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What You Should Know About “Introductory” APRs

What You Should Know About “Introductory” APRs

What You Should Know About “Introductory” APRs

An introductory interest rate is often called a “teaser” rate. The promise of 0% interest for a period of time can be very enticing and might “tease” you into applying for the card. A lot of cards these days offer introductory APRs. Some credit cards are even offering them on both purchases and balance transfers. When… Read More

Shocking Credit Card Terms: USA Bank Zirconia Select

Shocking Credit Card Terms: USA Bank Zirconia Select

Shocking Credit Card Terms: USA Bank Zirconia Select

I’m one of those rare individuals (okay, geeks) who enjoys reading credit card agreements. Every once in a while I get a credit card offer that really stands out from the crowd. Yesterday, I got one in the mail that really caught my eye. Here’s where it gets tricky.  It looks like a pretty good… Read More

Visa and AmEx Say: Forget PayPal!

Visa and AmEx Say: Forget PayPal!

Visa and AmEx Say: Forget PayPal!

Let’s say you go to a garage sale and find the perfect couch. You really, really want it. But you have no cash. If you and the seller both happen to have PayPal accounts, you could arrange to pay online. But let’s say the seller has never heard of PayPal. Chances are both of you… Read More

Report: Credit Card Protection Plans Cost Lots, Offer Few Benefits

Report: Credit Card Protection Plans Cost Lots, Offer Few Benefits

Report: Credit Card Protection Plans Cost Lots, Offer Few Benefits

If you buy debt protection on your credit card, you’re probably paying too much and getting little in return. Those are the results of a study released last Friday by the Government Accountability Office into debt protection products, which credit card companies advertise as a way to protect yourself from sudden tragedies like unemployment or… Read More

Credit Card Industry Change May Not Come Soon

Credit Card Industry Change May Not Come Soon

Credit Card Industry Change May Not Come Soon

A number of different industries—cellphone manufacturers, credit card lenders, banks and service providers—will have to come to a consensus on how so-called mobile wallets, which will allow consumers to load debit or credit card information onto their smartphones, are going to work, according to a report from the New York Times. Millions of handsets across… Read More

Fed Closes More CARD Act Loopholes

Fed Closes More CARD Act Loopholes

Fed Closes More CARD Act Loopholes

Since the Credit CARD Act was signed into law on May 22, 2009, credit cards have become safer and their terms more straightforward—at least according to the Consumer Financial Protection Bureau. But regulators continue to scrutinize the industry as some creative card issuers continue looking for ways to boost their bottom line. In its final… Read More

Credit Card Q&A: What’s the Best Credit Card for a Balance Transfer?

Credit Card Q&A: What’s the Best Credit Card for a Balance Transfer?

Credit Card Q&A: What’s the Best Credit Card for a Balance Transfer?

Credit question: What’s the best credit card for a balance transfer? Answer: The answer to this question depends a great deal on your credit score. If you have excellent credit—at least a 750 FICO score—you have options for credit cards with better balance transfer terms. The Citi® Platinum Select® MasterCard® offers a zero percent introductory… Read More

Credit Card Charge Off Rate Rose in February

Credit Card Charge Off Rate Rose in February

Credit Card Charge Off Rate Rose in February

The industry-wide rate of charge offs – accounts 90 days or more behind and deemed irretrievable by lenders – rose overall for all major U.S. credit card issuers in February, according to the latest monthly statistics from Moody’s Investors Service. However, the increase, to 7.56 percent from the 7.45 percent observed in January, was not… Read More

Establishing Credit Will Be Harder For Non-Working Spouses

Establishing Credit Will Be Harder For Non-Working Spouses

Establishing Credit Will Be Harder For Non-Working Spouses

In one perhaps unintended consequence of the Credit CARD Act, it will become more difficult for non-working spouses, often women, to get credit cards on their own. The Federal Reserve Board has announced its final rule implementing the CARD Act, effective October 1, 2011, which includes guidance on the thorny issue of evaluating a credit… Read More

Credit Card Limits: Going Up or Down?

Credit Card Limits: Going Up or Down?

Credit Card Limits: Going Up or Down?

I got a pleasant surprise in my mailbox this past weekend. I received a letter from one of my card issuers giving me a credit limit increase. This was a surprise because I didn’t ask for it. To be honest, when I saw the envelope, my first thought was, “Oh, geez. This must be a notification… Read More

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