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Featured Articles

In case of my death, is there anything out there that would pay off my loans and credit card debt?

The answer to your question really depends on your personal situation, and will require specific advice from an estate planning attorney. Although some credit card issuers offer payment protection plans, their benefits often apply to job loss or disability, not for death. When you die, your estate becomes responsible for paying any debts outstanding to your [...]

Categories: How Cards Work , Credit Card Debt Help
Do you need a job for a credit card?

Ever since lawmakers passed the Credit CARD Act of 2009, regulators have required banks to only issue credit to borrowers with a demonstrated ability to repay. For most of us, that means reporting income from a job. However, thanks to a recent clarification of those rules, more Americans can qualify for credit cards, even without [...]

Categories: How Cards Work , Credit Card Approval
Co-signing a loan? Better be aware of the consequences

So you have excellent credit? Good for you. A credit score of 700-and-above makes it easier and less expensive for you to buy a home, lease a car, start a business, or obtain any other type of financial credit. But you can degrade or even ruin that credit -- or take a big hit in the pocketbook [...]

Categories: Building Credit
Danger ahead: 5 warning signs that won't show up on your credit report

Americans are obsessed with protecting our credit scores, and many of us will go to great length to keep that number as high as possible. But even financial behaviors that don't directly affect your credit score can be a red flag that you are headed towards serious financial issues. Liz Weston, personal finance expert and author [...]

Categories: Credit Report
Benefits of credit cards for stay-at-home spouses

Just because you can get a credit card, should you? It's a question that popped into my mind while reading about a recent rule change adopted by the Consumer Financial Protection Bureau. The new rule addresses a provision of the CARD Act that effectively blocked stay-at-house spouses from obtaining new credit cards. Under the act, credit [...]

Categories: How Cards Work , Credit Card Laws
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: How Cards Work , Credit Card Approval
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: How Cards Work , Credit Card Debt Help
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: How Cards Work , Other
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
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