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Credit card news archive

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

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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)

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)

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)


Bad credit, credit repair Bad credit, credit repair
View all bad credit, credit repair stories

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)

Credit card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Seniors vulnerable to credit card fraud -- As people get older, even when they are intellectually still very sharp, it seems to become more difficult for them to determine who to trust and when ... (See Fraud)


Balance transfer, debt consolidation Balance transfer, debt consolidation
View all balance transfer, debt consolidation stories

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

Credit card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)


Breaking news Breaking news
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Discover, AmEx tie for tops in customer satisfaction -- American Express, the perennial leader in J.D. Power's ranking, shares the top satisfaction score for the first time since the survey started in 2007 ... (See J.D. Power)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)


Business credit cards Business credit cards
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Credit card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Can I pass on charge-back fees to my customers? -- When a customer disputes a charge directly with the card issuer, the merchant gets hit with a charge-back fee. Technically, you may be able to pass that on to the customer but it's probably not good business practice ... (See Charge-backs)

Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)


Cash back cards Cash back cards
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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)

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)


Cashing In Cashing In
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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)

Using prepaid cards to boost rewards -- Some options are drying up, but there are still ways to earn points by buying gift cards and reloadable products ... (See Manufactured spend)

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 account management Credit account management
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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)

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

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)


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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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)

Why was my credit card application denied? -- Ever had your credit card application denied? No one likes rejection, but there are a few things you can do to improve your chances of being approved ... (See Rejected)

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)


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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Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

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)

Paying card bill on time more important than credit utilization -- Maxing out your card will have a negative effect on your credit score, however, the potentially positive payment history might just be worth it ... (See Maxed out)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)

8 keys to safe credit, debit card use on campus -- Students who enter college also begin a lifelong journey with credit and debit card use. Here is how to do it safely ... (See Campus card safety)


Expert Q&A Expert Q&A
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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)

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

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)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
View all frequent flier programs, airline rewards stories

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 card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Using prepaid cards to boost rewards -- Some options are drying up, but there are still ways to earn points by buying gift cards and reloadable products ... (See Manufactured spend)


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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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)

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)

Renting a car? Know whether your card adds insurance -- Renting a car can put your credit card benefits into play, but only if you know what's covered and avoid the exclusions ... (See Rental car insurance)


Instant Approval Instant Approval
View all instant approval stories

Credit card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)


Legal, regulatory, privacy issues Legal, regulatory, privacy issues
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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)

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

Tips for detecting card theft -- Yes, there are crooks out there waiting to steal your card info, but if you're vigilant you can stop them before they do too much damage ... (See Theft)


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 rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)


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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Tips for detecting card theft -- Yes, there are crooks out there waiting to steal your card info, but if you're vigilant you can stop them before they do too much damage ... (See Theft)

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)


Research, statistics Research, statistics
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Discover, AmEx tie for tops in customer satisfaction -- American Express, the perennial leader in J.D. Power's ranking, shares the top satisfaction score for the first time since the survey started in 2007 ... (See J.D. Power)

Credit card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)


Reward programs Reward programs
View all reward programs stories

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 card interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Using prepaid cards to boost rewards -- Some options are drying up, but there are still ways to earn points by buying gift cards and reloadable products ... (See Manufactured spend)


Shopping Shopping
View all shopping stories

Renting a car? Know whether your card adds insurance -- Renting a car can put your credit card benefits into play, but only if you know what's covered and avoid the exclusions ... (See Rental car insurance)

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)


Speaking of Credit Speaking of Credit
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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)

Paying card bill on time more important than credit utilization -- Maxing out your card will have a negative effect on your credit score, however, the potentially positive payment history might just be worth it ... (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)


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 interest rates rise to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Tips for detecting card theft -- Yes, there are crooks out there waiting to steal your card info, but if you're vigilant you can stop them before they do too much damage ... (See Theft)

8 keys to safe credit, debit card use on campus -- Students who enter college also begin a lifelong journey with credit and debit card use. Here is how to do it safely ... (See Campus card safety)


The Credit Guy The Credit Guy
View all the credit guy stories

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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Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

Seniors vulnerable to credit card fraud -- As people get older, even when they are intellectually still very sharp, it seems to become more difficult for them to determine who to trust and when ... (See Fraud)

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)


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

Can I pass on charge-back fees to my customers? -- When a customer disputes a charge directly with the card issuer, the merchant gets hit with a charge-back fee. Technically, you may be able to pass that on to the customer but it's probably not good business practice ... (See Charge-backs)

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)


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)