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I was Christmas shopping and went to the counter to check out and my credit card wouldn't work. Discover turned it off! I had made too many transactions. Should I be angry? I lost all my Christmas gifts.

It's an increasingly common phrase at big box stores, shopping malls and even fancy restaurants: "I'm sorry, but your credit card has been declined." Nobody likes hearing that. Getting your credit card declined is one of the most embarrassing things you can go through, especially when you're already stressed out with holiday shopping. But understanding the reasons [...]

I'm looking for the best credit card offer with benefits of extended warranty, price protection, purchase assurance, and satisfaction guarantee.

Sounds like someone really likes to hunt for bargains! While most credit cards give you plenty of protection at the cash register, a few cards rise above the rest when you need to fight for your consumer rights. Making any purchase with a credit card gives you added protections and benefits that you simply can't get [...]

I want a free gift for my credit card application. Which credit cards offer the best free gifts?

Competition does wonders for consumers. Think back a few years ago, to the height of the financial crisis. Banks had little money to lend, even to the point of cancelling accounts for long-time cardholders. It's great, then, to see so many lenders loading up their credit card offers with significant signup bonuses. According to Mintel Comperemedia [...]

What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card?

Q: What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card? A: I'm not sure who is writing me, husband or wife, so I'll just answer as if you were both sitting across from me. I also don't have [...]

I have $15,000 in credit card debt that I would like to transfer to a zero percent card for as long as I can get. What's the best option?

Q: I have $15,000 in credit card debt that I would like to transfer to a zero percent card for as long as I can get. Is this possible? Where should i start to find the best option? A: It's once again possible to find a balance transfer offer, even for an amount as high as [...]

I have an employee who travels a lot. This means that he is always renting hotel rooms and renting cars and eating at restaurants. What card gives discounts on hotels and cars or gives the best rewards.

Q: I have an employee who travels a lot. This means that he is always renting hotel rooms and renting cars and eating at restaurants. What card gives discounts on hotels and cars or gives the best rewards. A: Plenty of airline credit cards and affinity programs can help you stretch your travel budget. But I [...]

I have asked my bank for a lower APR but was denied. How can I find another credit card to get rid of my high interest rate without going through a debt agency?

Q: I have asked my bank for a lower APR but was denied. How can I find another credit card to get rid of my high interest rate without going through a debt agency? A: You have a couple of options here, depending on your comfort level with your current bank. The financial crisis rocked the routines [...]

I am trying to decide between a CitiBank and Discover balance transfer offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense?

Question: I am trying to decide between a CitiBank and Discover balance transfer offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense? Answer: Great question. Actually, if [...]

What credit card should my son get when he leaves home?

Question: Our son is leaving home and moving into an apartment. He has a part-time job. What credit card would be best for a young man to help build good credit? Answer: Great question. There are a lot of good credit cards out there that would be ideal to help any young adult build credit. The [...]

How do I know what kind of credit card to choose and from what issuer?

Question: How do I know what kind of credit card to choose and from what issuer? Answer: Because applying for many credit cards in a short time can damage your FICO credit score, it's important to compare credit cards carefully and pick just one or two that you think you'll want to stick with for a [...]

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