Credit Cards

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Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Swipe, insert, or tap — sound familiar? According to recent research, 66 percent of all point-of-sale transactions are completed by card. And this number is expected to grow with technological developments and time-conscious consumers looking for the fastest payment method. Yet, there are still many businesses that don’t accept credit cards as a form of... Read More

What the Loss of Credit Card Price Protection Means for Consumers

What the Loss of Credit Card Price Protection Means for Consumers

What the Loss of Credit Card Price Protection Means for Consumers

In a highly saturated credit card market, providers would throw perks around left and right to entice sign-ups. We all know the main features, like rewards, points, cash back, and miles, but some of the biggest providers, including Discover, Citi, and Chase, are starting to cut back on the extra cardholder benefits that get low... Read More

Should You Use Your Credit Card for Wedding Expenses?

Should You Use Your Credit Card for Wedding Expenses?

Should You Use Your Credit Card for Wedding Expenses?

With the cost of weddings skyrocketing, couples are turning to alternative methods to pay for their big day. Nearly three-quarters of couples planned to take on debt for their nuptials, according to a Student Loan Hero survey, and 61 percent said they planned to use credit cards to cover some of their expenses. Using a credit... Read More

Credit Cards for Your Gas-Guzzling Commute

Credit Cards for Your Gas-Guzzling Commute

Credit Cards for Your Gas-Guzzling Commute

[DISCLOSURE: Cards from our partners are mentioned below.] With gas prices higher than they’ve been in three years, commuting is more expensive than ever. As gas prices rise, so do commuters’ frustrations—every visit to the gas station met by an exasperated eye roll at the gas prices and a reluctant surrender of your money. Price... Read More

The Right Way to Pay Your Credit Card

The Right Way to Pay Your Credit Card

The Right Way to Pay Your Credit Card

Article updated by Brian Acton June 20, 2018 Unlike most monthly bills, credit card payments give you the ability to decide your payment amount, letting you pay multiple ways. The right way to pay your credit card depends on your budget and financial goals, and you might even switch up strategies month-to-month. But before you... Read More

Can You Negotiate With Your Credit Card Company?

Can You Negotiate With Your Credit Card Company?

Can You Negotiate With Your Credit Card Company?

Article Updated June 15, 2018 by Brian Acton The terms laid out in your credit card agreement aren’t always set in stone. While some rules, such as special offer restrictions, can’t be changed, there are many things you can negotiate with your credit card provider. But to win concessions from your credit card company, you... Read More

5 Credit Cards You Can Get After Bankruptcy

5 Credit Cards You Can Get After Bankruptcy

5 Credit Cards You Can Get After Bankruptcy

[UPDATE: Article Updated June 13, 2018 by Brian Acton. Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] There’s nothing fun about declaring bankruptcy, but those who emerge from it... Read More

Considering a Credit Card for Your Teenager? Read This First

Considering a Credit Card for Your Teenager? Read This First

Considering a Credit Card for Your Teenager? Read This First

Everyone from Dave Ramsey to your neighbor down the street has an opinion about whether teenagers should have credit cards. But the fact is many already do. According to a TransUnion survey, 19% of teens have a credit card. If you want to introduce your child to the world of credit while being mindful of... Read More

What to Do with Your Old Credit Cards

What to Do with Your Old Credit Cards

What to Do with Your Old Credit Cards

You know that “starter” credit card collecting dust in your wallet? The one with a high interest rate, lackluster benefits, and zero rewards? Now that you’ve upgraded to a better card, you might be tempted to close your old cards and never look back. Not so fast! Canceling your old credit cards can actually hurt... Read More

Are Cash Back Debit Cards an Alternative to Credit Cards?

Are Cash Back Debit Cards an Alternative to Credit Cards?

Are Cash Back Debit Cards an Alternative to Credit Cards?

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements.] It’s hardly a secret that millennials loathe credit card debt. They fear it, in some cases more than other very frightening life events. It was widely reported last year that debt conscious millennials are disrupting the credit card industry... 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.

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.



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