How to leverage a high credit score
You have spent the last few years working hard to increase your credit score. And you finally have reached the magic credit score number of at least 760. But instead of just resting on your accomplishments, take this opportunity to turn your high score into more money in your pocket. By leveraging your credit score [...]
The 60-minute credit card makeover
At least once a year, you should take a look at your credit cards and see whether you're getting the best deals you can for your spending patterns. Is that a groan I hear? Don't worry, this review won't take weeks of research, or even a day! Beverly Harzog, a credit card expert and consumer [...]
Is owning a credit card even necessary?
Most of us reach into our wallets to pull out a credit card to buy a plane ticket or a pair of shoes we found online without even thinking about it. But for millions of people without a credit card, each of these purchases isn't as simple. People opt to not have plastic in their [...]
Do online tracking tools inspire spending or saving?
According to a 2012 financial literacy survey conducted by Harris Interactive, fewer than half of Americans track their expenses as part of a monthly household budget. Researchers from Rasmussen Reports reported similar findings in their own survey, adding that many of us without personal budgets rely on credit cards or personal savings when our paychecks [...]
If I use my credit card, can I get cash back when I buy something? Will I be charged a fee?
The answer to whether you can get cash back when you buy something with a credit card actually depends on what you mean by "cash back."
While credit cards are great for a lot of things, using them as a way to put cash in your wallet right away when making a purchase at a cash [...]
Credit Card Rates / Fees, How Cards Work
Know the score: A guide to the four most popular credit scoring models
Your credit score is something every smart consumer should know, but with so many credit scoring models to choose from, it's hard to decide which to use. To help you make sense of the credit-scoring industry, we spoke with four major trackers to find out what sets them apart. Some models, like FICO, include anything [...]
Can I have a family member co-sign a credit card, so I can get an unsecured credit card?
The next time you're on a plane, listen closely to the part of the safety announcement explaining what to do if the cabin runs out of oxygen. The yellow masks will fall from the ceiling, and it's up to you to put your own mask on first before you attend to anyone else around you. [...]
Secured Credit Cards, How Cards Work
Best Valentine's Day credit card perks
Editor's Note: Thank you for your interest, these offers have expired and are no longer available.
If you are still looking for the perfect Valentine's Day present for your sweetheart, look no further than your credit card perks to express your love. But if you are wondering if using perks will diminish the gift in your [...]
Identity theft on the big screen: What can you learn from the movies?
With the upcoming release of the movie "Identity Thief," starring Jason Bateman, this all-too-common crime is once again brought into the mainstream media.
"While the movie looks very entertaining from the previews, the film also puts identity theft on the front page again and keeps the crime in the front of people's minds. This crime really [...]
ID Theft / Fraud
Automatic payments: Time saver or finance wrecker?
Paying bills is a task that most people dread. With many companies, such as utilities and cell phone companies offering a monthly automatic credit card billing option, it can be tempting to sign up for this service. But while we are all looking to save time and hassle, is this actually a smart financial move?
Tips, How Cards Work