Breaking news

Latest credit card news

 Breaking news

2016 Retail Card Survey: APRs climbing, sign-up deals fading -- Retail card offers are now more costly, as interest rates rise and sign-up offers decrease, according to a new survey ... (See Retail)

Robo-comments on payday loans clog regulation-making machinery -- A record 1 million comments on a federal payday loan rule will prolong its review, but thousands of pro-payday comments are suspiciously alike ... (See Payday)

Infographic: 'Us' cards versus 'me' cards -- In a new survey, 47 percent of Americans reported sharing all of their credit cards, while 37 percent indicated they only have separate cards ... (See Sharing cards)

Compare best sign-up bonus rewards cards -- In our survey, 6 cards deliver upfront rewards worth more than $1,000 ... (See Bonus)

Navy Federal fined $28.5 million for debt collection tactics -- Biggest US credit union strong-armed its members, CFPB says ... (See Collection)

Calculate your rewards card's value: 8-point checklist -- Take count of what you get before paying a big annual fee ... (See Value)

Brexit, pound's plunge bring a UK shopping discount -- Online shoppers can save 10 to 20 percent, and may even get free shipping ... (See Brexit)

Fed: Card balances grew $5.6 billion in August -- Credit card balances continued to surge toward pre-recession levels in August ... (See Credit)

Credit card delinquencies rise but remain near historic lows -- Cardholders have learned their lesson and pay down card debts, says the American Bankers Association ... (See Debt)

Consumer agency finalizes prepaid card regulations -- Standardized fee chart makes it easier to compare costs ... (See Prepaid)

Poll: Holiday retail season starts too darn early -- Most are annoyed at ever-earlier store decorations, but millions have begun shopping ... (See Too early)

Credit card debt down across the board -- Regardless of age, education or income, we dropped debt ... (See Debt down)

ACH network unveils same-day bill pay -- Running late on a bill? Same Day ACH enables credit card users to make same-day payments to issuers through their online banking systems ... (See Same day)

4 warning signs your college student is racking up card debt -- If your child is already in debt, or uncomfortable talking about finances, that's a yellow flag ... (See Warning signs)

Protect yourself from banks 'cross-selling' fake accounts -- Checking up on your bank requires more than reviewing account statements and standard credit reports ... (See Accounts)

APRs to stand pat as Fed puts off rate increase -- Credit card users were spared higher APRs for now, but should brace for an increase before year end ... (See Federal Reserve)

Retailers cash in on booming mobile card reader adoption -- Mobile card readers are a game-changer for former cash-only merchants ... (See Mobile card readers)

Police scanners can now freeze prepaid cards -- Law enforcement agencies can now freeze and later seize funds found on prepaid cards in suspects' vehicles within seconds. This development is leading to questions of civil rights ... (See Prepaid)

Study: Rising interest rates will impact 92 million in US -- A study by credit bureau TransUnion finds that 92 million U.S. consumers will face higher monthly payments when interest rates rise, and 9 million will struggle ... (See Rates)

9 free or cheap apps to help you get out of debt -- Becoming debt free starts with totaling all you owe on your credit cards and loans ... (See Apps)

Infographic: Online banking still tops, but mobile surges -- Nearly 60 percent of Americans used mobile banking at least once per month ... (See Online banking)

Wells Fargo's huge fine: inside the numbers -- Wells Fargo will pay $185 million for secretly opening unauthorized accounts for its customers, and that's not the only big number connected to the case ... (See Wells Fargo)

Fed: July card balances rise 3.4 percent -- Consumer card debt continues its steady climb upward ... (See Debt)

Poll: Americans don't read or understand credit card agreements -- Asked to describe the agreements in one word, we use bad ones ... (See Poll)

Study: Credit card agreements unreadable to most Americans -- Despite a U.S. campaign for simplicity, contracts remain indecipherable, written at a grade level beyond the Average American's understanding ... (See Unreadable)

Compare readable, unreadable credit card agreement text -- We dare you to understand the text written at the 28th grade level ... (See Unreadable text)

Video: Unreadable card agreements -- Credit card agreements are said to be written on an 11th grade reading level. We came to a university campus with an excerpt from a credit card agreement to see if college students can make sense of what they are reading ... (See Card agreement video)

Readability battle: card agreements versus Harry Potter -- See how card agreements stack up in readability against familiar documents, from novels to nursery rhymes to the U.S. Constitution ... (See Card agreements versus Harry Potter)

9 credit lessons for college students -- These tips will help students use cards wisely to build their credit in school and beyond ... (See Students)

Infographic: Credit card use among the college set -- Two-thirds of college students have a credit card, and most are using their cards regularly, according to data from Equifax ... (See College cards)

Holiday layaway season now starts in late summer -- Earlier head-start lets shoppers spread payments from Labor Day through winter ... (See Layaway)

Infographic: Most Americans OK with going cashless -- Millennials are cool with leaving the house sans bills or coins, a Gallup Poll says ... (See Cashless)

First National Bank of Omaha refunds $27.75 million for add-ons -- Misleading marketing of credit card add-on products that did not deliver what they promised brings regulatory action ... (See Refund)

Half of college students aren’t checking their credit reports -- Many Americans 18-24 are wielding credit cards responsibly, but there’s a need for more credit education, a new Equifax study and money experts say. ... (more)

Security concerns keep consumers away from mobile payments -- Older consumers site security concerns, privacy and lack of necessity as reason they don't use mobile payments ... (See Mobile payment concerns)

Survey: Card acceptance for tuition rises, but so do fees -- U.S. colleges and universities are more card-friendly, but fees for charging tuition are rising, according to a new survey. ... (See Survey)

2016 Credit Card Tuition Payment Survey data -- Find out if the college you're attending will let you pay tuition with a credit card -- and at what cost ... (See Tuition card payment data)

Satisfaction rises for most cardholders -- Discover comes out on top in J.D. Power's annual satisfaction survey ... (See Satisfaction)

Recession foreclosures disappearing from credit reports -- Those who lost homes in 2009 could soon see a return to homeownership ... (See Home)

We'll reach chip card saturation in 2020 -- Mercator Advisory Group forecasts that EMV chip card penetration will hit 95 percent by 2017, and 100 percent three years later ... (See Chip card saturation)

As hotel data breaches mount, be alert for card fraud -- Regularly change passwords, watch accounts for suspicious activity ... (See Hotel)

When your card's big data collection goes from cool to creepy -- Some actions from credit card companies might be convenient for some customers and unnerving for others ... (See Data)

Credit card ownership lags for those with low scores -- Credit card ownership is rebounding, but remains far behind levels seen before the recession, and consumers with bad credit are the ones doing without plastic ... (See Ownership)

Early card fraud rains new payouts for victims -- Millions recovered from offshore accounts held by an owner of online porn sites ... (See Ken Taves)

Rewards bubble hasn't popped ... yet -- Points, miles and cash back gush at unprecedented levels, but what goes up must come down ... (See Bubble)

Fed: Revolving debt surges in June -- Balances on credit cards grew at a 9.7 percent annual rate in June, the Federal Reserve's consumer credit report said ... (See Consumer credit)

New card accounts continue to rise sharply -- Subprime cards are up 160 percent in the past five years ... (See New card accounts)

Survey: 1 in 3 young women don’t know current card balances -- Credit card, student loan debt overwhelming millennials on tight budgets ... (See Millennials)

Millennials, now house-hungry, struggle to build credit -- Late to homebuying but eager, millennials look for quick, creative credit score cures ... (See Homebuying)

CFPB proposes new limits on debt collectors -- You'd have to be told if debt's too old to legally collect ... (See Debt collectors)

2016 Credit Card Fee Survey: Surprise! Fees drop -- As they seek new customers, some card issuers have done the remarkable: They cut fees, according to a new survey. ... (See Fees)

It's now harder to pay health insurance premiums via credit card -- Citing fees, Humana and some Blue Shield units have dropped the pay-by-credit-card option ... (See Payments)

APRs hold steady as Fed opts against rate increase -- The Federal Reserve held off on lifting interest rates, giving credit card holders a temporary reprieve from higher APRs ... (See Fed)

CFPB lists our biggest complaints with credit cards -- Card complaints were up 9 percent in the second quarter as consumers groused about fees, costs, rewards and other issues ... (See CFPB)

Positive card habits up, negative ones down -- Americans pay their credit card bills in full more often, and avoid costly behavior, a six-year survey series finds ... (See Card behavior)

LA, Minneapolis best cities for money management skills -- Consumers in Los Angeles and Minneapolis-St. Paul excel at managing their finances, based on credit scores adjusted for income and other factors ... (See Cities)

NY Fed: Credit card applications up, rejections down -- Consumers applied for credit cards at a record rate in a June survey, according to the Federal Reserve Bank of New York ... (See Applications)

Buying gift cards with a credit card gets harder, for now -- Merchants waiting for certification of new equipment to process EMV chip cards are putting limits on gift card purchases, a favorite of credit card fraudsters ... (See Gift cards)

Infographic: Credit card love from older millennials -- Millennials do, too, like credit cards, research shows. In fact, older millennials covet them more than any other age group ... (See Millennials)

Credit paranoia or credit smart? Which precautions are worth it -- How to make sure that the desire to protect your credit information doesn't turn into an obsession ... (See Theft)

Fed: May card balances rise 3 percent -- Americans continued to reach for credit cards in May, as card balances rose $2.3 billion (3 percent), according to the Fed's latest consumer credit report. ... (See Debt)

Infographic: Card delinquencies hold near record lows -- At 2.47 percent, late payers are half the number they were during the recession ... (See Delinquency)

A plan now will avoid winter holiday debt -- Summer is the time to start thinking about how to avoid winter holiday debt. Work on budgeting, bargain-hunting and building that savings ... (See Holiday debt)

Replacing lost credit card? Want it fast? Expect to pay -- As banks look for new ways to make money, some have started charging to replace lost credit or debit cards. Want it in a hurry? It'll cost even more ... (See Replace)

Appeals court rejects $7.25 billion swipe-fee settlement -- An appeals court overturned a 2012 swipe-fee settlement that allowed merchants to surcharge Visa and MasterCard credit card transactions ... (See Surcharge)

Why your credit card issuer really wants to text you -- MasterCard and Visa will require that all card issuers provide opt-in alert programs for potentially fraudulent transactions ... (See Mobile alerts)

VantageScore turns 10: What it is, why it matters -- VantageScore, launched as a more consumer-friendly alternative to the dominant FICO credit score, has slowly gained acceptance ... (See VantageScore)

Generations differ on spending extra money -- Millennials go for entertainment with discretionary dollars, Generation X pays off debt and boomers sock it into savings, new research says ... (See Spending extra dollars )

Poll: Paper bank statements remain popular -- More than half of us still get them; younger consumers more likely to go digital with bank statements, a national poll finds ... (See Paper statements)

Maximum fee rises to $38 for repeat late fees -- The Consumer Financial Protection bureau raised the maximum late fee that credit cards can charge for repeat late fees by $1 ... (See Late fee mistake)

Fed dials back rate-hike expectations -- In a reprieve for credit card borrowers, the Federal Reserve decided against a rate increase for the fourth time this year and signaled a slower pace of increases ... (See Rates)

Many prefer debit for everyday buys, credit for the big ones -- For many, debit cards lead credit cards as a primary payment method, a TD Bank survey finds. But for big-ticket items, nearly all groups prefer credit cards ... (See Debit versus credit)

Fed: Credit card banking remains highly profitable -- Big card-issuing banks get triple the earnings, annual Fed profitability report says ... (See Profitable)

Plan to walk away from card debt? Read this first -- For those who think blowing off their credit card debt is better than paying it. Here are the caveats and what experts have to say ... (See Walk away)

Tough choice: Sell home to pay off debt -- Your home is your castle, but it could also be your ticket out of debt ... (See Sell)

Infographic: Cards gain ground as payment method -- Fewer Americans are using paper-based payments in 2016, while almost all plastic and electronic forms are on the rise ... (See Payments)

Average card APR falls to 15.17 percent: Rate Report -- After remaining at 15.19 percent for seven weeks, the national average annual percentage rate slid to 15.17 percent ... (See Rates )

4 credit lessons women can learn from men -- Sometimes "thinking like a man" can be the right money move ... (See Lessons)

Fed: April card balances rise 2.1 percent -- Americans continued to favor credit cards in April, as card balances rose $1.7 billion (2.1 percent), according to the Fed's latest consumer credit report. ... (See Balances)

CFPB proposes regulations on payday loans, other 'debt traps' -- Consumer bureau's rules aim to make small-dollar loans safer without cutting off emergency credit for subprime borrowers ... (See Payday)

Infographic: The financially happy now outnumber the unhappy -- For the first time since before the Great Recession, the majority of Americans feel cheerful about their finances ... (See Financially happy)

Most prepaid cards fail to disclose fees -- We checked 10 prepaid cards' disclosures against a federal model for transparency; 7 fall short ... (See Prepaid)

Overcoming 5 merchant barriers to EMV chip cards -- What to do if your business hasn't become EMV-ready because of costs, certification delays and consumer complaints ... (See EMV )

Consumers’ rights to accurate credit reports get boost -- Consumer advocates buoyed by a Congressional proposal to make the credit reporting system fairer and a Supreme Court decision upholding right to accurate information reporting ... (See Credit reports)

Poll: 8 in 10 Americans pay for summer vacation with savings -- Less than half will take a break at all; 13 percent who do pay with rewards, says a scientific survey by ... (See Vacation poll)

Wal-Mart sues Visa over debit choice -- Retailing giant says it wants to require PIN transactions on debit cards to reduce fraud and transaction costs ... (See PIN vs. signature)

Money quirks: The weird things we do with money -- Some quirks are useful at soothing financial anxiety. Others can cross over into being harmful ... (See Money quirks)

Infographic: 2016 sees card debt, delinquency uptick -- Though the number of people who fail to pay debt is not as high as it was in the Great Recession, it has started to increase in 2016 ... (See Delinquency rates)

Fed: March card balances rise 14.2 percent -- Consumers added $11.1 billion to their credit card balances in March, the Federal Reserve said Friday ... (See Balances)

CFPB proposes arbitration limits -- Consumers would get back their right to a day in court under a rule proposed Thursday by the U.S. Consumer Financial Protection Bureau. ... (See Arbitration)

9 tips for renting a car with a debit card -- You can almost always rent a car with a debit card, but expect extra hassles ... (See Debit)

Infographic: Security tops all factors in choosing a card -- Security from identity theft leads factors in choosing a card, with rewards being a closed second ... (See Security)

Using personal credit card for work expenses: 8 tips -- It’s common, but not always fair, for companies to ask employees to pay work expenses upfront and get reimbursed later ... (See Personal )

RushCard drops retail sales -- Market pullback comes six months after outage sparked federal investigation, class-action lawsuits ... (See RushCard)

Fed holds interest rates steady for now -- The Federal Reserve decided to keep its influential benchmark rate unchanged, while hinting at a rate increase later this year ... (See Fed)

Infographic: Female college students edge males in credit smarts -- Female students do a bit better in handling credit, says a Sallie Mae study ... (See College student credit smarts)

FAQs on new Costco Citi Visa card -- We answer the most-common reader questions prompted by the warehouse club’s credit card switch from American Express to Citi ... (See Costco Citi Visa FAQ)

Account takeover fraud rising -- As credit card numbers fall in value on the black market, thieves are turning to a much more lucrative form of ID theft ... (See Takeover)

Poll: Women lose more sleep over money worries than men -- When it comes to financial matters, women worry more and sleep less than men, according a new poll. ... (See Poll)

Infographic: How generations view financially 'making it' -- Views across generations of what "making it" financially means to them ... (See Generation finances)

Study: Payday loans trigger overdraft fees -- Online payday borrowers who miss repayment face average $185 in bank overdraft fees, federal study finds ... (See Payday loans)

4 authors on how better credit can make you happy -- Money can't buy happiness, but some well-known authors say taking steps to improve your credit can ... (See Happiness)

Infographic: Credit card complaint rates -- Some credit lenders manage to lessen the number of complains lodged against them in 2015, compared to 2014 ... (See Complaints)

Financial disorganization: 6 ways it costs you -- Chronic financial clutter can have steep financial and emotional consequences. ... (See Clutter)

Mobile payments laws have gaps but you can still stay safe -- As the use of mobile payments grows, laws offering fraud protections have not caught up. Here's how to stay safe despite gaps in regulations ... (See Mobile)

Credit card companies may be analyzing your voice -- With call-center fraud rising, your voiceprint will authenticate you as a customer ... (See Voice)

Infographic: Spigot held tight on subprime credit -- Credit limits for subprime consumers are down from a year ago ... (See Subprime credit)

Split payments: Using two cards for one transaction -- Retail stores often allow you to use two different cards to pay for purchases. But it's a different story when online shopping ... (See Split )

Paper or emailed credit card statements: Which are better? -- Electronic billing is convenient, saves trees -- but you might miss a payment ... (See Statements)

Tax refunds: Urges to save it, spend it clash -- Study shows that most who spend it on needed items or paying down debt feel better rather than those who saved it ... (See Tax refund)

Details emerge on new Citi Costco card switch -- Warehouse giant will accept any Visa starting June 20, 2016 ... (See Costco)

5 things to know before requesting a credit-line increase -- Before you request a credit increase, think about how it will affect your credit score and why you need the added amount ... (See Credit line)

5 ways women can compensate for the gender wage gap -- Good money habits can minimize the effects of an unequal salary ... (See Gap)

What you need to know about credit card, debit card 'holds' -- Gas stations and hotels use credit card 'holds' and 'blocks' that may limit access to your own credit and cash ... (See Holds)

Threat of tax fraud, tax ID theft grows -- The year 2016 has already seen a surge in email tax fraud, the IRS warns, and private tax collectors may add to the confusion ... (See Tax ID theft)

Infographic: Gen Z leads in use of mobile payments -- Americans ages 18 to 24 are twice as likely to make a mobile payment, a GfK study finds ... (See Gen Z mobile payments)

7 things you never budget for (but need to) -- There's always that surprise expense that lands on your credit card ... (See Budget)

The hard and fast rules of hard inquiries -- A group of experts explain exactly how credit bureaus’ take hard inquiries in account when you apply for credit ... (See Hard inquiry)

New technologies, analytics to battle online fraud -- With EMV chip cards expected to deter in-store fraud, card companies are turning to other ideas to secure online payments, too ... (See Fraud)

Banks reject more card applications -- Lenders stamped "reject" on more credit card applications in the New York Fed's latest survey, reversing course ... (See Rejection)

Women edging men in the battle of credit smarts -- A new study found that despite the fact that women have more credit cards open then men, they rack up less debt ... (See Gender and credit)

Poll: Pay with cash or card for $5 purchase? -- Millennials are most likely to use cards for small purchases, and they love debit cards, our poll reveals ... (See Poll)

6 ways stay-at-home parents ruin their credit -- Taking care of your kids also means taking care of your credit. Avoid these credit mistakes that parents often make ... (See Credit)

Millennials most likely to fall prey to scams -- Younger generation comfortable, but not always careful, with technology ... (See Scam)

More merchants adding credit card surcharges -- Surcharges for paying with cards appear to be on the rise ... (See Surcharges)

Wrong address in credit report worrisome, but won't hurt score -- Bureaus use formula to decide which address is current ... (See Address)

Cardholders spared APR increase for now -- The Federal Reserve's rate setting committee voted to keep its benchmark rate at the level set in December and lowered expectation for the pace of future increases ... (See Fed)

'Buy buttons' everywhere can make debt too easy -- Easier ways to pay can end up hurting consumers ... (See Debt)

Gen Xers: 4 steps for tackling your debt -- Americans born between the mid-1960s and early 1980s have more debt but less wealth than parents did at the same age. Here's what to do if you're one of them ... (See Gen X)

Activation sticker shock: New card may arrive already 'live' -- If you open a credit account, odds are your new card will need to be activated upon arrival. However, issuing bank practices vary. ... (See Activation)

Infographic: Average card balances by age 2003-2015 -- Seniors have more credit card debt, other age groups less ... (See Card debt by age)

Debt collectors prey on soldiers and veterans -- Military personnel move regularly, earn steady paychecks and have to protect their security clearances. That makes them more vulnerable to illegal debt collection practices ... (See Military)

Poll: Most cardholders who ask get late fees waived, rates reduced -- Cardholders who ask, receive. Yet only a small number are making those requests, says a poll of 981 cardholders ... (See Poll)

Options dwindle for paying mortgage, car loan on credit -- It's possible, but requires 'manufactured spending' techniques that are both risky and complex ... (See Points)

You may need good credit to get old -- Many seniors stop worrying about their credit scores once they've paid off their homes and cars. That's a mistake: Assisted living facilities and nursing homes often check credit ... (See Seniors)

Infographic: Data breaches grow more personal -- The theft of personal information accounted for 53 percent of 2015 data breaches. ... (more)

9 things to know about secured cards -- They start with a security deposit, and, when done right, end with you getting improved credit ... (See Secured card)

New lenders shun FICO, create their own scores -- Alternative lenders are turning to homegrown scoring algorithms to evaluate 'thin-credit' customers ... (See Score)

Infographic: The life cycle of a credit card -- A Boston Federal Reserve study shows how credit card debts and credit limits rise and then fall over the course of the average consumer's lifetime ... (See Life cycle of a credit card)

Citi to refund $5 million to cardholders for illegal collections -- About 2,100 Citi cardholders will get $5 million back for inflated interest payments on debts sold to collectors, under a U.S. Consumer Financial Protection Bureau crackdown ... (See Refund)

Credit gardening: Sow the seeds for a great score -- Fixing bad credit will take time. But following a "credit gardening" plan can make the journey simpler ... (See Gardening)

Oil-patch states see rise in loan delinquencies -- Subprime lending continues to rise, says TransUnion data ... (See Delinquencies)

Financial literacy begins moving into the workplace -- Many Americans lack the knowledge to properly manage their money. Employee education programs are working to change that ... (See Workplace)

EMV chip card rollout in US to peak in 2016 -- While the number of EMV chip cards shipped in the U.S. surged in 2015, that flow hasn't turned to a trickle. Far from it ... (See Chip card rollout)

Tax refund: Using it to pay off credit card debt -- Five questions to help you decide where to apply that refund ... (See Tax refund)

Best reward card for cable, cellphone spending? -- Credit cards offer reward bonuses for many spending categories, including unsexy expenses such as utilities ... (See Points)

What happens if you don't sign a credit card payment slip -- You might get away with it, but don't plan on eating at that restaurant again ... (See Bill)

Infographic: The demise of over-limit fees -- Credit card customers unanimously opt out of once-common fee ... (See Over-limit fee)

Fed: Card balances up for 10th straight month -- Credit card balances rose 7.5 percent in December, marking the 10th consecutive month of expanding credit card balances, the Federal Reserve said Friday. ... (See Consumer credit)

Getting a new cellphone? Expect a credit check -- If you're signing up for a traditional cellphone contract, your credit will probably be checked. But if your credit isn't great, you have more options than before ... (See Credit check)

FTC adds tools for ID theft victims -- Amid an epidemic of identity theft, the Federal Trade Commission launched a website designed to shorten the lengthy recovery process ... (See ID theft)

Fed pauses interest rate rise -- After raising its benchmark rate in December, the Federal Reserve decided to refrain from another increase, for now ... (See Fed holds steady)

Personal loans surge into mainstream -- Rise of online lenders and a lack of home equity help fuel the growth of this once-small niche of unsecured loans ... (See Personal loans grow )

How to fight medical identity theft -- When a thief steals your medical ID, it puts your health at risk as well as your credit. Here's what to do ... (more)

Infographic: Life is financially fragile for millennials -- Young adults tend to carry credit card balances, fret about repaying student loans and don't have an emergency fund ... (See Financial literacy and millennials)

Survey: 5 in 6 Americans admit to impulse buys -- More than half of consumers said they've spent $100 or more on an impulse buy ... (See Impulse buys)

Confusion high over credit card late fees -- Despite new protections, 1 in 5 consumers gets tripped up by a late fee. We explain the fine print you need to avoid them ... (See Late fee confusion)

Gas station skimmer theft rising -- Smaller devices, greater security elsewhere make fuel pumps a target ... (See Skimmers)

Got holiday debt? Compare balance transfer, personal loan -- If you overindulged in debt over the holidays, compare a personal loan and credit card balance transfer - either can lighten up your personal balance sheet ... (See Balance transfer versus personal loan)

Marijuana businesses find card processing still elusive -- Some avenues exist for legal pot-based businesses that want to accept credit cards, but details are sketchy and insiders say some are full of risks ... (See Legal pot)

Best, worst states for money management -- A state-by-state look at how well consumers manage their money, based on their average credit scores and household incomes ... (See State money management)

Chart: How states rank for money management -- A state-by-state look at how well consumers manage their money, based on their average credit scores and household incomes ... (See State rankings: money management)

Maximum credit card late fee falls $1 for 2016, to $37 -- The maximum late fee that credit cards can charge will fall to $37 next year because of inflation adjustment ... (See Late fee cap)

Fed: Card balances spike 7.4 percent -- Revolving debt balances increased yet again in November, the Federal Reserve said Friday. ... (more)

7 quick tasks to protect your ID -- Got 10 minutes? Then you can take a step to prevent identity theft. Each of these seven steps can be accomplished in 10 minutes or less. ... (See Prevent ID theft)

Infographic: Bad financial habits Americans most want to break -- Saving more and paying down credit card debt are among the more popular New Year's resolutions of 2016 ... (See 2016 money resolutions)

Video: Dumpster diving can expose your personal information -- One night of dumpster diving shows just how easy it is to become a victim of identity theft ... (See Dumpster diving ID thieves)

EMV changing how we tip? Not so fast -- Even though the adoption of EMV payment technology in the U.S. is changing how we pay with cards, the standard paper receipt tipping method many are accustomed to doesn't need to change -- unless merchants want it to ... (See EMV cards and tipping)

Product return assistance: a disappearing perk -- Credit card return assistance programs extend the window for refunds on products you've bought with the card. But they're becoming more rare ... (See Return assistance)

Getting the most value for your hotel rewards points -- For the price of a night at a Des Moines airport hotel, you can stay three nights in a magical European property. We've compiled some of the most dramatic hotel rewards comparisons for you ... (See Hotel points value)

Targeted reward offers: What to do when they go bad -- Incentives to spend on a card can give big rewards, but make sure you take the right steps in case you don't receive what you're owed ... (See Targeted offers)

Financial goals report card: Maybe a C+ -- A Capital One survey finds mixed results among those who set money goals for 2015. Some did well, others failed completely ... (See Financial goals report card)

Costco cardholders need a new strategy -- Warehouse giant switches from AmEx to Citi; key dates, what you need to know ... (See New Costco cards)

How the prime rate is set -- One benchmark rate published in The Wall Street Journal affects millions of credit card APRs ... (See Prime rate)

Forecast: Card delinquency, debt levels to remain healthy -- According to the credit bureau TransUnion's forecast, credit card consumers will continue behaving 'extremely well' ... (See Debt, delinquency forecast)

Measuring average credit card debt -- Measures of average credit card debt range from just over $1,000 to nearly $10,000, depending on the type of card and how it's calculated ... (See Average credit card debt)

Trended data: the new way credit bureaus rate you -- Lenders now see how you pay your bills, not just whether you pay them ... (See Trended data)

Fed raises interest rates, card APRs to follow -- The U.S. central bank pushed its benchmark rate up a quarter point, setting the stage for rate hikes on credit cards and other consumer debts ... (more)

Game plans for avoiding bad-credit stereotypes -- Even if you're not borrowing money, you risk being tagged with bad-credit stereotypes at work, at home and in your relationships ... (See Bad credit game plans)

An 'accountability team' can support your debt payoff efforts -- Sharing your debt payoff plan with others can help you stay on track while you tackle that financial goal ... (See Accountability team)

Number of new cards soars, but credit limits tight -- An American Bankers Association survey finds subprime borrowers regaining access to credit, but not to a lot of it ... (See New accounts soar)

Putting a big-ticket item on a card: 7 questions -- Done right, a credit card can be the best tool for an expensive item. You can see whether it's right for you by answering these questions ... (See Big-ticket)

Poll: 1 in 5 debtors say they'll be in debt forever -- It's a debt dichotomy: More say they'll die in debt, yet an increasing number also say they're debt-free ... (See Debt forever)

EMV chip card tales from cashiers at the front line -- Cashiers and customers express their frustration with EMV chip cards ... (See Cashiers' chip card tales)

Fed: Card balances rise only 0.2 percent -- The expansion of credit card balances continued in October, marking eight straight months of growth, the Federal Reserve said Monday. ... (See Consumer credit report)

Charity gift cards let recipient donate to favorite cause -- They make philanthropy easy, but our survey finds many have large fees ... (See Charity gift cards)

Dividing credit card rewards in a divorce -- If you have accumulated a slew of miles, and you're heading for divorce, they could become an issue in the breakup ... (See Rewards points and divorce)

4 in 10 Americans see credit cards as their emergency fund -- About 49 percent say they'd use credit cards to pay at least part of a surprise $2,000 emergency expense, according to a Pew survey ... (See Emergency fund)

US report: CARD Act saved consumers $16 billion -- The U.S. Credit CARD Act has cleaned up the worst practices in the business since it was signed in 2009, but tricks and traps remain, consumer bureau report says ... (See CARD Act report)

Average card rates remain at 14.96 percent for third week -- Dec. 2, 2015: Average rates on new credit card offers remained flat this week, according to the Weekly Credit Card Rate Report ... (See Weekly rate report, Dec. 2, 2015)

Magnetic stripe begins its farewell tour -- Like paper maps and clamshell phones, the magnetic stripes on the back of credit cards have started sliding into obsolescence. How soon will they disappear? ... (See Farewell, magstripe)

Average card rates sit tight at 14.96 percent: Weekly Credit Card Rate Report -- Nov. 25, 2015: Average rates on new credit card offers stayed put this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report, Nov. 25, 2015)

Survey: Slower EMV chip card transactions irk shoppers -- Nearly one in five respondents said using the more secure cards takes too long, and frustration is likely to grow during the holiday shopping season. ... (See Slow chip cards)

Best ways to earn, redeem rewards points over the holidays -- Credit card rewards you've been earning all year can help defray the costs of the holidays. The season is a great time to boost your rewards earning potential, too ... (See Holiday rewards)

Revoking automatic debits from your account -- Auto payments can be convenient, but you have rights under the law to stop allowing access to your bank accounts if you need to ... (See Stopping auto-payments)

Airlines change from miles to price-based rewards -- The three largest U.S. airlines now base rewards points on how much you pay, not how far you fly, a change that devalues airline rewards for all but the most hardcore traveler ... (See Price-based rewards)

Making sense of confusing credit card statements -- Spotting fraud is hard when so many businesses put unfamiliar, but legitimate, names on your billing statement ... (See Confusing card statements)

Billing disputes lead list of credit complaints -- Billing disputes lead list of credit complaints in latest monthly survey from the Consumer Financial Protection Bureau ... (See Billing disputes)

Fed: Access to credit cards increasing -- Fewer applicants rejected for new cards, but issuers stingy with credit limit increases ... (See Credit access)

Average card rates remain at 14.96 percent: Weekly Credit Card Rate Report -- Nov. 18, 2015: Interest rates on new credit card offers held steady Wednesday, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report, Nov. 18, 2015)

Card debt is under control for the 2015 holidays -- U.S. consumers show an appetite for borrowing but their balances and late payments are low, a report from the big credit bureau shows ... (See Card debt report)

Rating fraud: Not all security breaches are equal -- Different types of fraud have different risks involved. Knowing those risks might save you a headache ... (See Fraud risk)

Combining cards: Rolling 2 credit limits into 1 card -- Have two cards from one issuer? Trying combining credit limits before you close one ... (See Combining cards)

Younger borrowers closing delinquency gap -- Younger people have higher expectations of missing a debt payment, survey finds ... (See Young borrowers' delinquency )

7 secrets of extreme credit card owners -- How seekers of big rewards, discounts manage 10, 20, 30 cards ... (See Extreme cardholder secrets)

7 things you need to know about gift cards -- Some things have changed about gift cards over the years. Here's what to know about the No. 1 requested present ... (See Gift cards)

EMV rules for vending machine owners -- Vending machine owners face a small liability risk if their card-accepting machines are not EMV compatible ... (See EMV and vending machines)

Fed: Card balances rise for 7th straight month -- Revolving debt rose 8.7 percent in September, according to a Federal Reserve report Friday. ... (more)

Watchdog agencies announce debt collection crackdown -- Federal and state regulators announced a coordinated effort to fight a growing tide of debt collection abuses ... (more)

Survey: Old mag stripe cards more secure than mobile pay -- Most people think the new chip cards are safer to use than mag stripe ones, but many say the old mag stripe card poses less risk than new mobile payment options. ... (See Mobile payment security)

Fraud risk minimal from contactless EMV cards -- A determined thief could intercept radio waves from a dual-interface credit card, but in practice it's not worth the bother ... (See Contactless EMV fraud)

Fed: Banks make credit flow a bit easier -- Consumers' appetite for cards grew in the third quarter, while banks were somewhat more willing to serve up new cards ... (See Credit terms ease)

Card-linked offers: Shopping deals you're not aware of -- Card-linked offers are automatic discounts applied when you use a certain credit card at a participating merchant ... (See Card-linked offers)

Beyond bankruptcy: What happens when you fail Chapter 13 -- Americans who file for Chapter 13 bankruptcy are more likely than not to fail completing the debt repayment plan. Understanding why, and what comes next, can help you avoid common pitfalls ... (See Fail at bankruptcy)

Lyft, Uber ride-share drivers in a hurry to pay down debt -- Large number of ride-share drivers use spare income to pay down big bills ... (See Ride-share drivers' debt)

Fed holds interest rates near zero -- After holding short-term interest rates near zero since the end of 2008, the U.S. central bank continued to put off an increase on Wednesday ... (See FOMC)

Survey: Many fail at online security basics -- Simple steps, such as closing a Web browser when one is finished using an online account, can reduce the risk of fraud and identity theft, the survey by Experian's ProtectMyID found ... (See Online security survey )

Autopay clients leave you open to more fraud, not EMV liability -- When customers use automatic payments, it's considered a card-not-present transaction. Those sales are not covered by the EMV liability shift rules instituted in October ... (See Autopay and EMV)

Most banks invisible on federal complaint website -- A gap in consumer protection law exempts thousands of smaller banks from the federal government's public complaint records ... (See Invisible bank complaints )

Average card rates hold steady at 15.01 percent: Weekly Credit Card Rate Report -- Oct. 21, 2015: Interest rates on new credit card offers stayed still Wednesday, according to the Weekly Credit Card Rate Report ... (See Rates stay at 15.01 percent)

Which cards are best for renting a car -- Save money by knowing your insurance needs, what your card covers ... (See Best car rental card)

Payday lender prepaid cards: the worst plastic in the world? -- Payday lender cards "feature" a slew of gotchas and fees -- even for on-time payments ... (See Payday loan prepaid cards)

Retail card survey 2015: Average APRs inch up -- The average APR on the credit cards from America's largest retailers has risen to 23.43 percent, according a survey ... (See 2015 Retail Card Survey)

Chart: 2015 Retail Card Survey data -- In the market for a retail card? Our 2015 survey data offers store-by-store details to help you find the right one for you ... (See Retail card survey data )

Infographic: What is a chip card? How do I use it? -- What you need to know about how the chip is replacing the credit card's old magnetic stripe ... (See Chip card infographic)

Author argues have-nots better served by postal banking -- In "How the Other Half Banks," law professor Mehrsa Baradaran says the best bank for the poor already has branches, and blue boxes, everywhere ... (See Postal banking)

Poll finds craziest places people do online shopping -- North Americans are shopping online while on the job, in bed, at restaurants, in the shower, at weddings and at funerals, MasterCard's Psyche of Shopping survey found ... (See Crazy places we shop online)

Roadside assistance, your credit card's little-known benefit -- If your car breaks down by the side of the road, in some cases your credit card company won't leave you stranded ... (See Roadside assistance)

Fed: Card balances rise for 6th straight month -- The country’s revolving debt balance grew 5.3 percent August, marking the sixth consecutive month of growth this year, the Federal Reserve said Wednesday ... (See Consumer credit )

CFPB moves toward restriction on mandatory arbitration -- The Consumer Financial Protection Bureau is considering a rule that would ensure consumers' right to band together and sue credit card issuers ... (See Arbitration rule)

US card acceptance abroad grows, even at kiosks -- Travelers' woes diminish as new data suggests the vast majority of U.S. Visa cards work abroad, even at previously troublesome payment machines ... (See Card acceptance abroad)

5 things to do now to avoid holiday debt -- It might be incredibly annoying to hear “Jingle Bells” in stores right after Labor Day, but when you think about it, retailers might be doing you a favor. ... (See Holiday debt)

7 merchant tips to understanding EMV fraud liability shift -- Merchants who can't process chip card payments may shoulder consumer fraud costs if an incident occurs and they're not "EMV-ready." Here's what you should know about the EMV fraud liability shift: ... (See EMV )

Survey: Average card rate stuck at 15% for 15th week -- Sept. 30, 2015: Interest rates on new credit card offers remained locked in place again this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Poll: Most cardholders lack smart-chip cards, despite deadline -- No EMV card yet? You're not alone. Even as an Oct. 1 deadline looms, 6 in 10 cardholders don't have a chip card yet, our national survey shows ... (See EMV card poll)

Banks making refunds for add-on products -- Fifth Third bank agreed to refund some $3 million to about 24,500 customers for debt protection coverage that regulators say was marketed falsely ... (See Add-on marketing refunds)

How to avoid big costs of deferred-interest financing deals -- No-interest financing is tricky, especially if you have more than one balance on the card. Here's how to avoid hefty costs for back interest ... (See Deferred interest)

Survey: Average card rates hold steady at 15 percent for 14th week -- Sept. 23, 2015: Interest rates on new credit card offers stayed put this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

New subprime accounts power credit card growth -- New subprime accounts, driven by millennials, power growth ... (See New credit accounts)

Retailers roll out layaway plans early for 2015 holidays -- Holiday layaway programs launched before Labor Day cookouts even started this year, and more retailers are moving layaway online to vie for business ... (See Layaway 2015)

Fed puts off interest rate hike -- Federal Reserve policymakers kept their important benchmark rate near zero, holding credit card APRs steady for the time being ... (See FOMC)

Poll: 32 million adults have started shopping for the holidays -- The calendar still says summer, but millions of Americans have already started -- and a few have even finished -- their holiday shopping. ... (See Early holiday shopping poll)

Avoiding fraud in a post-EMV world -- Think you can breathe a sigh of relief as EMV technology takes off? Not so fast. ... (See EMV fraud)

Beware: Rebate and promotional cards can expire quickly -- They may look like gift cards, but they don't enjoy the same protections ... (See Promotional cards)

CFPB orders debt buyers to pay refunds, reform practices -- Encore Capital Group and Portfolio Recovery Associates will pay a combined $18 million in fines and provide $61 million in refunds ... (See Debt collection)

Survey: Card rates stuck at 15 percent for a record 12th week -- Sept. 9, 2015: For a record 12th week, interest rates on new credit card offers remained stuck in place, according to the Weekly Credit Card Rate Report ... (See Rate report)

FDIC: Store card issuer Comenity must refund $61.5 million -- Cardholders were misled over payment 'insurance' add-ons, agency says ... (See Comenity bank refund)

Credit balances: what happens if you overpay your card bill -- Your money is protected by federal banking rules, but getting it back requires effort, and a big overpayment can trigger a fraud investigation ... (See Overpay)

Fed consumer credit report: Card balances rise 5.7 percent -- The national revolving debt balance rose 5.7 percent to $914.6 billion in July, the Federal Reserve said Tuesday ... (See Consumer credit report)

Study: We underestimate our credit card debt -- We accurately recall other types of debt, but not card debt, says a newly updated Federal Reserve report ... (See Underestimate card debt)

3 questions to ask before refinancing your student loans -- As the amount of student loan debt continue to rise, borrowers weigh the risks and benefits of refinancing ... (See Student loans)

EMV terminal recommendations for small business -- With the EMV liability shift looming, merchants are looking to upgrade their credit card readers. These recommendations and tips can help you choose the right one ... (See EMV terminals)

Student card survey: Offers fewer but more generous -- The Credit CARD Act of 2009 imposed restrictions that thinned the ranks of student-oriented cards, but those that remain are pretty good, our survey finds ... (See Student card survey)

Discover unseats AmEx in card satisfaction rankings -- Upstart Discover bumped venerable American Express from No. 1 in customer satisfaction, according to JD Power's ninth annual survey ... (See Satisfaction survey)

Survey: Average card rates hold steady at 15% for 9th week -- Aug. 19, 2015: Average credit card interest rates remained cemented in place Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

8 smart ways to fund gender reassignment costs -- Funding the transition from one gender to another requires careful planning ... (See Gender reassignment)

Mobile banking becoming a consumer favorite -- As banking by cellphone takes off, branches are falling out of favor as American consumers' favorite way to do their financial business ... (See Mobile banking survey)

Study: 8 in 10 Americans saddled with some form of debt -- Findings of a study by the Pew Charitable Trusts suggest younger generations are growing more wary of borrowing ... (See Pew debt study)

If we go to biometric IDs, will hackers try to steal your face? -- Advocates of biometric identifiers say worries are overblown, but a GAO report says digitally stored records of fingerprints, palms, irises, faces raise ID theft and privacy questions ... (See Biometric hacks)

Household debt report: Credit card balances highest since 2010 -- Balances on credit cards climbed to their highest mark in several years in the second quarter, according to a new government report, reinforcing other signs that card use is climbing as the economy strengthens ... (See Household debt)

Rocky start for wallet-slimming 'universal cards' -- New devices promise to consolidate all your cards on one piece of plastic. But critics say they already are outdated ... (See Universal)

5 reasons you need good credit in retirement -- You may be about to retire but your credit isn't -- and shouldn't. ... (See Retirement)

What to do when your retail store card switches banks -- When a new bank issues your retail card, changes in the rewards and the card's terms can follow ... (See Retail card switch)

Fed: Credit card balances rise for a 4th straight month -- Revolving debt rose 7.4 percent in June, maintaining the highest balance in five years, according to the Federal Reserve Friday. ... (See Consumer credit )

EMV holdouts: Why merchants are slow to make chip-card switch -- With the EMV liability switch coming in October, many merchants are still in the dark on what is required of them ... (See EMV holdouts)

Rate survey: Average card rate sits tight at 15 percent -- Aug. 5, 2015: Interest rates on new credit card offers held still this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Subprime card applicants still facing tight credit -- The economy may be sunnier, but people with less-than-perfect credit are still getting a chilly reception from credit card issuers ... (See Lending standards)

Identity theft packs an emotional toll -- A high percentage of identity theft victims feel stress at the violation, studies show ... (See Emotional toll)

Credit card delinquencies improve despite economic chill -- U.S. consumers improved their on-time payment performance on credit card bills during the first quarter, despite shrinkage in the economy ... (See Delinquency statistics)

Fed holds course but rate hike draws nearer -- APRs on variable rate credit cards will hold steady a while longer, as the Federal Reserve decided that the economy still needs support from cheap money ... (See FOMC)

Rate survey: Average APR lodged at 15 percent for 6th straight week -- July 29, 2015: Interest rates on new credit card offers were left unchanged again this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Privacy or rewards? Some card programs force you to choose -- Some banks won't let you fully participate in their rewards program if you opt out of them sharing your data ... (See Rewards vs. privacy)

Getting the best exchange rate abroad -- Credit and debit cards offer the best rates for purchases, but there are a few pitfalls to avoid ... (See Exchange rates)

Cities with the biggest, smallest credit card debt burdens -- People on the coasts aren't known for frugal living, but when you consider their income, they carry the lightest credit card debt ... (See City debt burden)

Citi refunding $700 million for credit card add-ons -- Regulators ordered Citibank to refund $700 million to 8.8 million card holders for debt protection, credit monitoring and same-day payment fees ... (See Citi refund)

2015 credit card fee survey: Average card carries 6 fees -- Credit card issuers are showing an ever-increasing appetite for fees, a new survey from shows, with the average card carrying six different fees. ... (See Fee survey)

Fed survey: Credit card rejections plunge -- The share of card applicants who were rejected for a card in the past year fell to 13 percent from 20 percent, the Federal Reserve Bank of New York said ... (See Fed survey)

Chase refunds $50 million in robo-signing settlement -- Chase agreed to refund money and drop thousands of court judgments it won against cardholders in poorly documented lawsuits ... (See Chase robo-signing settlement)

2015 May credit card balances rise again -- After surging in April, credit card balances rose again in May, according to the monthly G.19 consumer credit report the Federal Reserve issued Wednesday ... (See Consumer credit report)

6 things to know before buying identity-theft protection -- Thinking about paying for a service that offers identity-theft protection? Know these six things first ... (See ID theft protection questions)

Push notifications: the future of bank communication -- Six reasons push notifications will dominate mobile banking in the future ... (See Push notifications)

$7 million in refunds coming for card add-on products -- Consumer protection bureau tells credit monitoring vendors to reimburse customers who paid for services they didn't get ... (See Add-on product refund)

Volume of credit cards finally back up near pre-recession levels -- As of the fourth quarter of 2014, the total number of open credit card accounts, and the volume of new cards being issued, are both nearing the 2008 levels ... (See Credit card volume)

Same-sex marriages mean joint debt issues -- Millions of Americans now will confront the financial intricacies of marriage, including what happens to jointly owned property, debt ... (See Same-sex marriage and debt)

Consumer bureau expands complaint data -- Shoppers for financial services have a new trove of material to research, now that the U.S. consumer watchdog is publishing consumers' specific gripes about companies ... (See Complaints data)

Poll: Americans sleeping better as economy recovers -- A scientific survey commissioned by finds money worries don't keep us awake as often, but retirement and education still make for sleepless nights ... (See Losing sleep poll)

FCC allows fraud alerts on cellphones -- The federal agency toughens rules against spam calls on cellphones, but creates an exception for banks to alert their customers to fraud ... (See Cellphone fraud alerts)

Fed gives cardholders reprieve on higher rates -- The Federal Reserve voted to keep a key interest rate at near-zero levels for now ... (more)

Credit counselors turn to student debt -- Agencies that help people erase card debt are retooling, but not everyone thinks they have the solution to student loan woes ... (See Student debt)

How to sign up for bank alerts on your cellphone (and why you should) -- Financial institutions don't make it easy, but financial alerts can stop fraud and help you stay on top of your personal finances ... (See Phone alerts)

2015 April credit card balances rise -- Credit card balances shot up sharply in April, the Federal Reserve said Friday ... (See June 5, 2015, consumer credit report)

How finance companies differ from credit cards, banks -- Consumer finance companies offer an alternative way to pay for big-ticket items. But look before you leap. ... (See Finance companies)

What that 'free' airline award ticket will cost you -- We compare the airline fees typically found on tickets purchased with miles. It's no surprise the rewards programs have stopped calling them "free" ... (more)

Debt problems plague troops after military service ends -- Returning military service members often face a barrage of personal finance problems ... (See Troops)

Survey: Employees less likely to borrow on cards for necessities -- A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving ... (See Employees' financial wellness)

Video: Tips for using mobile gift cards -- Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too ... (See Mobile gift card tips)

Poll: Fraud alert false alarms common -- As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error ... (See False alerts)

PayPal lending arm fined for deception, abuses -- PayPal Credit, formerly known as Bill Me Later, misled customers and ratcheted up their costs with unfair practices, consumer bureau charges ... (See PayPal fine )

8 steps to fighting chargeback fraud -- Credit card chargeback fraud is an ongoing problem for small businesses, which can have dire consequences. Though it's hard to detect, there are ways to fight back ... (See Chargeback fraud)

US proposes anti-steering rules on campus cards -- A proposed federal rule restricts marketing and fees on campus-affiliated cards that are lucrative for the schools but not the best choice for students ... (See Campus cards)

5 tips for negotiating rewards cards' annual fees -- Credit card issuers can be surprisingly receptive to cardholders who are seeking a break on their annual fees. They won't always waive them, but you may walk away with a discount or bonus points ... (See Negotiating rewards card fee)

NY Fed: Debt in collection shrinks -- The percentage of accounts in collections and the average size of those debts both shrank, according to new data from the New York Fed. ... (See Debt in collections)

Advances in fraud analytics promise to stop crooks, not you -- Geolocation technology and better analytics should help card issuers more accurately determine when it's a fraudster using your card and when it's you ... (See Anti-fraud technology)

Banks to erase some bad debts on credit reports -- Chase, BofA promised to remove black marks related to debts that were extinguished in bankruptcy, under pressure from judge ... (See Erase debt)

Credit card balances rise in March -- Consumers' revolving debt load increased in March, ending two months of declining balances ... (See Fed consumer credit report)

Got a cellphone? Here come Smishing scams -- Think you're too savvy to fall for email scams? Fraudsters have a new tactic that targets your new constant companion -- your cellphone ... (See Smishing)

What ID thieves do with the financial data they steal -- High-tech hackers get all the headlines, but an analysis of identity theft claims data by Travelers show the most common way stolen data gets used is a low-tech one: Thieves snatch a card, then go out and use it ... (See Use of stolen card data)

Sorry, Mom: Poll says mothers losing financial influence -- A scientific poll by finds that Americans say mothers are no longer their biggest financial influence. Instead, we rely on self-taught lessons ... (See Money influencers poll)

Elder fraud cases on the rise -- Cons aimed at the elderly include a 'grandchild' in distress and threats from a government 'official.' They're effective and on the rise ... (See Elder fraud)

Most issuers like to know your travel plans -- Most credit card companies want to know your travel plans to prevent fraud alerts. But you should also choose the right card and make sure you have different payment options ... (See Travel plan notification)

Video: Protect your privacy while using mobile shopping apps -- If you use shopping apps on your smartphone, you may be sacrificing your privacy in ways you aren't even aware of. Here are four steps you can take to protect yourself ... (See Mobile apps and privacy)

With economy slacking, Fed leaves interest rates alone for now -- The economy slowed in the first quarter, giving the Federal Reserve room to hold interest rates at rock-bottom lows ... (See Fed leaves rates alone )

CFPB issues first fine for unauthorized overdraft fees -- The Consumer Financial Protection Bureau fined Regions Bank $7.5 million for failing to get customers' opt-in for overdraft coverage ... (See Overdraft fees)

6 tips for talking to your adult kids about your finances -- Older parents need to tell kids if they're financially fine, or in a bit of trouble. Here's how to do it with the minimum of shock and tears ... (See Family finances)

Synthetic identity theft crimes growing fast, targeting kids -- Synthetic identity theft is growing fast, and victims may be children or others who don't use credit, so they're unaware of the crime for years ... (See Synthetic identity theft)

'Green' your spending with eco-friendly cards -- A handful of banks offer socially conscious credit cards that donate a percentage of your spending to environmental causes. ... (See Eco-friendly cards)

ABA study: Card delinquency stays low -- Despite an uptick at the end of 2014, delinquencies for credit cards issued by banks remained well below the 15-year average, American Bankers Association research shows ... (See Card delinquency)

What to do if your credit card rate goes up -- With the U.S. economy on the upswing, an interest rate hike is expected soon. That could be a shock for credit card holders, who will face a higher cost for carrying a balance. But there are a few things you can do to minimize the pain ... (See Rising rates)

Video: Answers to your most-common EMV questions -- As credit cards with secure chips begin to roll out across the U.S., we address some of the most frequently asked questions about them in a video interview with Smart Card Alliance head Randy Vanderhoof ... (See EMV answers)

Video: Will EMV credit cards protect my online purchases? -- New credit cards containing so-called EMV chips offer enhanced security for in-store purchases but not online purchases. In our ongoing series of frequently asked questions about EMV cards, Randy Vanderhoof, head of the Smart Card Alliance, explains why ... (See EMV fraud video)

Video: Will EMV chip cards work in NFC mobile wallets? -- Banks are issuing credit cards with enhanced security, known as EMV or chip-and-PIN cards. But what happens to that security when you use them in a mobile wallet? We asked Smart Card Alliance chief Randy Vanderhoof ... (See EMV and mobile wallets)

Video: Do I need to swipe my EMV credit card? -- Banks are issuing new credit and debit cards with EMV chips, which enable more secure transactions than magnetic stripes. In the first of our four-part series on frequently asked questions about EMV, we discuss why you may still need to swipe your card ... (See EMV swipe video)

4 ways to sabotage your child's financial independence -- It's natural for parents to want to continue supporting their children through college. But too much help can sabotage their financial independence ... (See Financial sabotage)

How to check your child's credit report -- With a few exceptions, children shouldn't have credit reports. If they do, it could be an indication of fraud. Here's how to find out ... (See Child's credit)

February 2015 credit card balances decline -- Credit card balances declined once again in February, the Federal Reserve said Tuesday. ... (See April 7, 2015, consumer credit report)

What kids should know about money, at what age -- Children as young as 3 can get started on a sound financial education. Following these milestones can help you guide them toward a financially healthy future ... (See Kids and money)

Bad-check collectors come under fire -- Debt collector posing as prosecutor gets hit with federal regulator's crackdown ... (See Bad-check collectors)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Payday loan alternatives more important than ever -- Having an alternative to high-priced payday lenders -- always a good idea -- could become more so if a federal crackdown shutters some storefronts ... (See Payday alternatives)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the Weekly Credit Card Rate Report ... (See Rate report)

New rules proposed for payday loans -- The federal consumer watchdog is preparing rules that are expected to fight repeat payday loans without shutting borrowers off from quick cash ... (See Payday loans)

Crooks' new target: your rewards points -- Cyberthieves are plundering easy-to-hack loyalty program websites, grabbing your rewards points and a treasure trove of personal information that can put your identity at risk ... (See Rewards theft)

Q&A 'Future Crimes' author Marc Goodman -- Technology is rapidly evolving and so is cybercrime. Marc Goodman, author of "Future Crimes: Everything Is Connected, Everyone Is Vulnerable, and What We Can Do About It," explains ... (See Marc Goodman)

7 debts you may not have to pay -- Paying your debts is honorable, and usually a legal requirement, but there exceptions when it can be erased, or it wasn't really yours to start with ... (See Debt escape)

4 times to go old-school with your finances -- When organizing your budget or keeping track of credit card bills, technology can get in the way. Here are four situations where old-school pays ... (See Old-school)

How payments are allocated on a card with different rates -- Will a payment that is over the minimum amount go straight to the latest charge? Where payments are allocated to on your card ... (See Payment allocation)

Fed signals step toward higher rates -- The Federal Reserve indicated that the countdown is ticking toward higher interest rates later this year ... (See Fed's loses patience)

Complaints data show which cards pay refunds most, least often -- A look at 14,000 credit card complaints sent to the federal consumer bureau shows big differences in how cards solve disputes ... (See Cards complaints data)

Consumers trust their own bank to safeguard personal info -- Americans trust their banks the most and social networking the least to keep their personal information secure, a Gallup poll finds ... (See Information security)

Gas card survey finds pedestrian rewards -- When it comes to rewards, the most venerable of credit cards -- gas-brand cards -- remain stuck in the slow lane, with high APRs and limited paybacks. They remain useful for credit-building or a quick burst of savings ... (See Gas card survey)

5 financial tips for the newly engaged -- Planning your future finances should be equally as important as planning your nuptials, experts agree. Here are five money tips to remember when you and your partner start a life together ... (See Engaged finances)

Why you should file a police report for card fraud -- To your horror, a thief racks up charges on your card. You call the police. Will officers come roaring in, sirens blaring? No, but filing a formal report can help in many ways ... (See Police report)

Credit card interest rates hold at 14.87% for third week -- March 11, 2015: The national average APR for new card offers remained unchanged Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

For foreign travel, go for the chip, don't hold out for a PIN -- Having a credit card with an EMV chip will make it easier to get around in Europe, but don't insist on one that requires a PIN rather than a signature ... (See Chip-and-PIN)

Study makes the case against credit card arbitration -- Millions of consumers have been forced to accept arbitration clauses in case of disputes, but few understand them, says a new study ... (See CFBP arbitration study)

Poll: Public lukewarm about paying by cellphone -- Six months of buzz and media coverage around Apple Pay haven't moved the needle much: Public interest in paying by cellphone remains mild, says a new poll by ... (See Pay by phone)

Credit reports to raise standards to improve accuracy -- The big three credit bureaus will take steps to reduce errors on credit reports and improve the dispute process under a settlement announced Monday ... (See Credit report accuracy settlement)

January 2015 G.19 report: Card balances down -- Credit card balances decreased at a 1.6 percent annual pace in January, the Federal Reserve said Friday ... (See Consumer credit)

Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

1099-C frequently asked questions -- Wonder why you received a 1099-C in the mail? Most taxpayers don't realize forgiven debt is considered income, and questions abound ... (See 1099-C FAQ)

Credit card debt at root of collection complaints -- Credit card balances are a dwindling piece of debt collection work, but they remained a top source of consumer complaints in 2014 ... (See Collection complaints)

How to fight phantom-debt collectors -- Callers with details about you and your debts can be convincing, so it pays to know how to tell a legitimate collector from a phantom-debt scam ... (See Phantom debt)

Poll: Wealthy getting EMV cards first -- Chip-bearing EMV cards, and the extra fraud protection that goes with them, are being issued first to wealthier cardholders, a poll shows ... (See EMV cards)

Tougher rules coming for debt collectors -- Federal regulators are writing a major update of debt collection rules for the first time in decades, but the penalty will remain a wrist-slap ... (See Debt collection rules)

Study: Law creates many too broke to file for bankruptcy -- A decade after a federal bankruptcy reform law took effect, a new class of Americans has been created: the permanently insolvent ... (See Too broke for bankruptcy)

Judge: Merchants can steer you to lower-cost card -- Merchants should be allowed to offer consumers discounts or perks to use a lower-cost credit card, a federal court ruled ... (See American Express anitrust ruling)

7 exceptions to 'zero liability' policies -- Despite "zero liability" promises from credit card companies and protection from federal laws, there are instances where you might be on the hook for fraudulent credit and debit card charges ... (See Zero liability)

What to do when a new gift card shows zero balance -- You give (or get) a new gift card, and the first time it's used, pfft! It's empty. Whether the problem is fraud or simple human error, follow these steps to retrieve its value ... (See $0 balance gift cards)

Households staggering under student loans -- While problems with most other loans are easing, student loans are entering uncharted heights and late payments are surging, says new data ... (See Report: Student debt surging)

Dangers of applying for an online payday loan -- Considering an online payday loan? Don't. These sites often scatter your personal information to the Internet wind, opening you up to, at best, bad deals, and at worst, relentless fraudsters ... (See Online payday loans)

Beware shady merchant processing contracts -- A lawsuit by an out-of-state company that supplies credit card machines deserves the plaintiff's attention -- but scams exist in the industry so read your contract carefully and talk with a lawyer if in doubt ... (See Merchant contracts)

Financial planning options for the 99 percent -- Getting financial goals together is not as daunting as it sounds. From DIY plans to going to a professional, financial planning is within reach ... (See Financial planning options)

Best way to apply tax refund to multiple card balances -- With a mortgage on the horizon and several maxed-out cards, what would be the best way to apply a tax refund to maximize credit score? ... (See Refund)

Being financially prepared for the death of a spouse -- If your spouse passed away, could you seamlessly take over the household finances? If not, some quick information sharing can save you from more heartache ... (See Finances)

Not all 'digital wallets' give you bonus reward points -- If you're using a mobile wallet to make purchases using your American Express card, you may not get get those bonus rewards points the card promises ... (See Mobile)

Poll: Wealthy cardholders prefer cash-back rewards -- Getting cash back is by far the favorite credit card reward, according to a new survey of cardholders with at least $100,000 in investable assets ... (See Cash-back survey)

December 2014 G-19 report: Card balances up -- Credit card balances were on the rise once again in December, the Federal Reserve said Friday. ... (See Fed G.19 consumer spending report)

Pros, cons of getting a business card for personal use -- Business cards sport features personal cards don't have, and no rule prevents someone without a business from getting one -- but watch the catches ... (See Business cards)

CFPB orders refunds for 98,000 subprime cardholders -- Cardholders of Continental Finance Co. are due refunds of excess fees that absorbed more than 25 percent of credit limit ... (See Continental Finance refunds)

Fighting back against the growing threat of tax fraud -- Tax fraud scams have skyrocketed as rip-off artists file phony tax returns on consumers' behalf. To avoid getting burned, be alert to their tricks ... (See Tax fraud)

10 tips for using luxury pawnbrokers -- The pawn industry has gone upscale, with 'luxury asset lenders' offering thousands, or even millions, of dollars against your jewelry, art, cars and boats. But know what to watch out for before you use one of these services ... (See Luxury pawn)

Adding a separate rewards card for business travel -- If you pay for work-related travel on a personal credit card, it may make sense to get a separate card just for those expenses. But first, think about how you'll use the points ... (See Travel)

Fed keeps rates low amid mixed economic signals -- The Federal Reserve indicated that it remains on course to hike interest rates later this year ... (See FOMC meeting Jan. 28, 2015)

Know your fraudster: 8 types of card criminals -- Card fraud has become a big industry, with criminals specializing in each stage of the crime, from malware coders to skimmer installers to mules ... (See Know your fraudster)

FTC: Many credit report disputes go unresolved -- When a credit bureau rejects a complaint about an error, only 30 percent of people agree that their report is accurate ... (See FTC credit disputes report)

Financial infidelity poll: 6% hid bank accounts from spouse or partner -- In a new national survey, we asked people living with a spouse or partner about their money secrets, hidden bank accounts and undisclosed splurges ... (See Financial infidelity)

Road to rewards redemption gets easier -- Cardholders lose millions of dollars in rewards, but that could be changing after one big issuer lowers hurdles to claiming cash back ... (See Rewards redemption)

CFPB urges colleges to compare deals for student accounts -- Colleges that endorse a bank in return for a fee should take a hard look at the cost for students,federal watchdog agency says ... (See CFPB)

November 2014 G-19 report: Card balances down -- Credit card balances declined for the first time in two months in November, the Federal Reserve said Thursday. ... (more)

Balance Transfer Survey: Offers more generous -- The typical credit card balance transfer offers have become more generous, but you have to act quickly to take advantage of them, according to a 2015 analysis of 100 popular credit card offers ... (See Balance transfer survey)

Credit card interest rates slide to 14.89 percent -- Jan. 7, 2015: Average rates on new credit card offers fell Wednesday for the second straight week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Mobile shopping apps raise privacy and security issues -- A investigation reveals that mobile shopping apps may be accessing your phone's camera, text messages, flashlight and more, and collecting data you're not be aware of ... (See Shopping app privacy )

Lifting Cuba restrictions means easier credit, debit use -- Consumers will find it easier to pay for things in Cuba after President Obama lifts restrictions on use of U.S.-issued credit, debit cards there ... (See Cuba)

Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)

Campus card agreements continue shift from credit to debit -- Special deals to market credit cards on campus are declining, but other types of plastic -- which face less disclosure -- are gaining ... (See College cards)

Biometrics: Your body could be your next password -- Call it body language: Finger prints, vein scans, voiceprints and other unique biological means of authenticating a person’s identity for credit card purchases are closer to reality than they are to the Jetsons ... (See Biometrics)

CFPB moves to soften medical debt's impact -- It's unique among debts, so medical debt deserves to get special scrutiny, the federal consumer watchdog agency decides ... (See Medical debt)

Poll: More Americans expect to be in debt forever -- A new survey conducted by asks Americans when they expect to get out of debt; 18 percent of those in debt say "never" ... (See In debt until death)

Holiday buying 2014: more savings and gift cards, less credit -- Fewer Americans plan to holiday shop with credit cards in 2014, while more have set aside money or will use gift cards for their purchases, an Accenture study finds ... (See Holiday buying 2014)

Poll: If given $1,000 in miles or cash back, most would splurge, not save -- At least 83 percent of Americans said they would splurge in some fashion if they received $1,000 in travel miles or credit card cash rewards, a poll from Capital One found ... (See Rewards splurge)

Banks that make the most money, and the least, on credit card loans -- The most costly card companies are ones you probably never heard of -- but whose cards you just might carry ... (See Yields)

What yield does your bank make on credit cards? -- Using 2013 federal bank data, we list 500 U.S. banks and show the percentage yield they make from credit card holders, before and after losses ... (See 500 banks' yields)

Survey: 3 in 4 Americans make impulse purchases -- A national survey by of 1,000 adults found more than three out of four Americans confess to making impulse purchases ... (See Impulse)

Lessons from cities with the best and worst credit scores -- One city is known for college grads, the other for cotton and the Blues. Measured by credit score, Mankato, Minnesota, and Greenwood, Mississippi, are as far apart financially as they are culturally ... (See Best, worst scores)

Online fraud may surge after EMV chip card rollout -- U.S. issuers are replacing traditional magnetic stripe credit cards with cards containing counterfeit-resistant EMV chips. But fraudsters are expected to adapt, turning to online and other forms of fraud ... (See Online fraud surge)

Study: Online accounts often go unchecked for fraud -- Americans regularly check their bank account and credit card statements for suspicious activity, but less than a third check various online accounts at least once a month, a study by credit bureau Experian finds ... (more)

New rules aim to tame prepaid cards -- The fee-laden cards, gaining in popularity, would have to disclose more about those fees under rules unveiled by the Consumer Financial Protection Bureau ... (See Prepaid rules)

2014 Penalty Rate Survey -- Those who fall 60 days behind in credit card payments face an average penalty interest rate of 28.45 percent, according to's survey of 100 major U.S. credit cards ... (See Penalty rates survey)

Use of reloadable cards surging among millennials -- Ownership of of general-purpose, reloadable cards climbed 11 percent from 2011 to 2013 among younger adults, a study by the Federal Reserve Bank of Philadelphia finds ... (See Millennials and prepaid cards)

Fed: banks ease grip on cards -- Just as banks are finally lowering their barriers to credit card ownership, consumers aren't so keen to accept them, says a new Fed survey of senior loan officers ... (See Banks loosen grip)

Fed ends special stimulus for economy -- The Federal Reserve announced the end of its bond-buying program, but signaled that it will keep its main lever on interest rates at near-zero levels ... (more)

Old-school phone scammers make comeback with modern twist -- Old-school telephone fraud is making a comeback as fraudsters are again more likely to contact you by phone than through websites or email ... (See Telephone scams)

Credit card interest rates linger at 15.07 percent -- Oct. 22, 2014: Average rates on new card offers stayed at 15.07 percent this week, according to the Weekly Credit Card Rate Report ... (See Rates Report, Oct. 22, 2014)

Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Poll: Many cardholders will avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Obama puts federal might behind chip-and-PIN card security -- A White House move to encourage the roll out of chip-and-PIN security strengthens the push for new weapons against data breaches and ID theft ... (See US goes chip-and-PIN)

Banks seek rule change to allow more cellphone fraud alerts -- Despite a plague of data breaches, banks fear lawsuits if they send fraud alerts via text messages and cellphone calls, according to an industry group ... (See Fraud alert texts)

Fed: Card balances down in August -- Credit card balances decreased at a 0.3 percent annual rate in August, a first after five straight month of rising card debt, the Federal Reserve said Tuesday. ... (See August 2014 Federal G19 report)

Credit Card Tuition Payment Survey 2014 -- Paying tuition by credit cards is possible at most large colleges, says a survey, but expect to pay a convenience fee that averages 2.62 percent -- enough to wipe out all but the most generous rewards ... (See Tuition payment survey)

2014 Credit Card Tuition Payment Survey data -- Find out whether the four-year college or university you're considering will allow you to make tuition payments by credit cards -- and at what cost ... (See 2014 tuition payment survey data)

Study reveals rewards cards' rise in popularity -- Rewards cards now make up a majority of new accounts and spending on cards, practically taking over the market, a bank industry report says ... (See Rewards cards rise)

U.S. Bank refunds $48 million for add-ons -- The Consumer Financial Protection Bureau extended its crackdown on bank add-on products to U.S. Bank, which charged for credit protection products that consumers didn't always receive ... (See $48 million refund)

New industry tools fight credit card fraud -- Card issuers, retailers and other companies are coming up with a host of new tactics to try and stem credit card fraud ... (See Anti-fraud tools)

Fed holds course toward rate hike in 2015 -- The Federal Reserve indicated that it will keep interest rates at historic lows for the time being to support the job market, but higher rates are coming ... (See Sept. 17, 2014: Fed holds course)

Mobile payments raise consumer protection worries -- Consumer advocates worry a mobile finance boom will make it easier to snoop on your buying habits, or even clean out your mobile wallet ... (See Mobile protection)

Fed: Card balances rise for a 5th straight month -- Credit card balances increased once again in July, marking the fifth straight month of rising card debt this year, the Federal Reserve said Monday ... (See G.19: Fed says card balances rise)

CFPB warns card issuers: Reveal costs of 0% promotional offers -- No-interest promotions are costly for credit card users who lose the grace period and must pay interest on new purchases, regulators warned ... (See CFPB 0% offer warning)

Discover, AmEx tie for tops in customer satisfaction -- American Express, the perennial leader in J.D. Power's ranking, shares the top satisfaction score for the first time since the survey started in 2007 ... (See J.D. Power)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new poll shows ... (See Small payments)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new poll shows ... (See Small payments)

Renting a car? Know whether your card adds insurance -- Renting a car can put your credit card benefits into play, but only if you know what's covered and avoid the exclusions ... (See Insurance)

Capital One edits language allowing visits at home or work -- Capital One said it is dropping language in its general purpose card agreements allowing visits at home or work, but keeping those rights in store cards for now ... (See Cap One)

Federal watchdog slaps auto lender for credit report errors -- The U.S. Consumer Financial Protection Bureau fined auto lender First Investors Financial Services Group Inc. for putting errors on thousands of consumers credit reports ... (See Fined)

NY Fed: Consumer debt up in Q2 -- Credit card loans and other nonhousing consumer debt rose, according to the quarterly analysis by the Federal Reserve Bank of New York ... (See Household debt and credit)

FICO 9 credit score formula lessens impact of medical debt -- People with paid-off debt or medical debts will see scores rise with the new FICO math, while others will receive lower marks ... (See FICO formula)

Fed: Card balances rise, keep pace with slow spending growth -- Credit card balances increased a modest 1.3 percent in June marking a fourth month of continued revolving debt growth, the Federal Reserve said Thursday ... (See Card balances rise)

P.F. Chang's names 33 restaurants hit by data breach -- P.F. Chang's China Bistro has named the places and times it suffered a data breach, with 33 of its 210 U.S. restaurants being hit for weeks or months ... (See P.F. Chang's data breach)

Banks loosening grip on credit cards, says Fed survey -- Banks continue to get more generous with new cards, but subprime applicants still feel a chill, according to the Federal Reserve's quarterly survey of loan officers ... (See Senior loan offiicers' survey)

Americans' choice in noncash payment has become debit cards -- Americans are increasingly opting for electronic payments and debit cards, a study by the Federal Reserve System shows ... (See Noncash payments)

Fed holds course toward higher interest rates -- Zooming economic growth in the second quarter didn't prompt the Federal Reserve to hasten its pace toward an interest rate hike in 2015 ... (See FOMC meeting July 30, 2014)

How America pays: Fed study paints big picture of card trends -- How many credit cards are there? How many debit cards? How many checks do we write? The Federal Reserve's new payments study paints a statistical portrait of how we spend ... (See Payments study)

Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

CFPB expands complaints system to prepaid cards, pawnshops -- The federal consumer watchdog significantly expanded its consumer complaints program to include an array of financial products found outside banks ... (See Complaints)

8 FAQs about EMV credit cards -- The way you use a credit card is changing as the U.S. catches up with the rest of the world and moves to cards. Here, in Q&A format, is what you need to know about the transition ... (See EMV FAQ)

Fed: Card balances extend growth -- Balances on credit cards grew again in May, extending April's record-setting surge, the Federal Reserve said ... (See Consumer credit report, July 8, 2014)

Higher One grows to dominate college debit card market -- A little-known upstart has quickly grown to dominate the campus debit card business, but it is now drawing heat from Congress, regulators ... (See Higher One)

GE Capital to refund $225 million to 749,000 customers -- The No. 1 issuer of store credit cards is paying $225 million to 749,000 consumers, with most of the money going to Spanish-speakers excluded from debt relief offers ... (See GE Capital)

P.F. Chang's goes old school to combat fraud -- P.F. Chang's China Bistro restaurants in the U.S. have dusted off old-school manual card readers to use while the chain investigates a potentially large-scale data breach ... (See P.F. Chang's)

Fed shrugs at inflation, holds rates steady -- The Federal Reserve signaled that it will continue the cheap money policy that it has penciled on its calendar through sometime in mid-2015. ... (See FOMC holds rates steady)

Poll: As card fraud rises, so do false alarms -- As data breaches soar, so do credit card fraud false alarms that block or flag legitimate credit card transactions, says a new poll ... (See Fraud false alarm)

CFPB seeks lower-cost ways to serve up mobile banking -- As banking moves to mobile devices, banking regulators want to make sure consumer protections and cost savings go along ... (See Mobile banking)

Card debt rises sharply in April -- Balances on credit cards soared at a 12.3 percent annual rate in April, extending March's modest gains despite consumers' continued reluctance to open their wallets, according to the Federal Reserve's monthly consumer credit report ... (See Consumer credit report: Card balances rise)

Rankings for frequent flier programs: 2 surveys, similar results -- Ratings are beginning to take into consideration one of the most important factors to many fliers: reward seat availability. As airline program models shift, so will availability ... (See Frequent flier program rankings)

FTC calls for data broker regulation -- Depending on your income, habits, health and ethnicity, data brokers may label you an Urban Scramble, Rural Everlasting, Truckin' & Stylin', Bible Lifestyle or Plus-Size Apparel ... (See FTC study)

4 ways crooks cash in on your personal and financial data -- You've heard about data thieves, but have you wondered what they do with it once it's stolen? Here's how crooks convert your info to their cash ... (See Cashing in data)

CFPB: Credit scores for medical debt are unfair -- Study by consumer watchdog agency finds that medical debt collection weighs too heavily on people's credit scores ... (See Medical debt and credit scores)

Banks expect credit to ease near pre-recession levels -- A Fed survey of senior loan officers finds bankers expect a hefty increase in credit card growth, the first big jump since the Great Recession ... (See Card lending easing)

Credit card balances post spring growth -- Card debt rose in March for the first time in 2014, as consumer spending surged ... (See consumer spending increase 2014)

Americans rely less on credit cards, says Gallup survey -- Almost a third of Americans don't have a credit card, the most since Gallup began conducting surveys on the issue in 2001 ... (See Rely less on credit cards)

Fed takes poor GDP in stride, leaves interest rates outlook unchanged -- The Federal Reserve maintained its course toward higher interest rates in 2015, downplaying a poor first-quarter showing by the economy ... (See Federal Reserve)

Bankers predict an increase in credit-line requests -- A poll of risk managers at banks in the United States and Canada shows most believe credit-line increase requests will rise in 2014 ... (See Credit line survey)

Wal-Mart store card switch gives consumers reason to compare -- If you're a Wal-Mart or Sam's Club co-branded credit card holder, you're about to get a new credit card -- and with it comes a new reason to check up on the benefits of holding a co-branded card. ... (See Wal-Mart card switch)

Bank of America to refund $727 million in add-on fees -- Bank of America becomes the fifth card-issuing bank to pay a hefty fine for over-hyping debt protection and credit monitoring services ... (See Refund)

Card debt falls in February -- Credit card users cut their balances sharply in February 2014, even as personal income rose, says the Federal Reserve's monthly consumer credit report ... (See Fed consumer credit report)

Survey: Bad financial habits creeping back -- A U.S. poll shows that fewer adults have a budget and more adults are increasing their spending. ... (See Fewer budget, more spending)

10 tips for dealing with debt collectors, collection -- First, pull your head out of the sand. Next, educate yourself on your rights and on who to reach out to for help or to register a complaint ... (See Debt collection tips)

Wal-Mart sues Visa over swipe fees -- Wal-Mart has sued Visa for anticompetitive practices, targeting Visa's interchange fees or "swipe fees" that help support credit card rewards programs and cash-back deals for cardholder ... (See Wal-Mart sues Visa)

What interest rate increases will cost cardholders -- Consumers will pay up to $192 million more a month on their credit card balances starting this month, according to Federal Reserve data ... (See Rising card rates)

Medical card pays for endorsements -- GE Capital's CareCredit card pays dozens of professional societies to help market its high-rate health care credit card, raising questions that could cloud the doctor-patient relationship ... (See Medical card endorsements)

Card debt falls in January -- Card balances reversed direction and fell in January, as consumers got hit by harsh weather and expiring jobless benefits ... (See Card debt falls)

Students seek financial transparency from college administrators -- Students from 20 colleges and universities across the county delivered letters to their school administrators Thursday asking for greater transparency about school partnerships with financial institutions ... (See students seek transparency )

Cards with free credit scores -- A growing number of cards give you a no-cost way to watch the number crucial to your financial health ... (See Free credit scores)

CFPB calls for free credit scores -- The Consumer Financial Protection Bureau has urged credit card issuers to make credit scores available to customers for free ... (See Consumers want free credit scores)

Attorney General Holder calls for national data breach disclosure law -- U.S. Attorney General Eric Holder said Congress should require businesses to tell customers promptly after hackers steal information ... (See data breaches national policy)

GAO urges changes in college-provided debit cards -- A federal report questions the fairness of a new breed of college-provided debit cards and urges transparency on the deals -- and the fees charged students ... (See College debit cards)

Households are borrowing money again -- A new federal report shows U.S. consumers are steadily building debt once again, with the end of 2013 seeing the first annual increase in debt since the Great Recession ... (See Consumer debt increases)

Surprise! Many credit card agreements allow repossession -- An analysis of the federal database of credit cards finds dozens include a 'security interest' clause that leaves the door open to the repo man ... (See Repossession)

Fed: Card balances leap in December -- Credit card balances rose even more than usual for the holiday season, posting a third month of growth ... (See Fed: Card balances rise a 3rd month)

Discover expands free FICO credit score program -- Discover cardholders will not only get a free credit score on their monthly statements, they'll have it explained to them, the company announced ... (See Free FICO)

Fed: banks keep tight grip on card loans -- Senior loan officers survey says demand for credit cards is greater than supply ... (See Demand for credit cards)

Mid-Atlantic complains most about credit card problems -- Washington, D.C., and neighboring states file the most complaints per capita about credit cards with the federal consumer financial regulator ... (See Complaints)

Fed holds off on rate increases -- The Federal Reserve announced no change in the short-term rates that affect credit card APRs and signaled that hikes will start beyond 2014 ... (See Federal Reserve)

CFPB: Credit card complaints decline in 2013 -- Consumers filed fewer complaints about credit cards with the federal consumer watchdog in 2013, but two big card issuers saw an increase in grumbles ... (See Complaints)

Credit cards: our moral guardians -- When it comes to arbiters of morality and integrity, we look toward the Ten Commandments, our moms and -- in a strange and largely unnoticed new trend -- the corporate behemoths that issue our credit cards ... (See Guardians)

As online gambling booms, credit card acceptance lags -- States turning to online gambling find the credit card industry is reluctant to join the game, leaving gamers scrambling for alternate ways to ante up ... (See Online gambling)

Infographic: Credit card delinquencies inch up after three-year slide -- While consumers are paying many of their loans on time, late credit card payments saw an uptick in the third quarter of 2013, according to the American Bankers Association ... (See Delinquencies)

Fed: Card balances rise again -- Credit card balances bulged in November for a second month, as consumers' spending increased faster than their paychecks rose, the Federal Reserve said ... (See Card balances rise)

Rate survey: Credit card interest rates begin year at 15.06 percent -- Jan. 8, 2014: Average rates on new card offers remained frozen in place Wednesday, according to the Weekly Credit Card Rate Report ... (See Rates still at 15.06 percent)

Infographic: Baby boomers have the most credit pride -- Baby boomers have more credit confidence than younger generations, according to a survey ... (See Credit pride)

Credit card late fees could rise in 2014 -- The CFPB has added $1 to the amount that first-time offenders can be charged for a late credit card payment, raising it to $26 ... (See credit card late payment fees)

Fed: Banks modestly lower barriers to credit cards -- Banks are swinging open their vault doors wider for businesses, but consumers are seeing only slightly easier access to loans -- including credit cards ... (See Credit cards)

Credit card balances rise in March -- Consumers added credit card debt in March amid growing incomes and an improving job climate ... (See G.19)

Top retailers' 2015 return and receipt policies -- Our survey of 12 large retailers' policies regarding returning items without a receipt shows most allow it -- within certain limits ... (See No-receipt return policies)

Curses! Foiled again! FBI warns of tinfoil 'feed horn' scheme -- Federal officials are warning merchants -- and credit card customers whose cards have been stolen -- of a new, decidedly low-tech scam called the "Feed Horn Scheme" ... (See Feed horn scam)

AmEx makes refunds for add-on products -- Regulators ordered American Express to pay back customers for deceptive marketing and unfair billing of ID theft and identity protection products ... (See AmEx refunds add-on products)

Mississippi sues Chase Bank over debt collection -- Mississippi's attorney general sued Chase Bank for making false demands for debt against credit card customers ... (See Chase sued false debit collection)

Data breach protection: 10 tips -- When your card data may have been stolen by hackers in a data breach, it's no time to panic, but do be vigilant and ready to take action if unauthorized charges show up ... (See Data breach protection)

Fed payments study: Signature cards more prone to fraud -- Credit cards and signature debit cards are the payment methods most susceptible to fraud, with online transactions at highest risk, the Federal Reserve said ... (See Fraud)

CFPB report: On-campus credit card deals fading away -- The lucrative, once-secret bank deals with colleges for on-campus access to students are fading, but on-campus debit card deals are rising to take their places ... (See Campus credit card deals)

Fed starts 'taper,' begins weaning off support for low rates -- The Federal Reserve voted to pump less cash into low long-term rates, but held constant the short-term rates that set credit card APRs ... (See long-term and short-term rates)

CFPB report: Biggest card issuers push consumers into arbitration -- Few consumers use the dispute resolution format favored by banks, says a new report by the federal consumer watchdog ... (See Arbitration report)

CareCredit ordered to refund $34 million to cardholders -- GE Capital and its CareCredit unit agreed to refund $34.1 million to medical patients who got faulty information when they signed up for deferred interest cards ... (See CareCredit)

Fed: Credit card balances shot up October -- Consumers "tuned out the drama in DC" and went shopping in October, boosting credit card balances at an annualized rate of 6 percent, the Federal Reserve reported ... (See G.19 consumer credit report, October 2013)

Regretting your recent cash advance? You're not alone -- More than half of those who have taken a cash advance on a credit card say they have regretted that decision, according to a new poll ... (See Cash advance poll)

Card issuers soften mandatory arbitration rules -- Signing away your right to go to court is part of most credit card agreements, but the CFPB is taking a look at mandatory arbitration requirements ... (See Mandatory arbitration)

Mysterious 'Tips for Jesus' leaves behind enormous tips -- Wait staffs across the United States are hoping for a visit from an anonymous customer with a credit card and a taste for outrageous generosity ... (See Tips for Jesus)

FICO credit-score giveaway coming to Discover cardholders -- Discover's the latest bank to add free credit score access as a routine service, completing the route of the once-secret three-digit number to full public view ... (See Credit scores)

GAO: Information resellers quickly invading personal lives -- Data collectors know and resell your buying preferences, investments, ailments, favorite sports, hobbies and political leanings -- and need to be reined in, the government agency says in a report ... (See Information resellers)

NY Fed: Household debt rise marks a 'turning point' -- Households increased their debt load in the third quarter by the largest amount since early 2008, according to the Federal Reserve Bank of New York ... (See Fed report: Borrowing returns)

Credit card balances extend their slide -- Credit card balances fell for a fourth month in a row in September, according to the Federal Reserve's monthly report on consumer credit ... (See G.19 consumer debt report, September 2013)

Fed: banks loosen credit limts -- Banks aren't rushing to grant more credit cards to new applicants, but they are being more generous about expanding credit limits ... (See Banks expand credit limits)

New complaint data zings credit bureaus -- Federal complaint data shows that consumers are often dissatisfied -- even when credit bureaus say they have addressed the problem ... (See Credit bureau complaints)

Infographic: Preferred payment methods vary by location -- Buying groceries? You'll pay by debit card. Online? It's credit cards or PayPal. Grabbing a burger? You'll fork over cash, says a study of preferred payment methods ... (See Preferred payment methods)

Buy lottery tickets with a credit card? Probably not -- A web of state laws, retailers, card policies can all ban the practice ... (See Lottery tickets and credit cards)

Fed keeps its foot on the gas -- The Federal Reserve's interest rate setting committee decided to maintain its measures aimed at keeping interest rates at historic lows ... (See Fed leaves rates alone)

FTC to Aaron's: Shut down your rental computers' peephole webcams -- Consumers who rented Aaron's Inc. computers were subject to a nasty privacy invasion: spyware that captured their every activity at home, including what the FTC terms 'intimate activities' ... (See Spycams)

Controversy erupts over credit card payments for guns -- A credit card processing company's decision to stop authorizing legal gun sales from a large North Carolina gun shop has ignited a full-bore controversy over firearms and freedom ... (See Guns)

Government shutdown obstructs credit card applications -- The government shutdown has cut off IRS income verification services that lenders use to approve loans, including some credit cards ... (See Shutdown hits card apps)

Banks soften due dates, offer help to furloughed federal workers -- Banks are offering special help for victims of a man-made disaster -- the federal government shutdown that has furloughed federal workers and forced them into economic hardship ... (See Furlough)

Card debt fell in August -- Credit card balances were down in August for the third straight month, according to the Federal Reserve ... (See Card debt falls)

Credit CARD Act: Round 2 coming? -- A report from the federal consumer financial regulator says the CARD Act has cut gotcha-type fees, but other problems continue, and need to be addressed ... (See CARD Act report)

Study: CARD Act cut fees $20 billion -- A study of 150 million credit card accounts found that the CARD Act of 2009 cut fees sharply for cardholders, and subprime borrowers saw the most savings ... (See CARD Act study)

Report: We've learned our lesson about using credit cards -- We've learned a lesson from the recession, says a report from a bankers' trade group, with cardholders paying lower interest, carrying lower balances ... (See Lesson learned)

FTC says :( to debt collection text messages -- The FTC has brought its first case against a debt collector for using text messages, sending a message of its own about what collectors can and can't do ... (See FTC)

Feds fine Chase, order $309 million refund for credit card add-ons -- The megabank took the money for, but did not deliver, the credit monitoring add-on product it sold to its credit card customers, federal regulators say ... (See Chase refund)

Subprime borrowers have easier time getting car loans -- Unlike with credit cards, auto loans are becoming more available for borrowers with blemished credit ... (See Auto loans)

Fed maintains support for low interest rates -- The Fed left short-term rates that govern credit card APRs unchanged at near-zero levels. It also voted to maintain current support for low long-term rates such as mortgages, defying analysts' expectations ... (See FOMC)

Fed: Card balances fell in July -- Credit card balances fell in July, a time of sluggish consumer spending and languid job growth, the Federal Reserve reported. ... (See G.19)

CFPB: Consumers' side of credit disputes must be considered -- Federal regulators issued a stern warning for information furnishers to investigate disputed credit report data: Look at a consumer's side of the story ... (See CFPB)

Buying legal marijuana with a credit card still banned -- The new easing of federal enforcement of marijuana laws doesn't lift a ban on credit cards being used at legal pot dispensaries ... (See Marijuana banking)

Deferred-interest, 0-percent financing 'deals' costly for many -- About 1 in 5 people who sign up for 0-percent, deferred interest deals wind up owing accumulated finance charges ... (See Deferred interest)

Survey: Card satisfaction hits 7-year high -- Though impenetrable financial terms and opaque rewards programs still plague cardholders, we are increasingly satisfied with our plastic ... (See J.D. Power)

Certegy fined $3.5 million for violating Fair Credit Reporting Act -- The FTC has accused credit reporting agency Certegy of maintaining and reporting inaccurate information about thousands of check-paying customers, resulting in a $3.5 million fine. ... (See Certegy)

NY Fed: debt squeeze eases on households -- While borrowing on cards increased, credit limits grew faster in the second quarter, leaving cardholders with more available spending power ... (See Debt and credit report)

Fed: Card balances fell in June -- Credit card balances were down in June, pulling back from a strong upward surge the month before, despite an increase in consumer spending ... (See G.19)

Historic newspaper archive reveals earliest mentions of credit cards -- Consumer credit in the U.S. has its roots in the late 19th century, and the earliest printed mentions of credit shows we confronted today's challenges then ... (See Credit in U.S. history)

Fed: banks ease up on credit limits -- Banks remain wary about issuing new cards but are easing their grip on credit limits, the Federal Reserve's survey of bank loan officers reported ... (See Credit limits eased)

Swipe fee battle renewed after court ruling -- Merchants won a victory in their long-running battle with banks over debit card swipe fees, potentially raising consumer costs for checking-related services ... (See Merchant comsumer debit fees)

Foster children get help in combating ID theft -- A 2011 federal law says when foster children turn 16, child welfare agencies must help them get annual credit reports and clear up any mistakes. States are now implementing programs to do just that ... (See Foster kids and ID theft)

Fed keeps interest rates low -- As expected, the Federal Open Market Committee voted Wednesday to keep short-term interest rates low ... (See FOMC)

Congress aims to level the online gambling playing field -- Two bills being considered in Congress would regulate poker and other forms of online gambling, and could impose consistency on a patchwork of state laws. But it's a complex subject that blends gaming, morality, money-laundering and credit cards ... (See Online gambling)

Bankruptcies continue to fall -- As the eighth anniversary of a bankruptcy reform law approaches, filings in the first half of 2013 have fallen 14 percent from the same period one year ago ... (See Bankruptcy filings)

Credit reports now show your credit card bill-paying habits -- Credit bureaus add "trended data" to credit reports showing whether you carry a credit card balance, giving card issuers and others a more detailed portrait of your financial habits ... (See Trended data)

CFPB provides debt collection sample letters -- The U.S. Consumer Financial Protection Bureau issues five sample letters to help consumers practice self-defense against unfair debt collection practices ... (See Debt collection sample letters)

Watchdog agency opens doors to complaints about debt collectors -- The government's consumer watchdog issued warning notices to the collection industry about illegal tactics on the day it began taking complaints about collectors ... (See Debt collection)

Card delinquencies hit 22-year low -- Credit card delinquencies hit their lowest levels since June 1990 during the first quarter of this year, reflecting a stronger economy and more frugal consumers, the American Bankers Association said. ... (See low credit card delinquent accounts)

FTC penalizes world's largest debt collector -- The Federal Trade commission accused collection company with global reach of calling people repeatedly and failing to verify debts. ... (See FTC )

CFPB steps in to save service members money -- More than 50,000 active-duty service members who participated in a big bank's specialty auto loan program are due a refund ... (See Military auto loan refund)

Fed: Credit card balances spike in May -- Balances on credit cards were up in May, the Fed reported, as jobs and home values showed strength ... (See credit card balances up)

Average American expects to be debt free by age 53 -- Americans are optimistic about achieving a clean slate before retirement, but 1 in 10 expects to never be independent of debt ... (See Debt-free)

Infographic: Millennials swap credit cards for student loans -- More young consumers are turning their backs on credit cards and piling on student loan debt, according to research from FICO ... (See Millennials ditch credit cards, pile on student loans)

DOMA ruling cuts both ways financially -- The Supreme Court's ruling may spur same-sex couples toward marriage, but the financial consequences of such unions aren't all favorable ... (See DOMA and dollars)

Rate survey: Credit card interest rates remain flat -- June 26, 2013: Interest rates on new credit card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Fed signals that rate hikes remain in distant future -- The Federal Open Market Committee voted to keep interest rates at ultra-low levels amid speculation that stimulus measures are nearing a turning point ... (See rates remain low)

Fed: Card balances ticked up in April -- Balances on credit cards rose in April, marking a rebound from March, amid signs of improvement in jobs and housing. ... (See Card balances rise)

Congress considers relief for credit damage from medical bills -- Debt caused by medical bills is special and should wait 120 days before it's reported late on credit reports, according to legislation introduced in Congress ... (See Medical debt)

Credit report complaints highlight errors -- One out of five people who complained about their credit reports said they contain information that does not belong to them, according to newly released figures ... (See Credit report errors)

People are managing cards better, survey finds -- Americans are getting better at paying off their credit card bills and avoiding interest charges, but about a third are still struggling to pay more than the minimum ... (See Financial survey)

FTC targets cash-reload code scams -- The FTC has proposed banning telemarketers from taking payments via cash reload codes that are used to fund prepaid cards. The codes make it too easy for fraudsters to take cash without leaving a trace ... (See Cash reload)

Study: Credit card debt causes people to forgo medical care -- A study by a pair of University of Michigan sociologists finds people who are ill and don't seek treatment because of the cost are more likely to have credit card debt than other forms of debt ... (See Medical care and card debt)

Infographic: Young adults most optimistic about finances -- Americans from age 18 to 29 have an optimistic outlook on their financial futures. Things look significantly gloomier to older Americans, however ... (See Financial outlook)

NY Fed: Credit card balances reach new low -- Consumers resumed paying down their card balances in the first quarter of 2013, the New York Fed reported, and delinquencies improved ... (See NY Fed)

Survey: Consumers still don't understand credit scores -- Women have more credit knowledge, says a study released Monday, but few of us really understand what makes us creditworthy ... (See Credit survey)

California blasts Chase for robo-signing -- California's attorney general accused Chase Bank of using false documents in court cases to collect credit card debts ... (See Chase robo-signing suit)

$45 million heist shows vulnerability of prepaid cards -- Prepaid debit cards are quickly growing in popularity among consumers, but the global conspiracy that stole $45 million from two Middle Eastern banks shows that they’re also attracting attention from another element: criminals ... (See Heist)

Credit card balances fall in March -- Consumers used plastic less in March amid gloomy reports from the job front and a deceleration in spending ... (See G.19)

Fed holds line on interest rates -- The Federal Reserve's rate-setting committee voted to continue its low-rate policy in the face of stubborn unemployment ... (See Federal Reserve low intrest rate)

CFPB changes stay-at-home spouse rule -- The federal government's consumer agency has finalized a rule change to make it easier for nonworking, stay-at-home spouses to get their own credit cards ... (See Stay-at-home spouses)

Card add-on products stage a comeback -- Add-on services like payment protection are expected to rebound from regulators' smackdown ... (See Card add-ons)

Feds crack down on payday loans, deposit advances -- Banks and storefront lenders will face new rules on small-dollar loans to protect borrowers ... (See Payday loan rules)

Fed study: Recession really changed our spending habits -- We didn't just have our credit cards taken away during the recession, we gave them up. So says a new New York Fed study, which says the historic drop in debt was at least partly the result of households tightening their belts ... (See Fed study)

FTC fraud survey: 1 in 10 American adults swindled -- Weight-loss scams, prize promotions, membership rip-offs lead the phony pack in the Federal Trade Commission's survey of swindles ... (See FTC fraud survey)

Rate survey: Credit card interest rates remain at 14.95 percent for ninth week -- April 17, 2013: Interest rates on new credit card offers have stalled out, and remained at 14.95 percent for the ninth consecutive week, according to the Weekly Credit Card Rate Report ... (See April 17: Rates at 14.95% for 9th straight week)

Robo-signed collection cases under fire -- Practices that let debt buyers win collection judgments with just hurriedly signed affidavits appear headed for a major overhaul ... (See Robo-signed debt collection)

Poll: Card debt the No. 1 taboo subject -- Credit card debt? Shhhh! It ranks as the No. 1 taboo subject, ahead of sex, politics and religion as a conversational no-no, says a poll ... (See Taboo)

GAO: ATM surcharges climbing -- The average ATM surcharge at banks and credit unions is up 20 percent since 2007, not counting inflation, a GAO report says ... (See GAO study: ATM surcharges up 20%)

Bankruptcy filings plunge in first quarter of 2013 -- Chapter 7 and Chapter 13 bankruptcy fillings fell the most in states hard hit by the recession, including Nevada and California ... (See 1st quarter bankruptcies)

Credit card interest rates stay at 14.95% for eighth straight week -- April 10, 2013: Interest rates on new credit card offers remained at 14.95 percent once again this week, according to the Weekly Credit Card Rate Report ... (See Rates survey, April 10, 2013)

Infographic: Consumers prefer mobile banking to mobile payments -- Proponents of mobile payment technology tout the convenience of leaving your wallet at home. Yet, while consumers are eager to bank by phone, they're not sold on buying by phone ... (See Mobile payments)

Infographic: More taxpayers reaching for credit cards -- Most Americans will use checking or savings accounts to pay their taxes this year. But more are reaching for credit cards ... (See Paying taxes)

Fed: Card balances rise in February -- Credit card balances rose in February as consumer spending increased, despite the specter of pending budget cuts ... (See credit card balances up)

Infographic: Lack of savings consumers' biggest financial worry -- To kick off Financial Literacy Month, the National Foundation for Credit Counseling asked consumers which money matters worry them most ... (See Money worries)

Cash-now promise of lawsuit loans under fire -- Lawsuit loans -- cash advances given to lawsuit filers before a case is settled -- are the latest fast-growing, high-fee lending industry to draw controversy and attempts at regulation ... (See Lawsuit loans)

Infographic: Young adults ditch homeownership, rack up student loans -- While young people's post-recession lifestyles include fewer homes, fewer cars and less credit card debt, their student loan debt has skyrocketed ... (See Young adult debt)

Expiration dates fuzzy on old card debt -- Card issuers' rules and conflicting legal rulings laws make it tough to tell when a consumer's debt ages past the statute of limitations ... (See Uncollectible debt)

Rate survey: Card interest rates hold steady at 14.95% for 5th week -- Interest rates on new credit card offers remained flat this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Survey: Credit card interest rates stay at 14.95 percent -- Interest rates on new credit card offers remained flat this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Fed: Card balances rise in January -- Credit card balances rose in January, as a fiscal cliff cut in take-home pay and higher prices at gasoline pumps caused consumers to lean more on their plastic ... (See credit card balances up)

Survey: Card rates remain at 14.95 percent for 3rd straight week -- Interest rates on new credit card offers remained at 14.95 percent Wednesday for the third consecutive week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Credit card complaints zing companies -- Newly published complaint data give a look at card issuers' relationships with customers -- and which companies are likely to pay back a customer with a gripe ... (See Most complaints)

NY Fed: Consumer debt market shows signs of 'healing' -- As 2012 drew to a close, the overall consumer debt market showed signs it is finally on the mend, says research from the New York Fed ... (See Consumer debt )

Rates hold at 14.95 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained static Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

Tax refund theft surges in FTC's list of consumer complaints -- A surge in tax refund ripoffs solidified identity theft as the top consumer complaint in the Federal Trade Commission's annual list ... (See Tax refund theft)

Infographic: Issuers stingier with credit post-CARD Act -- Since the CARD Act went into effect in early 2010, you need a higher credit score to get more measly credit limits, according to the American Bankers Association ... (See Credit after CARD Act)

2012 credit card complaints reveal trouble hot spots -- Complaints sent to new federal database paint a nationwide mosaic of misery, and the complainingest people tend to have comfortably high incomes ... (See Card complaints)

Rate fall to 14.95 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell Wednesday for the first time in nearly a month, according to the Weekly Credit Card Rate Report ... (See Rate report)

Bankers' group says CARD Act raised rates, lowered credit access -- The 3-year-old federal credit card reform law is a mixed bag, banking lobby group says, but hurt consumers access to credit and raised rates ... (See CARD Act impact)

Prepare for paperless Social Security benefits -- As of March 1, 2013, paper checks for Social Security and other federal benefits disappeared, replaced by direct deposit or, for those with no bank accounts, prepaid debit cards. Here's how the check-less system works ... (See Federal benefits go digital )

American, US Airways merger could launch credit card battle -- While American Airlines and US Airways struck notes of love and harmony when announcing their merger, the union could set up a battle between two major banks over who can offer credit cards to customers of the world’s largest airline ... (See Airline merger rewards fallout)

Rates hold steady at 14.96 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained at 14.96 percent, according to the Weekly Credit Card Rate Report ... (See Rate report)

Smartphone apps to help with taxes -- Pay Uncle Sam with your thumbs? Yes, you can with new or improved smartphone tax apps that let you file taxes, guesstimate refunds and more ... (See Tax apps)

FTC report: 1 in 5 Americans has a mistake in credit report -- If applied to the 200 million Americans with credit reports, the Federal Trade Commission's findings would mean 40 million have a credit report mistake ... (See Credit report mistakes)

Infographic: In tough job market, student debt grows -- Recent grads are caving under the weight of their student loans, a TransUnion study has found ... (See Student loans)

Costly tax refund loans not really gone -- While RALs have effectively been banned, consumers are still being pitched to pay big on costly tax refund advances ... (See Refund anticipation loans live on)

Credit card balances slide in December -- Consumers' credit card balances fell in December 2012, as concerns about the fiscal cliff overshadowed holiday cheer ... (See Consumer credit card balances)

Rates tick up to 14.96 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers inched up this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Executive pay at credit counseling agencies -- Their clients are at the brink of bankruptcy, but executives at some of the largest nonprofit credit counseling agencies are in the top 1 percent of U.S. earners ... (See CEO salaries at credit counseling agencies)

Feds bust sophisticated credit card ring that stole $200 million -- In a massive manipulation of the credit card system, a New Jersey-based fraud ring stole more than $200 million by creating 7,000 false identities and 25,000 bogus cards ... (See Credit card fraud)

Credit counseling agencies get bigger, but are they any better? -- A wave of consolidation is rapidly transforming credit counseling from locally based agencies to national call centers ... (See Big credit counseling agencies get bigger - but better?)

Top 10 consumer credit counseling agencies -- Slideshow lists the 10 largest nonprofit consumer credit counseling agencies in the U.S. by revenue; their top executives, and executive pay ... (See Credit counselors)

The business of credit counseling -- Nonprofit credit counselors benefit from a solid reputation but clients face high dropout rates and difficulty getting information ... (See Credit counselors)

Fed: Banks remain reluctant to ease terms on new cards -- Banks have made it somewhat easier for consumers to get a new card or qualify for a credit limit increase. However, the pace of change remains glacially slow ... (See Fed: Banks reluctant to ease credit card terms)

1099-Ks: Small businesses face new penalties, paperwork for tax reporting -- Credit card issuers and third-party settlement organizations like PayPal are now required withhold 28 percent of gross receipts from merchants who have not given them the company’s correct information ... (See New 1099-K form)

BBB, NFL warn: Super Bowl scams can injure unwary 49er, Ravens fans -- This year's Super Bowl is a hot ticket, but the BBB and NFL merchants warn of rip-offs that can put a big hit on your wallet ... (See Beware Super scams)

FTC: Debt collectors often have skimpy info -- About 1 million U.S. consumers a year dispute debts, says a new FTC report, and no wonder: Collectors often have little info on what is owed ... (See Collectors' skimpy info)

Rates remain at 14.95 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers held steady at 14.95 percent Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

Heavy debt a major turnoff, especially for women, survey finds -- Attitudes regarding debt loom large over any relationship, and that's especially true for women, who find heavy debt a huge turnoff, says a survey ... (See Debt's a turnoff)

Fed: As long as unemployment is high, rates will remain low -- If, after all these years, you still haven't taken advantage of today's historically low interest rates, don't worry. Today's record low rates aren't going to disappear any time soon ... (See FOMC)

Credit card surcharges now allowed, but retailers hesitate -- A court settlement gives retailers the right to recover "swipe fees" by charging extra for credit card use starting Jan. 27, but will they? ... (See Credit card surcharges)

FTC broadens case in $275 million '' scam -- Agency goes after relatives, mansion, $1 million in silver, alleging that ill-gotten gains scammed from credit card holders were shielded from seizure ... (See

Rates dip slightly after 10-week status quo: Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell slightly Wednesday after remaining unchanged for 10 straight weeks, according to the Weekly Credit Card Rate Report ... (See Rate report)

Rates don't budge for 10th straight week: Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained unchanged for the 10th consecutive week, according to the Weekly Credit Card Rate Report ... (See Rate report)

States limit welfare debit cards to ban tobacco, alcohol, lottery, porn purchases -- Prodded by abuses, states pass laws preventing food stamp and welfare debit cards from being used to buy tobacco, alcohol, lottery tickets and porn ... (See Benefit cards)

Bankruptcies fell 14% in 2012, continuing 2-year decline -- Bankruptcy filings for 2012 year show a 14 percent fall, following a 12 percent decline the prior year, as America continues its shaky economic recovery ... (See Bankruptcies fall)

Rates hold steady for 9th straight week: Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained locked at 14.96 percent for the ninth consecutive week, according to the Credit Weekly Credit Card Rate Report ... (See Rate report)

Consumer credit card balances pick up for the second month -- Consumer credit card balances rose in November for the second consecutive month, according to the Federal Reserve's latest G.19 consumer credit report ... (See G.19)

Infographic: Groceries top list of most popular rewards programs -- When it comes to credit card rewards most desired by consumers, grocery rewards eat everyone else's lunch, according to research from American Express ... (See Grocery rewards programs)

Infographic: Credit card delinquencies on the decline -- Delinquent payments on credit cards hit an 18-year low in the third quarter of 2012, according to numbers from the American Bankers Association ... (See Delinquencies)

Military gets tougher protections against high-rate loans -- Congress creates new enforcement powers for law that protects soldiers from high-rate loans ... (See Military)

Rates begin 2013 at 14.96 percent: Weekly Credit Card Rate Report -- Interest rates on new credit card offers began the new year at a standstill, according to the Weekly Credit Card Rate Report ... (See Rate report)

What's in the (credit)cards for you in 2013? -- Smartphone magic that lets you breeze through checkout lines? Higher barriers against rapacious card rip-offs? We ask analysts what's ahead in 2013 ... (See 2013 predictions)

Consumer bureau begins new look at credit card rules -- The Consumer Financial Protection Bureau launched a call for comments as part of a study on the Credit CARD Act of 2009 ... (See CARD Act review) Weekly Card Rates Report: Rates hold steady while consumer debt burden drops -- Interest rates on credit card offers held steady at 14.96 percent for a seventh week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Are overdrafts on prepaid cards a good deal or a debt trap? -- Overdraft programs on prepaid cards are sneaky, high-cost loans that should be outlawed, consumer advocates say. But some customers of the card company NetSpend couldn't disagree more ... (See Prepaid card overdraft)

Rates remain stuck at 14.96 percent: Weekly Credit Card Rate Report -- Interest rates remained locked at 14.96 percent for the sixth consecutive week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Prototype credit card, up for auction, drawing interest -- A crudely constructed but historic credit card with the first magnetic stripe expected to fetch more than $10,000 at auction ... (See Historic credit card)

Rates remain at 14.96 percent: Weekly Credit Card Rate Report -- Dec. 12, 2012: Interest rates on new credit card offers remained at 14.96 percent for the fifth straight week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Fed: Rates will remain low until unemployment improves -- If you're thinking about refinancing your home or buying a new car sometime next year, you still have plenty of time to do it. The Federal Reserve announced Wednesday that it will continue to keep the federal funds rate target near zero ... (See FOMC)

FTC cracks down on mobile apps for kids -- Games and other mobile apps aimed at kids have come under fire for sharing information and allowing in-app charges without adequate disclosure ... (See Kids' mobile apps)

Consumer credit card balances ratchet up in October -- Consumer credit card balances picked up in October after falling the previous month, according to the Federal Reserve's latest G.19 consumer credit report ... (See G.19)

Some credit reports falsely tag consumers as terrorists, drug traffickers -- Credit bureaus are selling lenders special notations on credit reports called OFAC alerts. But some bureaus aren't telling consumers about the alerts -- and aren't allowing them to dispute it ... (See False credit report alerts)

Consumers' credit card refund checks may be in the mail -- From now through early 2013, millions of credit card and debit card users should get refunds -- some in the hundreds of dollars -- due to settlements over the issuers' misdeeds ... (See Consumer refunds)

Rates stay put at 14.96 percent: Weekly Credit Card Rate Report -- Dec. 5, 2012: Interest rates on new credit card offers remained at 14.96 percent for the fourth consecutive week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Rates remain stuck at 14.96 percent: Weekly Credit Card Rate Report -- Nov. 28, 2012: Interest rates on new credit card offers idled at 14.96 percent for the third straight week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Your fiscal cliff: What to do now to prepare for a financial fall -- If we fall off a 'fiscal cliff,' do you know where you would land? Here's what to do now to prepare and soften the impact of expiring tax breaks, spending cuts ... (See Fiscal cliff)

Consumers boost credit card spending, N.Y. Fed report says -- Consumers are more open to using their cards than they have been in the past. But they're relying on the cards they've got, rather than applying for new ones, according to new Federal Reserve data ... (See Consumer credit)

Rates hold steady at 14.96 percent: Weekly Credit Card Rate Report -- Nov. 21, 2012: Interest rates on new card offers held steady this week, according to the Weekly Credit Card Rate Report ... (See Rate report )

CFPB begins working with bank alternatives -- The Consumer Financial Protection Bureau announced an initiative to gather information from companies such as Web-based bank alternatives, signaling the expansion of its watchdog role into emerging financial services ... (See Project Catalyst)

Rates slide to 14.96 percent: Weekly Credit Card Rate Report -- Nov. 12, 2012: Interest rates on new credit card offers fell this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

2012 gift card survey -- Despite their reputation for being thoughtless gifts, gift cards continue to grow in popularity -- with many using them more as budgeting tools ... (See Gift card survey)

How federal 'Show us your cards' rule would work at the border -- A proposed rule to fight money laundering and terrorists would require people entering the U.S. to disclose their prepaid cards' values. Here's how it would work ... (See Prepaid cards)

'Welcome to the US; show us your papers -- and your cards -- In a move to thwart money laundering and terrorists, proposed U.S. border-crossing rules would include a new intrusion: travelers would have to declare prepaid cards' value ... (See Prepaid cards)

Survey: Holiday budgets fall in popularity -- For the fourth year in a row, holiday shoppers are less likely to cut back spending or create a budget, a USAA survey finds ... (See Infographic: Holiday spending makes a comeback)

Syracuse study: Consumer credit problems easing -- Consumer lawsuits about a grab-bag of credit-related problems are falling this year for the first time since the financial crisis began in 2008, according to a report by the Transactional Records Access Clearinghouse at Syracuse University. ... (See Consumer credit)

Election results strengthen consumer protection -- Election wins by President Barack Obama and consumer rights firebrand Sen. Elizabeth Warren of Massachusetts strengthen the hand of the fledgling Consumer Financial Protection Bureau, policy analysts said ... (See 2012 election)

Consumer credit card balances fall in September -- Consumer credit card balances fell in September after surging the previous month, according to new data from the Federal Reserve ... (See G.19)

Rates hold at 15.01%: Weekly Credit Card Rate Report -- Nov. 7, 2012: Interest rates on new credit card offers stayed put this week, according to the Weekly Credit Rate Report ... (See Rate report)

Study: Credit cards carry germs such as MRSA -- A study reveals that half of all credit cards sampled tested positive for methicillin-resistant Staphylococcus aureus -- better known as the deadly MRSA infection ... (See Germ-carrying credit cards)

FTC takes aim at 'robocall' scams -- The FTC announced a crackdown on robocalling violations amid a surge in complaints about the annoying and sometimes costly practice ... (See Telemarketing robocalls)

Fed: Credit cards are slightly easier to get, but consumers remain cautious -- If you've got less than stellar credit, you have a better chance at getting a new card with favorable terms. But if you're like many consumers these days, you may not want one ... (See Fed report on credit)

Card rates rise slightly: Weekly Credit Card Rate Report -- Oct. 31, 2012: Credit card interest rates ticked up this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Disasters bring out charity scams -- Every disaster will bring in its wake tugs at your heartstrings and appeals for your generosity. History says some of them will be bogus ... (See Scams)

New mobile technology leads to new fraud techniques -- Scammers are always trying to stay a step ahead, so it's no surprise they're finding ways to use QR codes and other forms of mobile malware ... (See New fraud)

Layaway 2012 season begins with an early rush -- Layaway payment plans, reborn in the recession, are retaining their popularity and coming back early, though consumers should be wary of the fees ... (See Layaway)

Card rates stay at 15% for sixth straight week: Weekly Credit Card Rate Report -- Oct. 24, 2012: Credit card interest rates lingered at 15 percent Wednesday for the sixth straight week, according to the Weekly Credit Card Rate Report ... (See Rate report)

Intense Facebook use goes with higher credit card debt -- Those who frequently used Facebook to socialize with close friends tend to have higher debt, lower credit scores, says new research ... (See Facebook use = more debt)

Fed opts for status quo, leaves rates at record-lows -- If you're still several months away from being able to afford a down payment on a house or replace your aging car, relax. Today's record low rates are unlikely to change until at least 2015, says the Fed ... (See FOMC)

Consumer board (CFPB) begins federal supervision of debt collectors -- Under a final rule issued Wednesday, the federal consumer watchdog will routinely inspect the operations of the 175 biggest debt collectors beginning Jan. 2, 2013 ... (See Debt collectors)

Bankruptcy filings continue to slip in third quarter of 2012 -- Filings are down 14 percent in the first nine months of the year, although experts expect them to resume an upward climb soon ... (See Bankruptcy filings Q3)

Q&A with 'The Fine Print' author David Cay Johnston -- The print may be tiny when it dings you for a few cents or tilts the balance of power toward a big company, but the personal and societal consequences aren't ... (See 'Fine Print')

Financial watchdog is now accepting complaints about credit reports -- The financial watchdog is now accepting complaints related to consumers' credit reports -- and demanding answers from the credit bureaus ... (See Credit report complaints )

Feds soften rules to let stay-at-home parents qualify for credit cards -- A rule intended to keep credit cards out of the hands of irresponsible youths had also prevented stay-at-home parents from getting them ... (See Stay at home moms)

Card rates remain at 15% for fifth week: Weekly Credit Card Rate Report -- Oct. 17, 2012: Credit card interest rates remained at 15 percent Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

Disputing errors on credit reports: A broken process -- A federal law is supposed to guarantee that credit report errors get fixed. So why do some people wind up spending months or even years trying to remove legitimate errors that are ruining their credit? ... (See Credit)

Credit card interest rates remain stuck at 15%: Weekly Credit Card Rate Report -- Oct. 10, 2012: Interest rates on new credit card offers remained at 15 percent on Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

With federal law vague, online gambling advocates try to find wild cards at state level -- For online gambling advocates, the federal landscape has become cloudy, so they're turning to states, hoping to rack up smaller wins there ... (See Online gambling)

Consumer credit card balances rise -- Consumer credit card balances rose in August after falling two months in a row, according to new data from the Federal Reserve ... (See G.19)

Online fan sites of Bieber, Rihanna, others fined $1 million by feds in privacy case -- Young people with Bieber Fever were encouraged to 'grab a parent with a credit card,' join a fan club and improperly share personal information, feds say ... (See Bieber fan site fined)

Areas struggling from recession still cautious with credit debt -- According to data from Experian, cardholders' willingness to pull out the plastic is partly determined geography -- specifically, by whether an area has recovered from the recessoin ... (See Credit card debt)

Credit card interest rates remain stuck at 15%: Weekly Credit Card Rate Report -- Oct. 3, 2012: Interest rates on new credit card offers remained at 15 percent on Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate Report)

American Express to refund $85 million for marketing, debt collection violations -- Federal regulators have forced American Express to refund $85 million to 250,000 customers over its marketing and collection practices ... (See AmEx refund)

Credit card interest rates remain at 15%: Weekly Rate Report -- Sept. 26, 2012: Interest rates on new credit card offers held steady on Wednesday after rising to 15 percent the previous week, according to the Weekly Credit Card Rate Report ... (See Rate Report)

Study: Domestic violence victims also often endure 'coerced debt' -- Victims of domestic violence are often controlled by their abusers, and a new study says destruction of their credit is one method ... (See 'Coerced debt')

Infographic: Fewer credit cards among college students -- College students may be getting smarter -- about personal finance, that is; their overall credit card ownership has dropped in the last two years. ... (See Student credit)

Zombie debt business booms; consumers at risk -- Do you have a debt from years ago that you never paid? If so, beware: that old account could come lurching back to life when you least expect it ... (See Zombie debt)

Discover agrees to pay $214 million to settle payment protection case -- Discover Bank's tentative agreement with federal regulators includes $200 million in refunds to consumers who bought the high-priced add-on plans ... (See Discover settlement)

Telephone scam artists pay up -- Three men are settling charges for selling credit cards that could only be used to purchase items such as "play flutes." ... (See credit card scam)

CFPB takes over regulation of major credit reporting agencies -- As of Sept. 30, 2012, the Consumer Financial Protection Bureau began supervising the biggest credit reporting agencies ... (See CFPB begins overseeing credit bureaus)

Highest credit scores in Wisconsin, study says -- It seems the Midwest stayed strong during the economic downturn, but the credit scores of folks in the South leave something to be desired ... (See Credit scores by area)

Despite chipless iPhone 5, smartphones morphing into payment devices -- The hot new iPhone doesn't have a chip in it to allow payments, but experts still expect we'll soon pay with the same gadgets we yak with ... (See Smartphones as payment devices)

Credit card interest rates hit 15%: Weekly Rate Report -- Sept. 19, 2012: interest rates on new credit card offers rose this week, according to the Weekly Credit Card Rate Report ... (See Rate Report)

'Innocence of Muslims' filmmaker's credit card crime connection -- The reputed creator of the anti-Muslim video that incited mob violence in the Middle East is a convicted credit card con artist and bank fraudster, court records show ... (See 'Innocence' filmmaker's credit card crimes)

Infographic: Mobile banking on the rise for young and old -- A quarterly survey conducted by Citi revealed that consumers who bank using their mobile device is growing, even among older age groups. ... (See Mobile banking rising)

Fed pledges low rates through 2015 -- If you've been holding off on buying a new car or refinancing your mortgage, you've still got plenty of time. The Federal Reserve announced Thursday that it will continue to leave the federal funds rate target at rock bottom ... (See FOMC)

Credit card interest rates hold firm: Weekly Rate Report -- Sept. 12, 2012 - Interest rates on new credit card offers held steady for the third week in a row, according to the Weekly Credit Card Rate Report ... (See Rate Report)

Prepaid card debuts for recovering addicts -- A new prepaid card blocks the transactions that may cause a recovering addict to fall back into old habits ... (See Next Step: a card for addicts)

Fed report: Consumer credit card balances fall again -- Consumer credit card balances fell for the second straight month in July, according to new data from the Federal Reserve ... (See G.19)

Credit card interest rates remain stable: Weekly Rate Report -- Sept. 5, 2012 -- Credit card interest rates held firm for the second straight week, according to the Weekly Credit Card Rate Report ... (See Rate survey)

Rejected for credit? Maybe it's because you're dead -- Rejected for a loan because your credit history was shut down? It could be because the credit bureaus think you're dead ... (See Credit zombies)

Credit card interest rates remain unchanged: Weekly Rate Report -- August 29, 2012 -- Credit card interest rates held steady this week, according to the Weekly Credit Card Rate Report ... (See Rate Report)

'Jury duty' phone scam makes the rounds, attorney generals warn -- Scam artists' latest trick, authorities warn, is to say you've missed jury duty and face jail -- unless you give up your credit card information ... (See Credit card scam)

American Express, Discover lead J.D. Power credit card satisfaction survey -- It's been four years since a recession-and-regulation racked card industry smacked down its customers. Now, a survey says, satisfaction is creeping back up ... (See Satisfaction)

Credit card interest rates rise: Weekly Rate Report -- August 22, 2012 -- Credit card interest rates ticked up this week, according to the Weekly Credit Card Rate Report ... (See Rate Report)

Supreme Court case could chill debt collection lawsuits -- In a case before the Supreme Court, consumer agencies argue debtors shouldn't have to pay costs of suing debt collectors ... (See Supreme Court debt collection case)

American shoppers emphatically say 'no' to credit card surcharges -- Nearly two in three Americans say they would stop using their credit cards if retailers start tacking on extra fees for paying with plastic, according to a new poll ... (See Credit card surcharges)

Credit card interest rates remain flat: Weekly Rate Report -- August 15, 2012 -- Credit card interest rates held steady for the third straight week, according to the Weekly Credit Card Rate Report ... (See Rate Report)

Fair Credit Reporting Act: a guide to your rights -- It's not always easy to get errors corrected on your credit reports. However, don't give up yet: You have a 1970 law on your side that can help ... (See Fair Credit Reporting Act)

Americans slightly hungrier for credit cards, banks dole them out cautiously -- A slightly larger number of U.S. consumers applied for credit this summer, but banks aren't making it much easier for them to borrow ... (See Fed report on credit)

Use caution when making political donations, especially with credit cards -- It’s easier than ever to give to a candidate or cause by credit card, but be wary: Candidates aren't always security savvy, and crooks abound who aren't honest as Abe ... (See Credit card political donations)

5 reasons you don't really want to win the lottery -- While it's fun to daydream about it, winning a lottery, fortune comes with risks, responsibilities and a flood of moochers, fakers and false friends ... (See Win the lottery? No thanks)

Pros and cons of paying the IRS with a credit card -- Paying your taxes by credit card is convenient, but the fees will likely outweigh any rewards ... (See Pay taxes)

Consumer credit card debt grows in October -- Consumer credit card balances edged higher in October, defying experts' expectations, according to new data from the Federal Reserve. ... (See Consumer credit)

How credit freezes work, what they cost -- Credit freezes can be great tools for protecting yourself against identity theft, experts say, but they're not for everyone ... (See Credit freeze)

Home improvement financing: Compare 8 choices -- As a contractor matches a saw to the cut, match your home improvement financing choice to the job at hand ... (See Home improvement financing)

Fed: Want a credit card? Prove you can pay the bill -- In an 800-page document released Sept. 29, 2009, the Fed lays out rules that require credit card issuers to confirm borrowers' ability to pay ... (See Fed: prove ability to pay credit card )

Are elite credit cards worth it? -- If your credit rating is outstanding, you earn big and spend big, you could win an elite credit card, which provides premium benefits -- at extreme cost ... (See Elite)

How to replace a lost, stolen gift card (or return an unwanted one) -- The reason so many of us love gift cards -- they're a lot like cash -- is also the reason they can be hard to replace when they're stolen or lost. However, there are steps you can take to reclaim that moolah ... (See Returning, replacing gift cards)

1099-C surprise: Canceled debt often taxable as income -- Many consumers aren't aware that forgiven credit card debt may be taxable income, and it shows up on an IRS 1099-C form ... (See 1099-C)

Charitable donation by credit card gives quick tax deduction -- The end of the year is the time to consider wrapping up your charitable donations to qualify for the current year's tax deduction, and there's no quicker way to donate than with a credit card. ... (See Credit card charitable deductions)