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Americans Cut $600 From Credit Card Balances in 2 Years

Americans Cut $600 From Credit Card Balances in 2 Years

Americans Cut $600 From Credit Card Balances in 2 Years

Consumers have drastically changed their borrowing habits in the wake of the recent national recession and in the last few years many experts said that as the economy improved, things would slowly regress back to pre-downturn conditions. However, that hasn’t happened yet, and might not do so for some time. Many financial experts have long... Read More

Have Hotel Chains Ruined Your Credit Card Rewards?

Have Hotel Chains Ruined Your Credit Card Rewards?

Have Hotel Chains Ruined Your Credit Card Rewards?

There are many reward credit cards that offer points in hotels’ loyalty programs. But how much are these points worth? The answer: only as much as the hotel rooms you can actually book. And unfortunately for hotel reward card users, the points awarded by many of the major programs were just severely devalued within the... Read More

Credit Cards With Low Interest Rates: How to Pick One

Credit Cards With Low Interest Rates: How to Pick One

Credit Cards With Low Interest Rates: How to Pick One

The simple truth is that those who carry a balance should remain focused on finding a credit card with the lowest interest rate possible. While this may seem like a simple task, it can actually be a challenge. Credit card issuers offer a wide variety of products with interest rates and features that are all... Read More

How to Snag a Great Credit Card Sign-Up Bonus

How to Snag a Great Credit Card Sign-Up Bonus

How to Snag a Great Credit Card Sign-Up Bonus

Credit card users in the U.S. are pretty lucky to live in a time and place where banks are fiercely competing to earn our business. Amazingly, this competition results in rewards bonuses that we can earn just for receiving a new card and meeting a minimum spending requirement. These rewards can be in the form... Read More

Federal Reserve Opts Not to Change Debit Card Swipe Fee

Federal Reserve Opts Not to Change Debit Card Swipe Fee

Federal regulators drew a lot of ire from payment processing companies a while ago when they placed limits on the amount those companies could charge to merchants for accepting debit payments, but the nation’s central bank recently reaffirmed its stance on these fees and said it would not allow them to be changed. The current... Read More

How to Pick a Cash Reward Credit Card

How to Pick a Cash Reward Credit Card

How to Pick a Cash Reward Credit Card

Rewards points and miles have a rather ephemeral quality; their entire existence is subject to the whim of a corporation’s loyalty program. On the other hand, cash back will always be the most valuable currency when it comes to credit card rewards. Unlike points and miles, cash can be used to pay your mortgage, to... Read More

Bank of America Incentivizing Bigger Credit Card Payments

Bank of America Incentivizing Bigger Credit Card Payments

Bank of America Incentivizing Bigger Credit Card Payments

One problem that can lead many credit card borrowers to have more significant debts than they might have bargained for is repeatedly making only the minimum payments into their balances every month, and now one major national bank is trying to give them incentive to start making larger contributions to their balances. Bank of America... Read More

What Is the Future of Credit Card Fraud?

What Is the Future of Credit Card Fraud?

What Is the Future of Credit Card Fraud?

Identity theft has become a significant problem in the past few years across the country, and it seems that there is a shifting trend in the ways in which thieves are compromising credit and debit accounts in particular. As recently as 2010, more than 40 percent of card fraud was taking place with thieves skimming... Read More

Credit Cards to Rebuild Credit: How to Pick One

Credit Cards to Rebuild Credit: How to Pick One

Credit Cards to Rebuild Credit: How to Pick One

Rebuilding credit can be tough to do. The best way to improve your credit is to open a new account and create a record of timely payments.  Yet, predictably, few banks are willing to grant credit cards to those who have a poor credit history. You don’t have to give up hope, though, as there... Read More

Many States Weighing Credit Card Surcharge Bans

Many States Weighing Credit Card Surcharge Bans

Many States Weighing Credit Card Surcharge Bans

A recent settlement between the world’s two largest processors of debit and credit card payments and a number of merchant groups allowed the latter to begin charging customers more for making payments with credit, but now a number of states are moving to ban this type of additional cost being passed on to consumers. When... 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