iTunes Gift Card Scams Are Flourishing

Personal Finance

iTunes Gift Card Scams Are Flourishing

iTunes Gift Card Scams Are Flourishing

iTunes gift cards have become a common tool for online scammers to wring money out of victims, according to new warnings from Apple and U.S. federal authorities. One agency received a deluge of complaints during a recent weekend, including word from one victim who lost $31,000 in a recent iTunes payment scam, according to the... Read More

4 Ways to Still Win the Holiday Shopping Season

Personal Finance

4 Ways to Still Win the Holiday Shopping Season

4 Ways to Still Win the Holiday Shopping Season

So the holidays are over … now what? You feel like you’ve been giving for months, but the end of the holidays means a respite from giving (your annual charitable contributions being the exception). Now it’s time to focus on returning any gifts you aren’t in love with, get a little something for yourself and... Read More

There’s a Website That Will Break Up With Someone for You

Personal Finance

There’s a Website That Will Break Up With Someone for You

There’s a Website That Will Break Up With Someone for You

A new service called The Breakup Shop aims to help non-confrontational people dump whoever they’re dating. For as little as $10, they can get the job done by text or email, replacing a task nearly everyone does for free currently. Like Cards Against Humanity’s Black Friday prank, in which people paid $5 to literally get nothing, The Breakup Shop proves there’s a market for everything. Of... Read More

How to Make a Gift Card More Thoughtful

Personal Finance

How to Make a Gift Card More Thoughtful

How to Make a Gift Card More Thoughtful

If you don’t give a gift card this year, you’ll be in the minority. The National Retail Federation says that eight in 10 shoppers will purchase gift cards, with the average shopper spending $163.16 on gift cards this year, a 4% increase from last year. Gift cards are a fast, easy gift that’s usually sure... Read More

Gift Cards: Not So Lame Anymore

Personal Finance

Gift Cards: Not So Lame Anymore

Gift Cards: Not So Lame Anymore

Gift cards have become an increasingly popular and acceptable holiday gift, and shoppers are planning to spend more this year on these little plastic presents than ever before. There are a lot of reasons for that, starting with the idea that holiday sales will be slightly higher than they were last year, according to the... Read More

3 Ways to Unload Unwanted Gift Cards

Personal Finance

3 Ways to Unload Unwanted Gift Cards

3 Ways to Unload Unwanted Gift Cards

There’s a good chance that among the gifts you get this holiday season, at least one will be a gift card. They are easy to buy and give, and often popular with those who receive them. According to the National Retail Federation’s annual holiday survey, six in 10 (59.8%) of those polled say they’d like... Read More

How to Buy Gift Cards and Maximize Your Rewards

Personal Finance

How to Buy Gift Cards and Maximize Your Rewards

How to Buy Gift Cards and Maximize Your Rewards

For some, gift cards are the perfect present while others find them to be the choice of last resort when they have run out of ideas. However you arrived at your decision to purchase a gift card, you can earn tremendous rewards for yourself when you purchase gift cards using a credit card. Maximizing Category... 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

Show Me More

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.

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.

Our Owners

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.

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.

Thanks for stopping by.

- The Credit.com Editorial Team