Credit account management

Tanisha Warner: Failing to pay the minimum can get you sued -- It's a common question: Can credit card companies sue you if you pay, but don't pay enough. Unfortunately, if you have to ask, you probably won't like the answer ... (See Minimum payment failure)

Sally Herigstad: Can bankruptcy tap surprise inheritance? -- Having filed for Chapter 13, a woman discovers a surprise inheritance and worries whether she has to turn over the funds to her trustee ... (See Inheritance and bankruptcy)

6 budget-blowing international travel mistakes to avoid -- With a little pretrip planning, you can prevent hundreds of unnecessary dollars from being added to the final cost of your trip abroad ... (See International travel money mistakes)

3 money lessons from "The Bachelor" -- Week after week, "The Bachelor" fans can take the lessons they learn in the fine art of romance and apply it to their personal finances ... (See The Bachelor)

Erica Sandberg: Dad racks up charges on son's credit card -- A father fraudulently opened a credit card in his son's name and charged $5,000. Now he can't pay more than the minimum. What are his son's options? ... (See Credit card fraud)

Reward point 'gifts' are taxable, says the IRS -- As sign-up bonuses for bank accounts and rewards cards have become more generous, someone new took interest -- Uncle Sam. Those sign-up bonus points are taxable, he says ... (See Card rewards taxable)

Sally Herigstad: Joint cards don't dissolve with divorce -- Getting divorced? If you jointly share credit cards, be prepared to cancel those cards and dissipate the debt before things are finalized d ... (See Divorce, credit cards)

Gary Foreman: Can a new mom afford to stay at home? -- A new mom who really wants to stay at home may be closer than she thinks to getting by on one income, if she includes the commuting and child care savings that come with not working ... (See Stay at home mom)

Q&A: 'Dating Our Money' author Leslie Greenman links love, money -- "Dating Our Money" author Leslie Greenman urges women to make more savvy choices in both personal finance and in love ... (See Leslie Greenman)

Study examines why we make the financially wrong choice when paying off debts -- A study says "debt account aversion" drives us to pay off small debts first, even if paying the highest-interest debt is always smarter financially ... (See Paying off debt)

How to shape up your finances in 12 months -- The 12 months in a fresh new year give you 12 opportunities to get your credit shaped up and your budgeting under control. Here, experts offer one seasonally relevant idea for each month of 2012 to do exactly that ... (See Shape up your finances)

Sally Herigstad: Do you marry someone who has big debt? -- He may be Prince Charming, but marrying someone who is carrying a lot of debt can put a serious crimp in your ability to plan for the future ... (See Marriage and debt)

Erica Sandberg: How settled card accounts impact your credit report -- Settling a delinquent account for less than you owe may be good for your wallet, but it's not so good for your credit reports and score ... (See Settled accounts, credit reports)

CreditCards.com survey of 2012 balance transfer cards shows offers getting better -- CreditCards.com's annual survey of balance transfer cards show increasingly longer zero percent periods, but with higher balance transfer fees ... (See Balance transfer cards)

Tanisha Warner: Be wary of closing credit cards when applying for mortgage -- Considering closing some credit cards? Our expert says you better think twice about it if you're planning to get a mortgage loan soon ... (See Mortgages and closing credit cards)

Sally Herigstad: Dealing with unethical debt collectors -- If a collector threatens to throw you in jail over an unpaid debt, it's time to read him your rights under the Fair Debt Collection Practices Act ... (See Fair Debt Collections Practices Act)

Gary Foreman: 8 questions to ask to make sure of wise buying decisions -- Ask these eight questions before you pull out your wallet and you'll be sure that you're buying the right thing at the right time at the right price ... (See 8 questions before buying)

Erica Sandberg: Mom's on hook for daughter's card debt -- A daughter uses bankruptcy to delete debt only to discover her mom is responsible for $24,000 on a credit card she co-signed more than 20 years ago ... (See Co-signers and card debt)

Supreme Court backs credit card binding arbitration -- The court's 8-1 ruling is a setback for consumer groups, who see arbitration as a contract clause that gives card issuers an unfair edge in disputes ... (See Credit card binding arbitration)

Don't play around with card phone scams -- When a telephone caller promises a lower credit card rate, but needs your card number for confirmation, hung up fast ... (See Phone scam)

Erica Sandberg: Who do you pay when a debt goes into collection? -- When an unpaid debt is charged off and sold to a collector, who do try to negotiate a settlement with: the original creditor or the collector? ... (See Debt collection)

CreditCards.com survey: Penalty rates creep higher, but become rarer -- In the wake of the Credit CARD Act's restrictions, many card issuers no longer bother with penalty rates. But CreditCards.com research finds for those that retain them, the rate is even higher ... (See Penalty rates)

How to handle money when married, but living apart -- When a couple decides to live in different states, what is the best way for them to handle previously conjoined financial matters? ... (See Money and separation)

Annulment vs. divorce: How it impacts finances -- The Kardashian-Humphries impending annulment raises the question of how assets and debts are handled in this atypical marriage dissolution agreement ... (See Annulments and debt)

7 low-cost ways to get financially organized -- You don't need to spend a bundle to get your finanical house in order. These expert tips will help show you the way through the clutter ... (See Financial organization)

Erica Sandberg: One easy step to build a U.S. credit history -- A good salary and U.S. residency doesn't mean you'll be issued a credit card the first time you try. You have to start slow and be patient ... (See Building U.S. credit)

Helping military families avoid financial troubles -- Experts offer advice to troops on guarding their IDs, avoiding scams ... (more)

5 holiday scams to watch out for this season -- You may be filled with a joyous spirit, but don't let your guard down. This is the high season for scammers, too ... (See Holiday scams)

Gary Foreman: You're marrying your fiance's debts, too -- If your future spouse has present debt, discuss it openly, keep your accounts separate and consider a long engagement to see if your intended can straighten up financially ... (See Fiance's debt)

Erica Sandberg: Don't jeopardize great credit with new credit -- When your credit score is already high, but not high enough, there are ways to boost it without applying for a new credit card ... (See Get a higher credit score)

6 credit mistakes that can ruin your holidays -- Credit cards can make holiday shopping a breeze. A few missteps, though, and that breeze can turn into a storm of financial headaches. Here are six credit slip-ups to avoid this holiday season ... (See Holiday credit mistakes)

Tanisha Warner: Not paying your credit card bill after a rate hike won't help -- New columnist Tanisha Warner answers a question from a reader who just had her credit card rate hiked. She's thinking about not paying the bill. Tanisha says: No ... (See Rate hike)

Sally Herigstad: When does a debt get too old to collect? -- Hoping that your debt will get too old to be collectible is a risky proposition, not to mention a bit unethical ... (See Statutes of limitations on card debt)

Credit card concierges offer last-minute holiday shopping help -- If you’re panicking about how to finish your holiday shopping this year, help may be as close as your credit card concierge ... (See Card concierge holiday help)

How to save on debit card foreign transaction fees -- We've researched what each major debit card issuer charges in foreign transaction fees -- and give you tips for avoiding them ... (See Foreign transaction fees)

Gary Foreman: How to teach your children basic financial concepts -- If you teach your kids to 'sleep on' major money decisions and learn the power of compound interest, they'll have gained important lessons that will serve them a lifetime ... (See Teaching money lessons to your kids)

6 things to know about virtual credit card numbers -- Also called 'temporary' or 'disposable,' these one-time-use card numbers can help keep your 'real' card safe ... (See Disposable credit card numbers)

Erica Sandberg: Trying to escape a high APR via a balance transfer -- Trying to transfer a spouse's high-interest debt to your balance transfer card? Not all issuers will allow that to happen ... (See Balance transfer card)

'Continuity billing' scams cause continuous credit card pain -- It's an increasingly common credit card scam: You agree to one small purchase and then get billed over and over ... (See Continuity billing scams)

6 reasons credit card rewards go unredeemed -- and how to change that -- One-third of $48 billion earned in rewards points or miles goes unused every year for various reasons. What's keeping people from cashing in? ... (See Unredeemed credit card rewards)

Kim McGrigg: Old accounts in good standing won't hurt your credit score -- Don't worry about removing old card accounts from your credit report, as long as the cards were in good standing when they were closed ... (See Credit report)

8 wise ways to rack up rewards while holiday shopping -- Does racking up rewards while shopping for gifts make you naughty or nice? It depends on how you manage your spending ... (See Holiday shopping rewards)

Sally Herigstad: Steps to recover from financial infidelity -- Giving one spouse full financial control can open the door to fraud -- and you won't know about it until the damage is done ... (See Financial fraud)

Gary Foreman: Bad credit mortgage alternatives -- You must start with the basics -- paying your bills on time -- but there are other alternatives for people with bad credit trying to buy a house ... (See Bad credit and mortgages)

Review asked of rule that hurts access to credit of stay-at-home moms -- A rare, bipartisan congressional group has challenged the fairness of an 'independent income' test for those who apply for credit cards ... (more)

Erica Sandberg: Choosing the right credit card for a new business -- Our expert outlines common money mistakes new business owners make when starting a new business on credit ... (See First business credit card)

Secrets of professional pickpocket Bob Arno -- Time magazine called Bob Arno the world's foremost expert on pickpocketing. Arno shares some secrets on how best to protect your wallet this holiday season ... (See Bob Arno)

Kim McGrigg: Dad's bankruptcy may force daughter to pay joint card debt -- A worried mom wants to know if her daughter will be stuck paying the debt on a credit card she held jointly with her dad. Unfortunately, our expert says, that's likely the case ... (See Joint account)

Western Union moves to global prepaid cards -- In a joint effort with MasterCard, Western Union upgrades its cash transfer system globally -- allowing customers the ability to easily transfer funds ... (See Prepaid cards)

Sally Herigstad: Divorce, debt and community property states -- Dividing up assets and debt in divorce is complicated enough, but even more so when you've lived in states with different property laws ... (See Community property laws)

Christmas clubs: Start saving now to avoid card debt next holiday -- These old-fashioned savings tools are still around at smaller banks and credit unions, and they can be a useful, fun part of an overall savings strategy ... (See Christmas clubs)

Gary Foreman: Broke? Bad credit? Recent bankruptcy? Say humbug to lousy holiday loans -- If you're recovering from hard times, don't succumb to the lousy loan choices you have available. Find frugal ways to enjoy the season ... (See Bad credit and holidays)

8 tips to keep your cards safe while shopping online -- There are a few Webby tricks to learn, but the basic ideas for shopping online safely are the same as at the mall: Keep your wallet safe, don't talk to strangers and stick to places you know and trust ... (See Online shopping safety tips)

How young is too young for credit? Do you add an infant to your card account? -- In an effort to build a strong credit file for their child, a parent wants to know if adding his newborn as an authorized user to his card is a good first step ... (See Too young for credit)

Bankrupt American Airlines says your frequent flier miles are safe -- In a move to retain its most loyal customers, American assures customers their AAdvantage rewards miles are 'yours and will remain yours' as the airline goes through Chapter 11 bankruptcy ... (See American frequent flier miles)

Sally Herigstad: Can wages be garnished before court date? -- If you've been served for past-due debt, don't wait until the official court hearing to respond or you may find your wages garnished before you're prepared ... (See Wage garnishment)

Q&A with author Terry Hekker, a stay-at-home mom who learned independence -- Author Terry Hekker's advice to women in the 1980s was to stay at home with their kids. Today, 79 and divorced, she has changed her tune ... (See Terry Hekker Q&A)

Small businesses struggle to find credit in post-recession world -- With lending still tight in a post-recession economy, businesses seek alternative funding sources or just don't borrow at all, slowing recovery ... (See Small businesses and credit)

Kim McGrigg: Canceling a credit card is OK -- if done wisely -- When your credit improves, it can be tempting to dump your old, bad-credit credit cards in favor of newer cards. But, our expert says, drop too many cards and your credit could pay the price again ... (See Cancel a card)

Sally Herigstad: Who pays secret debt in divorce? -- When a spouse living in a community property state has secret debt that comes to light during a divorce, just who has to pay for it? ... (See Secret debt in divorce)

Tales of credit card crooks' quirky charges -- Some credit card crooks rack up the most unusual charges on stolen cards -- often leaving themselves wide open for being busted ... (See Credit card crooks)

Erica Sandberg: In marriage, maintain your own credit -- Combining finances can be great, but it's important to maintain at least one credit card in your own name to protect your personal credit rating ... (See Marriage and credit scores)

Cathleen McCarthy: Authorized users can't access rewards without special permission -- If you're an authorized user on someone's credit card, the only way you can access the rewards points for the purchases you've made is if the primary account holder gives you special access ... (See Authorized users and rewards)

8 ways to protect against ATM skimming -- Thieves have discovered that taking money from a bank doesn’t have to involve a risky life-or-death bank robbery -- not when ATMs (and innocent victims) abound. ... (See ATM skimming)

Q&A with Playboy model, reality TV star Kendra Wilkinson on money her new book 'Being Kendra' -- Her life changed overnight when the former dental assistant was invited to move into the Playboy mansion, but when it comes to money, she has her feet on the ground ... (See Kendra Wilkinson)

Erica Sandberg: Make sure your payments make a dent in your debt -- Debt payments that don't seem to diminish your total debt can get frustrating. You have three options: pay more, seek help or bail ... (See Debt repayment tips)

Card suspended? Why your credit's been curbed -- Card been declined? Before panicking, know why your card might be in time out, how to bring it back and how it affects your credit ... (See Credit card suspension)

Bust a cheater by checking his (or her) card activity -- Sooner or later, most cheaters get caught, but not all are tripped by lipstick stains on collars, but their fishy charging and spending habits ... (See Credit cards and infidelity)

Sally Herigstad: When bankruptcy makes sense -- With a sick spouse, $20,000 in credit card debt and a small salary, a woman wonders just how she is going to make ends meet.You probably can't, says Sally ... (See When bankruptcy makes sense)

Erica Sandberg: How low can an authorized user go? -- What's wrong with this picture when a reader asks if an authorized user on a credit card wants to open other accounts in the primary card holder's name? ... (See Authorized users)

7 reasons why your next cell phone should have an NFC chip -- After years of promises, contactless mobile phone payment technology is finally here. Here’s why you might want it for your next -- or current -- smartphone ... (See Contactless payments)

Great American financial failures: From Jefferson to Disney -- It’s easy to scoff at millionaire celebrities who declare bankruptcy, but overextended credit is a time-honored American tradition. Some of our greatest heroes have fallen victim to bad investments and living beyond their means. ... (See Great American financial failures)

Sally Herigstad: What benefits are exempt from garnishment? -- An unemployed Oregonian worries that her unemployment and Social Security will be garnished for unpaid credit card bills ... (See Wage garnishment)

6 things to know about reloadable prepaid cards -- They're different from either traditional credit or or debit cards, so it pays to know how they work ... (See Reloadable prepaid cards)

Erica Sandberg: Have residency, but no credit? -- You may have to jump through a few hurdles, but getting credit when you are a permanent U.S. resident shouldn't be too hard ... (See Establishing credit)

6 money tips for late-in-life divorces -- Few leave marriages of any length unscathed, but the financial impact is often more extreme for those who've been together for decades ... (See Divorce money tips)

5 scariest things on your credit card statement -- Although credit card statements can send chills up your spine, it’s important that you face your fears and look them over ... (See 5 scariest credit card statement items)

Q&A with Don Peck, author of 'Pinched' -- In a succinct 188 pages, Peck surveys more than 100 years of economic recessions, depressions and recoveries to arrive at something of a bird's-eye view of our current economic discontent. ... (See Don Peck)

Gary Foreman: Common tricks and traps in credit card fine print -- The appealing big headline in the credit card promo is often hedged and limited by the fine print -- so you had better understand it ... (See Beware credit card fine print)

Erica Sandberg: 7 questions to ask before you do a balance transfer -- A zero-percent balance transfer card may sound like the perfect solution to your high-interest debt problem, but that's not always the case ... (See Balance transfer credit card)

Predictive analytics: Issuers' crystal ball into card spending patterns -- Card issuers turn to algorithms to determine if you are about to leave them or are having trouble paying your bills -- and allows them to step in to turn the tide ... (See Credit card predictive analytics)

7 ways to protect your credit rating during unemployment -- Losing your job is bad enough; take these steps to minimize the damage and prevent trouble from iniltrating another part of your financial life ... (See Keeping credit during unemployment)

10 things you can't (easily) buy with credit cards -- From mutual funds to lap dances, there are some things your credit card company just won't let you put on your plastic ... (See 10 things you can't buy with credit cards)

Sally Herigstad: Is an heir liable for her parent's credit card debt after death? -- A daughter inherited $70,000 from her father's estate, but it turns out he owes $400,000 in credit card debt. Will she have to forfeit her cash? ... (See Death and card debt)

4 types of money pros: What they are, how to find the right one for you -- Most of the time, a do-it-yourself ethic is all you need to keep your finances in line. But even the smartest amateurs can use some expert advice from time to time ... (See Money professionals)

Erica Sandberg: Is 'unfreezing' a card a good thing? -- After a bank "freezes" your card due to nonpayment and a maxed-out status, will thawing it out help or hurt your credit score? ... (See Card suspension)

Your Wallet Recovery Kit -- Use this interactive tool to safely store important credit card and other data you carry with you, so you'll be able to recover quickly from having a wallet lost or stolen ... (See Wallet recovery kit)

Busting 7 common credit myths -- These common credit myths can lead to the same financial mess you would have if you were to spend your life savings looking for the Loch Ness monster ... (See 7 common credit myths)

Sally Herigstad: Can debt judgments follow you overseas? -- If you leave the country -- and your debts -- behind, what are the chances that collectors and the law will find you to make you pay up? ... (See Leaving debt in U.S.)

How fnancial troubles sometimes actually help relationships -- Sometimes it takes an extreme situation to bring people together -- an illness, accident or even an act of terrorism. But what about a financial crisis? ... (See Financial troubles and relationships)

Walmart continues layaway's revival, but will deferred gratification payment -- The layaway concept -- paying over time without incurring debt -- works in the current economic environment, but does it have lasting power? ... (See Layaway plans)

Erica Sandberg: The pitfalls of shared card accounts -- Our expert clarifies the differences between authorized users, co-signers and joint account holders, along with who shares payment responsibilities ... (See Shared card accounts)

9 ways to avoid debit card usage fees -- Experts say consumers can avoid paying big banks' new monthly debit card fees by switching to a smaller bank, using credit cards or mobile payments, or pulling out that old-fashioned green paper -- cash ... (See Debit card use fees)

Sally Herigstad: Protect elderly parent's credit card from others -- Unfortunately, some adult children feel no guilt about using their elderly parents' credit cards and racking up debt in their names ... (See Elderly financial abuse)

Erica Sandberg:Can you build credit by paying off card after every use? -- If you use your plastic for everyday purchases, but pay off the balance the next day, will your credit score rise? ... (See Paying debt quickly)

QA with 'Frugalista' Natalie McNeal -- Single, 32, in serious debt and in a precarious job, blogger Natalie McNeal transformed her high-spending ways into a "frugalista" lifestyle ... (See Natalie McNeal)

Gary Foreman: Moves to make if you expect another economic storm -- Just as you plan ahead for hurricanes, you can weather rough financial times more easily with good preparation ... (See Plan for tough times)

MCC codes unveil consumer shopping habits -- Merchant Category Codes reveal where you use your plastic and are tracked by your card issuers. Want to keep your purchases secret? Use cash ... (See MCC codes)

How to avoid credit card security overkill -- While protecting your credit and money is important, it’s also possible to go to unnecessary extremes, causing undue stress and hypervigilance ... (See Overprotecting your credit)

8 creative ways to rack up credit card rewards points quickly -- If you’ve had the same card for a few years, happy to be collecting a few hundred points here and there, we have two words for you: Wake up ... (See Rack up rewards points)

Q&A with Hill Harper, 'CSI: NY' actor, author of 'The Wealth Cure' -- In his book "The Wealth Cure," the Harvard Law grad and hoops buddy of the president equates the battle for health to the battle for wealth ... (See Q&A with CSI's Hill Harper)

Sally Herigstad: Some spend lavishly right up to bankruptcy court -- A reader is miffed that his brother continues to spend on lavish vacations and purchases, even though he has filed for Chapter 7 bankruptcy ... (See Spending prior to bankruptcy)

Erica Sandberg: 3 steps for early money management -- Setting up financial goals when you're young can set the stage for success if you stick to a budget and set aside money regularly for the things you want ... (See Money management for youths)

Reduce gas pump pain with retailer reward cards -- With consumers spending an ever-larger chunk of income on fuel, it helps to know that some grocers can lessen the pain with gas-incentive card programs ... (See Retailers' gas card rewards)

5 money tips for parents of new college students -- Your college-age son or daughter isn't the only one who needs to learn; you have new financial choices you need to master ... (See College money tips for parents)

Can you get a credit card after bankruptcy? -- While the days of easy credit are over, credit card issuers still have products for bad credit customers to use to rebuild their credit profiles ... (See Credit after bankruptcy)

Sally Herigstad: Who pays fiance's credit card debt if he dies? -- If your intended carries a lot of credit card debt, make sure that your name is not on any of the accounts until after you marry ... (See Credit card debt and death)

Erica Sandberg: In a debt management plan? No new credit for you -- If you have negotiated with lenders through a credit counseling service to pay down your debt, the last thing you want to do is take on new loans ... (See Debt management plans)

Infographic: Most couples talk money before wedding, survey says -- Nearly nine in 10 couples talk about money before getting married, according to a survey released in July 2011 by the National Endowment for Financial Education ... (See Weddings and money)

5 ways to rebuild credit after bankruptcy -- More than a million people filed for bankruptcy last year, and though it stays on your credit report for years, you can start turning your credit around in as little to 12 to 18 months ... (See Build credit after bankruptcy)

Gary Foreman: Where are you financially vulnerable? -- The economic storm clouds still haven't parted, so wise consumers know their potential money weak spots, and have a plan if something breaks down ... (See Financially vulnerable)

Erica Sandberg: Boost savings with temporary budget cuts -- How do you save thousands over a short period, especially when you have a tendency to overspend? First, see where you stand ... (See Boost savings)

Jeremy M. Simon: No longer want to be an authorized user? Just ask -- It's simple to be removed as an authorized user on a credit card. Just don't expect it to come off your credit report easily ... (See Authorized user)

9 low-tech ways to manage money and credit -- Forget the apps, alerts and software. Old-fashioned ways of keeping track of how and where you spend often are the most effective ... (See Low-tech money management)

Sally Herigstad: Help! Ex-spouse won't pay on co-signed car loan -- Even if your divorce decree says he has to pay, the bank doesn't care and has every right to go after the co-signer for payment ... (See Divorce and co-signed loans)

Gary Foreman: How charge-offs work, how they affect your credit -- The phrase charge-off comes from the world of financial accounting, but if one happens to you, expect the damage to your credit to be substantial ... (See Charge-offs)

Erica Sandberg: Set up charging rules on co-signed card -- A financially reformed mom co-signed on a card for her college-bound son, but worries that he may return her to financial ruin ... (See Co-signed credit card)

Buying airline miles: Is it worth the cost? -- The offers can be tempting: buying airline miles to boost your mileage account. But how do you know you're getting a good deal and not just adding to the airlines' bottom line? ... (See Buying airline miles)

Sally Herigstad: How likely is it you'll be sued for unpaid debt? -- The likelihood of being sued for not paying outstanding credit card debt depends on a variety of factors, but take action before that happens ... (See Odds of being sued for debt)

Gary Foreman: Bride and groom from different financial worlds? Talk, budget -- If he's from financial Mars and she's from financial Venus, premarital discussions about money expectations will help prevent problems later ... (See Premarital money talk)

Money Talks: Q&A with boxing champ Bernard Hopkins -- Also an astute businessman, the light-heavyweight world champion just shakes his head at his peers' foolishness with money ... (See Bernard Hopkins Q&A)

Erica Sandberg: Weigh all costs when doing a balance transfer -- When thinking about transferring your balance to a lower rate card, you need to do the math and have a plan before you card-hop ... (See How to evaluate a balance transfer)

Jeremy M. Simon: Beware of interest charged on closed accounts in debt collection -- Collection agencies are allowed to charge you interest on debts in closed credit card accounts -- unless your card contract or state law says otherwise ... (See Interest on debt)

5 places with the highest ATM fees -- Need cash and your bank's ATMs are nowhere to be found? If you're stuck in one of these places, be prepared to spend up to $20 for a withdrawal ... (See High ATM fees)

Cleveland tops list of cities most improved in on-time credit card payments -- San Antonio, Cincinnati, Houston and Dallas round out the top five cities that have improved most at reducing the number of credit card accounts more than 60 days late ... (more)

When debt is gone, will dreams come true? -- Are people really happier and better off when they escape the chains of debt? Many overburdened borrowers expect to be ... (See Debt-free dreams)

Sally Herigstad: Keep creditors at bay during bankruptcy filing -- Her lawyer went on vacation before her filing was finished, and now she's being sued by a creditor. What are this reader's options? ... (See Bankruptcy filing)

Gary Foreman: How to calculate the energy cost of appliances -- By knowing the right formula and "watt" each appliance consumes in electricity, a landlord and tenant splitting an electric bill can divide it fairly ... (See Appliance energy costs)

How Capital One buying HSBC credit card accounts affects consumers -- Some 27 million U.S. cardholders awoke Wednesday to a new bank when Capital One bought HSBC's card portfolio. Here's what they should expect ... (See Card deal)

How to keep credit, debit card blocking from ruining your vacation -- Before you even pull the flip-flops out of your suitcase for your week of vacation, your available credit may appear as though you've already paid for the whole trip. Blame it on credit or debit card blocking ... (See Credit card blocking)

Erica Sandberg: Retirement funds off limits for debt repayment -- At 29, a reader proposes dissolving some or all of his 401(k) to pay off $37,000 in debt. Our expert says there are other, much safer, options available ... (See 401(k) debt solution?)

5 credit score secrets of the young and FICO-savvy -- Today's 20-somethings face a stiff lending environment that looks down on short credit histories. Find out how some broke through barriers and build a solid foundation early ... (See Credit score secrets)

6 ways to cut groomsman costs -- Bridesmaids get all the press, but groomsmen rack up their fair share of financial burden -- anywhere from $500 to $1,500 or more. Follow these tips to help cut costs. ... (See Groomsman costs)

Sally Herigstad: Will bankruptcy impact an authorized user? -- Without a job and in debt, a wife considers bankruptcy, but asks if her husband is liable for debt on a credit card on which is an authorized user ... (See Authorized user, bankruptcy)

How to detect and prevent elderly financial abuse -- Tragically, there are those who take economic advantage of the elderly. Be aware of the warning signs and the profiles of these perpetrators ... (See Elderly financial abuse)

Gary Foreman: You've got to know your 'monthly nut' -- Your 'monthly nut' is the minimum amount you need to make to keep ahead of your bills and avoid always coming up short ... (See Your monthly nut)

Infographic: Americans' biggest financial worries -- According to a July 2011 Gallup survey, a lack of money and low wages are the issues causing consumers the most concern, followed by health care costs and too much debt ... (See Infographic)

Erica Sandberg: Getting a credit card at age18 presents challenges -- It's not impossible, but qualifying for an unsecured credit card at the age of 18 presents unique challenges ... (See Qualifying for credit at age 18)

It's not fibbing, it's fraud: legal consequences of lying on a credit card application -- Telling a lie about your income on a credit card application isn't fibbing, it's fraud, and you can be jailed for it, as a Rochester, N.Y., man discovered ... (See Credit card application fraud)

Gary Foreman: Rich bride, poor groom and mom can't pay country club reception tab -- Mom should be honest with herself and her wealthy in-laws about her financial limits, and their kids should discuss money expectations before the ceremony ... (See Rich bride, poor groom)

Erica Sandberg: New resident's quest for U.S. plastic -- Having lived in the U.S. for two years now, a reader wants to know how to go about picking -- and getting approved for -- a new credit card ... (See New U.S. credit)

Feds lay down rules for contacting relatives of deceased debtors -- Collecting money from the relatives of deceased debtors is fine, new federal guidelines say, but debt collectors must be transparent about what they do ... (See Death and debt colletion)

Nonprofits innovate to help low-income people establish credit -- With good credit increasingly important to living a mainstream life, the agencies are finding ways to step into the gaps that prevent people from starting and building credit ... (See Credit help)

Sally Herigstad: How to deal with a debt limit meltdown -- For those dependent upon government assistance, the threat of suspended payments as a result of the current U.S. budget stalemate causes panic ... (See Debt meltdown)

What reality TV teaches us about credit and spending -- A slew of reality TV shows are tapping into our collective concern about saving money, spending it, turning clutter into cash and dealing with debt ... (See Reality TV money lessons)

Toddlers, tiaras -- and debt: the costs of child beauty pageants -- Is your adorable child ready for the spotlight? Perhaps pageant life awaits, but be forewarned, overall costs of these beauty contests can be downright ugly ... (See Beauty pageant debt)

5 signs of a rip-off beauty pageant -- Not all beauty pageants are legitimate enterprises. Heed these 5 warning signs before you hand over big bucks for nothing in return ... (See Beauty pageant scams)

Gary Foreman: How to figure out how much rent you can afford -- Renting? The rule of thumb is spend no more than 33 percent of your after-tax income on housing; these money-saving tips will help you get there and into a home you can afford ... (See Renting: How much?)

Infographic: What most consumers know about credit scores -- The average American isn't exactly a credit scoring expert, but there are some basic elements of credit scoring that most Americans do know, according to a survey by the Consumer Federation of America ... (See Credit score)

10 financing options for cosmetic surgery -- Tummy tucks, facelifts and nose jobs don't come cheap and are rarely covered by insurance. So just how do you come up with the cash to get the look of your dreams? ... (See Paying for plastic surgery)

Erica Sandberg: Getting your foot in the credit door -- Young, educated and debt-free, a reader keeps getting turned down for a credit card and wants to know how to get her credit started ... (See How to get your first credit card)

15-minute fixes for your credit score -- Spending just 15 minutes on these expert tips can give your credit score anywhere from a small bump to a major boost ... (See Quick credit fixes)

Get out of debt smartphone apps -- Creating and sticking to a budget may not be fun, but using your smartphone to help you get out of debt sure beats updating budget spreadsheets on Quicken and Excel ... (See Debt-fighting smartphone apps)

Sally Herigstad: Duped by son, mom stuck with $20,000 debt -- What is a 76-year-old woman to do when she co-signs on credit cards and a car loan for her adult son and then he files for bankruptcy? ... (See Co-signing dangers)

Frugality's about value, not about being cheap -- For both practical and personal reasons, on some items, it's OK to go ahead and splurge ... (See Spend it, frugally)

State by state bankruptcy statistics, 2005-2011 -- Bankruptcies reversed course and fell in 2011, but it's not just due to debt aversion. We may just be running out of people who benefit from filing ... (See State bankruptcy statistics)

Erica Sandberg: The path to good credit after college -- Follow these four lessons on how to build a great credit profile after you graduate from college ... (See Path to good credit)

Infographic: Women more focused than men on saving, cutting card debt -- When the Javelin Strategy & Research team polled men and women about their top financial goals in 2011, women were more frugal-minded ... (more)

Sally Herigstad: Stopping an adult daughter abusing mom's credit -- What steps do you take when your sibling won't stop racking up charges on your elderly mom's credit card without approval? ... (See Elderly abuse)

My credit, myself: Young adults using credit to boost self-esteem -- In an uncertain world, recent research shows that for some 20-somethings, it just takes a quick swipe of a credit card to feel like they’ve got everything under control ... (See Credit and self-esteem)

Gary Foreman: Credit card rate too high? How to negotiate a lower one, how to leave if you don't get it -- Credit card rate too high? Here's how to ask for a lower one -- and how to leave if you don't get it ... (See Negotiate your credit card rate)

Airline, hotel credit cards offering sign-up bonus for adding authorized users -- Adding an authorized user can put you over the top for that free flight, but experts advise caution -- it dings your credit and exposes you to financial risk ... (See Authorized user)

Erica Sandberg :How do banks determine a credit card's credit limit? -- When banks issue you a credit card, how do they figure out how much credit to give you? Part of it is secret, the other part not so much ... (See Credit limits)

Pet debt: How animals cost you -- The cost of feeding and maintaining our beloved furry, feathered or other nonhuman friends can land pet owners in the financial doghouse ... (See Pet debt)

Sally Herigstad: It's a bad idea to pay one credit card and stop paying the others -- A reader wonders what would happen if she tried to pay off one credit card bill first and not pay on the others. Our expert says she'll only make matters much worse ... (See Stop paying cards)

13 tips to cut your pet's veterinary bills -- Although your pet is precious to you, when it comes to veterinary services, don't let emotions blind you to costs. Comparison shop and ask questions ... (See Vet bills)

7 tips for managing your online spending -- From Amazon to Groupon offers, it is easier than ever before to inadvertently rack up big balances on your credit cards ... (See Managing online spending)

Building a better envelope budgeting system -- With a few refinements and simplifications, this old cash-based system still works, says our expert ... (See Envelope budgeting)

Erica Sandberg: Will student's credit suffer if mom doesn't pay school loans? -- A mom wants to know if if her son's credit will be in jeopardy if she cannot make the payments on a Parent PLUS college loan ... (See Student loans)

Infographic: The rise and fall of credit card accounts -- Compared to all other financial products, credit card accounts rose faster before the recession and fell harder during and after it, according to New York Federal Reserve data ... (more)

7 tips for maximizing use of a digital gift card -- The market for digital gift cards has tripled in three years. While similar to their plastic counterpart, there are some differences you need to be aware of ... (See Digital gift cards)

QA with Matt Paxton, host of TV's 'Hoarders' -- The 'Secret Lives of Hoarders' author and TV host goes about helping with brutal honesty and a connoisseur's appreciation for the smell of decomposition ... (See Matt Paxton, "Hoarders" host)

Sally Herigstad: Collectors can refuse partial payments -- Our expert dispels the myth that submitting a partial payment on an old debt will prevent a collection agency from taking you to court ... (See Debt collection myth)

6 college money myths -- Some prevalent college money myths involving credit can do damage that can dog young people well after they collect their sheepskins ... (See College money myths)

Gary Foreman: Alternate strategies to saving for emergency funds -- If you have trouble leaving emergency funds untouched, you may be able to prepay some items, or just make your savings tough to tap ... (See Emergency fund strategies)

Erica Sandberg: Beware of debt relief phone call promises -- A woman wonders if those debt relief phone callers can help cut her $20,000 in credit card debt in half ... (See Debt settlement)

Infographic: Debt causes financial distress -- A May 2011 survey from the National Endowment for Financial Education finds 59 percent of parents are providing, or have provided, financial support to their adult children when they've finished school ... (more)

Infographic: Bank card delinquencies keep falling, says report -- A May 2011 report from credit bureau TransUnion shows that the percentage of cardholders who are at least 90 days late with a payment to a bank-issued credit card continues to slide ... (See Delinquencies)

Credit card statistics, infographic: Most parents financially support their adult kids -- A May 2011 survey from the National Endowment for Financial Education finds 59 percent of parents are providing, or have provided, financial support to their adult children when they've finished school ... (See Parents supporting kids)

Credit card statistics, infographic: Americans' top 8 financial worries -- Americans are far more worried about their retirement funds (or lack thereof) than about their ability to make credit card payments, according to a poll by Gallup ... (See Money worries)

How your FICO credit score is calculated: Payment history -- In the calculation of your FICO credit score, no factor is more important than your payment history. That history's comprised of many complex components, but ultimately, it comes down to paying your bills on time, every time ... (See Credit score payment history)

Where to get alternative, specialty free credit reports -- Specialty credit bureaus collect consumer data on such things as rental history, insurance claims and checking accounts, and they're required to provide consumers a free report annually ... (See Specialty credit reports)

Sally Herigstad: Computer stolen? What to do now to prevent ID theft -- If you act quickly once your computer is stolen, protecting your identity can be like putting out a small fire, instead of having to call the fire trucks ... (See Identity theft)

7 questions to ask before opening an online bank account -- If brick-and-mortar bank fees and lackluster interest rate are pushing you to consider an online-only bank, how do you decide if branchless banking is right for you? ... (See Online banking)

Erica Sandberg: Payment options for high-interest credit card debt -- Asking a credit card company to lower the interest rate on your debt can produce a variety of answers -- most of which you will not like ... (See High-interest card debt)

5 money 'rules' meant to be broken -- You've heard all the financial truisms, and while many have a kernel of truth, some axioms should get the ax ... (See 5 money rules to break)

Sally Herigstad: How many times can creditors buy old debts? -- Negative credit information should fall off your credit report after seven years, but sometimes collectors disregard the rules ... (See Get rid of old debt)

Gary Foreman: Tips for finding fun while staying frugal -- You may have 'frugal fatigue,' but lamenting the good old days when you could spend freely will only make your mood worse ... (See Frugal tips)

Sign-up bonuses for rewards credit cards become more generous -- As cards make a comeback from the recession, issuers chasing new customers are becoming more generous with sign-up bonuses ... (See Reward card bonuses)

7 big post-divorce money mistakes -- Breaking up is not only hard to do, it can be brutal on your finances -- especially if you commit one of these big financial goof ups ... (See Divorce and money)

Kim McGrigg: To raise credit score, pay delinquent debt? Or declare bankruptcy? -- A reader so deep in debt she's weighing bankruptcy wonders how to get good credit in a year. Years plural, says our expert. ... (See Bankruptcy)

With all the airline fees, can you afford that 'free' flight? -- At last, you've earned enough frequent flier rewards for a free trip to your dream spot. But with all the fees, 'free' isn't what it used to be ... (See "Free" flight fees)

Credit card application rejected? 3 steps to getting next one approved -- Rejected for a new credit card? Take these steps to make sure that the next time you apply for new plastic you are approved ... (See Credit rejection)

Gary Foreman: Tips for getting grown children out of the nest -- Yes, jobs are tough to find, but kids need to stand on their own financially and leave the nest. It's a parent's job to know how to help them learn to fly ... (See Financial independence)

Erica Sandberg: Daughter's credit at risk when mom defaults -- A mom defaulted on three credit cards where her minor child was an authorized user. She wonders if her daughter's credit is in jeopardy ... (See Piggybacking)

Survey: Annual fees kept at bay despite credit card reform law -- Dire predictions from card issuers that a 2009 reform law would boost fees has not come to pass, our fee survey shows ... (See Credit card fee survey)

CreditCards.com/Bankrate.com credit card fee survey 2011: Find your bank's card fees -- Find your card's fees: This table links to information showing the credit card fees from the 50 largest credit card issuing banks and credit unions ... (more)

Patelco CU Gold credit card fee schedule -- Here's the 2011 fee schedule for Patelco CU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Penn State Employees CU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Penn State Employees CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Pentagon FCU Standard credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU Standard credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Pentagon FCU PenPromise Standard credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU PenPromise Standard credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

RBS Citizens Bank Platinum card fee schedule -- Here's the 2011 fee schedule for the RBS Citizens Bank Platinum card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Redstone FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Redstone FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

San Diego County CU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the San Diego County CU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Security Services FCU Gold credit card fee schedule -- Here's the 2011 fee schedule for Security Services FCU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Security Services FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for Security Services FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Simmons First National Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Simmons First National Bank Gold credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Simmons First National Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Intrust Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for Intrust Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

M and I Marshall Platinum credit card fee schedule -- Here's the 2011 fee schedule for M and I Marshall Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

State Employees FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the State Employees FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Michigan State Platinum credit card fee schedule -- Here's the 2011 fee schedule for Michigan State Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

State Farm Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for State Farm Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

PNC Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for PNC Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Suncoast Schools CU Classic (Starter Card) credit card fee schedule -- Here's the 2011 fee schedule for Suncoast Schools CU Classic (Starter Card) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

US Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for US Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

UMB Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for the UMB Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Virginia Credit Union Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Virginia Credit Union Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Virginia Credit Union Gold credit card fee schedule -- Here's the 2011 fee schedule for the Virginia Credit Union Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

VyStar CU Gold credit card fee schedule -- Here's the 2011 fee schedule for VyStar CU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

VyStar CU Classic credit card fee schedule -- Here's the 2011 fee schedule for VyStar CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Navy FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Navy FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Wells Fargo Platinum credit card fee schedule -- Here's the 2011 fee schedule for Wells Fargo Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Patelco CU Classic credit card fee schedule -- Here's the 2011 fee schedule for Patelco CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Wescom CU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Wescom CU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Navy FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Navy FCUsecured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Redstone FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

San Diego FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the San Diego FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Suncoast Schools FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Suncoast Schools FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

The Golden 1 CU secured credit card fee schedule -- Here's the 2011 fee schedule for the The Golden 1 CU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

US Bank secured credit card fee schedule -- Here's the 2011 fee schedule for the US Bank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Wells Fargo secured credit card fee schedule -- Here's the 2011 fee schedule for the Wells Fargo secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Discover More credit card fee schedule -- Here's the 2011 fee schedule for Discover More credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Discover More credit card fees)

Fifth Third Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for Fifth Third Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Fifth Third Bank Platinum credit card fees )

First Hawaiian Bank Gold credit card fee schedule -- Here's the 2011 fee schedule for First Hawaiian Bank Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

First Hawaiian Bank Classic credit card fees -- Here's the 2011 fee schedule for the First Hawaiian Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Hawaiian Bank Classic credit card fees)

FNB Omaha Platinum credit card fee schedule -- Here's the 2011 fee schedule for FNB Omaha Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FNB Omaha Platinum credit card fees)

Delta Community Credit Union Classic credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Delta Community Credit Union Classic credit card fees)

Delta Community Credit Union Gold credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Delta Community Credit Union Platinum credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Delta Community Credit Union Platinum fees)

Blue from American Express credit card fee schedule -- Here's the 2011 fee schedule for Blue from American Express credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Blue from American Express credit card fee)

First Tennessee Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for First Tennessee Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Tennessee Bank Platinum credit card fees)

First Tennessee Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for First Tennessee Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Tennessee Bank Classic credit card fees)

First-Citizens Bank and Trust Platinum credit card fee schedule -- Here's the 2011 fee schedule for First-Citizens Bank and Trust Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First-Citizens Bank and Trust Platinum credit card fees)

Clear from American Express credit card fee schedule -- Here's the 2011 fee schedule for Clear from American Express, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Clear from American Express credit card fees)

FirstMerit Corp. Platinum credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp. Platinum, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Platinum credit card fees)

FirstMerit Corp. Classic (Variable) credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp Classic (Variable) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Classic (Variable) credit card fee)

Affinity FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for Affinity FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Affinity FCU Classic credit card fee schedule )

FirstMerit Corp. Classic (Fixed) credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp. Classic (Fixed) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Classic (Fixed) credit card fee)

Affinity FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Affinity FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Affinity FCU Platinum credit card fee )

HSBC Platinum credit card fee schedule -- Here's the 2011 fee schedule for HSBC Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See HSBC Platinum credit card fees)

America First CU Classic (no annual fee) credit card fee schedule -- Here's the 2011 fee schedule for America First CU Classic (no annual fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic (no annual fee) credit card fees)

America First CU Classic (with annual fee) credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Classic (with annual fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic (with annual fee) credit card fees)

America First CU Platinum Rewards credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Platinum Rewards credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Platinum Rewards credit card fee)

America First CU Classic Rewards credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Classic Rewards credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic Rewards credit card fee)

Arizona FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Arizona FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Bank of America BankAmericard Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Bank of America BankAmericard Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Bank of America BankAmericard Platinum credit card fee)

Baxter (BCU) Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Baxter (BCU) Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

BBVA Compass Platinum credit card fee schedule -- Here's the 2011 fee schedule for the BBVA Compass Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BBVA Compass Platinum credit card fee)

BECU (Boeing Employees) Classic (Rewards option available with $25 fee) credit card fee schedule -- Here's the 2011 fee schedule for the BECU (Boeing Employees) Classic (Rewards option available with $25 fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BECU (Boeing Employees) Classic credit card fee )

Capital One Classic Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Classic Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Capital One Platinum Prestige credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Platinum Prestige credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Capital One Standard Platinum (Average Credit) credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Standard Platinum (Average Credit) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One Standard Platinum credit card fees)

Chase Platinum Slate credit card fee schedule -- Here's the 2011 fee schedule for the Chase Platinum Slate credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Citibank Platinum Select credit card fee schedule -- Here's the 2011 fee schedule for the Citibank Platinum Select credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Columbus Bank and Trust Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Columbus Bank and Trust Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Columbus Bank and Trust Platinum credit card fees)

AmeriCU secured credit card fee schedule -- Here's the 2011 fee schedule for the AmeriCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Digital FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Digital FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Digital FCU Classic credit card fees)

Citibank secured credit card fee schedule -- Here's the 2011 fee schedule for the Citibank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Bank of America secured credit card fee schedule -- Here's the 2011 fee schedule for the Bank of America secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

BBVA Compass secured credit card fee schedule -- Here's the 2011 fee schedule for the BBVA Compass secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BBVA Compass secured credit card fees)

Capital One secured credit card fee schedule -- Here's the 2011 fee schedule for the Capital One secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One secured credit card fees)

Digital FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Digital FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Digital FCU secured credit card fees)

Fifth Third Bank secured credit card fee schedule -- Here's the 2011 fee schedule for the Fifth Third Bank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Fifth Third Bank secured credit card fees)

GTE FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the GTE FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See GTE FCU secured credit card fees)

Pentagon FCU Gold credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (more)

Kim McGrigg: Will card debt hold up my Australian visa? -- A reader ran up credit card debt in Australia, left, and now wants to move back. Will the debt jeopardize his return? ... (See Card debt and visas)

Debtors Anonymous: What you can expect -- If your financial situation has led you to Debtors Anonymous, but you've been too afraid to go to a meeting, here's what you can expect ... (See Debtors Anonymous)

Gary Foreman: How to diagnose your financial health -- There are parallels between financial and physical health: Both need to be properly diagnosed and the right steps taken to cure the ailments ... (See Financial help)

Erica Sandberg: Rejected: How your credit history impacts card approvals -- A student is rejected for a new credit due to a limited credit history and wonders what he can do to boost his credit scores further ... (See Credit history)

Nontraditional ways to seek financial guidance -- At the end of your rope with money issues? Maybe you should turn to a psychic, hypnotist or kinesiologist to help you work through your hurdles ... (See Financial guidance)

Sally Herigstad: Years of caregiving can lead to bankruptcy -- A reader gave up everything to care for her ailing mom and now faces mounting debt, no money and no job. Is bankruptcy the answer? ... (See Bankruptcy and debt)

5 mental money traps to avoid -- Turning your finances around is never easy, and these five mental money traps can keep you from making much progress ... (See Money traps)

Gary Foreman: Inflation is coming; here's how it will hurt -- Before inflation returns in force, there are steps you can take to readjust your investments and loans to minimize its impact ... (See Adjusting for inflation)

Erica Sandberg: Digging out of the depths of divorce debt -- It's not uncommon to be saddled with debt post-divorce. But when you're too depressed to deal with it, asking for help is your first priority ... (See Divorce and debt)

6 steps to handle a sudden financial windfall -- While a surprise cash infusion is almost always welcomed, it raises questions about the most effective ways to use those funds ... (See Financial windfall)

Kim McGrigg: How to protect yourself from email phishing attacks -- Scammers are after your personal information. Armed with these tips, you won't make it easy on them ... (See Fend off phishing)

QA with Willie Geist, Boyd McDonnell on 'Loaded,' their parody of financial advice books -- Willie Geist, Boyd McDonnell lampoon the get-rich-quick schemes through the idiotic money advice hawked by their faux financial gurus, the 'Dollar Bills' ... (See "Loaded")

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

7 questions to ask when choosing a secured credit card -- If you're shopping for a secured credit card, chances are you can't afford to make a mistake. These questions will help you find a good one ... (See Secured credit cards)

Erica Sandberg: Are credit protection plans worth the cost? -- In all her years working with people with credit problems, our expert has never heard someone exclaim, 'My credit protection plan was a lifesaver!' ... (See Credit protection plans)

6 types of purchases you should always charge on your credit card -- There are times you shouldn't charge, but sometimes a credit card's features can save you a load of grief ... (See 6 times to always use a credit card)

Jeremy M. Simon: Settling delinquent debt won't remove it from your credit report -- A reader wants to get old delinquent debt off his credit report. Our expert says that unless the debt isn't really his, he's out of luck and debt will stay there for seven years ... (See Delinquent debts)

Representatives ask for review of rule limiting credit cards to stay-at-home spouses -- A Fed rule limiting credit availability of stay-at-home spouses should be studied to see if it hurts them, a quartet of U.S. representatives said in a letter Friday ... (more)

Sally Herigstad: Government benefits protected from garnishment -- A disabled woman is being harassed by collectors for an unpaid $300 credit card bill. A new law protecting government assistance funds is on her side ... (See Protected from garnishment)

7 lasting money lessons from mom -- She taught you to tie your shoes, and may also have left you with some lasting tips on the right and wrong ways to use money and credit ... (See Money lessons from mom)

Gary Foreman: In your 40s? It's not to early to plan for retirement -- Now's the time to take a broad look ahead, define what you expect from retirement, estimate expenses see if you have the income to live out your dreams ... (See Retirement plan)

QA: Holly Petraeus tackles those who prey on military families -- As the daughter of one general and wife of another, Holly Petraeus gets fighting mad at those who prey financially on soldiers. Now she can do something about it ... (See Holly Petraeus)

Sally Herigstad: The care and feeding of livestock and card debt -- An unemployed reader with $30,000 in card debt wonders how she's supposed to feed her horses, llamas and large dogs ... (See Big pets and big debt)

New rule protects exempted funds from garnishment orders -- For debtors who face frozen bank accounts due to a garnishment order, a new rule prevents exempted funds from being temporarily seized ... (See Wage garnishment)

Travelers to U.S. may face credit card compatibility hurdles -- If European card issuers remove the magnetic stripe from their chip-and-PIN cards, then how would international travelers use their cards here? ... (See Chip-and-PIN cards)

5 lessons to teach kids how interest works -- Credit and interest may be difficult for children to grasp. Here are some ways to bring the concepts home ... (See Credit lessons for kids)

Jeremy M. Simon: Want a new card? Focus on the 3 keys to building good credit -- A reader wants to improve his chances of getting approved for a new credit card. But is closing older accounts and leaving balances unpaid the right approach? ... (See Good credit)

6 myths about credit report checks by employers -- Are employers truly weeding out applicants by checking potential employee credit reports? The reality may surprise you ... (See Employee credit checks )

Kim McGrigg: Debt on his late mother's credit card haunts son -- He was only an authorized user on his late mother's card, but a mistake lays his mother's charged-off debt at his feet, hurting his credit score ... (See Authorized user)

Sally Herigstad: 5 steps to take when debt collectors threaten to put a lien on your home, property -- The FTC prohibits collectors from threatening to put a lien on your property for unpaid debt -- unless they really intend to follow through ... (See Property liens)

Financial denial: When avoidance creates money mayhem -- In our final installment of money disorder stories, we focus on financial denial -- when the anxiety of dealing with debt is so great that you just check out ... (See Financial denial disorder)

What your dreams tell you about your money -- Money got you down? Don't be surprised if certain recurring themes show up in your dreams -- revealing increased levels of anxiety ... (See Money dreams)

Erica Sandberg: The case of the mysterious credit card balance -- A reader recently got a statement for a credit card account he says he doesn't remember having. Our skeptical expert helps him to unravel the mystery ... (See Credit card mystery)

Bankruptcy filings fall in first quarter of 2011 -- The economy has improved and tight credit means there's less debt to file over, but it's not clear that the decline in bankruptcy will last ... (See Bankruptcy filings)

Lawsuits over credit card debts spike in California, Nevada, Florida -- Courts officials in Nevada, Florida and California -- the states hardest hit by recession -- report they're seeing a parade of credit-card debt cases ... (See Credit card debt lawsuits)

Kim McGrigg: Why families shouldn't share credit accounts -- An adult daughter who shared a credit card with her mother wonders if she is liable for the $10,000 balance on the account ... (See Family credit cards)

Sally Herigstad: Why co-signing on a card for an ex is a mistake -- An elderly divorcee co-signed on a credit card to help her ex-husband. Then he died, leaving her to deal with the collection calls and debt ... (See Credit card co-signing)

5 entrepreneurs whose credit cards funded their dreams -- Yes, most experts say don't do it, but these five people used their credit cards to start their businesses. Find out how if they would have done things differently ... (See Small business funding)

Play now, pay later: Sports teams, theme parks roll out payment plans -- Your favorite theme park or pro sports team wants you back, even if you have to pay for your fun over time ... (See Entertainment payment plans)

Does 'good' debt really exist? -- Does "good" debt exist anymore? Financial experts differ, but many say that in today's economy, it's time to reconsider how we look at some common types of debt ... (See Good debt)

Money disorders: Financial dependency means losing self-worth -- Having someone else pay your bills may sound nice, but not being in control of your finances can lead to feelings of helplessness and depression ... (See Money disorder: financial dependency)

Sally Herigstad: Don't settle on a debt for more than you can pay -- When a debt goes into collections, don't agree to a payment plan that you can't realistically pay each month. Explore your budget and your options first ... (See Debt collection)

QA with David Sirota, 'Back to Our Future' author -- The financial excesses of the '80s, epitomized by the fictional character Gordon Gecko, came horribly true in this century with characters such as Bernie Madoff, author says ... (See QA with David Sirota)

7 free ways to reduce the stress caused by money, finances -- If you want to solve those money problems, you need a clear mind, healthy body, experts say. Here are simple ways to get them back ... (See Money stress)

8 credit card strategies of frequent flier mile pros -- These travel junkies earn hundreds of thousands of miles without ever entering an airport. Use their credit card techniques to reap your own free flights ... (See Flier tips)

Kim McGrigg: Good credit no longer wins automatic credit limit increases -- Today, with credit card lenders still skittish, even good payment history may not win an easy credit limit increase ... (See Credit limit increase)

Money disorders: Financial enabling is help that hurts -- If you’re repeatedly giving money to an adult child, he may not be the only one with a problem. Part 2 of CreditCards.com's series on money disorders ... (See Financial enabling)

Sally Herigstad: Charged interest after your card is paid off? -- Don't be surprised if you are billed for "residual interest" on your next billing statement -- even after you finally paid the card off ... (See Residual interest)

Ramit Sethi: Being rich isn't all about money -- "I Will Teach You to Be Rich" author Ramit Sethi says money experts focus more on saving money rather than making yours grow, and how being rich involves more than what's in your bank account ... (See Ramit Sethi)

5 ways the Law of Attraction can help you get out of debt -- If you consistently think about being debt-free and banish negative money thoughts, can your mind lift you out of your financial hole? ... (See Law of attraction)

Fed survey: Recession robbed net worth of 6 in 10 American families -- A Federal Reserve survey puts numbers to what we already know: The 2007-2009 Great Recession took a horrible toll on most families ... (See Recession robbed net worth)

When being frugal becomes an obsession -- Do you or someone you know go beyond being a cheapskate? If so, you may have a money disorder -- one that financial therapists call “underspending” ... (See Money disorders)

The golden days of having credit -- Today, having the uber-exclusive American Express Black Card is a status symbol. A half-century ago, being approved for a credit card meant you had joined the American elite ... (See Credit cards)

Gary Foreman: How to cut back on credit card spending -- A reader who gives in easily to credit card temptation needs to take ever-stronger preventive steps ... (See Cut credit card spending)

8-month plan to shift family from two incomes to one -- Moving from two incomes to one can be terrifying, but surviving and thriving on just one income can be done -- and in just eight months ... (See Surviving on one income)

Jeremy M. Simon: What to do with an inaccurate address on a credit report -- A reader whose credit reports list addresses associated with her ex-husband shouldn't worry, but she should take action. Our expert lays out what she should do ... (See Credit report)

New Fed rule limits credit cards for stay-at-home parents -- As of Oct. 1, 2011, only individual income, not household income, can be considered when issuing credit cards, a new regulation says, which will cut into stay-at-home spouses' ability to get credit on their own ... (See Household income )

10 credit commandments for young professionals -- The money habits you form in your 20s can set you up for financial success -- or failure. Be savvy with your cash early and reap the rewards later ... (See New to credit)

Credit card issuers, banks waive fees for Japan relief donations -- Banks will forgo their usual transaction fees so that 100 percent of the money donated for Japan relief reach its destination ... (more)

Sally Herigstad: Protecting your credit during a divorce -- When faced with divorce, it's important to seek the advice of an attorney before agreeing to leave your home or trying to pay off joint debt ... (See Divorce and debt)

After disasters, beware credit card frauds and scams from fake charities -- In the wake of a disaster, emotions can run high and people want to help. Fraudsters know it, and pose as phony charities to steal credit card information ... (See Disaster scams)

6 financial mistakes to avoid in divorce -- If you're not careful, a divorce can wreck your credit and your financial future. Protect yourself against these common financial mistakes ... (See Money and divorce)

Gary Foreman: In hard times, keeping credit lines high may trump paying off debt -- Ordinarily consumers should use spare cash to pay off highest-rate debt first. But for those with shaky income, that strategy might not be the best ... (See Credit lines)

Are you suffering from a money disorder? Maybe it's time to consider financial therapy? -- Do you overspend, blow your budget, obsess over your cash (or lack of it?). Then a new breed of expert -- financial therapists -- are ready to help ... (See Financial therapy)

Jeremy M. Simon: Don't fear credit score drop when applying for new card -- Applying for a new card may trim a few points from your credit score, but it shouldn't last -- as long as you use the new card wisely ... (See Credit score drop)

10 ways to spring clean your finances -- It's the season of invigoration again, a time to ditch dusty financial items and habits and start fresh with just what you need to succeed ... (See Financial spring cleaning)

Using credit, debit card to buy gas now a major financial decision -- 'Blocks' or 'holds' on your debit or credit card funds, along with spiking high prices, can drain an account faster than a gashog drains a tank ... (See Cards and high gas prices)

Todd Ossenfort: The Credit Guy's top 5 money tips -- After writing his column for the past three years, columnist Todd Ossenfort leaves his readers with these top five financial lessons ... (See Top 5 money lessons)

Disabled and in debt: Three choices -- A woman living on disability with credit card debt wants to stop paying the $5,800 she owes. Our expert outlines her choices. ... (See Disabled and in debt)

How to react to these 7 cringe-worthy credit moments -- Your card's been declined, an employer wants to run your credit report and your landlord laughs when he runs your credit. How to handle these embarrassing situations with aplomb ... (See Cringe-worthy credit moments)

Todd Ossenfort: Can collectors come after your inheritance? -- Public records are perused by debt collectors. If they find out you've inherited a chunk of cash, don't be surprised if they come out of the woodwork ... (See Debt collection)

Credit cards magnetic stripes get smarter -- The humble credit card is about to get smart with buttons and displays to keep you on a budget and protect you from fraud ... (See Magnetic stripes)

Sally Herigstad: Using a deceased spouse's plastic is illegal -- Once a spouse dies, card accounts in his name only need to be closed immediately. Using that plastic in his name is considered fraud ... (See Credit cards and death)

San Antonio leads the list of 25 cities with most credit card debt -- Overall, debt is down, but Texas, Georgia, Florida cities are all well-represented in the list of cities whose citizens rack up the most card debt ... (See Cities with most debt)

Jeremy M. Simon: Requesting a teen's credit report isn't child's play -- A mom looking to get a copy of her teenage son's credit report finds that the process can be quite a challenge ... (See Obtaining a teenager's credit report)

5 signs you're getting out of debt too fast -- While racing to the finish line to pay off debt, some quick repayment scenarios may hurt consumers in the long run, experts warn. ... (See Paying debt too fast)

7 building blocks of good credit -- Want a good credit score? Know these seven basic moves and you're guaranteed to have one ... (See Good credit score)

Todd Ossenfort: Neglecting one credit card bill can ruin your credit -- A reader has four credit cards, but only wants to pay on three of them. He wonders what will happen if he follows through ... (See Not paying credit card bills)

Sally Herigstad: Bankruptcy can steal inheritance, even if it hasn't yet been received -- A reader wants to file for bankruptcy, but worries the judge will tap her deceased father's lawsuit settlements bequeathed to her to pay off her debts ... (See Bankruptcy and inheritance)

6 questions to pop before you open a joint credit account with your sweetie -- A joint credit card for an unmarried couple is only for those who know their love will last ... (See Joint credit card)

Gary Foreman: Renters: How to protect yourself if your landlord faces foreclosure -- A federal law temporarily provides some protection against instant eviction, but check to see if the mortgage is being paid ... (See Renters face foreclosure, too)

Credit monitoring services: Pros, cons and how to pick one -- Experts are divided about whether these services are worth the cost, but if you've been a ID theft victim, they can help raise red flags ... (See Credit monitoring)

Survey: Recession still hurting saving, retirement funds -- A national survey finds that the lingering effects of the recession are causing more Americans to become concerned about its impact on their personal finances ... (See Recession's financial effects linger)

Debt collectors seek right to 'robocall' cell phones -- The next debt collection battleground is your cell phone. Debt collectors say autodialing debtors is good for consumers, but the move may add to its image as a pest ... (See Debt-collection robo-calls)

8 tips to stop banking app fraud -- Having an app from your bank on a smart phone or tablet computer is incredibly convenient, but is it safe? Learn how to protect your mobile device ... (See Mobile banking app tips)

Sally Herigstad: Jobless adult children rack up debt on mom's cards -- Three grown sisters have defaulted on $40,000 they racked up on their mother's plastic and wonder what they can do to fix the situation ... (See Charging on mom's plastic)

How your girlfriends can ruin your credit -- According to the Beatles, “a little help from your friends” is a good thing, but maybe not so much if they encourage you to spend yourself into debt ... (See Friends and your credit)

Study: U.S. credit cards more transparent since new law kicked in -- A study marking the one-year anniversary of the reforms enacted by the Credit CARD Act finds they haven't raised prices, and have increased transparency ... (See CARD Act study)

Consumer credit card ownership sees 1st jump since 2008, Fed says -- The number of credit cards held by consumers increased for the first time since early 2008, according to data released by the Federal Reserve on Monday ... (See Credit card ownership jumps)

Todd Ossenfort: Be vigilant if you suspect ID theft -- A reader questions whether he should be concerned about a credit card offer sent to his home, but directed to a distant family relative ... (See Identity theft)

6 exceptions to paying tax on forgiven debt -- Before you write a check to the IRS for forgiven debt, see if you qualify for one of these six exceptions to paying tax on that debt you didn't have to pay ... (See Forgiven debt exceptions)

When you marry Mr. Debt, be prepared to pay -- Exchanging vows with a debt-laden spouse doesn't make his debts yours, but it puts your relationship on high alert from the get go ... (See Marrying into debt)

8 creative ways to stay debt-free -- After months or years of paying down your debt, keeping yourself away from temptation can become difficult. Experts offer creative solutions to stay on track. ... (See Stay debt-free)

10 ways business credit cards are different -- Business credit cards offer distinct advantages, but not all the protections of consumer cards ... (See Business card differences)

Jeremy M. Simon: How loan applications hurt your credit score -- When applying for a loan, be prepared for a small ding to your credit score as lenders check your creditworthiness ... (See Hard inquiry)

QA with Kimberly Palmer, author of 'Generation Earn' -- For Gen Y, debt is almost inevitable, so learn to handle it wisely, argues Kimberly Palmer in her new book, "Generation Earn" ... (See Kimberly Palmer)

Todd Ossenfort: Ignoring debt lawsuit can lead to wage garnishment -- When a court summons appears about an unpaid debt, it is best not to ignore it. Creditors can get orders to garnish your wages and seize funds from your bank account ... (See Wage garnishment)

3 options for dealing with the February financial freak-out -- February is often the month of reckoning for people losing their grip on credit card debt: Your January bill may have been bloated with holiday spending and debt realities ignored during the holidays are emerging. So where do you turn first? ... (See February financial freak-out)

How much it costs to attend Super Bowl XLV -- You won't see any credit card Super Bowl ads in 2011, but they'll be everywhere -- mainly because it costs so much you couldn't carry enough cash ... (See Super Bowl XLV prices)

Erica Sandberg: Spouse won't stop spending? Get a 'financial divorce' -- If a spouse repeatedly overspends, do what you can to rein in the bad spending habits -- but also protect your credit by separating yourself financially ... (See Financial divorce)

How your age affects your credit -- Whatever the stage of your financial life, see how these age-specific credit tips can help you manage your money ... (See Your age and your credit)

Todd Ossenfort: Stop paying or file bankruptcy: Which path is less painful? -- A low-income senior citizen read advice that instead of filing for bankruptcy protection, he should just stop paying his credit card bills ... (See Bankruptcy protection)

Be debt free for life, urges author David Bach -- CreditCards.com talked with best-selling author David Bach about Americans' attitudes toward debt, how they are changing and what he can do to help ... (See David Bach)

Sally Herigstad: Put off marriage until after bankruptcy -- A reader wants to get married and then file for bankruptcy. Our expert warns her of starting off a marriage on such uneven financial footing ... (See Marriage and bankruptcy)

Cookies and credit: Card issuers watch how you shop for credit cards, customize offers -- Shopping online for a credit card? Some issuers have begun to use high-tech marketing techniques to vary their offers based on what they think they know about you from your online behavior ... (See Card issuers' online techniques)

5 tools for rebuilding your post-recession credit -- A number of credit issuers are stepping up offers to consumers working to regain their financial footing, after months of keeping their coffers closed ... (See Rebuilding your credit)

Erica Sandberg: The pros and cons of debt management plans -- A reader says he regrets entering into a debt management plan because of its impact on his credit. Our expert says his old, free-spending ways, not the plan, caused the damage ... (See Debt management plan)

8 people you trust with your credit card, but shouldn't -- It's amazing how blind trust can get you into trouble -- especially when it comes to your credit card. Here are 8 people you should be wary of sharing your plastic with. ... (See Credit card trust)

6 expenses you should never put on a credit card -- There are some things experts say you should never put on a credit card -- because they're frivolous, can land you deep in debt or because there's a better alternative ... (See Things not to charge)

How to change your credit card bill's due date -- Job loss, new marital status and all sorts of factors may monkey with your cash flow schedule. But when changes happen, will your credit card company work with you to move your credit card bill's due date? Yes, say major issuers, but there may be a caveat ... (See Credit card due date)

Todd Ossenfort: When is a debt too old for collection? -- A reader is being pursued for a debt that is 13 years old and wonders if the debt is really his. Lucky for him, the debt is too old to collect on ... (See Old debt)

Credit card balance transfers: How to find the best deals -- Those 0 percent credit card balance transfer offer dwindled during the recession. Now, they're making a comeback -- but you have to watch for the fees and fine print ... (See Find the best deals on credit card balance transfers)

Sally Herigstad: Laid off: Which bills HAVE to be paid? -- You saved for a rainy day and it's raining. After being laid off, a reader watches her emergency funds dwindle and wonders which bills she can stop paying ... (See Laid off, in debt)

QA: Liz Weston's new money commandments -- To help consumers navigate through this new financial climate, money expert Liz Weston talks about her new book, “The 10 Commandments of Money: Survive and Thrive in the New Economy.” ... (See Liz Weston)

Free, public Wi-Fi can be dangerous to your credit card, bank accounts -- If you use a free Wi-Fi connection in an airport, cafe or some other public space, you may be taking a big risk with your credit card information. But the good news is there are steps you can take to secure your data ... (See Wi-Fi card threats)

Todd Ossenfort: Credit card use rights die with the account holder -- Family members want to keep using their dead mother's credit card -- even though the issuer has closed the account. There are legal -- and moral -- issues here ... (See Credit card use after cardholder's death)

Sally Herigstad: Basic rules for business card usage -- A reader who started her own company questions advice recommending that she use her business credit card for both personal and business charges ... (See Business credit card)

Watch what you post! Collectors turn to social media -- Social networking websites are becoming hotspots for collection agencies wanting to track down elusive debtors ... (See Debt collection, social media)

Personal bankruptcies rose 8 percent in 2010 -- Housing bubble states led the pack in bankruptcies, with California and Florida having the most people file. Hawaii had the largest percentage increase and Nevada the most per capita ... (See 2010 bankruptcies)

Erica Sandberg: What authorized users can and can't do with your credit card -- Our expert reminds a reader that authorized users on a credit card account can't successfully request an increase to that card's credit limit. And, she says, that's a good thing ... (See Credit card authorized user)

Jeremy M. Simon: Will an unwanted card hurt your credit? -- A reader seeking an "exclusive" Chase credit card doesn't want his score to be affected by closing an unwanted version of the card ... (See Closing card accounts)

Issuers use incentives to push paperless billing -- While more consumers pay bills online, far fewer have given up on paper bills and statements entirely. As a result, card issuers are dangling incentives as sweepstakes and extra features to get consumers to switch off the paper ... (See Paperless billing)

Todd Ossenfort: The right way to build good credit over time -- If you use credit wisely and build a solid credit history when you're young, you can save yourself a lot of pain and misery down the road ... (See Building credit)

Sally Herigstad: Foreclosure's impact on married couples -- When a mortgage is in one spouse's name, if you choose to foreclosure, the impact to the other spouse's credit can depend on whether you live in a community property state ... (See Credit and foreclosure)

Dan DeFelippi: Secrets of a former credit card thief -- What would a real credit card thief tell you if he had the chance? Dan DeFelippi, convicted of card fraud, says you can't be too careful ... (See Credit card theft)

Issuers may freeze, seize your bank account if you pay late on credit card -- Can you have your bank accounts frozen and money taken from them by an issuer if you don't pay your credit card bills on time? Depends on where you live ... (See Freeze, seize bank accounts)

How different cultures handle credit cards -- With credit card habits varying widely across the world, there are lessons that can be learned from studying how people in other cultures handle money. ... (See Credit abroad)

QA with 'Real Cost of Living' author Carmen Wong Ulrich -- With a master's degree in psychology and a way of cutting through the mumbo jumbo, Ulrich takes dry topics such as debt and investing and puts it into the context of our lives ... (See Carmen Wong Ulrich)

Sally Herigstad: Best ways to spend a $25,000 windfall -- A reader inherited $25,000 and has myriad debts to pay, but can't figure out how to divvy up the money among all her creditors ... (See Windfalls and debts)

Top 10 credit card television episodes -- Credit cards pop up in supporting roles on TV, often in the hands of minors or childlike adults. Their antics reveal the consequences of impulsive buying in ways not so hilarious in real life ... (See Cards on TV)

Comparing pro sports leagues' credit cards -- From Major League Baseball to the Ultimate Fighting Championship, credit card issuers are offering something for every sports fan. But like any other credit card, sports affinity cards should be judged by their specific terms and conditions, not their logos. ... (See Compare pro sports cards)

Todd Ossenfort: Getting out of high-interest credit card debt -- A disabled wife's $14,000 high-interest card debt is crippling her husband's ability to continue to pay the minimum amount due ... (See High-rate card debt)

Sally Herigstad: Will bankruptcy filing hurt ex-spouse? -- A divorced woman is ready to file for bankruptcy in a community property state, but is worried that her ex-husband may be pursued for her unpaid debts ... (See Bankruptcy and divorce)

Gary Foreman: How to start using credit cards again after handling them badly before -- To get a good credit score and the best loans, you have to get back in there and start using credit again, even if it burned you the first time ... (See Re-establish credit)

Store loyalty programs: Discounts can have hidden costs -- Sure, the popular store loyalty programs offer discounts, but is it really a discount if you're chasing savings on items you wouldn't have otherwise bought? ... (See Store loyalty programs)

Jeremy M. Simon: Running up credit card debt, declaring bankruptcy a bad idea -- A reader's plan to max out his credit cards before declaring bankruptcy has some serious problems, our expert says. ... (See Bankruptcy fraud)

Todd Ossenfort: Get a better credit score by mixing up types of credit -- It takes more than paying off one credit card every month to obtain an above-average credit score. You need to show that you can handle different types of credit ... (See Boost credit score)

Novel views of credit card debt: Plots of books by Zevin, Walter revolve around debt -- If you have problems handling your finances, you might enjoy sharing your misery with fictitious characters who get into debt and the paths they take to try and get out ... (See Credit card novels)

The 7 deadly credit card sins -- Commit one or more of the seven deadly sins, and you might find yourself headed straight for credit card hell. With a little help, it isn't too hard to trade vice for virtue ... (See Credit card sins)

Sally Herigstad: Avoid sharing credit with elderly parents -- A reader, whose elderly mom can't get credit in her own name, wonders if it's OK to add mom as an authorized user on her credit card ... (See Authorized user)

Even if first credit card's terms aren't the best, think before canceling -- Your first credit card sets up your future credit choices, so use it wisely and weigh the impact of canceling it ... (See First credit card)

QA with personal finance author Farnoosh Torabi -- Is true wealth really only in your head? Can you banish debt and live prosperously just by changing your beliefs? Cue national personal finance authority Farnoosh Torabi ... (See Farnoosh Torabi)

What if Santa charged Christmas? -- If he did charge Christmas, just how much would Santa spend -- and pay back with interest? And what interest rate, minimum payment or rewards might Santa expect to see on his credit card statement? ... (See Santa's credit card)

Sally Herigstad: Pay off balances or close accounts to boost credit score? -- A reader wants to know if closing card accounts or paying down her balances will improve her credit score ... (See Credit score)

Careless-spending celebrities lose sympathy with American public -- High-spending celebrities take note: If you’re in debt because of your poor money choices, don’t look for much empathy from the rest of us. ... (See Celebrity spending)

Gary Foreman: Transfer car loan to a low-rate credit card? Yes, but carefully -- On the surface, transferring a car loan to a 0 percent credit card looks like a no-brainer. The fees and fine print may say otherwise ... (See 0 percent credit cards)

Unemployed? You can get an extra free credit report -- Federal law guarantees unemployed U.S. workers the right to an extra free credit report to assist in their job search. The problem? Nobody seems to be telling out-of-work consumers ... (See Unemployed credit report)

Todd Ossenfort: When does debt get too old to collect? -- Each state has a statute of limitations on credit card debt, which prevents collectors from taking you to court after a certain period of time ... (See Statute of limitations)

Sally Herigstad: You can run from debt, but you can't hide -- A woman who left an abusive relationship also left her debts behind. Our expert asks her to face the music as she can't hide forever ... (See Leaving debt behind)

9 hot credit card scams to watch out for -- Scammers love credit cards, and they have a host of ways to prey on yours. Here's what to watch for and how to avoid problems ... (See 9 credit card scams)

Procrastination is key to a credit card and financial disaster -- Putting off paying bills or failing to clean up your credit report can ruin your finances when all you need is a little attitude readjustment. Here's how ... (See Financial procrastination)

Jeremy M. Simon: Is a widow responsible for late husband's debt? It depends -- A widow living in Minnesota wonders whether her credit report should reflect her deceased husband's charged-off credit card account. ... (See Debt and death)

Addiction to home shopping channels: A convenient path to credit card debt -- If home shopping is causing you to bust your budget or descend into debt, it's time to switch channels ... (See Home shopping and debt)

Todd Ossenfort: Disputing, removing joint-account holder causes headaches -- Whether you're an authorized user or a joint account holder, mistakes and confusion may reign when trying to sever a credit relationship ... (See Shared credit accounts)

Sally Herigstad: Retired, deep in debt. Is bankruptcy the answer? -- After years of borrowing, a retired couple is drowning in credit card debt. Is bankruptcy the only way out? ... (See Retired, in debt)

10 expenses to cut to help pay off credit card debt -- In hard times, take a hard look at what's coming in, what's going out and see where you can free up some cash quickly to start hacking away at your debt ... (See Cutting back)

Credit card agreements still mostly unreadable -- A few months ago, we analyzed all the credit card agreements posted on a new public database and found them unreadable to four out of five American adults. We looked again at the worst offenders and find little improvement ... (See Unreadable card agreements)

Jeremy M. Simon: Can you freeze an individual credit card? -- While a credit freeze will restrict the opening of new accounts in a borrower's name, it takes a different approach to temporarily prevent the use of an existing accoun ... (See Credit freeze)

6 questions to help you pick the right small business credit card -- The right questions can help you find a small business credit card that's a lifeline, not a noose ... (See Business credit cards)

Gary Foreman: Thinking of closing little-used credit card accounts? Not so fast -- Think twice before closing little-used credit card accounts because you're mad at the issuer. It could backfire by damaging your credit score ... (See Closing credit accounts)

Erica Sandberg: Wondering who holds your delinquent debt now? Check your credit report -- A reader wants to know which company currently holds his delinquent debt. The answer, our expert says, can be found in his credit reports ... (See Delinquent debt)

11 buying, spending tips:: Your holiday credit card self-defense guide -- If you don't do your homework and take the time to protect yourself -- not just from fraudsters, but from yourself and your own compulsions -- your holiday bills could go sky-high. These 11 tips can help ... (See Holiday credit card shopping)

Todd Ossenfort: When debt collection makes your life miserable -- A reader reduced a regular payment to her creditor by half and wants to know how much worse things are going to get ... (See Credit card debt collectors)

How a Supreme Court ruling threw out usury laws for credit card rates -- How a 1978 court case changed the credit card industry and put cards in everyone's pockets, but erased state laws that limit interest rates ... (See Credit card usury laws)

Jeremy M. Simon: 20-year-old debt should not come back to haunt you -- While credit histories typically benefit from repaying debts, in the case of 20 year old credit card account, it may be better to ignore a creditor's request for payment ... (See Old debt)

Debt's most tragic toll: murder-suicide -- While a poor economy doesn't make someone abusive, financial hardship can turn someone already on the edge into a violent criminal ... (See Debt and murder)

Todd Ossenfort: Does saving trump carrying a high card balance? -- A reader has saved $70,000, but continues to pay only the minimum on a $14,000 card debt. Our expert shows questions her logic ... (See Savings vs. debt)

Job hunting? 7 tips for adding a 100-word explanation letter to your credit report -- Many potential employers check credit reports today, so if your credit is dinged, adding a 100-word letter of explanation to your credit report can set the record straight ... (See Credit report general statement)

Gary Foreman gives a 'live for today' man his best 'save for tomorrow' motivational advice -- Our frugality columnist reminds a man who lives for today that he could get hurt or laid off and quickly face financial devastation ... (See Live for today)

Jeremy M. Simon: Patient's age determines whether unpaid medical debt owed -- A reader's dad was supposed to pay her medical bills, but then he fell on hard times. Now collectors are coming after her. Our expert says the right course of action for her depends on what her age was when she accrued the debt ... (See Medical debt)

Gift cards 2010: More consumer-friendly -- New gift card regulations, incentives and conveniences give consumers more reasons than ever to jump on the gift-card wagon ... (See Gift cards 2010)

Todd Ossenfort: Divorce doesn't dissolve joint card debt -- If you don't close joint card accounts after a divorce, then you're still responsible for paying any balances -- no matter who used the card ... (See Credit card debt, divorce)

9 tips for sticking to a holiday budget -- Here's one way to guarantee a happy new year: Rein in holiday spending. To do that, create a holiday budget and stick to it ... (See Holiday budget tips)

Sally Herigstad: When nonpayment lands you in court -- A woman is being sued by her credit card company for nonpayment, and she wonders if it makes any difference if she shows up for a court date or not ... (See When card issuers sue)

Using PayPal? 10 tips to stay safe -- More than 153 million people worldwide use PayPal for online purchases and sales. Just how safe is it? ... (See PayPal)

QA with Susan L. Hirshman, author of 'Does This Make My Assets Look Fat?' -- In her book 'Does This Make My Assets Look Fat?,' Susan L. Hirshman simplifies often-complicated material into girl-talk terms that any failed dieter can digest ... (See 'Fat Assets' author Q&A)

Banks paid out $83 million in '09 to schools, alumni groups to market credit cards -- Once-secret agreements, forced into view by the 2009 credit card reform law, reveal the vast scope of student, alumni marketing ... (See College marketing deals)

Learn your credit card billing cycle to avoid late charges -- The Credit CARD Act has changed the rules for billing and how payments are applied; know them to avoid surprises -- and trouble ... (See Credit card billing cycles)

Credit card insurance perks: Does your card have you covered? -- Your credit card can help make life's little emergencies a tad easier to handle. But the next time disaster strikes, your card could be there for you in ways you didn't expect -- as long as you play by the rules ... (See Credit card insurance coverage)

Paying card debt trumps 2010 tax tips -- What may sound like a good tax strategy for 2010 may actually be less valuable to you than paying off credit card debt ... (See Credit card debt and taxes)

Sally Herigstad: Disabled and in debt: What to do? -- A reader who is temporarily disabled and unable to work wonders how in the world she can pay on her large debts. Our expert offers some advice ... (See Disabled and in debt)

Little known credit card hardship programs offer help for problem debt -- Card issuers don't publicize them, but most have internal hardship programs for customers who have trouble paying their debts ... (See Credit card hardship programs)

Gary Foreman: Ask for a lower credit limit? Unless you can't control your spending, don't -- Unless you can't control your spending, don't ask your credit card issuer to lower your limit; you'll be lowering your credit score, too ... (See Credit limits)

Hoarders: Buried in debt -- For hoarders, the compulsion to collect, store and acquire things takes over the ability to keep track of finances. ... (See Hoarders and debt)

Erica Sandberg: The dark side of credit piggybacking -- A mom who has fallen on hard times laments that her struggles are hurting her son's credit, since he's an authorized user on her card. Our expert tells her how to clean up the mess ... (See Piggybacking)

Forgot to pay your credit card bill? You could lose your rewards points -- Here's another reason to pay your credit card bill on time: If you pay late, you could lose your rewards points ... (See Credit card rewards)

Todd Ossenfort: Inherent risks exist when co-signing a car loan -- A reader wonders whether she should co-sign on a car loan for a student who needs a car to commute to college ... (See Co-signing risks)

Going to jail? 10 tips for reducing the financial damage -- Credit counselors, attorneys and ex-convicts offer 10 pieces of advice on safeguarding your finances if you're going to jail ... (more)

Paying off joint debt brought into a marriage -- When both partners bring substantial credit card debt into a marriage, it will take a joint effort in order to pay the debt off ... (See Joint card debt)

Gary Foreman: How to deal with debt after a divorce when ex won't pay -- Even if there's a court order, getting money out of a deadbeat ex isn't easy ... (See Divorce and debt)

Over your head in debt? 5 extreme budgeting ideas -- For many people struggling with unemployment or other financial calamity; however, just cutting back on expenses is not enough. Here are 5 extreme ways to save money. ... (See Extreme budgeting)

Medical credit cards: Watch for these warning signs -- With out-of-pocket medical costs skyrocketing, medical credit cards are on the rise. But can they hurt more than they help? ... (See Medical credit cards)

QA with Gail Vaz-Oxlade -- In the mood for a money and credit management expert who pulls no punches yet somehow remains cheery and kind? Look no further than Gail Vaz-Oxlade. ... (See 'Til Debt Do Us Part')

5 credit card urban legends and why we fall for them -- A magical way to erase debt, the debt collector who wants $0 and battling Osama with your plastic -- all urban legends that prey on our weaknesse ... (See Credit card urban legends)

Credit card issuers required to 'cure' penalty rates -- Missed a couple of credit card bills and get socked with a penalty APR? New rules give you an opportunity to get your old rate back ... (See Penalty rate cure)

Sally Herigstad: There's no easy way to make debt disappear -- A couple facing wage garnishment wants to know where to turn to get rid of debt. Our expert warns against believing those debt elimination scams. ... (See Debt elimination)

Zen and the art of credit card management -- Credit cards can offer peace of mind, but more often than not, they create undue stress. You can bring tranquility into your financial life by following these five strategies for attaining credit card Zen ... (See Zen and credit cards)

NFCC Awards: Carole and Don Carroll: Debt-free after 30 years -- Everyday was a complicated dance balancing $88,000 on more than a dozen credit cards. Today, they are debt free and winners of a major award for their efforts ... (See Biggest losers (of debt))

Jeremy M. Simon: When a parent's 'favor' can ruin your credit -- A reader is an authorized user on his dad's small business card. However, his credit is taking a hit as dad's business has fallen on hard times. Our expert says the reader should remove himself from that account ASAP. ... (See Authorized user)

All in the family: Parents stealing kids' identities -- It's a crime that can go undetected for years and appears to be happened more often. How do you detect, fix identity theft by a parent? ... (See Parental identity theft)

5 ways to know you've got the wrong credit card for you -- You had a closet full of clothes you adored as a teenager -- but that doesn't mean you'd wear them now, right? The same thing goes for your credit card ... (See Wrong card)

How to haggle to reduce your credit card debt and rates -- You've heard the ads promising quick and easy debt reduction, but there's nothing easy or quick about them ... (See Negotiating lower debt, rates)

What happens to unpaid credit card debt if you move abroad? -- Unpaid credit card debts may be tougher to collect if you leave the country. But there are still reasons you should pay up. ... (See International credit card debt)

You went into debt for THAT?!? Good examples of bad charging -- There's a right way and a wrong way to use plastic. And then there's a really, really wrong way. Here are tales of extreme and hazardous uses of plastic ... (See Credit card abuse)

Jeremy M. Simon: More than retail cards needed for an excellent FICO score -- Retail credit cards, if used responsibly, can earn the cardholder a good -- but not great -- credit score. To take your score higher, you'll need a mix of cards ... (See Raise your FICO score)

15 questions that will help you find the right credit counselor -- Knowing what to ask will help you be prepared before, during and after your initial credit counseling session ... (See Credit counseling)

4 simple ways to cope with debt-related stress -- If you’re one of the millions of Americans in considerable debt, it isn’t just your pocketbook that could be affected, but your health, too. Here are four ways to help you cope ... (See Debt-related stress)

Todd Ossenfort: After a breakup, who's responsible for card debt? -- If you allow your significant other to become an authorized user on your card account, you're stuck with the bill, no matter what happens ... (See Authorized user)

Gary Foreman: How to re-establish responsible credit card use after debt problems -- After cleaning up past debt mess, the first question to ask is whether you've learned your credit card lesson and can handle credit responsibly now ... (See Re-establishing credit)

QA with Lynnette Khalfani-Cox -- Like the plumber with leaky faucets at home, money coach and personal finance author Khalfani-Cox had racked up more than $100,000 in debt. ... (See Lynnette Khalfani-Cox)

Smart credit card strategies before and after a job loss -- If you've gotten a pink slip -- or expect that you soon will -- it's time to upend everything you thought you knew about using your credit cards ... (See Credit cards and job loss)

Gary Foreman: After co-signing daughter's mortgage, both the loan and retirement plans turn upside down -- When their daughter's home loan went upside down, a couple's retirement plans went topsy-turvy. But there are options ... (See Co-signed mortgage troubles)

Been 'preapproved' for a credit card? The offer's not a binding contract - you may not get it -- A reader who's never had a credit card in her own name wonders why she's getting rejected for preapproved credit cards. Our expert explains that preapproved doesn't always mean that you're a cinch to get the card. ... (See Preapproved)

9 credit score myths do more harm than good -- In today’s economy, a good credit score is more valuable than ever, but not all advice is good advice. These nine credit score myths that can do more harm than good ... (See Credit score myths)

Retail credit cards 2010: Higher APRs, reduced rewards -- 2010 was not kind to retail credit cardholders. However, as the economy stabilizes, relief from higher APRs could be in the cards. ... (See Retail credit cards)

Todd Ossenfort: When the CARD Act backfires on you -- A reader with multiple low-rate promotional card balances has found that the new CARD Act is thwarting her attempt to pay down several balances ... (See Credit CARD Act)

CreditCards.com survey: 1 in 4 credit cards have annual fee, but issuers may waive it for you -- One in four U.S. credit cards has an annual fee, but that doesn't mean borrowers have to pay them ... (See Annual fees)

Plastic neophyte questions logic of getting credit -- An employed college grad wonders whether she should or shouldn't get that first credit card. ... (See First credit card)

Going mobile to make payments? You could be losing protection of consumer laws -- When it comes to mobile commerce, all payment methods are not created equal. Transactions linked to prepaid cards offer the least protection against unauthorized use and billing disputes ... (See Mobile payment protections)

3 steps to take when disposing of your computer -- Millions dump their old computers without much concern about all the sensitive information still stored on the hard drives, making them ripe for theft ... (See Dispose your computer safely )

Your options for reducing a high credit card APR -- If your card issuer won't lower your high rate APR, you have several options -- including moving to a new card ... (See Credit card APR)

How a new credit card affects your credit score -- A reader "accidentally" applied for a new Costco American Express card and believes that it might hurt her credit score ... (See Credit score)

Put your credit report on ice with a credit freeze -- Credit freezes can be great tools for protecting yourself against identity theft, experts say, but they're not for everyone ... (See Credit freeze)

QA with Zac Bissonnette, author of 'Debt-Free U,' a book of advice on student loans -- Author Zac Bissonnette argues that the risks inherent in college loans far outweigh any benefit of a degree from a big-name school ... (See "Debt-Free U" Q&A)

Todd Ossenfort: 7 ways to ensure a financially successful marriage -- Tying the knot? Know that finances are one of the top five reasons for divorce. Here's how to keep your money and marriage together ... (See Money and marriage)

Ex-offenders face big debt challenges after prison -- Most ex-offenders, once they are free, face overbearing debt obligations and job barriers, often forcing them to return to a life of crime ... (See Out of jail, in debt)

Airline cards for frequent flier cards remain popular, despite CARD Act -- Predictions that the Credit CARD Act of 2009 would cause airline rewards to dry up have proven untrue ... (See Airline rewards cards)

How to transform a good credit score to great -- Each day this week, our columnists will answer one of our readers' most frequently asked questions. Today, we focus on how to boost your credit score. ... (See Great credit scores)

Credit Card FAQ: Gary Foreman: Should you co-sign a loan? -- Each day this week, our columnists will answer one of our readers' most frequently asked questions. Today, 'New Frugal You' columnist Gary Foreman ponders, should you co-sign a loan? ... (See Co-signing)

Tips for minimizing danger of using an ATM card abroad -- Problems at ATMs are a rarity in America. But if traveling abroad, you may need to be wary ... (See Foreign ATM use)

Divorce and debt: Advice on dividing up, paying off debt -- Divorce is stressful enough. When jointly held debt is involved, things get a lot more complicated. Check out the advice in these stories ... (See Divorce and debt)

Credit Card FAQ: Todd Ossenfort: How do you get debt collectors off your back? -- Each day this week, our columnists will answer one of our readers' most frequently asked questions. Our series begins with a focus on debt collectors ... (See Debt collectors)

How credit card debt delays retirement dreams -- The dream of retirement is being clouded -- and delayed -- as more workers approach the golden years saddled with credit card debt ... (See Card debt and retirement)

Instant-issue debit cards go flat - no raised, embossed numbers -- Lost your debit card again? Your local branch can probably issue a new card on the spot, but beware, it looks and feels quite different ... (See Flat debit cards)

Credit CARD Act begins final phase -- Gift card protections, requirements for reasonable fees and mandatory account reviews when interest rates are hiked are among the new consumer protections in Phase III of the Credit CARD Act of 2009. ... (more)

5 steps to prioritize debt payments when cash is tight -- Owe numerous creditors but don't have enough money to send each a complete payment right away? Prioritize. Here's how ... (See Debt repayment)

Help for bad credit -- Got bad credit? Sometimes it can't be avoided. Sometimes it can. Either way, if your credit score's in the dumps, that doesn't mean you don't have options ... (See Help for bad credit)

Help for bad credit: Buying a car -- If your credit score stinks, don't just throw in the towel and buy a bus pass. Learn more about how to buy a car with bad credit with these stories.. ... (See Help for bad credit: Buying a car)

Help for bad credit: Buying or renting a home -- Bad credit history? Don't move into your mom's basement just yet! The economy is forcing landlords and homeowners to be more flexible. ... (See Help for bad credit: Buying or renting a home)

Help for bad credit: Dealing emotionally -- If a bad credit score keeps you up at night, wrecks your relationships or burns your confidence, you need to take steps to face, accept and change those three unsightly digits -- without losing your cool. ... (See Help for bad credit: Dealing emotionally)

Help for bad credit: Getting a cell phone -- Many cell phone plans exist that don't require a contract, big deposit or credit check, and many of those plans -- including pay-as-you-go plans -- may even save you money. ... (See Help for bad credit: Getting a cell phone)

Help for bad credit: Getting a credit card -- You need a credit card to improve your credit score, but you need a good credit score to open a credit card account. If you're stuck in this frustrating cycle, don’t give up ... (See Help for bad credit: Getting a credit card)

Help for bad credit: Jobs -- It's important to know the costs of negative marks on your credit history and how you should handle a potential employer who requests to see your credit report. ... (See Help for bad credit: Jobs)

Help for bad credit: Relationships, marriage and divorce -- Just as bad credit can fragment your relationships, some relationships -- especially those in which joint accounts or co-signed loans are involved -- can rip apart your credit score. ... (See Help for bad credit: Relationships, marriage and divorce)

Help for bad credit: Young adults -- Young people make lots of mistakes. Unfortunately, credit mistakes don't fade into obscurity after college graduation in the way that embarrassing party stories do ... (See Help for bad credit: Young adults)

Credit card lending standards loosen for 1st time in 3 years -- It got easier to get a credit card in the second quarter of 2010, according to data released by the Federal Reserve on Monday ... (See Survey)

Financial experts reveal their worst money advice -- They say free advice is worth what you pay for it, but for these financial experts, it was actually a lot more costly ... (See Money experts' worst advice)

Divorce and credit card debt don't mix -- While a decree can assign payment responsibility for joint credit card debt, if your ex doesn't pay as agreed, your credit is at risk ... (See Card debt and divorce)

Sally Herigstad: 4 common myths about debt and marriage -- A reader has suspicions her husband is having an expensive cash-only affair, using plastic to cover household expenses. Is she liable for that debt? ... (See Credit cards and marriage)

Mine, yours and ours: Marriage and your money -- When you say "I do," it's not just your lives that are forever linked, it's your funds too. For the sake of connubial contentment, is it better to intermingle your money or maintain your financial independence? ... (See Marriage and money)

8 reasons to ignore your credit score and rating -- You know how important having and maintaining a great credit score is, but there are times when concentrating on something else makes more sense ... (See Ignore your credit score)

What next generation credit cards will look like, do for you -- Next-generation credit cards are moving from the lab to wallets, with touchscreens, bigger memories and the ability to tell you your balance ... (See Credit cards of the future)

Credit CARD Act doesn't prevent new fees -- While the new law does regulate a lot, what it doesn't do is prevent card issuers from imposing creative new fees, such as "maintenance" fees. ... (See Credit CARD Act)

80 percent of spouses lie about spending -- Secret spenders have hidden credit cards, bank accounts and debts ... (See Secrets)

7 reasons your credit card gets blocked and 7 tips for handling it -- When your credit card company stops a thief from charging fraudulent expenses to your card, you're thrilled. But what happens when they mistake you for the thief? We can help ... (See Blocked)

Sally Herigstad: Do you marry someone who's deep in debt? -- A woman wonders if she'll ruin her credit by marrying a man who has $150,000 in debt. Our expert says no, but be careful to keep romance and finances separate. ... (See Debt and marriage)

Gary Foreman: Don't use 401(k) to pay off credit card debt -- Yes, you could pay debt off and cut back to a three-day work week, but the price would be working many, many more of those weeks ... (See 401(k) and credit card debt)

The credit card carnival -- enjoy the ride! -- Poorly managed credit can seem like spending eternity at the carnival -- complete with thrill rides and junk food -- if you don't know how to take control. ... (See Credit card carnival)

Don't fall for the 'Obama government debt bailout program' scam -- Rip-off alert: There's no government program to relieve you of credit card debt, despite the hordes of Internet scammers who say there is ... (See Debt bailout)

6 tips to use store credit cards the best way -- When used right, store cards can get you big discounts. When used wrong, they can get you into big trouble ... (See Retail credit card tips)

Anatomy of a smart credit cardholder -- From your head to your feet, these are key attributes you can hone to help manage your credit wisely ... (See Smart credit card use)

Sally Herigstad: Don't pay a collector's dubious old debt without proof -- If a collector calls wanting payment on a very old debt that you don't remember, odds are that you are being scammed ... (See Dubious debt)

FTC bans upfront fees for debt settlement firms -- Those who owe on credit cards, other loans were often soaked, federal agency says in banning upfront fees for debt settlement ... (more)

Is Dad responsible for stepmom's credit card debt after her death? -- Responsibility for debt after the debtor's death comes down to who signed the contract and what state they're in ... (See Credit card debt after death)

You've arrived! True tales of the American Express Black Card -- This hard-to-get credit card, with its unusual black appearance and hefty metal weight, does more than ensure access to airport lounges ... (See AmEx Black Card)

7 places to safely stash your plastic at home -- Think a thief won't look in your Bible, freezer or underwear drawer for credit cards? It's time to find more creative hiding places. ... (See Credit card hiding places)

Bank of America stops disclosing default APRs -- Despite regulations aimed at making credit card agreements more consumer friendly, new cardholders carrying plastic from the No. 2 U.S. bank won't know the exact cost of making a borrowing mistake until it's too late. ... (See Penalty rates)

Pros and cons of paying off old debt -- Yes, paying it off will look good to lenders, but you may not want to restart the clock on debt that has passed the statute of limitations ... (See Paying off old debt)

Don't retire card debt with 401(k) savings -- While it may be tempting to cash out retirement accounts to pay down card debt, you'll most likely regret that decision later ... (See Retirement and debt)

Consumer financial protections at least a year away -- Long ramp up time for new Consumer Financial Protection Bureau means consumers will have to wait for credit card protections ... (more)

Credit card contracts unreadable for most Americans -- A CreditCards.com analysis of the contracts filed in a federal database shows most can't comprehend the agreements their credit card issuers send them ... (See Unreadable card agreements)

New federal credit card agreement database shows potential, isn't user-friendly -- A new federal database of credit card agreements contains a wealth of information, but it isn't presented in a user-friendly way, critics say ... (more)

10 wordiest credit card agreements -- Of all the credit card contracts posted online in a new Federal Reserve database, these droned on the longest, according to a CreditCarsds.com analysis ... (more)

Readability of the credit card agreements from 20 largest issuers -- Large national banks issue more than 90 percent of the cards in the United States. Here's how their credit card agreements compare for readability ... (more)

3 language experts try to make sense of a credit card contract -- No joke: An ex-spy, a rocket scientist and an etiquette expert wade into a credit card agreement and try to make sense of it ... (more)

Buying a car? Know the 3 main costs of auto ownership -- As with the car itself, the decision on what to buy has a lot of moving parts, so weigh the cost variables carefully when comparing new, used autos ... (See Buying a car)

10 most unreadable credit card contracts -- Of all the credit card contracts posted online in a new Federal Reserve database, these were the 10 most unreadable, according to a CreditCards.com analysis ... (See Unreadable card contracts)

10 most readable credit card agreements -- Of all the credit card contracts posted online in a new Federal Reserve database, these were the 10 most readable, according to a CreditCards.com analysis ... (more)

Can your credit score be too high? -- Responsible cardholders don't generate a whole lot of revenue for issuing banks. But does that mean the bank has the right to refuse you plastic? ... (See Good credit score)

6 credit card fees you might not know about -- In the aftermath of new regulations that cracked down on some of their most lucrative practices, credit card companies are looking for new sources of revenue. If you're not careful, you may get hit with a broad array of old and new fees ... (See Obscure credit card fees)

Debt in collections: Do you settle or pay in full? -- Once your debt goes into collections, you can choose to pay the full amount or negotiate a lower amount. Which choice looks better on your credit report? ... (See Debt collection)

How to keep track of all those rewards points -- The idea of earning free stuff is so alluring that many consumers now have too many reward programs to keep tabs on ... (See Rewards points trackers)

Making a budget? Break down the 'Big 4' expenses first -- A debt-laden, recent business school graduate wants to trim some expenses to help pay his student loans. Our expert says the key is consider the four biggest areas of expense first ... (See Big 4 budget)

FTC: Fix 'broken' debt collection system -- The federal agency says the common ways consumers confront debt collection -- arbitration and litigation -- just don't work ... (See FTC: Debt collection 'broken')

Co-signing your kid's credit is great, unless it endangers your credit -- A mom is considering co-signing on a credit card for her 18-year-old daughter. Our expert says that while helping your family is noble, it's important to do so with great caution ... (See Co-signing credit for a child)

Small business credit cards stage a tentative comeback -- Small business owners, whose credit choices evaporated amid the recession and new regulations, have seen a modest return of credit cards aimed at them ... (See Business credit)

Pay off your balance each month? Your credit report may not show it -- A family's conscientious but high-charging ways could be bad for their credit scores. ... (See Credit scores and balances)

Study: Credit card annual fees most hated -- A recent survey reveals that of all the costs associated with credit cards, annual fees are the most despised. ... (more)

How to get a credit card if you have bad credit -- A tough economy has left many with bruised credit and lenders reluctant to issue loans. But you can still get a decent card. Here's how ... (See Bad credit credit cards)

Minimum payments won't dent high-interest debt -- When only making minimum payments on card balances with varying APRs, the higher-interest debt is only going to go up until you pay more than is required ... (See Credit card minimum payments)

Losing your job doesn't mean you have to file for bankruptcy -- A reader just lost her job and has $60,000 in credit card and student loan debt. She's considering going bankrupt, but our expert says that's not going to solve her problems ... (See Lost job and bankruptcy)

QA with 'Hot (Broke) Messes' author Nancy Trejos -- Author and Washington Post personal finance columnist Nancy Trejos shares how deep she was in debt and how she managed to climb out ... (See 'Hot (Broke) Messes')

Consumers paying more credit card bills on time -- Not since 2002 have Americans been so good about paying their credit card bills on time, according to recent loan delinquency numbers from the ABA. ... (See Credit card delinquencies)

Husband's card defaults don't need to weigh on wife's credit -- Although a husband's debt defaults show up on his wife's credit report, she should be able to clear those negative items ... (See Ex-spouse's credit default)

Financial reform opens access to free credit scores -- Financial reform rules now require lenders that turn you down or give you a higher rate to provide you access to a free credit score ... (See Free credit scores)

Financial role reversal: Adult children increasingly co-sign for parents' loans -- In a case of financial role reversal, more parents are turning to their children for loans due to the parents' rising debts, falling retirement funds ... (See Co-signing for parents)

International card theft targets U.S. consumers -- More than a million American consumer card accounts were compromised in an international card scam. ... (See Card theft)

Travel tips for countries where cash, not credit, dominates payments -- Going to a country where cash and coin, not plastic cards, must be used? These tips will help you minimize the risks that ATMs and carrying cash can bring ... (See Tips for traveling with cash)

How to evaluate structured settlement buyout offers -- Structured settlement buyout firms let you get cash quickly in exchange for giving up a stream of payments you got from a lawsuit settlement or accident claim. How do you know whether it's a fair payment? ... (See Structured settlement buyouts)

Taking on more credit won't hurt a good credit score -- A responsible borrower's good credit score won't be hurt -- and might even improve -- when taking on additional credit. ... (See How adding credit affects your score)

Transferring mom's balances to your cards? Not so fast -- Yes, you want to help, but if you allow a family member to transfer a balance to your credit card account, you are legally liable for that debt ... (See Credit cards)

QA: Avis Cardella writes on overcoming shopping addiction -- 'Memoirs of a Shopping Addict' author Avis Cardella describes how credit counseling helped her overcome 'Sex & the City' lifestyle ... (See Memoirs of a shopping addict)

A 'workout plan' to shed debt, build credit scores -- Just like an exercise plan helps you shed weight and build muscle, a credit plan can help you shed debt and build your scores ... (See Credit score workout plan)

Is bad credit bad for small business startups? -- Starting a business with bad credit won't be easy, but it's not impossible. Here are some ways to find funding without a top-notch credit score. ... (See Bad credit and startups)

How to find your credit card security code -- All credit cards have a card security code (CSC), card verification value (CVV or CV2), card verification code (CVC) or card code verification (CCV). Do you know where to find it? ... (See Credit card security code)

Free FICO scores exist, but aren't easy to come by -- Free credit scores do exist and are relatively easy to find, but the tricky part is getting the scores lenders actually use ... (See Free credit score)

Credit lessons from the soap operas: One Life to Live -- Part I: You only have 'One Life to Live,' so don't share money with an evil twin - you know, the one who's always spending your money ... (See Credit lessons from soap operas: 'One Life to Live')

Credit lessons from the soap operas: 'All My Children' -- Credit lessons from soap operas: All My Children. Experts say 'All My Children' don't have to know of my money problems -- if I face debt head-on ... (See Credit lessons from the soap operas: 'All My Children')

Credit lessons from the soap operas: 'Days of Our Lives' -- Part III: Days of Our Lives: Leave the brainwashing to Stefano -- no matter what the store says, their credit card may be no good for you ... (See Credit lessons from soap operas: 'Days of Our Lives')

Credit lessons from the soap operas: Days of Our Lives rerun -- Part IV: The Days of Our Lives shouldn't be filled with money troubles ... (See Credit lessons from the soap operas: Days of Our Lives rerun)

Credit lessons from the soap operas: General Hospital -- Part V: If you're financially honest with your mate, no need for a 'General Hospital' style paternity test; you'll always know who's the real parent of a debt ... (See Credit lessons from soap operas: 'General Hospital')

5 steps to dispute a debt that's not yours -- Identity mix-ups are common, but if you're being tagged for debt that is not yours, you need to fix the problem instead of ignoring it. ... (See Not my debt)

Ignoring delinquent debt can lead to wage garnishment -- The longer your debt goes unpaid, the more likely you'll be forced to pay through a court order to garnish your wages. ... (See Wage garnishment)

Dads can be better financial role models -- While many of us learn how to manage our finances from our parents, they're not always the best role models, according to a new survey. ... (See NFCC survey)

7 tips for using your yearly credit card summary as a budgeting tool -- Plastic gets a bad rap for destroying cardholders' personal finances. But increasingly, users and personal finance experts alike tout the annual year-end statements provided for free by card issuers as one of the most useful personal finance tools available ... (See Budgeting)

Premeditated card default for ailing father? -- A reader with a poor, ailing father wants to know if she'll be liable for racking up debt on his credit cards -- knowing full well he has no assets to pay ... (See Credit card default)

How to plan for, face a student loan debt disaster -- Deep in student debt and needing to borrow much more to graduate, a student looks ahead to try and plan a debt escape route ... (See A plan for student debt)

5 simple steps to a faster debt payoff -- A reader's credit card statement showed him what it would cost to pay off his debts in three years. He wants to do it sooner. Our expert tells him how ... (See Debt payoff)

QA with 'Paying With Plastic' author David Evans -- In this book author Q&A, 'Paying With Plastic' author David Evans argues we're going through two payment revolutions: paper to plastic, then plastic to "virtual" payments ... (See 'Paying with Plastic' by David Evans)

Feds cap credit card late fees at $25 -- The fee limit is among several new protections from Credit CARD Act that were finalized Tuesday ... (See Card fee caps set)

Deceased cardholder's debts can hurt authorized user's credit score -- When a credit cardholder passes away leaving unpaid debt, authorized account users can be left facing the credit score impact ... (See Authorized users, death and debt)

13 ways to beat bank fees -- Americans pay billions in bank fees every year, but you don't have to be one of the people forking over fees ... (See Beat bank fees)

4 rules to win at the credit card rewards game -- Charging all your purchases to pump up your rewards point total may be tempting … but is it worth the threat to your finances and your credit score? The answer may be yes, if you follow these four rules ... (See Credit card rewards)

6 ways to protect your credit cards when traveling -- Vacation should be about one thing: relaxing. If your credit cards are stolen, though, you'll spend more time fretting in your hotel room undoing fraud than lying on the beach sipping a drink decorated with a tiny umbrella ... (See Vacation credit card protection)

QA with finance guru Jean Chatzky -- Money and media powerhouse Jean Chatzky shares why so many people have trouble managing credit -- and how to become a master of plastic. ... (See Jean Chatzky)

Elderly father's Social Security income likely safe from garnishment -- A reader worries that her elderly father's Social Security income will be garnished to pay back a credit line from the bank. Our expert says she probably doesn't have to worry ... (See Social Security and garnishment)

Unpaid traffic citations can lower drivers' credit scores -- If you think you can ignore an out-of-state traffic ticket, it can hurt in an unexpected way: damage to your credit score ... (See Unpaid tickets hurt credit score)

Getting financially fit at 50 isn't too late -- A reader is 50 years old, has credit card debt and no savings. She wonders if she'll end up homeless someday. Our expert gives her some good news. ... (See Starting late on retirement saving)

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

Your credit card's Da Vinci Code: How the 'Luhn formula' evaluates credit card numbers -- Think of it as your card's Da Vinci Code: A little known, low-tech mathematical sleight-of-hand is used to see whether numbers on credit and debit cards are real or fake ... (See Luhn formula)

Not signing your credit cards has its hazards -- Contrary to popular myths, not signing your credit card or writing "See ID" in the signature place does not prevent identity theft. ... (See Credit card signature)

Don't fall prey to aggressive debt collection tactics -- Debt collectors know what buttons to push, so if you've never dealt with them before, you may agree to a repayment plan that you can't afford ... (See Debt collection tactics)

Fed: Credit companies admit profiling credit card users -- What you buy and where you buy it can sometimes be held against you by your credit card issuer, a Federal Reserve report to Congress Friday reveals ... (See Credit card profiling)

Saved by plastic: 5 true credit card rescue tales -- While not the primary purpose of plastic, your credit cards can be an invaluable lifeline in extreme situations. Here's how five cardholders used their cards to survive some serious jams ... (See Credit card rescue stories)

The problem with paperless credit card bills: It's easy to forget to pay -- Sure, going paperless is good for the Earth, but not so good for your credit score if you forget to pay your bills. So have backups, or automate ... (See Paperless bill pay tips)

4 things you must know about emergency credit card replacement -- Losing a credit card while traveling can be a disaster. The good news is that if you prepare in advance and take a few precautions while you're on the road, the damage will likely be minimal. ... (See Emergency card replacement)

Seven easy tricks to remember numbers, codes, passwords -- In today's digital society, everyone from your bank to your office to your parents in their new ZIP code, want you to memorize numbers and codes. Here's how ... (See Password tricks)

GAO report shows non-English speakers have it rougher financially -- A federal report chronicles how limited English proficiency also limits people's ability to get by in the complex financial world ... (See Financial literacy and English)

Nonactivated cards can still impact a credit score -- A credit card that hasn't been activated may represent a security threat, but in the calculation of your credit score, an inactive card account's existence -- or its closure -- isn't treated differently than any other credit card ... (See Inactive credit card)

What to do if your credit card is discontinued -- Since the credit crunch hit in 2007, card issuers have become swift to shed cards. While your discontinued card won't be turned away at the grocery store, you do have to react. ... (See Discontinued)

Be careful not to start the clock on time-barred debt -- A reader whose debt has run past the statute of limitations in her state wonders if she should still pay what she can. ... (See Old debt)

Wall Street reform bill taking shape for consumers -- Although there are still a few steps to go before the massive Wall Street Reform legislation becomes law, one thing is certain: Consumers will have a new watchdog agency looking out for their interests in credit card agreements, debt collection and debit card fees, to name a few. ... (See Wall Street bill and consumers)

What to expect when buying a car with bad credit -- The last sound you want to hear when you're rebuilding your credit is the clank of a dying car. What are your options? ... (See Bad credit car buying)

Paying off debt on a fixed income isn't easy -- When your debt is high and your income is fixed, the ability to pay off credit card debt can be challenging. Our expert offers some advice ... (See Fixed income debt options)

Your first budget in 3 easy steps -- Don't be scared of budgeting, it's really not very hard, says New Frugal You columnist Gary Foreman ... (See Your first budget)

Cell phone payment system options multiply -- The trend of paying by cell phone, slow to catch on in the U.S., is finally gaining traction with the big players showing interest ... (See Cell phone payment systems)

8 top reasons you overspend -- Buying with plastic, or in bulk -- or even the music you listen to can lead to overshopping, experts say ... (See Why we overshop)

Does credit card interest accrue after death? -- When a cardholder dies, a variety of factors come into play in determining how, when and if a balance and interest gets paid. ... (See Debt and death)

An elderly couple's options for dealing with debt -- Health issues and a limited income prevent an elderly couple from paying a big outstanding debt. Our expert offers some options ... (See Debt payment options)

Credit card charge-backs can land consumers on blacklist -- A customer database servicing retailers is blacklisting consumers seeking charge-backs for credit card purchases. ... (See Blacklist)

Congratulations, graduate! Now, do you have a post-graduation debt plan? -- Graduating from college this spring? You're probably taking more with you than your diplomas and a futon. The class of 2010 has debt, and a lot of it ... (See Graduate from student debt)

The price of paying off the debt you hate most -- Sometimes paying off the most hated debt first -- even when it's not costing as much as other obligations -- can bring much needed emotional relief ... (See Debt you hate)

Managing high costs of adoption and fertility treatments -- Parents who create their families through fertility treatments or adoption can face staggering bills before their children even arrive. ... (See Baby financing)

Only credit card payments over the minimum go to high APR balances -- If you are only paying the minimum payment for a card with multiple APR balances, then the new law doesn't cover how the issuer applies that payment ... (See CARD Act)

9 best practices for debit card use -- Debit cards don't let you rack up debt, but they can still lead to trouble if not used wisely. Here are tips from the experts. ... (See Debit cards)

Teaching kids good money habits by example -- You can tell your children whatever you want about money, but what they see you doing with it will make a lasting impression ... (See Money habits)

How to rent a home if you have bad credit: In recession, landlords become flexible -- Your landlord might not care about your bad credit as much as you think. With the recession and high vacancy rates, these steps can help you persuade the manager to overlook your score and let you rent ... (See Renting with bad credit)

QA: 'Your Money Ratios' author Charles Farrell -- How can you tell at your age if your financial ship is headed toward open water or veering toward the rocks? Ratios, says 'Retirement Roadmap' columnist Charles Farrell ... (See Q&A with Charles Farrell)

Plastic love: How to protect your credit while online dating -- Use online dating services? Your credit and other financial interests may be at risk if you don't guard yourself from those falsely fishing for companionship. Here's how to protect more than just your heart when seeking a mate via the Internet ... (See Online dating)

Comparing desperate options: bankruptcy vs. debt negotiation -- With savings spent, deep in debt and jobless, a reader's choices are all unpleasant. Go in with eyes open ... (See Desperate money choices)

Bankruptcy protects against wage garnishment -- A reader who filed bankruptcy is contacted by an old creditor who threatens wage garnishment. Does she have to pay the debt or not? ... (See Wage garnishment)

Shredded bliss: 5 steps to choosing the perfect paper shredder -- Protect yourself from identity thieves with these five steps to paper shredder perfection. ... (See Paper shredders)

Visa tackles deceptive online 'data pass' marketing -- In an effort to tone down aggressive sales tactics used by some Internet-based businesses, Visa announced it will require its merchants to more actively warn their customers of external offers made during online transactions ... (more)

Monthly credit card statements get remake: An interactive look at your new credit card bill -- Use this interactive guide to see how new regulations in the Credit CARD Act have changed the look of your monthly credit card statement ... (See Card statements' new look)

Authorized users aren't liable for card debt -- Collectors trying to collect outstanding card debt from an authorized user are barking up the wrong tree. Here's what to do. ... (See Authorized user)

There's no easy fix when you're maxed out on credit -- If you're young and already maxed out on credit, it's time to buckle down, pay it off and clear the path for a less stressful future ... (See Maxed out credit cards)

5 questions to ask before getting a credit card with an annual fee -- More credit card issuers are adding or increasing annual fees, but there are still plenty of no-fee options. Before you get a new card with an annual fee, make sure the benefits are worth the costs ... (See Annual fee questions to ask)

Spotlight falls on political parties' use (and misuse) of credit cards -- Party-issued credit cards give politicians and operatives direct access to political funds. But such access can cause problems ... (See Party cards)

Which of the 4 types of debt-help companies is right for you? -- Deep in debt but not ready for bankruptcy? Consider these types of companies, but beware: credit help comes in many forms, and not all of them are good for you ... (See Debt help)

Chalk one up for the credit card bank lobbyists! -- The CARD Act requires monies paid only ABOVE the minimum payment to be applied to higher interest rate balances ... (See CARD Act)

Too many credit cards increases liabilities -- If you have more cards than you can keep track of, then it's time to close some accounts ... (See Too many credit cards)

How you play poker reveals a lot about your financial personality -- Do you sneak multiple peeks at your cards or stick with your gut and keep them on the table? How you play your cards says a lot about your finances ... (See Poker and finances)

Bankruptcies resume climbing, aided by tax refunds -- Bankruptcy filings rose 17 percent over a year ago; once-available cushions of credit and home equity have vanished ... (See Bankruptcies rising)

Credit score suffers from being caught in 'balance chasing' loop -- "Balance chasing" by banks can leave borrowers with lower credit limits and credit scores ... (See Credit score)

Credit card interest rate relief applies to joint accounts for military couples -- If credit card accounts are held jointly by military spouses, then they qualify for interest rate relief under the Servicemembers Civil Relief Act ... (See Active duty credit)

Travelers checks decline in use: Most leave home without them -- Once you wouldn't leave home without travelers checks. Now they're fading from use ... (See Travelers checks)

Collectors can try, but can't legally collect a minor's debts -- Handle with care demands for payment on old, forgotten amounts, and don't pay what you don't owe out of fear or ignorance ... (See Old debt)

Credit card balances free fall in February -- Americans resumed their efforts to trim card balances last month according to newly released Fed data ... (See G.19)

Meet those who seek a perfect credit score -- and learn how they achieved FICO perfection -- We introduce you to credit score superstars -- and learn why and how they keep those precious three digits so high ... (See Credit score)

Late credit card payments don't justify rate hikes anymore -- With the passage of the Credit CARD Act, if you're a little late with a payment, you're protected against an instant interest rate hike. ... (See Rate hike)

How a widow should handle collection calls on late husband's 'debt' -- More than four years after her husband died, a widow begins receiving collection calls on debt that may be the result of identity theft ... (See Collection calls)

Avoiding new rules, 'free' credit report sites switch to offering 'free' scores -- On the eve of new rules sharply restricting offers of 'free' credit reports, companies switch to offering 'free' credit scores ... (See Free credit report)

How the Credit CARD Act will affect types of credit cards -- The Credit CARD Act has pushed card issuers to make big changes -- and some types of credit cards will be impacted more than others. We look at each type. ... (See Card law impact)

8 games that clarify credit for kids -- Kids learn best from experience, which is why financial games aimed at teaching fiscal responsibility can make a boring topic fun. ... (See Play debt)

If you miss your credit card's opt out notice, you pay the price -- If you missed your credit card issuer's notice of an interest rate hike and didn't opt out in time, you're left with three choices. ... (See Opt out)

Beware of phone calls offering credit card relief -- New telephone scams are targeting consumers with promises of lowering credit card interest rates, fixing damaged credit reports. ... (See Beware)

What types of income are protected from wage garnishment? -- Typically, retirement and disability income are exempt from being tapped for the repayment of unpaid debt. ... (See Protected.)

QA with Manisha Thakor, author of personal finance book 'Get Financially Naked' -- 'Get Financially Naked' with your honey -- or face big money woes, book author says. ... (See Naked)

10 financial spring cleaning tips -- Taking these 10 steps will help you to renew, review, refresh and regrow your finances. ... (See Financial spring cleaning)

Want to boost your credit? Co-signing with parent still an option -- Young people looking for a credit boost can still co-sign with their parents, even with the passage of the Credit CARD Act. In fact, if the young adult doesn't have his own source of income, it might be his only choice. ... (See Credit)

Gift card rules mean fewer fees, more time to use cards -- Concerned that your old gift cards may become little more than worthless plastic before you get the chance to use them? Exhale. That's much less likely than it used to be. ... (See Gift card rules)

Credit card law compels speedy estate settlement for debt after death -- A little-noticed provision of the Credit CARD Act of 2009 makes it easier for the estate's administrator to settle the account in a timely fashion. ... (See Death)

Senate committee passes reform including consumer financial agency -- A wide-ranging Wall Street reform bill that passed a key Senate committee Monday includes a consumer financial protection bureau under the Federal Reserve. ... (more)

How to pay off $11,000 in card debt in three years -- A reader wants to pay off $11,000 in debt on four credit cards in less than three years. Our experts shows him several strategies to help him reach his goal. ... (See Strategy)

Penelope Trunk's ode to credit cards for starting up a business -- Contrarian advice from writer and serial entrepreneur Penelope Trunk, who says credit cards, for all their pitfalls, can be an entrepreneur's best friend. ... (See Startup)

10 places NOT to use your debit card -- They may look just like credit cards, but debit cards have different protections and uses. Sometimes they're not the best choice. ... (See Debit)

What records to keep and how long to keep them -- Keep too little paper and you'll be stammering at the IRS agent at audit time. Too much and paper can take over your house. How much is just right? ... (See Keep or discard?)

New card statements may elicit fear, anxiety about debt -- New information-packed credit card statements could increase your anxiety. Find out why that's a good thing. ... (See CARD Act)

Credit card charges made by children are invalid -- When minors use your credit card without your knowledge, the law protects them -- and you -- from having to pay for their mistakes. ... (See Minors)

From credit card disaster to card master: 7 tips from the debt reformed -- Repaying big card balances is hard enough, but remaining debt-free is even more so. Learn how seven credit card 'disasters' turned into credit card masters. ... (See Reformed)

Credit card issuers' financial cell phone apps -- Back when, your cell phone was just for talking on the go. Now, mobile banking applications let you manage your finances, and include tools for credit cardholders. ... (See App)

Consumers shying away from credit cards when shopping online -- The poor economy and consumers' growing aversion to carrying large credit card balances may be why more alternative forms of payment are being used for online purchases. ... (See Shop online)

Forgiven debt resurfaces at tax time -- The IRS is one creditor you cannot ignore. If you receive a 1099-C in the mail for forgiven debt, you have to declare it as income. ... (See IRS)

Fed proposes rules to limit credit card fees -- Credit card fees would have to be 'reasonable' and 'proportional' to the offense under new rules proposed by the Federal Reserve. ... (See Fees)

White House online town hall credit card reform transcript -- This transcript chronicles the conversation between administration officials and CreditCards.com readers on Feb. 22, 2010, the day a federal credit card reform law took effect. ... (more)

Chart: Compare credit cards' rental car insurance policies -- It's no longer wise to automatically refuse extra coverage at rental counter. This chart will help you compare policies among major card companies. ... (See Chart)

Don't always refuse rental car insurance coverage; credit card protections become iffy -- It used to be a no-brainer -- credit card holders refused costly additional insurance policies offered by car rental agencies. Now it's not: The rental agencies charge new fees and the card issuers' policies aren't uniform or universal. ... (See Car rental insurance)

CARD Act prevents sudden rate hikes, not annual fees -- As issuers struggle to recoup lost fee revenue, many are instituting annual fees on their credit cards. The good news is that your APR is protected. ... (See Fees)

Protecting the elderly from credit card collections -- Credit cards and their associated terms and conditions can get very confusing for the elderly who also suffer from dementia. Here's what you can do to help. ... (See Dementia)

How social networking can help credit card debtors -- While social networking groups are virtual, the results from participating in online debt relief support groups are real. ... (See Relief)

White House answers credit card questions -- Austan Goolsbee, an economist and White House credit card expert, answered consumer questions about the new credit card reform law during a live town hall webcast on CreditCards.com. ... (See Town hall)

You can be sued for nonpayment of credit card debt -- The road of not paying your credit card accounts is not a pretty one. Expect late fees, higher APRs and, eventually, collections. ... (See Debt)

New credit card era begins with latest CARD Act provisions -- It's a new day for credit cards. As of Feb. 22, new consumer protections within the Credit CARD Act of 2009 take effect. ... (See Era)

Cost of bad-credit credit cards rising due to reform law -- The passage of federal credit card reform means big changes for those with bad credit. Subprime credit will be available, but expensive and harder to find. ... (See Subprime)

Tips for rebuilding your credit after divorce -- A disabled domestic violence survivor and divorcee not only needs to rebuild her life, but also her credit. ... (See Rebuild)

What's NOT covered by the credit card reform law -- The sweeping credit card reform act's regulations omit several types of cards and many practices consumer groups find objectionable. ... (See Untouched)

Once secret credit card-college marketing deals to be revealed -- The credit card reform law requires disclosure of the highly lucrative agreements under which colleges were paid to let card issuers market their wares to students, alumni. ... (See Deals)

Era of readily available credit cards for young adults ends -- Students, once coveted by card issuers, now have fewer choices for obtaining credit. ... (See Era)

White House to answer consumer questions about Credit CARD Act -- The White House will answer Americans' questions about the new credit card reform law during a live online town hall at 2 p.m. EST Feb. 22. ... (more)

1 in 10 Americans has given up or had taken away credit cards in past 8 months -- A CreditCards.com poll shows that consumers' newfound frugality and card issuers' punitive actions have caused a mass migration away from credit cards. ... (See Give up)

When even the minimum payment on your credit card is too much -- When making your credit card's minimum payment becomes impossible, you have options. One of those options does NOT include paying less than the minimum. ... (See Too much)

5 dumbest money moves that love makes you do -- They can seem oh-so-right at the time, but these five financial blunders linger long after your other is no longer significant. ... (See Oops)

Tuning into your finances: How music impacts your money -- There's no denying music can rev up a workout routine, but did you know that music can have a significant impact on your finances, too? ... (See Tunes)

Major subprime marketer, CompuCredit, leaves credit card marketing business -- Subprime lender CompuCredit says it no longer markets its 'fee-harvesting' cards, which drew criticism from consumers, fines from regulators and soon will be outlawed. ... (See Fees)

Interest rates mostly steady as credit card reform nears -- Interest rates on new credit card offers were little changed this week, according to the CreditCards.com Weekly Credit Card Rate Report, as the countdown continued toward implementation of major credit card industry reforms. ... (See Rate report)

Young adults slow to spot ID theft, survey shows -- The latest identity theft poll from Javelin Strategy & Research shows that despite their Web savvy, so-called millenials -- young adults between 18 and 24 -- take longer than other age groups to identity and resolves instances of ID fraud. ... (See Fraud)

Poll: On eve of credit card reform, few understand what new law holds -- Significant numbers of consumers are unaware of the most important elements of the new package of credit card rules. Worse, many have erroneous assumptions about what the new rules do address. ... (more)

Credit card revenge spending: When love goes wrong, the hurt go shopping -- Getting burned by the one you love can inspire the desire to get back by charging up credit accounts. The ultimate cost, however, may be borne by you. ... (See Burned)

7 ways to protect against being a victim of credit card revenge -- Just suffered a break-up from a revenge-seeking ex? Here's how to make sure your credit is safe. ... (See Revenge)

7 simple ways to create an emergency savings fund -- You may feel stranded without a credit card, but the sooner you come up with an emergency cash fund, the less reliant you'll be on plastic ... (See Cash)

Poll: Americans grumpy after parking their plastic over the holiday -- The holiday shopping season was a grumpy affair for many Americans who were struggling to downsize their credit card debt ... (See Poll)

Spiderlabs Study: Hotels a hot spot for credit card fraud -- Hackers looking to steal card data checked into the hospitality industry more than any other -- even more than financial service companies -- according to a study by Trustwave's SpiderLabs, an information security company. ... (more)

Negotiating down card debt and your credit score -- You can ask a card company not to report your debt settlement to the credit bureaus, but there's no guarantee that it will comply. ... (See Score)

5 smart moves to make before the new credit card law takes effect -- For some, swift action is called for to lock in a deal before the law's provisions kick in Feb. 22. For others, the best move is to wait. ... (See 5 smart moves)

Charitable charging under scrutiny -- While many card companies waived transaction fees for Haiti donations, some are considering waiving fees on charitable giving permanently. ... (See Haiti)

Feds plug loophole in credit card law that prevented rates from instantly falling -- The Federal Reserve fixed a problem in the wording of the Credit CARD Act that would have made consumers wait 45 days if they wanted reduced interest rates. ... (more)

Choose a credit card that matches your life stage -- Your finances change as you march through stages of life; shouldn't your credit card choice change, too? ... (See Life)

6 common money mistakes women make -- After more than two years writing for CreditCards.com, "To Her Credit" columnist Sally Herigstad recaps the most frequent financial errors women make ... (See Mistakes)

Lee Eisenberg, author of 'Shoptimism' on why we shop -- Cheer up, says Lee Eisenberg, author of 'Shoptimism,' a new book on why we shop. Americans are going to shop our way back to prosperity just as we have for centuries. ... (See Shopping)

How and when to use 'emergency' credit cards -- It's the end of the month, you're down to your last dollar before payday and your car breaks down. What do you do? Do you pull out the plastic? ... (See Emergency)

Your options when paying the minimum isn't possible -- When living from paycheck to paycheck, any disruption in income can have immediate effects on your financial situation, including not being able to pay the minimum on your cards. ... (See Help)

Looking to disappear? Deleting your credit history is far from easy -- Erasing your existing credit report is nearly impossible, although you can try to delete parts of your borrowing history. ... (See Erase)

Credit card reform arrives in the form of the Credit CARD Act -- The most sweeping credit card changes ever are being imposed on credit card issuers, which in the course of complying, are making dramatic changes in consumers' credit card accounts -- not all of them welcome ... (See Credit card reform law goes in effect)

Credit CARD Act of 2009 article archives -- All the CreditCards.com coverage of the credit card reform law ... (more)

Take steps to prevent bipolar card splurges -- One of the symptoms of bipolar disorder can be overspending. To prevent rampant shopping, there are obstacles you can set up to derail your urge to splurge. ... (See Bipolar)

Applying for a credit card after Feb. 22? Issuers will be checking income -- Starting Feb. 22, credit card issuers will do financial checkups on potential customers and anyone getting increased credit limits. ... (See Worthy?)

What credit card reform will mean to consumers -- It's becoming clear the new law will have pluses and minuses to consumers. While the most unfair or deceptive practices are banned, card issuers have been quick to create new ways to maintain their profits ... (See Credit card act's consumer impact)

How the Credit CARD Act affects gift cards -- Americans -- and retailers -- have grown to love the convenience of gift cards. Their terms have not always been consumer-friendly, though, and the law takes aim at some of them. ... (more)

How credit card reform impacts young adults under 21 -- Card issuers won't be able to pounce on young adults any longer with offers of freebies for a credit card application. There's a trade-off, though -- young adults will see their access to credit sharply curtailed. ... (more)

New credit card fee: Pay $1 to get your own monthly billing statement -- Pay a buck to get a bill sent to you? That's what users of credit cards from Ann Taylor, Victoria's Secret, Beall's and some 90 other retailers will have do. ... (See $1)

5 tactics of bad debt collectors -- and what you can do about them -- The recession has put debt collectors under added pressure, too. Some are reacting by cutting legal corners. ... (See 5 collection tactics)

After medical bills lead to wage garnishment, consider bankruptcy -- When a wage garnishment cuts your living expenses substantially, prioritize what's left, buy time and consider bankruptcy. ... (See Wage)

Resist racking up debt to get back at cheating spouse -- You think hitting where it hurts -- his wallet -- will satisfy your hurt? Don't go there as you may end up paying dearly for your revenge. ... (See Revenge)

Haiti disaster brings out charity scams -- Disasters ignite donations from generous Americans, but it also brings scammers out from under their rocks. How to tell legitimate charities from the con artists. ... (See Scams)

Fed issues final Credit CARD Act rules -- The Federal Reserve issued final rules implementing the second phase of the credit card reform law. They are the most significant changes in credit card laws in decades. ... (more)

New arrivals to U.S. need to rebuild credit history -- Credit history from a foreign country won't follow you to the United States, although existing financial relationships can help you begin to build a U.S. credit history. ... (See Rebuild)

Debtor determined to become debt-free in 2010 -- A reader wants to start the new year with a sound financial plan to rid himself of debt and clean up his credit report. To do that will require commitment and a plan. ... (See 2010)

Compare debt-free plastic payment options: debit, charge cards -- Charge cards and debit cards can help you manage cashflow and stay out of debt, but they each come with a risk. Here's how to make them work for you. ... (See Budget tools)

Fed report: Credit card balances plummet by nearly $14 billion -- Americans dumped a record $14 billion in credit card debt in November, according to Federal Reserve data, and experts say the debt shedding won't end anytime soon. ... (See G.19)

Daughter's card abuse hurts mom as authorized user -- A mom wants to be removed as an authorized user from her daughter's delinquent credit card account. Luckily, it's not that hard. ... (See Help)

Tales from the credit crypt: Credit counselors' crazy debt client stories -- Think you can astonish a credit counselor with your $20,000 credit card debt? Not a chance. Here are some stories from the trenches. ... (See Debt tales)

Bankruptcies soared 32% in 2009 -- A 'perfect storm' of unemployment and plunging house values sends filings up to highest level since a 2005 reform law went into effect. ... (See Bankruptcy)

Cleaning up holiday credit card mess -- The fun's over. Come January, that holiday joy turns into debt regret. It's important to shed this debt quickly, and to learn how to prevent the same troubles next year. ... (See Mess)

A consumer's guide to reading junk mail -- You may think you're already a pro at sorting out junk mail, but today, with the stakes higher, the rules changing and some bills arriving in disguise, you may need a refresher on recycling, a crash course on trash. ... (See Junk mail)

Cardholders' mistakes can bring down authorized users' credit score -- When you're an authorized user on someone else's credit card account, you pay the price for other's credit mistakes. Luckily, you can take steps to minimize the damage. ... (See Piggybacking)

How to resolve a bogus medical bill -- There are steps to take to prevent a bogus medical bill from appearing on your credit report and to deal with it once it shows up. ... (See Bogus)

Don't hide debt problems from collectors, friends or family -- Secrecy about financial troubles only makes them worse. Being more open and building a support system can help you get through the tough times. ... (See Honest)

Personal finance predictions for 2010: Your credit card -- Expect dramatic change in an industry roiled by recession, reform. Whether the net is good for consumers is unclear. ... (more)

Personal finance predictions for 2010: consumer spending -- In experts' views, the worst of the recession is behind us. But so, too, is America's nonchalance toward spending willy-nilly. ... (See Predictions)

Personal finance predictions for 2010: Your debit card -- As credit cards continue to retreat, debit cards will evolve, advance ... (more)

Personal finance predictions for 2010: Rewards cards -- For years, card companies footed the bill for these expensive programs. In 2010, rewards will go on a diet of fees and frugality. ... (more)

Personal finance predictions for 2010: Phones become payment tools -- We may look back on 2010 as the year our cell phone became a pay phone. ... (more)

Personal finance predictions for 2010: Your paycheck -- One day, perhaps this year, your paycheck may disappear -- replaced by a prepaid card. ... (See Predictions)

Personal finance predictions for 2010: Housing's comeback -- Delinquencies predicted to level off, finally ending the bleeding that took us into a steep recession. ... (more)

Personal finance predictions for 2010: Your mail -- Credit card offers fell precipitously in the recession, but experts see a renewed flow in 2010. ... (See Predictions)

Personal finance predictions for 2010: ID theft -- Like wolves to injured prey, identity thieves are out to turn the recession struggles of average Americans to their own advantage. ... (more)

Personal finance predictions for 2010: Your kids -- The CARD Act crackdown on campus card promotions will likely have a chilling effect on how young adults obtain credit. ... (See Predictions)

New Year's personal finance predictions for 2010 -- You'll change the ways you and your family will spend, borrow and save, experts predict. ... (See 2010)

Credit card rates dip again, but more hikes likely coming soon -- Interest rates on new credit card offers declined slightly this week, although experts say that dip doesn't mean cardholders should expect borrowing on plastic to get cheaper anytime soon. ... (See Rate report)

More credit card issuers ditch mandatory binding arbitration -- With legal pressure rising against the often-criticized way to resolve disputes, card issuers are abandoning compulsory arbitration and recasting their agreements with consumers. ... (See Arbitration)

Sorry, you can't opt out of a credit card rate increase from promotional rate -- Promotional (teaser) APRs are temporary and that was disclosed when you got the credit card, so you can't opt out of the new, higher rate. ... (See Teaser rate)

Hold collectors at bay by keeping accounts current -- When faced with multiple bills, it's better to pay a little on all of them rather than paying down one bill first and making the others wait. ... (See Debt)

Instant in-store credit card offers in jeopardy -- Retailers say instant credit card offers won't be possible if consumers have to provide paycheck stubs or other income information at the cash register. ... (See Instant cards)

Tough choice: credit card debt vs. down payment on a car loan -- Yes, you can raise your credit score by paying down card debt, but you don't want to get upside down on a car loan in the meantime. ... (See Cash)

Issuer of 79.9% interest rate credit card defends its product -- Subprime credit card marketers are looking for ways around new restrictions on sky-high fees for bad credit cards. One option they're testing: sky-high interest rates. ... (See 79.9 percent)

Adult son racks up $20,000 on mom's cards -- When an adult child abuses a parent's trust and charges more than $20,000 on joint cards, it's time to get tough and start selling his stuff. ... (See $20,000)

Credit card interest rates keep climbing higher -- Interest rates on new credit card offers climbed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks continue to charge cardholders more to carry a balance. ... (more)

Co-signed credit cards: Unloved option poised for comeback? -- Experts say they're a headache, issuers rarely offer it, yet the co-signed credit card may be making a comeback as a more-regulated industry searches for its lost profits. ... (See Comeback)

'No payment, no interest' credit card deal? No way -- Make no mistake: If you've got a credit card with a balance, you've got a minimum payment to make each month. If you don't make it, you're asking for trouble. ... (See Minimums)

Creative new fees escape CARD Act rules, surprise consumers -- The Credit CARD Act of 2009 puts the lid on some longtime charges levied against cardholders, but a new report shows that a crop of fees are quietly taking their place. ... (See Report)

8 tricks to not rack up card debt during the holidays -- Here are some tactics you can use to enjoy the holiday season without racking up a lot of credit card debt. ... (See Debt)

U.S. House approves credit card watchdog agency -- The U.S. House approved sweeping new reforms that include creating a watchdog agency to safeguard consumers from abuses and deception in credit cards, mortgages and other financial products. ... (See Protection)

8 ways to stay debt-free during the holidays -- You have been good all year: You've budgeted fanatically, spent judiciously, whittled down debt ... and now the holidays are here. How do you resist the plastic? ... (See Holidays)

The mystery of multiple opt outs explained -- Your rate's jacked, so you opt out and continue to pay off your balance at the old APR. But then your rate increases again. What gives? ... (See Opt-out)

Credit card interest rates keep moving higher -- Credit card interest rates jumped slightly again this week, as banks continued to make it more and more costly for consumers to use their plastic. ... (See Rate report)

Tori Spelling, Ed McMahon, Kim Kardashian, Courtney Love: Celebrity credit card lessons -- If we had the kind of money celebrities had, we'd do a better job managing our credit card debt, right? Judging by these celebrity credit card stories, maybe not. ... (See Lessons)

Author David Bach talks plastic strategies -- The Oprah-approved financial guru and author rings in 2010 with "Start Over, Finish Rich, " offering 10 steps to get you back on track in the coming year. ... (See Bach)

A desperate debtor's option: hardship programs -- Your debt's sky high and even meeting the minimum payment is out of reach. Here's hope: Some card issuers will allow you to enter into a hardship program to help you meet your obligations, but on more reasonable terms ... (See Hardship)

Personal loans offer less risky alternative to credit cards -- Think of a personal loan as a credit card's more-stable, less-popular cousin -- it's just as pricey, but its terms tend to be fixed. ... (See Personal loans)

Credit card interest rates unchanged after holiday -- Credit card issuers took a holiday from raising interest rates this week, as experts began to see signs that consumers' access to credit may be starting to ease. ... (See Rate Report)

Poll: Two of five parents giving adult children bailouts on debts -- Nearly 42 percent of people with adult children say they have paid off debts for their offspring at some point, according to a new CreditCards.com scientific poll. ... (See Bailout)

Frugality: Just a fad? Or will consumers keep saving after the recession? -- The tanking economy brought us recession chic. It became cool to clip coupons, throw potlucks and swap used items, but how long will it last? ... (See Spendthrifts)

Forecasters weigh in on new frugality -- Is the new frugality here to stay? Two economic forecasters debate whether American consumers will continue to cut corners or return to big spending. ... (See Frugal)

When your credit's still married and you're not -- Jointly held credit card accounts can still haunt you years after you divorce. Make sure your ex is off and stays off your credit report. ... (See Divorce)

How to escape the credit card fee cycle -- Once you miss a payment or pay less than the minimum, you're setting yourself up for a never-ending spiral into the credit card fee abyss. ... (See Fees)

BofA rate hikes push national average credit card APR higher -- Annual percentage rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, as Bank of America increased rates on two of its cards. ... (See Rate report)

5 key federal laws help protect credit cardholders -- There are many federal laws that are in a credit cardholder's corner, and it's important that prospective and current cardholders are knowledgeable about their legal rights. Here are the top five laws covering consumer credit that you need to know. ... (See Laws)

How going to jail impacts your credit -- Having zero-balance credit cards go unused during an 18-month prison sentence shouldn't cause a cardholder's credit to suffer -- unless the issuer decides to close the idle account. ... (See Jail)

Explore all options before declaring bankruptcy -- You may think bankruptcy will solve all your debt problems, but it also creates a whole new, lasting set of issues that will take a long time to recover from. ... (See Bankruptcy)

Credit card APRs fall sharply, but you shouldn't get too excited -- Annual percentage rates on new credit card offers fell sharply this week, according to the CreditCards.com Weekly Credit Card Rate Report, but don't expect your APR to drop, too. ... (See Rate report)

Worst case co-signarios: How do you escape credit card co-sign contracts? -- Despite experts' advice, you did it anyway: You co-signed a for a loan or credit card. Now that you've wised up, can you escape? Maybe. ... (See Don't)

4 questions to ask before you co-sign on a credit card, other loan -- Explore alternatives and find out what you're in for with these questions for anyone who asks you to be a co-signer on a credit car or other loan. ... (more)

In default on car loan: What to do? -- If you are in default on a car loan, but want to make amends, it might help to sit down with the lender and discuss possible payment options. ... (See Default)

Help! My husband's debt is ruining our credit -- Before marriage, her credit was great. Now, her husband's debts are making their lives unmanageable. Is there hope? ... (See Married)

FICO reveals how common credit mistakes affect scores -- For the first time, the credit scoring firm discloses how many points a score will fall due to late payments or other errors. ... (See FICO score)

Credit card rates' ascent shows no sign of slowing -- It just keeps getting more and more expensive to be a credit cardholder -- and analysts say there's little change in sight. ... (more)

Money and credit lessons learned from TV -- Whether they're frugal or free-spending, our favorite and classic TV characters are fountains of financial advice. ... (See Lessons)

How many credit cards do you need? There's no perfect answer -- There's no single, easy answer for how many credit cards someone should have. After all, It's not the number of cards you have, it's what you do with them that matters the most ... (See How many credit cards?)

How to pay $12,000 in credit card debt quickly -- When it comes to paying off card debt, it's important to remember that there's no quick fix. Determination and patience will do the trick. ... (See Pay off)

There's a cost to paying less than you owe -- Before you jump at the chance to pay less than what you owe, think about what settling your debt will end up costing you. ... (See Costly)

Credit card issuers: Sorry, new law says we can't cut your rates quickly -- Credit card issuers turn on its head the reform law that bans sudden rate increases; they say that it also forbids quick rate cuts. ... (See No rate cut for you)

Rates steady this week, but banks keep tweaking other terms -- Banks may have left rates unchanged this week, but they nevertheless made some changes behind the scenes that could impact cardholders' pocketbooks ... (See Rate report)

Credit cardholders 'Discover' new terms in fine print -- Discover is the first of the major credit card issuers to give cardholders details of new terms under credit card law provisions ... (See Compliance)

Living off credit cards alone for a year is a terrible idea -- Credit cards were never meant to be used to replace income over a long period of time, and using them that way can bring big trouble. ... (See Debt)

Rise in delinquencies signals prolonged credit card woes -- Though charge-offs decreased during September, the credit card industry braces for an increase in noncollectable debt as delinquencies rise. ... (See Woes)

5 credit card opt-out oopses to avoid -- Even if you’ve opted out of a credit card interest rate increase, these costly mishaps can trigger an unwanted rate hike. ... (See Oops!)

Convenience (checks) comes at a price -- When it comes to convenience checks, your best bet is to proceed carefully. The fees and interest on convenience checks can quickly escalate, and they can be potential targets for identity thieves. ... (See Costly)

Debt can slow down retirement goals -- Debt happens. But how you handle it depends on whether you take charge of it or you allow it to take charge of you. ... (See Budget)

Don't blow first-time home buyer tax credit with credit card bills -- Running up credit card bills before closing can jeopardize that $8,000 tax break you were hoping would make you a first-time home buyer. ... (See Sprees)

When the no-interest, same-as-cash deal clock runs out -- If you aren't diligent about paying off a balance during the a no-interest period, you face the high-interest gauntlet. Here's what you can do. ... (See Interest-free period)

Credit card video: How to pick the right credit counseling agency -- Erica Sandberg, columnist for CreditCards.com, explains what to expect when you visit a credit counseling agency. She also describes what you should look for in a credit counselor and how to find one that is right for you. ... (See Video)

Avoid headaches with this 5-step plan for traveling with credit cards -- Most people don't consider their credit cards when they're traveling overseas. That's a mistake. These 5 steps will get you and your cards abroad and back safely. ... (See Travel)

How credit card interest charges accrue on a daily basis -- With daily periodic interest charges adding to your credit card balances, the odds of making a dent in your debt by paying just the minimum is minimal. ... (See Interest)

Health care cards carry same credit risks -- Sure, you can charge that MRI, but be warned: health care credit cards are the same -- or worse -- than regular credit cards. ... (See Health)

6 ways to prevent bank overdraft fees -- Banks and credit unions collected nearly $24 billion in overdraft fees last year. Find out how you can help keep some of that money in your pocket. ... (See Overdraft tips)

House committee: Move up credit card law -- A key U.S. House committee voted to move up implementation of interest rate restrictions in the Credit CARD Act by nearly three months to Dec. 1, 2009, to fast-track consumer protections. ... (See Reform)

Low credit score? Good luck getting a new credit card, study says -- Consumers receive far fewer credit cards than a year ago; those approved for cards have better credit scores, says a study by credit bureau Equifax. ... (See credit trends)

Jon and Kate's 8 plus-size money mistakes -- The paparazzi-pursued loco parental units of reality TV, the Gosselins, set an example, say money experts -- of what NOT to do financially. ... (See Plus-size mistakes)

Don't let delinquent debt keep you from getting a mortgage -- Getting serious about buying a house someday? Those delinquent debts have got to go or your dreams of home ownership may remain just that -- a dream. ... (See Home)

10 flu-fighting credit card tips -- Cards can carry germs, but with these precautions, you can be an inhospitable host for flu and other bugs. ... (See 10 tips)

Getting an iPhone, other fancy cell phone? Mind that other number: your credit score -- If you want to get the latest iPhone or other fancy cell phone, you may find your credit score is a key number. A bad one turns your phone into an expensive connection. ... (See Dialing dollars)

What to do when debt triples your income -- When your debt load is more than triple your income, it's time to seek a solution. Debt counseling, debt settlement and possible bankruptcy can set you free. ... (See Debt and disability)

Credit card video: How to avoid arguments when sharing credit -- Personal finance columnist Erica Sandberg discusses why there are problems when it comes to sharing credit. She also gives solutions for couples having problems and tips on what to discuss so you can avoid any arguments. ... (See Video)

How bad are your credit card mistakes? -- All mistakes with your credit are bad, but not all are equally bad. Grade yours on this 10-point scale. ... (See Mistakes)

Guru goofs: 7 personal finance experts confess biggest mistakes -- Famous financial experts divulge details about past bankruptcies, overdrafts and budgeting gone wrong. ... (See Mistakes)

Under new management: Your credit card -- As more Americans resort to plastic to survive, major banks are shedding their credit card portfolios. What happens when your issuer dumps your credit card? ... (See Dumped)

Mystery debt: A collector's goof becomes your recurring problem -- Prepare for a hassle if a collection mistake has your name on it -- phone calls and certified letters are in your future. ... (See Goof)

Debt collectors must prove the debt is yours -- A reader is being harassed for debt that she doesn't think is hers. Take these steps to take to prevent debt collection abuse. ... (See Proof)

Paying off a child's debt involves money and emotions, dollars and sense -- Paying off a child's debt is a lot more than writing a check. It involves money and emotions, dollars and sense. ... (See Strain)

BofA pledges moratorium on credit card interest rate hikes -- Bank of America has pledged not to increase credit card interest rates until February 2010. Congress wants other card issuers to make the same pledge. ... (See Rates)

10 ways to protect yourself from data breaches -- Massive breaches of personal data can leave you feeling helpless, but there are steps you can take to protect yourself and prepare for the worst. ... (See ID theft)

Want a free FICO score? You're out of luck -- If you think you'll get a free FICO score with your free credit report at AnnualCreditReport.com, you're mistaken. If you want your FICO score, you'll have to pay. ... (See FICO)

States with laws requiring consumer notification of ID theft -- Until recently, if ID thieves stole your credit card data, you were kept in the dark. But a host of new state laws force firms to reveal what they used to keep secret ... (See Data breach notification)

See what students across the U.S. say about changing credit card rules on campus -- Young adults will see their access to credit due restricted due to the Credit CARD Act of 2009; we surveyed campuses to see how students say it will affect them. ... (more)

College students love, hate new credit card law -- College students across the country praise and condemn a new law that will restrict issuing credit cards to anyone under 21 beginning in February 2010. ... (more)

Credit card marketers drop out of college campuses -- Fall 2009 is card issuers' last unfettered chance to sign up students. Rather than give an all-out marketing blitz in its last chance, issuers pulling back. ... (See College)

Fed: Credit card issuers, stay far away from college campus -- Under newly issued federal regulations, card issuers have to stay at least 1,000 feet away from campus. ... (See College)

When is it not a good idea to piggyback on Mom or Dad's credit? -- Becoming an authorized user on a parent, guardian or other adult's credit card account can have rewards as well as pitfalls. Bad payment habits of the account holder can ruin the authorized user's credit score. ... (more)

Alternative ways for students to build a credit history -- The minimum age to qualify for a credit card will soon increase, requiring that students under 21 find new ways to develop positive credit histories. ... (more)

Fed: Want a credit card? Prove you can pay the bill -- In a new 800-page document released Sept. 29, the Fed requires credit card issuers to confirm borrowers' ability to pay. ... (See Prove it)

An employee guide to pay cards -- Paper paychecks are becoming a thing of the past, with plastic payroll debit cards (or pay cards) taking their place. Here's a rundown of what you need to know ... (more)

Reform law, recession lead to 'retro' credit card offers -- New card programs offer payment control, plain vanilla features, but consumers still face a rocky road. ... (See Retro)

Options are limited for bad credit customers -- If you've got a bad credit history in this tight credit market, the odds of getting a credit card with a great interest rate are slim. ... (See APR)

Protect yourself from estranged husband poaching your good credit -- If an estranged spouse uses your identity and 'poaches' your good credit, he may have committed fraud. Protect yourself first then decide whether to put the screws to him ... (See Really estranged)

Prepaid cards replace checks as rebate payment of choice -- The next time you're due a rebate or refund, don't expect to receive a paper check. An increasing number of stores and manufacturers are opting to issue prepaid debit cards instead, and some consumers aren't happy about it. ... (See Rebates)

How to build a better credit card portfolio -- Standing pat with one card isn't a smart move today. Allocate credit as you do assets, strategically trimming or adding cards to get the most out of each. ... (See Portfolio)

FTC eyes new rules on (not-so) free trial offers -- So-called 'negative option' deals mean unless you act, the free trial morphs into a permanent debt. ... (See FTC)

The risks you face when co-signing a loan -- When you co-sign on a loan and the original borrower stops paying, your credit report and credit score take a hit, too. ... (See Co-signer)

Wealthiest consumers still unwilling to spend -- Americans are still hesitant to spend. Even consumers earning some of the highest incomes are unwilling to reopen their wallets. ... (more)

Does credit card debt follow you if you move overseas? -- Moving overseas doesn't mean you strand credit card debt acquired in the States -- especially if you ever plan on returning home ... (See Abroad)

Helping aging parents dig out of debt -- With credit card debt among seniors up 26 percent, experts tell you how to help aging parents get back on track without compromising your own financial future. ... (See Seniors)

The biggest losers (of debt): How a family shed $106,000 in debt -- Five years ago, this New Richmond, Wis., family was drowning in debt. They licked it through frugality, determination and hard work. Here's how. ... (See Drowning)

Going to your parents for a loan? Hit up Dad first, poll says -- According to a new poll conducted by Gfk Roper for CreditCards.com, male parents are 15 percent more likely to pay off $20,000 or more of their kids debt. ... (See Dad)

Got great credit? Credit card offers improve as crunch works in your favor -- While shedding people with credit problems, card issuers are sweetening the deals for those with excellent credit, putting them in good bargaining position. ... (See Deals)

Options for dealing with a minimum payment increase -- As issuers try new ways to bring in cash, cardholders may face boosted minimum payment requirements. If you can pay the new minimum, you should, and stop carrying a balance in the future. ... (See Hike)

How cell phone technology is helping combat credit card fraud -- Mobile phone technology is fast becoming the latest crime-fighting tool against credit card fraud ... (See Mobile detective)

What you stand to lose if you don't pay your credit card bill -- A reader wonders just what would happen to her if she just stopped paying her credit card bill. Legal action, garnishment and property liens, our expert warns. ... (See Pay up)

How to safely, securely destroy a credit card: 6 tips -- With credit card fraud and identity theft on the rise, a single scissor snip won't cut it anymore. ... (See Destroy)

Spouse's passing doesn't absolve widower of joint card debts -- Grief over a spouse's death and the need for money to get a new place to live after her passing doesn't absolve a widower of the obligation to pay down joint debts.. ... (See Widower)

Consumer credit plunges record $21.5 billion in July -- Consumer debt fell by an unprecedented $21.5 billion in July, according to new Federal Reserve data, as consumers continued to shy away from borrowing in the recession. ... (See G.19)

Script to ask for a lower credit card rate -- Being a good credit card customer doesn't win the favors it used to, but carefully chosen words can still tilt the odds in your favor ... (See Script)

Pitfalls of pumping, dumping sign-up bonus cards -- The "pump and dump" strategy of taking advantage of huge bonus sign-up reward points or miles can really mess with your credit if you're not smart ... (See Rewards)

Credit card video: Cutting up your card the right way -- CreditCards.com's Cynthia Drake shows you the right way to cut up a credit card in order to avoid any possible identity theft. There's more to it than you might think. ... (See Video)

Best to apply cash to credit card debt or down payment? -- A reader wants to know whether it is wiser to use a lump sum of cash to pay off credit card debt or dump into savings for a future house down payment. ... (See Cash)

How foreclosures, short sales, other mortgage defaults affect your credit -- How big a bite does a home foreclosure, short sale or other mortgage default take out of your credit score? ... (See Hit)

Authorized users don't have to pay for cardholder's missteps -- If you're an authorized user on someone's credit card and the account holder makes a few wrong moves, you don't have to suffer. Our expert shows how you can protect yourself if this happens to you. ... (See Undo)

You have new rights to keep your old rate -- Under the new credit card law, you can cancel your card and pay off your balance at the existing APR if the issuer hits you with a rate increase ... (See CARD Act)

Credit card issuers don't make hardship programs easy -- It's a Catch-22. Though you've kept up payments until now, you can't pay anymore. But your issuer won't work with you until you start missing payments. What to do? ... (See Hardship)

7 signs Americans are getting smarter with credit -- Lately there have been a handful of signals that consumers are getting a lot smarter when it comes to the cards. Here are seven. ... (See Wiser)

Credit card reform law quirk: 45 days' notice becomes 14 -- Yes, the new credit card reform law requires 45 days' notice of rate hikes, but if you use the card after 14 days, the new rate applies. ... (See Quirk)

Learn your options when dealing with crushing medical debt -- Communicate, and secure your housing and transportation first, says The Credit Guy. ... (See Medical)

Citi adds annual fees to some credit card accounts -- Citi is initiating annual fees on certain credit card accounts as a way to compensate for increasing credit card losses. ... (See Fees)

Credit card charge-offs, delinquencies reverse upward trend -- Credit card charge-offs and delinquencies showed first signs of slowing down in July 2009. ... (See Moody's)

Black, white, titanium: 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)

10 ways to pay down credit card debt -- A young family with $35,000 in credit card debt wonders whether filing for bankruptcy is the solution. It isn't, says our expert. ... (See Debt)

Help with credit card debt -- Whether you're trying to dig out from under debt or just avoid it in the first place, our Credit Card Help section can help you make better decisions ... (See Debt)

8 steps to reducing credit card debt -- This structured, disciplined plan will help you bat down credit card debt and regain financial control ... (See Reduce debt)

Know your rights under the 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 ... (See Debt collection)

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

How to cancel a credit card - and close it without hurting your score -- Anyone can take scissors to a credit card, but it takes skill to cancel a card without nicking your credit score ... (See Cancel)

Got a beef with a credit card issuer? Here's how to file a complaint -- Can't resolve a problem you're having with your credit card issuer? You can file a complaint with the Consumer Financial Protection Bureau, a federal watchdog agency that oversees large banks, credit union or savings institutions. ... (See Complain about your credit card issuer)

Q and A on first phase of new credit card law -- Consumers get the right to opt out of rate increases, notification and billing requirements become clearer. ... (See Law)

Think twice before rolling credit card debt into mortgage refinancing -- People with equity in their homes can still borrow against it to settle debts. With mortgage rates at historic lows, consolidating credit card debt in a refinance can substantially lower monthly expenses. Yet many financial experts advise against it. ... (See Refi)

A guide to navigating through bankruptcy -- If you're among the growing number of people considering bankruptcy, this package of news articles, tips and statistics will help to get you through ... (See Bankruptcy)

Firsthand lessons from dealing with my parents' credit card debt after death -- After her parents' sudden demise, a daughter shares hard-won lessons learned from having to cope with their finances. ... (See Lessons)

Credit card charge-offs, delinquencies hit all-time high -- The second quarter closed with the highest consumer credit card delinquency and charge-off rates since the Federal Reserve began tracking data on the subjects. ... (See Record)

Just one day late can hurt that credit card rate -- Even if you're tardy in paying your credit card bill by a single day, it can trigger a rate increase. ... (See One day)

Have card, will travel: A guide to traveling with a credit card -- You need to take steps before, during and after the trip if you want your travel to be enjoyable for you and your credit. ... (See Travel)

70 years old with $20,000 in credit card debt -- A senior citizen wants to know how she can manage to pay down $20,000 in credit card debt when she's unemployed and on a fixed income ... (See Broke)

Consumers gain right to opt out of credit card rate increases -- The first phase of the new Credit CARD Act of 2009 kicked in Aug. 20, lengthening notice requirements to 45 days and giving consumers the right to opt out of rate increases. ... (See Law)

Study: Financial fears not enough to change behavior -- Many, particularly the young, are reluctant to change financial ways, despite recession. ... (more)

Stash your plastic when closing on a home -- Going on a credit card spending spree right before closing on a home is unwise. It can even jeopardize your mortgage. ... (See Closing)

When your spouse's debt collection becomes your nightmare -- If your spouse's credit card debt is headed south and the debt collectors are calling, there is a good chance that your assets are at risk, too. ... (See Debt)

States weigh limits on credit checks for employment -- In July 2009, Hawaii became the second state to limit the practice of allowing all employers to make hiring decisions based on a job applicant's credit score. ... (See Score)

Killing off the credit card balance that refuses to die -- Late charges, over-the-limit fees, interest rate hikes and cash advance fees can all prevent you from paying down that previously unrelenting credit card balance. ... (See Balance)

What are your rights when opting out of a rate increase? -- You can't opt out of a rate increase after the stated deadline, but you may be able to freeze the account at the old rate. ... (See Opt out)

Substantial debt may arise from unlikely sources -- Most Americans attribute their most bothersome financial burdens to medical costs, eating out and entertainment. However, the worst debt may arise due to other less-recognized reasons. ... (more)

Judge Sonia Sotomayor's personal finances: The house-poor justice -- Unlike the other recent newcomers to the Supreme Court, Sonia Sotomayor's financial profile doesn't make you think of Wall Street. ... (See Judge)

Decline in credit card mailings slows -- After months of decline, recent data show banks have begun reconsidering card offers. Synovate, which tracks credit card direct mail, reports that U.S. households received 349.1 million offers in the second quarter -- down just 6 percent from the first quarter ... (more)

Active military personnel protected from interest rate hikes -- The Servicemembers Civil Relief Act offers interest rate limit protections for active duty military personnel. All you have to do is ask, and prove that you've been called to serve. ... (See SCRA)

5 new rules in the credit card balance transfer game -- Transferring a credit card balance used to be so easy and painless that some consumers referred to it as a game, but that game has changed. ... (See Transfer)

4 ways to fight minimum payment increases -- Thousands of credit card customers were surprised by news that their credit card minimum payments will more than double. Find out what your options are. ... (See Ouch)

Can one spouse's bankruptcy destroy the other's credit? -- If your spouse files for bankruptcy, your credit score may or may not be impacted, depending on where you live and what you owe. ... (See Bankruptcy)

Survey: Credit card, collection complaints growing quickly -- The nation's fastest growing consumer complaints involve aggressive collection tactics for credit card and many other debts, says a survey released Thursday. ... (more)

Study: In romance, big spenders seek big savers and vice versa -- A study reveals that when it comes to money habits, opposites attract, with big spenders attracted to big savers and vice versa. ... (See Attraction)

Americans rank high for credit card frugality -- Americans ranked highest among eight major countries in terms of limiting credit card purchases in an attempt to save. ... (more)

Credit card issuers shift rewards to 'platforms' -- Credit card issuers are increasingly consolidating their rewards programs to allow points shopping across categories for numerous cards. ... (See Cashing in)

Do credit card rewards make people spend more? -- Study: The allure of credit card rewards is one contributing factor that may lead to increased card debt. ... (more)

Be wise when cashing in rewards points -- To reap the most out of credit card rewards programs, it's important to pay attention to which rewards give you more bang for the buck ... (See Points)

Poll: Credit card issuers punish cardholders, but pursue a few -- Credit card issuers have punished two of every five cardholders by acts such as rate increases, but a few have been rewarded, says a CreditCards.com poll. ... (See Whacked)

Considering bankruptcy? Use the 'divide by 60' test to see if you should -- Take your unsecured debt and divide it by 60 to see whether you're a candidate for bankruptcy, says Todd Ossenfort, The Credit Guy. ... (See 60)

Proving your worth: How entrepreneurs can qualify for credit -- As credit lines tighten, or even disappear, small-business owners are turning to credit cards for survival. But getting approved for plastic is harder than ever. ... (See Qualify)

9 things you must know about debt consolidation -- Debt consolidation programs, called debt management plans, can help you get back on track, but they can also be unnecessary and even detrimental when done poorly or for the wrong reasons. Here's what you need to know. ... (See Debt)

Create a separate credit identity after divorce -- If you are still an authorized user on an ex's credit cards, your credit score is dependent on their payment behavior. Your best bet is to get your own credit. ... (See Divorce)

Closing credits for filmmakers: Credit cards no longer viable as movie funding source -- Credit is the lifeblood of America's independent film industry, but stringent loan regulations curtailed access to credit and threaten the industry. ... (See Indies)

Fed bank regulator's report says national banks still tightening lending standards -- A report from the Office of the Comptroller of the Currency shows shows no banks easing credit card standards while 68 percent are tightening up. ... (more)

Study: Credit cards face bleak future -- New research indicates that consumers may never return to their old charging habits, jeopardizing the future of the credit card industry. ... (See Future)

How being an authorized user can hurt your credit score -- If you are an authorized user on someone's credit card account and that account is not in good standing, it will drag down your credit score. ... (See Credit)

Bankruptcy filings return to pre-reform-law pace -- Largely due to the recession, a 2005 law clamping down on filing had only temporary impact. ... (See FIlings)

Protect your credit score during divorce -- When facing divorce, avoid at all costs racking up mounds of credit card debt as you want to be able to start off your new life without undue financial stress. ... (See Divorce)

CreditCards.com poll: Americans losing sleep over finances -- More than two out of three Americans are losing sleep because of financial worries, according to a new CreditCards.com poll. ... (See Insomnia)

Federal Reserve issues final rules on first phase of Credit CARD Act -- The Federal Reserve released the interim final rules on the first phase of the new Credit CARD Act of 2009 covering advance notice of card changes, the right to opt out of changes and providing at least 21 days to pay monthly bills. ... (more)

6 times when it's OK to cut up your cards -- A reader asks Opening Credits a simple question -- "When do credit cards get cut up?" -- that doesn't have a quick, easy answer. ... (See To cut or not to cut?)

Let's talk credit: 8 must-have couple conversations -- Attitudes about using credit cards vary dramatically, and learning a partner's outlook can avert all-too-common money disputes. Here are the eight top credit issues every couple should tackle. ... (See Talk to me)

Is credit card loyalty for chumps? -- Your loyalty may make you a stellar best friend, but it's not doing you any favors with your credit card company these days. The dismal economy may have turned your card issuer into a turncoat. ... (See Loyalty)

Your options when credit card minimum payments skyrocket -- Credit card issuers can change conditions on short notice, including the minimum payment. ... (See Payment )

Study: Your brain may be causing your financially risky choices -- A new study suggests you may be predisposed to make risky financial decisions by the same part of your brain that contributes to gambling and shopping addiction. ... (See Brain)

How your financial choices and your brain interact -- This interactive demonstrates how the financial choices we make can be risky or conservative, depending on how one part of your brain -- the ventral striatum -- is wired. ... (more)

Starting a credit life after a spouse's death -- A widow wants to know what she needs to do to keep her mortgage and lines of credit after her husband's death. ... (See Death, debt and credit)

Credit card balances keep falling, Fed says in May's G.19 report on consumer credit -- Credit card balances continued their downward spiral in May, according to the latest data from the Federal Reserve, as cardholders remained hesitant to carry any unnecessary debt during the ongoing recession. ... (See G.19)

Time for the big credit card talk with college students -- The new Credit CARD Act of 2009 limits issuing and marketing credit cards to people under 21. It may mean more parents will have to discuss managing credit with their children. ... (See The big talk)

Is it possible to pay off debt TOO quickly? -- A reader asks whether paying off his huge debts in one fell swoop, thanks to an inheritance, can raise red flags and damage his credit. ... (See Paying off)

Download a sample credit card contract for parents, young adult children -- This downloadable contract between parents and their young adult children about credit card use can be a starting point for talk about co-signing for a credit card. ... (more)

24 hours of credit card tweets on Twitter -- To find out what Internet users think about plastic, CreditCards.com read and evaluated 24 hours' worth of tweets about credit cards on the social networking site Twitter. ... (See Twitter)

John Grund: A look at the future of credit cards -- Credit card expert John Grund analyzes what consumers can expect to pay for credit in the near future and whether the days of easy credit are over. ... (See Future)

Strapped for cash? Pawnshops offer short-term solution -- Credit cards maxed out? Look no further than your jewelry box to turn valuables into cash with a quick trip to your local pawnshop. ... (See Pawn)

Personal loan vs. credit card cash advance to pay for wedding -- For one-time events such as a wedding, go with the loan -- the rates are usually much cheaper. ... (See Loan)

Dumped by your credit card issuer? 5 tips to survive the breakup -- What should you do if you suddenly find yourself dumped? Here are five steps to take when your credit card issuer just isn't into you anymore. ... (See Dumped)

When your ex doesn't pay on joint accounts -- If you rely on your ex to pay down on joint accounts after a divorce, expect to be disappointed. ... (See Joint disaster)

Study: Credit card statements 'virtually incomprehensible' -- Research finds that indecipherable credit card statements aren't just an American problem; they cause head-scratching worldwide. ... (See Study)

When money woes hit home, take stock and make a plan -- Our expert offers a plan for a family with two young children, a $4,800 monthly mortgage payment, $14,000 in credit card debt and suddenly has been hit with a job loss. ... (See What to do)

Shopping and credit cards: Don't let a convenience become a curse -- For some, a mall and a credit card are a financially toxic mix. It need not be so. These tips will help you become a savvier shopper -- and maybe even save some money. ... (See Shopping)

Allowing friends to use your credit card = mistake -- After the charges, it may be too late to hold someone else responsible for debt run up on your card with your permission. ... (See Friends don't let friends charge)

Credit Card Help: Why women need their own credit -- When you get married and vow to love 'for richer or for poorer,' it doesn't mean relinquishing your financial independence ... (See Why women need their own credit)

Does it matter who is the primary account holder? -- In times past, creditors may have only reported credit history for the primary account holder -- usually the man. Times have changed. ... (See Primary)

How Dad affects your debt, financial decisions -- New research finds that a father's advice, or lack of it, influences their children's money behavior later. ... (See Dad)

Obama proposes new consumer protection agency for credit cards, other financial services -- The Obama administration proposes creating a Consumer Financial Protection Agency as a consumer watchdog for credit cards and other complicated financial products. ... (See Watchdog)

Summary: What a Consumer Financial Protection Agency would mean to credit card users -- This table summarizes how credit cardholders would be affected by President Obama's sweeping financial reform proposal. ... (more)

New law bans card payment allocation trickery -- If you use your credit cards for balance transfers or cash advances in addition to making purchases, your credit card payments will soon go further, starting in February. ... (See Payments)

New FICO auto score screens out more buyers -- You may think you're ready for a new set of wheels. But your new credit score could have other ideas. ... (See Autos)

A guide to the Credit CARD Act of 2009 -- The federal government has enacted sweeping reforms into how credit cards work; learn what they mean to you through this interactive guide. ... (See A guide)

What you buy and where you shop may affect your credit -- The new Credit CARD Act calls for a probe of whether shopping at certain merchants or buying certain items affects your creditworthiness. ... (more)

How to shop your way to a better credit score -- Credit card issuers increasingly use complicated formulas to analyze their cardholders' purchasing patterns for signs of increased risk. ... (See Score)

Credit card foreign transaction fees going up - but a few issuers drop them -- The general trend is up for foreign transaction fees, but a few issuers have bucked the trend and dropped the fee from top-end rewards cards ... (See Foreign transaction fees)

Are you responsible for your late parent's debts? -- One nervous reader asks whether a credit card company can come after her to pay for her father's debts after he passes away. ... (See Debts)

Experian: High credit score increases likelihood of ID theft -- Having a high credit score makes it easier -- and cheaper -- for you to borrow money. But according to a new report from credit bureau Experian, that high score also makes it easier for identity thieves to secure stolen credit in your name. ... (See ID theft)

Hit with an APR hike? Keep the card or cancel? -- Until the new credit card laws take effect in 2010, your issuer can still change the terms for any reason. If hit with an APR increase, you have two choices: keep it or cancel it. ... (See Changes)

Fed G.19 consumer credit report shows spending falls again -- As the recession and layoffs continue to take their toll, consumers respond by ditching debt. ... (See Credit)

Protecting your credit score when paying down debt -- It's a Catch-22: you opt to pay down your credit card debt, but then your credit limit gets cut. What's a cardholder to do? ... (See Cut)

'Free trial' offers can bring unwanted credit card charges -- Ever fall for the "order now and receive a free trial offer" on the latest energy booster or anti-aging cream? You're not alone. Here's how to avoid getting scammed. ... (See Scams)

With credit card bills, don't be late, negotiate -- Reaching out before the bill is due damages your credit score the least, says The Credit Guy. ... (See Negotiate)

Credit card mail offers with annual fees on the rise -- Once nearly extinct for people with good credit, card offers with annual fees are rebounding, research firm Synovate says. ... (See Fees)

The ugly side of debt collection -- Debt collectors would much rather settle for less than the full amount and get it all at once than receive a small amount each month. ... (See Collection)

Obama signs credit card reforms into law -- His signature starts the enactment clock ticking on new consumer protections. ... (See Law)

Credit card reform legislation time line -- This interactive time line shows how the sweeping credit card reform bill became a law, and when its different provisions take effect. ... (more)

Credit not right? Time for a credit card checkup -- Is your credit not feeling quite right? If so, it may be overdue for an annual check-up. Fortunately, a thorough exam doesn't involve an appointment with a hard-to-reach specialist: This Rx is strictly DIY. ... (See Checkup)

A practical guide of what to expect when filing for bankruptcy -- American bankruptcy laws were created for catastrophic events, where debt resolution can give you a fresh start and let you become a productive, contributing citizen again. ... (See Bankrupt)

Study: Credit cards don't increase spending -- Paying with credit cards instead of cash may in fact not cause consumers to spend more, according to a new study from Carnegie Mellon University. The study goes against current popular theory that people who buy with plastic tend to overspend. ... (See Study)

Personal finance experts reveal which credit cards they use and why -- Personal finance experts reveal which credit cards they use -- and why. ... (See Experts)

Will credit card law will hurt more people than it helps? -- Card issuers say the new law will hurt consumers; consumer advocates say the card issuers are bluffing. ... (See New law)

House easily passes credit card reform bill -- Following today's 361-64 House vote, President Obama is poised to sign credit card restrictions into law. ... (See Vote)

Thinking of buying an $8,000 motorcycle on a credit card? Weigh all options before your purchase -- A reader wants to use a new credit card to buy his dream motorcycle, but our columnist suggests waiting and weighing all his options before making the purchase. ... (See Dreams)

Your keys to getting in the 700+ credit score club -- Having good credit pays -- in dollars and cents. In an ever-tightening credit market, having a solid credit history with a credit score well over 700 will open doors to money-saving opportunities ... (See Club)

How to cope until new credit card law takes effect -- Consumer advocates say cardholders should wean themselves off of credit cards, pay down debt and pay on time during this period before new protections kick in. ... (See Advice)

How does America's credit card debt stack up? -- Americans' credit card debt escalated to unprecedented heights as the economic crisis unfolded. CreditCards.com took various statistics on that debt and converted those amounts into $1 bill stacks. ... (See Card debt)

Your options for negotiating outstanding debt -- If your income has been dramatically reduced, then you may qualify for some assistance from the creditor that might not negatively affect your credit score. ... (See Score)

8 tips to reduce unemployment prepaid card fees -- For many unemployment recipients, the switch from paper checks to prepaid cards is hardly the win-win situation ... (See Fees)

You can do it! 10 ways to motivate debt repayment -- Just seeing the amount of your liabilities can instill a "Why try? I'll never pay it all off" despair. While high debt can make you feel hopeless, it's not. Effort does produce results. ... (See Yes you can!)

What's the best way to pay the IRS? -- When faced with a tax bill, it's important to weigh all payment options carefully or you'll end up paying a lot more than you owe. ... (See IRS)

Good credit history doesn't go away when card canceled -- If your only credit card gets closed, don't worry. That good credit history that you built will live on, even as the card becomes just a memory. ... (See History)

Authors explain how to duck debt reaffirmation traps -- When seeking bankruptcy protection, some unwary consumers may be cajoled or outright conned by their creditors into remaining on the hook for a car loan or home mortgage through a process known as reaffirmation. ... (See Traps)

Can my Social Security benefits be garnished for credit card debt? -- Be at ease; your Social Security can't be garnished for credit card debt. But you still need to get a budget together. ... (See Garnish)

Stop the temptation of credit card convenience checks -- If you never plan to use the blank 'convenience' checks from your credit card company, consider asking your credit card company to stop sending them. ... (See Checks)

If pandemic strikes, will banks, credit cards still work? -- If the swine flu goes pandemic, will your credit card issuer be ready? If it's not, it could mean empty ATMs, disrupted customer service and other such headaches for consumers. For banks, failure to prepare could mean losses of billions of dollars. ... (See Pandemic)

Survey: 34 million Americans admit paying credit card bills late -- More than 58 million Americans admit they don't pay their bills on time, including 34 million who were late paying credit card bills, according to an annual consumer survey. ... (See Survey)

Author Joe Hallinan, 'Why We Make Mistakes' author, on financial goofs -- Research shows that when confronted with several credit card offers, most of us choose the wrong one: We'll bite at the attractive teaser rate rather than the best overall terms. ... (See Choices)

Laid off, stuck with company credit card bill -- If you are an authorized user on your company card, then you aren't responsible for payment, but that might not stop collectors from harassing you for it. ... (See Company card)

Why do credit cards have expiration dates? -- When your credit card renews, it's important to re-evaluate and renew any automatic payments. ... (See Expire)

Do you lose your miles when canceling a card? -- When canceling a frequent flier credit card, make sure you know how your miles are cached or you just might lose them. ... (See Cancel)

Sample credit card interest rate increase opt-out letter -- New credit card law requires issuers to give consumers the right to opt out of interest rate increases. This sample opt-out letter will help you decline them. ... (more)

How to react to a 'rate-jack' attack -- The bad news is in. Your credit card issuer has sent a change in term notice of an impending interest rate hike on your account. But you have options. ... (See How to handle credit card rate increases)

Keep that first credit card after you've paid off your debts -- A taste for free food or gifts has lured many a college student into credit card debt. But when that debt is paid off, should you cancel that card or keep it around? ... (See Opening Credits)

FTC helps nonbank cardholders figure true cost of credit -- Nonbank credit cardholders who want to figure out how long it will take to pay off their credit card balances by only making the minimum payment can now just call the FTC. ... (See FTC)

Is the American love affair with credit cards over? -- It's no surprise that many consumers are unhappy with credit card companies, but their unhappiness may lead to long-term behavioral changes ... (See Change)

Who's liable for charges on dead dad's credit card? -- An authorized user wonders who's liable for charges on her deceased father's credit card ... (See Liable)

Study: 'The war on phishing is far from over' -- More consumers were victims of phishing attacks in 2008 -- a 39.8 percent increase from a year earlier -- but the average amount lost decreased, according to a survey conducted by technology research company Gartner. ... (See Fraud)

Determining value of rewards redemption -- While typically not the best value for your rewards points, redeeming for merchandise can be handy when real "money" is more important in your pocket than any amount of miles or point ... (See Merchandise vs. miles)

Top credit card issuers back new debt management plan (DMP) repayment relief program -- In partnership with a major consumer credit counseling accrediting agency, 10 of the nation's largest credit card issuers have agreed to provide additional relief to consumers struggling to repay their debts. ... (See Debt payback relief)

Ex-wife maxes out joint cards: Who pays? -- Divorce is at best unpleasant and at worse very painful. Plus, the lingering separation of finances can add to the pain for years. ... (See Maxed out)

Teaching adult children financial responsibility -- Co-signing, when done successfully, is like a set of financial training wheels. It should be used only as a temporary measure until the young person is a little less wobbly. ... (See Kids)

How -- and when -- to use credit cards to pay income taxes to the IRS -- Going into debt to pay taxes may not be the wisest call in the financial playbook, but some people may not have a choice. Here's how to do it wisely. ... (See Here's how)

Citi 'Payment Partner' plan: Bonus to volunteer for credit limit cut -- Citi is the latest credit card issuer to get creative in encouraging customers to make big payments -- or just go away. ... (See Citi)

Best Buy takes over Circuit City cards -- Circuit City cardholders will get Best Buy cards in May. Their new cards would have the same account numbers, rates, fees and terms as their old cards. ... (See New cards)

Federal Reserve's February 2009 G.19 report on consumer credit shows biggest drop in 31 years -- Credit card balances suffered their biggest percentage drop in more 30 years in February, according to the latest Federal Reserve data, as consumers responded to the recession by reducing their reliance on plastic. ... (See G.19)

Capital One pulls out of health care financing market -- Capital One will end its Healthcare Financing program April 10, 2009. The company cites the credit and economic environment. ... (See Cap One)

Credit card glossary terms to know for when you move -- Moving is stressful enough without having to worry about your credit, but if you're not careful and don't plan ahead, the opportunities for a move to cause credit chaos can multiply. ... (See Moving credit)

Card issuers more willing to make concessions in debt deals, but fewer consumers qualify -- Realizing something's better than nothing, card issuers are OKing more generous debt management plans -- but they're still too costly for many consumers. ... (See Debt)

Credit Card Help: 10 things you must know about credit reports and credit scores -- You may have heard the terms credit history and credit score. But what exactly is a credit history, what is a credit score -- and why are they so important? ... (See Reports and scores)

Credit Card Help: 7 things you must know about credit cards -- Forge a positive and fruitful relationship with credit cards by learning the basics before you apply for an account ... (See 7 things)

Credit Card Help: 8 things you must know about credit card debt -- Credit card debt is not inevitable. Here are some basic credit guidelines to help keep you out of debt ... (more)

Credit Card Help: 6 things to consider before choosing a credit card -- When picking a card, the No. 1 tip is to know yourself and how you will use the card ... (See Tips for picking the right credit card)

Credit Card Help: 8 tips to keep credit card rates and fees low -- As the cost of credit creeps ever higher, micro-managing your finances is assuming greater importance. Here are 8 tips to help you keep your interest rates and fees low ... (See 8 tips to keep credit card rates and fees low)

Joint accounts: Till debt do you part -- Having a joint credit card with your spouse doesn't cause your credit histories to mix. But missing a payment will affect both credit scores ... (See Credit)

Credit Card Help: What the new credit card law means for you -- The Credit CARD Act of 2009 includes the most sweeping changes in credit card laws in decades. The final batch of consumer protections took effect Aug. 22, 2010. Here's how its provisions affect you. ... (See Reform)

Credit card authorized users, joint account holders: Know the difference -- The differences are significant between authorized users and joint account holders -- especially in payment responsibilities. ... (See Opening Credits)

Credit card videos from CreditCards.com -- The latest additions to CreditCards.com's library of video clips are filled with helpful, practical tips to make you more knowledgeable about credit cards -- from rewards credit cards and student credit cards to identity theft and debt prevention. ... (See Credit card videos)

New York AG claims Chase fee victory -- Chase Card Services insists "customer feedback" -- rather than attorney general or pending lawsuits -- prompted company to rescind $10 fee. ... (See Chase fee)

7 cases when it's OK to carry a credit card balance -- It's generally unwise to carry a balance, but sometimes the alternatives are worse. ... (See Balance)

Hit with a credit card interest rate increase? Do you cancel card over APR hike? -- When hit with a rate increase on your credit card, it's important to weigh several factors when deciding to keep the card or cancel it. ... (See Choices)

Chase cancels $10 monthly fee -- Citing "customer feedback," Chase Card Services cancels a controversial $10-a-monthly maintenance fee for some 400,000 customers. ... (See Chase)

Fed invites comments on banks' automatic overdraft programs -- The Federal Reserve Board is asking consumers to comment on potential changes to regulations governing banks' controversial overdraft protection programs. ... (See Overdraft)

Don't be caught off guard by limited purchase protection -- Many assume when we make credit card purchases, the credit card companies will side with us in a dispute. That's not necessarily so. ... (See Fine print)

Stuck with a tax bill? Here are your payment options -- If you're one of those who owe and don't have the dough, you may be tempted to pull out a credit card -- but is that the wisest choice? ... (See Tax payment options)

Credit card terms are changing for the worse for consumers -- Have you read your credit card terms lately? Many credit card issuers are rolling out new fees, slashing rewards points and hiking existing fees and interest rates -- even for good customers. ... (See Changes)

How to handle credit card bills when pink slips loom -- For those who are struggling to make credit card payments now or will if they lose their jobs, rising interest rates could present a real problem -- but there is help. ... (See Pink slip)

10 grandchildren + $100,000 in card debt = bankruptcy? -- Even though bankruptcy may seem like the answer to clean the debt slate, if you don't change your situation, it won't help at all. ... (See $100,000)

'Contactless' credit cards spark concerns for data privacy -- The credit-card swiper you now use at the checkout counter may eventually be obsolete, but privacy advocates question whether contactless cards are more for convenience and less about keeping customers' data safely protected. ... (See RFID)

7 tips for starting a credit history amid an economic crisis -- In today’s rocky economy, those seeking credit for the first time must adopt new strategies, think creatively. ... (See Starting a credit history during an economic crisis)

New citizen tips for building good credit -- Part of the process in becoming an established U.S. citizen is to start building a solid credit history. ... (See Credit)

What happens to prepaid cards when a business is sold? -- Most business owners follow both logic and good business sense and honor prepaid cards. Sometimes, however, you run into someone who doesn't. ... (See Prepaid)

Credit card glossary terms to know when you're in debt -- Experts advise to always pay off your balance, don't spend more than you have and keep your credit balance well below 50 percent of your available credit. ... (See Debt)

Credit card glossary terms to know for first-time card users -- Ready for your first credit card? Before you start charging, here are credit card terms that will help you become a responsible credit card user. ... (See New)

What to do if your retail credit card issuer goes bankrupt -- Millions of private label cardholders are seeing retailers go into bankruptcy, or worse, go under. The question then is to whom do you pay, and do you have to pay at all? ... (See Retailers)

Tiny payments don't keep creditors away -- Contrary to urban legend, making a small payment won't keep the creditors away; you have to pay at least the minimum payment. ... (See Payment)

Good credit cardholders lumped in with bad -- Banks are pulling back more than ever before to limit the amount of risk they have, so even perfect payment clients are compromised ... (See AmEx)

Credit card issuers beware: Feds will be watching -- Federal regulators will use federal law against unfair or deceptive trade practices to judge future credit card practices. ... (See FDIC)

How finance experts advise teens about money -- We quizzed parents who have financial backgrounds on what money advice they would give to other parents with teens and money situations ... (See Finance experts' sage advice to their teens)

When it's OK to fund your IRA with a credit card -- As crazy as it sounds, you might consider funding your IRA by using a credit card cash advance. Be warned, however, that this is risky and an option only for a select few. ... (See IRAs)

When credit card debt ruins retirement -- When credit card debt dulls the glow of your golden years, you have options: reverse mortgages, bankruptcy or credit counseling. ... (See Retirement)

Credit card biometrics making its way from the movies to the marketplace -- Credit cards with biometric security features may no longer be the stuff of spy movies, but a mainstream alternative to sloppy signatures and forgotten passwords. ... (See ID theft)

Mad at your credit card issuer? You still have to pay -- Mad at your credit card issuer? While you may resent having to pay that bill, choosing not to pay it will hurt you even more. ... (See Mad)

Laid off and in debt: 5 steps to take now to keep credit intact -- Millions of Americans are now without jobs, and many most likely carry credit card debt. Here are steps to take immediately to protect your credit. ... (See Laid off)

Target profits plunge following credit card losses -- Target Corp. reports a 41 percent decrease in fourth-quarter profit, attributing the loss to a drop-off in retail sales and credit card delinquency. ... (See Target)

Consumers have fewer options for using credit cards for medical expenses -- As the credit crunch deepens, using credit cards to pay for health and medical expenses may no longer be an option. ... (See Crunch)

Example shows how switching credit cards has become harder, costlier -- We took some typical prices of cards and fees in the credit card marketplace of early 2009 and find that for the credit card shopper who fits the average, the cost is ... ... (more)

Don't like your credit card terms? Just switch, right? Maybe, maybe not. -- If you don't like your credit card, just get a new one, right? Not so easy any more. ... (See Switch)

Issuers offer new tools to aid, educate credit cardholders -- The lending industry may have played a major role in leading us into the current financial crisis, but when it comes to consumers' personal finances, credit card issuers want you to know they are here to help. ... (See New tools)

Minor's credit card contract raises legal, ethical questions -- A credit card contract with 17-year-old is likely not enforceable -- with some exceptions. However, continuing to run up debt on that card raises some tricky moral and ethical questions. ... (See Ethics)

4 reasons you should get a department store credit card -- Often (and justly) maligned, retail store cards sometimes can help. ... (See Retail)

Not all issuers allow you to opt out of rate increases -- When hit with a sudden increase to your APR, most card companies allow you to opt out, keep the old rate and pay off the balance, but not all are so kind. ... (See Opt out)

Consumers lose access to major credit score -- Consumers have lost access to a key version of the credit score many banks use to make lending decisions. ... (See Experian )

Despite media reports, with good credit, you can get a credit card -- "Credit crunch." "Card issuers tightening their belts." "Credit limits cut." "Interest rates jacked." You've seen the headlines, but just how bad is it? Can you still get a credit card? ... (See Yes, you can)

Steps to take to pay off old debt -- Your credit report may not reveal all past debts, but contacting creditors may restart the clock on the statute of limitations. ... (See Old debt)

From 'Gossip Girl' to 'The Stand': 8 novels show how credit cards appear in fiction, novels -- Whether it's "Gossip Girl," "Twilight" or "The Stand," popular works of fiction have shone a light on how we handle credit cards and debt. ... (See Credit card novels)

6 ways to protect your identity in a data breach -- As data breaches become more prolific, it's important to be more proactive in protecting yourself from identity theft. ... (See Theft)

Lessons in paying off delinquent debt -- Settling an old debt won't necessarily improve your credit score, but it can free you of the collection process and to know that you made good on your obligation ... (See Old debt)

Credit card forbearance programs offer reprieve from debt -- Major credit card issuers' programs that allow temporary relief for overstretched cardholders are busier than ever, and some of the issuers are improving them. ... (See Relief)

7 ways the sexes handle credit differently -- Think you and your partner whip out the credit cards for different reasons? What about debt repayment -- is there a difference between the sexes? The answers may surprise you. ... (See Gender)

5 tips for protecting your credit during marriage breakup -- Marriage breakups are messy, messy things. However, taking these five steps can help you protect your credit during this trying time. ... (See 5 breakup money tips)

Couples should debt plan when estate planning -- Avoid headaches for surviving spouses by taking responsibility for debt balances into estate planning. ... (See Debt plan)

Used wisely, small business credit cards keep business afloat -- Wisely used credit cards can be a convenient source of cash for anyone, but for business owners, the stakes are often higher since credit cards can help small businesses stay afloat ... (See Lifeline)

When medical problems hit, bankruptcy can make sense -- Bankruptcy laws were created for catastrophic situations, not for carelessness. However, filing should be done only when other options have been considered. ... (See Last resort)

Long-awaited credit scoring revisions unveiled -- The rollout of the long-awaited update to Fair Isaac's popular FICO credit scoring model was finally announced today, but it will likely take some before the changes have a real impact. ... (See FICO revisions)

7 credit card myths debunked -- We've all heard them, and we've probably believed more than a few. But living by a credit card myth can cost you in fees and hurt your credit rating. Here are seven of the most pervasive credit card myths to watch out for. ... (See Myths)

7 bad credit card habits to break now -- and how to break them -- Just about everyone has a few destructive habits to break -- and when it comes to credit, the sooner you replace them with more positive behaviors, the more money you'll save. ... (See Bad habits)

5 tips for talking to elderly parents about credit card debt -- As parents age, many of their children have to get more involved in their finances. We look at when, why and how to step in, how to handle problems that broaching the topic might create, and how to handle the relationship on an ongoing basis once you've gotten involved. ... (See Tips)

When loaning money, weigh your own financial situation first -- When helping someone out financially, a good rule of thumb to consider is if the assistance would immediately or in the future cause havoc with your own personal finances. ... (See Loan)

Money clubs make a comeback -- If you're one of those people who finds that a little group support never hurts, you may want to organize a money club. ... (See Clubs)

Bankruptcies surge in 2008, passing 1 million mark again -- Personal bankruptcies surged to more than 1 million filings in the United States in 2008 -- the most since a rewrite of bankruptcy laws took effect in 2005. ... (See Bankruptcy)

Canceled debts will lead to IRS tax -- When collectors discharge old debts, they will report that to the IRS as income to you, leaving you with what could be a hefty tax bill. ... (See Discharged debts)

Poll: 1 in 3 resolve to slash debt this year -- About 1 in 3 consumers resolved to reduce their debt in 2009, based on New Year's resolutions outlined in a new poll from CreditCards.com. Still, Americans are more committed to spending time with family and losing weight than erasing their debt. ... (See Debt)

The spiritual side of debt counseling: faith-based debt counselors abound -- For the devout in search of debt counseling, faith-based organizations can offer more than just number-crunching, dollars-and-cents advice. They can offer spiritually sound financial counsel that can help debtors chart a course to financial freedom. ... (See Faith)

Too much fast food can be hazardous to your credit -- No, where you eat doesn't have an impact on your credit score, but that's not the full story. While paying plastic for that Big Mac won't hurt your credit score, it might just make issuers think that you're a credit risk. ... (See Fast food)

Are you a bankruptcy risk? Enigmatic score may tell lenders -- It's a number that lenders may consider when deciding whether or not to lend you money, but it isn't the well-known credit score. Meet the bankruptcy score, the credit score's more mysterious cousin. ... (See Score)

7 times when it's OK to cancel a credit card -- Whether you're telling a joke or canceling a credit card, timing really is everything. ... (See Cancel)

How to keep debt collectors at bay -- No matter what your circumstances, you have the legal right to ask collectors to stop harassment ... (See Collectors)

Your credit card is a tattletale: With electronic payments, little is private -- Credit card issuers have access to a wealth of information about where you shop, how much you spend and how often. Increasingly, they use that data to change your access to credit. ... (See Privacy)

How to finance a wedding or 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)

Poll: Credit card payments last on list of bills -- A new CreditCards.com poll shows cash-strapped Americans would pay their credit card bills last and mortgage first. Credit card debt is still a taboo topic. ... (See Poll)

Here's how to help young adults with bad credit -- Many young adults find themselves in credit card debt with no means or knowledge on how to get themselves out. Here's some advice. ... (See Credit lessons)

Financial steps to take when you're sinking in debt -- When you're behind on your mortgage and credit card bills, figuring out how to stay afloat may seem impossible, but there are drastic measure you can take to keep from sinking. ... (See Sinking)

6 new rules for negotiating changes in credit card terms -- With credit card companies slashing credit lines and raising interest rates to recoup heavy losses, cardholders face new hurdles when trying to negotiate credit card terms. ... (See 6 rules)

How your credit card can bail you out of debt -- Often criticized for encouraging overspending, several credit card issuers recently rolled out programs and rewards cards to help customers pay off debt, save and invest. ... (See Bailout)

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

How to keep a small business credit card limit from being cut -- Those who rely on small business cards with high limits to keep their shops running need to be proactive. ... (See Keeping your credit limit)

7 irrational credit card fears (and 7 REAL worries) -- Are you or someone you know afraid to use -- or even obtain -- plastic? Sure, credit cards come with a series of essential cautions, but overall they are safe and useful financial management tools. ... (See Fears)

Credit card balance transfers: The landscape is changing -- Balance transfers are valuable tools, but the radically changed 2009 landscape means they're trickier and harder to find. ... (See Balance transfer)

Are three cards too many? Not if you use them wisely -- There's no one answer to how many cards are too many. Lots of variables come into play, including how you use the cards and how you make your payments. ... (See Too many cards?)

Best credit card stories of 2008 -- The year 2008 saw unprecedented change in the credit card industry, turning card debt from convenient friend into everyone's enemy. These are the top 10 stories that helped chronicle it. ... (See 2008 review)

6 steps to a successful credit card balance transfer -- Balance transfers aren't easy any more. Take these steps to increase your odds of success. ... (more)

9 predictions for credit cards in 2009 -- This has been a tumultuous year for credit cardholders and issuers. What does 2009 hold? We'll take a look. ... (See '09 card predictions)

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

Become debt-free with credit card debt consolidation -- If you have a large outstanding credit card balance, now might be the time to consider your credit card debt consolidation options. ... (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)

Credit card consolidation -- Methods for credit card consolidation and how to save money in interest and finance charges. ... (more)

Strategies for escaping a too-expensive auto lease -- If you signed an lease that turns out to be unaffordable, you have a few options, but most aren't pretty. ... (See Lease)

Leaving debt behind in another country -- Although credit scores don't cross borders, don't bank on being able to just move away from your money troubles. ... (See Bailing on debt)

The pros and cons of credit union credit cards -- Credit unions -- banks' nonprofit competitors -- can offer cards with low APRs and late fees and often beat banks in customer service surveys. But they aren't for everyone ... (See Credit union credit cards)

Card issuers, customers 'maxed-out' in frustrating holiday season -- Credit card issuers cutting credit lines. Cardholders strapped for cash. Both sides of the credit card equation are being squeezed, causing some uncomfortable situations at the cash register this holiday season. ... (See Maxed out)

Your monthly credit card statement gets a makeover -- Credit card issuers have begun to roll out new monthly statements to their customers. The makeovers were required by new federal rules that take full effect July 1, 2010. ... (See Changes)

Ignoring old debt can come back to haunt -- Lenders view delinquent, but paid off debt better than delinquent unpaid debt. ... (See Bad debt)

Giving the gift of flight with airline gift cards -- Anyone considering giving an airline gift card should make sure all the terms and conditions won't prevent redemption ... (See Airline gift cards)

The wisdom of bailing family members out of debt -- if that fresh start comes too easily, in a few years they can be back in line looking for another fresh start, and another. ... (See Helping out)

How to manage credit card accounts until new rules kick in -- Even though regulators have approved tough new credit card rules, consumers still must watch out for tricks and traps of the credit card game. Here's a checklist of what to do. ... (See Coping)

What the new credit card rules don't cover -- New credit card industry rules are the most significant in three decades, but they don't go far enough to protect consumers from credit card abuses, lawmakers and advocates say. Here's what's missing. ... (See New rules)

Credit union regulator approves new credit card rules -- New rules will fundamentally change the way credit cards operate, but won't take effect until July 1, 2010. Consumer advocates say that's too long to help families struggling with debt in today's economy. ... (See Card rules)

Thrift group approves new credit card rules -- One of three federal regulatory agencies approves sweeping new credit card rules. Fed and credit union group expected to follow suit. ... (See Card rules)

Understanding credit card minimum payments -- Your credit card's minimum-payment-due amount can be a mysteriously shifting figure that makes a significant impact on the monthly budget. We'll help you solve the riddle. ... (See Minimum)

Gifts that give twice: Charitable gift cards -- Give more meaning and economize your holiday gift giving by purchasing gifts that give twice -- charity gift cards. ... (See Charity)

Give more with less through charity credit cards -- If you're skipping your charity's annual black-tie fundraiser to make ends meet this season, try giving with a charity credit card to give a little back without affecting your budget. ... (See Giving back)

7 tips to avoid a credit card late fee -- Being even a minute late with a credit card payment can cost you dearly -- as much as $39 each time, according to one recent survey -- but some simple steps can help keep your exposure to these extra costs to a minimum. ... (See Late fees)

Creating a plan to pay off $60,000 in credit card debt -- A reasonable amount of time to pay off unsecured debt is five years or less, so in order to pay off $60,000, expect to pay about $1,300 a month ... (See $60,000)

Just say no to store credit cards -- There are too many reasons why you shouldn't want a credit card for every store in the mall, so pass up those one-time discounts. ... (See Stores)

Keeping your credit score clean before you close on a home -- Unwitting homebuyers who go on a credit card binge risk losing their pre-approval status and financing. ... (See Homebuyers)

Deferred interest, same as cash; Play the game right or you lose -- It's tempting: "No payments until 2010." Find out the how deferred interest payment programs work, the best way to use them and what happens if you don't pay on time. ... (See Deferred interest)

The rules behind getting a free credit report -- FACTA provides that the three major credit reporting bureaus must provide a free copy of your credit report every 12-month period. ... (See FACTA)

Student credit card issuers losing their welcome on campus -- Despite the big money many colleges earn from making deals with card issuers, some schools and states are clamping down on giving banks access. ... (See Unwelcome)

Tips for college students considering credit cards -- Consumer advocates and college officials offer advice to students who may not be familiar with the world of credit cards ... (See Credit)

Elderly mother can't pay $14,400 in credit card debt -- An 83-year-old woman can't meet her minimum credit card payments on $14,400 in credit card debt. ... (See Helping mom)

10 tips for graduating from subprime to prime credit cardholder -- While most people wisely avoid subprime cards -- which feature low credit limits, high annual fees and sky-high annual percentage rates -- they are one of the best ways for consumers boost their credit before graduating to a more attractive card, experts say. ... (See Prime)

Card issuers increasingly quick to close dormant, inactive accounts -- The message these days from credit card issuers to customers who aren't using their plastic is a blunt one: Use it or lose it. ... (See Dormant)

Got bad credit? Know your bad credit credit card choices -- Those with bad credit have choices -- some dangled by predators looking to make their money problems worse. ... (See Danger)

Banks focus mailings on current customers, not new ones -- Fearful of taking on more risk in today's economic environment, banks are choosing to focus on keeping current credit card customers rather than acquiring new ones, according to direct mail data from Chicago-based Mintel Comperemedia. ... (See Mailings)

10 creative -- or desperate -- uses for credit cards -- The pieces of plastic in your wallet are good for more than spending. In a pinch, they can scrape ice from a window, pick a guitar and more. ... (See Ice scraper)

How to talk to creditors when you can't pay credit card bills -- A step-by-step guide to talking with creditors when there isn't enough cash for a complete payment. ... (See Deal)

How debt settlement works, how it affects credit scores, how to choose a firm -- Debt settlement lets you escape part of your debt, but at a price to your credit score. ... (See Score)

When collectors come after you for ex's unpaid debt -- It's an all-too-common problem: Your ex defaults on credit card debt on a joint account, so collectors are coming after you. What are your options? ... (See Ex-spouse)

13 tips to protect yourself on Black Friday, Cyber Monday -- Black Friday and Cyber Monday aren't just big days for shoppers -- ID thieves look forward to them, too. We'll give you tips to make sure that your identity is safe and secure when you shop online or in the stores. ... (See Shopping safely)

If dear old dad steals your identity, turn him in -- When a parent commits identity fraud against a child, emotions can run high. But given the choice between protecting your parent or your good name, choose the latter. ... (See Parental ID theft)

Protecting your children from identity theft -- Since years can pass before their crime is detected, identity thieves increasingly target children. ... (See Child ID theft)

Step-by-step guide to checking your minor child's credit -- If there are indications your child's identity has been stolen, these steps will help you successfully contact the credit bureaus to check. ... (more)

Help! My APR's been hiked to 27.99 percent -- Credit's tight and your card issuers are reacting by boosting interest rates. Your choices are either to pay off the balance or transfer to another card. ... (See Balance transfer)

Paying less than minimum won't ward off garnishment -- Paying less than the minimum amount won't ward off garnishment. It's best to contact creditors directly to work out a payment plan. ... (See Small payments)

Debt collectors to debtors: Let's make a deal -- The tough economy is forcing debt collectors to rethink how they do business. Many will now accept down payments and a little each month from cash-strapped debtors. ... (See Debt)

Pros and cons of various sources of home down payments -- Down payments are once again a must to qualify for a mortgage. There are many sources, each with its own advantages and drawbacks. ... (See Sources)

Credit card cash advances for a home down payment? Not smart -- With no-money-down mortgages gone, lenders say they sometimes see buyers draw credit card cash advances to make their home down payments. ... (See Cash advance)

Consumer credit report statement sample letters -- Our collection of sample letters -- tailored to satisfy each of the Big Three credit bureaus and fit several situations -- can help you plead your case on your credit report. ... (See Samples)

Higher limit or second card will impact your credit score -- If you think your credit limit's too low, you may consider either asking your current issuer for a higher limit or getting a second card. Either way, don't forget to consider the impact the move will have on your credit. ... (See Credit limits)

How the Amish deal with credit cards -- The Amish are famous for being credit-averse and widely believed not to have credit cards, though the truth is many of them do. ... (See Amish)

Building a credit history without credit cards -- Living without credit cards can lead to a "thin" credit file where lenders don't have enough evidence that you are a good credit risk. ... (See Thin file)

Credit card debt forgiveness? Forget about it, OCC says -- The Office of the Comptroller of Currency issued a response to a proposal to forgive some borrowers' credit card debts. No way, OCC says. The plan was supported by the banking industry and consumer groups. ... (See No way)

7 tips for handling your first credit card -- When college students and credit cards mix, the results can be troubling. Here are seven helpful hints to keep yourself or your kids from falling quickly into the debt trap. ... (See Tips)

CreditCards.com's credit crunch survival guide -- Credit's getting tougher to come by these days, and this credit crunch impacts virtually every American. So what is a consumer to do? It depends on how you use your card. With that in mind, we've created this guide to help you make your way. ... (See Crunch)

Disabled vet seeks relief from credit card debt -- A disabled veteran living on a fixed government income is overcome by credit card debt and seeks a way out. ... (See Help!)

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. ... (See Rental car)

Take control of debt, avoid bankruptcy -- Bankruptcy is not the easy solution to debt reduction -- it's expensive, takes time and paperwork and destroys your credit rating for almost a decade. ... (See Bankruptcy)

Credit card insurance: don't believe the hype -- Credit card insurance sounds like a great deal: For mere pennies on every $100 of debt, your credit card bills will be paid even if you don't have the money. Sounds like a bargain, right? As with everything in life, however, if it sounds too good to be true, it probably is. ... (See Insurance)

Credit card securities facing difficult times -- Securitized credit card debt portfolios of major card issuers are experiencing greater losses as economy slows and job losses increase. ... (See Delinquencies)

Opening Credits: Better credit can improve your job prospects -- Going for a first job? Great. Buff your credit report as well as your resume, because employers these days look at both ... (See Opening Credits)

Authorized user piggybacking: When should the credit ride end? -- Young people who ride their parents' credit scoring coattails through 'piggybacking' eventually need to go out on their own credit paths -- but carefully, experts say. ... (See Piggybacking)

Credit card addiction: How to break the spending cycle -- For compulsive buyers, the overwhelming need to buy is an obsession that can ruin finances, marriages, careers and even lives, say compulsive shopping addicts and researchers. ... (See Compulsive shopping)

Steps to avoid wage garnishment -- Leaving the country to escape credit card debt doesn't guarantee that it will be gone if and when you come back. ... (See No escape)

Consumer, lender groups join to ask Feds for credit card debt forgiveness -- Many consumers can no longer qualify for traditional debt reduction plans, two groups have asked to test a more generous debt-reduction plan. ... (See Debt plan)

Consumers, credit bureaus grapple with 'thin file' credit score problem -- Thin is good -- unless it's your credit file. There it can be a problem, since lenders are wary of consumers who haven't already taken out loans. ... (See Thin file)

How HUD evaluates nontraditional credit for FHA mortgages -- Here are some of the guidelines issued in 2008 by the U.S. Department of Housing and Urban Development for establishing and evaluating nontraditional credit histories. ... (more)

Surveys say: Americans report cutting back spending, debt -- Recent polls conducted by three different groups echo CreditCards.com "Taking Charge" survey: consumers are adapting to changing economy. ... (See Economy)

Money and credit lessons from the past -- Experts are telling us to pay off debt and stop charging. Here are some money management lessons from the past that can help break the credit card debt cycle. ... (See Save)

Credit card survey: They're not status symbols, they're just plastic -- Advertisements try to persuade us otherwise, but almost no one puts any weight in the brand or appearance of their credit cards, according to a new national survey. ... (See Branding)

Using retirement to pay off high debt isn't the answer -- Using retirement funds to pay down high credit card debt isn't the best solution. Creating a budget and living within your means is. ... (See Budget)

How wage garnishment works -- and how to avoid it -- Garnishment, a last-ditch effort to collect debt, can result in a court order seizing part of your wages freezing and then draining your bank accounts. Here's how it works -- and how to avoid it ... (See How garnishment works)

Learn the ABCs of credit scores, credit scoring -- Credit scores are intriciate, but increasingly important for consumers to know about. We'll break down the credit scoring basics. ... (more)

PNC to acquire National City banking, credit card interests -- PNC Financial Services Group Inc. will acquire banking and credit card issuer National City in a deal to be finalized by year's end. ... (See Merger)

Opting out of credit card affiliate marketing: 4 tips -- A law that went into effect Oct. 1, 2008, says businesses can't let its affiliates market to you without telling you first, and without giving you a simple way to opt out. ... (See Opt out)

Learn the three Cs of credit: Credit score, capacity to pay, collateral -- When deciding whether to finance an item over time, consider the three Cs of credit to see if it will hurt your credit score. ... (See Credit tips)

ABCs of credit card residual interest -- When you pay the full amount on your credit card statement and don't add any new charges, your balance is zero, right? Not necessarily. ... (See Interest)

Sold the house, have some cash, now what? -- Seniors who are downsizing need to pay off debt, create fixed-income investment income and have an emergency fund to cover financial surprises. ... (See Downsizing)

How to buy a car with a credit card -- and when not to -- Not all car dealers let you, but for those with rewards cards and faith in their ability to repay, buying a car with a credit card can make sense. ... (See New wheels)

New America Foundation paper seeks to avert next financial crisis -- A new paper offers ideas for regulating credit card industry practices. ... (more)

Debt collection goes virtual -- Companies are trying new ways to get delinquent borrowers to pay up. One firm recently launched a 'Virtual Collection Agent' that's being rolled out by several major issuers. ... (See Virtual collections)

Pay down debt or invest? Which is more important? -- With the financial markets so uncertain, is it wiser to pay down debt or keep investing for the future? ... (See 401(k) or debt?)

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. ... (See Money woes and kids)

Credit recovery advice: Start slow, do it right this time -- When pulling out of bankruptcy, it's important to understand how you got there in the first place in order to avoid getting there again. ... (See Credit limits)

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

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

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

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

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

August 2008 G.19 report from Federal Reserve on consumer spending -- The Federal Reserve's G.19 report, a key measure of consumer spending, showed consumers slowed their spending for the first time in a decade. ... (See G.19)

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

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

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

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

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

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

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

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

Pre-disaster financial preparedness checklist -- When natural disaster strikes, you have to react quickly to make sure your important financial records remain safe. This checklist will show you how ... (See Financial preparedness)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (See 2008 poll)

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

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

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

Surprise! Unexpected items can appear on a credit report -- Hoping to keep your credit score up? You’ll not only want to stay current with your credit card bills, mortgage payments and student loans -- you may also need to pay any outstanding library fines. ... (more)

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

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

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

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

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

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

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

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

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

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. ... (See Keep paying)

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)

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

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)

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)

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 ... (See Dispute merchant credit card charges)

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. ... (See credit card taboo)

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)

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)

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. ... (See Magic tricks)

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)

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. ... (See Lunch)

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)

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)

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)

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 -- Armed with a phone, a good payment history and lots patience for time on hold, To Her Credit columnist Sally Herigstad asked for and got lower interest rates on her credit cards ... (more)

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. ... (See Paperless)

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 ... (See Debt and death)

How to handle collection calls for a dead person's debt -- After a death, creditors may come calling. Here's a checklist what to ask, say ... (See Handling debt collection calls for a deceased relative or friend)

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. ... (See Paying income taxes)

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. ... (See Gas cards)

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. ... (See Gas cards)

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)

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

Credit 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 Millennials 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)

Forgiven credit card debt is often taxable: 1099-C forms follow debt settlement -- Tax attorneys and consumer advocates say many consumers aren't aware that forgiven credit card debt may be taxable income on a 1099-C form ... (See 1099-C form: Forgiven debt)

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)

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. ... (See See 'Tips for immigrants rebuilding credit')

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)

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. ... (See Guide to balance transfers)

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)

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 and medical costs rise for those with insurance, 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 may be able to pay your credit card off at the old rate, but you lose use of the card. ... (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 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 phone plus contactless credit card equals Yak, wave, buy -- 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. ... (See Regret)

Cure the debt hangover, shed credit card debt -- 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. ... (See 12 tips)

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: Should I do credit rehab myself? -- Credit counselor Todd Ossenfort, aka The Credit Guy, answers a 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)

The history of credit cards -- A history of credit cards, including the first general use credit card and the first charge card. ... (more)

Credit Freeze: Use it to prevent identity fraud -- Find out more about credit freezes, an effective way to fight identity fraud. ... (more)

The short, unhappy life of a credit card -- On average, a card lasts must three years before delamination, degaussing or (ulp!) scissors, so CreditCards.com asked one credit card to reminisce about its short unhappy life. ... (more)

Identity theft: Credit card dangers lurk on smaller websites -- Credit card dangers, such as identity theft, can pose a greater threat on smaller websites. ... (more)

Anatomy of a credit card -- Ever wonder what all those numbers mean, or what's on that black stripe? Find out here. ... (more)

Be cautious about opening store credit card accounts during the holidays -- Store credit cards may be appealing to shoppers looking to save money, but there are a number of reasons that initial 10% savings may not be enough to make having such a card a winning proposition. ... (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)

Q&A: How business startup nailed down credit card debt -- Learn how Home Artisan Authority used a credit card to start its successful business. ... (more)

Credit cards quickly fund charities, deliver tax deductions -- 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. ... (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 in the U.S. won't follow -- No matter how good your credit in the U.S., if you need to establish credit in a foreign country, expect to start over. ... (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 -- A CreditCards.com survey of the 16 frequent flier cards offered by 10 large issuers finds it's hard to book that coveted holiday seat, no matter how loudly the card company proclaims 'no blackout dates.' ... (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 -- Compare credit cards with ease and use the information to get the best deal. ... (more)

Credit freezes go national, get chilly welcome -- All three major credit bureaus have rolled out credit freezes as an identity theft fighting tool, but consumer rights groups say the changes don't go far enough. ... (more)

Disaster preparedness: Using credit cards wisely after catastrophes -- These nine questions and answers will help you use credit and credit cards wisely after a catastrophe ... (See Financial FAQs)

Cardholders in Wildfire Stricken CA Aided by Banks -- Banks are working with victims of the California wildfires. Learn how 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 steps to help older debtors get out of credit card debt -- Experts list 11 ways for middle-age adults to get finances in order and pay off credit card debt. ... (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)

Establishing credit for your children -- The demise of so-called 'piggybacking' has closed one avenue to getting kids a credit head start, but there are others. ... (more)

Bill Pay Priorities: Mortgage payment takes precedence over card payment -- The majority of homeowners will make house payments even if it affects other bills. Learn why at CreditCards.com. ... (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)

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)

Pro football credit cards debut from NFL, Bank of America -- Credit cards for the sports nut have gone pro, just in time for the kickoff of the National Football League season. ... (more)

Credit card offers continue even after bankruptcy -- It used to be difficult to get credit card offers after bankruptcy, but it has changed. ... (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. ... (more)

CreditCards.com editorial policy, 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)

Artist peddling designs for your credit card -- Anthony Adams makes unique credit card designs and skins. Read more at CreditCards.com. ... (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)

Fair Isaac to stop recognizing authorized user accounts -- FICO score developer Fair Isaac plans to introduce a new credit scoring model that does not recognize credit card accounts for authorized users. ... (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 up to $1,000 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 study shows Americans' feelings toward credit cards -- A new credit card study shows many people think credit cards are an easy way to fall into debt ... (more)

Online payment with credit cards makes paying bills easier -- Tired of writing checks? Learn where to start with online payments. ... (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. ... (more)

'Piggybacking' your way out of bad credit -- Consumers with bad credit can pay to 'piggyback' onto the credit card accounts of others in an effort to boost poor credit scores. ... (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 corporate credit card can affect personal credit scores -- Do you have a corporate credit card in your name? If not handled right -- by you or your company -- it can affect your credit score. ... (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)

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)

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)

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)

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 provide rental car damage coverage -- Your rental car may already be insured with credit card coverage. Learn more at CreditCards.com. ... (more)

Debt prevention tips -- Find debt prevention tips that will keep you stay in control of your credit cards. ... (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)

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)

Consumer debt could impact holiday retail sales -- Credit card debt impacting your holiday spending? You're not alone. ... (more)

4 ways to improve your credit score (without going crazy) -- Perfect credit scores are not necessary to get lenders' best rates. ... (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 reward points can translate into holiday gifts -- Reward credit card points can be redeemed for gift certificates or checks that can be used to buy Christmas gifts this holiday season. ... (See Points)

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. ... (See Holiday)

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. ... (See Senior debt)

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)

How to reduce credit card offers in the mail -- Federal law allows consumers to opt out of credit card offers. ... (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)

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

How to know credit card debt warning signs -- Find out if you're in danger of bad credit card debt. Read the signs at CreditCards.com. ... (more)

Credit card debt information (2006-2007) -- Listing of facts and statistics related to the credit card industry and personal debt. ... (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)

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)

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 -- fIt 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 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)

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)

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)

You might have credit card problems if... -- Find out if your credit card debt and problems are bad enough for a financial advisor. ... (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)

What to look for in credit card specials -- When looking for credit card special promotions, weigh carefully which will work best for you. ... (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)

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)

Using low APR credit cards to become debt free -- If you carry a balance, shop hard for a low interest rate card. ... (more)

Credit card tips that will help you maintain good credit -- Learn credit card tips on payments and account management that will help keep your debt under control. ... (more)

How to opt out of junk mail, e-mail and telemarketing solicitations -- Read tips on how to cut down on the number of unnecessary credit card applications. ... (more)

Credit Card Terms: A glossary of commonly used words and terms. -- Understand commonly used words, phrases, and acronyms in the credit card industry with this credit cards glossary. ... (more)

Online credit card applications: FAQ about CreditCards.com and your card application -- If you're wondering whether it's safe or smart to apply for a credit card here at CreditCards.com, it's both. Here are answers to frequently asked questions ... (more)

5 steps to eliminate credit card debt -- In five not-so-simple steps, learn how to eliminate charge card debt and take control of your finances. ... (more)