This year's editor's choice awards illustrated so much of the positive change sweeping the personal finance business. With banks competing on price and service, consumers enjoy access to affordable, useful tools to manage their credit and make secure shopping decisions. Still, a handful of companies keep trying to cash in on your worst fears about [...]
I have more than a half dozen credit cards in my wallet. A new app on my iPhone, Glyph, tells me which of these credit cards to reach for to get the most rewards when I'm buying groceries, getting gas, dining at restaurants or shopping at Macy's or CVS.
At least two of the credit cards [...]
The ancient Greek tales of misfortune would have us believe that angering the gods might be the cause of all our financial woes.
However, these hubristic scenarios aren’t the plots of Greek tragedies; they’re common problems with credit card debt that plague many Americans.
Discover how our heroes might overcome their financial fate and learn something from [...]
Instead of gaining the infamous freshman 15 of extra pounds, your student has fallen prey to the Freshman $1000 by quickly running up credit card charges soon after arriving on campus. But unlike other mistakes that your student is bound to make, getting into debt and missing payments can affect his future for years to [...]
Whenever possible, we pay with credit and then pay off the balance each month to earn more rewards. I love seeing how many points and miles I've earned when I open my statement each month. But as much of a thrill as I get from getting the points, I have forgotten to cash out countless [...]
I'm often the annoying person in the checkout line who spends four minutes digging out her credit card to pay for a $1.79 soda. So when I heard that the Square Wallet app would allow me to use my smart phone to pay for purchases, I was eager to give it a try and hopefully [...]
With money still tight in many families this year, you may be considering using credit card reward points to save money while purchasing gifts for loved ones on your holiday list. But is this really a smart financial move? The answer, of course, is "It depends."
When should you use rewards points to buy holiday gifts?
Apparently, money can't buy happiness, and if you are using a credit card, that's not the only thing your money won't be able to buy. Despite the belief credit cards can take you 'everywhere you want to be' - as the old Visa slogan went - the reality is there some places where your plastic [...]
When you use your credit card to pay for groceries, your focus is likely to be how much you are paying for the items in your cart. But each time you swipe your credit card, the business you are patronizing has to pay a fee to the credit card company, called an interchange fee.
The fee [...]
Editor's Note: Thank you for your interest, these offers have expired and are no longer available.
It seems like big box stores start leaking their Black Friday sale flyers around the same time they discount leftover Halloween candy. That gives you a few weeks to work out a strategy for financing your holiday purchases. These four [...]
Quick, what's your credit score? Don't know? Don't care? You should. If you've been turned down for loans or received high interest rates from lenders, your credit may be, well, bad. The good news? You can fix it. You really can. But there's no magic formula. There are, however, some concrete steps you can take [...]
In case you hadn't noticed, there's a presidential election right around the corner and there's some lively discussion on a host of issues. Voters are inundated with information about the candidates, their families, personal spending records, and little things like unemployment, oil dependency and foreign policy.
At CardRatings.com, we decided to take a look at [...]
Zombies have haunted our nightmares for centuries. But now, we're embracing zombies in everyday culture. Shows like "The Walking Dead" and books such as "World War Z" have driven popular culture into zombie overdrive. Athletes bored with timed competition can even enter "zombie runs" where you either beat your personal best or get turned into [...]
Dina Wohlhendler isn't a very common name. So when the Brooklyn resident saw her name on another shopper's credit card at a Manhattan Best Buy, she chased the woman while shouting for help. Chase had already alerted Wohlhendler about an unauthorized purchase at Urban Outfitters, which led her to check the nearby electronics store. Surveillance [...]
Forget about what's in your wallet. The real question is: will you even need a wallet?
The latest trend in credit card payment technology is the use of mobile wallets. This innovation eliminates the plastic and turns your phone into a digital payment portal. From MasterCard to PayPal, major payment processors are jumping on the bandwagon [...]
Rent a car and one of the first questions the agent will ask is whether you want to purchase insurance coverage. If you own one of the several credit cards on the market that offer auto insurance coverage as a perk, you may want to decline this additional expense at the rental checkout counter.
When Beverly Harzog's dog needed surgery in August, she paid the $1,086 veterinary bill with her rewards credit card.
"I figured I might as well get a little bit back on it," says Harzog, a credit card expert, author and consumer advocate from Atlanta. A little she did - 1 percent cash back for $10.86.
Harzog advocates [...]
If you're a casual traveler, signing up for a hotel credit card can qualify you for upgrades and special perks usually reserved for touring rock stars. Frequent guests can cover the costs of personal trips to the kinds of resorts not usually covered under corporate travel policies. Our list of this season's best hotel credit [...]
With holiday shopping on the horizon again, many banks have shifted their marketing toward interest-free purchases and away from no fee balance transfers. The CardRatings.com team revisited 15 credit cards from our February balance transfer survey and added 8 more accounts to our watch list. Our September review of 23 balance transfer credit cards reveals [...]
There are few things in life more embarrassing than having your credit card declined, especially if you're attempting to make a purchase while you have people with you ("Hey, boss! I'll get the check!" Oops…). But before you slink away in shame, consider that there are a number of reasons your card could be declined, [...]
Here's a smart thing to do: Use your credit card rewards to save for your child's college education.
You can earn 2 percent on your purchases with the Fidelity Investments Rewards American Express credit card and the Fidelity Investments 529 College Rewards American Express credit card.
Upromise World MasterCard issued by Barclays Bank offers rewards of more [...]
High interest rates and limited rewards got you down? If you aren't pleased with your current credit card, you don't have to go to the trouble of applying for a whole new account. A credit card upgrade may be all you need.
"I upgraded my Gold Delta SkyMiles® Credit Card from American Express to a Delta [...]
According to news reports, the United States is a credit disaster. People are out of work, deeply in debt, and having their homes foreclosed. It's a grim picture.
However, that is not an accurate picture of the whole country. The fact is that credit conditions vary radically from state to state. In an exclusive analysis, CardRatings.com [...]
The annual list of best and worst states for credit conditions is based on an analysis of the unemployment rate, bankruptcy rate, foreclosure rate, average credit score and credit card delinquency rate of each state.
Here are the 2012 results:
Once marketed as havens for jet-setting executives, airport lounges now serve anyone who is willing to invest in a less stressful airport experience. If flight delays, crowded departure gates, and challenging travelers make you want to tear your hair out, a handful of travel credit cards can help you escape the fray with airport lounge [...]