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Thursday, April 17th 2014

Matt Schulz

Matt Schulz

Matt Schulz is a former managing editor at CreditCards.com. In two decades in journalism, he has written for the Houston Chronicle, Associated Press, American Banker and more, as well as managing online news teams at KXAN.com (the NBC affiliate in Austin, Texas), Austin360.com and others.

Matt Schulz's stories at CreditCards.com

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 ... (See Credit cards around the world)

CreditCards.com Weekly Rate Report, Feb. 1, 2012: Credit card rates hit lowest levels in 5 months -- Interest rates on new credit card fell to their lowest levels since August 2011 this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Federal Reserve's rate-hike holiday continues -- The Federal Reserve's three-year holiday from changing interest rates continued on Tuesday, meaning that most Americans won't have to worry about a sudden credit card rate hike putting a crimp in their shopping plans ... (See Federal Reserve)

2011 gift card comparison chart -- This interactive chart breaks down gift cards offered by dozens of the nation's most popular restaurants, retailers, airlines and other businesses. That way, you can make the smartest decision when it's time to buy ... (See Gift card chart 2011)

2011 gift card comparison chart - HTML version -- This interactive chart breaks down gift cards offered by dozens of the nation's most popular restaurants, retailers, airlines and other businesses. That way, you can make the smartest decision when it's time to buy ... (See Airline gift card chart 2011)

CreditCards.com Weekly Rate Report, Oct. 12, 2011: Credit card APRs reach another record high -- Another week, another record for credit card interest rates. APRs on new credit card offers reached 15 percent for the first time in the four-year history of CreditCards.com's Weekly Rate Report ... (See Rate report)

How your FICO credit score is calculated -- Take a deep dive into the each of the five factors that make up the all-important FICO credit score. These five stories break down what you need to know to send your score soaring ... (See FICO scores in depth)

Horsing around with credit card debt: a cautionary tale -- CreditCards.com's Erica Sandberg relays a story about one memorable encounter she had as a credit counselor with someone who needed a reality check about her finances. See what you can learn from her story about Mary and her daughter's horse riding lessons ... (See Credit card debt)

Credit card interest rates move higher -- Credit card interest rates moved higher this week, according to the CreditCards.com Weekly Rate Report. ... (See Interest rates)

Video: Eliminate your credit card debt in five steps -- Got credit card debt? It doesn't have to last forever. CreditCards.com's Erica Sandberg shows you how you can escape from credit card debt in five easy to understand steps. ... (See Credit card debt video)

Federal Reserve leaves interest rates unchanged again -- The Federal Reserve kept interest rates at record lows on Tuesday, once again sparing American credit card holders an abrupt increase in their annual percentage rates. ... (See Interest rates)

2010 gift card comparison table -- Even in a tough economy, gift cards are always popular. The 2010 holiday season should be no different. Use this chart to find the gift card that's best for you ... (See Gift cards)

Credit card interest rates see 2nd straight increase -- For the second straight week, it got more expensive to get a new credit card, though only slightly ... (See Rate report)

Credit card interest rates end five-week run of increases -- The streak is over. Last week, for the first time in more than the month, the national average interest rate on a new credit card offer did not increase, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Video: How to accept credit cards at your next garage sale -- Garage sales are usually old fashioned and low-tech, but if you're selling a high-priced item such as a flat screen TV or an elliptical machine, that might not be good enough. Here are some tips that can help you accept credit cards at your garage sale. ... (See Garage sale)

Video: Replay of credit reporting, scoring Q and A with Experian -- On Thursday, May 6, 2010, Experian director of public education Rod Griffin answered your questions on credit scoring and credit reporting live via a video stream from the CreditCards.com studio in Austin, Texas. The event is now over, but if you missed it or just want to see it again,watch it here. ... (See Credit reporting)

Video: 4 easy credit card crafts -- Don't throw out that old credit card, debit card or gift card -- make something with it. CreditCards.com's Cynthia Drake shows you how to make earrings, a bracelet and a guitar pick and a decorative pin out of those old pieces of plastic ... (See Crafts)

Video: Can magnets really make a credit card unreadable? -- If you expose your credit card to a magnet, will it still work? In an earlier video, Cynthia Drake with CreditCards.com said that it would not, but some viewers disagreed. We set out to see what the truth really was. ... (See Magnets)

Credit card video: 3 fun ways to wrap a gift card -- Spice up those impersonal gift cards this holiday season with some fun, creative gift wrapping suggestions. Cynthia Drake with CreditCards.com offers some inexpensive and easy ways to make those presents more exciting. ... (See Video)

CreditCards.com's guide to online holiday shopping 2009 -- The sour economy will push more people online to do their shopping this year; these steps will help keep your experience free of cybergrinches. ... (See Shopping)

Credit card video: How to opt out of an APR increase -- The Credit Guy -- Todd Ossenfort of Pioneer Credit Counseling -- explains how to opt out of changes to your credit card agreement, specifically changes to your APR ... (See Rate increase)

Credit card video: Balance transfers and your credit -- The Credit Guy -- Todd Ossenfort of Pioneer Credit Counseling -- explains what a balance transfer is and how it can affect your credit. ... (See Balance transfers)

Credit card video: How to improve your credit score -- CreditCards.com's The Credit Guy, Todd Ossenfort of Pioneer Credit Counseling, explains the basics of a credit score and how to improve it. ... (See Video)

Consumers to get $150 million in Wachovia settlement -- Beginning Thursday, Wachovia Bank will mail out checks totaling over $150 million to more than 740,000 consumers. The payout stems from a settlement between the bank and the Office of the Comptroller of the Currency regarding acts committed by telemarketers that had relationships with Wachovia. ... (See Settlement)

Gift cards: Practicality is in for '09 -- Gift cards are still wildly popular, even as Americans struggle through the recession, but many people are rethinking how they use them. ... (See Holidays)

Turkey credit cards -- Our series moves to Turkey, a growing nation that's struggling with astronomical credit card interest rates. ... (See Turkey)

Argentina credit cards -- Our series moves to Argentina for a look at how credit cards are used in this vibrant South American nation. ... (See Argentina)

Saudi Arabia credit cards -- Our series moves to Saudi Arabia. This wealthy, oil-rich nation is slowly beginning to embrace the use of credit cards, like much of the world, but some of its traditions and customs are making their transition a bit more challenging than others. ... (See Saudi Arabia)

China credit cards -- Our series moves to China, the world's most populous nation. It's a place that drew the eyes of the world during the 2008 Summer Olympics and is experiencing a credit card boom that is almost beyond belief. ... (See China)

Russia credit cards -- Our series moves to Russia, where credit cards are becoming more popular in a traditionally cash-driven society. ... (See Russia)

Colombia credit cards -- Our ongoing series heads to Colombia for a look at credit card use and credit card statistics in this sometimes-troubled nation. ... (See Colombia)

Nigeria credit cards -- Our ongoing series heads to Nigeria for a look at credit card use and credit card statistics in this African nation. ... (See Nigeria)

South Korea credit cards -- Our ongoing series heads to Asia for a look at credit card use and credit card statistics in South Korea. ... (See South Korea)

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. ... (See Brazil)

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. ... (See Mexico)

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. ... (See India)

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

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. ... (See Global card use)


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Credit Card Rate Report

Updated: 04-17-2014

National Average 15.00%
Low Interest 10.37%
Balance Transfer 12.64%
Business 12.80%
Student 13.27%
Cash Back 14.84%
Reward 14.96%
Airline 15.30%
Bad Credit 22.73%
Instant Approval 28.00%

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