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Emily's list:
Albert Camus
edition

Many can relate to Sisyphus: We work to pay off debt, but we never quite do ... (more)

Credit card balances fall
for 12th straight month
Consumers have spent the past year living frugally, new Federal Reserve data show, and they likely won't change anytime soon ... (more)

Reform-compliant terms
unveiled by Discover
Under Discover's new credit card terms, banned practices disappear, but in some cases, "creative" new charges take their places instead ... (more)

Living off credit cards alone for a year is a terrible idea
Credit cards were never meant to replace income over a long period of time, and doing so can bring big trouble ... (more)

Issuers: New law says
we can't cut your rates
Credit card issuers turn on its head the reform law that bans sudden rate increases; they say that it also forbids quick rate cuts ... (more)

Banks keep rates steady but tweak other terms
Banks may have left rates unchanged this week, but they made some changes behind the scenes that could impact cardholders' pocketbooks ... (more)

How to replace lost
or stolen gift cards
Gift cards are great because they're a lot like cash. That's also why they can be hard to replace when they're stolen or lost ... (more)

Credit card quiz

Which credit card
is right for you?
Credit cards used to be simple, but they're not any more. So which one is right for you? This quiz will help ... (more)

Credit card tip of the day

Even if you have opted out of an APR increase, some common and easy-to-make mistakes may still trigger that unwanted rate hike, so be careful.

10 things you must know about ID theft

Identity theft is often in the news, but how do you best protect yourself? Keep these 10 things in mind to help keep your personal data safe and secure.

Erica Sandberg, columnist for CreditCards.com, explains what to expect when you visit a credit counseling agency. She also describes what you should look for in a credit counselor and how to find one that is right for you. For more clips, see our Credit Card Videos page.

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