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This Week in Credit News: Bluebird Is Born

This Week in Credit News: Bluebird Is Born

This Week in Credit News: Bluebird Is Born

[Disclosure: Our partners are mentioned below.] The biggest news this week revolved around a new prepaid debit card being offered by the world’s largest retailer and one of the major credit card issuers. Walmart & AmEx Team Up for Low-Cost Prepaid Card Walmart and American Express recently announced that they were going to release a... Read More

What the 2012 Election Means for Credit Card Regulations

What the 2012 Election Means for Credit Card Regulations

What the 2012 Election Means for Credit Card Regulations

When Ben and his wife went shopping for a better credit card deal, they started feeling stuck. Could they find lower rates elsewhere? With all the dizzying complexity of credit card offers and contracts, they couldn’t figure it out. “I was talking about our credit card interest rates with my wife recently and wondering if... Read More

Walmart & AmEx Team Up for Low-Cost Prepaid Card

Walmart & AmEx Team Up for Low-Cost Prepaid Card

Walmart & AmEx Team Up for Low-Cost Prepaid Card

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements.] A lot of attention has been paid to the cost of prepaid and traditional debit cards in recent years, and now the nation’s largest retail chain is partnering with a major financial institution to create a competitive entry into... Read More

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Passengers are used to hearing flight attendants give safety briefings and warn of the perils of using their smartphones below 10,000 feet. But in recent years, flight attendants have added a new in-flight announcement to their repertoire: the credit card sales pitch. It’s a bit jarring the first time you hear the pitch and see... Read More

Will Congress Cap Credit Card Swipe Fees?

Will Congress Cap Credit Card Swipe Fees?

Will Congress Cap Credit Card Swipe Fees?

While many consumers may not know it, there is a price merchants pay for accepting all debit and credit card purchases, and these have been serious points of contention in the last few years. Just one year ago, the federal government put a limit of 21 cents per purchase for every debit card transaction handled... Read More

This Week in Credit News: American Express Refunds

This Week in Credit News: American Express Refunds

This Week in Credit News: American Express Refunds

The biggest news in the financial world this week was the Consumer Financial Protection Bureau’s enforcement action with American Express. AmEx to Refund $85 Million to Consumers The CFPB announced this week that American Express would follow in the footsteps of Discover and be required to refund customers who purchased credit card products due to... Read More

AmEx to Refund $85 Million to Customers

AmEx to Refund $85 Million to Customers

AmEx to Refund $85 Million to Customers

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] American Express agreed to pay $85 million to 250,000 customers, plus another $27.5 million in fines, to settle accusations that its subsidiaries repeatedly violated consumer protection laws. The settlement, announced Monday,... Read More

New Credit Card Offers? Approach With Caution.

New Credit Card Offers? Approach With Caution.

New Credit Card Offers? Approach With Caution.

Many consumers may know that credit cards can be somewhat costly if they’re not managed correctly, but new evidence shows just how important it is to be cautious when deciding between new accounts. The value of credit card offers for new accounts, particularly those that come with rewards programs, has increased significantly in the last... Read More

Are You Getting a Refund From Discover?

Are You Getting a Refund From Discover?

Are You Getting a Refund From Discover?

In recent months, a number of lenders have had to radically change the way in which they market certain products for credit cards following a massive settlement by one major issuer. Now another such agreement has been reached with a different institution. Discover Bank, the credit card issuing arm of Discover Financial Services, recently struck... Read More

Retailers Ask Congress to Stop Swipe-Fee Settlement

Retailers Ask Congress to Stop Swipe-Fee Settlement

Retailers Ask Congress to Stop Swipe-Fee Settlement

In the past few weeks, many major retail groups have gone to some lengths to try to stop the proposed settlement between a number of complainants and the world’s two largest payment processing firms over the swipe fees the latter charged for debit and credit transactions in the last several years. Now, a number of... Read More

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Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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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.



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