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Featured Articles

Can I have more than one credit card from the same bank?

Yes, you can have more than one card from a single issuer. However, the extra account carries both pros and cons. A few situations could warrant opening a second (or third) credit card with the same bank. For instance, you may have started a relationship with your bank at a time when you only qualified for [...]

Categories: Credit Card Approval, How Cards Work
Plastic youth: When is it too early to give a kid a credit card?

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 [...]

Categories: Financial Literacy
If my wife has her own credit card debt and she stops paying does it affect me?

Your wife's decision to stop paying at least part of her monthly minimum credit card payment will affect you, but probably not in the ways you might think. First, the immediate impact on your personal credit score depends on whether your wife has listed you as an authorized user on any of her accounts. Some couples [...]

Categories: Credit Card Debt Help, How Cards Work
Use your credit card without actually using your credit card

The latest trend in credit cards may have you forgetting your cards completely. The next big thing seems to be the movement toward card-less payment methods. Rather than search your wallet for your best credit card, you may only need to scan your phone, or your fingers, to make purchases in the future. Mobile wallets - [...]

Categories: Other, How Cards Work
Mother knows best: Your first personal finance teacher

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 [...]

Categories: Financial Literacy
Credit monitoring: prescription or placebo?

Identity fraud has become so widespread, it seems hardly anyone is immune to it.  Recently, the Federal Trade Commission found 5 percent of identity theft cases are targeting children, while the Carnegie Mellon Cy Lab noted that in over half those cases (54 percent), the child was younger than 14. Adults themselves are no stranger to [...]

Categories: Credit Report
Can you explain what the prime interest rate is and how it affects my credit cards?

When you hear journalists or credit card companies talk about the "prime rate," they're talking about the annual percentage rate that banks charge their very best customers when they need to borrow money. Those banks' very best customers aren't consumers like you or me, though. They're other banks. Don't worry, though. Your bank's not trying to [...]

Categories: Credit Card Rates / Fees, How Cards Work
Should you pay for your wedding with plastic?

Gonna get married? The average wedding these days costs more than $28,000, according to TheKnot.com and WeddingChannel.com's annual survey. Between the wedding and the reception, it can add up to a big chunk of change. While moms and dads are likely to help, you still could end up paying for a good deal of your big [...]

Categories: Rewards Cards
The dos and don'ts of maximizing credit card rewards

Free trips, free stuff and cheap gas. You know you can get it, and you want it. That's perfectly understandable, and it may be why you signed up for a particular credit card in the first place. But as many long-time credit card holders know, just because you have a credit card that offers rewards, it [...]

Categories: Rewards Cards
How do I know if my credit card does that?

We've all heard about the platinum cards with VIP benefits. And most of us know how to play the credit card and airline miles game. But you most likely have a credit card right now in your wallet with perks and benefits available that you are not using. Many cards available with no annual fee [...]

Categories: Rewards Cards
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