If you're paying 2011 income tax to the IRS this year, you have several ways to pony up, including cash, personal check and your favorite credit card. A recent MSN poll of 954 readers found that only 8 percent of them plan to pay with a credit card. While there are positives to paying taxes [...]
If your child is in college or will soon be turning 18 years old, you may have toyed with the idea of letting him or her get a credit card.
But should you co-sign for that card?
Financial experts offer a range of opinions on the topic.
"It's important for young people to have something to help them [...]
If you can see yourself hanging out with the well-heeled couple in those Chase Sapphire commercials, you probably made it through the recession relatively unscathed. Not everyone's feeling so fortunate, though.
According to a joint poll run by MSN Money and CardRatings.com, nearly three in four Americans report having frozen or cut back their use of [...]
Using an airline credit card can be fun, if you don't mind the bills. Every purchase can allow you to daydream about how to use the airline miles you're earning. A trip to Hawaii in the winter or flying the family to Disneyland sounds like fun…until you try to redeem those miles.
"It's harder than ever [...]
According to the U.S Travel Association, Americans plan three of every four domestic trips for leisure purposes. That means big changes at airports, where airlines have replaced swanky lounges with extra departure gates. Even the best credit cards for frequent travelers have evolved, offering more rewards for leisure travel and easier ways to earn flights.
Change doesn't come quickly to the credit card business. It took almost two decades for engineers to agree on the standard for the magnetic stripe. Another 25 years passed before European banks issued cards with embedded microchips, a technology that never took off in the United States.
Even today's contactless credit [...]
An estimated 58.5 million Americans traveled overseas in 2011, according to the International Trade Administration. That's a 3 percent increase from the year before, signaling that our wanderlust and our love of travel bargains has inspired us to start globetrotting again. To help you get ready for your next adventure outside the United States, we [...]
You might think your credit and financial habits are nobody's business but your own. But whether you like it or not, your kids - especially teenagers and college students - watch your financial behaviors and learn a lot from you.
For better or worse, our offspring often mimic our financial traits and money-management patterns in ways [...]
Whether you're celebrating spring break as an actual student, or you're young in spirit, we can suggest six of the best credit cards to help keep you from losing your shirt. At least, a shirt you don't want to lose…
Best credit card for spreading out spring break travel costs
If you've already splurged on airfare and [...]
Many credit card articles are about the importance of using a credit card responsibly. This one isn't one of those.
Credit card roulette is a game, but it's definitely not for kids. Or people who are cash poor. Or people with a nervous constitution.
If you think "credit card roulette" means deciding which of your credit card [...]
CardRatings.com asked readers to tell us how they helped or hurt their credit scores. This story from reader Melinda Graham of York, Pa., shows how a little bill can cost you big money.
In the fall of 2008, I got a flu shot at my doctor's office. A few weeks later, I got billed $5 for [...]
Back in 2009, the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act was signed to great fanfare, with the White House lauding it as a "turning point for American consumers." The question is, which way have things turned for consumers? By at least one measure, the CARD Act may have been a multi-billion dollar turn [...]
When you pay with a rewards credit card, you might get airline miles, points redeemable for merchandise, or cash back into your account. Ever wonder who's footing the bill?
Every time you pay with a debit or credit card, retailers get charged an "interchange fee" from card issuers to accept the payment. Interchange fees vary from [...]
According to federal court records, Chapter 7 bankruptcy filings outnumbered Chapter 13 filings more than two to one during 2011. Home foreclosures and insurmountable medical bills topped the reasons why many Americans are seeking this last resort for debt relief. Even if you've been dutifully paying your credit card bills every month for years, defaulting [...]
There seems to be a lot of confusion out there on how to use a company credit card. True, millions of people use them every day without making the news, but in recent months, there have been a lot of local headlines about employees getting in hot water for how they've managed their business credit [...]
Even though millions of consumers take the time to compare credit card offers online every month, television advertising still plays a key role in helping us decide which brands we trust and what cards to avoid.
According to trade publication Advertising Age, lenders have stormed back into Americans' living rooms with sharp ads and big budgets. [...]
Surfing a credit card balance from a high-interest card to one with a lower interest rate has been a common way for those with debt to pay it off more quickly and save money (or even make money) on interest. Balance transfer deals became scarce following the financial crisis of 2008 as credit card issuers [...]
Even though it falls on the same date every year, Valentine's Day still takes many of us by surprise. If you're in a new relationship, you're trying to figure out how far you can go with gifts, flowers and dinner on the town. And if you've been with the same partner for years, you're probably [...]
You've resolved to improve your financial situation this year. Maybe you want to pay off a loan, knock off some credit card debt or boost your credit score. Way to go!
As you set out to accomplish your goal, beware and avoid options that seem like quick fixes. Often, they only help at the surface temporarily, [...]
Like a heavyweight fight in Las Vegas, the newest entrant in the super-premium credit card arena, Visa Black Card, challenges the defending champion, the American Express Centurion Card.
Last year, CardRatings.com talked with two entrepreneurs who carry the Centurion card to find out how they use the most exclusive credit card to manage their lives. One [...]
Going through a divorce can be one of the most stressful and emotionally draining experiences of your life. Your credit score is probably the last thing on your mind, but you do need to make sure you're working towards a healthy financial future in the midst of the separation from your spouse.
Some people are left [...]
Most Americans have an active stake in one issue that might be easy to overlook in the midst of the 2012 Presidential campaign: policies affecting our day-to-day use of credit cards.
Between the incumbent President, several contenders for the Republican nomination, and a Libertarian candidate, it can be tough to keep track of the various positions [...]
If your 2011 financial history involved a string of late payments, dealing with foreclosure, or having accounts go to collections, your credit score probably took a beating.
Still, it is possible to restore your credit if you're willing to make a consistent effort. You'll need to modify your spending, adopt healthier payment practices and tweak a [...]
Credit cards aren't magic, but they can seem like it. After all, one minute, you have nothing in your hands, and then the next, simply by waving a piece of plastic (which might as well be a wand), presto! you suddenly own something you didn't previously have.
And for many shoppers, the way credit cards make [...]
Editor's Note: The CardRatings.com team of credit card experts picked the worst credit cards of 2011 based on their terms, fees and overall value to consumers. CardRatings.com was recently ranked the No. 1 credit card comparison site in Bing Editor's Picks.
While we prefer to focus on the best credit card deals on the market, it's [...]