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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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No. 5 Most-Viewed CardRatings.com Article of 2011* When the Credit Card Accountability, Responsibility and Disclosure Act was ushered into law, it was heralded as a way to protect consumers from unfair and deceptive practices by credit card issuers. But while the new law provided some consumer benefits, many finer points of the CARD [...]
You've been good. Your credit cards are current. Up until now you've had stellar credit and you've been able to charge purchases to your credit card without giving it a second thought. Now, it's uh-oh time. You didn't see your employer headed for financial trouble. You're hanging on, but you've taken a huge pay cut. Or, you weren't [...]
Categories: Credit Card Debt
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 cards at [...]
Categories: Credit Scores
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 [...]
Categories: Airline Credit Cards
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 [...]
Categories: Best Credit Cards
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 [...]
Categories: Rewards Credit Cards
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 a $50,000 loan [...]
Categories: Credit Scores
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 [...]
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 [...]
Categories: Best Credit Cards
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 [...]
Categories: Financial Literacy
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 [...]
Categories: Rewards Credit Cards
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, [...]
Categories: Rewards Credit Cards
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 [...]
Categories: Rewards Credit Cards
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 [...]
Categories: Financial Literacy
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 [...]
Categories: Credit Scores
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 [...]
Categories: Best Credit Cards
Safety in numbers, we're always taught. It's smarter to go out late at night with someone accompanying you than to make your way alone, and those who hike in the rugged wilderness without a companion could wind up like that guy in "127 Hours." Some personal finance and travel experts offer a similar take on [...]
Do you know your credit score? According to industry experts, an estimated 45 to 60 percent of Americans don't have any insight into this important number. Even worse, U.S. consumers scored only 60 percent on credit score knowledge in a January 2011 poll conducted by the Consumer Federation of America. That means a staggering number [...]
Categories: Credit Scores
No. 4 Most-Viewed CardRatings.com Article of 2011 Whether you loved the idea of the Credit CARD Act of 2009 (full disclosure: I'm a fan), or you thought it was yet another overreaching law, with the two-year anniversary just behind us (it was May 22), it's become apparent to industry and personal finance experts that there have [...]
Every year around this time, thousands of college graduates receive their diplomas, maybe a slice of graduation cake, and an abundance of advice about making it in the real world. Credit cards are a powerful financial tool that can open doors when used wisely. If you're considering applying for your first credit card, these five [...]
Categories: Featured Articles
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