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

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

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

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

Thousands file comments on Fed proposal to change credit card practices -- Consumers have turned out in force to support proposed Fed rules reining in the practices of credit card issuers. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Good credit customers: Shop around for the best interest rates -- If you have good credit, it pays to shop around for lower interest rates. ... (more)

When a child obtains a credit card, who's liable for debt? -- A 15-year-old charges up $2,000 in credit card debt. Her parents wants to know who is responsible for paying off the balance. ... (more)

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

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

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

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

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

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

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

How canceling a credit card will impact your credit score -- Elements to consider when canceling a long-standing credit card and how that cancellation will impact your credit score. ... (more)

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

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

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

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

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

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

When balance transfers make sense -- There's no sense in delaying balance transfers to lower interest rate credit cards if your credit is good. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

Card issuers apply payments to lower interest rate balances first -- Balance transfers, cash advances and purchases typically have different APRs. Card issuers apply payments to lower interest rate balances first. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Credit to their generations: The Millennials -- The attitudes and behaviors of the Millennial Generation and how they use credit cards ... (more)

Credit to their generations: How Generation X views credit cards, debt -- The attitudes and behaviors of Generation X and how they use credit cards ... (more)

Credit to their generations: How baby boomers view credit cards, debt -- The attitudes and behaviors of the baby boomer generation and how they use credit cards ... (more)

Credit to their generations: How 'Greatest' and 'Silent' view credit, debt -- The attitudes and behaviors of the Greatest and Silent generations and how they use credit cards. ... (more)

Credit to their generations: How 'greatest,' boomers, Xers and Millenials differ on credit -- The attitudes and behaviors of different generations and how they use credit cards. ... (more)

Don't let a disability ruin your credit -- An unexpected illness or injury can send you into debt and sink your credit rating faster than you can say, 'I need disability.' ... (more)

Recession-proof your credit and finances -- Economic downturn. Temporary slump. Whatever you want to call it, you need to be prepared financially for economic ups and downs. ... (more)

Poll: Half of America won't spend their 'stimulus' rebate -- The president wants us to spend it, but most say saving and paying off debt are higher priorities for their economic stimulus rebate checks. ... (more)

Despite lingering online fears, virtual credit cards stall -- Although the paranoia that spawned them and the hoopla that accompanied their birth have died down, virtual credit cards are still available for those who want extra assurance. ... (more)

Consider all options before filing for bankruptcy, says The Credit Guy -- The reason that bankruptcy is recommended only as a last resort is because of the personal and financial toll a bankruptcy has on a person or family, The Credit Guy advises a reader. ... (more)

Card issuers' bad earnings reshape credit card offers -- The awful annual results reported by credit card issuers may not be felt only by shareholders. They have begun to cause pain to some credit cardholders, as well. ... (more)

Relocation and credit cards: managing credit and moving -- Prevent unnecessary expenses and maintain your credit score by keeping tabs on your credit cards and debt during a move. ... (more)

Debt collectors' ethics codes -- Associations of debt collectors try to curb abuses in the collections industry. ... (more)

11 tips for dealing with debt collection, collectors -- Deal with it, experts say. Otherwise, matters can only get worse. ... (more)

Debt collection sample letters -- Customize and print out these sample letters to put keep collectors behaving lawfully. ... (more)

Know your rights: Fair Debt Collection Practices Act -- Experts say consumers should face the facts and deal with debt collectors, but also know and understand their consumer rights and protections. ... (more)

Consumer credit woes mean boom in debt collection -- If you've never been contacted by a debt collector before, chances are growing you will. Collection activity has increased sharply as the economy swoons, and it's more important than ever for consumers to know their rights. ... (more)

529-linked credit cards help make college more affordable -- New credit cards link to 529 plans and function like cash-back credit cards, putting rebates into a college savings plan ... (more)

Best to skip most 'skip-a-payment' offers -- Offers by credit card issuers to skip a monthly payment can seem like a godsend, but if cardholders think such payment holidays are a free ride, they'd better think again. ... (more)

Keeping up credit while in jail may not be possible -- It's noble to want to help a jailed friend keep up his credit score while serving time, but unless you want to pay his bills, some things just aren't possible, says The Credit Guy. ... (more)

Tips for immigrants building a U.S. credit history -- America lures many who dream of living better. But when immigrants arrive, their credit histories rarely make the trip. ... (more)

10 wacky ways to spend 'stimulus' money -- Anyone can be responsible with the windfall from the economic stimulus package. But can you creatively blow the money? We could. Here are 10 ideas. ... (more)

10 wise ways to spend 'stimulus' money -- Here's 10 suggestions from experts for smart ways to spend the windfall from Uncle Sam's economic stimulus package. ... (more)

How to finance an engagement ring -- If you want her to marry you for richer and not poorer, study the fine print to make sure the bauble on her finger doesn't turn into a ball and chain on your newlywed finances. ... (more)

Banks may cut slack for tornado victims -- After dozens of tornadoes whipped through the South, killing at least 57 people, the federal government, banks and credit card issuers offer relief. ... (more)

Credit card balance transfers -- This series of articles will help you figure out the best way to transfer and consolidate the balance of your debt. ... (more)

Use corporate credit cards wisely -- Used wisely, corporate credit cards can help you achieve career goals and reap personal perks. Used poorly, they can lead to a corporate freefall, or at least a drop of a few rungs. ... (more)

Dad co-signed, I messed up his credit. Now what? -- You ruined Dad's credit score by running up a big debt on a card he co-signed for you, but no, you didn't cost him his house, The Credit Guy advises a reader. ... (more)

Credit card recommendations for your post holiday bills -- Credit card bill-paying tactics that can help you deal with high post holiday card payments. ... (more)

Balance Transfers: Learn how control your debt by consolidating it -- See how low interest balance transfers can help you pay off your debt more easily. ... (more)

Credit card debt consolidation -- Credit card consolidation may be right for you if you are facing high interest rates. ... (more)

6 tips for organizing gift, debit and credit cards -- Between gift cards, debit cards and credit cards, you can end up with a lot of plastic. Here are six organizing tips. ... (more)

Credit card spending increases for health care -- A CreditCards.com poll found that nearly two out of three Americans say they or their family could face hard financial times if they experience a serious illness. ... (more)

Health care credit cards rise to fill insurance gap -- As the ranks of the uninsured soar, a new generation of health care cards is emerging on the market, but not everyone is cheering their arrival. ... (more)

CreditCards.com poll results: Credit and health care costs -- A CreditCards.com poll finds a majority of Americans realize that inability to pay their share of health care costs has the potential to wipe them out financially. ... (more)

15 tips for paying high medical bills -- Savvy consumers should comparison shop for payment options when paying for medical expenses. Here are some helpful tips to cope with high medical bills. ... (more)

How to opt out of credit card rate increases -- If you've been notified that your interest rate is going to jump, you can pay your credit card off at the old rate, but you lose use of the card, says The Credit Guy. ... (more)

United Way links card use to donations -- One of the country's best-known nonprofits is trying to raise money from the rise in Americans' use of credit and debit cards. ... (more)

When do credit card balance transfers make sense? -- Having a firm repayment plan makes the difference, The Credit Guy tells a CreditCards.com reader. ... (more)

How young is too young for credit cards? -- Preparation for wise credit card use should begin early to help children avoid trouble when they can legally apply for cards at 18. ... (more)

Pay off credit card debt or declare bankruptcy? -- It's painful, but a reader who took $13,000 in credit card cash advances and lost it to an Internet scam needs to pay the money back, says The Credit Guy. ... (more)

Cell phones and contactless credit card technology -- What do you get when you add contactless credit capabilities to your cell phone? A single device for making calls and credit card purchases. You yak, you wave, you buy. ... (more)

Q&A: Pawn off $10,000 credit card debt on son? No way! -- The Credit Guy, who answers readers' questions for CreditCards.com, thinks this parent can pay off the delinquent bill. ... (more)

Holiday credit card debt solutions -- Climbing out of holiday debt isn't easy, but it has to be done. Here's how to assess the damage and get a plan together. ... (more)

Cure the debt hangover, shed credit card debt in '08 -- This set of articles will help you understand why you keep finding yourself in holiday debt, how to get out of this mess and how to prevent it from happening again next year. ... (more)

12 tips for renting a car with a debit card -- Renting a car with no credit card can be done, but expect extra obstacles and costs. These tips can help you overcome them. ... (more)

Credit Score - Protect yours with a debt consolidation plan -- In order to protect their credit score, many consumers are seeking debt consolidation loans. ... (more)

Expert Q&A: Budget for debt, but not too tightly -- A recent college graduate saddled with debt needs a spending and paydown plan, but it's bound to fail unless it includes some fun, says The Credit Guy. ... (more)

21 resolutions to beat credit woes and debt regret -- Minimize debt and maximize credit advantages in the coming year with these 21 credit and debt resolutions. ... (more)

Disclosures would increase on subprime credit card fees -- Subprime cards carry upfront fees that the Federal Reserve board contends are not clearly disclosed to customers. ... (more)

Regulation Z proposed changes for minimum payments -- Credit card companies and credit issuers would have to tell account holders how long it would take to repay loans if they make minimum payments. ... (more)

Regulation Z amendments would require changes in credit card terms -- Regulation Z amendments would require changes in credit card terms to be displayed in a table for easy reading. ... (more)

Rules for credit card periodic statement disclosures -- Under proposed federal rule changes, monthly credit card statements would include tables to clearly disclose fees, interest, purchases and other details. ... (more)

Credit card reform: The fine print of proposed changes to Regulation Z -- Regulation Z requires creditors to disclose all costs and terms before a new credit card's first use. However, according to the board, "Currently, there are few ... (more)

Regulation Z rules proposed for credit card fee disclosures -- Credit card companies would have to clearly disclose fees charged to credit cardholders. ... (more)

Regulation Z would require credit card APR disclosure rules -- Regulation Z would require credit card companies to clearly disclose APRs. ... (more)

Regulation amendments propose fixed rate credit cards -- Fixed credit card rates would actually be fixed under Regulation Z amendments. ... (more)

Reg Z proposes credit card notice of term changes to 45 days -- Changes in terms of credit card contracts would need 45 days' advance notice. ... (more)

'Regulation Z' overhaul to change credit card fine print rules -- The Federal Reserve Board has proposed the most sweeping changes in nearly 30 years to credit card disclosure rules, known as Regulation Z. ... (more)

Regulation Z: Feds move to change credit card rules -- The Federal Reserve Board is likely to decide on final credit card disclosure rules in 2008. ... (more)

How the public feels about Regulation Z proposed changes to credit card disclosure rules -- Comments from consumers, credit grantors, payment processors and others on proposed changes to credit card disclosure rules ... (more)

Taking a credit card on a foreign vacation: 10 tips -- On balance, bringing your credit card on vacation is a smart decision, but expect extra fees and take precautions. ... (more)

Ask The Credit Guy: Do credit rehab myself? -- Credit counselor Todd Ossenfort, also known as The Credit Guy, answers a CreditCards.com reader's question about whether it's wise to embark on do-it-yourself credit repair. ... (more)

Verifone VX 670 allows diners to pay at the table -- The Verifone VX 670 allows transactions to be made at the table, keeping credit cards out of servers' hands. ... (more)

Survey: Most don't know what a credit freeze is -- Credit freezes, the powerful identity-theft-fighting tool that became available nationally Nov. 1, remain a mystery to most consumers, according to a new survey.   On behalf of ... (more)

The short, unhappy life of a credit card -- Hey, it's me. Your go-to credit card. Sure, we do a lot of shopping together but it's always just swipe, swipe, swipe. We never spend any ... (more)

Identity Theft: Consumers are attacked on smaller commercial websites -- Credit card dangers, such as identity theft, can pose a greater threat on smaller websites. ... (more)

Anatomy of a credit card -- The long string of numbers, the magnetic stripe, the signature strip and the hologram all play roles in making credit transactions work. Get to know ... (more)

Strategies for managing, getting rid of credit card debt -- Strategies for managing and getting rid of debt, including debt consolidation, while not hurting your credit. ... (more)

Business Credit Card Application Towards Start-up Costs -- Learn how Home Artisan Authority used a credit card to start its successful business. ... (more)

Charge card used for charitable giving yields rewards -- Charge cards can serve as a way to fund your favorite charities and non-profit organizations. ... (more)

Feds propose new right for consumers in credit disputes -- It will become a bit easier for consumers to dispute changes in their credit reports directly with banks or companies, according to a newly published federal regulation. ... (more)

Reward options for business credit cards – miles, rewards and cash back -- Business credit cards used to be plain-vanilla, no-frills cards that served only as a way to separate business spending from personal spending. Now business credit cards offer as many reward options as personal credit cards. ... (more)

How to claim expired gift card funds -- Tips for reclaiming 'lost' gift card money ... (more)

Gift card survey shows it pays to comparison shop -- If you want a 'use anywhere' gift card, expect to pay for the privilege, says the CreditCards.com survey. ... (more)

CreditCards.com survey of leading gift card providers -- CreditCards.com surveyed leading gift card providers to compare popular gift cards. ... (more)

7 tips for paying winter heating bills -- Having a hard time paying astronomic heating bills? These 7 tips can help. ... (more)

High winter heating bills, meet credit cards -- With heating bills sky high, consumers will be tempted to use utilities' new credit card payment options. Should they? ... (more)

Which utilities allow credit card payments in the United States? -- CreditCards.com surveyed many of the largest utility companies in the United States. A growing number of them offer customers the option of paying their bills with credit cards. Find out which major utility providers offer the service in your state. ... (more)

Study: Too much optimism leads to late card payments -- A little optimism leads to healthy financial decisions, according to researchers. Too much leads to overconfidence -- and unpaid bills. ... (more)

New programs encourage paying your mortgage via credit card -- Experts say these programs can work for the well-heeled, but for most, putting a house on cards is as financially flimsy as a house of cards. ... (more)

Moving abroad? Your credit history might not follow -- As technology advances in the banking and credit communities, you'd think something as simple as a credit rating should be readily available to banks, credit ... (more)

Credit card fraud monitoring can halt legitimate purchases -- While no one disputes the good that comes from preventing fraudulent transactions, overactive anti-fraud programs can prevent cardholders' legitimate transactions. ... (more)

A CreditCards.com survey of airline blackout dates -- CreditCards.com survey finds few formal blackout dates, but some restrictions still apply. ... (more)

Despite 'no-blackout' promises, fliers' freebies limited -- This is the season when frequent fliers' expectations crash headlong into airline realities. While most card issuers assure their rewards-seekers that there are no blackout ... (more)

Credit card fraud and online shopping -- Learn the credit card fraud dangers of online shopping and how to avoid them. ... (more)

8 ways to compare credit cards -- Not all credit cards are created equal, and comparing credit card offers can be challenging. What is best for one person may not be best ... (more)

Credit freezes go national, get chilly welcome -- Beginning Nov. 1, all American consumers gained a new weapon they can use to combat fraud and identity theft -- the credit freeze, which prevents ... (more)

Cashless businesses slowly catch on -- At Dave Hatfield's family-run restaurant, there's no cash register. Customers come and go for breakfast and lunch and paper currency is only rarely and reluctantly ... (more)

Disaster Preparedness Information - Using Credit Cards Wisely During Catastrophes -- How does a catastrophe impact my financial obligations? Learn what to do at CreditCards.com. ... (more)

Cardholders in Wildfire Stricken CA Aided by Banks -- Banks are working with victims of the California wildfires. Learn how at CreditCards.com. ... (more)

Disaster Preparedness - Ensure Your Finances are Safe -- If there's an disaster, will your important financial records be safe? Read these tips at CreditCards.com. ... (more)

Details of credit freeze laws in all 50 states -- Most states have passed credit freeze laws to combat identity theft and fraud. Here are the details for each state. ... (more)

11 ways for seniors to mop up credit card debt -- Before she sought help from the nonprofit Consolidated Credit Counseling Services Inc. about three years ago, Joyce Roberts’ credit card debt had swelled from $10,000 ... (more)

Older Americans' credit card debt rising -- Bankruptcy filings up among older credit card users, but experts offer quick ways to rein in debt. ... (more)

Helping a child establish credit in the 'post-piggyback' era -- All good things come to an end. That includes "piggybacking." This controversial credit practice gained steam a few years ago as a foolproof way for people ... (more)

Compare Credit Card Debt Strategies: Top four tips -- Compare credit card debt handling strategies and learn how to properly control debt. ... (more)

Poll: Mortgage is 1st payment priority, credit cards last -- Home is where the heart is, and the vast majority of homeowners are wholeheartedly committed to making their house payments, even when it means putting ... (more)

Survey: Grad students' credit card debt averages $8,216 -- Graduate students now average $8,216 in credit card debt, according to a new survey, which also says students wish they had learned earlier about handling ... (more)

Debit card and credit card usage rise as primary payment choice -- As debit card and credit card purchases become increasingly popular, check and cash payments wane. ... (more)

10 worst credit card mistakes -- Making these 10 mistakes will turn good credit into bad and bad credit into lenders-won't-go-near-you credit. ... (more)

Credit card arbitrage: Easy, but dangerous money -- Credit card companies usually make money from consumers. For a few daring consumers, it's the other way around. ... (more)

9 ways to avoid the subprime spillover problems -- The tightening of credit in the mortgage world has had limited effects so far among credit card issuers, but there are ways to make sure it won't hit you at all, experts say. ... (more)

Subprime mortgage mess eludes credit cardholders, so far -- The credit tightening caused by the subprime mortgage meltdown has so far only singed credit cardholders. ... (more)

Are you ready for some football credit cards? -- Sports-related credit cards have long let college fans tout their loyalties to their beloved Sooners, Buckeyes, Trojans or Ducks. Now, plastic for the sports nut ... (more)

Expect credit card offers even after bankruptcy -- Consumers once were hard pressed to get credit in the wake of a bankruptcy. Times have changed: After bankruptcy, credit card offers now flood mailboxes.The ... (more)

4 ways to re-establish credit after bankruptcy -- Most responsible consumers who go through bankruptcy hope to borrow money again at reasonable rates. It can be done. Here's how. After a bankruptcy, experts recommend ... (more)

CreditCards.com editorial corrections policy -- CreditCards.com strives to publish accurate information. If you believe we have published something in error or wish to comment on an article, please e-mail us at editors@CreditCards.com. ... (more)

Gas buyers fume at credit, debit card limits, 'blocks' -- High gas prices, industry practices leave consumers sputtering at the pump when they pay with plastic. ... (more)

Lay down your cards: Anthony Adams -- Anthony Adams vowed that he was done with credit cards after holding a part-time telemarketing job selling Visa Platinum cards. "I saw how aggressive the ... (more)

National Consumer Law Center report advises credit card industry changes -- A National Consumer Law Center report contends the credit card industry pushes consumers to borrow beyond their means, and recommends new regulations. ... (more)

Can you blame a credit card for those extra pounds? -- Data suggests that consumers may be contributing to their own weight problems by making fast-food purchases using credit cards and debit cards. ... (more)

Bill payment tips for making due dates every month -- Learn bill payment tips that will help you make payments on time and ensure all charges are authorized. ... (more)

Credit Card Fees Jump When Writing Cash Advance Checks -- Credit card fees can be costly when using credit card checks for some quick cash. ... (more)

Credit checks are required before iPhone activation -- Consumers wanting the iPhone must submit to credit checks and may be required to pay $250 security deposit if credit's no good. ... (more)

Credit card issuers may reduce credit limits -- Learn the reasons why an issuer may decide to reduce the credit limit on a consumer's credit card. ... (more)

Higher gas prices bump pump limits -- Higher gas prices have credit card users bumping up against limits on pay-at-the-pump charge amounts. ... (more)

Avoid rewards credit card pitfalls -- The perks provided by a rewards credit card, including cash back, can be outweighed by pitfalls consumers should avoid. ... (more)

Buying a car with a credit card -- Using a low interest credit card rather than a car loan to finance a car could be an option, as long as you are aware of what could trigger an increase in the card's APR. ... (more)

Avoiding bad credit when you lose a job -- Unemployed? Take these steps to avoid getting slapped with bad credit after losing a job. ... (more)

Credit Card Balance Transfer: Move debt to a lower interest card -- Periodically transferring credit balances to a lower interest card may be a good strategy. Learn more at CreditCards.com. ... (more)

Bad credit and divorce -- There's a link between bad credit and divorce. Learn how to avoid the pitfalls. ... (more)

Hidden credit card 'currency conversion fees' for overseas purchases may be returned -- Hidden credit card 'currency conversion fees' may be returned -- if you file soon. ... (more)

Paperless credit card statements: Right for you? -- Paperless statements from banks and other financial institutions can be beneficial for corporations and consumers, but consider these issues before you go electronic. ... (more)

Unemployed? Poor credit can leave you jobless -- Poor credit could affect whether you get hired for a job, since many employers look at applicants' credit reports. ... (more)

Study says smart people aren't necessarily wealthier -- A recent study found that smarter people may earn more money, but that doesn't mean they are necessarily wealthier. ... (more)

Pocket-sized devices enable credit card skimming -- Pocket-sized scanners allow crooks to skim credit card information when consumers hand over their plastic at stores, restaurants, and gas stations. ... (more)

Over-the-limit fees can occur if a credit card is used before monthly payment is processed -- A consumer could get hit with over-the-limit fees if they use their credit card before the card issuer processes the cardholder's monthly payment. ... (more)

How does MasterCard function? -- MasterCard acts as a connection between financial institutions and millions of businesses, cardholders and merchants across the globe.  But it is MasterCard's customers, a variety ... (more)

Advance fee credit cards -- Advance-fee credit cards target consumers with bad credit, but charge massive fees, don't rebuilt credit and can't be used like real credit cards. Avoid them. ... (more)

Tax time resolutions can help you reorganize finances -- Quick tax time resolutions can help you gain control of financial weaknesses. ... (more)

Bank accounts earn more interest when credit cards are used for purchases -- Paying with your credit card means funds stay in your bank account longer, earning more interest. ... (more)

Bad credit history and delinquent credit cards -- Having delinquent credit cards can quickly result in having a bad credit history and other repercussions. ... (more)

Low Rate Credit Cards: Keeping it low by paying fees -- Keep interest to a minimum on low rate credit cards by paying bills on time. ... (more)

Judge starts Credit Abuse Resistance Education to educate young credit card users -- A bankruptcy judge founds the Credit Abuse Resistance Education program dedicated to educating students about fiscal responsibility. ... (more)

Minimum credit card payments rise -- The increase in minimum monthly payments for credit cards issued by major banks has both positives and negatives for consumers. ... (more)

Beware of unsolicited First National "credit cards" in the mail -- Consumers who activated what appeared to unsolicited credit cards from First National may have found out too late that these mailings instead contained merchant cards. ... (more)

Credit card roulette for diners willing to take a risk -- Should you chose credit card roulette for your next group dining experience? ... (more)

Avoid higher credit card interest rates -- Consumers are not powerless when it comes to their credit card's interest rate. Careful complaining can lower the rate; learn how. ... (more)

Making rewards credit cards, saving work together -- Picking the rewards credit card with the best perks can be an easier way for consumers to save than by manipulating their cash flow. ... (more)

Pay taxes with your credit card using Official Payments Corp. -- Need to pay your taxes? Try using your credit card. Find out how at CreditCards.com. ... (more)

Check credit reports to fix errors, prevent credit card denials -- Consumers can avoid potential problems with credit card issuers by running a background check on themselves and then correcting any erroneous personal information listed in public records. ... (more)

Boost your credit score by raising your credit card limits -- By asking banks or credit unions for an extension of the limits on their credit cards, consumers can improve their credit scores. ... (more)

Financial literacy programs promote credit responsibility -- Lenders and universities are creating programs to help students avoid credit card debt by giving them the opportunity to gain financial literacy. ... (more)

Credit card safety advice for cardholders -- Consumers usually have protection against any unauthorized credit card charges, such as in instances of card theft.  But while you may not be liable for ... (more)

Canceling a credit card can impact your credit score -- You may want to cancel a credit card, but it can actually hurt your credit score. ... (more)

Lines of credit and other components of your credit score explained -- Lines of credit, debt amounts and other components of your credit score explained at CreditCards.com ... (more)

Personal loans: Should you use them to pay off debt? -- Stuck with hard to pay credit card debt? Learn about the possibility of a personal loan. ... (more)

Credit scores impact auto insurance rates -- Consumers' use of credit cards affects not only their credit scores, but their insurance premiums as well. ... (more)

Your credit card may protect you from rental car damage -- As anyone without plastic knows, it can be tough to rent a car without a major credit card.  However, the benefit of renting a car with plastic is ... (more)

Take easy precautions to avoid credit cards pitfalls -- While careless use of a credit card can leave you in debt, approaching your credit cards with a dose of common sense will ensure this ... (more)

5 simple rules to prevent credit card debt -- The CEO of the nonprofit Consumer Credit Counseling Service of Central Florida has some simple rules to help credit card users stay out of debt. ... (more)

Report: Credit card fee disclosures have become overly complex -- A new study finds credit card fee disclosures have weaknesses in communicating terms to cardholders. ... (more)

Bank of America student Visa credit card helps young people establish credit -- The Bank of America Student Visa Platinum Plus Credit Card is geared toward any young person enrolled in a college or university who is looking for a credit card that can help to build their credit history. ... (more)

Card payment: Jumps in interest can result from small mistakes -- Find out why your interest may be increasing due to small mistakes in your payments. ... (more)

Improving Credit Scores: Tips at CreditCards.com -- CreditCards.com has tips on improving credit scores, but perfect scores are not necessary for the most benefits. ... (more)

Pay medical bills: Using your credit card for medical costs -- It is not recommended that consumers use credit cards to pay medical bills. Debt quickly adds up. ... (more)

Funding 401(k)s when faced with credit card debt -- How to fund 401(k)s when trying to pay off accumulated credit card debt. ... (more)

Steps to take to protect yourself from identity theft -- There are a number of steps credit card users can take to avoid becoming the victims of identity theft. ... (more)

Credit card terms changes often accompany privacy policy notices -- You should look carefully at your credit card's terms. They can change with just 15 days' notice, and are often hidden within privacy notices. ... (more)

Credit card bad credit | Avoiding credit-related debt during the holidays -- By making some good decisions about credit card debt, paying for holiday gifts with plastic doesn't have to be a long-lasting pain. ... (more)

Consumers need to make smart decisions about debit card use -- With debit cards becoming more popular in relation to credit cards, consumers need to make smart decisions about their use. ... (more)

Identity theft scam: Magazine inserts give identity thieves new opportunities -- Consumers need to be aware of the danger to their personal information from preprinted, preapproved credit card applications included in magazines and catalogs. ... (more)

Be credit card savvy when shopping for the holidays -- Knowing a few things beforehand can make holiday shopping with a credit card a much better experience. ... (more)

Foreign currency transaction fees deemed unlawful by a federal judge -- A panel of judges ruled that foreign currency transaction fees by Visa, MasterCard, and Diners Club broke antitrust laws and other legal requirements. ... (more)

10 tips to curb holiday credit card mistakes -- Experts offer 10 tips on how to enjoy the holidays while avoiding credit card debt stemming from too much spending. ... (more)

Credit card spam charges involve smaller, less noticeable theft -- Credit card users need to look out for spam charges -- smaller unauthorized transactions which thieves hope to sneak by on credit card bills. ... (more)

Senior citizen debt increasing -- Senior citizens are finding themselves in debt trouble as they take on more lines of credit. ... (more)

Low Interest credit cards provide safety net for cash-strapped consumers -- Low interest credit cards act as a safety net to make ends meet during tough financial times. ... (more)

Airline credit card: Using your card in the air -- While on an airline, credit cards might be the only way to purchase food, drinks, and entertainment. ... (more)

Teaching children about credit, debit cards -- If children are going to grow up into financially responsible adults, today's adults need to explain credit and debit cards to them. ... (more)

Throwing away old computer? Beware unerased old online credit card data -- Throwing away your old computer? Ensure you remove valuable information left from online credit card transactions. ... (more)

Credit card comparison: Consumers warned to read fine print -- With some work, you can understand and compare the fine print of credit card offers. ... (more)

Keeping tabs on credit card fees and penalties -- Credit card users should be on the lookout for the addition of new rates, fees, and penalties that have been added to existing cards. ... (more)

Credit Line: Not considered part of your income -- Spend within your income, not within your credit line, to avoid serious financial problems. ... (more)

Card issuers encourage debit card signature transactions -- Why and how banks encourage consumers to sign for debit card transactions instead of using their PIN. ... (more)

Card Payment: How blocking can tie up your funds -- Card payment denied? Learn how some business use blocking to ensure they are paid. ... (more)

Credit card digits: Understanding numbers on a credit card front and back -- American Express, MasterCard, Visa and Discover all have 16 numbers -- but all those numbers have different meanings ... (more)

Visa security keeps cardholders safe -- Visa credit card holders can take comfort in the fact that their security is in good hands.  Visa's security program uses a number of methods to ensure ... (more)

Credit card implications when buying a home -- Learn how to use credit cards in your favor in preparation for buying a home. ... (more)

You might be headed for credit card debt trouble if... -- There is good debt (such as student loans and home loans) and bad debt (credit card debt, high-interest loans).  There is also an acceptable level ... (more)

Credit card receipt rules change: Is your card receipt safe? -- Laws attempt to keep credit card and debit card receipts safe from criminals looking to use account information, but consumers must also keep an eye on their card receipts. ... (more)

Card Identification Number: Purpose and security details -- Credit card transactions where the merchant is unable to physically see the credit card in your possession (such as with payments over the Internet or ... (more)

How to cancel a credit card -- Anyone can take scissors to a credit card, but it takes skill to cancel a card without nicking your credit score. ... (more)

Credit card applications: How many should you be filling out? -- Learn about the advantages and disadvantages to having more credit card applications or fewer. ... (more)

Travel Credit Card Usage: Beware of fees while overseas -- Tips for spending overseas and keeping travel credit card fees to a minimum. ... (more)

Benefits of using a credit card over traditional methods of payment -- The benefits of using a credit card over other forms of payment, topics including cash back credit cards, frequent flyer miles, reward credit card features from Visa, MasterCard, Discover Card American Express are covered. ... (more)

Major credit cards impact consumer debt -- The convenience of major credit cards has shaped consumer debt trends. Learn more at CreditCards.com. ... (more)

Improving credit scores: Steps to get your credit back -- Credit repair and how to get back your credit; steps involved in using credit cards to improve your credit report and credit score. ... (more)

Pulaski Bank can fix your high credit card rates -- It can be mighty tempting to pounce on every 0 percent APR credit card offer that comes in the mail each week. But for those ... (more)

Credit card facts: Test your credit IQ -- Find out which credit card facts you should know about your credit accounts. ... (more)

Becoming debt free from credit cards -- How to use discipline with credit cards (or a debit card) to become debt free. ... (more)

Think twice before canceling an old credit card -- Consumers need to think twice before canceling an old credit card because canceling a credit card due to high rates on outstanding credit card debt can hurt a person's credit score. ... (more)

Credit scores for dummies -- It's credit scores for dummies! CreditCards.com breaks down what your credit scores actually mean. ... (more)

What makes up your credit score? -- If you have ever wandered how the credit bureaus come up with your credit score you are not alone. It is one of the more ... (more)

Credit Card collection agency: What to do when old debt calls -- Haunted by credit card debt? Learn what the credit card collection agency is looking for. ... (more)

Universal default: What it is, how to avoid it -- Universal default allows credit card companies to periodically check your credit and increase rates if deemed appropriate. ... (more)

Instant approval store credit card disadvantages include high interest rates -- Learn about instant approval store credit card disadvantages before opening an account with your favorite retailer. ... (more)

Credit Consumer Rights and Responsibilities -- Know your full credit consumer rights at CreditCards.com. Don't get taken advantage of! ... (more)

What is a credit report? -- You hear it mentioned in commercials all the time, and you know it is important. But what is a credit report? Put simply, your credit ... (more)

Phishing Scams: JP Morgan Chase updated report -- JP Morgan Chase reports credit card fraud phishing schemes and fraudulent emails. Read more at CreditCards.com. ... (more)

Save a tree, apply online -- Article urging consumers to save a tree and apply online for a credit card because of the huge number of direct mail credit card solicitations; options for ending the flow of credit card offer junk mail by joining the national do not solicit list. ... (more)

What is a credit score and how does it affect me? -- What is a credit score? You’ve heard of a credit report, but you don’t understand what a credit score is. Furthermore, you’re unsure as to ... (more)

Credit report: It should be reviewed on a yearly basis -- Learn how pulling your credit report yearly can keep you protected from errors and identity theft. ... (more)

Compare Visa credit card to other major cards -- Does life really take Visa? Compare the Visa credit card to other cards to see. ... (more)

9 tips for protecting your credit cards, credit score -- 9 tips for protecting not only your credit cards, but your credit score, too. ... (more)

Credit card tips: Do's and don'ts when closing accounts -- Follow these credit card tips when closing credit card accounts in order to maintain a high credit score. ... (more)

Identity Protection Tips: What to do when your card is lost or stolen -- Losing a debit or credit card can have drastic repercussions. Learn what to do at CreditCards.com. ... (more)

Credit card privacy options: How to opt out -- Overwhelmed by credit card junk mail? In most cases, you can opt out. Find out how to retain your privacy. ... (more)

Credit score repair - It's not too late to clean it up -- Worried about your credit score? Let CreditCards.com teach you how to repair it. ... (more)

Credit card phishing scam: How it works, how to prevent it -- What 'phishing' means and how consumers can prevent being a victim of the scam. ... (more)

Are foreign transaction fees here to stay? -- Most cards charge a fee for overseas purchases, but Capital One does not. Apply at CreditCards.com. ... (more)

Credit cards 101: What are credit cards? How do they work? -- Basic lessons about credit cards. If not used carefully, you may end up owing more than you can repay, damaging your credit rating and creating credit problems for yourself that can be difficult to fix. ... (more)

Types of credit cards: features of all card types -- Overview of card features offered by cards, including standard, reward, frequent flier, student, business and cards for bad credit. ... (more)

Managing credit card accounts online -- How to set up online credit card account management processes to maximize rewards, cash back and miles on credit cards using recurring payments. ... (more)

Tips for finding the right credit card for your finances, lifestyle -- There is a perfect credit card program out there for you. Which one is right for you will depend on several factors. Learn what they are. ... (more)

Credit card tips: The basics become clear -- Spend smarter. Get credit card tips and advice to help you become credit card savvy. ... (more)

Comparing credit cards: Which factors to consider -- Learn the four most important factors to consider when comparing credit cards. ... (more)

Bankruptcy law updates close loopholes in repaying debt -- A new bankruptcy law update has closed loopholes that previously left people unaccountable for repaying all debt. ... (more)

Card member benefits: Visa Warranty Manager -- Overview of card member benefits such as warranty protection (called warranty manager) that provides warranty extension or extended warranty protection for a Visa credit card. ... (more)

Low APR Credit Cards at CreditCards.com -- Find out how to get out of debt with low APR credit cards at CreditCards.com ... (more)

Credit card tips that will help you maintain good credi