4 People Who Hate Credit Cards

Credit Cards

4 People Who Hate Credit Cards

4 People Who Hate Credit Cards

It’s easy for people to see the benefits of using a credit card. They offer the convenience of carrying around cash, while having protections against loss and theft. And rewards credit card holders can earn valuable points, miles or cash back when they use their cards to make ordinary purchases. For merchants, credit cards offer a... Read More

How I Paid Off $115K of Debt

Managing Debt

How I Paid Off $115K of Debt

How I Paid Off $115K of Debt

After years of keeping his credit cards locked in a fire safe, Peter got an unpleasant surprise: a collection of statements totaling more than $55,000. Peter alleges his wife had broken into the safe and gone on a shopping spree at high-end department stores. To say the least, he wasn’t happy about it, but they remained... Read More

Is This the Death of Passwords?

Identity Theft

Is This the Death of Passwords?

Is This the Death of Passwords?

Is it possible that your next password might be as simple and subtle as the way you type or hold your smartphone? If you hate trying to fill out those CAPTCHA forms with impossible-to-decipher characters, a new strategy for telling the difference between people and computers might give you some hope. Secrets are used to... Read More

3 Things Homebuyers Should Know, But Don’t

Mortgages

3 Things Homebuyers Should Know, But Don’t

3 Things Homebuyers Should Know, But Don’t

Buying property, no matter how many times you do it, will be among the biggest financial decisions you make. While it’s difficult to feel fully prepared for the mortgage process, you have to do as much research as possible to ensure you’re entering into an affordable loan agreement, but many homebuyers start the process surprisingly... Read More

Operation Emmental: Could Your Bank Get Hacked?

Identity Theft

Operation Emmental: Could Your Bank Get Hacked?

Operation Emmental: Could Your Bank Get Hacked?

When you go online to bank, you probably assume the site – along with your transaction – is secure. However, a new report shows that your banking experience could be more vulnerable than you think. Operation Emmental, cleverly named by Trend Micro to convey how full of holes online banking protections can be, is the... Read More

How Much Do People Really Spend on Wedding Gifts?

Personal Finance

How Much Do People Really Spend on Wedding Gifts?

How Much Do People Really Spend on Wedding Gifts?

With Americans spending an average of $167 per couple, people marrying this year can expect a pretty decent haul of wedding gifts. (And if they’re lucky, their guests will spend that money on something they actually want.) Online wedding registry site Zankyou looked at 300,000 donations given through its registries and determined average gift spending... Read More

3 Things to Do Before You Buy Life Insurance

Personal Finance

3 Things to Do Before You Buy Life Insurance

3 Things to Do Before You Buy Life Insurance

When it comes to making major purchases like a home, many people spend time beforehand preparing. It’s a good idea to think of life insurance the same way. A life insurance policy can help pay off a mortgage loan so beneficiaries can continue to live in the home or to remove the immediate need to... Read More

5 Times Credit Card Rewards Aren’t Worth It

Credit Cards

5 Times Credit Card Rewards Aren’t Worth It

5 Times Credit Card Rewards Aren’t Worth It

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — United Airlines Explorer card from Chase. Disclosure: Cards from our partners are mentioned below.] Rewards credit cards can sound like a great deal. First, there are the generous sign-up bonuses that can be worth hundreds of dollars. Next... Read More

5 Money Moves Newlyweds Forget to Make

Personal Finance

5 Money Moves Newlyweds Forget to Make

5 Money Moves Newlyweds Forget to Make

Once you’ve tied the knot and made it past the honeymoon phase, reality sets in. Love won’t always save the day, but healthy communication offers a fighting chance. So while the two of you are sorting everything out and settling into your new life as one, a money talk should be at the top of the... Read More

What You Need to Know About Buying a Vacation Home

Mortgages

What You Need to Know About Buying a Vacation Home

What You Need to Know About Buying a Vacation Home

Buying a home is a big decision that includes understanding how much house you can afford and working through the mortgage and purchase process. Some people will only do this once. Others will replace their main residence a few times — selling their home to buy another one. Still other people will keep their home and purchase... 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.

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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).

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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.

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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.



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