Credit Cards

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Can You Pay for Pot on Credit?

Can You Pay for Pot on Credit?

Can You Pay for Pot on Credit?

With recreational marijuana now legal in Colorado and Washington, and medical marijuana legal in 20 states and the District of Columbia, pot is now a legitimate billion dollar business in America. But according to federal law, purchasing pot is illegal. So practically speaking, actually buying and selling marijuana is still a sticky situation. Because of... Read More

Credit Card Debt Grows Among Those With Poor Credit

Credit Card Debt Grows Among Those With Poor Credit

Credit Card Debt Grows Among Those With Poor Credit

Consumers with low credit scores account for an increasingly large chunk of the nation’s credit card debt, with subprime borrowers carrying more than three times the average credit card debt held by consumers with excellent credit scores. In the third quarter of 2013, the typical consumer had a credit card debt load of $4,061, according... Read More

The Best Balance Transfer Credit Cards in America

The Best Balance Transfer Credit Cards in America

The Best Balance Transfer Credit Cards in America

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Slate from Chase, Chase Freedom and Citi Diamond Preferred. Disclosure: Cards from our partners are mentioned below.] The holidays are a festive time, and it’s easy to overspend toward the end of the year. Take gift giving, travel and... Read More

The Secret to Getting an Upgrade on Your Credit Card

The Secret to Getting an Upgrade on Your Credit Card

The Secret to Getting an Upgrade on Your Credit Card

[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.] There are several stages of thought that credit card users go through when they discover that issuers are... Read More

It’s Not Too Late: 5 Credit Card Resolutions to Start Now

It’s Not Too Late: 5 Credit Card Resolutions to Start Now

It’s Not Too Late: 5 Credit Card Resolutions to Start Now

With a new year comes the opportunity to take a fresh approach to how you use credit cards. You can do so under the guise of a New Year’s resolution or just the realization that you might have spent a little too much over the holidays. Either way, now is the time to re-evaluate your... Read More

The Biggest Credit Card Complaint: Your Bill

The Biggest Credit Card Complaint: Your Bill

The Biggest Credit Card Complaint: Your Bill

Billing disputes, interest rate issues and fraud concerns are the most frequent complaints filed by credit card users, according to a new report issued this week by the Public Interest Research Group. The consumer advocacy organization examined all 175,000 complaints filed with the Consumer Financial Protection Bureau (CFPB) since it began taking complaints in 2011,... Read More

How to Reorganize Your Wallet

How to Reorganize Your Wallet

How to Reorganize Your Wallet

[Disclosure: Cards from our partners are mentioned below. Citibank advertises on Credit.com, but that results in no preferential editorial treatment.] Now that the holidays are over, this is the perfect time for Americans to take stock of their finances. As we come to grips with how much we spent during the holidays, and anticipate our... Read More

Consumer Credit Card Use Evened Out in November

Consumer Credit Card Use Evened Out in November

Consumer Credit Card Use Evened Out in November

Following a massive jump in consumer credit card use in October, there wasn’t much room for growth in November. Still, outstanding revolving credit increased slightly, from $856.4 billion to $856.9 billion, according to the latest report from the Federal Reserve. That leaves the annual growth rate of revolving consumer credit at 0.6% as of November.... Read More

Should You Add an Authorized User to Your Credit Card?

Should You Add an Authorized User to Your Credit Card?

Should You Add an Authorized User to Your Credit Card?

[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.] Some people give keys to their homes to trusted friends and family members. Doing so makes it convenient for others to... Read More

Discover Nixing Alternate Credit Card Number Program

Discover Nixing Alternate Credit Card Number Program

Discover Nixing Alternate Credit Card Number Program

Financial services company Discover recently announced it will discontinue its Secure Online Account Numbers program, which allows customers to generate alternate credit card numbers to use for online payments, instead of using their full account number. The explanation posted to the company’s website provides little information about the decision: “As part of our normal business practice, we... 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