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Credit card news archive

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

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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

Are sign-up rewards bonuses seasonal? -- If you're looking to get a points bonanza by signing up for a rewards credit card, timing can be critical. But figuring out when the next big bonus will be available is tricky ... (See Rewards)


Bad credit, credit repair Bad credit, credit repair
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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)


Breaking news Breaking news
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FICO's new credit score formula helps many, hurts some -- People with paid-off debt or medical debts will see scores rise with the new FICO math, while others will receive lower marks ... (See FICO formula)

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

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


Business credit cards Business credit cards
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How can I change our business's merchant category code? -- The wrong MCC for a hotel can short circuit charging privileges for corporate credit card holders and cost the hotel business. To fix the problem, you need to understand how the codes work ... (See MCC)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Should I pay my business's bills by credit card? -- Using plastic to pay contractors and other recurring business bills can be a good way to rack up rewards points and improve cash flow. But beware it does not become a crutch ... (See Business bills)


Cash back cards Cash back cards
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CreditCards.com 2014 retail credit card survey data -- Compare interest rates, rewards and more from this detailed comparison of 61 cards issued by 36 retailers. Part of CreditCards.com's 2014 Retail Store Card Survey ... (See Retail card data)

Retail card survey 2014: APRs higher, rewards complicated -- The cost of borrowing from your favorite retailer has gone up: The average APR on the credit cards from America's largest retailers has climbed more than 2 percentage points to 23.23 percent, according a new CreditCards.com survey. ... (See 2014 rewards survey)

How Sam's Club card changes affect business users -- As Sam's Club is transitioning to a new card with new cash-back rewards, it's time for businesses to look at whether to stick with them ... (See Business cash back)


Cashing In Cashing In
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Are sign-up rewards bonuses seasonal? -- If you're looking to get a points bonanza by signing up for a rewards credit card, timing can be critical. But figuring out when the next big bonus will be available is tricky ... (See Rewards)

Returning a gift? The buyer loses the rewards points -- To prevent users from gaming the system, credit card issuers usually dock your rewards points when you return an item, even if it was a gift ... (See Rewards returned)

Retail card survey 2014: APRs higher, rewards complicated -- The cost of borrowing from your favorite retailer has gone up: The average APR on the credit cards from America's largest retailers has climbed more than 2 percentage points to 23.23 percent, according a new CreditCards.com survey. ... (See 2014 rewards survey)


Credit account management Credit account management
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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)


Credit Card Help Credit Card Help
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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)

Having trouble making your credit card payments? -- Do your best to continue making minimum payments on your cards. For any cards that you are not able to pay, communicate regularly with the card issuer to let them know the status of your situation ... (See Late payments)


Credit card videos Credit card videos
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Video: How to dispute errors on your credit report -- It's important to check your credit report periodically to know where you stand and check for errors. If you see something wrong, here's how to get it corrected ... (See Credit report)

Video: 5 steps to secure smartphone data -- Your smartphone may be lost, stolen or hacked – and along with it goes your financial and personal data. To secure personal data on your smartphone, take these five simple steps ... (See Mobile data security)

What's your 'real' FICO score? All of the above -- Have you ever wondered why your FICO score varies from one time to the next? Today it's 700, tomorrow it's 720, a month later it's 785! Then the car dealer runs your credit report and informs you that your score is a mere 699! What happened? ... (See 'Real' score)


Credit Score Report Credit Score Report
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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)

Checklist for new graduates looking to rent 1st apartment -- New graduates faced with a tough job market have to crunch the numbers before deciding whether they can afford to leave the nest and get an apartment of their own ... (See 1st apartment)


Credit scores, credit reports Credit scores, credit reports
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Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)

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)

How to spot and prevent medical identity theft -- While credit card breaches have grabbed headlines, fraudsters have been homing in on an even more lucrative source of identity theft: medical records ... (See Medical ID theft)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

8 ways to get friends to repay a personal loan -- A pal was in a bind and turned to you for help. Sensing urgency, you agreed, but now you're not getting repaid and your frustration is growing as fast as the excuses ... (See Repay)

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


Expert Q&A Expert Q&A
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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

Are sign-up rewards bonuses seasonal? -- If you're looking to get a points bonanza by signing up for a rewards credit card, timing can be critical. But figuring out when the next big bonus will be available is tricky ... (See Rewards)

How can I change our business's merchant category code? -- The wrong MCC for a hotel can short circuit charging privileges for corporate credit card holders and cost the hotel business. To fix the problem, you need to understand how the codes work ... (See MCC)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Are sign-up rewards bonuses seasonal? -- If you're looking to get a points bonanza by signing up for a rewards credit card, timing can be critical. But figuring out when the next big bonus will be available is tricky ... (See Rewards)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Returning a gift? The buyer loses the rewards points -- To prevent users from gaming the system, credit card issuers usually dock your rewards points when you return an item, even if it was a gift ... (See Rewards returned)


Infographics Infographics
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Customers with overdraft protection pay quadruple in fees -- People who opt for overdraft protection on their debit transactions pay a lot more in total fees than other checking account users ... (See Overdraft protection fees)

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

Poll: Americans say they are careful with money -- While Americans say they are careful with their money, they are also saying they have bought more at the store than they meant to ... (See Saving money)


Innovations, features, new products Innovations, features, new products
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Customers with overdraft protection pay quadruple in fees -- People who opt for overdraft protection on their debit transactions pay a lot more in total fees than other checking account users ... (See Overdraft protection fees)

8 ways to get friends to repay a personal loan -- A pal was in a bind and turned to you for help. Sensing urgency, you agreed, but now you're not getting repaid and your frustration is growing as fast as the excuses ... (See Repay)

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)


Instant Approval Instant Approval
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Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

CreditCards.com 2014 retail credit card survey data -- Compare interest rates, rewards and more from this detailed comparison of 61 cards issued by 36 retailers. Part of CreditCards.com's 2014 Retail Store Card Survey ... (See Retail card data)

Card APRs locked at 15.03 percent for 5th week -- Aug. 6, 2014: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report Aug. 6)


Legal, regulatory, privacy issues Legal, regulatory, privacy issues
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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

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)


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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Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Card APRs locked at 15.03 percent for 5th week -- Aug. 6, 2014: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report Aug. 6)

Rates remain at 15.03 percent for 4th week -- July 30, 2014: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)


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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Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

New to US? A primer on how to create, build a credit history -- If you're new to the U.S., our credit reporting system can be daunting. Here's a primer on how to create and build a credit profile ... (See New credit)

When is a bankruptcy officially discharged? -- The day you no longer are responsible for debt repayment after you file for bankruptcy depends on whether you filed under Chapter 7 or Chapter 13 ... (See Discharge)


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

Health care companies turn to 'big data' -- More health care companies purchase intimate details about patients, such as their income and buying habits, and use it to make predictions about their health ... (See Health care data)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)


Reward programs Reward programs
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Are sign-up rewards bonuses seasonal? -- If you're looking to get a points bonanza by signing up for a rewards credit card, timing can be critical. But figuring out when the next big bonus will be available is tricky ... (See Rewards)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Returning a gift? The buyer loses the rewards points -- To prevent users from gaming the system, credit card issuers usually dock your rewards points when you return an item, even if it was a gift ... (See Rewards returned)


Shopping Shopping
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Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)

Understanding credit limits and how they work -- Understanding how charging and repayments work with your first card can save you from financial headaches in the future ... (See Credit limits)

CreditCards.com 2014 retail credit card survey data -- Compare interest rates, rewards and more from this detailed comparison of 61 cards issued by 36 retailers. Part of CreditCards.com's 2014 Retail Store Card Survey ... (See Retail card data)


Speaking of Credit Speaking of Credit
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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)

Understanding credit limits and how they work -- Understanding how charging and repayments work with your first card can save you from financial headaches in the future ... (See Credit limits)

Time-barred debt can still do damage even after 13 years -- Credit checks for mortgages go deep and collection efforts may restart, so even on a debt 13 years old, potential damage can linger ... (See Time-barred debt)


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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Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Understanding credit limits and how they work -- Understanding how charging and repayments work with your first card can save you from financial headaches in the future ... (See Credit limits)

New to US? A primer on how to create, build a credit history -- If you're new to the U.S., our credit reporting system can be daunting. Here's a primer on how to create and build a credit profile ... (See New credit)


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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Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)

Did Macy's ruin my credit when it closed, reopened my card account? -- A shopper is concerned that her credit score is ruined when Macy's closed her old card after issuing her a new one. Don't worry, Sally says ... (See Closed credit card)

Fines owed to city exempt from bankruptcy -- In most cases, back taxes, student loans, child support and fines owed to a governmental body are exempt from being discharged in bankruptcy ... (See Fines)


Your Business Credit Your Business Credit
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How can I change our business's merchant category code? -- The wrong MCC for a hotel can short circuit charging privileges for corporate credit card holders and cost the hotel business. To fix the problem, you need to understand how the codes work ... (See MCC)

Should I pay my business's bills by credit card? -- Using plastic to pay contractors and other recurring business bills can be a good way to rack up rewards points and improve cash flow. But beware it does not become a crutch ... (See Business bills)

Am I liable for business debt my partner hid? -- Your partner rang up debts before you even joined the firm, and now a collector is calling you. Don't trust the collector -- or your partner. Keep calm and call a lawyer ... (See Debt )


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)