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One quarter of credit card churners say practice isn't worth it, CardRatings survey reveals Written by Maryalene LaPonsie Credit card welcome offers are an easy way to rack up valuable points, miles or cash back. Maybe too easy as far as card issuers are concerned. Some rewards points enthusiasts have embraced a questionable practice to maximize signup bonuses. They open an account, charge only enough needed to earn the welcome bonus and then either ...
Disappearing features, new reward structures: Industry expert surveys credit card landscape Written by CardRatings.com Beverly Harzog doesn't have a crystal ball to see what credit card bonuses, perks and features issuers might create next to entice new customers, but she does have the benefit of hindsight and experience. Harzog, a credit card expert and personal finance analyst with U.S. News and World Report, has about 30 years of experience in ...
Cash back reigns supreme, travel cards lag behind, CardRatings survey finds Written by Maryalene LaPonsie Rewards credit cards are working hard to woo customers with welcome offers that award tens of thousands of bonus points or miles. However, points or miles may not be what cardholders want. Instead, most people opt for cash-back credit cards, according to a CardRatings.com survey of 1,750 credit cardholders. Nearly three out of four survey respondents ...
Survey: Cardholders unaware of money-saving credit card perks, benefits Written by Geoff Williams You've been told repeatedly: Read the fine print. Why? Because when it comes to a contract's fine print, it may not be fine at all. There may be something confusing or costly, like extra fees, hidden in a lot of legalese. But, if you're like a lot of credit cardholders, you could also be missing out on ...
Survey: Rewards, not bonuses draw credit card applicants Written by CardRatings.com Those flashy, lucrative welcome bonuses do entice people to apply for a new credit card, but a recent CardRatings survey revealed that a mega bonus isn't the primary thing people consider when applying for some of the most popular rewards cards on the market. In November and December 2018, CardRatings commissioned a survey of 200 users ...
Balance transfer credit cards 2021 comparisons Written by Brooklyn Lowery The holidays looked different this year for millions of people as the COVID-19 pandemic continued to alter plans for gatherings, celebrations and travel. According to a CardRatings survey, however, those differences didn't necessarily mean people planned to spend any less money on their gift-giving, which means you may now find yourself in a pile of ...
Study: 2018's best and worst states for credit conditions Written by Richard Barrington Some people get into credit trouble no matter where they live, but credit conditions are clearly worse in some states than in others. Do you live in a state with good or bad credit conditions? Here are some examples of how much factors that affect credit can vary:A house in New Jersey is 32 times as ...
5 credit card trends for 2018 Written by Les Masterson Credit cards usage is nearing pre-Great Recession levels as Americans feel more confident about their jobs and economy. The Consumer Financial Protection Bureau recently reported that the average credit line, number of accounts and outstanding card debt are all on the upswing. There isn't quite as much credit card debt (yet!) compared to before the recession, ...
Pay up: Americans' credit card interest payments are skyrocketing Written by Richard Barrington Americans know the holiday shopping season can be rough on their credit card balances. What makes that especially ominous this time around is that consumers entered this year's spending spree with those card balances more burdensome than ever. Between rising credit card interest rates (and they're going up again with the recent Federal Reserve interest rate ...
Study: Despite increased wages, credit card debt greater in high cost-of-living states Written by Richard Barrington Are the high prices where you live causing you to reach for your credit card just to make routine expenses or make ends meet? A new CardRatings study found that may be the case in certain high-cost areas of the country, especially in states where incomes do not adequately compensate for the cost of living. The ...

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