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Credit card news archive

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

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When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Bad-check collectors come under fire -- Debt collector posing as prosecutor gets hit with federal regulator's crackdown ... (See Bad-check collectors)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)


Bad credit, credit repair Bad credit, credit repair
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Bad-check collectors come under fire -- Debt collector posing as prosecutor gets hit with federal regulator's crackdown ... (See Bad-check collectors)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Near retirement age is the worst time to raid 401(k) -- When in your 50s, with retirement in sight, don't use your 401(k) as a piggy bank for a child's college and to pay off card debt. You need a financial plan more than a quick cash fix ... (See Near retirement)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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Husband opened cards, ran up debt in your name? It's fraud -- After her husband racked up thousands on cards he opened in her name, step one in cleaning up the mess is reporting his fraud ... (See Husband fraud)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold steady at 14.87 percent -- March 18, 2015: Average rates on new credit card offers held firm Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Breaking news Breaking news
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Bad-check collectors come under fire -- Debt collector posing as prosecutor gets hit with federal regulator's crackdown ... (See Bad-check collectors)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)


Business credit cards Business credit cards
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Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold steady at 14.87 percent -- March 18, 2015: Average rates on new credit card offers held firm Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold at 14.87% for third week -- March 11, 2015: The national average APR for new card offers remained unchanged Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Cash back cards Cash back cards
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Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

When to close an annual-fee card -- Closing a credit card can lower your credit score a bit, but if your annual fee is due and a more rewarding card beckons, it's probably worth it ... (See Annual fee)

Gas card survey finds pedestrian rewards -- When it comes to rewards, the most venerable of credit cards -- gas-brand cards -- remain stuck in the slow lane, with high APRs and limited paybacks. They remain useful for credit-building or a quick burst of savings ... (See Gas card survey)


Cashing In Q&A columns Cashing In Q&A columns
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Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Apple Pay fees could upset the rewards cart -- Fees on banks to include their credit cards in Apple Pay could lead to rewards cutbacks someday, but so far there's no evidence it will happen ... (See Apple Pay)

When to close an annual-fee card -- Closing a credit card can lower your credit score a bit, but if your annual fee is due and a more rewarding card beckons, it's probably worth it ... (See Annual fee)


Credit account management Credit account management
View all credit account management stories

When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)


Credit Card Help Credit Card Help
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Gas card survey finds pedestrian rewards -- When it comes to rewards, the most venerable of credit cards -- gas-brand cards -- remain stuck in the slow lane, with high APRs and limited paybacks. They remain useful for credit-building or a quick burst of savings ... (See Gas card survey)

Financing a new laptop? Do the math first -- A 0-percent finance deal to buy a new computer is almost too good to pass up for one consumer. But being new to credit, this might not be the best way to go ... (See Financing)

Trip canceled? Your credit card may reimburse you -- How much of your trip's travel insurance is already covered by your credit card? Some cards offer reimbursements on failed travel plans ... (See Trip cancellation)


Credit card videos Credit card videos
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Debit cards: PIN vs. signature at checkout -- You've swiped your debit card. Now the machine asks you to choose 'credit' or 'debit' to process the transaction. The question is better phrased as 'PIN' or 'signature' and the answer depends on how you use the card ... (See PIN vs. signature)

Credit card agreement -- Quick guide -- Your credit card terms and conditions can be a little overwhelming. But when signing up for a new card, it's important to know what you're getting into. We've created this short list of the most important terms to watch for ... (See Terms and conditions video)

Apple Pay vs. Google Wallet vs. Softcard -- a mobile wallet review -- CreditCards.com tried out Apple Pay, Google Wallet and Softcard to see how they stack up against each other -- and your old-fashioned wallet ... (See Compare mobile)


Credit scores, credit reports Credit scores, credit reports
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When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Length of credit history matters more when you're young -- When new to credit, it takes time to boost the length of your credit history. With each new account opening, you cut your average age of accounts, so open new cards sparingly ... (See Young credit)


Credit Wise Credit Wise
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Near retirement age is the worst time to raid 401(k) -- When in your 50s, with retirement in sight, don't use your 401(k) as a piggy bank for a child's college and to pay off card debt. You need a financial plan more than a quick cash fix ... (See Near retirement)

If your credit's all grown up, ditch that $300 'starter card' -- If that $300 "starter card" you got as a credit whippersnapper hasn't evolved with you, get rid of it and enjoy the benefits that come with a higher-limit grown-up card ... (See Starter card)

Applying repeatedly for credit after being turned down makes it worse -- If your response to being turned down for credit has been to apply over and over again, stop. You're making it worse. Before you do anything else, find out why ... (See Stop applying)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Debit cards: PIN vs. signature at checkout -- You've swiped your debit card. Now the machine asks you to choose 'credit' or 'debit' to process the transaction. The question is better phrased as 'PIN' or 'signature' and the answer depends on how you use the card ... (See PIN vs. signature)

Mobile payment statistics -- Mobile payments are taking off, but how high will this technology fly? We sort through the best statistics on the evolving pay-by-phone industry ... (See Mobile payment stats)

Online payment statistics -- Once upon a time, a brick-and-mortar store was the center of the shopping universe. But online shopping has become the norm for many, and continues to grow ... (See Online payments statistics)


Expert Q&A Expert Q&A
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When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Disputing an auto repair chargeback is possible but time-consuming -- A warranty, labor costs and 500 miles of distance all complicate a chargeback that a car repair shop says is not legit. But there are ways to dispute the complex complaint ... (See Chargeback)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Infographics Infographics
View all infographics stories

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Consumers trust their own bank to safeguard personal info -- Americans trust their banks the most and social networking the least to keep their personal information secure, a Gallup poll finds ... (See Information security)

Banks still rely on branches to start accounts -- While banks long ago embraced online banking transactions, they still rely on branches to originate most types of accounts, research by Celent finds ... (See Online financial products)


Innovations, features, new products Innovations, features, new products
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Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Mobile payment statistics -- Mobile payments are taking off, but how high will this technology fly? We sort through the best statistics on the evolving pay-by-phone industry ... (See Mobile payment stats)


Instant Approval Instant Approval
View all instant approval stories

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold steady at 14.87 percent -- March 18, 2015: Average rates on new credit card offers held firm Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold at 14.87% for third week -- March 11, 2015: The national average APR for new card offers remained unchanged Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Legal, regulatory, privacy issues Legal, regulatory, privacy issues
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Bad-check collectors come under fire -- Debt collector posing as prosecutor gets hit with federal regulator's crackdown ... (See Bad-check collectors)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Mobile payment statistics -- Mobile payments are taking off, but how high will this technology fly? We sort through the best statistics on the evolving pay-by-phone industry ... (See Mobile payment stats)


Low interest, zero percent cards Low interest, zero percent cards
View all low interest, zero percent cards stories

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold steady at 14.87 percent -- March 18, 2015: Average rates on new credit card offers held firm Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Merchant accounts Merchant accounts
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Disputing an auto repair chargeback is possible but time-consuming -- A warranty, labor costs and 500 miles of distance all complicate a chargeback that a car repair shop says is not legit. But there are ways to dispute the complex complaint ... (See Chargeback)

Merchant guesses card expiration date to renew subscription -- No laws specifically prohibit subscription-based businesses from guessing a customer's card expiration date to auto-renew their payments, but the practice is iffy ... (See Card expiration)

6 steps to protect a very small business from ID theft -- Attention to security issues is often lacking among the self-employed and micro-business owners. But protecting your company's and your clients' financial data is critical to avoiding a disaster that could tank your business dreams ... (See Business data security)


Opening Credits Opening Credits
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When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Don't let fear compel you to cancel your first card -- You may have been raised to believe that cards can lead to a life of debt, but if you handle them responsibly, they are great tools to build a positive credit rating ... (See First card)

Bankruptcy should be removed automatically from credit reports -- The notation that you have filed a Chapter 13 or Chapter 7 bankruptcy should be deleted automatically from your credit reports after seven or 10 years -- but you better check ... (See Bankruptcy)


Research, statistics Research, statistics
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Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Mobile payment statistics -- Mobile payments are taking off, but how high will this technology fly? We sort through the best statistics on the evolving pay-by-phone industry ... (See Mobile payment stats)


Reward programs Reward programs
View all reward programs stories

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Shopping Shopping
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Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Mobile payment statistics -- Mobile payments are taking off, but how high will this technology fly? We sort through the best statistics on the evolving pay-by-phone industry ... (See Mobile payment stats)


Speaking of Credit Speaking of Credit
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Length of credit history matters more when you're young -- When new to credit, it takes time to boost the length of your credit history. With each new account opening, you cut your average age of accounts, so open new cards sparingly ... (See Young credit)

How payments are allocated on a card with different rates -- Will a payment that is over the minimum amount go straight to the latest charge? Where payments are allocated to on your card ... (See Payment allocation)

How credit score formula handles multiple credit inquiries -- FICO uses a 30-day buffer and a process called "deduplication" on multiple inquiries for a mortgage or car loan, in effect counting them as one. But that doesn't apply to credit card shopping ... (See Multiple inquiries)


Spotlight: People and their plastic Spotlight: People and their plastic
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Q&A 'Future Crimes' author Marc Goodman -- Technology is rapidly evolving and so is cybercrime. Marc Goodman, author of "Future Crimes: Everything Is Connected, Everyone Is Vulnerable, and What We Can Do About It," explains ... (See Marc Goodman)

Applying repeatedly for credit after being turned down makes it worse -- If your response to being turned down for credit has been to apply over and over again, stop. You're making it worse. Before you do anything else, find out why ... (See Stop applying)

Q&A with Ron Lieber: How to raise unspoiled kids -- New York Times personal finance columnist and "The Opposite of Spoiled" author Ron Lieber touts the benefits of teaching financial decision-making at an early age ... (See Ron Lieber Q&A)


Student credit cards, young credit Student credit cards, young credit
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When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


To Her Credit To Her Credit
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Husband opened cards, ran up debt in your name? It's fraud -- After her husband racked up thousands on cards he opened in her name, step one in cleaning up the mess is reporting his fraud ... (See Husband fraud)

1099-C snarls mortgage qualifying -- An incomplete tax form and an old charged-off debt may cause mortgage underwriters to turn down your home loan application ... (See Mortgage qualifying )

Debt relief scam mars victim's credit rating -- Debt relief scams often tell victims to stop paying debt accounts, leaving their credit rating in shambles due to defaults and delinquencies ... (See Debt relief scam)


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

Disputing an auto repair chargeback is possible but time-consuming -- A warranty, labor costs and 500 miles of distance all complicate a chargeback that a car repair shop says is not legit. But there are ways to dispute the complex complaint ... (See Chargeback)

New business shouldn't inherit partner's old debt -- Your new business partner's old debt shouldn't be inherited unless expressly assumed, but have a lawyer check it and be aware it may limit your new venture's access to credit ... (See Partner's debt)

Merchant guesses card expiration date to renew subscription -- No laws specifically prohibit subscription-based businesses from guessing a customer's card expiration date to auto-renew their payments, but the practice is iffy ... (See Card expiration)