4 Credit Card Terms You Can Totally Negotiate

Credit Cards

4 Credit Card Terms You Can Totally Negotiate

4 Credit Card Terms You Can Totally Negotiate

If you’re looking at a new credit card, you may have noticed that there are a lot of rules and restrictions that come with these pieces of plastic. Of course, there are some things that have to remain that way, but you may be surprised to know there are also some items you may not... Read More

6 Mistakes People Make When Picking a New Credit Card

Credit Cards

6 Mistakes People Make When Picking a New Credit Card

6 Mistakes People Make When Picking a New Credit Card

Applying for a new credit card can be very tempting. However, when choosing your credit card, it is important that you find the one that is most appropriate for you. If you don’t do your homework, you may end up paying more than you bargained for. Here are six common mistakes people make when choosing... Read More

How to Put Your Credit Cards on Pause

Credit Cards

How to Put Your Credit Cards on Pause

How to Put Your Credit Cards on Pause

If you are starting your new year with more debt than you anticipated, it might be a good time to consider avoiding credit card use for a while. Unfortunately, it’s the convenience of these products that make them so ripe for overspending, and some cardholders will be best served by switching to cash, debit cards,... Read More

What Happens When You Miss a Credit Card Payment?

Credit Cards

What Happens When You Miss a Credit Card Payment?

What Happens When You Miss a Credit Card Payment?

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Chase Freedom, Citi Simplicity and Discover it. Disclosure: Cards from our partners are mentioned below.] Uh-oh! You just received your credit card statement, and it shows large interest rates and fees that you didn’t expect. And in bold letters, you... Read More

6 Credit Card Tips for the Unemployed

Credit Cards

6 Credit Card Tips for the Unemployed

6 Credit Card Tips for the Unemployed

So you recently lost your job? Becoming unemployed is scary, to say the least. You’re not sure when you’ll find employment, and you may not receive unemployment insurance payments for weeks — or even months — after you first apply. It’s easy to mishandle your credit cards during this stormy season. You may be tempted to keep... Read More

Consumers Fell Behind on Credit Card Payments in November

Credit Cards

Consumers Fell Behind on Credit Card Payments in November

Consumers Fell Behind on Credit Card Payments in November

Borrowers’ credit card habits have changed drastically since the end of the recession, but as they’ve started carrying slightly more debt in recent months, default rates for some of the nation’s top lenders crept upwards in November. Capital One Financial, Discover Financial Services and American Express all saw higher rates of charged off credit card... Read More

10 States With the Highest Credit Card Balances

Credit Cards

10 States With the Highest Credit Card Balances

10 States With the Highest Credit Card Balances

With holiday spending expected to soar this year and some consumers using their favorite piece of plastic to front the cash, credit card balances are on the top of everyone’s mind. Since a higher credit utilization ratio (total balances to total credit limits) can hurt your credit score, balances do matter. To see if your... Read More

Credit Card Charge-Offs at Record Lows

Managing Debt

Credit Card Charge-Offs at Record Lows

Credit Card Charge-Offs at Record Lows

Instances of consumers falling so far behind on their credit card payments that the lenders controlling the accounts had to write off the debt altogether fell once again in the second quarter of the year. Credit card loss rates, which are an indicator of the severity of charge offs across the lending industry, slipped to... Read More

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