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Social Security Tax Cut Used by Many to Pay Down Credit Card Debt

Social Security Tax Cut Used by Many to Pay Down Credit Card Debt

Social Security Tax Cut Used by Many to Pay Down Credit Card Debt

Consumer spending rose just 0.2 percent in January despite nationwide average income increasing 1 percent, according to a report from Bloomberg News based in part on the most recent statistics from the U.S. Department of Commerce. This is likely due to increased efforts by consumers to pay down their outstanding credit card debt instead of… Read More

The Subprime Guide to Plastic

The Subprime Guide to Plastic

The Subprime Guide to Plastic

If you have a FICO score below 660, you’re typically considered to be in the subprime category. But if your score is in the 620-660 range, you can at least take pleasure in knowing you’re in the “near-prime” category. That may sound like the credit card equivalent of winning the Miss Congeniality award, but your… Read More

Southwest Airlines New Rapid Rewards Program Has Arrived

Southwest Airlines New Rapid Rewards Program Has Arrived

Southwest Airlines New Rapid Rewards Program Has Arrived

In early January, I wrote a blog about the upcoming changes to Southwest Airline’s Rapid Rewards program. Starting March 1, 2011 the New Rapid Rewards program takes effect. Here’s a brief rundown of some of the changes: The number of points earned depends on the amount of your airfare. Before, you earned credits based on… Read More

Credit CARD Act Working, Government Study Finds

Credit CARD Act Working, Government Study Finds

Credit CARD Act Working, Government Study Finds

A year after it was first passed, the Credit Card Accountability, Responsibility and Disclosure Act has largely been helpful to consumers, according to a report from the new Consumer Financial Protection Bureau. In particular, consumers have seen fees for late payments ease considerably, and those for exceeding credit limits have disappeared almost entirely. [Related: Are… Read More

Roundup: Credit Cards for Rebuilding Credit

Roundup: Credit Cards for Rebuilding Credit

Roundup: Credit Cards for Rebuilding Credit

Once your credit score slips into the poor or bad credit category — below 650 — consider getting a credit card that’s designed to help you rebuild your credit. Sometimes, this means you’ll have to get a secured card. With these cards, you deposit an amount of money in a bank account and this “secures”… Read More

For the CARD Act’s First Birthday, Controversy Continues

For the CARD Act’s First Birthday, Controversy Continues

For the CARD Act’s First Birthday, Controversy Continues

Most first birthdays are a time for pure celebration. But when it comes to the first birthday of the controversial Credit Card Accountability and Disclosure (CARD) Act, no one is celebrating. The law first took effect on Feb. 22, 2010. Leaders of large banks and credit card companies remain furious about many parts of the… Read More

59.9 Percent APR Credit Card No Longer Available

59.9 Percent APR Credit Card No Longer Available

59.9 Percent APR Credit Card No Longer Available

First PREMIER has pulled its infamous 59.9 percent APR MasterCard credit card from the market. The card, which was dubbed America’s worst credit card by Consumer Reports, has been replaced with the First PREMIER® Bank Secured Credit Card. After facing an avalanche of bad publicity due to the sky-high interest rate, it would be easy… Read More

Are CARD Act Critics in Complete Denial?

Are CARD Act Critics in Complete Denial?

Are CARD Act Critics in Complete Denial?

In law school, I was taught – as are all aspiring lawyers – to perfect the art of arguing any and/or all sides of a case. The lawyer’s mantra – “If you can’t beat on the facts, beat on the law. If you can’t beat on the law, beat on the facts. If you can’t… Read More

Credit Card Q&A: Is There a Credit Card Without a Balance Transfer Fee?

Credit Card Q&A: Is There a Credit Card Without a Balance Transfer Fee?

Credit Card Q&A: Is There a Credit Card Without a Balance Transfer Fee?

Credit Question: Is there a credit card that doesn’t charge a balance transfer fee? Answer: It’s not surprising that this has become a frequent question from consumers. Mailboxes across the country are being flooded with offers, many of them with excellent balance transfer opportunities. But it’s the balance transfer fees—usually ranging from 3 percent to… Read More

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