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Authors

Curtis Arnold
Curtis Arnold, Editor-in-Chief
Joe Taylor
Joe Taylor Jr., Reporter
Amber Stubbs
Amber Stubbs, Managing Editor

Credit Card Information

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As the credit card offers fill your mailbox and you see more TV ads for credit cards, you may think that the credit card issuers are looking for new customers. And you're right. If 2011 wasn't your year for credit, 2012 might be better. We talked to credit card experts to find out what consumers can [...]
If you're the parent of a teenager, at some point he or she is going to ask you about two things that may make your heart skip a beat: getting a driver's license, and getting a credit card. Before your son or daughter can get behind the wheel of a car with a license, he or [...]
Categories: Financial Literacy
You hand your Visa to the waiter to pay for your dinner and he disappears with your credit card. He returns a few minutes later with your bill. You sign the credit card receipt and leave. You don't think anything of it until the end of the month when you receive your Visa statement, and you [...]
Many credit cards look and act alike. Cash back rewards cards battle over seasonal bonus promotions, while travel rewards cards often rely on the reputation of their brand partners. A simple bonus, perk or privilege can win the battle for a prospective cardholder's business. To illustrate, we've scoured our database for six of this year's [...]
Categories: Credit Card Deals
Despite an inexplicable drop in the price of four calling birds, PNC Wealth Management estimates the cost of all the gifts in "The Twelve Days of Christmas" at a cool $101,119.84. Following the song to the letter means delivering 364 gifts to your true love this month. If you're going to charge all of those [...]
Your phone rings. It's your favorite charity on the line, asking for a donation. You could give generously by simply rattling off your credit card number. You're in the market for a new car. You just received an offer for a cash back rewards card. Why not put the new car on the card and pocket [...]
We want to make the holidays special for our loved ones. And when advertised deals are calling your name and seasonal ambience is enveloping you, it's easy to get enraptured by the holiday spirit, succumb to the offers and spend, spend, spend. "And then you get the hangover," says Julie Mayfield, author of the personal finance [...]
With the days of easy credit long gone and the economy still in weak recovery, more holiday shoppers plan to pay cash for their purchases this year, according to the results of a recent poll by CardRatings.com and MSN. And credit cards easily surpassed debit cards, suggesting that more consumers are taking advantage of the [...]
If you're the parent of a student in college, you probably aren't worrying too much about getting your son or daughter a new credit card. You have plenty of other things to worry about. Those pictures your son posts on Facebook, in which you hope, but rather doubt, that it's grape soda in that wine [...]
Stealing credit card numbers is a crazy way to make a living, and we've certainly seen more than a few crazies showing up on police blotters lately. You might have heard about the thief who used a stolen credit card account to purchase the same meal at Burger King every day for almost a month. [...]
Although many people want to reduce debt and better manage their finances, Americans aren't quite ready to give up their love affair with credit cards – particularly during the holiday season. Fortunately, using a credit card doesn't always mean you have to go into debt. For starters, you can charge only what you can afford to [...]
Sometimes an invention can solve a problem. At other times, it can leave you wondering: Was this a problem to begin with? Think of the difference between a TV remote control and a Flowbee. Everyone likes to change the channel without getting out of the Barcolounger, but how many people want to cut hair using [...]
Play your rewards cards right and they can lead to enviable vacations, luxury gifts or cold hard cash. Play them wrong and they can cost you. Maximizing your rewards credit cards boils down to understanding how your card works and minding the pitfalls, say the experts. Here are six strategies to help you get the [...]
Categories: Rewards Credit Cards
If you’ve ever been turned down for a credit card, the Fair Credit Reporting Act requires the lender to tell you which part of your credit profile hit a sour note, whether it was a past bankruptcy or too many late payments. Since the recent economic downturn, the best credit card companies have made their [...]
Categories: Credit Scores
The number isn't as catchy as 911 or 411, but for beleaguered credit card holders, 1-855-411-CFPB (2372) could end up being a financial lifeline. In case you don't know what that last phone number is, that's the direct toll-free hotline to the Consumer Financial Protection Bureau, the brand new Federal agency launched on July 21. If [...]
If you've ever filed for bankruptcy, or considered doing so, you probably worried about the impact of a bankruptcy filing on your credit score. That concern is understandable. After all, a bankruptcy stays on your credit reports for 10 long years. But choosing bankruptcy protection doesn't mean your overall credit rating has to suffer for a decade. [...]
Every year, the Office of the Comptroller of the Currency surveys the leaders of America's major banks to understand the overall lending landscape. This year's Survey of Credit Underwriting Practices marks the first time in four years that a majority of credit card issuers left their consumer lending requirements unchanged, instead of tightening them. In [...]
Categories: Rewards Credit Cards
If you buy a bag of corn chips at the grocery, you're probably also getting a container of salsa. If you purchase an iPod, you'll probably want earbuds with it or some apps. Some products, like digital cameras (batteries) and reading lamps (light bulbs), virtually demand that you purchase an add-on. It's a longer leap of [...]
When we're kids, those shirts in the bedroom closet can look like lurking monsters. Without a nightlight, the dark can seem ominous and chilling. When we're a little older, our fears turn to horror movies, roller coasters and pop quizzes. But for grownups, there's nothing quite as dark and creepy as a steadily dropping credit [...]
New technology usually comes with its share of consumer concerns. It's no surprise that urban legends and myths have proliferated about the new EMV chip credit cards. Here are a few of the most common, along with our expert opinion as to their veracity: PINs don't matter. True. Researchers from the University of Cambridge discovered that a fraudster [...]
Although interest rates are at historically low levels, even the best credit card rates remain in the double digits. So if you're grappling with credit card bills, it can sometimes seem insurmountable to dig out of debt. To slash borrowing costs and more quickly eliminate debt, consumers are increasingly using alternative repayment strategies, including peer-to-peer lending. Peer-to-peer [...]
Categories: Featured Articles
If you've recently traveled to Europe, or if you live in a popular tourist area in the United States, you may have noticed a new kind of credit card terminal at checkout counters. These devices combine the familiar magnetic stripe reader with up to two new sensors: a slot for credit cards with exposed "EMV [...]
What's the scariest thing in your wallet? It might be your credit card – and not just on Halloween. Frightening offers, terrifying terms and petrifying practices still exist in the world of plastic. See what you need to beware of. Bad deals for bad credit  If anyone needs a break, it's somebody who has had financial trouble. [...]
What's the smartest credit card move you've ever made? CardRatings.com asked that very question in a recent poll in the weeks leading up to the American Bankers Association's annual "Get Smart About Credit Day," set for Oct. 20, 2011. The ABA's nationwide campaign aims to educate young people about sound credit card use. The poll first appeared [...]
We've become so comfortable with our credit cards that it's easy to forget about being cautious. Even if your credit card boasts the best fraud protection in the business, you may still be leaving yourself vulnerable to identity thieves who can't wait to get their hands on your account details. CardRatings asked consumer advocates, financial [...]
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