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Credit card news archive

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

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All credit card news All credit card news
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How to defeat debt and still have fun -- With some creativity, you can pay off debts while still enjoying the occasional treat, gift or vacations ... (See Fun)

How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

Fed keeps rates low amid mixed economic signals -- The Federal Reserve indicated that it remains on course to hike interest rates later this year ... (See FOMC meeting Jan. 28, 2015)


Bad credit, credit repair Bad credit, credit repair
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How to defeat debt and still have fun -- With some creativity, you can pay off debts while still enjoying the occasional treat, gift or vacations ... (See Fun)

How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge 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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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Unpaid joint car loan sullies ex's credit -- She was in charge of payments, but neglected to tell her fiance when they were late. Now that they've broken up, she wants to know if she can fix his credit ... (See Car loan)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Breaking news Breaking news
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Fed keeps rates low amid mixed economic signals -- The Federal Reserve indicated that it remains on course to hike interest rates later this year ... (See FOMC meeting Jan. 28, 2015)

Know your fraudster: 8 types of card criminals -- Card fraud has become a big industry, with criminals specializing in each stage of the crime, from malware coders to skimmer installers to mules ... (See Know your fraudster)

FTC: Many credit report disputes go unresolved -- When a credit bureau rejects a complaint about an error, only 30 percent of people agree that their report is accurate ... (See FTC credit disputes report)


Business credit cards Business credit cards
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Payments made out to your LLC are harder to garnish -- As a small-business owner, if you have an LLC it's best to have clients make checks out to the LLC rather than to you personally. Besides helping separate your personal and business finances, it may help protect you from wage garnishment for past debts ... (See Garnishment and LLCs)


Cash back cards Cash back cards
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Apply for your first credit card, then remove yourself from Dad's -- Preserve your authorized user credit history when applying for your own card. Once approved, you can then safely remove yourself from the shared account ... (See Apply)

2015 Balance Transfer Survey: Offers more generous, but move fast -- The typical credit card balance transfer offers have become more generous, but you have to act quickly to take advantage of them, according to a 2015 CreditCards.com analysis of 100 popular credit card offers ... (See Balance transfer survey)

0-percent balance transfer payoff calculator -- Figure the monthly payment needed to pay off the balance transfer before the interest-free period ends -- and the price if you can't quite make itUse the following calculator to evaluate whether or not that new balance transfer offer is a good deal ... (See 0-percent calculator)


Cashing In Q&A columns Cashing In Q&A columns
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How to use US Airways miles as merger unfolds -- If you want to redeem US Airways miles, you'll still need to use the US Airways award chart until the airline finishes combining its frequent flier program with that of merger partner American Airlines ... (See Redeem)

Strategies to maximize cash-back rewards -- Most cashback cards pay about 1 percent in rewards; a couple of cards pay a flat 2 percent. But you may want to consider using a flat-rate card and a card with higher rewards rates on rotating categories ... (See Cash back)

Airline frequent flier miles should survive if you file for bankruptcy -- Banks can cancel reward cards if you’re insolvent, but you shouldn't lose frequent flier points you've earned through the cards if they've already been posted to your airline account ... (See Points in bankruptcy)


Credit account management Credit account management
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How to defeat debt and still have fun -- With some creativity, you can pay off debts while still enjoying the occasional treat, gift or vacations ... (See Fun)

How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)


Credit Card Help Credit Card Help
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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)

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)


Credit card videos Credit card videos
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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)

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)


Credit scores, credit reports Credit scores, credit reports
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How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

How a card's introductory APR works -- Exactly how does an introductory period APR work and what are the consequences of not paying off the entire balance before that period expires? ... (See Intro APR)

44% of Americans mistakenly say credit score, credit report are the same -- Almost half of Americans believe a credit score and a credit report are basically the same thing, just different terms, a survey from American Bankers Association shows ... (See Credit score)


Credit Wise Credit Wise
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Must husband pay wife's unpaid card debt? -- If a spouse with no income secretly runs up a big credit card debt, state laws dictate whether there's a shared legal obligation to pay ... (See Spousal debt)

Choosing a debt management program -- If you think you need credit counseling or a debt management program, look for services offered by a nonprofit, accredited organization ... (See Debt management program)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)

Know your fraudster: 8 types of card criminals -- Card fraud has become a big industry, with criminals specializing in each stage of the crime, from malware coders to skimmer installers to mules ... (See Know your fraudster)

Mobile wallet security -- is it safe to photograph your credit card? -- Memories of celebrity phone hacks may rightly make you nervous about capturing an image of your credit card for a mobile wallet. But it's not the same as taking a regular photo, as long as you're using a secure payment app ... (See Mobile security)


Expert Q&A Expert Q&A
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How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

How a card's introductory APR works -- Exactly how does an introductory period APR work and what are the consequences of not paying off the entire balance before that period expires? ... (See Intro APR)

How to use US Airways miles as merger unfolds -- If you want to redeem US Airways miles, you'll still need to use the US Airways award chart until the airline finishes combining its frequent flier program with that of merger partner American Airlines ... (See Redeem)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

How to use US Airways miles as merger unfolds -- If you want to redeem US Airways miles, you'll still need to use the US Airways award chart until the airline finishes combining its frequent flier program with that of merger partner American Airlines ... (See Redeem)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Infographics Infographics
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44% of Americans mistakenly say credit score, credit report are the same -- Almost half of Americans believe a credit score and a credit report are basically the same thing, just different terms, a survey from American Bankers Association shows ... (See Credit score)

Balance transfer promotional rates on the rise -- Balance transfer promotional rates are getting more generous, with more cards offering lengthy interest-free promotional periods, according to the 2015 Creditcards.com Balance Transfer Survey ... (See Balance transfer survey infographic)

Credit card delinquency rates rise slightly in 2014 -- Delinquent credit card balances rose slightly in the third quarter of 2014, but remain far below the 15 year average, says the American Bankers Association ... (See Credit card delinquency rates)


Innovations, features, new products Innovations, features, new products
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How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)

How to use US Airways miles as merger unfolds -- If you want to redeem US Airways miles, you'll still need to use the US Airways award chart until the airline finishes combining its frequent flier program with that of merger partner American Airlines ... (See Redeem)


Instant Approval Instant Approval
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates hold steady at 14.89 percent -- Jan. 14, 2015: Average rates on new credit card offers remain unchanged this week, 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 keeps rates low amid mixed economic signals -- The Federal Reserve indicated that it remains on course to hike interest rates later this year ... (See FOMC meeting Jan. 28, 2015)

Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)

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)


Low interest, zero percent cards Low interest, zero percent cards
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Merchant accounts Merchant accounts
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What merchants should do if customer presents unsigned card -- Merchants handed a card with no signature or "See ID" should make the customer sign -- or risk having to eat fraud-related losses ... (See Signature)

What merchants should do when they suspect card fraud -- No merchant wants to offend honest customers by turning the shopping experience into what feels like a prosecution. At the same time, you can't afford to turn a blind eye to fraud ... (See Merchants and card fraud)

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)


Opening Credits Opening Credits
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How a card's introductory APR works -- Exactly how does an introductory period APR work and what are the consequences of not paying off the entire balance before that period expires? ... (See Intro APR)

Apply for your first credit card, then remove yourself from Dad's -- Preserve your authorized user credit history when applying for your own card. Once approved, you can then safely remove yourself from the shared account ... (See Apply)

Managing 10 cards or more? 4 rules -- Successfully managing 10 or more credit card accounts requires a certain amount of supervision, particularly to prevent fraud. But if you can handle them well, go for it ... (See Multiple cards)


Research, statistics Research, statistics
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

44% of Americans mistakenly say credit score, credit report are the same -- Almost half of Americans believe a credit score and a credit report are basically the same thing, just different terms, a survey from American Bankers Association shows ... (See Credit score)

Know your fraudster: 8 types of card criminals -- Card fraud has become a big industry, with criminals specializing in each stage of the crime, from malware coders to skimmer installers to mules ... (See Know your fraudster)


Reward programs Reward programs
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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

How to use US Airways miles as merger unfolds -- If you want to redeem US Airways miles, you'll still need to use the US Airways award chart until the airline finishes combining its frequent flier program with that of merger partner American Airlines ... (See Redeem)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Shopping Shopping
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Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)

A day in the life of a common credit card crook -- Those who make, buy and use stolen credit cards have workdays like the rest of us. See what the daily grind is for the crooks who would profit from your card data ... (See Card crook workday)

Know your fraudster: 8 types of card criminals -- Card fraud has become a big industry, with criminals specializing in each stage of the crime, from malware coders to skimmer installers to mules ... (See Know your fraudster)


Speaking of Credit Speaking of Credit
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How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

What day is my card balance reported to the credit bureaus? -- Banks and credit bureaus manage millions of accounts and have different policies for recording data, so finding when yours is recorded isn't possible ... (See Card data)

When building credit, focus first on on-time payments -- Don't overmanage your credit utilization while in a formal debt management plan. Just keep paying on time, every time and your score will rise over time ... (See On-time payment)


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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Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

How a card's introductory APR works -- Exactly how does an introductory period APR work and what are the consequences of not paying off the entire balance before that period expires? ... (See Intro APR)

Credit score statistics -- How does your credit score compare to the average American's? Check out the credit score statistics we've compiled, including the states with the highest and lowest credit scores, how credit scores change with age and much more ... (See Credit score statistics)


To Her Credit To Her Credit
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Unpaid joint car loan sullies ex's credit -- She was in charge of payments, but neglected to tell her fiance when they were late. Now that they've broken up, she wants to know if she can fix his credit ... (See Car loan)

Is husband liable for wife's $50,000 card debt? -- A wife is carrying $50,000 in debt over several cards and wants to know if her husband be will responsible for repayment if she dies before it's paid off ... (See Card debt)

Don't default on co-signed loan to teach son a debt lesson -- Letting a car loan go into default to show a kid what happens is a lot like driving the car into a wall to show him what happens if you don't use the brakes ... (See Co-signers)


Your Business Credit Your Business Credit
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What merchants should do if customer presents unsigned card -- Merchants handed a card with no signature or "See ID" should make the customer sign -- or risk having to eat fraud-related losses ... (See Signature)

Payments made out to your LLC are harder to garnish -- As a small-business owner, if you have an LLC it's best to have clients make checks out to the LLC rather than to you personally. Besides helping separate your personal and business finances, it may help protect you from wage garnishment for past debts ... (See Garnishment and LLCs)

Jail or no? Penalties for using partner's credit card -- Stealing a business partner's credit card can lead to prosecution and jail time. But charges rung up by an authorized user are not considered theft ... (See Partner)


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)