Credit Card Consolidation- What You Need to Know Before Consolidating Debt (Two-Part Article Series)
Libor vs Prime Rate Based Credit Card Interest Rates
How Paying Off Old Credit Card Debts Can Help Rebuild Your Credit Score
Pros and Cons of Accepting a Credit Limit Increase on Your Credit Card
Does Carrying a Balance on Credit Cards Help Your Credit Score?
Credit Cards that Offer Low Interest Rate Balance Transfers
Are Banks Double Charging Foreign Currency-Conversion Fees on Credit Card Purchases?
How to Close Old Credit Card Accounts
Credit Card Rewards That Help You Save Money For College
The Best Way to Switch Zero-Percent Introductory Rate Credit Cards
Can a Creditor Take Me to Court Over Credit Card Debt?
Getting a Home Equity Loan to Pay Off Credit Card Debt
Borrowing from Your 401K to Get Out of Credit Card Debt
How Changing Credit Cards Can Lower Your Credit Score
Dealing with Credit Card Debt After a Natural Disaster
Nonprofit Credit Counseling Agencies- Think Twice Before You Leap (Two-Part Article Series)
How to Get out of Credit Card Debt Using Self-Help Techniques (Two-Part Article Series)
How to Save 1000s of $$$ with Low Rate Credit Cards Avoiding Credit Card Debt— Preventive Medicine is Best Credit Card Binding Arbitration: When Ignorance Isn’t Bliss How to Comparison Shop for a CashBack Credit Card How to Evaluate an Airline Reward Credit Card Offer How to Avoid 0% Interest Rate Offer Pitfalls How Is a Credit Score Calculated and How Can I Improve My Credit Score? How Your Credit Card Interest Rate Can Go "Through the Roof" for No Apparent Reason How to Dispute and Correct Errors on Your Credit Report: A Step-by-Step Guide Student Credit Card Debt: A Survival Guide for Students Why Do Credit Cards Expire? Affinity Credit Cards- Using a Credit Card to Support your Favorite Charity How to Choose the Best Credit Card America's Love Affair with Credit Card Reward Programs College Students Plunge Deeper into Credit Card Debt
A Few Common Reasons for Credit Card Interest Rate (APR) Increases 
Check out our credit card news stories (updated daily)!
Consolidate! It seems to be the new fad in the world of consumer debt— the magic bullet that will effectively rid your life of all problems with credit card debt.
While consolidation can be a good thing, it has its own potential pitfalls and complexities.
(10/11/05)
I have just been informed by one of my credit card companies that they intend to base their APR on LIBOR. I can opt out of this. What would be the wise thing to do?
(10/7/05- Originally published 6/28/05)
I recently graduated from college and would like to try to fix my credit card debt. One card is in collections and one charged off. I can afford to pay this off now, but don't want to pay them if it's not going to help my credit score.
(10/7/05- Originally published 7/15/05)
You can decline the increase in the credit line. Whether or not declining the increase is the right course of action depends on you and your credit goals.
(10/7/05- Originally published 3/29/05)
If you're trying to build a strong credit history and a high credit score, you need to show lenders that you can handle credit. While it makes fiscal sense to not borrow money you don't need, it doesn't do much for your credit score.
(10/7/05- Originally published 4/13/05)
Those low-interest credit-card balance transfer offers showing up in your mailbox almost daily -- some going as low as zero-percent -- are hard to resist. But read before you leap. The fine print, that is. You could end up paying more than you would have if you'd just stayed put.
(10/7/05- Originally published 5/09/05)
Your credit card company is making a killing off the money you spend on your foreign vacation, and you might not even know it. This extra profit is called a "foreign currency-conversion fee," and you could be paying up to 3-percent extra when you make an overseas purchase with a credit card.
(10/7/05- Originally published 6/24/05)
If your credit report looks anything like mine, there are a couple of old charge cards on it. I have a couple of accounts that I haven't used in a decade.
(10/7/05- Originally published 8/03/05)
Credit card rebate programs allow parents, friends and relatives to save money for a child's college education by shopping at designated retailers. With programs such as Upromise and BabyMint, the more purchases you make, the more money gets tucked away for college.
(10/7/05- Originally published 8/11/05)
As short-term interest rates continue to head higher, it gets more and more expensive for the credit card companies to make these zero-percent balance transfer offers.
(10/7/05- Originally published 8/15/05)
They can take you to court, but they might not. When creditors review your account, they look for many things when deciding whether or not to sue.
(10/7/05- Originally published 9/06/05)
I have about $12,000 in debt and $25,000 in home equity. The number of cards and load are hurting my credit. I learned my lesson regarding debt and now have been fighting to pay these off. Should I go for the home equity line of credit, or will the interest kill me?
(10/6/05- Originally published 9/09/05)
My husband and I have about $40,000 in credit card debt, and I know that in October the minimum payments will double. I'm considering borrowing from my retirement savings to pay off some of this debt. Do you think this is wise?
(10/6/05- Originally published 9/23/05)
I am divorced, retired and living on a pension and Social Security. I have some debt on very-low-interest credit cards (0 percent, 2.9 percent) that I convert to other cards, when the promotional rates expire. This has significantly lowered my credit score. Should I refinance my home?
(10/6/05- Originally published 9/19/05)
My family is swimming in debt from two cards that have gone out of control. We were going to be late in January of this year due to a natural disaster so we wrote a letter to the company(s). They didn't work with us and our interest rates rose from 8.99 percent to 32 percent on one and 26 percent on the other.
(10/6/05- Originally published 9/16/05)
Consumer credit counseling agencies can be a lifesaver for consumers burdened by heavy debt loads, but
credit counseling isn't for everybody. Furthermore, not all credit counseling services have your best
interest at heart.
(9/27/05)
Running up credit card debt is so easy to do in our society.
Getting out of debt, on the other hand, is far from easy. This two-part article series provides
consumers with various self-help methods that can make getting out of debt achievable.
(9/21/05)
According to Consumer Action, a non-profit consumer advocacy organization, a March 2004 survey revealed that only 39% of the people said they pay their credit card balance in full each month. So if you are like 61% of everyone surveyed and carry a balance from month to month, then your number one priority for a credit card should be a low interest rate.
(8/22/05)
We all know the key to good health begins with a dose of prevention—eat right, exercise regularly, and get a good night’s sleep. Your financial health is no different. By taking a few steps of prevention today, tomorrow your finances will have a clean bill of health freeing you to live a life of opportunity rather than of difficulty.
(7/27/05)
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.
(7/15/05)
We are all inundated with cashback reward credit card offers. Getting offers is the easy part. Finding
the best offers, however, can be more challenging.
(6/1/05)
Airline reward credit cards are popular with consumers, but many consumers don't do their homework
before signing up for an airline card and, as a result, soon become disgruntled.
(5/16/05)
The low introductory interest credit card balance transfer offers, including 0% interest rate
offers,
showing up in your mailbox almost daily are hard to resist. But read before you leap. The fine print, that is. You could end up paying more than you would have if you'd just stayed put.
(5/9/05)
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.
(5/5/05)
Is your credit card company playing dirty pool? Your credit card interest rate can skyrocket for no apparent reason due to
a little known clause in many credit card agreements known as "universal default". Fortunately, there are steps that you can take to avoid
this controversial policy.
(4/8/05)
The bad news is that errors on credit reports are very common.
The good news is that you can easily correct mistakes on your credit
report by following these simple steps.
(3/18/05)
Student credit card debt is a epidemic on college campuses throughout the country. This guide offers
simple and staightforward advice from leading experts to
help students deal with this complex problem.
(3/7/05)
Credit cards, like dairy products, have expiration dates. While it's easy to understand why milk
expires, the reasons that credit cards expire are not as obvious.
(3/1/05- Originally published 2/2/05)
Affinity credit cards, which allow cardholders to support charities simply by making everyday purchases,
are growing in popularity. While using a credit card to support your favorite charity may sound peculiar,
this trend appears to gaining ground.
(2/17/05)
Choosing the right credit card can be an overwhelming process. We offer these consumer tips to help
you simplify the process with the hope that you'll find that perfect card!
(2/11/05)
Americans love freebies. It's little wonder then that rebate credit cards have "taken the country by storm".
Read this article for some good tips to consider before you join
the craze.
(Originally posted 2/1/00- Updated 2/10/05)
Bankruptcies and debt problems pile up as a new generation succumbs to the credit card trap.
(1/17/05)
Want to know when your credit card issuer can raise your rates? Read your contract, says Kevin Mukri, spokesman for the Comptroller of the Currency, which regulates national banks.
Any reason for raising your APR has to be in the contract.
(1/12/05)
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