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Jason Steele

Contributor |  In Credit Cards, Personal Finance

Jason Steele has been writing about credit cards and personal finance since 2008, poring through the terms and conditions of credit card agreements to understand the minutiae of how these products work. His work has appeared on Yahoo, MSN, HuffingtonPost and other major news outlets. In his free time, Jason’s a commercial pilot. He graduated from the University of Delaware with a degree in History.

What Is Credit Card Surfing?

Credit Cards

What Is Credit Card Surfing?

What Is Credit Card Surfing?

Twenty years ago, the phrase “surfing the web” became a popular way of describing how millions of Americans were starting to use the Internet by quickly browsing from one website to another. Today, this is pretty much how we all use our computers and even smartphones. Lately, the term “credit card surfing” is becoming a... Read More

Help! I Can’t Pay My Credit Card This Month

Credit Cards

Help! I Can’t Pay My Credit Card This Month

Help! I Can’t Pay My Credit Card This Month

When you’re not sure if you can pay your credit card bill each month, it can be excruciating just to look at your statement. When this happens, your total outstanding balance will jump out at you, and even the amount of your minimum payment can cause your pulse to race. If you are having trouble... Read More

5 Credit Cards Worth Writing Home About

Credit Cards

5 Credit Cards Worth Writing Home About

5 Credit Cards Worth Writing Home About

Americans are constantly being astounded by the promise of innovative new products such as self-driving cars, wearable electronics and virtual assistants that you can speak with. But truth be told, the credit card industry is not always the most innovative segment of the economy. Credit card issuers tend to release new products frequently, but many... Read More

How Fast Can I Get a New Credit Card?

Credit Cards

How Fast Can I Get a New Credit Card?

How Fast Can I Get a New Credit Card?

You’ve found the perfect credit card and have been approved, but now the wait begins for it to actually arrive in the mail. Perhaps you are in a hurry to earn a great sign-up bonus, or you just want to utilize its travel benefits on your next trip, so it’s important to have an idea of... Read More

4 Credit Cards for Business Travelers

Credit Cards

4 Credit Cards for Business Travelers

4 Credit Cards for Business Travelers

Business travel can be an exhausting way of life, as you can spend hours each week waiting in line at airports, hotels and rental car counters. The more time you spend waiting around, the more important it becomes to find some way to streamline the experience and save valuable time. Thankfully, the right credit card... Read More

3 Credit Cards That Don’t Charge Late Fees

Credit Cards

3 Credit Cards That Don’t Charge Late Fees

3 Credit Cards That Don’t Charge Late Fees

If you think credit card interest rates are high, then you should take a moment to calculate the effective interest rate of a late fee. Federal law caps late fees at $27 for the first late payment and forbids these fees from exceeding the amount of the minimum payment. But if you were assessed a... Read More

What Exactly Is a Charge Card?

Credit Cards

What Exactly Is a Charge Card?

What Exactly Is a Charge Card?

Charge cards are kind of like a cousin to the standard credit card. These payment cards evolved from systems that allowed customers to “run a tab” at retailers. Today, some charge cards are still offered as an alternative to traditional credit cards, but you may still be wondering exactly what they are. Here’s what you should... Read More

7 Times You Shouldn’t Use Your Credit Card

Credit Cards

7 Times You Shouldn’t Use Your Credit Card

7 Times You Shouldn’t Use Your Credit Card

There are many great reasons that you might choose to use your credit card rather than other forms of payment. Credit cards can offer valuable rewards in the form of points, miles and cash back, and allow you to finance purchases over time. In addition, credit cards come with robust legal protections against fraudulent charges... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

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- The Credit.com Editorial Team