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Capital One Sees More Charge Offs, Fewer Delinquencies in November

Capital One Sees More Charge Offs, Fewer Delinquencies in November

Capital One Sees More Charge Offs, Fewer Delinquencies in November

Capital One, the first major U.S. credit card lender to report its delinquency and default figures every month, said it saw a significant drop in the number of accounts that were 30 days or more behind in November, according to a report from Reuters. In its latest regulatory filing, the company said late payments slipped… Read More

One Fiscal Conservative’s Campaign Finance Tool: Credit Cards

One Fiscal Conservative’s Campaign Finance Tool: Credit Cards

One Fiscal Conservative’s Campaign Finance Tool: Credit Cards

Joe Miller, then the Republican front-runner to become the next Senator from Alaska, found an interesting way to pay for part of his campaign: Credit cards. According to a filing in October with the Federal Election Commission, Miller charged somewhere between $35,003 and $80,000 on three credit cards from Bank of America.  The cards all… Read More

Pay Off a High-Interest Credit Card with Home Equity?

Pay Off a High-Interest Credit Card with Home Equity?

Pay Off a High-Interest Credit Card with Home Equity?

Some consumers are paying off their high interest credit cards in an inventive way – with a home equity loan. It’s not always the best solution, but it can be a good cure for your high interest headaches under the right conditions. In general, home equity loan interest rates are lower than the rates on… Read More

Card Smart: More Americans Turning Away From Credit Cards?

Card Smart: More Americans Turning Away From Credit Cards?

Card Smart: More Americans Turning Away From Credit Cards?

Can eight million Americans be wrong? Credit reporting giant TransUnion is out with a new study showing that eight million Americans have stopped using credit cards over the past year. But those consumers who go cold turkey don’t always do so for the same reasons. The numbers come from TransUnion’s quarterly analysis of credit card… Read More

Tired of Credit Card Fees? Negotiate.

Tired of Credit Card Fees? Negotiate.

Tired of Credit Card Fees? Negotiate.

Credit card companies are keen for your business. So keen, in fact, that they’re willing to spend millions of dollars mailing out two and a half billion pieces of direct mail to American homes in 2010 alone, according to our recent interview with Synovate’s Anuj Shahani. That doesn’t include the millions more they spend on… Read More

For Discover, Rare Allegations of Fraud

For Discover, Rare Allegations of Fraud

For Discover, Rare Allegations of Fraud

Minnesota’s attorney general sued Discover Financial Services on Monday, alleging that the credit card company tricked consumers into paying for identity theft and emergency account protection. Discover made “aggressive, misleading, and deceptive telemarketing calls to sign people up for these products,” according to a press release by the attorney general’s office. The lawsuit was filed… Read More

The Real Deal on No-Limit Credit Cards

The Real Deal on No-Limit Credit Cards

The Real Deal on No-Limit Credit Cards

The story in the New York Times seems to offer a stark choice: Either stay away from no-limit credit cards, or risk destroying your credit. Citing a report by CardHub.com, it talked about how the different ways such cards report your payment information could hurt your credit score. “My advice is just don’t use” no-limit… Read More

The Credit Card Spies You’ve Never Heard Of

The Credit Card Spies You’ve Never Heard Of

The Credit Card Spies You’ve Never Heard Of

Are all of your credit card purchases being tracked in real-time by the federal government? Probably not. But if they are, you probably will never know. According to documents from the Department of Justice, and unearthed by privacy watchdog Christopher Soghoian, the government is using a practice called “Hot Watch” to monitor credit card purchases… Read More

Consumers Say One Thing, Do Another with Credit

Consumers Say One Thing, Do Another with Credit

Consumers Say One Thing, Do Another with Credit

Consumers may be planning to use their credit cards less this holiday, but so far in 2010 they’ve actually been doing the opposite. Both MasterCard and Visa reported yesterday that the total number of charges made with their cards increased in the fourth quarter of 2010, as did the total amount that people spent. The… Read More

Chase Cuts Rewards Program, More to Follow?

Chase Cuts Rewards Program, More to Follow?

Chase Cuts Rewards Program, More to Follow?

Debit card rewards or credit card rewards, which is really better?  And, why do consumers choose one over the other?  It’s the great debate that’s been raging on for, well, a couple of weeks over here at Credit.com.  Here are my thoughts as to why consumers choose one over the other. Chase recently announced that… Read More

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