When Wisconsin Senator Gaylord Nelson envisioned the first Earth Day in 1970, environmental activists achieved more than they could have imagined. The years that followed saw the launch of the Environmental Protection Agency, the Clean Air Act and the Clean Water Act. Since then, companies have worked harder to balance business demands and environmental protection [...]
Fifty years ago, the Beatles signed their record deal with EMI, found a new drummer, and started recording their classic songs. In September 1962, with no clue about the fortunes they'd amass as one of the world's biggest rock and roll acts, the Fab Four had to borrow money from manager Brian Epstein for airfare [...]
Different versions of the tale offer various inspirations for Frank McNamara's brainstorm at the start of the 1950s. A personal loan business going stale, an embarrassing night out, and a nervous conversation with his wife all factor into the creation of Diners Club, the first general purpose credit card designed to work with multiple merchants.
Likely you've done it -- lost your credit card bill under a pile of papers and by the time the bill surfaces, it's past due. Guess what: You've just committed one of the seven deadly sins of credit card use - and the costs will add up.
Yes, the best credit cards are a convenient way [...]
More than 1.4 million Americans claimed bankruptcy during the preceding year as of September 2011 (the latest statistics available), punctuating the frustration many Americans felt at the height of the economic crisis. Filing for bankruptcy protection under either Chapter 7 or Chapter 13 requires overcoming extreme emotions. We fear the social stigma of being classified [...]
Record numbers of banking executives packed a well-known resort outside Orlando in the latter half of March to swap industry gossip and to show off the latest innovations in debit and credit card products.
Under shareholder pressure to lend more money to consumers, big banks used the gathering to scout potential takeover targets. Marketing chiefs attended [...]
If you're paying income tax to the IRS this year, you have several ways to pony up, including cash, personal check and your favorite credit card. While there are positives to paying taxes with plastic, the experts we talked with say there are at least as many negatives.
Rewards points and convenience are two reasons for [...]
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 [...]
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. [...]
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 [...]