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Credit card news archive

Credit card news stories and articles archive at CreditCards.com.

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Pay-it-forward givers sometimes provide debt relief -- If someone does something nice for you, instead of returning the favor directly, you help someone else. It's called "paying it forward," and sometimes that help comes in the form of debt relief ... (See Pay it forward)

Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)

Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)


Bad credit, credit repair Bad credit, credit repair
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Pay-it-forward givers sometimes provide debt relief -- If someone does something nice for you, instead of returning the favor directly, you help someone else. It's called "paying it forward," and sometimes that help comes in the form of debt relief ... (See Pay it forward)

Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)

How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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Pay-it-forward givers sometimes provide debt relief -- If someone does something nice for you, instead of returning the favor directly, you help someone else. It's called "paying it forward," and sometimes that help comes in the form of debt relief ... (See Pay it forward)

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Angrily closing an unused card can hurt credit score -- After applying for a new balance transfer card, only to discover the credit limit too small, he closed the account in anger and now wonders if he acted too fast ... (See Closed card)


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

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

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


Business credit cards Business credit cards
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Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Don't travel? Opt for other business rewards -- If you don't travel much for business or pleasure, there's no point in getting a small-business credit card that specializes in travel rewards. Instead, look for a cash-back card or one that earns rewards you can use ... (See Business rewards)


Cash back cards Cash back cards
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Using points when holiday award seats are full -- There are a number of creative ways to use credit card points or perks to travel cheaply during busy periods ... (See Holiday travel)

6 rules for 'card flipping' -- While "flipping" cards to take advantage of promotional deals can lead to free travel and other perks, if you don't play the game correctly, you can trash your credit ... (See Flipping)

Buying a car with a credit card often an uphill fight -- Using a credit card to buy a car could give you consumer protections and perks. But most dealers hate the fees that go with accepting plastic, so you might have to wheel and deal ... (See Buying a car on credit card)


Cashing In Cashing In
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Using points when holiday award seats are full -- There are a number of creative ways to use credit card points or perks to travel cheaply during busy periods ... (See Holiday travel)

Premium cards can move you faster through airport security lines -- Premium travel credit cards can help get fliers to their gates faster but the service is not available in every airport ... (See Faster at airports )

Should I 'boost' my frequent flier miles on an upcoming trip? -- Airlines offer travelers the chance to buy miles at a discounted rate, but using cards or shopping portals can be a better value ... (See Miles)


Credit account management Credit account management
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Pay-it-forward givers sometimes provide debt relief -- If someone does something nice for you, instead of returning the favor directly, you help someone else. It's called "paying it forward," and sometimes that help comes in the form of debt relief ... (See Pay it forward)

Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)

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


Credit Card Help Credit Card Help
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How closing cards and student loans affects FICO scores -- Keeping cards active and paying loans on time is best way to maintain a strong credit score ... (See Credit scores)

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

What financial advice do millennials say they need? -- Millennials are confident about their financial knowledge, but they want advice about savings, budgeting and credit cards in particular ... (more)


Credit card videos Credit card videos
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Anatomy of a credit card account number -- Those numbers on the front of your credit card? They aren't just random. They give away specific information about your card and where it comes from ... (See Account number )

Video: the road to wage garnishment -- Garnishment is complex -- the rules vary by state, your employment status and your income. But it all starts with a failure to pay bills on time ... (See Wage garnishment)

5 credit card questions to ask before traveling overseas -- Before you hit the road, let your card issuer know where and when you'll be traveling, so it doesn't mistake those overseas charges with fraudulent activity. Then, start asking some questions ... (See Travel)


Credit Score Report Credit Score Report
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How closing cards and student loans affects FICO scores -- Keeping cards active and paying loans on time is best way to maintain a strong credit score ... (See Credit scores)

Don't expect big score boost when unpaid debt falls off credit report -- Is an old debt, charged off seven years ago, finally falling off your credit report? Sorry, but there's not likely to be a big rise in your score. It could even fall ... (See Old debts)

Not all free credit scores are created equal -- More than 25 million credit cardholders now have regular access to a credit score through their credit card issuers, but that free score may not be the comprehensive, tell-all number you think it is. ... (See Scores)


Credit scores, credit reports Credit scores, credit reports
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Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)

How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)

Angrily closing an unused card can hurt credit score -- After applying for a new balance transfer card, only to discover the credit limit too small, he closed the account in anger and now wonders if he acted too fast ... (See Closed card)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Don't be 'breakage' -- 7 tips to avoid losing gift card value -- About $1 billion worth of gift cards will go unused in 2014. The industry calls that lost value "breakage" or "spillage" and it means big profits for them and lost money for you ... (See Breakage)

6 ways to outsmart data brokers -- You can't stop data brokers from harvesting information on what you buy, how much you make and even how healthy you are. But you can limit what they see ... (See Data)

Pay by smartphone? Consumers wary, poll says -- A CreditCards.com poll shows consumers are wary of using their cellphone to make payments. But some experts say it's only a matter of time before most do ... (See Mobile payments)


Expert Q&A Expert Q&A
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Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)

Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)

How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Using points when holiday award seats are full -- There are a number of creative ways to use credit card points or perks to travel cheaply during busy periods ... (See Holiday travel)

Don't travel? Opt for other business rewards -- If you don't travel much for business or pleasure, there's no point in getting a small-business credit card that specializes in travel rewards. Instead, look for a cash-back card or one that earns rewards you can use ... (See Business rewards)


Infographics Infographics
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Where do we bank? Wherever we want, says poll -- A smaller percentage of consumers prefer Internet banking in 2014 compared to the previous year ... (See Banking preferences poll)

Cardholder delinquency at lowest level in at least 7 years -- Just 1.16 percent of American cardholders were 90 days delinquent, according to quarterly data from the credit bureau TransUnion ... (See Delinquent cardholders)

Big buys go on our credit cards, little ones on prepaid cards -- We are more likely to use credit cards for bigger charges, and prepaid cards for smaller purchases, according to a 2013 report by the Federal Reserve System ... (See Card charges)


Innovations, features, new products Innovations, features, new products
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Pay-it-forward givers sometimes provide debt relief -- If someone does something nice for you, instead of returning the favor directly, you help someone else. It's called "paying it forward," and sometimes that help comes in the form of debt relief ... (See Pay it forward)

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

Anatomy of a credit card account number -- Those numbers on the front of your credit card? They aren't just random. They give away specific information about your card and where it comes from ... (See Account number )


Instant Approval Instant Approval
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Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Credit card interest rates remain at 15.06 percent for 3rd week -- Sept. 10, 2014: Average credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates average 15.06%)

Credit card interest rates hold steady at 15.06 percent -- Sept. 3, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)


Legal, regulatory, privacy issues Legal, regulatory, privacy issues
View all legal, regulatory, privacy issues stories

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

Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)

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


Lets Talk Credit Lets Talk Credit
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How minimum payments are applied to small balances -- Don't slip up and forget a credit card payment when the balance is almost paid off. A late fee could be larger than your minimum payment ... (See Minimum)

0-percent balance transfer after debt in collections? Good luck -- Balance transfer offers aren't lifelines offered to people with bad credit, they're a deal for those who maintain good credit ... (See Balance transfer )

Tick-tock debt: Law gives 30 days to respond to collector -- When a debt collector makes first contact, federal law gives you the right to seek verification of the debt and to dispute it -- if you act quickly ... (See 30 day debt clock)


Low interest, zero percent cards Low interest, zero percent cards
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Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Credit card interest rates remain at 15.06 percent for 3rd week -- Sept. 10, 2014: Average credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates average 15.06%)

How balance transfer cards help or hurt credit scores -- Moving high-interest card debt to a 0 percent balance transfer card can help your credit scores, but only if you play by the rules ... (See Balance transfers and credit scores)


Maturing Loans Maturing Loans
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SBA disaster loans -- not just for business -- When disaster strikes, SBA loans may help -- even if you're a consumer. But it helps to know what to expect ... (See Disaster loans)

Help! Our supplier is trying to change our payment terms -- If a supplier is tightening credit, find out why and check your contract carefully. You may be able to fight the change or at least ask for the original terms as a courtesy ... (See Supplier credit)

Sample promissory note for loans to family, friends -- If you're lending to a relative or friend, you'll want to craft a written agreement. This sample promissory note spells out how and when you are to be paid, and what happens if the borrower doesn't repay the loan ... (See Sample promissory loan note)


Merchant accounts Merchant accounts
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Should your small business accept bitcoin? -- Five years into its existence, the virtual currency bitcoin is gaining legitimacy with major U.S. retailers. Small-business owners may find new opportunities in joining them, but should carefully weigh the risks before jumping in ... (See Bitcoin)

How can I protect my point-of-sale system against security breaches? -- Lax POS security can cost your small business steep fines from credit card issuers if your system is breached. Safe password practices are one of your best defenses ... (See POS security)

Fight payment processing fees in a medical payments -- Insurance companies and government agencies are increasingly using plastic and virtual credit cards to pay doctors. But practices can request other payment methods that carry lower fees ... (See Medical payments)


New Frugal You New Frugal You
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Pros and cons of charging automatic payments to a credit card -- Charging automatic payments on a credit card can be beneficial for busy consumers, but it also has its faults. Here are the pros and cons to think about ... (See Automatic payments)

Personal loan consolidation won't help win a mortgage -- In trying to qualify for a mortgage, it probably won't help to consolidate several small personal loans into a big one with a higher rate ... (See Consolidate)

Should I close card accounts to get a mortgage? -- While mortgage lenders want to minimize their risk, they usually just want credit card accounts paid off, not closed down ... (See Card accounts and mortgages)


Opening Credits Opening Credits
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Angrily closing an unused card can hurt credit score -- After applying for a new balance transfer card, only to discover the credit limit too small, he closed the account in anger and now wonders if he acted too fast ... (See Closed card)

Best ways to manage a secured card -- Before you apply for a secured card, it's best to know what fees will be charged and whether that card will be the best fit for your credit profile ... (See Secured cards)

Preparing your cards for overseas travel -- Planning a trip abroad? Make sure your card (and a backup card) has EMV chip technology, no foreign transaction fees and notify your issuer of your plans ... (See Cards abroad)


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

Where do we bank? Wherever we want, says poll -- A smaller percentage of consumers prefer Internet banking in 2014 compared to the previous year ... (See Banking preferences poll)

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)


Reward programs Reward programs
View all reward programs stories

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Using points when holiday award seats are full -- There are a number of creative ways to use credit card points or perks to travel cheaply during busy periods ... (See Holiday travel)

Don't travel? Opt for other business rewards -- If you don't travel much for business or pleasure, there's no point in getting a small-business credit card that specializes in travel rewards. Instead, look for a cash-back card or one that earns rewards you can use ... (See Business rewards)


Shopping Shopping
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Don't be 'breakage' -- 7 tips to avoid losing gift card value -- About $1 billion worth of gift cards will go unused in 2014. The industry calls that lost value "breakage" or "spillage" and it means big profits for them and lost money for you ... (See Breakage)

6 ways to outsmart data brokers -- You can't stop data brokers from harvesting information on what you buy, how much you make and even how healthy you are. But you can limit what they see ... (See Data)

Buying a car with a credit card often an uphill fight -- Using a credit card to buy a car could give you consumer protections and perks. But most dealers hate the fees that go with accepting plastic, so you might have to wheel and deal ... (See Buying a car on credit card)


Speaking of Credit Speaking of Credit
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How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)

Charge a lot? Pay early and often to avoid score damage -- Even if you pay your balance off in full and on time each month, if you are charging close to your credit limit, don't expect a high credit score ... (See Pay often)

Closing 50 cards without damaging credit score -- With an 800+ FICO score at stake, the account-closing strategy should be to take it slow and shut down the newest and smallest accounts ... (See Too many cards)


Spotlight: People and their plastic Spotlight: People and their plastic
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'Supersurvivors' author: Crises carry profound financial impacts -- In the book 'Supersurvivors,' Lee Daniel Kravetz and his co-author looked at those who survived crises and found virtually every type of traumatic event, even if not primarily financial, has profound financial consequences ... (See Supersurvivors)

Capital One's rewards chief: Expect a busy travel season -- In a Q&A, Capital One's rewards vice president Amy Lenander discloses it will be a busy summer season, and what the future holds for rewards ... (See Summer rewards)

'Dragnet Nation' author Julia Angwin: May I have my privacy back? -- The Pulitzer Prize-winning reporter's book investigates who is watching us online, what they're doing with the data (including selling it), and why it matters. ... (See 'Dragnet Nation')


Student credit cards, young credit Student credit cards, young credit
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How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

Angrily closing an unused card can hurt credit score -- After applying for a new balance transfer card, only to discover the credit limit too small, he closed the account in anger and now wonders if he acted too fast ... (See Closed card)


The Credit Guy The Credit Guy
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Kim McGrigg: Are 'free miles' really free? -- Frequent flier rewards cards usually carry annual fees, so that free flight isn't truly free, but if you handle your card right it can be pretty close ... (See Frequent flier)

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

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


To Her Credit To Her Credit
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Odds slim when suing authorized user for unpaid debt -- You can go after a used-to-be friend in court for not paying you back for charges on your card. You could also ask nicely or write it off ... (See Suing an authorized user)

Be careful with inheritance, spending before bankruptcy filing -- If you're about to file for bankruptcy, what do you do when you know you're about to inherit some money? Can you spend it? ... (See Inheritance)

How balance transfer cards help or hurt credit scores -- Moving high-interest card debt to a 0 percent balance transfer card can help your credit scores, but only if you play by the rules ... (See Balance transfers and credit scores)


Your Business Credit Your Business Credit
View all your business credit stories

Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)

Don't travel? Opt for other business rewards -- If you don't travel much for business or pleasure, there's no point in getting a small-business credit card that specializes in travel rewards. Instead, look for a cash-back card or one that earns rewards you can use ... (See Business rewards)

Will an ITIN help me get a business card without a personal guarantee? -- Avoiding use of a Social Security number when applying for a small-business credit card is difficult. A few people may be able to use an individual taxpayer identification number, but most Americans can't get one ... (See ITIN)


Uncategorized Uncategorized
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Tips for choosing a rewards credit card -- A rewards card can be a great choice for the right kind of cardholder. After all, who doesn't love a gift? You can earn ... (more)

0 percent credit cards: a sweet deal if played right -- A credit card with an introductory 0 percent APR is one of the best deals in personal finance. It's also one of the most ... (more)

Tips for choosing a business card -- One of the primary benefits of a business card is to separate your personal finances from your business account. This helps limit your personal risk ... (more)