Credit Cards

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How to Transfer a Credit Card Balance

How to Transfer a Credit Card Balance

How to Transfer a Credit Card Balance

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all. While it’s not inherently complex to transfer a credit card balance, there... Read More

How to Live Within Your Means on Credit Cards

How to Live Within Your Means on Credit Cards

How to Live Within Your Means on Credit Cards

You’ve seen the warnings that consumers spend more when they use plastic as opposed to cash. But is it still possible to live within your means and still use credit cards? “Absolutely,” says Mikelann Valterra, a money coach and founder of MoneyMinder online spending tracker. “If they track their (credit card) purchases in their financial... Read More

Lenders Still Struggling to Comply With CARD Act

Lenders Still Struggling to Comply With CARD Act

Lenders Still Struggling to Comply With CARD Act

The Credit Card Accountability, Responsibility and Disclosure Act has been in place for some time now, but there have been many regulatory changes made since it was first put into effect. Those issues, plus others, have a number of major financial institutions saying they’re still struggling to remain in compliance with the consumer protection law’s rules. At a... Read More

Coming Soon: The Next Generation of Credit Cards

Coming Soon: The Next Generation of Credit Cards

Coming Soon: The Next Generation of Credit Cards

In recent years, a number of new credit card technologies have come to light in the U.S., and several were called the wave of the future. However, it seems that those containing built-in microchips — known as EMV cards — will be the first to catch on en masse with plastic issuers. EMV cards are already used... Read More

The Best Travel Rewards Credit Cards in America

The Best Travel Rewards Credit Cards in America

The Best Travel Rewards Credit Cards in America

We are all familiar with credit cards that offer rewards in the form of airline miles, as they are some of the oldest and most popular reward cards on the market. Later, hotels offered similar products that rewarded customers with points in their loyalty programs. Although we have awarded Best Credit Card in America honors... Read More

Small Businesses Prefer Checks, Cash Over Credit Cards

Small Businesses Prefer Checks, Cash Over Credit Cards

Small Businesses Prefer Checks, Cash Over Credit Cards

Relying upon credit or debit cards regularly in their everyday lives is something numerous Americans have learned to do in recent years, and it may therefore come as a bit of a shock when some smaller businesses do not accept this payment method. However, the disconnect between consumer sentiment about this refusal and the way businesses see it is particularly... Read More

The Newlywed’s Guide to Credit Card Changes

The Newlywed’s Guide to Credit Card Changes

The Newlywed’s Guide to Credit Card Changes

With the arrival of summer, wedding season is in full swing. And along with all the excitement of getting married comes some confusing details. Specifically, how should newlyweds handle credit card changes? Name changes on your credit card. Spouses who will be changing their name have to look forward to the monotony of visiting their... Read More

Are You Getting the Most Out of Your Credit Card Rewards?

Are You Getting the Most Out of Your Credit Card Rewards?

Are You Getting the Most Out of Your Credit Card Rewards?

Most rewards credit card users are happy to accumulate points, only to just spend them every now and then. Others have realized that how they spend their credit card rewards points is just as important as how they earned them. And one of the ways to get the most from these programs is to transfer... Read More

Millennials Ignore Credit Cards. Should They?

Millennials Ignore Credit Cards. Should They?

Millennials Ignore Credit Cards. Should They?

More and more young people are opting for a cash lifestyle. By the end of 2012, 16% of Americans ages 18 to 29 didn’t use a single credit card, up from 8% in 2007, according to a study by credit score provider FICO. The study attributes this to the hard-hitting recession’s influence on attitudes toward... 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