There are a lot of factors that come into play but for many it is best given the combination of low rates and longer terms which lead to lower payments.
What credit card can I get with fair credit (590-625)?
Assuming you are referring to a FICO score that is actually much closer to sub-prime credit. As such there aren't a lot of great deals available. Here is what you can do.
What are credit risk levels?
Credit risk is most commonly associated with various credit score ranges. While all lenders have their own specific credit score threshold the following is relatively common set of thresholds used by many traditional lenders (banks and credit unions).
Is there such a thing as legitimate payday loans?
How do you define legitimate? Almost every payday lender is following the laws of their locality or they would be shut down. I assume you are concerned about the perceived unfairness of their terms and in this regard I think it's safe to assume few if any payday lenders offer good terms.
Does it make sense to have both a Chase Sapphire Preferred and a Chase Freedom? I already have the Sapphire Preferred and am looking for a 2nd CC.
Yes it does make sense. The best value comes from your Sapphire points when you transfer them to one of their airline partners. If you get the Freedom card too you can transfer your Freedom points to the Sapphire account and take advantage of these points which have more value than simply converting them to cash.
Business Loan Partners 