Credit Cards

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Credit Card Spending Drops Before the Holidays

Credit Card Spending Drops Before the Holidays

Credit Card Spending Drops Before the Holidays

Americans curtailed their credit card spending in the third quarter, according to the latest consumer credit report from the Federal Reserve. Overall, outstanding consumer credit increased at an annual rate of 5.2% in the third quarter, no thanks to credit cardholders. Revolving account balances — credit that can be re-used after it is repaid, as... Read More

CARD Act Helped Consumers Without Limiting Credit Access

CARD Act Helped Consumers Without Limiting Credit Access

CARD Act Helped Consumers Without Limiting Credit Access

Regulations aiming to make credit cards more consumer-friendly have been effective, researchers found. Fee restrictions enacted by the CARD Act of 2009 have saved U.S. credit cardholders $20.8 billion a year, according to a study released in October. Not only have borrowing costs come down for the average American, but the changes had the most... Read More

Do You Need to Re-Evaluate Your Airline Miles Credit Cards?

Do You Need to Re-Evaluate Your Airline Miles Credit Cards?

Do You Need to Re-Evaluate Your Airline Miles Credit Cards?

[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.] The past few months have brought some disappointing news to award travel enthusiasts. In August, Delta airlines announced that... Read More

3 Important Facts About Small Business Credit Cards

3 Important Facts About Small Business Credit Cards

3 Important Facts About Small Business Credit Cards

Nurturing a startup or managing a small business requires good strategies in order to avoid financial mishaps. A small business credit card can be a great tool for organized owners, because they help separate work and personal finances, and many offer rewards. While it’s important to distinguish between business and personal expenses, they can never... Read More

Help! My Credit Is Bad, But I Need a Credit Card

Help! My Credit Is Bad, But I Need a Credit Card

Help! My Credit Is Bad, But I Need a Credit Card

What can you do if your credit is bad and you need a credit card? Your choices will obviously be more limited than if your credit were good, but that doesn’t mean you can’t get a credit card. Let’s take a look at what you can do if you’re in this situation. Check Your Credit... Read More

5 Common Credit Card Myths

5 Common Credit Card Myths

5 Common Credit Card Myths

Credit cards can be a little mysterious. Each issuer provides cardholders with pages of terms and conditions, and they can be difficult to understand. Fortunately, credit cards — and how they affect your credit — don’t have to be a complete mystery. Let’s discuss — and dispel — five common credit card myths. 1. Canceling... Read More

4 Tools That Can Help You Get Out of Credit Card Debt

4 Tools That Can Help You Get Out of Credit Card Debt

4 Tools That Can Help You Get Out of Credit Card Debt

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Chase Slate and Chase Freedom. Disclosure: Cards from our partners are mentioned below.] If you are having trouble paying off credit card debt, you need help. Paying off a large balance can be one of the most difficult challenges in... Read More

It’s Not Too Late to Use Credit Card Rewards for Thanksgiving Travel

It’s Not Too Late to Use Credit Card Rewards for Thanksgiving Travel

It’s Not Too Late to Use Credit Card Rewards for Thanksgiving Travel

[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.] Two years ago, I decided to search for three airline mileage awards in October for a Thanksgiving trip with... Read More

When Is the Best Time to Pay My Credit Card Bill?

When Is the Best Time to Pay My Credit Card Bill?

When Is the Best Time to Pay My Credit Card Bill?

When it comes to credit cards, there are dozens of strategies for making the most out of their benefits, and opinions on such tactics vary. But there is one best time to pay a credit card bill: before it’s due. Consumers with late payments on their credit reports could suffer in other areas of finance,... Read More

4 Holiday Credit Card Strategies

4 Holiday Credit Card Strategies

4 Holiday Credit Card Strategies

Just as we can predict the arrival of winter each year, many Americans can foresee their increased spending needs throughout the holiday season. And of course, increased holiday spending on credit cards will mean higher payments, more interest charges, or both. Yet consumers who know in advance that they will soon be charging more on... 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.

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- The Credit.com Editorial Team