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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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It's no secret that a sizable percentage of small businesses are financed with credit cards, but there's enough to think about when starting your own business without having to sift through the tons of business credit cards currently on the market. We talked to a few entrepreneurs and did some digging of our own into [...]
Categories: Business Credit Cards
Your credit card company owes you one, perhaps in the form of a drink at the end of the working week, a round of golf or a spa treatment. You may not immediately associate credit card companies with such generosity, but it's true -- your next outing could be their treat! And there may be many [...]
The list of prom essentials seems endless -- young ladies need the perfect dress, a glamorous hairdo, flawless makeup, matching shoes and evening bag. Young men need a suit, shoes and a corsage for their date. Don't forget about prom tickets, dinner and transportation to the dance. According to a recent study by Visa, the [...]
Even though it sometimes sounds absurd to pay money for the privilege of borrowing money, a handful of major credit cards add enough value for cardholders to justify the cost of their annual membership fees. $: Starwood Preferred Guest® Credit Card from American Express In exchange for this card's modest annual fee, you'll earn Starpoints on eligible [...]
Categories: Best Credit Cards
If you've recently had a bankruptcy discharged, your mailbox may be filling with new credit card offers. Although it seems counterintuitive, some companies actually seek out and market their cards to recently bankrupt individuals. That may be due in part to the fact that once you've declared bankruptcy, the law limits how quickly you can [...]
Target's recent data breach hit a little too close to home for my family. Why? I found myself stranded at a restaurant without a working credit card my kids had to eat the dreaded veggie plate at school because their lunch account was frozen for nonpayment I didn't get to read People magazine after my online magazine account [...]
It's bad enough we have to turn over anywhere from 10 to 40 percent of our hard-earned income to the federal government at tax time, but some unlucky cardholders may have also received tax forms for their credit card rewards this year. The question of whether credit card rewards are taxable has been the subject of [...]
Categories: Rewards Credit Cards
Even though many zero-percent-APR introductory offers have been getting longer lately, a low-interest credit card can help you prepare for an emergency expense or for a moment when you might not qualify to surf your balance interest-free. PenFed Promise Visa Card Although credit unions don't have to ramp up interest rates to please shareholders, very few of [...]
Categories: Best Credit Cards
When I cash out my reward points, it's generally for a $50 Gap or Home Depot gift card. I don't have the patience to let it build up for years and years -- I want it now. Since I do almost all of my banking and bill paying online, I keep pretty close tabs on [...]
Categories: Rewards Credit Cards
You may not give much thought to how you use your credit card, but your issuer sure does. Credit companies know that you fit into one of three distinct credit card personality types. Here's a rundown of all three. Type 1: the Revolver Let's get this out of the way first -- if you're a Revolver, your [...]
Categories: Financial Literacy
There's little doubt that Americans with higher credit scores get better deals on core consumer items like mortgages, auto loans and credit cards. So why do so many U.S. consumers know so little about their credit scores? According to the Consumer Federation of America, 40 percent of Americans didn't know that credit card companies use credit scores [...]
Categories: Credit Scores
If you've never had your own rewards credit card, chances are that you might be missing out. That's because, as Lauren Gensler recently pointed out in Forbes, some of the biggest banks around are trying to build their credit card customer base by reaching out to their own customers. To make the sale, writes Gensler, [...]
In the popular Netflix series "House of Cards," Kevin Spacey plays a character who builds a career by carefully layering one deception on top of another, much like someone building a house of cards. For too many American households, the tools of deception are not playing cards but credit cards, and it is the worst [...]
Categories: Credit Card Debt
Have you ever done anything crazy with a credit card? Most Americans have, according to a new study conducted by Op4G on behalf of CardRatings.com. From weddings to weed, people charge the darnedest things. This would be mildly amusing if it were not for the tremendous cost. According to the Federal Reserve, credit card balances have been [...]
Categories: CardRatings Polls
Want to treat your sweetheart this Valentine's Day? Although motivated by love, Valentine's Day can quickly become an expensive affair. Last year CNN estimated that the average American spent $130.97 per person for a total spending of $18.6 billion. But you can use your credit card to make the holiday less expensive for you and [...]
Categories: Rewards Credit Cards
So you want a credit card with zero-percent interest? While they disappeared during the credit crunch, credit card issuers have brought them back lately. Despite their proliferation, they're tough to get, and high in demand, but obtaining the highly rare zero-interest credit card is doable if you know where to look. "Zero-interest credit cards are definitely more [...]
Categories: 0 APR Credit Cards
Now that the holidays are over and a new year has begun, many people are using the time spent indoors on chilly winter days to declutter and organize paperwork in preparation of tax season. Before you pull out the shredder, it is essential to understand what papers and statements you need to save and what [...]
Categories: Financial Literacy
A trip to the dentist's or doctor's office can be pricey. Should you put the bill on your favorite rewards credit card? Here are some things to consider before pulling out your card. You've already got a rewards card There is a good chance you are carrying a rewards credit card in your wallet. According to a 2012 [...]
Categories: Rewards Credit Cards
Here's a secret that you may already know but it can't hurt to remember: personal finance is a skill. How you use your credit, where you put your savings, how you invest for retirement or for your children's future -- it all takes knowledge, patience and planning. That said, just about any skilled practitioner will tell [...]
Categories: Financial Literacy
In the third quarter of 2013, total household indebtedness in the U.S. rose to an astonishing $11.28 trillion dollars, up 1.1 percent from the previous quarter. And, according to government data and Federal Reserve statistics, $4 billion of that increase can be attributed solely to credit card debt. So, what does this tell us? It [...]
Categories: Financial Literacy
Once you reach a certain level of responsibility at work, you may be chosen for a company credit card. You won't be alone, either -- ABC News reported that Americans charged $140 billion on corporate cards in 2009. Corporate credit cards are often used to help streamline a company's financial logistics, or to demonstrate to [...]
Categories: Business Credit Cards
Credit card advertisements are almost unavoidable. Just about every commercial break on television features Alec Baldwin, Jimmy Fallon or some other celebrity pitching a credit card, and then there are the offers that pop up on websites or arrive in your mailbox. Are these advertisers wasting their breath -- not to mention their money and [...]
Categories: CardRatings Polls
Small-business owners are in a quandary these days. They want access to credit and liquidity, but they're not really using business credit cards to get the job done. About half of U.S. small-business owners say access to capital is a barrier to growth right now, according to the New York Federal Reserve's Small Business Credit Survey. [...]
Categories: Business Credit Cards
Competition has crept back into the credit card marketplace, with major brands squaring off against upstarts from unusual places. This year, banks and payment platforms worked even harder to give consumers reasons to remain loyal to their brands.
Categories: Best Credit Cards
The holiday season is filled with decking halls, spending time with family and eating delicious homemade treats. But each holiday season, many consumers become a victim of credit card fraud or theft. And spending your days on the phone with the credit card company and worrying about the crime is a sure way to take [...]
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