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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Many savvy consumers try to avoid paying interest on credit card debt by taking advantage of 0 percent balance transfer credit cards, but the decision to make the transfer requires careful reading of the balance-transfer offer and consideration of the impact on your credit score. Credit card balance transfer offers Consumers should start by reading the details [...]
American consumers have spoken! They really like some credit cards. From September through December, CardRatings.com asked readers to choose their favorite credit cards or issuer in five key areas. After tallying hundreds of responses, we present the CardRatings Consumer’s Choice Awards for the Best Credit Cards of 2010. Editor's Note: Thank you for your interest, these offers [...]
Categories: Best Credit Cards
Do you usually end up in credit card debt after the holidays? If so, then make a vow right now that this will be the year you change history. It won't be easy, but you really can get through the holidays without buying stuff you can't afford. How? By following this simple, 7-step plan to a debt-free holiday [...]
Categories: Credit Card Debt
About two in three American shoppers spend more than $500 on holiday gifts every year. That makes the new credit card discount offers at most retailers very attractive to cash-strapped consumers. Gift givers who use retail credit cards strategically can save $50, $100, or even more on their annual shopping lists. Some stores even hand [...]
Categories: Store Credit Cards
Life changes. It happens whether we like it to or not. And when changes occur, we often develop new credit card needs. Sometimes the signs that you need a new card are subtle. But sometimes they smack you right in the face. If you experience any of the following, maybe it's time for you and your [...]
If you listen to the media, you'd think we'd all dropped our credit cards in favor of swiping prepaid debit cards instead. Sure, there's plenty to like about prepaid debit cards, but there are various downsides to think about, too. Before you kick your credit card to the curb, take a look at what's hot--and [...]
Your golden years should be filled with things you've always dreamed about. Maybe it's a cruise to the Mediterranean with your significant other. Or maybe you're just looking forward to having the time to attend your grandson's baseball games. These dreams can quickly turn into nightmares if you aren't careful about the way you handle credit [...]
If you've been getting weary from the cat-and-mouse games with credit card issuers, you'll be pleased to hear that you may finally have the upper hand--at least when it comes to these credit cards. These credit card issuers are so anxious for your business that they're willing to pay you to sign up for their [...]
If you're looking to rebuild a damaged credit history or if you're trying to establish credit for the first time, a secured credit card might be just what you need. A secured credit card can help resolve a catch-22 problem that torments consumers in these situations: How do you get a credit card when you [...]
When you think about the words "danger" and "credit card," the first thing to pop into your head is probably debt. The over-your-head kind of debt that can happen when you're not paying attention to how much you're spending. But staying out of debt is only one danger to avoid when it comes to your [...]
Credit cards are often vilified for the enticing ease with which you can get them, and the high interest rates you pay. However, in some cases you really do bring your problems on yourself. While credit cards can offer helpful rewards and provide you with a valuable financial tool, their misuse can end in heartache [...]
Categories: Rewards Credit Cards
The interest in eBooks is on the rise. And why not? If you love to read, reading a book on Kindle is a great way to indulge your passion while spending less money than you would at the bookstore. Reading books on Kindle also fits in with our on-the-go lifestyles. Whether you're on a business [...]
Categories: Credit Scores
We may live in a high-tech world where email rules, but credit card issuers are still sending out card offers the old-fashioned way. Let's take a look at some of the more deceptive terms you might see inside of--and even on--the envelopes you find in your mail box. #1: 0% APR This is often accompanied by "Our [...]
Sure, the Credit CARD Act was a step in the right direction. We all have a little more consumer protections than we did before. But as we've seen too often, when Washington tries to fix our problems, the legislation gets watered down to the point where the language is, well, wishy-washy at best. Here are [...]
Teresa Giudice's antics as one of the Real Housewives of New Jersey captured the attention of Bravo television viewers. But she's becoming well known for the financial crisis she now faces after her husband hid millions of dollars in debt. Giudice told hosts of The View that she thought she was spending within her means. [...]
Have you ever been surprised when your FICO score dropped? Most likely, it's because you made one of the five mistakes below. Most people aren't aware of the impact some of these actions have. And what's interesting is that it appears that the higher your FICO score, the greater the drop when [...]
Categories: Credit Scores
Falling merchant fees and tight profit margins have put the squeeze on many credit card reward programs. Although most credit card issuers lure new accounts by offering special deals on reward points, the terms and conditions of reward programs give lenders ample opportunities to avoid delivering on those promises. Watch your statements for signs of [...]
Categories: Rewards Credit Cards
Very few things differentiate gas stations these days. Gas prices in most neighborhoods don't stray more than a few cents apart among competitors. One filling station might have a better convenience store, yet require a little more patience to get in and out of. In most states, "service" simply refers to whether the pumps and [...]
Have you ever wondered if you had "good credit" or "bad credit" and how creditors, such as banks, determine if you are creditworthy. If so, you are not alone. For decades the procedure most creditors have used to determine your creditworthiness or rating has been shrouded in secrecy. Fortunately, though, recent legislation in California has [...]
Categories: Credit Scores
With the soaring cost of a college education, it's getting harder and harder for students to be completely debt free when they graduate. Many students do get loans through private or federal sources but some still use their credit cards to help them make ends meet. Recently, CardRatings.com teamed up with Chef2Chef.net, a culinary community and [...]
I recently visited with J.D. Roth, founder of GetRichSlowly.org, to talk about his new book, Your Money: The Missing Manual (O��Reilly Media, 2010). If you��re struggling with financial issues, this book might be just what you need.  Q: You write a lot about money and happiness in your book. Can you explain why you think it��s [...]
Whether you��re planning a wedding or celebrating your anniversary, you know that compatibility is one of the keys to marital bliss. But many couples forget to make sure that they��re also financially compatible, especially when it comes to credit cards. Greg and Jessica of Fort Smith, Arkansas didn��t make that mistake. They��re planning to be married [...]
Not long ago, it was hard to find anyone at an airport flashing anything other than a corporate American Express card. It was also hard to find airfare under $200. Today, competition among credit card companies for frequent travelers has made perks and bonus programs commonplace. Discount travel options make it more affordable for families [...]
If you're like most American newlyweds, you'll probably budget at least $5,000 for your honeymoon. With some skill and flexibility, most of that won't have to be your own money. "Travel hacking" your honeymoon has become easier than ever, thanks to eager credit card companies and information you can look up for free online. Use [...]
Airline reward credit cards may lure you in with promises of big bonuses and double miles, but savvy consumers know to look for the fine print. In many cases, you might reap more benefits by trading your airline reward credit card for a cash back credit card.Sky-High Annual Fees on Many Airline Credit Cards Airlines and credit [...]
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