The best credit card signup bonuses have become lenders' weapons of choice in the battle for consumers with high FICO scores. Having recapitalized after 2008's financial crisis, banks now face pressure to lend that cash to borrowers with good or excellent credit scores.
Banks especially like recruiting "high churn" accounts: customers who pay down balances often, [...]
There's a lot of worry going around about the FICO credit score. It can be like a sleeping giant you don't want to wake.
Carry too much debt, and you could wake the giant and see your score plummet. Never carry debt, and the giant won't like that either. Apply for too many credit [...]
Debit card use has increased significantly during the recent economic downturn, particularly for smaller purchases, according to Pulse. But it's too soon to predict the demise of the credit card. For those who use credit responsibly, credit cards are still king.
The prudent use of credit cards can help you tremendously when it comes to buying [...]
Let's face it, it's tough to be an airline these days. The high cost of fuel. Declining stock value. Unpopular fees. Reduced access to smaller airports. And now, lost income due to Congress not reauthorizing funding for the FAA.
It's the passengers who feel the squeeze on their credit cards, but airlines aren't exactly flying high [...]
With nearly 20 million American students heading for college and another 55 million kids in K-12 schools, parents often have to scramble for the extra cash necessary to buy books, clothing, backpacks, shoes, and everything else today's students need to succeed in the classroom.
According to the U.S. Census Bureau, American shoppers spent $7.4 billion in [...]
Editor's Note: Thank you for your interest, this offer expired and is no longer available.
Chase has been attempting to lure infrequent flyers to its family of airline travel cards all year long with special bonus offers. Earlier in 2011, the credit card issuer offered 35,000 OnePass miles for new accounts in its Continental Airlines affinity [...]
After the credit crunch and a series of new consumer protection laws, credit card companies have been working diligently to get back into good graces with their customers. With promotions involving generous bonus airline miles, increased cash back percentages, and gift cards galore, it recalls the old song that goes "Working my way back to [...]
If you want to save big money on a big loan, do your homework, say the experts. Raising your credit score by as little as 40 points could qualify you for a lower interest on a home mortgage or an auto, student or personal loan.
Think of it this way--if you take out [...]
As any vacationer or business traveler knows, going on a trip to a distant land doesn't just mean packing away sunscreen, making sure you have enough batteries for the digital camera and daydreaming of sun-dripped days in Monaco or walking along the Seine in Paris.
There are also mundane matters to consider, like what's the best [...]
Life was once good for balance transfer card hacks. Very good indeed. Some of history's best credit card balance transfer deals ensured life was good.
Back in the day, credit card companies didn't merely charge zero interest for months and cap or outright waive transfer fees for new cardholders for an initial period. They also applied [...]
If one member of a community has bad credit, that's a personal problem. If enough people in that community have bad credit, it can quickly become a problem for everyone in the area…even if you hold one of the best credit cards and are using it responsibly.
This is why CardRatings.com has analyzed [...]
You could easily get the impression from the slow economic recovery that all of America is staggering under the weight of personal debt and credit problems. After all, our debt burden did soar in the months leading up to the start of the recession, the best credit cards are just now starting [...]
No. 3 Most-Viewed CardRatings.com Article of 2011*
You probably think the holders of the very best credit cards, such as the American Express Centurion (the "black card"), are all celebrities. But that may not be the typical Centurion member.
Perhaps a better example is Taysha Valez, the 29-year-old founder of myTAY PCS, a mobile phone and Internet [...]
Rumors and speculation abound when it comes to the very best credit cards such as the infamous, invitation-only American Express Centurion card, also called the "black card." How do you get invited? Who has one?
We contacted 29-year-old entrepreneur Don Sabatini, founder and chairman of SecretEntourage.com and a Centurion member, to get the truth about the [...]
Do you have the best credit card you can qualify for? Maybe you did when you applied for your current card, but by now you may have improved your credit score or increased your income, and you think you deserve some extra headroom when it comes to making purchases. Or perhaps you have plans for [...]
Even as economists debate whether the U.S. could experience a double-dip recession, unemployed and underemployed Americans agree on one thing: looking for work can get expensive. Fortunately, the best credit cards offer ways that you can actually save money during your job hunt, as long as you use them responsibly.
Best credit card for the all-important [...]
You've watched as your child took his or her first steps, endured the first haircut and learned to ride a bike. Now your little one has grown into a teenager and you've decided he or she is ready to take on the personal financial responsibility of that first credit card. What's the best credit card [...]
Credit card issuers have been battling for the unofficial King of Rewards title for years. That isn't new. But with the wheels of the U.S. economy moving forward, the best credit cards are getting better, and the rewards are getting richer, compared with what we were seeing during the so-called Great Recession. The unemployment news [...]
No. 2 Most-Viewed CardRatings.com Article of 2011*
Thrilled that your home state made the 10 best states for credit? Dumbfounded that yours was one of the 10 worst states for credit? Or just curious where your state ranked among the 30 states in between?
Hold on to your hats, because CardRatings.com has analyzed data from the [...]
What determines the best credit cards available? Is it the interest rate? An impressive array of merchandise and travel rewards? The lure of cash back?
A large part of what determines the best credit card is you: your needs, your habits, and your credit history. These all can determine which type of card you should have, [...]
EDITOR'S NOTE: THIS OFFER IS NO LONGER AVAILABLE. Click here for the latest offers from American Express. User-generated content is all the rage on Internet sites, and many credit card issuers are following that trend to let younger cardholders generate their own rewards programs.
Trendwatching.com predicted in 2004 that a new generation of consumers would co-create [...]
Credit card companies have been playing "the heavy" for the last few years, and it's easy to understand why.
As many consumers emerge from years of big debt accumulated on plastic, they point the finger back at financial-services providers, just like pod person Donald Sutherland fingering Veronica Cartwright at the end of the 1978 "Invasion of [...]
Credit seems like one of those things that should develop slowly--the fine wine of your finances. Those small actions you take every day would collect over time so that, in a few years, your high credit score would help you sail through that new car purchase, apartment lease or mortgage application.
That may be true for [...]
Credit card issuers make fast decisions, bolstered by credit scores that boil down the last decade of your financial history into a three-digit score. A difference of a few points can upgrade your credit card rewards program or eliminate a balance transfer fee. However, few of us take the time to understand where our credit [...]
Ah, retirement. Time to trade the jacket and tie or laptop-sized shoulder bag for new life goals, with a healthy dose of relaxation and maybe a little travel. You're looking at a lot of changes in your future--new schedule, new hobbies, and changes in how you save and spend. It's a good time to compare [...]