Credit Cards

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5 Ways You Can Lose Your Credit Card Rewards

5 Ways You Can Lose Your Credit Card Rewards

5 Ways You Can Lose Your Credit Card Rewards

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Credit card users often save their points, miles and cash back for years with the hope of redeeming them for their well-deserved rewards. Yet in the back of their minds is... Read More

Many Customers Don’t Understand Their Credit Card Rewards

Many Customers Don’t Understand Their Credit Card Rewards

Many Customers Don’t Understand Their Credit Card Rewards

More than a third of credit card users say they are either unaware of or do not completely understand the benefits associated with their cards, according to the J.D. Power 2013 U.S. Credit Card Satisfaction Study. The study shows 59% of consumers said they completely understand their card rewards, a decrease from 66% in 2012.... Read More

Credit Cards for Sports Fans: A Closer Look

Credit Cards for Sports Fans: A Closer Look

Credit Cards for Sports Fans: A Closer Look

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Capital One Quicksilver. Disclosure: Cards from our partners are mentioned below.] Baseball is entering the pennant race, football season is about to begin and basketball and hockey teams will soon start their training camps. So now is as... Read More

Top 10 Credit Card Perks

Top 10 Credit Card Perks

Top 10 Credit Card Perks

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — The Platinum Card from American Express and Citi / AAdvantage Executive World Elite Mastercard. Disclosure: Cards from our partners are mentioned below.] Reward credit cards are a great way to earn points, miles or cash back from your spending, but they... Read More

Why You Missed Out on That Credit Card Reward Bonus

Why You Missed Out on That Credit Card Reward Bonus

Why You Missed Out on That Credit Card Reward Bonus

In the sea of cash-back credit cards out there, many will offer more than the standard 1% cash back on purchases on specific categories — including gas, drug stores and groceries. You may have signed up for one just so you can rack up the cash back on certain purchases. But if your 3% cash... Read More

Should You Use Credit Card Rewards to Pay Auto, Student Loans?

Should You Use Credit Card Rewards to Pay Auto, Student Loans?

Should You Use Credit Card Rewards to Pay Auto, Student Loans?

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] There are currently several credit cards that allow you to use your cash-back rewards to pay your mortgage. These include the Wells Fargo Home Rebate card, and all of the Citi... Read More

How Much Is a Credit Card Reward Point Worth?

How Much Is a Credit Card Reward Point Worth?

How Much Is a Credit Card Reward Point Worth?

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Capital One Venture Rewards Card. Disclosure: Cards from our partners are mentioned below.] It’s often a challenge to figure out which credit cards offer the most valuable rewards. In many cases, banks offer rewards in the form... Read More

Is That Credit Card Surcharge Illegal?

Is That Credit Card Surcharge Illegal?

Is That Credit Card Surcharge Illegal?

Have you ever been forced to pay a surcharge just to use your credit card? A recent legal settlement between credit card processors and merchants means that these charges can now be imposed by merchants, thought they’re not legal everywhere. Exceptions include payments to governments and all transactions conducted within the 10 states that have... Read More

When’s the Best Time to Apply for a Credit Card?

When’s the Best Time to Apply for a Credit Card?

When’s the Best Time to Apply for a Credit Card?

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Premier Rewards Gold Card from American Express. Disclosure: Cards from our partners are mentioned below.]  There is no doubt that Americans are bombarded by credit card offers throughout their day. These applications for new cards appear at retailers, on... Read More

Why a Stolen European Credit Card Is Worth 5 American Cards

Why a Stolen European Credit Card Is Worth 5 American Cards

Why a Stolen European Credit Card Is Worth 5 American Cards

Hackers would much rather have a European credit card than yours. The Washington Post explored why the going black market rate for American cards is about $10, and European cards about $50. There are two major reasons. The first is the difference between card technology here and in Europe. In Europe, cards carry a chip with a function... 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.

Hello, Reader!

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.

Thanks for stopping by.

- The Credit.com Editorial Team