Credit Cards

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Discover Nixing Alternate Credit Card Number Program

Discover Nixing Alternate Credit Card Number Program

Discover Nixing Alternate Credit Card Number Program

Financial services company Discover recently announced it will discontinue its Secure Online Account Numbers program, which allows customers to generate alternate credit card numbers to use for online payments, instead of using their full account number. The explanation posted to the company’s website provides little information about the decision: “As part of our normal business practice, we… Read More

5 Credit Card Mistakes You Can Fix

5 Credit Card Mistakes You Can Fix

5 Credit Card Mistakes You Can Fix

Oops! It happens to all of us. We make a big mistake with our credit cards. These mistakes are not just embarrassing, they can be costly as well. The costs can come in the form of fees, interest charges and higher loan costs in the future due to a damaged credit history. Thankfully, your credit… Read More

Credit Cards vs. Debit Cards: What’s Safer?

Credit Cards vs. Debit Cards: What’s Safer?

Credit Cards vs. Debit Cards: What’s Safer?

The epic personal data breach at Target stores across the country was an unhappy Christmas surprise for consumers: an estimated 40 million shoppers’ account numbers were stolen by hackers. While there remain many unanswered questions—how something like this could have happened and why it took so long for Target to discover and report the crime,… Read More

Why Are Credit Limits So High in Washington, DC?

Why Are Credit Limits So High in Washington, DC?

Why Are Credit Limits So High in Washington, DC?

Making a lot of money doesn’t necessarily mean you’ll have a high credit limit, but it helps. Looking at the average credit limit per credit card account in each state, those with higher median incomes tend to have higher average credit limits. Account holders in the District of Columbia have the highest average credit limit… Read More

Can I Get a Lower Interest Rate on My Credit Cards?

Can I Get a Lower Interest Rate on My Credit Cards?

Can I Get a Lower Interest Rate on My Credit Cards?

Credit card interest can be brutal. As unsecured debts, credit cards carry interest rates that are typically higher than those of home mortgages or student loans. Further, credit card interest is not tax-deductible, unlike the interest paid on some home mortgages and student loans. So wouldn’t it be nice if you could simply ask your… Read More

Too Much Holiday Debt? Don’t Make It Worse

Too Much Holiday Debt? Don’t Make It Worse

Too Much Holiday Debt? Don’t Make It Worse

As a credit card user, your main prerogative is to steer clear of racking up high debt (especially on a high-interest card). However, if you’ve tangled yourself in a messy debt situation, there are options to simplifying what you owe, as well as how much interest you’ll accrue. By opening a low-interest balance transfer credit… Read More

How to Pick the Right Credit Card for You

How to Pick the Right Credit Card for You

How to Pick the Right Credit Card for You

Choosing a credit card can be difficult. There are dozens of issuers and hundreds of credit cards on the market. Each card has its own term, conditions, rewards, and benefits, so which ones are important to consider? Like most products, it depends on how you are going to use it and what you can get…. Read More

3 Costly Credit Card Mistakes

3 Costly Credit Card Mistakes

3 Costly Credit Card Mistakes

For those of us who use credit cards responsibly, there are lots of benefits to be had. Credit cards offer security and convenience that cash does not. But when you don’t use credit cards responsibly, you can rack up fees and easily damage your credit scores. Credit card debt is one of the biggest sources of consumer… Read More

American Express to Pay $75.7M for Credit Card Add-Ons

American Express to Pay $75.7M for Credit Card Add-Ons

American Express to Pay $75.7M for Credit Card Add-Ons

The Consumer Financial Protection Bureau and American Express announced a $75.7 million settlement Tuesday related to illegal practices associated with American Express add-on products, like payment protection and credit monitoring. The products in question have been discontinued, as have the tactics used to sell and to charge consumers for the products. Though the marketing and… Read More

5 Signs You May Need a New Credit Card

5 Signs You May Need a New Credit Card

5 Signs You May Need a New Credit Card

Americans enjoy a highly competitive market for credit cards. In fact, though we find that there are few alternatives to many services, we complain that too many credit card offers stuff our mailboxes each day. At the same time, choosing a new credit card is not the most enjoyable activity, and many cardholders remain loyal… Read More

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