What does variable APR mean?
Variable APR means that the annual percentage rate on your credit card can change over time. Don't worry, though. Banks can't just adjust your rates without notice or beyond reason. A complex set of rules governs how much you'll pay in finance charges on your outstanding balance.
Banks base your APR on a prime lending rate, [...]
Credit Card Rates / Fees, How Cards Work
Bad credit? Time for tough love and no excuses
Quick, what's your credit score? Don't know? Don't care? You should. If you've been turned down for loans or received high interest rates from lenders, your credit may be, well, bad. The good news? You can fix it. You really can. But there's no magic formula. There are, however, some concrete steps you can take [...]
6 steps to protect your financial self
Dina Wohlhendler isn't a very common name. So when the Brooklyn resident saw her name on another shopper's credit card at a Manhattan Best Buy, she chased the woman while shouting for help. Chase had already alerted Wohlhendler about an unauthorized purchase at Urban Outfitters, which led her to check the nearby electronics store. Surveillance [...]
ID Theft / Fraud
Good-bye plastic, hello phone: Mobile wallets on the rise
Forget about what's in your wallet. The real question is: will you even need a wallet?
The latest trend in credit card payment technology is the use of mobile wallets. This innovation eliminates the plastic and turns your phone into a digital payment portal. From MasterCard to PayPal, major payment processors are jumping on the bandwagon [...]
You've got a green light for car rental coverage
Rent a car and one of the first questions the agent will ask is whether you want to purchase insurance coverage. If you own one of the several credit cards on the market that offer auto insurance coverage as a perk, you may want to decline this additional expense at the rental checkout counter.
Rewards roulette: can you pay all your bills with your credit card?
When Beverly Harzog's dog needed surgery in August, she paid the $1,086 veterinary bill with her rewards credit card.
"I figured I might as well get a little bit back on it," says Harzog, a credit card expert, author and consumer advocate from Atlanta. A little she did - 1 percent cash back for $10.86.
Harzog advocates [...]
Best hotel credit cards of 2017 from our partners
Whether you're a road warrior business traveler or an occasional traveler interested in annual trips with your family, hotel rewards cards can help you stretch your dollar.
The good news is there is a hotel rewards card for just about everyone &ndash whether you're a loyal customer of a particular hotel, you use your credit card [...]
Retail rejection: Top six reasons your credit card was declined
There are few things in life more embarrassing than having your credit card declined, especially if you're attempting to make a purchase while you have people with you ("Hey, boss! I'll get the check!" Oops…). But before you slink away in shame, consider that there are a number of reasons your card could be declined, [...]
Tips, How Cards Work
Is it time to upgrade your credit card?
High interest rates and limited rewards got you down? If you aren't pleased with your current credit card, you don't have to go to the trouble of applying for a whole new account. A credit card upgrade may be all you need.
"I upgraded my Gold Delta SkyMiles® Credit Card from American Express to a Delta [...]
Tips, How Cards Work
Best credit cards for airport lounge access from our partners
Sitting and waiting at a bustling, noisy gate just adds insult to the injury of learning your flight has been delayed. It's moments like this that the longing for the oasis of a quiet retreat set apart from the hubbub of the general airport rises in your mind like a mirage in the middle of [...]