Credit Cards

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How to Pick a Good Gas Rewards Credit Card

How to Pick a Good Gas Rewards Credit Card

How to Pick a Good Gas Rewards Credit Card

Gasoline is expensive, and it is unlikely to become more affordable in the future. Thankfully, there are many credit cards that offer increased rewards for purchases at the pump. But with so many competing offers, how can cardholders choose the best gas rewards credit card for their needs? Consider these factors: Discounts per dollar or... Read More

Help! My Sister Wants Me Off Her Credit Card

Help! My Sister Wants Me Off Her Credit Card

Help! My Sister Wants Me Off Her Credit Card

Having a family member add you as an authorized user is one of the quickest, most effective strategies for consumers who are looking to establish and build credit, whether you’re new to the U.S. or just starting out. In fact, it’s the first strategy many experts recommend for young adults that are just starting out.... Read More

New Tech Could Mean Trouble for Prepaid Debit Cards

New Tech Could Mean Trouble for Prepaid Debit Cards

New Tech Could Mean Trouble for Prepaid Debit Cards

These days, millions of consumers across the country rely on prepaid debit cards as a means of handling their finances because they find traditional bank accounts to be too expensive. However, with coming technology changes for the card industry, those people might have more difficulty in obtaining these accounts at low costs. Within the next... Read More

Another Suit Filed Over Credit Card Swipe Fees

Another Suit Filed Over Credit Card Swipe Fees

Another Suit Filed Over Credit Card Swipe Fees

The battle over credit card swipe fees rages on as a new lawsuit has been filed against the multi-billion dollar settlement that is just months from being finalized. The $7.25 billion proposed settlement between Visa and MasterCard, and a large number of retail groups and chains, has drawn significant opposition from many well-known national stores,... Read More

How to Negotiate Your Way to a Better Credit Card

How to Negotiate Your Way to a Better Credit Card

How to Negotiate Your Way to a Better Credit Card

The simple pieces of plastic in your wallet don’t seem that interesting, but most people don’t know what they are capable of. I am not talking about scraping snow off a windshield or jimmying open a locked door, I am talking about some of the really neat tricks that you can perform with your credit... Read More

The Best Business Credit Cards With No Annual Fee

The Best Business Credit Cards With No Annual Fee

The Best Business Credit Cards With No Annual Fee

This month, in our Best Credit Cards in America series, we are looking at the best business credit cards. When looking for the best business credit cards, cardholders should have different requirements than they would for personal credit cards. Business users need to look for flexible terms, rewards for common business purchases, and in many... Read More

More Companies Opting Out of Swipe-Fee Settlement

More Companies Opting Out of Swipe-Fee Settlement

More Companies Opting Out of Swipe-Fee Settlement

A massive, controversial settlement between a number of retailer groups and the world’s two largest processors of debit and credit card payments is looming, but now, more companies are opting out of the deal on the grounds that they feel it is unfair to them going forward. A total of 19 companies have opted out... Read More

How to Plan a Credit Card Rewards Trip

How to Plan a Credit Card Rewards Trip

How to Plan a Credit Card Rewards Trip

There is a problem with credit card rewards. Banks promote reward cards that feature award flights and free hotel nights, and applicants sometimes believe that these rewards will materialize with a few keystrokes and the click of their mouse. But in fact, earning and redeeming rewards can take some time as the best trips must... Read More

Google Wallet: The Check Is in the Email

Google Wallet: The Check Is in the Email

Google Wallet: The Check Is in the Email

One of the world’s best-known tech companies has been working hard to broaden the scope of its mobile payment program for the past few years, and now will allow users to send money through the system, or their own bank accounts, via email. Consumers will now have the option to attach money to messages sent... Read More

5 Credit Card Fees You Should Never Pay

5 Credit Card Fees You Should Never Pay

5 Credit Card Fees You Should Never Pay

Mark Twain once said “Everybody talks about the weather, but nobody does anything about it.” But when it comes to credit card fees, there is actually a lot that credit card users can do to reduce or eliminate them. In fact, conscientious cardholders can avoid paying these fees altogether when they choose the right cards... 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