All credit card news

Government workers sometimes abuse credit cards, p-cards -- A host of examples of credit card abuse by public employees shows that proper policies and regular scrutiny are needed to avoid draining public coffers and ruining public confidence. ... (more)

5 ways small biz owners can prevent employee credit card abuse -- Here are 5 steps small business owners can take to prevent unauthorized credit card purchases by employees. ... (more)

When debt collectors don't play by the rules -- When debt collectors don't reveal how much you owe, you have rights under the Fair Debt Collection Practices Act to find out how much you owe, how much you paid and what your interest rate is. ... (more)

Study: Delinquencies ramping up for those who took out mortgages recently -- It used to be that homeownership was a mark of stability, a factor that lenders took into account by opening their vaults a little wider to those who had mortgages. No more. ... (more)

France credit cards -- Our ongoing series heads to France for a look at credit card use and credit card statistics in the home of great wines and cheeses and the Eiffel Tower ... (more)

6 credit card terms you can negotiate and change -- If you have a high credit score, you may have more leverage than you think in negotiating over these six terms. ... (more)

4 tips for negotiating for better credit card terms -- Know your own value, do your research and you'll come out ahead in negotiations with your credit card issuer. ... (more)

Advocates for the blind take aim at touch-screen terminals -- For the blind, it's tough enough already to tell a $5 bill from a $20. New payment technologies such as touch-screen point of sale terminals now pose new challenges. ... (more)

Know the rules before you tap your 401(k) -- Transferring funds from a taxable retirement account into a "safer" investment vehicle can cost you if not done the right way. ... (more)

In an emergency move, the Fed cut a key interest rate by half a point -- Not waiting until its regularly scheduled meeting, the Fed cut a key U.S. interest rate by half a point in order to try to stave off the worst financial crisis since the Depression. ... (more)

August 2008 G.19 report from Federal Reserve on consumer spending -- The Federal Reserve's G.19 report, a key measure of consumer spending, showed consumers continued to pile on debt at a record-setting pace. ... (more)

Brazil credit cards -- Our ongoing series heads to Brazil for a look at credit card use and credit card statistics in the soccer-mad home of Carnaval and supermodels. ... (more)

Changing your name on credit cards after marriage -- Marriage brings plenty of change, and for many women (and a few men), the first one is your name. Tips for how to change your name on your credit cards. ... (more)

Taking on new debt in an economic downturn -- During economic instability, it is wise to reconsider the need to take on additional credit lines. ... (more)

5 secrets to smart debit card use -- Debit cards are more common now than ever. We'll give you some helpful tips to make sure you're using them in the smartest way possible. ... (more)

Auditor will review 650,000 Cap One credit card accounts to ensure money is returned -- Capital One must repay $340,000 to credit card users because the company collected old debts that had been discharged in Chapter 13 bankruptcy. ... (more)

Wachovia-Wells Fargo merger announced -- Four days after Citi announced a government-backed purchase of some Wachovia Bank assets, Wells Fargo Bank has announced a deal to merge with Wachovia. ... (more)

In times of financial uncertainty, follow timeless advice -- In this economy, it's important to keep a clear head and not heed the financial advice of all the doomsayers. ... (more)

Why students pay for college with credit cards, tips to avoid -- When money gets too tight for tuition, a growing group of students and their families break out the plastic. ... (more)

Mexico credit cards -- Our ongoing series heads to Mexico for a look at credit card use and credit card statistics in the United States' neighbor to the south. ... (more)

Plastic and terror: Study describes how terrorists use credit cards -- Terrorists are increasingly turning to credit cards, according to a study written by an expert on terror financing. ... (more)

What credit card users need to know to survive the 2008 credit crunch -- Experts advise credit card users to pay down credit card debt and wean themselves off of credit card spending. ... (more)

Balance transfer or loan? Do the math before you decide -- A reader asks which is a better way to pay off a $5,000 balance: a low-interest balance transfer card or a loan. ... (more)

US credit cards outdated, less useful abroad, as 'chip and PIN' cards catch on -- Sure, you can swipe to heart's content here in the United States. But bring that mag-stripe card to Europe and chances are it won't work as the credit card technology there is years ahead. ... (more)

Citi acquires Wachovia -- FDIC and the Federal Reserve back Citi's purchase of Wachovia Bank's retail banking assets. ... (more)

As private college loans dry up, students may turn to credit cards -- Students facing a 'perfect storm' of tight job market and fewer available loans may have to turn to credit cards to fund their studies. ... (more)

How balance transfers impact your credit score -- The ratio between how much credit you have available and how much credit is used is calculated as part of the amounts-owed category when calculating your credit score. ... (more)

WaMu is largest bank failure ever -- JP Morgan Chase says people with WaMu credit cards and ATM cards should continue to use them and pay their bills on time to the same payment addresses. ... (more)

Treasury, Ad Council team up to promote credit smarts among young consumers -- New educational campaign targets younger consumers with the message: Take control of your credit and personal finances. ... (more)

Review the new interactive credit card game -- CreditCards.com asked young consumers to review a new interactive game designed to educate 18- to 24-year-olds about credit and personal finance. ... (more)

Why getting a small business card is smart -- When starting up a small business, it's important to keep business and personal expenses separate for tax purposes. ... (more)

6 tips to avoid penalty rates -- Credit card penalty rates can double or triple your interest rates -- and substantially boost your monthly payments -- overnight. Here's how to avoid them. ... (more)

Credit card penalty rates: Mistakes that trigger default APRs -- Credit cardholders should recognize that they may be just one late payment away from credit card penalty (default) rates, and sharply higher bills. ... (more)

False debt reduction claims unfair, deceptive -- The Federal Trade Commission has reached a settlement with four companies for allegedly claiming they could reduce consumers' debts by up to 60 percent. ... (more)

Hard times require new investing, credit card habits -- In these uncharted economic waters, it is important to keep the level of credit card debt down and refrain from making large, unnecessary purchases on credit. ... (more)

12 tips for automatic bill paying -- If managed well, using your credit card or your online bank account to pay your bills online is a great idea that could manifest in anything from free plane tickets to actual cash back rewards. ... (more)

Deadline passed for free TransUnion credit monitoring -- Sept. 24 was the final day for members of the public to sign up for free credit monitoring. ... (more)

Pro-consumer credit card bill passes in U.S. House vote -- The U.S. House of Representatives voted 312-112 to pass a controversial bill that would give credit card users more consumer protections. ... (more)

India credit cards -- Our ongoing series heads to India for a look at credit card use and credit card statistics in one of the world's fastest growing countries. ... (more)

Key vote on Credit Cardholders' Bill of Rights comes today -- The full U.S. House of Representatives is expected to consider the Credit Cardholders' Bill of Rights bill today. ... (more)

The pros and cons of charging a luxury car on your credit card -- While charging a luxury car on your credit card may yield a lower interest rate, the risks are higher than a traditional fixed rate loan. ... (more)

You think your credit smells? Cards with aromas issued -- Smell experts -- yes, there are some -- say the aromatic cards could excite the emotions and cause us to spend more. ... (more)

Ignoring outstanding debt won't make it go away -- Unpaid credit card debt won't magically erase itself from your credit report after a certain time -- it will impact your life for decades. ... (more)

Despite early controversy, payment cards for immigrants continue to roll out -- Issuing credit cards that didn't require Social Security numbers sparked controversy in 2007. In 2008, banks go after immigrants' business with reloadable prepaid cards instead. ... (more)

Job losses pushing up credit card debt delinquencies -- The American Bankers Association's Economic Advisory Committee predicts a mild recession during the closing months of 2008; job losses are fueling credit card debt delinquencies. ... (more)

Compare today's 0 percent balance transfer offers -- Comparison chart shows that 0 percent introductory periods are shorter, fees tougher to dodge. ... (more)

Are 0 percent APR balance transfer credit cards doomed? -- Consumers' mailboxes used to be flooded with offers for balance transfer credit cards with lengthy introductory interest periods of 0 percent. Not anymore. ... (more)

Australian credit cards and statistics -- Our ongoing series heads Down Under for a look at credit card use and credit card statistics in Australia. ... (more)

Make your pension generate income beyond your death -- When you die, your pension dies with you or you can purchase life insurance with a portion of your pension, leaving behind an income for your spouse and inheritance for your heirs. ... (more)

Federal Reserve leaves key interest rate unchanged -- Despite recent stock market weakness and trouble in the financial sector, the Federal Reserve left a key short-term interest rate unchanged Tuesday. ... (more)

10 questions to ask about layaway plans -- Looking to layaway? Here are 10 questions to ask that will help you find a good layaway plan -- and avoid those that should be thrown away. ... (more)

Pummeled by plastic, layaway struggles to survive -- Though largely erased by the rise of the credit card, layaway programs haven't vanished completely. You just need to know where to look. ... (more)

Credit card debt up, delinquencies down in Q2, report says -- Americans had more average credit card debt and delinquencies were down slightly during the second quarter of 2008. ... (more)

Electronic voting by ATM idea hasn't caught hold -- After 2000s contentious election fades into the chaddy past, so does the call to use the banking system's ATM networks as voting machines. ... (more)

Laid off, but stuck with corporate card bill -- A recently laid-off employee, who turned in his corporate credit card, is receiving bills for charges on his old card and wonders who is liable for the debt. ... (more)

Prepaid cards need safeguards against bank failures, groups say -- A coalition of consumer groups is asking for emergency provisions to protect funds held on prepaid debit cards. ... (more)

Consumer groups ask FTC for tougher gift card protections -- Consumer groups filed a petition Thursday asking federal regulators to do more to keep consumers from losing money on gift cards from bankrupt retailers. ... (more)

Should you sign your credit card or write 'See ID' on it -- Writing 'See ID' in lieu of a signature is supposed to make a credit card invalid, but the reality is different. ... (more)

How credit card balance transfers affect your credit score -- When a consumer is faced with a high-rate card, switching to a lower-rate card is smart, if you do it right. ... (more)

Court orders halt to Texas couple's credit repair operations -- The Federal Trade Commission has filed a complaint against a Texas couple for falsely claiming to repair credit records. ... (more)

Credit cards around the world: South Africa -- The first in a series showcasing information about credit card use in nations throughout the world. We begin with South Africa. ... (more)

How wage garnishment works -- and how to avoid it -- Ignoring outstanding credit card debt can take a bite out of your paycheck as judgments for wage garnishments can follow. ... (more)

Witnesses call for federal legislation at Senate hearing on prepaid calling cards -- Got a minute? Too many prepaid cards don't deliver the ones they promise, witnesses told a U.S. Senate committee. ... (more)

FTC wins suit against debt management company -- AmeriDebt Inc. and DebtWorks Inc. allegedly scammed consumers by claiming to be nonprofit organizations and keeping money that should have gone to pay off consumers' debts. ... (more)

What is debt reaffirmation? -- Reaffirming a loan can be necessary, but too many consumers say debt collectors tricked them into doing it accidentally. ... (more)

6 bad reasons debtors reaffirm debt -- Emotions, lack of knowledge and even deception can play a role in a debtor's decision to reaffirm a debt. ... (more)

9 questions to ask before you reaffirm an old debt -- You need facts to decide whether to reaffirm a debt. These questions will ferret them out. ... (more)

Life insurance is for the living, not for credit card debt -- An adult child wants to use her elderly parents' life insurance proceeds to pay off her credit card debt -- before they die. ... (more)

Merchants struggle to secure user data, deter identity theft -- The battle to secure your data never ends. That's why the credit card industry imposes mandatory security standards on merchants, processors, manufacturers of PIN entry devices and application developers. ... (more)

5 steps to avoid identity theft at the register -- Here are some steps you can take to make sure that you aren't victimized by credit card fraud when using your card in person at a retailer. ... (more)

Free credit report -- how to get the actual free ones -- The federal government has mandated the three major credit bureaus give free credit reports to consumers at least once per bureau per year. Here's how to get yours. ... (more)

Fed's G.19 report shows card debt rose slightly in July -- Credit card balances increased in July, according to new figures released by federal banking regulators. That slight uptick is due to the fact that economic woes are making it more difficult for cardholders to pay off existing balances, according to analysts. ... (more)

Can you really afford that car loan? -- Buying a car with a high interest rate loan can get burdensome down the road -- especially if hard times hit and you're stuck with a loan worth more than the car. ... (more)

Severe debt can cause depression and even suicide -- Getting depressed over an increased debt load is normal, experts say, but some people just can't seem to dig their way out and become so despondent they contemplate or attempt suicide. ... (more)

Identity theft sample letters -- If you've been a victim, this step-by-step guide and set of printable letters can help retrieve your name. ... (more)

Can credit repair companies ruin your credit score? -- With $23,000 in credit card debt, can a credit repair company erase or reduce that debt legally without hurting your credit score? ... (more)

Credit card scam: credit card shaving -- Forget high-tech hacking. This credit card scam relies more on X-Acto knives and glue sticks than wi-fi and laptops but can help criminals steal your money just the same. ... (more)

American Express tops customer satisfaction chart in J.D. Power survey -- J.D. Power 2008 customer satisfaction survey ranks the top 18 credit card issuers. ... (more)

Establish retirement priorities when paying off debt -- Using retirement funds to pay off high-interest credit card debt? Not such a good idea, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Pros and cons of using social lending for credit card debt consolidation -- Social lending can be a good choice for consolidating and retiring credit card debt, but has drawbacks ... (more)

How to use social lending to consolidate credit card debt -- Shedding credit card debt is the most common cause that people seek loans on 'social lending' sites such as Prosper. ... (more)

Patience is key to credit score repair -- It takes time and patience for your credit score to rise after you pay off neglected credit card debt, says CreditCards.com columnist Todd Ossenfort. ... (more)

Pregnancy or paying down debt? How to fit a baby into your financial future -- Your heart -- or your ticking biological clock -- says it's time to have a baby. Your credit card bill, however, may be saying something else. ... (more)

It's fraud when an ex opens credit cards in your name -- It's theft when an ex uses your Social Security number to open credit cards in your name, and should be reported to the police and credit bureaus. ... (more)

More gas stations offer discounts to customers who pay with cash -- Many gas station owners, struggling under the weight of rising credit card fees, are offering discounts to customers who pay by cash. ... (more)

Poll: Snooping and arguments go along with joint credit -- Sharing a credit card account? Expect arguments, snooping and maybe canceling a card, says a new CreditCards.com poll. ... (more)

Graphs: Snooping and arguments go along with joint credit -- Graphs of CreditCards.com 'Taking Charge' survey on sharing credit card accounts. ... (more)

When is the right time to retire a student credit card? -- If your student credit card has a low credit limit and high interest rate, you should look to graduate to a better card. ... (more)

Inheritance strategy: Pay off credit cards, evaluate the mortgage -- When you inherit money, it's important to pay off debts, starting with those carrying the highest interest rate. ... (more)

Back-to-school credit card advice for students, parents -- Tips for financing the school year, dealing with credit wisely and learning how to finance post-graduation life. ... (more)

Opting out of a credit card rate increase? Keep records! -- When opting out of a credit card interest rate increase, it is critical to keep copies of your letter and mail receipt in case the issuer decides to up the rate again. ... (more)

Protect your computer -- and your identity -- on campus -- Students heading to college need to take precautions to protect their computers and the sensitive information they contain. ... (more)

10 ways students can protect against identity theft -- Campuses are often a young adult's first step away from the safety of home, so they need to raise their technological guard. ... (more)

Unpaid car lease fees can ruin your credit -- When the lease is over, but over-mileage fees remain, don't leave them unpaid or your credit will take a big hit. ... (more)

Good dog, bad bill: Veterinary care financing options -- Pet owners have more veterinary treatment choices than ever, which is good for pets, but can strain on finances. We review the payment options. ... (more)

How Americans pay for college: A lot of borrowing -- Credit cards are rarely used to pay college costs, a new survey says, and when they are, it's mostly out of desperation. ... (more)

When a spouse dies, how do you pay off their debt? -- When a spouse dies, how debt becomes your responsibility ... (more)

CreditCards.com 'Taking Charge' survey, part 2: People adapt card use to changed economy -- A new CreditCards.com survey suggests the financially fit are surviving the economic downturn, but others are not. ... (more)

CreditCards.com 'Taking Charge' graphs, part 2: People adapt card use to changed economy -- These graphs show how Americans are adapting to a changed economic landscape. ... (more)

10 ways students can build good credit -- A good credit score is more important than ever, and experts say following these 10 steps can put a student on the right credit path. ... (more)

Cancel that credit card, take the credit score hit -- Yes, canceling a credit card can hurt a credit score, but it's worth it if you're struggling, says The Credit Guy. ... (more)

Tinsel meets plastic: Top 10 Hollywood credit card movies -- Plastic plays a key role in these films -- and teaches money lessons, too. ... (more)

Before you refinance, clean up your credit score -- When refinancing your home, it's best to check your credit score for errors or delinquencies so that any dings can be repaired before you apply for the loan. ... (more)

When a medical crisis empties retirement funds -- What steps to take to restore retirement funds after a medical crisis. ... (more)

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (more)

Fees, the economy and gas prices are threatening frequent flier programs -- Fees, the economy and gas prices are threatening frequent flier credit card programs. ... (more)

The evolution of frequent flier credit cards and programs -- Airline frequent flier programs as we know them today began in early 1981, when the only way to earn miles was through flying. In the late 1980s, the first airline credit card made its debut. ... (more)

Airline frequent flier fees and rules -- The airline industry is changing and frequent flier award tickets are no longer free. Here is a chart of fees you can expect to pay if you plan to cash in your air miles. ... (more)

Hiding credit card debt -- The exact number of men and women who hide credit card debt from a partner isn't known, but anecdotal evidence and interviews with financial planners suggest that the problem is widespread. ... (more)

Tips for uncovering, dealing with hidden credit card debt -- If you find a loved one has hidden debt, you could scream, fight or even ask for a divorce. Experts, however, say there are better choices. ... (more)

Add positive information to your credit report to balance the negative -- To help boost your credit score after paying off delinquent accounts, you need to add some positive information to your credit report that will help balance the negative. ... (more)

Could you live without credit cards? Here's how some people do -- Forgoing credit cards and leading a cash-only lifestyle today seems as foreign as mailing a handwritten letter: We know some people do it, but it's hard to understand why. ... (more)

Will cashing in retirement funds help my credit score? -- To Her Credit columnist Sally Herigstad advises a reader not to cash in all of her retirement in order to pay down credit card debt in an attempt to raise her credit score. ... (more)

Fed's G.19 report shows card debt rose sharply in June -- Credit card activity continued to surge in June, according to new figures released by federal banking regulators. Analysts say consumers are relying on credit cards for increasingly costly expenses as other lines of credit remain unavailable. ... (more)

Buying investments with credit cards? It's unavailable, and unwise -- Laws and regulations exist that determine and limit how much you can use borrowed funds (including credit cards) to purchase investments. ... (more)

Even credit card purchases at home may now trigger 'international' fee -- Credit card purchases may be 'international,' even if you aren't. ... (more)

Fed leaves rates unchanged; card rates to stay put -- The Federal Reserve, as expected, left a key interest rate unchanged. ... (more)

Interactive guide: Learn to read, understand your credit report -- This interactive guide displays an example of a personal credit report and explains how each part works. ... (more)

Do airline rewards programs trump cash rewards programs? -- With credit card rewards programs so prevalent, The Credit Guy Todd Ossenfort weighs the benefits of frequent flier programs versus cash back rewards programs. ... (more)

Many airlines now accepting plastic for in-flight purchases -- Weary travelers, take heart. On most airlines, you are now free to pay for your in-flight Heineken or Harry Potter movie with your credit card. ... (more)

Steps to take when collectors violate your rights -- As a credit card account authorized user, you have no financial responsibility for this account, and the bank knows it. That doesn’t stop unscrupulous companies from trying to collect, however. ... (more)

6 tips for financing a funeral -- Planning a funeral on the heels of a loved one's passing -- especially when the loss is unexpected -- is one of the toughest things you can go through. Still, despite the time crunch and emotional upset, there are steps you can take to control your costs. ... (more)

Financing a funeral: All options have pluses, minuses -- What is the best way to pay for funeral expenses? All the methods of paying have pluses and minuses. ... (more)

Key Congressional committee passes Credit Cardholders' Bill of Rights -- The House Financial Services Committee voted along party lines to pass a bill to rein in the credit card industry. ... (more)

Authorized user 'piggybacking' for better credit score given reprieve by FICO -- A controversial score-raising technique that had been slated for phase-out gets new life. ... (more)

What to do when a family member forges credit card applications in your name -- When a family member forges your name on credit card applications, you have two choices: Pay the bill or prosecute, says Maturing Loans columnist Alan Klayman. ... (more)

Shariah-compliant credit cards become more common -- As credit card companies reach out to specific groups by offering credit cards with ties to everything from charities to pro sports teams, they are also actively pursuing a group of people who have traditionally shunned credit cards because Islam forbids paying interest. ... (more)

Steps to take to repair your credit -- When repairing your credit score, it's best to just start making payments on bad debt rather than trying to negotiate the balance down, says Todd Ossenfort, 'The Credit Guy.' ... (more)

Lending crisis leads to cutting credit limits, hurting consumers' scores -- Cowed by the lending crisis, card issuers are quick to cut credit limits, an act that lowers the ratio of used to available credit, which hurts credit scores. ... (more)

What to do if a credit card issuer cuts your credit limit -- You have alternatives to regain your limit -- and a higher credit score. ... (more)

Understanding the Servicemembers' Civil Relief Act -- a law that eases debt burden for active military -- The Servicemembers' Civil Relief Act -- born in 1940 as the Sailors' and Soldiers' Civil Relief Act -- aims to ease the debt burden for those called to actively serve. ... (more)

Stepping up for America's military men and women -- While federal law guarantees some debt relief for soldiers, many top credit card issuers ease the burden of debt for active military by offering protections significantly beyond what the law requires. ... (more)

How one spouse's good credit score can boost a poor credit score -- There are ways your good credit score can boost your spouse's poor credit score, but make sure you both set up solid financial goals first and don't stray from the plan, says To Her Credit columnist Sally Herigstad. ... (more)

What consumers can do when 'minimum purchase' and other credit card rules are bent -- Ever wonder whether it's really OK for merchants to post signs saying 'Minimum credit card purchase $5'? Find out what the rules are and what consumers can do when the rules are violated. ... (more)

Low interest rate and rewards credit cards can put cash back in your pocket -- With food and gas prices escalating, Americans need to budget more carefully than ever before, including resisting the short-term solution of charging up debt on credit cards. ... (more)

What happens to credit card debt if a bank fails? -- If a card-issuing bank were to fail, consumers would still owe the money and have to pay it -- but to someone else. Terms might change, too. ... (more)

Unemployment benefits switch from paper to plastic -- With jobless rates rising, more and more Americans are entering their state's unemployment insurance maze. Just don't expect to receive the traditional paper check if you find yourself needing assistance, as nearly half of the country has started delivering these benefits through debit cards. ... (more)

When is a credit card's 'fixed rate' not really fixed? -- If you sign a credit card agreement with an issuer that claims to practice 'universal default,' your 'fixed' interest rate can be raised at any time. ... (more)

When is a debt too old for collection? -- Saddled with an 8-year-old credit card debt, a senior citizen living on just Social Security wants to know what her rights are. ... (more)

Don't hide credit woes from children, family -- How much should you tell your children about your financial difficulties? Experts say parents should let children know when the family is facing hard times, and maybe get the kids to help out. ... (more)

Proposed credit card rule changes draw massive public comment -- Consumers have turned out in force to support proposed Fed rules reining in the practices of credit card issuers. ... (more)

Does it pay to reduce card debt before death? -- A reader faces terminal illness and significant credit card debt. She wonders if the debt, since it is unsecured, will have to be paid out of her estate when she dies. ... (more)

13 greatest credit card songs: How cards, debt are seen in popular music, songs -- Songs about money are a dime a dozen. But where's the love for credit cards? We found it. Here are 13 songs by everyone from George Strait to Whitney Houston. ... (more)

Foreign transaction fees and rules for the top credit card issuers -- Here are the foreign transaction fees, also known as currency conversion fees, charged by top American credit card issuers to consumers who travel abroad. ... (more)

How to dispute a credit card bill with a merchant -- Dissatisfied with a merchant's product or service? If you do it right, your credit card issuer may step in to help. ... (more)

After creating a debt management plan, stick to it -- CreditCards.com columnist Todd Ossenfort strongly recommends that once you're in credit counseling, stick to the goals set up in a debt management plan and avoid temptation to get into more debt. ... (more)

Is selling your house to pay down debt a good idea? -- A reader who has $75,000 in credit card debt wants to know if selling her house to pay off debt is a good idea. ... (more)

Don't say 'I do" to bad credit: Navigating financial waters before you say 'I do' -- With financial mismanagement topping the list of reasons why couples seek divorces, experts say it makes sense to check out your partner’s creditworthiness. ... (more)

12 debt questions to ask before getting married -- Before you say, "I do," you should get to know each other's financial health, and nothing says it better than your credit report. Here are 12 questions to ask your betrothed. ... (more)

Who's responsible for a deceased spouse's card debt? -- When a spouse dies, credit card debt may or may not be passed along to a widow. ... (more)

Fed's G.19 report shows credit card use rebounded in May -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward/downward in May 2008. ... (more)

Poll: Credit card debt the new taboo conversation topic -- Religion, politics and sex, move over. Discussing credit card debt is the new taboo. People would rather talk about anything -- their weight, their health problems, the death of a loved one, even details of their love lives --- rather than talk about their credit card debt. ... (more)

Auto manufacturer reward credit cards: a car deal on wheels? -- Many of today’s credit cardholders aren't interested in just any old rewards -- they're holding out for perks that come in the form of brand-new, all-leather-interior, fully loaded, shiny status symbols to adorn their driveways. ... (more)

Canceling a credit card vs. keeping a bad one: Compare costs -- Weighing the true cost of canceling a credit card with an annual fee: How much will it hurt your credit score? ... (more)

To detect fraud, credit card issuers monitor all your purchases -- Credit card company fraud departments monitor their cardholders purchases to detect unusual patterns or purchases. ... (more)

Statute of limitation for credit card debt, all 50 states -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states, plus the District of Columbia. ... (more)

Five-year-old credit card debt has debt collectors calling -- With a job loss and 5-year-old credit card debt and only Social Security income, a reader needs a lot of help -- starting with knowing her rights, says Maturing Loans columnist Alan Klayman. ... (more)

Rent a car with debit card or cash? Expect to try harder -- A CreditCards.com survey of 45 car agencies across the U.S. finds you can rent a car without a credit card, but you have to jump through more hoops. ... (more)

Credit checks for job applicants become more common -- Increasingly, job hunters are required to allow credit checks during the application process. It's legal, but the applicant has rights, too. ... (more)

VantageScore credit score product combines three scores into one -- The VantageScore, introduced in 2006, credit scoring product combines Equifax, Experian and TransUnion credit scores into one score. ... (more)

Credit card secrets: How bagging and licking make cards work better -- It's gross, but licking a credit card's magnetic stripe can make it scan in a reader. We explain why. ... (more)

Improve your credit score by keeping credit card balances low -- Experts now say you should be using no more about 50 percent of your available credit -- not the 67 percent you are using now. ... (more)

Credit repair good guys: How to find legitimate reselling and rescoring firms -- Credit repair firms say they can boost your credit score, but it's credit resellers who do the job for less hype, less money and less mystery. ... (more)

More colleges offer courses in money, debt management -- Basic personal finance is not typically on the short list of required college courses, but universities are realizing that the more they teach students how to manage their money now, the more prepared they are to ward off debt in the future. ... (more)

Balancing rising expenses against a fixed income -- When investing in retirement property, make sure you calculate how rising future real estate taxes will impact the expense of ownership over time. ... (more)

Adulthood, legal rights and credit cards: Turning 18 with a credit card -- At 18, young adults can apply for credit. Can you -- or your teenage son or daughter -- handle it? ... (more)

Micropayments: a strategy to cut credit card debt -- Big credit card bill too much to handle? Try multiple monthly payments. It can whittle debt faster and align billing with paycheck. ... (more)

When a family member steals your identity -- Here are the steps you can take when a family member steals your identity to open credit accounts in your name. ... (more)

Retired, with $70,000 in credit card debt -- Tips on how to reduce astronomical credit card debt on a fixed income. ... (more)

Rules for merchants handling credit card data -- Safety concerns for consumers' credit card information prompt changes in the way businesses handle data. ... (more)

Evils of 'fee harvesting' credit cards known for a long time -- Consumers should beware of cards that charge upfront fees and carry low limits. ... (more)

Tips for choosing fee harvesting credit cards -- People with bad credit may have few options for getting a credit card. Experts advise doing a lot of research before signing up for fee harvesting credit cards. ... (more)

A late start retirement plan: Use tax advantaged savings options -- Save up for retirement at any age with tax advantaged retirement plans. ... (more)

5 sneaky credit card tricks -- and how to beat the bank -- Just like Three-Card Monte, these tricks can clean out your wallet faster than you can pick a card, any card. ... (more)

Retail rewards cards: Stores give points and more -- Department store credit cards used to offer one-time discounts. Now they offer a variety of ongoing rewards in an effort to build loyalty. ... (more)

Saving for emergencies, retirement come before paying off credit card debt -- Creating an emergency fund and contributing to your retirement fund should always come before paying off credit card debt. ... (more)

Charging up a storm before filing bankruptcy is considered fraud -- Thinking of loading up your credit cards before you file bankruptcy is considered fraud. ... (more)

Business credit scores: What they are, how to boost yours -- Just as an individual has a credit score, so does a business. As with individual scores, the number determines whether your business gets credit and at what rate. ... (more)

Lunch money goes cashless in many school cafeterias -- Getting your lunch money stolen is so 20th century. Today's school students pay for school lunches with ID cards and fingerprint scanners. ... (more)

Relatives must be careful when asked to co-sign on a credit card. -- Relatives must be careful when asked to co-sign on a credit card. ... (more)

Tips for comparing gas cards and escaping high fuel prices -- We'll help you cope with the rising cost of gas, beware pump-side scams and learn smart ways to finance fuel costs. ... (more)

Consumers could see refunds from $200 million for 'fee harvesting' credit cards -- Federal regulators are seeking $200 million in restitution for consumers from a major credit card marketer and two banks for how they marketed and issued subprime credit cards. ... (more)

Overall consumer credit (revolving and nonrevolving) rose 4.2 percent in April 2008 to $2.56 trillion -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward at an annual rate of about half a percentage point percent in April 2008. ... (more)

Credit card issuance a matter of black and white? -- Do all Americans really have equal access to credit cards or are some groups more likely to be granted credit than others? A study found where you live may play a key role in whether you're granted a credit card. ... (more)

When your parents' debt problems need attention -- Seniors can easily become overwhelmed with credit card debt. Here's some advice how to help them. ... (more)

Eight ways to get gift cards for less -- Use these techniques to pay less than face value or boost buying power of a gift card. ... (more)

Using a debit card for travel: problems and risks -- Debit cards are popular, but are not always the best choice for travel. ... (more)

Credit card rewards programs: Read the fine print to avoid pitfalls -- Cardholders must read the fine print to understand clearly how their credit cards programs work. ... (more)

Setting up investments to create guaranteed income in retirement -- Maturing Loans columnist Alan Klayman weighs the benefits of creating an income strategy in retirement against the standard investment strategy. ... (more)

Contactless credit cards' future in doubt -- Contactless credit card technology is supposed to be the wave of the future. So far, according to experts, few seem to care. ... (more)

Helping your college-age child establish credit -- Students with their first credit card can be dangerous, so parents of should help their college-age children create a spending plan, says The Credit Guy. ... (more)

Dividing credit card debt in divorce -- In divorce decrees, one party often agrees to pay off a jointly held debt. But if your ex turns out to be the deadbeat you always said, creditors will come after you, too. ... (more)

9 tips for dividing credit card debt -- Got credit card debt? Going through a divorce? These steps will help you cope -- and not get stuck with your ex's tab. ... (more)

3 things you should never check daily: your weight, your stocks and your credit score. -- There are three things you should never check daily: your weight, your stocks and your credit score. ... (more)

Poll: Gas prices causing people to cut visits to family, friends -- More than half of Americans say they've cut down on visiting family and friends due to gas prices, a CreditCards.com poll reveals. ... (more)

Do-it-yourself credit cards studied -- Based on her research of low-income women, a Harvard lecturer says they would be better served by a 'self-directed credit card,' allowing them to set their own credit card limits and restrictions. ... (more)

One-stock investments are risky ventures in retirement -- Maturing Loans columnist Alan Klayman advises against the one-stock retirement bet and says the best way to generate income is through a well-planned income strategy. ... (more)

The real dirt on celebrity credit cards -- We'll buy their branded clothes, their branded perfumes, their branded sheets -- but we won't use their branded cards to buy them. Why celebrity cards haven't found a place in our wallets. ... (more)

Are you a credit card rookie? Here's how credit cards work -- There are all kinds of credit cards with all kinds of different rules. Make sure you pick the right card for you. ... (more)

Credit card travel tips -- From airline frequent flier miles to foreign currency conversion, know the rules of the road before you hit the road this summer. ... (more)

GAO report: Federal government pays massive credit card fees, too -- Just like gas station owners and other merchants, the federal government pays interchange fees for credit card and debit card transactions -- and its bill is huge, says a new GAO report. ... (more)

Credit cards and terrorism: How terrorists use cards -- Interviews with terrorism experts and readings of case studies from around the world reveal that the credit cards have become a favored tool of terrorists. ... (more)

Are you smarter about credit cards than a fifth grader? -- You may be surprised at how closely a child's view of the credit card world comes to the actual way plastic works -- as opposed to the carefree convenience touted in most credit card television commercials. ... (more)

In retirement, the thinking about retirement and income changes -- In retirement, the thinking about retirement and income changes ... (more)

Cashless campus 2.0: Student IDs evolve into multiuse payment systems -- Today's student ID cards open doors to dorms and labs, earn discounts with local merchants, sub-in for loose change at vending and copy machines, and even help with the laundry. ... (more)

3 must-ask questions for multiuse campus / student ID cards -- Campus cards, like anything involving money, are not free from potential pitfalls, and the cards' fees and policies can be as different as Buckeyes and Wolverines. ... (more)

Authorized user or joint account holder? -- There are major differences between an authorized user and joint account holder for credit card accounts. One is liable for unpaid balances and the other is not. ... (more)

Compare credit card rental car insurance coverage: Policies vary widely -- Credit card companies' policies vary sharply, so don't always be quick to turn down rental car agencies' optional coverage. ... (more)

Free credit report and notice of potential interest rate hikes could be required in proposed new rules -- New proposed rules would require credit card issuers to send notices and provide free credit reports when consumers are subject to interest rate hikes based on credit reports. ... (more)

Top 10 ways students ruin their credit -- College can be a great time to enjoy independence and build a foundation for the future, or an opportunity to begin their careers with unnecessary credit card debt. ... (more)

8 tips for squeezing the last dollar out of a budget -- It's tough to make ends meet on a fixed income. To do it, you have to squeeze the spending hard as you can, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Business credit cards: 5 ways to avoid being stung -- Compared to business loans, credit cards are easy to get. But that makes them easy to abuse, too. Here are 5 ways to avoid getting stung. ... (more)

Small business is big business for credit card companies, lending institutions -- Small business is big business for credit card companies, lending institutions. ... (more)

Vacation, travel plans: Charge to credit card, easier to recoup losses -- Recouping your money if your trip is canceled is much easier with credit cards than if you paid with cash or by check. ... (more)

Questions to ask to check out your credit counselor's credentials -- Before you hire a credit counselor, make sure you check out their credentials. ... (more)

Fed backs rules to curb deceptive credit card practices -- Federal banking regulators are taking unusual steps to protect consumers from unfair and deceptive trade practices in the credit card industry. ... (more)

Two years behind on credit card payments -- How do you even begin to pay back credit card debt that is two years old? ... (more)

Your credit card personality: The Diva / Big spender -- You work hard. You play hard. You like the best of everything. After a tough day at work, you'll tell yourself you deserve a treat, whether it's a new pair of shoes or the latest gadget on the shelf. Many of your purchases are impulse buys. Occasionally, this gets you into trouble when your purchases extend beyond your financial means. ... (more)

Before picking a credit card, know your financial personality -- With the dizzying variety of credit cards today, it can be tough to choose. Knowing your financial personality can help sort it out. ... (more)

Your credit card personality: The Futurist -- You're willing to sacrifice short-term pleasure for long-term gain. You've got your finances under control, you don't often feel the need to splurge, and you like to think carefully about the best way to spend your money. ... (more)

Your credit card personality: The Newbie -- You're finally out on your own -- so now what? You're inexperienced with credit and while you're ready to test the waters, you don't want to get in over your head. You're probably busy with school, a new job or a new place to call home, so keeping an eye on your finances may not feel like your top priority. ... (more)

Your credit card personality: The Better Man/Better Woman -- Even if you don't always make perfect decisions, you're a quick learner. You've gotten in credit trouble in the past -- perhaps it was after losing your job, getting ill or making careless mistakes when you were younger. You carry a balance, but you've turned over a new leaf and are working hard become debt-free. ... (more)

Your credit card personality: The Veteran -- You're responsible, organized and rarely get in over your head, financially or otherwise. You know your way around a budget, you've got good credit and you pay your bills on time and in full. ... (more)

Your credit card personality: The Avoider -- The less you know about your finances, the better. You get uncomfortable talking or even thinking about money. You let your bills stack up because you feel a sense of dread opening them up. ... (more)

Extreme credit card limits -- One of the cardinal rules of responsible credit card usage is to apply for only as much credit as you need. A sizable group of consumers take a different approach: Apply for as much credit as you can get. ... (more)

Fed cuts rates; will your credit card bill fall, too? -- The Federal Reserve's rate-setting committee, in an effort to rejuvenate the economy, trimmed a key short-term interest rate Wednesday, this time by one-quarter of a percentage point. ... (more)

Entering retirement with credit card debt -- Carrying credit card debt into retirement requires a plan. ... (more)

Credit card securities may be in for rough times ahead -- Securitized credit card receivables -- the fuel that drives credit card issuance for major banks -- may falter as credit card defaults rise. ... (more)

How credit card securities work -- Major credit card banks sell millions of accounts to special trusts that issue bonds repaid with monthly credit card payments from account holders. ... (more)

Credit card etiquette: How to politely win credit disputes -- Etiquette experts say that when credit disputes and problems arise, don't reach out and crush someone. Win with courtesy. ... (more)

Self control and credit cards -- Don't shun credit because you've had trouble with overspending in the past. A strategy of taking on credit in small doses is better for you, says Sally Herigstad. ... (more)

Credit issuers becoming less willing to cut deals with debtors -- Credit counseling agencies could once negotiate lower interest rates on behalf of debt-ridden clients. But credit card issuers are no longer willing to be as forgiving. ... (more)

Compare and analyze investment choices after retirement funds are maxed out -- With extra cash on hand, is it best to invest in paying down the mortgage or investing in mutual funds? Maturing Loans columnist Alan Klayman knows. ... (more)

Environment survey: Americans not so eco-friendly with credit cards -- Americans may well be more environmentally conscious these days, but not if it means making major changes in how they use their credit cards, a CreditCards.com national survey shows. ... (more)

Artists recycle credit cards into craft creations -- Some creative crafts people are happy to breathe new life into old cards -- and are doing their part to keep that plastic from heading to the landfill. ... (more)

Credit inquiries and your credit score -- The Credit Guy explains how credit inquiries negatively impact your credit score and how long these inquiries remain on your credit report, as well as advises readers to not needlessly shop for credit. ... (more)

6 tips for dealing with binding mandatory credit card arbitration -- You're probably stuck with binding mandatory credit card arbitration. But these tips will help you cope. ... (more)

Credit card arbitration: What it is, how it works -- If you have a credit card, it's likely you've given up your right to sue if a dispute arises. Most card companies impose mandatory arbitration. ... (more)

How to ask for a lower credit card interest rate -- A reader asks To Her Credit columnist Sally Herigstad just how to go about asking for a reduction in her credit card APR. ... (more)

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. This collection of articles and interactive features contains environmentally friendly information about how to use credit cards to help save the planet. ... (more)

'Green' credit cards reward the environment -- This interactive feature contains information about numerous 'green' cards, credit cards that use rewards points and money to benefit the environment. ... (more)

Retired, with too little income and too much in property taxes -- Living just off her Social Security income, a 72-year-old woman asks columnist Alan Klayman how to go about paying her property taxes on such a small fixed income. ... (more)

A 'green' snapshot: How some U.S. banks are making environmental eco-friendly moves -- A 'green' snapshot: How some U.S. banks are making environmental eco-friendly moves. ... (more)

More landlords accepting rent payments by credit card -- While acceptance is hardly universal, a growing number of landlords allow paying rent by credit card. ... (more)

Is your credit card ripe for fraud? -- When credit card account information is stolen, the thief uses your card information to request a change in the billing address and an additional card. The thief can then use your account for as long as it takes you to realize that your card has been compromised. ... (more)

How to handle collection calls for a dead person's debt -- After a death, creditors may come calling. Here's what to say. ... (more)

What happens to credit card debt after death -- When someone dies with credit card debt, state laws and the original contract terms dictate who owes, and what must be paid. ... (more)

To co-sign or not to co-sign -- A mother wants to help her daughter buy a house, but due to the daughter's bad credit, will have to co-sign the loan. 'To Her Credit' columnist Sally Herigstad weighs the benefits and the risks of co-signing on someone else's loan. ... (more)

How 'cashless' trend affects those who rely on cash -- In a society that increasingly relies on payments by plastic, some who depend on the actual paper dollar have to adjust. ... (more)

Airlines increase frequent flier sign-up bonus rewards for credit cards -- As lenders and airlines compete for the prized frequent flier demographic, credit cards are offering bigger and better airline mileage extras to woo new customers. ... (more)

Tax smarts: Maximizing income tax returns -- This series of articles will help you file your taxes and get the most out of your income tax returns. ... (more)

How to maintain retirement lifestyle while managing debt -- Debt complicates the calculation on how much you'll need to retire in comfort, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Automobile gas cards popularity falls -- Fewer people are using one-company gas credit cards to buy gasoline for their cars. Drivers want the freedom to choose different gas and payment methods. ... (more)

Auto gasoline cards: Compare gas cards -- CreditCards.com reviewed terms and conditions for the top 29 gas credit cards and found more rewards, cash back, points and rebates -- and no annual fees. ... (more)

Credit card spending slows -- U.S. consumers slowed their credit card spending in February, according to the latest Federal Reserve release on consumer credit. ... (more)

Earth Day chores: 10 ways to go green with credit cards -- One of the best ways to go green in your daily life is to choose plastic, not paper. With credit cards, that is. ... (more)

Understanding how credit scores work -- Find out all the different elements that are considered when your credit score is compiled. ... (more)

Establishing credit after divorce -- A stay-at-home mom who finds herself divorced with no credit of her own gets a path to her own credit history from 'To Her Credit' columnist Sally Herigstad. ... (more)

Credit card extreme rewards: Card issuers get creative to reward cardholders -- As the quantity and variety of credit card offers seem to expand like options on a Chinese food take-out menu, card issuers keep searching for new ways to capture and retain customers. ... (more)

Laid off, debt climbing -- If you have savings, there are ways to decrease reliance on credit cards by setting up a short-term income strategy, says Alan Klayman in the debut 'Maturing loans' column. ... (more)

Students universities fees credit card processing costs -- With tuition costs rising and credit tightening, more students are opting to pull out the plastic to pay for their classes. Not all colleges like it. ... (more)

Improving credit to refinance a truck or auto loan -- Steps to take to build a strong credit score. ... (more)

Deep in debt? You may be able to cut a better settlement deal -- A recent drop in prices that debt buyers pay for bad credit card debts may give consumers negotiating settlements more room to negotiate. ... (more)

While paying off debt, learn investing, says 'To Her Credit' columnist Sally Herigstad -- If put off investing, you may get bogged down in trying to pay off your debts and never be able to start your portfolio. ... (more)

Pros and cons of tapping your retirement with 401(k) debit cards -- Now there's a debit card that allows you to access the funds you've saved in your 401(k). It offers flexibility for borrowers -- and scares the pants off financial planners.). ... (more)

Zodiac credit cards: What a credit card for a Pisces might look lik -- Deep down, we all want the same things: love, happiness and world peace. Wouldn't it be great if we could just buy them? Well now you can with the PiscesCard. ... (more)

What a credit card for Aquarians might be -- Apply today for this (imaginary) card and receive triple bonus points toward your next protest march or bail bond. ... (more)

Zodiac credit cards: What a credit card for a Capricorn might look like -- A credit card marketing pitch for a Capricorn might start like this: Your goal is the mountaintop. Your plan: Steady ascent. Your tool: CapricornCard. ... (more)

Zodiac credit cards: What a credit card for a Sagittarius might look lik -- You're one of the dreamers. And for dreamers like you, there's SagittariusCard. ... (more)

Zodiac credit cards: What a credit card for a Scorpio might look lik -- Inhibited you're not. So why would you call it an early night just because a few nagging bills are piling up? You need a credit card that rocks when you roll, pays when you can't and, most importantly, sleeps late when you do. ... (more)

Zodiac credit cards: What a credit card for a Libra might look lik -- Do you need a LibraCard? Probably not. Who needs any credit card, right? I mean, you've got cash and the bank just opened that nice barista station with the free chocolate spoons. ... (more)

Zodiac credit cards: What a credit card for a Virgo might look lik -- Introducing VirgoCard, the one financial instrument whose terms of use are so deeply mired in legal obfuscation that we Virgo perfectionists will never tire of trying to crack the code. ... (more)

Zodiac credit cards: What a credit card for a Leo might look lik -- Hail, King Leo! No mere mortal card for you; only the regal LeoCard will do! ... (more)

Zodiac credit cards: What a credit card for a Gemini might look lik -- Conflicted about which card to choose: A debit card that's easy to manage or a credit card that has more features? Now you can have both with the GeminiCard, the one card that's really two cards -- for you and for you! ... (more)

Zodiac credit cards: What a credit card for a Taurus might look lik -- A credit card for solid, conservative Taurus? Don't be absurd. And yet your practical Taurean nature keeps whispering maybe, maybe just one card wouldn't hurt. Just for emergencies. ... (more)

Zodiac credit cards: What a credit card for an Aries might look like -- The credit card industry has thus far missed out on one of mankind's oldest known loyalty groups, the 12 signs of the zodiac. ... (more)

What's your sign? Zodiac credit cards -- The credit card industry has thus far missed out on one of mankind's oldest known loyalty groups, the 12 signs of the zodiac. We'll fix that! ... (more)

Preparing kids for credit card management -- Individuals younger than 18 must have the permission of a parent or legal guardian to obtain a credit card -- here are ways to get them started on the plastic path. ... (more)

4 ways to safeguard personal information online -- As Internet criminals grow smarter and sneakier, it's increasingly difficult to keep your credit card and personal information safe. Here are four fundamental tips. ... (more)

Credit, credit scores and walking away from truck, auto lease -- Seven months after leasing a new truck, a woma