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Should You Give Your Kid a Credit Card?

Should You Give Your Kid a Credit Card?

Should You Give Your Kid a Credit Card?

All parents want their kids to learn to manage money competently. There is clearly a benefit to learning financial responsibility from an early age. But how young is too young to have the freedom (and temptation) to use a credit card? A decision requires that you think of your child specifically. If you decide the time... Read More

Is the Swipe Fee Settlement Battle Really Over?

Is the Swipe Fee Settlement Battle Really Over?

Is the Swipe Fee Settlement Battle Really Over?

Visa and MasterCard have agreed to pay $5.7 billion in a class-action settlement — believed to be the largest U.S. antitrust class action ever — regarding fees charged to merchants each time a customer uses a credit or debit card. Judge John Gleeson of the U.S. District Court in Brooklyn, N.Y., approved the settlement Dec.... Read More

The Best Credit Cards in America for Hotel Rewards

The Best Credit Cards in America for Hotel Rewards

The Best Credit Cards in America for Hotel Rewards

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Starwood Preferred Guest card from American Express. Disclosure: Cards from our partners are mentioned below.] 2013 has been a great year for hotels, as they have finally emerged from a prolonged period of depressed bookings and high vacancies. Now... Read More

A Credit Card That Could Get You to the Super Bowl

A Credit Card That Could Get You to the Super Bowl

A Credit Card That Could Get You to the Super Bowl

[Update: Some offers mentioned below have expired. You can view the current offers from our partners if available here — Starwood Preferred Guest card from American Express. Disclosure: Cards from our partners are mentioned below.] I recently watched the Denver Broncos host the Tennessee Titans on a cold night. Before the game, I was on the sidelines... Read More

How to Stop Getting Credit Card Offers in the Mail

How to Stop Getting Credit Card Offers in the Mail

How to Stop Getting Credit Card Offers in the Mail

Would you like to stop companies from selling your financial information for marketing purposes? If you could eliminate junk mail and save millions of trees per year, would you? Ask 10 people, and you’ll probably get as many volunteers. Why, then, have so few Americans opted out of pre-approved financial offers? I think it’s because... Read More

Can Twitter & Facebook Make Your Credit Card Better?

Can Twitter & Facebook Make Your Credit Card Better?

Can Twitter & Facebook Make Your Credit Card Better?

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] For years, the Internet was a pretty boring place. People interacted with each other one on one via email,... Read More

Discover Cardholders May See $8.7M Class Action Settlement

Discover Cardholders May See $8.7M Class Action Settlement

Discover Cardholders May See $8.7M Class Action Settlement

A U.S. District Court in California has preliminarily approved an $8.7 million class action settlement stemming from a lawsuit against Discover Financial Services for alleged robocalling practices. Consumers who may be entitled to a payment have been receiving notice of the settlement and must file a claim or opt out by early next year. The claims... Read More

A Little-Known Credit Card Perk That Can Save You Big

A Little-Known Credit Card Perk That Can Save You Big

A Little-Known Credit Card Perk That Can Save You Big

One of the best reasons for paying for a purchase with a credit card instead of a debit card or cash is the power it gives you to dispute charges. If there is a problem with a purchase you’ve charged — you were billed the wrong amount or you didn’t get what you ordered —... Read More

Healthcare Credit Cards Latest Target of CFPB

Healthcare Credit Cards Latest Target of CFPB

Healthcare Credit Cards Latest Target of CFPB

The Consumer Financial Protection Bureau announced its latest enforcement action Tuesday, ordering GE Capital Retail Bank and subsidiary CareCredit to refund as much as $34.1 million to consumers who thought they were signing up for interest-free credit cards, but the cards accrued interest to be applied at the end of a promotional period. The refunds,... Read More

Credit Card Usage Surges During Government Shutdown

Credit Card Usage Surges During Government Shutdown

Credit Card Usage Surges During Government Shutdown

Consumers sharply increased their credit card spending in October, adding $4.3 billion to their balances since September, according to the latest consumer credit data from the Federal Reserve. The 16-day partial government shutdown left thousands of federal employees without paychecks for much of the month, and consumers reached for credit cards to cover costs. “The... 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.



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