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Credit card news archive

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

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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

How couples can pool miles, transfer points for award travel -- Some couples get the same rewards card to double up on points, but find combining them can be tricky. Check out our review of the fees and restrictions for some of the most popular programs ... (See Points)


Bad credit, credit repair Bad credit, credit repair
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Tax lien won't impact shared credit card -- When adding someone with a tax lien to your card as an authorized user, that won't open any doors to the Internal Revenue Service ... (See Uncle Sam)

Collectors see less credit card debt -- Credit card holders are less likely to get calls from a debt collector than in the past, because collectors have less card debt to pursue, industry surveys say ... (See Debt)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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Tax lien won't impact shared credit card -- When adding someone with a tax lien to your card as an authorized user, that won't open any doors to the Internal Revenue Service ... (See Uncle Sam)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Yay! 3 cards paid off. Now what? -- Paying off card debt brings immeasurable relief, but once the balance is zero, do you keep the cards open or close them immediately? ... (See Paid off)


Breaking news Breaking news
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Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

CFPB expands complaints system to prepaid cards, pawnshops -- The federal consumer watchdog significantly expanded its consumer complaints program to include an array of financial products found outside banks ... (See Complaints)

8 FAQs about the new EMV credit cards -- The way you use a credit card is about to change significantly as the U.S. catches up with the rest of the world and moves to cards. Here, in Q&A format, is what you need to know about the transition ... (See EMV FAQ)


Business credit cards Business credit cards
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Will a maxed out business card hurt my personal credit? -- Most small-business credit cards are backed by a personal guarantee, so maxing them out may affect your personal credit record. But the bigger question is why you need to do so in the first place ... (See Credit limit)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Anatomy of a credit card -- With the coming of chip cards, the anatomy of a credit card has become even more crowded. Do you know what all the parts are and what they do? ... (See Card anatomy)


Cash back cards Cash back cards
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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)

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)

Wal-Mart store card switch gives consumers reason to compare -- If you're a Wal-Mart or Sam's Club co-branded credit card holder, you're about to get a new credit card -- and with it comes a new reason to check up on the benefits of holding a co-branded card. ... (See Wal-Mart card switch)


Cashing In Cashing In
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How couples can pool miles, transfer points for award travel -- Some couples get the same rewards card to double up on points, but find combining them can be tricky. Check out our review of the fees and restrictions for some of the most popular programs ... (See Points)

Eat out often? Stuff yourself with rewards for dining -- If you dine out often, you may as well be earning extra credit card rewards on all those restaurant tabs. To choose the right card, consider the type of reward you want, the cost of the card and other reward-boosting options ... (See Dining rewards)

Giving miles or points through a gift registry -- Donating rewards points for that special day sound appealing, but gift registries are a poor deal compared with alternatives ... (See Gifting miles)


Credit account management Credit account management
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

30 renowned restaurants that don't take credit cards -- Some beloved eateries refuse to take credit cards from patrons, yet still find a way to thrive ... (See 'No credit card' restaurants)


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: 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)

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


Credit Score Report Credit Score Report
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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)

Tips for building credit before renting a home -- Landlords commonly check the credit history of potential renters; knowing and polishing yours can hand you the keys to a new home ... (See Credit check)


Credit scores, credit reports Credit scores, credit reports
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Collectors see less credit card debt -- Credit card holders are less likely to get calls from a debt collector than in the past, because collectors have less card debt to pursue, industry surveys say ... (See Debt)

Tax lien won't impact shared credit card -- When adding someone with a tax lien to your card as an authorized user, that won't open any doors to the Internal Revenue Service ... (See Uncle Sam)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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CFPB expands complaints system to prepaid cards, pawnshops -- The federal consumer watchdog significantly expanded its consumer complaints program to include an array of financial products found outside banks ... (See Complaints)

30 renowned restaurants that don't take credit cards -- Some beloved eateries refuse to take credit cards from patrons, yet still find a way to thrive ... (See 'No credit card' restaurants)

8 FAQs about the new EMV credit cards -- The way you use a credit card is about to change significantly as the U.S. catches up with the rest of the world and moves to cards. Here, in Q&A format, is what you need to know about the transition ... (See EMV FAQ)


Expert Q&A Expert Q&A
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

How couples can pool miles, transfer points for award travel -- Some couples get the same rewards card to double up on points, but find combining them can be tricky. Check out our review of the fees and restrictions for some of the most popular programs ... (See Points)

Will a maxed out business card hurt my personal credit? -- Most small-business credit cards are backed by a personal guarantee, so maxing them out may affect your personal credit record. But the bigger question is why you need to do so in the first place ... (See Credit limit)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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How couples can pool miles, transfer points for award travel -- Some couples get the same rewards card to double up on points, but find combining them can be tricky. Check out our review of the fees and restrictions for some of the most popular programs ... (See Points)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Eat out often? Stuff yourself with rewards for dining -- If you dine out often, you may as well be earning extra credit card rewards on all those restaurant tabs. To choose the right card, consider the type of reward you want, the cost of the card and other reward-boosting options ... (See Dining rewards)


Infographics Infographics
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Fewer Americans are delinquent on their bank cards -- Consumers' bank card delinquencies, already at historically low levels, dropped further in the first quarter of 2014. The American Bankers Association says it's a sign that more people are using cards as transaction tools instead of debt instruments ... (See Card delinquencies)

Debt reduction consumes millennials' budgets -- Almost 60 percent of millennials' income goes to paying off various types of debt, a study conducted for Wells Fargo shows. ... (See Millennials' budgets)

Biggest financial worries differ for millennials, boomers -- Almost a third of millennials said in a Wells Fargo poll that student loans were their biggest financial worry, while retirement was the biggest concern of baby boomers ... (See Boomers, millennials money worries)


Innovations, features, new products Innovations, features, new products
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

CFPB expands complaints system to prepaid cards, pawnshops -- The federal consumer watchdog significantly expanded its consumer complaints program to include an array of financial products found outside banks ... (See Complaints)


Instant Approval Instant Approval
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Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Rates rise for the second straight week: CreditCards.com Weekly Credit Card Rate Report -- July 9, 2014: Interest rates on new card offers rose Wednesday for the second consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, July 9, 2014)

Rates rise to 15.02 percent: CreditCards.com Weekly Credit Card Rate Report -- July 1, 2014: Interest rates on new card offers rose this week for the first time in two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, July 2, 2014)


Legal, regulatory, privacy issues Legal, regulatory, privacy issues
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Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

CFPB expands complaints system to prepaid cards, pawnshops -- The federal consumer watchdog significantly expanded its consumer complaints program to include an array of financial products found outside banks ... (See Complaints)

Collectors see less credit card debt -- Credit card holders are less likely to get calls from a debt collector than in the past, because collectors have less card debt to pursue, industry surveys say ... (See Debt)


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 interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Ways to pay off high-interest debt -- Saddled with expensive debt? Instead of looking for new creditors, figure out why you're in debt in the first place and what you can do to lower it ... (See High-interest debt)

Rates rise for the second straight week: CreditCards.com Weekly Credit Card Rate Report -- July 9, 2014: Interest rates on new card offers rose Wednesday for the second consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, July 9, 2014)


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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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)

Is it OK for merchants to accept credit cards from minors? -- If a parent has formally authorized a minor to use a credit card, accepting it isn't a problem. But getting some reassurances in writing is best practice ... (See Cards and minors)


New Frugal You New Frugal You
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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)

Debt settlement vs. credit counseling: similar aims, different means -- Both debt settlement companies and credit counselors run ads offering help in getting out of debt. But their tactics are very different ... (See Debt reduction)

Prepaying principal, paying ahead not the same -- Your auto lender would probably prefer you just pay ahead, since that won't cost them anything. But if you want to lower your costs, prepay the principal ... (See Prepaying)


Opening Credits Opening Credits
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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Yay! 3 cards paid off. Now what? -- Paying off card debt brings immeasurable relief, but once the balance is zero, do you keep the cards open or close them immediately? ... (See Paid off)

Small banks, credit unions keep debit rewards programs alive -- Three years after big banks started pulling the plug on debit card rewards programs, many small banks and credit unions are finding surprising success in offering similar rewards to their customers ... (See Debit rewards)


Research, statistics Research, statistics
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Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

Collectors see less credit card debt -- Credit card holders are less likely to get calls from a debt collector than in the past, because collectors have less card debt to pursue, industry surveys say ... (See Debt)

Fewer Americans are delinquent on their bank cards -- Consumers' bank card delinquencies, already at historically low levels, dropped further in the first quarter of 2014. The American Bankers Association says it's a sign that more people are using cards as transaction tools instead of debt instruments ... (See Card delinquencies)


Reward programs Reward programs
View all reward programs stories

How couples can pool miles, transfer points for award travel -- Some couples get the same rewards card to double up on points, but find combining them can be tricky. Check out our review of the fees and restrictions for some of the most popular programs ... (See Points)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Eat out often? Stuff yourself with rewards for dining -- If you dine out often, you may as well be earning extra credit card rewards on all those restaurant tabs. To choose the right card, consider the type of reward you want, the cost of the card and other reward-boosting options ... (See Dining rewards)


Shopping Shopping
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Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

Anatomy of a credit card -- With the coming of chip cards, the anatomy of a credit card has become even more crowded. Do you know what all the parts are and what they do? ... (See Card anatomy)

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)


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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Preapproved vs. pre-screened card offers: a big difference -- At first glance, a pre-approval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Yay! 3 cards paid off. Now what? -- Paying off card debt brings immeasurable relief, but once the balance is zero, do you keep the cards open or close them immediately? ... (See Paid off)


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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Tax lien won't impact shared credit card -- When adding someone with a tax lien to your card as an authorized user, that won't open any doors to the Internal Revenue Service ... (See Uncle Sam)

Ways to pay off high-interest debt -- Saddled with expensive debt? Instead of looking for new creditors, figure out why you're in debt in the first place and what you can do to lower it ... (See High-interest debt)

For co-signers, IRS won't count forgiven debt as income -- If you co-sign on a loan and the borrower defaults, you're on the hook for the debt, but if you reach a settlement, you shouldn't have to pay taxes on the forgiven amount ... (See Taxes and co-signing)


Your Business Credit Your Business Credit
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Will a maxed out business card hurt my personal credit? -- Most small-business credit cards are backed by a personal guarantee, so maxing them out may affect your personal credit record. But the bigger question is why you need to do so in the first place ... (See Credit limit)

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)

Keeping customers on contracts amid credit card churn -- For a gym owner, data breaches at other merchants are costly. As customers are reissued credit cards with new account numbers, some are dropping their auto-pay agreements ... (See Retaining customers)


Uncategorized Uncategorized
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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)

Tips for choosing a student credit card -- A student credit card can be a meaningful first step toward financial independence, a way of building the kind of credit that can ... (more)

Choosing a balance transfer credit card -- Balance transfers can be a great tool for managing finances, if you use them to strike a course toward freedom from debt, not to put yourself on a path toward more of it ... See Choosing a balance transfer card)