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Know your rights under the Truth in Lending Act

Truth in Lending Act: Know your rights

This bedrock of federal consumer protection requires lenders to disclose credit terms in a standardized way, and sets rules for fees and billing.

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Study: More young consumers with good credit have cards

A widening divide is developing among young consumers, as those with good credit are increasingly taking on credit cards, while those with bad credit are doing without them, according to a TransUnion study released Oct. 8

The trend is consistent with all consumers: More people of all ages with good credit have cards compared to the same group during the Great Recession. Among people with bad credit, it's the opposite: Fewer have cards than had them before the recession.

The statistics were generated from TransUnion's database of consumer credit information from 2005-2014. TransUnion is one of the three major credit bureaus in the United States.

Young consumers and credit cards

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Expert Q&A

Authorized user won't
pay for his charges


Sally Herigstad
Authorized user blackmail: A daughter adds her dad to her card, but he threatens to stop payments if she closes the card ... See Expert Q&A

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Credit Card Help

Credit Card Help 10 facts
about credit

You may have heard of credit scores and credit history, but do you know why they are important? Here are 10 things you should know about all manner of credit.

Credit card glossary terms

Credit card glossary

To default is to fail to make a payment on a debt by the due date. If this happens with a credit card, creditors might raise interest rates to the default (penalty) rate or decrease the line of credit.

Credit card quiz

Test your CARD
Act knowledge

The Credit CARD Act of 2009 ushered in a new era for credit cards. Test your knowledge of the credit card law.

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Find out what it would take to pay off your balance, the true cost of making minimum payments, whether a cash-back or low-interest card is better for you -- and more.

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'Taking Charge' blog

Kelly DilworthSmart money choices
when you're hungry?

Kelly Dilworth | 10/31/2014

The next time you go shopping, you may want to skip lunch. A new study published Oct. 23 by Plos One found that people who are moderately hungry tend to make smarter choices with their cash ... See more

Would you avoid a store this holiday season because it experienced a data breach?

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See related: Poll: Nearly half of cardholders likely to avoid stores hit by data breaches

Credit card tip of the day

Paying a card bill early can backfire if you don't make a minimum payment by the due date in each month's billing period.

Credit Score Estimator

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