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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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 rewards credit cards offer special deals and promotions that can help you stretch your budget, [...]
Categories: Best Credit Cards
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 [...]
Categories: Credit Scores
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 [...]
Categories: Best Credit Cards
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. Insurance perks "It's [...]
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 [...]
Categories: Rewards Credit Cards
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 [...]
Categories: Best Credit Cards
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 [...]
Categories: Rewards Credit Cards
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 [...]
Categories: Credit Scores
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: Rank State 1. North Dakota 2. Vermont 3. South Dakota 4. Montana 5. Iowa 6. Nebraska 7. Wyoming 8. Hawaii 9. Minnesota 10. Alaska 11 Maine 12 (tie). Kansas 12 (tie). Massachusetts 14. New Hampshire 15. Pennsylvania 16 (tie). Connecticut 16 (tie). Virginia 18 (tie). West Virginia 18 (tie). Wisconsin 20. New York 21. Washington 22. Utah 23. Oklahoma 24 (tie). Maryland 24 (tie). New Jersey 26. Oregon 27. New Mexico 28. Rhode Island 29. Missouri 30. Idaho 31. Texas 32. Kentucky 33. North [...]
Categories: Credit Scores
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 [...]
Categories: Airline Credit Cards
Pay for your everyday purchases with a plain vanilla debit or credit card, and you could be leaving as much as 6 percent of your household budget in the cashier’s till each month. Our survey of the market’s best cash back credit cards reminds us that you can earn some significant rebates, just by focusing [...]
You've gotten yourself into some financial trouble - overspending when work is slow or nonexistent. You are hoping to negotiate with your credit card issuer to give you some wiggle room with those monthly payments. Go for it, says Mike Sullivan, director of education for Take Charge America, a non-profit credit counseling organization in Phoenix. "I [...]
Categories: Top Articles
Although ticket prices and associated fees have crept higher over the past few years, the right airline credit card can save you enough cash to offset the cost of air travel. Three of today's best travel credit cards offer bonus perks that can make your next trip relaxing and rewarding. Virgin America Visa Signature from Barclaycard [...]
Categories: Top Articles
It's cool to be a geek these days. It's even cooler when your geekdom saves you money and lets you live a more lavish lifestyle. (Even if that just means you can bump up to three Netflix DVDs out at a time instead of two.) Comparing rates and fees online doesn't make you a credit [...]
Categories: Top Articles
Using a credit or charge card when you travel is easy and secure, and you can see everything you spent in one place when you get your monthly statement. But when that statement arrives, you may be shocked to see an extra 3 percent added to each purchase you made in a foreign currency. This is [...]
Categories: Top Articles
Signup bonuses and rewards points aren’t the only ways today’s best credit cards pay for themselves. Customers who qualify for “elite,” “platinum,” and “signature” credit cards often earn extra perks that can save time while eliminating common expenses. Repaid baggage fees American travelers have grudgingly grown accustomed to paying for checked bags on flights. While many airlines [...]
Categories: Top Articles
Even casual sports fans can’t resist the lure of the Summer Games. The 2012 London Olympics will feature an eclectic group of accomplished athletes from all over the world. Yet, unlike major league superstars, spectators won’t know most of their names. The CardRatings.com research team decided to mash up some of today’s most promising credit [...]
Categories: Top Articles
Though few consumers make truly outrageous purchases at the spur of the moment, credit cards offer security for big ticket spending. Likewise, many retailers prefer to handle large transactions with help from credit card issuers' fraud prevention programs. Five of the world's most outrageous credit card purchases illustrate some extreme spending: A single bottle of beer, for half [...]
Categories: Top Articles
When Matt Jabs compared the interest rates on his three credit cards and auto loan with those offered through a popular peer-to-peer lending site, it was a no-brainer to use the service. "All were at a higher interest than the interest rate through Lending Club," he said. "It also simplified my repayments." As the founder of websites [...]
Categories: Credit Card Debt
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