sure that you avoid the common mistakes listed above but you can also work on adapting some best practices to improve your credit score. Make sure that you make your payments on time, keep a low debt-to-credit ratio – only using about 30% of your available credit on your credit cards – and make sure that you keep using your cards at least a few times a year. Rather than cancelling old cards that you don’t use anymore, it is also beneficial for you to hold on to old cards, using them occasionally, as older cards will help your credit more than new cards which no history.

Lastly, you should check your credit report for errors or inconsistencies which could allow you to dispute negative items on your report which would help to repair your bad credit. While this can be done manually, it is usually recommended that you hire a credit repair company who can go to bat for you against the credit bureaus which will give you much better chance of finding errors and getting negative items removed from your credit report. Most people see an increase in their credit score in less than 45 days when using a credit repair service.

Source: creditabsolute.com

Dear Penny: Am I a Jerk if I Include My Credit Score on Tinder?

Dear Penny,
You’re probably not looking for someone to compare weekly credit-monitoring reports with. So make sure to mention something you’re excited about, like traveling or pursuing a hobby, that you can hopefully do with the right person.
If your message is that you care a great deal about credit scores and you’re seeking another member of the 800-plus club, by all means include your credit score. Meet for drinks. Talk about who got the lowest refi rate as you watch the sunset.
Privacy Policy
Still, think back to when you got your mortgage. Your lender probably considered a bunch of factors beyond your credit score before approving you. Dating really isn’t any different. Proving that you’re a catch to the right person will require more than just a credit score.

-Creditworthy Catch
Others have less-than-perfect credit because they’ve encountered tough times, or because they’re human beings who have made mistakes. That doesn’t mean they’re not dating material.
Think of your dating profile as a tool you’re using to market yourself to other singles. Who is your target audience? What message are you aiming for? Does including your credit score help you deliver that message?
Should you choose to include your credit score, make sure it’s just a small detail. Keep in mind that statistically speaking, more than 4 out of 5 people swiping on your profile won’t be in your league, credit-wise. Plenty of people are in great financial shape, yet haven’t hit that 800 mark.
Ready to stop worrying about money?
That said, posting credit scores on dating profiles seems to be getting more common, at least according to my very unscientific poll of about a half-dozen friends who are also on the apps.
I don’t honestly think the words “829 credit score” are going to make or break your dating life. You’re writing your Tinder bio, not tattooing your credit score on your forehead. If you find that your profile isn’t working for you, you can easily change it.
By that I mean, show the world you’re financially solid without telling them your credit score and salary. Say what you do for a living and why you love it. Drop it in there that you own your home and that you’re mostly debt-free if you wish.
Ultimately, I think a little humblebragging will probably go further than boasting outright about your credit score. Modesty can be an attractive trait, even on dating apps.
And it sounds like you have plenty of qualities that other people would find attractive. You’re successful, but you’re also self-aware. You get that including this information may make some people uncomfortable. More importantly, it makes you uncomfortable. So if it makes you self-conscious, why include it?


Source: thepennyhoarder.com
I’ve worked hard to get an 829 credit score. I’m a homeowner with a good career. In the past year, I’ve paid off all my debt other than my mortgage. I’m an average-looking guy looking to stand out. I’ve seen a few women post their credit scores and I’ve heard that high credit makes you more attractive in dating. But it seems kind of tacky to me.
I’ve asked a few female friends whether I should include my credit score on my profile, but they’re split. What do you think, Penny? Will this make me sound like a jerk?
I can’t say whether you’re boyfriend material based on your letter. But your 829 credit score is certainly swoon-worthy considering that just 21% of consumers have a credit score of 800 or higher.
So I don’t think you’d reach a level of cringeworthiness that’s going to have women screenshotting your profile in horror.
Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to [email protected].
I think your goals are a little more nuanced, though. As you said, you’re an average-looking guy who wants to stand out. It sounds like you’re also looking for someone who, like you, has their life together.
Reasonable people can disagree on whether including your credit score in your dating profile is obnoxious. I think some people find it off-putting whenever someone quantifies their accomplishments too much on a dating profile. Saying you eat healthy and work out daily is fine. But unless you’re seeking to meet a competitive bodybuilder, posting your bodyfat percentage would probably be seen as arrogant.
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If you’re trying to tell Tinder that you’re a rich guy, go ahead and include your credit score too. But if that’s your messaging, don’t complain about how superficial dating is. Expect that some people will be less interested in you than they are in your wallet.

Dear Catch,