Having a credit card is a great way to get over lean times, but you must have a good credit rating to be eligible for a credit card. That being said, while a poor credit rating makes you ineligible for regular credit cards, it does not mean credit cards are completely out of the question. There are several types of credit cards for people with bad credit. Although these cards may not offer comparative benefits and perks, they give you an opportunity to build on your credit rating. Discover it® Secured This secured credit card is often the first to be listed among the top credit cards for people with bad credit because it has no annual fees. It also provides the cardholder a way to upgrade to a regular credit card through automated reviews after 8 months. One can earn a 2% cashback at restaurants and gas stations on purchases of up to $1,000 and an unlimited 1% cashback on all other purchases with this credit card. OpenSky® Secured Visa® Credit Card No credit check is required to apply for this credit card, and although an initial deposit is needed, it is converted to the credit line limit. The card offers 0% introductory APR on all purchases within the first three months.

As a student, it may not be a smart idea to carry all your cash in hand, and it is important to have a bank account to keep your savings and allowances safe. There are two kinds of accounts every student needs: a savings account to save money and a checking account for everyday expenses. Here are the different bank accounts for students to choose from in the country: Bank of America:  On the list of the different bank accounts for students, Bank of America’s checking account has the top spot. The bank has two account options: Advantage SafeBalance and Advantage Plus. The minimum deposits required to open the accounts are $25 and $100, respectively. This bank levies zero monthly service fees for full-time students who are under 24. Also, the “Keep the Change” savings program of the bank rounds off your purchase to the nearest dollar and transfers the extra cash to your account when you use their debit card. Chase:  Chase is considered one of the different bank accounts that are beneficial for students because of its lucrative opening perks. New student account openers can get up to $100, and you can also enjoy a zero service fee for up to 5 years of college.

If your credit rating is lower than you would want, getting a credit card or a bank loan may prove to be difficult. A low credit rating may be the result of many factors, including late payments, high utilization, or an accumulation of negative items from your purchase history. The good news is that you are not helpless. Read on to know 7 ways to improve your credit score fast: Make regular mini payments If your credit card utilization is high, do not let the balance accumulate. Instead, one of the first among the 7 important ways to improve your credit score fast is to make regular mini payments to balance your expenses. Also known as micropayments, they can help reduce your credit card balances, and a lower credit card balance improves your overall credit rating. Increase credit limits The relationship between your payment balance and credit limit influences your credit rating. To improve this rating, you could raise your credit limit, increasing the gap between the payment balance and credit limit. This, in turn, lowers overall credit utilization. Fix credit rating errors The major credit bureaus each offer one free copy of your credit report annually. Accessing this report will allow you to identify errors that could be bringing down your credit rating.

Essential oils offer many therapeutic benefits and are commonly used in diffusers. Pet owners can also use these oils for their furry friends to cheer them up or calm anxiety or aggressive behavior. However, some essential oils can be harmful to pets, so you need to choose the right ones and use them carefully. The following are some safety tips for using essential oils around pets. Select oils wisely:  If you have pets at home, ensure that you choose essential oils that are safe for them. As pets have a heightened sense of smell, they are more sensitive to the fragrance of essential oils, and some oils are toxic for pets. So, ensure that you research and opt for pet-friendly essential oils only. Keep quality in mind:  When it comes to safety tips for using essential oils around pets, you should always choose premium-quality, therapeutic-grade essential oils to prevent any negative side effects. Oils that do not contain any artificial ingredients and additives are the best options. Go for a company that is known for growing the ingredients without the use of pesticides and toxins. Use diluted oil in the diffuser:  When using essential oils around pets, a diffuser is the safest option.

These days, pet owners wish to take their pets along on their holidays. A growing number of hotels have started making special arrangements for pets, taking care of everything from the food they offer to the stay provided. You can opt to stay in a luxury five-star hotel or a bed and breakfast, depending on your budget. But while traveling with pets, you must abide by certain rules. Here’s hotel etiquette to follow when traveling with pets: Make a prior reservation : Before making your reservation at a hotel, you must check whether it allows pets. You must inform the hotel in advance that you will be traveling with your pet, and ensure that you pay any extra charges for the stay of the pet at the time of checking in. Never leave your pet alone : This is one of the most important points of hotel etiquette to follow when traveling with pets. Instead of leaving your pet unattended in a hotel room, you can request the hotel for an attendant to take care of your pet or leave it in daycare if you have to go out alone. Leaving your pet alone in a room is against the policy of many hotels.