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Cardholders are a loyal bunch, according to an analysis by TransUnion which found the average consumer plans to put nearly 80% of his or her holiday expenses on one piece of plastic. This despite the fact that spending ramps up in December and the average consumer carries five cards. Putting holiday purchases on one card has some advantages. tI can prompt issuers to send “more attractive credit... Read More
Just as you can count on Christmas arriving on Dec. 25 every year, you can be sure that stores will ask you to sign up for a store credit card over the holidays. In a rush to pay for your purchases, you may not be paying much attention to the details of these offers. But you... Read More
It’s holiday season, which means you are almost certainly going to receive (and give) a plastic gift card during the next few weeks. When you (or they) try to spend it, a familiar process will occur: You will swipe the card’s magnetic stripe, even if you are shopping at a major retailer like Target or Walmart.... Read More
As another hectic holiday shopping season approaches, perhaps the biggest differences between this year and years past are that some retailers are scaling back their Black Friday events, and that shoppers may be inserting their smart-chip-equipped credit cards into a terminal, rather than swiping an old magnetic stripe. But beyond the mechanics of using credit cards... Read More
Purchasing airfare during peak holiday travel periods can be painful for your wallet. It’s even worse if you wait too long and find yourself needing holiday flights at “last-minute” prices. But you can still fly for virtually no out-of-pocket cost if you have been stashing away airline miles. Award availability can be tough on peak travel... Read More
Have you ever wondered why some credit cards have a “Member Since” date printed on the front? There are a handful of credit card issuers, notably American Express, that prefer to prominently note how long customers have held their account, but does this date matter? “The Member Since date definitely matters,” Melanie L. Backs, director of... Read More
Marriott International announced on Monday that it had agreed to buy Starwood Hotel and Resorts for $12.2 billion. The news is noteworthy in that, should it close, the deal will effectively create the world’s largest hotel company, but there is another reason that you may want to pay attention to the merger. The Starwood Preferred Guest Credit Card... Read More
Opening your wallet to pull out a certain credit card (matching rewards with purchases) can make you feel smart. But not being able to find that card — or worse, not being able to find your wallet — is an entirely different experience. During the busy holiday season, this scenario can happen more often than you think. (People... Read More
Are you a little confused about how the new chip credit cards work? In October, more stores began using credit card terminals that read smart-chip-enabled cards as part of a fraud liability shift, which strongly encouraged the use of this technology. And while the technology appears to be working somewhat smoothly at stores, many credit card users are still unsure... Read More
A lot of Americans are in credit card debt — about 39%, according to data from the Pew Charitable Trusts — and there’s a new tool that could help them pay down their credit card balances while saving money: SimplyCredit. The tool started out as a way to save on credit card interest, according to... Read More
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