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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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Momentum keeps building for the credit card industry. Americans' revolving balances have crept to their highest levels since 2009, according to the Federal Reserve. Suze Orman and other market watchers have predicted a rise in the prime rate that could send APRs higher over the next year. Meanwhile, banks continue to balance their lending portfolios [...]
Categories: Best Credit Cards
Do you wish you and your family had leaner bodies and fatter wallets? You might think accomplishing either one of those would involve a lot of grueling work, but that's not always the case. The good news is that making some simple changes in your life can improve both your physical and financial health. Here are [...]
Foodies often drop some serious cash on the highest-quality specialty ingredients and meals at the finest restaurants in town. But, did you know that epicureans can actually boost their foodie budgets with smart credit card usage? And, according to the rewards experts, they can not only save on food they were going to buy anyway, [...]
There's a reason why so many entrepreneurs apply for credit cards designed specifically for business: These business credit cards often come with lucrative rewards programs. And because many business owners use their credit cards to buy a steady stream of costly equipment and supplies, they can quickly rack up the points they need to qualify [...]
Categories: Business Credit Cards
Anyone who has found themselves struggling to pay off the balance of a credit card with a steep interest rate is going to be tempted by the chance to relieve some of the pressure by lowering the interest rate, or going interest free, with a new balance-transfer credit card. But is it really that simple? Not [...]
Your bank or credit union offers "smart" credit cards embedded with an EMV chip. Banks tout these microchip-equipped cards as being more secure, boasting the technology to reduce unauthorized purchases and counterfeit credit cards. And when you travel across the globe? Merchants might not accept your standard magnetic-strip-powered U.S. credit card. But they will gladly [...]
According to researchers at the National Retail Federation, American shoppers typically spend more than $500 each on gifts during the holiday season. Count all holiday items, like decorations, festive clothing, and party snacks, and that number rises well above $700. Add up everyone in your household with their own shopping lists, and your year-end spending [...]
Categories: Best Credit Cards
Credit cards are a great financial tool, but they can be hazardous if misused. CardRatings and OP4G recently asked 2,000 Americans (ages 25 and older) about their biggest credit card fears. Read on to learn more about these fears and how to face them. Overspending Overspending was a top fear in our survey, with 28.69 percent of [...]
Categories: CardRatings Polls
Choosing the best credit cards for your wallet is a strategic way to save money, score perks, and build a strong credit profile. But like most things these days, consumers have a ton of choices when it comes to plastic preferences, which is why it's important to evaluate your options. "People don't realize how much credit [...]
Categories: Financial Literacy
Business credit cards can allow the owners of businesses both large and small to quickly generate rewards points, which they can turn into free airline miles or large cash-back bonuses. These credit cards can also come with higher credit limits, a tool that cash-strapped owners can use to purchase needed equipment and supplies to help [...]
Categories: Business Credit Cards
In "The Millionaire Next Door," authors Thomas Stanley and William Danko reveal how America's wealthiest individuals don't always look like millionaires. Nor do they necessarily spend very much of the money in their bank accounts. Banks use luxury credit card perks to add value for customers with big balances, so they won't transfer those funds [...]
Categories: Best Credit Cards
Do you have credit card debt? You're hardly alone if you do. A September 2014 report from the Federal Reserve reveals 38.1 percent of American families were carrying forward card balances last year. If the amounts involved are small, this needn't bother you much, but they can be a real burden if they start to [...]
How is the economy doing? It depends on where you look. In some states, people are practically choking on credit problems, while in others, serious financial difficulties are relatively rare. For example, more than one out of every 500 homes in Florida is in foreclosure, while foreclosures are virtually unheard of in North Dakota. Similar differences [...]
Categories: Credit Scores
If you use your reward credit cards wisely, you can double and, in some cases, even triple your rewards quickly and without spending more. Here are five ways you can make your rewards work for you. Follow which categories offer bonus rewards Lots of rewards credit cards offer bonuses for rotating categories throughout the year. "Some of the [...]
Categories: Rewards Credit Cards
According to data collected by the U.S. Energy Information Administration, the typical American household spends close to $3,000 each year on gasoline. That's just under 4 percent of the average pretax household income. Fortunately, with the right gas rewards credit card, you can earn some of that back each year in rebates or statement credits. Retail-branded [...]
Categories: Best Credit Cards
How can you earn extra cash-back rewards or airline miles simply for making purchases online? By using an online shopping portal, of course. The Chase Ultimate Rewards Shopping Mall, Discover's ShopDiscover.com and Bank of America's World Points Mall are three of the biggest players in the click-through online shopping game. By offering customers additional cash-back rebates [...]
Categories: Rewards Credit Cards
What do you do if you've been the victim of a data breach, and your personal or account information has fallen into the hands of criminals? That's not as theoretical a question as you might hope. Some 41 percent of American consumers have experienced just card fraud -- let alone other losses -- in the [...]
Military families have many worries that other families do not have. And a recent study from National Federation of Credit Counseling of active duty military personnel showed that military families have one more worry on their plate -- financial instability. The survey showed the 77 percent of respondents have financial worries and 55 percent feel [...]
Categories: Financial Literacy
Believe it or not, whenever you use your credit card, there is a lot going on behind the scenes of each transaction. While a lot of it might seem as exciting as reading a legal document, it does benefit you as a consumer to understand the major players involved in your financial business. Here, we break [...]
Categories: Financial Literacy
Although we celebrate college life as a relatively safe place to survive poor decisions, a blemish on your credit history can actually cause more damage than a drunken, late night tattoo. That's because the relationship you build with banks during the first few years of your adult life directly impact the kinds of job offers you'll [...]
Categories: Best Credit Cards
Many people use the terms credit score and credit report interchangeably. Everyone from journalists to consumers often refer to a credit score when they mean credit report and vice versa. Credit reports and credit scores contain different information, are used for different purposes and are accessed by different companies. What is the difference between a credit [...]
Categories: Credit Scores
It's hot. The laundry room is filled with towels from afternoons at the pool. My current goal is to see how many meals I can cook on the grill and not turn on the oven. And my days are filled with trying to stay in our air-conditioned home as much as possible and entertain children [...]
It can happen in an instant. Employees at your local department store, repair shop or supermarket just have to turn their backs to you for a fraction of a second to swipe your credit card with skimmers connected to their belts. Once they do, they have your credit card information. They can then do with [...]
Is your mail carrier experiencing back pain as a result of hefting your monthly credit card statements into your mailbox? No? Well count yourself lucky. A recent poll commissioned by CardRatings.com reveals roughly one in seven Americans saying they're unable to go more than 24 hours without using their credit cards. And that's more than [...]
Categories: CardRatings Polls
When credit cards emerged as a viable replacement for cash in the middle of the 20th century, travelers had already developed an elaborate ritual for overseas visits. If you planned ahead, you could order foreign notes from your bank. Otherwise, companies like American Express could issue travelers' checks in foreign currency. Last minute travelers often [...]
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