Credit Cards

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Why Your Credit Card Gets Declined

Why Your Credit Card Gets Declined

Why Your Credit Card Gets Declined

It’s an embarrassing moment that you’ve likely experienced or at least feared: You’re standing at the cash register with a long line of people waiting behind you when the cashier announces that your credit card has been declined. Getting declined can be a signal that you are in real financial trouble – something that many people… Read More

Where Did Credit Cards Come From?

Where Did Credit Cards Come From?

Where Did Credit Cards Come From?

U.S. credit card spending reached $2.2 trillion in 2012, an 8.4% increase from 2011, according to an analysis by MasterCard. That’s a lot of money going back and forth by way of plastic, especially when you consider the fact that credit cards have only been around for about 50 years. Credit cards as we know… Read More

A Bill That Would Make Debit Cards as Safe as Credit Cards?

A Bill That Would Make Debit Cards as Safe as Credit Cards?

A Bill That Would Make Debit Cards as Safe as Credit Cards?

This week Sens. Mark Warner (D-Va.) and Mark Kirk (R- Ill.) introduced a bill aimed at extending consumer protections for debit card users. It’s called the Consumer Debit Card Protection Act of 2014, and the idea is to reduce shoppers’ liability for fraudulent charges made with their debit cards. There are a lot of differences… Read More

How to Pick the Perfect Credit Card

How to Pick the Perfect Credit Card

How to Pick the Perfect Credit Card

Credit cards are convenient and secure methods of payment, but they are by no means simple financial instruments. Those who are looking for a new card can be confounded by confusing terms, conditions and offers of rewards. With cardholder agreements and guides to benefits that consume dozens of pages, how much of this information is… Read More

How to Read a Credit Card Offer

How to Read a Credit Card Offer

How to Read a Credit Card Offer

Being a credit card user is a lot like being the best looking person in the room. Credit card issuers are constantly trying to get your attention online, through the mail, and even at kiosks in the airport. With so many offers to consider, how can credit card applicants figure out which one is best?… Read More

Am I Stuck With a Penalty APR on My Credit Card?

Am I Stuck With a Penalty APR on My Credit Card?

Am I Stuck With a Penalty APR on My Credit Card?

During an ice hockey game, players who make wrong moves are sent to the penalty box for a number of minutes, but at least there is a clock that tells them when their penalty ends. A credit card user who is 60 days late in making a minimum payment can have a penalty interest rate… Read More

What Is Credit Card Churning?

What Is Credit Card Churning?

What Is Credit Card Churning?

Do you ever wonder how many times you can receive a bonus just for signing up for a credit cards? Among credit card reward enthusiasts, there is a popular technique for earning large quantities of points, miles and even cash back. The strategy of applying for numerous credit cards in order to earn multiple sign-up… Read More

The Best Premium Credit Cards in America

The Best Premium Credit Cards in America

The Best Premium Credit Cards in America

Are you a power user of your credit cards? Do you maximize every feature and benefit of your cards while wearing out the magnetic strip by making charges all over town, or even the world? If so, then premium credit and charge cards that banks offer were created just for customers like you. What Makes… Read More

How to Read a Credit Card Statement

How to Read a Credit Card Statement

How to Read a Credit Card Statement

Everyone who has a credit card has one thing in common, we all receive a statement every month. Whether it is delivered electronically or by postal mail, every credit card statement follows roughly the same format. Nevertheless, there is a lot of  information presented on these statements, and it can be confusing to many credit… Read More

8 Credit Card Problems You Can Avoid

8 Credit Card Problems You Can Avoid

8 Credit Card Problems You Can Avoid

I’m almost certain you’ve received credit card offers in the mail with an alluring interest rate. Unfortunately, looks can be deceiving, because the lowest interest rates are reserved for consumers with the highest credit scores. Consumers can feel misled by these promotions, even when the credit card companies aren’t violating any laws. The CARD Act… Read More

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