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Financial Literacy

Types of credit cards: A comprehensive cheat sheet Written by Dawn Papandrea 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 ...
Processors vs. issuers: What consumers should know Written by Dawn Papandrea 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 ...
How long do I save my credit card statements? Written by Jennifer Goforth Gregory Now that the holidays are over and a new year has begun, many people are using the time spent indoors on chilly winter days to declutter and organize paperwork in preparation of tax season. Before you pull out the shredder, it is essential to understand what papers and statements you need to save and what ...
Can credit cards help you stay on budget? Written by Holly Johnson In the third quarter of 2013, total household indebtedness in the U.S. rose to an astonishing $11.28 trillion dollars, up 1.1 percent from the previous quarter. And, according to government data and Federal Reserve statistics, $4 billion of that increase can be attributed solely to credit card debt. So, what does this tell us? It ...
Who's in your wallet? Written by Richard Barrington When you share a credit card with someone, you are effectively giving them access to your wallet and your reputation. You need to be careful about who you grant that access to, and what they are doing with it. On behalf of CardRatings.com, survey company Op4G asked 2,000 adults about their credit cards. The answers give ...
Is debt a four-letter word or a good financial strategy? Written by Jennifer Goforth Gregory Many people assume that all debt is bad while other people have a wallet full of maxed-out credit cards. Interestingly enough, debt can be either a positive or negative, depending on the type of debt and your personal financial situation. "Unless you are independently wealthy, win the lottery or live a poor man's lifestyle by choice, ...
Plastic youth: When is it too early to give a kid a credit card? Written by Richard Barrington Kids and credit cards. Does that seem like a dangerous mix to you, or simply a normal part of the modern world? Parents have very different views on the subject. An exclusive survey of 500 parents with children under the age of 12, conducted for CardRatings.com by Op4G, found that some parents believe it's best to ...
Mother knows best: Your first personal finance teacher Written by Gwendolyn Pearce Whether they intended to or not, Mom and Dad gave you your first lesson in personal finance. Hopefully, one or both of them took an active role in teaching you about money. And let's go one further and hope that the experience was a positive one that you chose to model later in life. According to ...
Does your credit pass the stress test? Written by Lynnette Khalfani-Cox Since April is National Stress Awareness Month - and Financial Literacy Month too - now is the perfect time to identify the personal finance issues that could cause stress for you and your loved ones. Money problems of all kinds are a major source of anxiety and stress for many Americans. Anxiety and stress can lead ...
7 worst credit card habits Written by Karen Haywood Queen Likely you've done it -- lost your credit card bill under a pile of papers and by the time the bill surfaces, it's past due. Guess what: You've just committed one of the seven deadly sins of credit card use - and the costs will add up. Yes, the best credit cards are a convenient way ...

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