Credit account management

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. ... (more)

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. ... (more)

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 ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

As time runs out, don't blow first-time home buyer tax credit -- 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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Guru goofs: 7 personal finance experts confess biggest mistakes -- Famous financial experts divulge details about past bankruptcies, overdrafts and budgeting gone wrong. ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

States' weapon of choice against ID theft: Transparency -- Until recently, if ID thieves stole your credit card data, you were kept in the dark. But new state laws force firms to reveal what they used to keep secret. ... (more)

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. ... (more)

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. ... (more)

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 accountholder 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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

What you stand to lose if you don't pay your credit card bill -- A readers 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. ... (more)

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. ... (more)

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.. ... (more)

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. ... (more)

Script to negotiate a better credit card deal -- 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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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 ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

Learn your options when dealing with crushing medical debt -- Communicate, and secure your housing and transportation first, says The Credit Guy. ... (more)

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. ... (more)

Credit card charge-offs, delinquencies reverse upward trend -- Credit card charge-offs and delinquencies showed first signs of slowing down in July 2009. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

8 steps to reducing credit card debt -- This structured, disciplined plan will help you bat down credit card debt and regain financial control. ... (more)

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

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

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 regulator that oversees the bank, credit union or savings institution. ... (more)

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. ... (more)

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. ... (more)

A guide to navigating through bankruptcy -- If you find yourself among the growing number of people filing for bankruptcy, or think that it's the only way out, we can help you navigate through these tough times. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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 and giving consumers the right to opt out of rate increases. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Bankruptcy filings return to pre-reform-law pace -- Largely due to the recession, a 2005 law clamping down on filing had only temporary impact. ... (more)

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. ... (more)

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. ... (more)

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 up?" -- that doesn't have a quick, easy answer. ... (more)

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. ... (more)

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. ... (more)

Your options when credit card minimum payments skyrocket -- Credit card issuers can change conditions on short notice, including the minimum payment. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Study: Credit card statements 'virtually incomprehensible' -- Research finds that indecipherable credit card statements aren't just an American problem; they cause head-scratching worldwide. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

A comprehensive 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. ... (more)

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. ... (more)

Credit card foreign transaction fees going up -- Find out how much using your credit and debit cards will ultimately cost you as some have increased their foreign exchange fees. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

'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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Obama signs credit card reforms into law -- His signature starts the enactment clock ticking on new consumer protections. ... (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. ... (more)

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. ... (more)

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. ... (more)

Personal finance experts reveal which credit cards they use and why -- Personal finance experts reveal which credit cards they use -- and why. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Why do credit cards have expiration dates? -- When your credit card renews, it's important to re-evaluate and renew any automatic payments. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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 ... (more)

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 ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

Credit Card Help: What the new credit card law means for you -- Now that the first portions of the Credit CARD Act of 2009 have gone into effect, here's how its provisions will affect you. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Chase cancels $10 monthly fee -- Citing "customer feedback," Chase Card Services cancels a controversial $10-a-monthly maintenance fee for some 400,000 customers. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

'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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

4 reasons you should get a department store credit card -- Often (and justly) maligned, retail store cards sometimes can help. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Couples should debt plan when estate planning -- Avoid headaches for surviving spouses by taking responsibility for debt balances into estate planning. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

How to keep debt collectors at bay -- No matter what your circumstances, you have the legal right to ask collectors to stop harassment ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

Your future monthly credit card statement -- Federal regulators have asked credit card issuers to make monthly statements sent to millions of credit card users easier to understand. The deadline for the changes to take effect is July 1, 2010, although some issuers may roll out revamped statements sooner. ... (more)

Ignoring old debt can come back to haunt -- Lenders view delinquent, but paid off debt better than delinquent unpaid debt. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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 ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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. ... (more)

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. ... (more)

Protecting your children from identity theft -- Since years can pass before their crime is detected, identity thieves increasingly target children. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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

U.S. retail store credit card comparison table -- Here are the top issuers of retail store credit cards, both those offered by the retailers themselves and those offered by banks. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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. ... (more)

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? ... (more)

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

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. ... (more)

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

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

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

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

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

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. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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. ... (more)

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

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

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. ... (more)

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

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

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

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

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

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

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

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)

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

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

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

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

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

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

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

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

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. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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)

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. ... (more)

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

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

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

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

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

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

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. ... (more)

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. ... (more)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Ask The Credit Guy: 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 Web sites -- Credit card dangers, such as identity theft, can pose a greater threat on smaller Web sites. ... (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)

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

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

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

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

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

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

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

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

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

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

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

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

Moving abroad? Your credit history 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 during catastrophes -- These 9 questions and answers will help you use credit and credit cards wisely in a catastrophe. ... (more)

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

Pre-disaster financial preparedness checklist -- If there's an disaster, you have to react quickly to make sure your important financial records remain safe. This checklist will show you how. ... (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 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 towards 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)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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)