5 tips for a debt-free prom
The list of prom essentials seems endless -- young ladies need the perfect dress, a glamorous hairdo, flawless makeup, matching shoes and evening bag. Young men need a suit, shoes and a corsage for their date. Don't forget about prom tickets, dinner and transportation to the dance. According to a recent study by Visa, the [...]
Best credit cards for the annual fee
Unless you're someone who needs a specialist credit card that helps people rebuild their credit, chances are you can choose from a whole array of plastic that doesn't levy an annual fee. In fact, those fees are a somewhat rare nowadays. So why would consumers volunteer to pay for something they could get free?
Obviously, they [...]
Should you get a credit card after bankruptcy?
If you've recently had a bankruptcy discharged, your mailbox may be filling with new credit card offers.
Although it seems counterintuitive, some companies actually seek out and market their cards to recently bankrupt individuals. That may be due in part to the fact that once you've declared bankruptcy, the law limits how quickly you can [...]
Building Credit, How Cards Work
How the Target data breach made me worst mom of the year
Target's recent data breach hit a little too close to home for my family. Why?
I found myself stranded at a restaurant without a working credit card
my kids had to eat the dreaded veggie plate at school because their lunch account was frozen for nonpayment
I didn't get to read People magazine after my online magazine account [...]
ID Theft / Fraud
5 best low APR credit cards of 2017 from our partners
Even though many zero-percent-APR introductory offers have been getting longer lately, a low-interest credit card can help you prepare for an emergency expense or for a moment when you might not qualify to surf your balance interest-free. The best low APR credit card offers typically come with no annual fee and require excellent credit.
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How my mom lost $640 in credit card rewards
When I cash out my reward points, it's generally for a $50 Gap or Home Depot gift card. I don't have the patience to let it build up for years and years -- I want it now. Since I do almost all of my banking and bill paying online, I keep pretty close tabs on [...]
What type of credit card user are you?
You may not give much thought to how you use your credit card, but your issuer sure does. Credit companies know that you fit into one of three distinct credit card personality types. Here's a rundown of all three.
Type 1: the Revolver
Let's get this out of the way first -- if you're a Revolver, your [...]
Want to improve your credit score? Think like an insider
There's little doubt that Americans with higher credit scores get better deals on core consumer items like mortgages, auto loans and credit cards.
So why do so many U.S. consumers know so little about their credit scores?
According to the Consumer Federation of America, 40 percent of Americans didn't know that credit card companies use credit scores [...]
5 ways to earn that credit card sign-up bonus
If you've never had your own rewards credit card, chances are that you might be missing out. That's because, as Lauren Gensler recently pointed out in Forbes, some of the biggest banks around are trying to build their credit card customer base by reaching out to their own customers. To make the sale, writes Gensler, [...]
House of cards: 7 signs your household is too dependent on credit
In the popular Netflix series "House of Cards," Kevin Spacey plays a character who builds a career by carefully layering one deception on top of another, much like someone building a house of cards. For too many American households, the tools of deception are not playing cards but credit cards, and it is the worst [...]