Credit Cards

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Big Credit Card Sign-Up Bonuses Are Here to Stay … for Now

Big Credit Card Sign-Up Bonuses Are Here to Stay … for Now

Big Credit Card Sign-Up Bonuses Are Here to Stay … for Now

Banks market their travel rewards credit cards using billboards, junk mail, and even by having flight attendants hand out applications on the plane. And their most popular, eye-catching offer is for a “free flight” or some other large sign-up bonus. Recently, executives from five of the largest banks got together to discuss credit card rewards... Read More

More Consumers Getting Credit Line Increases, But for Smaller Amounts

More Consumers Getting Credit Line Increases, But for Smaller Amounts

More Consumers Getting Credit Line Increases, But for Smaller Amounts

In the past several years, consumers have become more conservative in how they use credit, but now the number of people who are getting access to more credit is growing. The percentage of people who saw increases in their existing lines of credit rose substantially from April to October of last year, and is now... Read More

Why Your Next Credit Card Rewards Trip Will Cost More

Why Your Next Credit Card Rewards Trip Will Cost More

Why Your Next Credit Card Rewards Trip Will Cost More

Two men crash their cars in accidents while driving home from work. One man returns home embarrassed to tell his wife that he wrecked the car. The other man, who happens to be in charge of an airline frequent flier program, greets his wife with enthusiasm. “Guess what honey,” he exclaims, “I implemented a major... Read More

Credit Card Use Dipped in March

Credit Card Use Dipped in March

Credit Card Use Dipped in March

Consumers nationwide have changed their general attitudes toward debt since the end of the recent recession, and while many continue to take on certain types of credit, they have largely been able to reduce their credit card balances significantly. The trend of falling credit card debt had not been observed in the few months prior... Read More

Credit Continues to Thaw, Slowly

Credit Continues to Thaw, Slowly

Credit Continues to Thaw, Slowly

Even though the economy has been on the mend for some time now, it hasn’t been easy for consumers with even good credit scores to obtain the kind of financing they want. However, it looks like banks are becoming more willing to lend now. Credit conditions are becoming slightly easier for a number of popular... Read More

The Future of Credit Cards

The Future of Credit Cards

The Future of Credit Cards

At a recent conference devoted to travel and credit card rewards, executives from Chase, Barclaycard, US Bank, Capital One and American Express were on hand to share their views on the future of credit cards — and there was a broad consensus on where the industry is going in the next few years. Four Biggest... Read More

New Rule Re-Opens Credit to Stay-At-Home Parents

New Rule Re-Opens Credit to Stay-At-Home Parents

New Rule Re-Opens Credit to Stay-At-Home Parents

While the Credit Card Accountability, Responsibility and Disclosure Act was designed to help protect consumers from potential problems related to those accounts, one aspect of it actually created some for a large portion of the population. Now, a new rule has been put into place to remediate that issue. The CARD Act mandated that consumers had to... Read More

Hotel Rewards Credit Cards: How to Pick One

Hotel Rewards Credit Cards: How to Pick One

Hotel Rewards Credit Cards: How to Pick One

Redeeming frequent flier miles has become so frustrating that many rewards card holders now look to hotel cards to earn the most valuable rewards. Lodging is a large travel expense, and hotel programs generally offer awards with fewer blackout dates and capacity controls than airline programs. However, many hotel programs have recently devalued their programs... Read More

The Best Cash Rewards Credit Cards in America

The Best Cash Rewards Credit Cards in America

The Best Cash Rewards Credit Cards in America

This month, in our Best Credit Cards In America series, we look at the best cash rewards cards. Cash-back rewards have many advantages over receiving points or miles. Unlike airline miles and hotel points, cash rewards are easy to redeem and can be used to pay any expense. In addition, all the points and miles... Read More

4 Summer Trips Your Credit Card Rewards Could Pay For

4 Summer Trips Your Credit Card Rewards Could Pay For

4 Summer Trips Your Credit Card Rewards Could Pay For

As the nation thaws out from a long winter, rewards credit card users begin contemplating using their points and miles to make summer travel plans. And while travelers with the most foresight may have already booked their summer travel last year, others are just now getting around to it. Here are four of the top... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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