Kudos!
We are proud that our articles have been published in the Sept. 2004
issue of Military Money Magazine and
the Sept. and Dec. 2004 issues of Young Money Magazine.
Both magazines are affiliated with
InCharge® Institute of America, Inc.,
a national non-profit organization specializing in personal finance education and credit counseling.
We are also pleased that several of our articles have been featured in the credit section of About.com, a top 15 Web property which
is owned by the New York Times Co, and that one of our articles was recently referenced by E/The Environmental Magazine.
 Check out our credit card news stories (updated daily)!
 New Credit Reporting Law
On December 4th, President Bush signed into law the Fair and Accurate Credit Transactions Act of 2003 (FACT), a law that updates the Fair Credit Reporting Act. While parts of the law are great for consumers, others aren’t.
Find out the details here and how the law will impact you.
(12/23/03)
Tips on How to Find a Credit Counseling Agency You Can Trust
Recent news, congressional hearings and lawsuits concerning crooks in the credit counseling industry are enough to cause concern for anyone seeking help. There are several red flags of which you should be aware when choosing a credit counseling agency.
(11/28/03)*
Fixed Rate Cards are Never Truly Fixed
Consumer alert: Tempted by a fixed APR offer? Don't let such offers fool you. The interest rates on fixed rate credit cards can and do change.
(11/21/03- orginally published on 11/11/02)
Credit Cards with Reward Programs Offering Experience Rewards
Michael McAvoy's parents dreamed up an out-of-this-world gift for his 13th birthday: five days at NASA space camp. Cost: 130,000 Diners Club rewards points.
(11/17/03)*
Form Letter for Disputing Credit Card Late Fees
Just because one of these charges shows up on your account statement doesn't mean it's correct. If your credit card company hits with a one-time charge or slaps a higher interest rate on your account because it says you were a tardy paying, don't automatically pay up. If you believe you haven't violated the terms of your credit card agreement, fight it.
(10/23/03)*
How to Get a Better Interest Rate on Your Credit Cards
In the competitive credit card industry, your card issuer wants to keep you, the existing, charging customer. Heck, you don't even have to have the best credit in the world. But you do have to request the lower rate.
(10/23/03)*
Which Credit Cards Are Better for your Credit Report?
Do certain credit cards look better on your credit report and thus improve your credit score? Scott Bilker, the author of the best-selling book "Credit Card and Debt Management", discusses this engaging topic. Includes tips on paying off credit cards.
(10/22/03)
The Best Ways to Consolidate Credit Card Debt
Read this article before you fill out another
credit card application.
Includes info. about balance transfer offers,
low rate credit card offers, and fixed rate credit card offers.
(9/24/03)
Debit Cards Lack Protection that Credit Cards Offer
Don't assume that you'll get your cash back if you're involved in a debit card dispute or fraud. Debit cards lack the consumer protection that credit cards offer.
(8/19/03 - Actually published on 7/14/03)
Department Store Cards Offering More Rewards
Major department store charge cards are offering more rewards now. While reward programs are becoming more enticing, be wary of store card interest rates.
(7/09/03)
$800 Million Overseas Credit Card Fee Judgement
A California judge has ordered Visa and MasterCard to refund $800 million in currency conversion fees (overseas credit card fees).
What does this mean to you and are you elgible for a refund?
(6/19/03 - Actually published on 4/10/03)
Debt Collector Horror Stories
Facing credit card debt collection? Learn what to do when you are late on your credit card bills. Includes links to credit card comparisons, low rate credit card offers, and low apr credit card balance transfer offers (including 0% credit card balance transfers).
(5/19/03)
Credit Report Fraud Alerts Made Easier
With one phone call, a victim of identity theft can get a fraud alert placed on all three credit reports. Good start, say consumer advocates, but more is needed.
(4/28/03)
Deciphering Credit Card Terms and Conditions
Read this article before you fill out another
credit card application. Includes info. about balance transfer offers,
0% credit card offers (zero percent APR), and variable rate credit card APR offers.
(3/27/03)
0% Credit Cards
A primer on zero percent introductory interest rate offers. Discusses what to consider when you apply for a 0% credit card balance transfer (aka low apr credit card balance transfers), no fee 0% balance transfer credit card offers, and no interest credit card comparisons.
(2/7/03)
A Guide to Improving Your Credit
Problems getting approved for a low interest rate credit card? Review our guide to improving your credit before you fill out another credit card application.
(1/14/03)
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