How to Read a Credit Card Offer

Credit Cards

How to Read a Credit Card Offer

How to Read a Credit Card Offer

Being a credit card user is a lot like being the best looking person in the room. Credit card issuers are constantly trying to get your attention online, through the mail, and even at kiosks in the airport. With so many offers to consider, how can credit card applicants figure out which one is best?... Read More

Can a Credit Card Company Really Come to Your House?

Credit Cards

Can a Credit Card Company Really Come to Your House?

Can a Credit Card Company Really Come to Your House?

There’s a new reason to carefully read the fine print in contracts you sign: to find out who might be coming for dinner. L.A. Times consumer reporter David Lazarus reported this week that credit card issuer Capital One’s cardholder agreement includes some surprising terms. According to Lazarus, the agreement says the company may “contact you... Read More

6 Gym Membership Gotchas

Personal Finance

6 Gym Membership Gotchas

6 Gym Membership Gotchas

Getting in shape can really make your bank account unhealthy. If you are among the millions of people making New Year’s resolutions who think January is the time to finally commit to an exercise plan, and you are considering joining a health club, know this: signing up for a gym membership can be just as... Read More

How to Find the Best Retail Credit Cards

Credit Cards

How to Find the Best Retail Credit Cards

How to Find the Best Retail Credit Cards

As we enter the holiday season, many shoppers are being asked to consider opening an account at nearly every retailer they visit. But with hundreds of retailers offering their own co-branded credit cards, we realized that we couldn’t possibly review them all for our Best Credit Cards in America series. So how can consumers find... Read More

Why Prepaid Cards are NOT Gift Cards

Personal Finance

Why Prepaid Cards are NOT Gift Cards

Why Prepaid Cards are NOT Gift Cards

Although it may not feel like a very personal gift, you probably can’t go wrong giving a gift card as a holiday present. Gift cards/certificates and cash are the top two gifts consumers want to receive this holiday season, according to the Deloitte annual holiday survey. And prepaid cards continue to grow in popularity, sometimes... Read More

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Credit Cards

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Rates on a Plane: The Expanding Frontier of Credit Card Sales

Passengers are used to hearing flight attendants give safety briefings and warn of the perils of using their smartphones below 10,000 feet. But in recent years, flight attendants have added a new in-flight announcement to their repertoire: the credit card sales pitch. It’s a bit jarring the first time you hear the pitch and see... Read More

CFPB: We’re Making Lending Easier to Understand

Mortgages

CFPB: We’re Making Lending Easier to Understand

CFPB: We’re Making Lending Easier to Understand

The federal agency in charge of making sure consumers have adequate protections when it comes to financial products noted that many of its attempts to give borrowers a better understanding of those products seem to have been successful. Richard Cordray, the director of the Consumer Financial Protection Bureau, recently spoke before the U.S. Senate Committee... Read More

Always Take Time to Read the Fine Print

Personal Finance

Always Take Time to Read the Fine Print

Always Take Time to Read the Fine Print

In recent months, Americans have received a number of protections from the federal agency tasked with helping to protect consumers from predatory and misleading lending practices, but some experts say that it’s also important for borrowers to do their part to protect themselves. The CARD Act has instituted a number of strong policies that called... Read More

How to Find Out if Your Credit Card Has Price Protection

Credit Cards

How to Find Out if Your Credit Card Has Price Protection

How to Find Out if Your Credit Card Has Price Protection

You know what’s really annoying? Buying something, say a $500 HDTV, and then seeing the same TV on sale for $375 a week or two later. Some merchants will reimburse you for the $125 difference if you ask and have some proof. But this doesn’t always work out. If the merchant refuses and you purchased... Read More

Prepaid Cards: How to Become a Fine Print Warrior

Credit Cards

Prepaid Cards: How to Become a Fine Print Warrior

Prepaid Cards: How to Become a Fine Print Warrior

I don’t encourage the use of prepaid cards, but the industry obviously doesn’t care about getting my blessing. In 2009, there was $18.3 billion loaded onto prepaid cards. And get this: The Network Branded Prepaid Card Association predicts that by the end of 2011, $67.7 billion will have been loaded onto prepaid cards. These cards... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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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.

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Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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- The Credit.com Editorial Team