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Featured Articles

Using Square Wallet: Mobile wallets that stay in your back pocket

I'm often the annoying person in the checkout line who spends four minutes digging out her credit card to pay for a $1.79 soda. So when I heard that the Square Wallet app would allow me to use my smart phone to pay for purchases, I was eager to give it a try and hopefully [...]

Categories: Tips
Should you redeem your points to pay for gifts?

With money still tight in many families this year, you may be considering using rewards credit cards to save money while purchasing gifts for loved ones on your holiday list. But is this really a smart financial move? The answer, of course, is "It depends." When should you use rewards points to buy holiday gifts? If you [...]

Categories: Rewards Cards
Put away the plastic: 10 things credit cards can't buy

Apparently, money can't buy happiness, and if you are using a credit card, that's not the only thing your money won't be able to buy. Despite the belief credit cards can take you 'everywhere you want to be' - as the old Visa slogan went - the reality is there some places where your plastic [...]

Categories: Tips
How will the Visa and MasterCard merchant settlement affect you?

When you use your credit card to pay for groceries, your focus is likely to be how much you are paying for the items in your cart. But each time you swipe your credit card, the business you are patronizing has to pay a fee to the credit card company, called an interchange fee. The fee [...]

Categories: Legislation, How Cards Work
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, [...]

Categories: 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 [...]

Categories: Credit Scores
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 [...]

Categories: 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 [...]

Categories: Tips
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. Insurance perks "It's [...]

Categories: Tips
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 [...]

Categories: Rewards Cards
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