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Credit card news archive

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

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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)


Bad credit, credit repair Bad credit, credit repair
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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

Average card rates rest at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- December 10, 2014: Average rates on new credit card offers held at 14.95 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

8 ways seniors can ease student loan debt pain -- Student loan debt carried by seniors has quadrupled, but the elderly don't have a lifetime of increasing earnings ahead to help them cope ... (See Student loans)


Breaking news Breaking news
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Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)

Campus card agreements continue shift from credit to debit -- Special deals to market credit cards on campus are declining, but other types of plastic -- which face less disclosure -- are gaining ... (See College cards)

Biometrics: Your body could be your next password -- Call it body language: Finger prints, vein scans, voiceprints and other unique biological means of authenticating a person’s identity for credit card purchases are closer to reality than they are to the Jetsons ... (See Biometrics)


Business credit cards Business credit cards
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Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Average card rates rest at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- December 10, 2014: Average rates on new credit card offers held at 14.95 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Business or personal credit: Which can be built faster? -- Generally speaking, you can build personal credit faster than business credit. But for small-business owners, it's important to pursue both ... (See Building credit)


Cash back cards Cash back cards
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Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Average card rates rest at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- December 10, 2014: Average rates on new credit card offers held at 14.95 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Choose your rewards strategy: One card? Or multiple? -- Using one rewards card consolidates points, but having several lets you be sure every dollar spent earns you something back ... (See Multiple rewards cards)


Cashing In Cashing In
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5 simple ways to keep frequent flier miles from expiring -- There are a number of ways to keep your frequent flier account active, even without a credit card. They might take a little time and money, but investing to preserve a cache of valuable frequent flier miles can make sense ... (See Miles)

Choose your rewards strategy: One card? Or multiple? -- Using one rewards card consolidates points, but having several lets you be sure every dollar spent earns you something back ... (See Multiple rewards cards)

Reward cards for a company's small fleet -- There are different kinds of cards that a company's drivers can use at the gas pump, and they offer different levels of data and control regarding purchases ... (See Gas rewards)


Credit account management Credit account management
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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)


Credit Card Help Credit Card Help
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Opening 3 cards at once dings credit score -- Unlike rapid-fire applications for mortgages or car loans, which are bundled into a single credit score hit, each card application counts against you ... (See Credit score)

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)

The Unverzagt family's triumph over their credit card debit -- Selected as Clients Of The Year by the National Foundation of Credit Counseling, the 13-person Unverzagt family paid off their credit card debt in five years ... (See Debt-free)


Credit card videos Credit card videos
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Overcoming financial infidelity -- Couples who keep secrets about money may also be hiding other issues. Take these steps to avoid and overcome financial infidelity ... (See Financial infidelity)

4 young adult money mistakes to avoid -- We all make mistakes in our 20s. But when it comes to your money and your credit, you can end up paying for those mistakes well into your 30s -- and beyond. Avoid these four common errors of youth ... (See 4 money mistakes)

How to build an emergency savings account -- If you are contemplating using credit cards for emergencies, here are a few ideas for building an emergency cash fund instead of increasing your debt load ... (See Emergency fund)


Credit Score Report Credit Score Report
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Opening 3 cards at once dings credit score -- Unlike rapid-fire applications for mortgages or car loans, which are bundled into a single credit score hit, each card application counts against you ... (See Credit score)

Old-school phone scammers make comeback with modern twist -- Old-school telephone fraud is making a comeback as fraudsters are again more likely to contact you by phone than through websites or email ... (See Telephone scams)

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 scores, credit reports Credit scores, credit reports
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How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

Want a mortgage? Ditch cash-only, build a credit history -- Unless you have the cash to buy a house, you'll need a mortgage. And you can't get a home loan without some kind of credit history ... (See Cash-only)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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7 high-tech holiday scams -- As they attempt to spoil your holidays, crooks are turning to technology, using email, apps and phony online surveys in service of their cons ... (See Holiday scams)

Biometrics: Your body could be your next password -- Call it body language: Finger prints, vein scans, voiceprints and other unique biological means of authenticating a person’s identity for credit card purchases are closer to reality than they are to the Jetsons ... (See Biometrics)

Tips to rebuild credit after living abroad -- After living overseas for five years, bringing a dormant U.S. credit file back to life takes a few smart moves combined with a little patience ... (See Rebuilding US credit)


Expert Q&A Expert Q&A
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How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

5 simple ways to keep frequent flier miles from expiring -- There are a number of ways to keep your frequent flier account active, even without a credit card. They might take a little time and money, but investing to preserve a cache of valuable frequent flier miles can make sense ... (See Miles)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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5 simple ways to keep frequent flier miles from expiring -- There are a number of ways to keep your frequent flier account active, even without a credit card. They might take a little time and money, but investing to preserve a cache of valuable frequent flier miles can make sense ... (See Miles)

Choose your rewards strategy: One card? Or multiple? -- Using one rewards card consolidates points, but having several lets you be sure every dollar spent earns you something back ... (See Multiple rewards cards)

Poll: If given $1,000 in miles or cash back, most would splurge, not save -- At least 83 percent of Americans said they would splurge in some fashion if they received $1,000 in travel miles or credit card cash rewards, a poll from Capital One found ... (See Rewards splurge)


Infographics Infographics
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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

Holiday buying 2014: more savings and gift cards, less credit -- Fewer Americans plan to holiday shop with credit cards in 2014, while more have set aside money or will use gift cards for their purchases, an Accenture study finds ... (See Holiday buying 2014)

Poll: If given $1,000 in miles or cash back, most would splurge, not save -- At least 83 percent of Americans said they would splurge in some fashion if they received $1,000 in travel miles or credit card cash rewards, a poll from Capital One found ... (See Rewards splurge)


Innovations, features, new products Innovations, features, new products
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Biometrics: Your body could be your next password -- Call it body language: Finger prints, vein scans, voiceprints and other unique biological means of authenticating a person’s identity for credit card purchases are closer to reality than they are to the Jetsons ... (See Biometrics)

How to get, use a low-limit card -- If a low credit limit is desired, you have to start backward. A higher limit card can be downsized once the account is approved ... (See Low-limit)

9 tips for using mobile gift cards safely -- A growing number of mobile gift cards and apps let you give, receive and use gift cards all on your smartphone -- no traditional wallet needed. Convenient, right? But they also present new security issues ... (See Mobile gift cards)


Instant Approval Instant Approval
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Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates hold steady at 14.98 percent -- Nov. 26, 2014: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates fall to 14.98 percent -- Nov. 19, 2014: Average rates on new card offers fell below 15 percent Wednesday for the first time in more than a year, 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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Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)

7 high-tech holiday scams -- As they attempt to spoil your holidays, crooks are turning to technology, using email, apps and phony online surveys in service of their cons ... (See Holiday scams)

Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)


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 decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Average card rates rest at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- December 10, 2014: Average rates on new credit card offers held at 14.95 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates hold steady at 14.98 percent -- Nov. 26, 2014: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Maturing Loans Maturing Loans
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If loan to friend or family goes bad, you may take a tax deduction -- When friends or family borrow from you and then default, the IRS allows a bad debt tax deduction -- if you documented the loan and file the right forms ... (See Bad debt deduction)

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)


Merchant accounts Merchant accounts
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Minimize costs of card acceptance without surcharges -- Interchange fees can add up for small businesses that accept credit cards. But adding a surcharge for card-paying customers is not the answer – especially in states where surcharges are banned. There are other ways to mitigate card acceptance costs ... (See Merchant fees)

8 tips for merchants to avoid credit card chargebacks -- Chargebacks are a costly and unfortunate fact of life for many small businesses that accept credit cards. However, there are ways you can protect yourself against unfair chargebacks ... (See Chargebacks)

Understanding 'consent' to charge a card -- A merchant needs consumer consent before charging their debit or credit card for a purchase. But there are some gray areas where misunderstanding of the law can cause disputes ... (See Consent)


New Frugal You New Frugal You
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Closing joint bank accounts after a breakup -- On joint credit card accounts, problems arise when you carry a balance. Legally, that debt belongs to both of you, even after a breakup ... (See Close joint accounts)

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)


Opening Credits Opening Credits
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Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

You can't boost secured card limit with extra cash -- A college student with a secured card wants to increase his credit limit and asks whether giving the issuer more cash will do the trick ... (See Credit limit)

Tips to rebuild credit after living abroad -- After living overseas for five years, bringing a dormant U.S. credit file back to life takes a few smart moves combined with a little patience ... (See Rebuilding US credit)


Research, statistics Research, statistics
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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Campus card agreements continue shift from credit to debit -- Special deals to market credit cards on campus are declining, but other types of plastic -- which face less disclosure -- are gaining ... (See College cards)


Reward programs Reward programs
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5 simple ways to keep frequent flier miles from expiring -- There are a number of ways to keep your frequent flier account active, even without a credit card. They might take a little time and money, but investing to preserve a cache of valuable frequent flier miles can make sense ... (See Miles)

Choose your rewards strategy: One card? Or multiple? -- Using one rewards card consolidates points, but having several lets you be sure every dollar spent earns you something back ... (See Multiple rewards cards)

Banks that make the most money, and the least, on credit card loans -- The most costly card companies are ones you probably never heard of -- but whose cards you just might carry ... (See Yields)


Shopping Shopping
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Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

7 high-tech holiday scams -- As they attempt to spoil your holidays, crooks are turning to technology, using email, apps and phony online surveys in service of their cons ... (See Holiday scams)


Speaking of Credit Speaking of Credit
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How many cards is too many? -- While there's no right number, a consumer who has spent two years steadily opening new credit accounts should give it a rest ... (See Too many cards)

Authorized users can't access credit card account information -- Authorized users cannot access the individual account information, which can be frustrating if you think you're a joint account holder ... (See Account information)

Opening 3 cards at once dings credit score -- Unlike rapid-fire applications for mortgages or car loans, which are bundled into a single credit score hit, each card application counts against you ... (See Credit score)


Spotlight: People and their plastic Spotlight: People and their plastic
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'Spam Nation' author Brian Krebs sheds light on card data black market -- An insider on the digital black market, Brian Krebs uncovers major credit card breaches before the big retailers know what hit them. He takes readers along in his book "Spam Nation" ... (See Spam Nation)

Q&A: 'Bad Paper' author Jake Halpern roams debt collection's Wild West -- Author Jake Halpern goes undercover as a debt collector and uncovers a world of rich characters, conflicts and unsavory behavior ... (See "Bad Paper")

Q&A: Kara McGuire cuts through financial clutter in 'Teen Money Manual' -- McGuire's new book, "The Teen Money Manual," covers earning, saving, spending and protecting money in teen-approved prose ... (See Teen Money Manual)


Student credit cards, young credit Student credit cards, young credit
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Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

You can't boost secured card limit with extra cash -- A college student with a secured card wants to increase his credit limit and asks whether giving the issuer more cash will do the trick ... (See Credit limit)

How to get, use a low-limit card -- If a low credit limit is desired, you have to start backward. A higher limit card can be downsized once the account is approved ... (See Low-limit)


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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Want a mortgage? Ditch cash-only, build a credit history -- Unless you have the cash to buy a house, you'll need a mortgage. And you can't get a home loan without some kind of credit history ... (See Cash-only)

Avoid late payments by setting up auto bill pay -- Life happens, and when it does, it's easy to forget a credit card payment. To protect your credit score and avoid fees, stop late payments before they occur ... (See Late pay)

Inheritance spent, bankruptcy looming -- She inherited $36,000, but instead of paying her credit card debt, she spent it. During bankruptcy, does she have to reveal where the money went? ... (See Bankruptcy disclosure)


Your Business Credit Your Business Credit
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Minimize costs of card acceptance without surcharges -- Interchange fees can add up for small businesses that accept credit cards. But adding a surcharge for card-paying customers is not the answer – especially in states where surcharges are banned. There are other ways to mitigate card acceptance costs ... (See Merchant fees)

Business or personal credit: Which can be built faster? -- Generally speaking, you can build personal credit faster than business credit. But for small-business owners, it's important to pursue both ... (See Building credit)

Understanding 'consent' to charge a card -- A merchant needs consumer consent before charging their debit or credit card for a purchase. But there are some gray areas where misunderstanding of the law can cause disputes ... (See Consent)


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)