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Featured Articles

5 ways to use credit cards to avoid the holiday rush

While Christmas may seem months away, holiday songs will be playing on the radio and the malls will be transformed with decorations before you know it. Start researching and shopping for holiday gifts now and you can take full advantage of your credit card's perks. Here are five tips to help you avoid the holiday rush [...]

Categories: Tips
6 secrets to managing multiple credit cards

For Louis DeNicola, it started in college with a student Visa credit card. That was followed by two store cards. Then came the realization that credit card rewards points could hold the key to free travel. One free flight to Europe and a couple free hotel stays later, the New York City resident was hooked. Today, [...]

Categories: How Cards Work , Tips
Who's in your wallet?

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 [...]

Categories: How Cards Work , Financial Literacy
What's a credit builder loan?

Looking for a quick way to re-activate or build credit without a credit card? Consider a credit builder loan. "A credit builder loan is actually a loan. It just happens to have the by-product of helping to establish or re-establish credit," says John Ulzheimer, credit expert at CreditSesame.com. "You might pay $100, $95, $75 a month, [...]

Categories: Building Credit
Is debt a four-letter word or a good financial strategy?

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, [...]

Categories: Financial Literacy
Sworn off credit cards? It could hurt your credit

Up until age 40, Ian Levinson had credit. "I had credit cards and I maintained perfect credit on credit cards for personal and business use," says Levinson, who owns Cloud House Pottery in Delray Beach, Fla. Levinson, who grew up in Southern California, opened a new bank account after moving to Sedona, Ariz., in 2006. He used a [...]

Categories: Building Credit
Before picking up the phone to ask for a credit limit increase...

Some people assume that a credit limit increase will hurt their credit score. Some people only request an increase when they have charged up to their limit, while others will contact their credit card company for an increase without giving it a second thought. There are many misconceptions about the reasons to ask for a [...]

Categories: How Cards Work , Tips
Can your credit card save you in an emergency?

Can your credit card be a financial lifesaver? You bet. In fact, there are myriad situations where your plastic can bail you out. Whether it's using a card to pay for car repairs when out of town, or saving you from onerous merchandise warranty fees, your credit card can fix a financial problem -- and fast [...]

Categories: Tips
My credit card was stolen, but it's still in my wallet!

I am positive that I had a puzzled expression on my face as I looked at my online credit card statement. I was relatively certain that I hadn't bought Farmville credits for Facebook or registered for an online genealogy website. And I was positive that I hadn't recently purchased a pre-designed website. But what had [...]

Categories: ID Theft / Fraud
5 ways to get the best rate when traveling abroad

Your flight overseas has been booked for months, you drafted the perfect itinerary for your dream trip, and you have even brought your suitcase down from attic to start packing. But many travelers miss an important step in planning an overseas trip -- determining the most cost-effective way to pay for expenses and access cash [...]

Categories: Travel Cards
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