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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Editor's Note: This article is an interview with Jim Randel, a nationally noted personal finance expert and author of the The Skinny On book series. College and university students wanting credit cards will soon encounter new legislation making it more difficult for them to get a card as well as more difficult for credit card issuers [...]
Changes 12/31/2007 - 10/5/2009: 2009-10-05.......13.73% 2009-09-05.......13.71% 2009-06-05.......13.72% 2009-05-05.......13.59% 2009-04-05.......13.57% 2009-03-05.......13.63% 2009-02-05.......13.67% 2009-01-05.......13.75% 2008-12-19.......13.75% 2008-11-30.......13.80% 2008-09-30.......13.77% 2008-07-30.......13.81% 2008-02-28.......14.36% 2007-12-31.......14.82%
If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? - Because financial debt is one of the main reasons that many students end up dropping out of college. - Because your college years can be some [...]
Editor's Note: This article is an interview with Craig Watts, Public Affairs Director at the Fair Isaac Corporation.There is a new sheriff in town. You may not recognize the name, FICO 08, but you should recognize its task--credit scoring. A FICO credit score is a number from 300-850 that is used by lenders and other [...]
Categories: Credit Scores
The Web has greatly enhanced the availability of helpful resources pertaining to personal finance. Online financial calculators are a perfect example of how the Web is aiding consumers in making wise choices about credit. Online calculators are becoming increasingly popular financial tools and, while calculators are quite "user-friendly", there are some tips that consumers should consider [...]
Reward credit cards are nothing new to the credit card industry. But what about reward credit cards that deposit cash-back directly into your brokerage account? The cards, called brokerage rewards credit cards, are definitely something new and the timing could not be better. Why Open a Brokerage Reward Card?The loss of home equity, marketable securities, jobs, [...]
Categories: Rewards Credit Cards
EDITOR'S NOTE:  THIS CARD IS NO LONGER AVAILABLE.  Click here for the latest offers from Discover.  Discover Card credit card has developed a new kind of teen debit card called The Current Card. Parents set up the Discover Current card account, choose parental controls, and add money to the prepaid card from various sources. Mike [...]
Rising credit card interest rates have captured the media's attention over the past few months. Even for Americans whose credit scores have not been impacted by the nation's financial crisis, sudden credit card rate hikes have caused concern. Some pundits argued that increased industry regulation could force all cardholders to pay more for their plastic. [...]
When was the last time you heard about a new and improved credit card? Probably the last time you watched television. When was the last time you received an offer to apply for a credit card? Most likely the last time you checked the mail. These days, the competitiveness of card companies works in favor of [...]
Categories: Best Credit Cards
Taking advantage of balance transfer offers to save on interest charges has been popular for many years. But considering today's economy, are they still a viable option? Many financial groups that offer credit cards, like Bank of America, have increased their balance transfer fee from 3% to 4%. Curtis Arnold, Founder of Cardratings.com and author of [...]
February....the month conjures up images up puppy love, romantic escapes, and red roses. Granted, credit cards are typically not viewed as being very romantic :) , but America's "love affair" with credit cards that offer rewards and rebates remains strong. Despite restrictions on card rewards, which seem to have grown over the years, the demand [...]
Categories: Rewards Credit Cards
Few people want to go to court, but there are times when it is necessary to preserve your rights and to fight unfair or illegal treatment. Watch out for mandatory arbitration clauses in your credit card agreements, which can prevent you from having your day in court. Over the years, the phrase "read the fine print" [...]
Several months ago Tom, a member of CreditBoards.com, filed for a Chapter 7 Bankruptcy. Now he is in the process of rebuilding his credit history. It's a task that is not easy, but with patient persistence he is seeing progress already. Daily he checks his credit score and is slowly seeing improvement.1 In addition to [...]
Credit reports contain errors on a regular basis. So, before applying for new credit or beginning your credit repair journey make sure that all of the information contained in your credit report is yours. Reasons for such mixes include: Common name. For example, a father and son who live at the same address, or who don't add Sr. [...]
Categories: Credit Report
    1. On average, how much money do you spend on gas per week?     Response Percent Response Total     $20   12.5% 165     $30   17.8% 236     $40   18.3% 243     $50   12.7% 168     $60   10.5% 139     >$60   21% 278     Other (please specify)   7.2% 96 Total Respondents   1325 (skipped this question)   2         2. Did you know there are credit cards available that offer rebates on gas?     Response Percent Response Total     Yes   69.8% 923     No   29.6% 392     Other   0.6% 8 Total Respondents   1323 (skipped this question)   4         3. Do you currently have a credit card that offers rebates on gas?     Response Percent Response Total     Yes   34.2% 451     No   65.8% 868 Total Respondents   1319 (skipped this [...]
Most consumers know that your credit score affects the credit card rates that you are eligible for. What you may not know is that if your credit score is lowered, then the interest rates on existing credit card debt could increase significantly. How? Universal Default. It's not a phrase that most are familiar with, and it's certainly [...]
How Secure are Online Credit Card Applications? Rest assured that any online applications featured on our site are secure. Card issuers take online security issues very seriously and have taken steps to insure that your private information is safe when you are applying online. It is wise to review the security and privacy policy of each [...]
Credit card balances are rising faster than consumers can pay them off. And with a high interest rate card it can be difficult to even make a dent in debt. According to Consumer Action, a non-profit, membership-based organization, a March 2004 survey revealed that only 39% of the people said they pay their credit card [...]
How does a little extra cash in your pocket sound? Maybe you could use it for a nice dinner out on your birthday, a movie night with that special someone, a rainy day shopping spree, college savings for you or your child, or even to pay down your mortgage. Keep dreaming because if you had [...]
In a world where the fate of your employment, housing, insurance rates, and ability to get a loan is often based on how good your credit score is, it is important to understand the various scoring systems and what steps to take to improve your score. It would be nice if everyone used the same credit scoring [...]
Categories: Credit Scores
Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace period for cash advances). Moreover, [...]
Do you often feel as though you must be on the lookout at every turn, because there are people out there just waiting to rip you off? I hate to be the bearer of bad news, but that might not be a bad idea. Recently, the Federal Trade Commission released the results of a Consumer Fraud Survey. [...]
Bankruptcy should always be a last resort (see our credit card debt section for bankruptcy alternatives). However, if you are determined to file bankruptcy but have not done so yet, then please take your time and don't rush the process - it is more important to ensure that all your bases are covered rather than [...]
Categories: Credit Report
Many retail stores want to offer you a line of credit. But before you sign up to get 10% off your purchase and a free umbrella, you need to understand the effect that such cards can have on your credit both good and bad. If you apply for a {fill in name of store here} credit [...]
Categories: Store Credit Cards
New changes in the FCRA (Fair Credit Reporting Act) regarding identity theft are presented here. Further detailed information can be found at the Federal Trade Commission site, http://www.ftc.gov/, under Fair Credit Reporting Act . This is just a general step-by-step guide to start the process. File Police Report: It is very important to establish time of discovery [...]
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