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

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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

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")

Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)


Bad credit, credit repair Bad credit, credit repair
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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")

Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new 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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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")

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new 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 15.07 percent -- Oct. 8, 2014: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Breaking news Breaking news
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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Poll: Nearly half of cardholders likely to avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Obama puts federal might behind chip-and-PIN card security -- A White House move to encourage the roll out of chip-and-PIN security strengthens the push for new weapons against data breaches and ID theft ... (See US goes chip-and-PIN)


Business credit cards Business credit cards
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Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new 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 15.07 percent -- Oct. 8, 2014: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Replacing a credit card after husband's death -- A widow and small-business owner wonders how to replace a credit card with a $36,000 credit limit that had to be closed after her husband died ... (See Card shopping)


Cash back cards Cash back cards
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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Even with high credit score, some card applicants rejected -- How can someone with an 800+ FICO score be denied a new credit card? It may have to do with rewards card churning but the first thing to do is ask the issuer that is denying your application ... (See Application denied)


Cashing In Cashing In
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Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Even with high credit score, some card applicants rejected -- How can someone with an 800+ FICO score be denied a new credit card? It may have to do with rewards card churning but the first thing to do is ask the issuer that is denying your application ... (See Application denied)

Using rewards to buy a new car -- Some credit cards earn you rewards that can be used as an auto down payment, but consider alternatives such as cash-back cards, too ... (See Down payment rewards)


Credit account management Credit account management
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Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Poll: Nearly half of cardholders likely to avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)


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)

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 videos Credit card videos
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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)

Anatomy of a credit card account number -- Those numbers on the front of your credit card? They aren't just random. They give away specific information about your card and where it comes from ... (See Account number )

Video: the road to wage garnishment -- Garnishment is complex -- the rules vary by state, your employment status and your income. But it all starts with a failure to pay bills on time ... (See Wage garnishment)


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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Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)

Retail cards, the Rodney Dangerfields of credit, deserve respect -- Store cards get a bad rap. But closing even an unused retail card can hurt credit utilization and lower your credit score ... (See Retail cards)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Poll: Nearly half of cardholders likely to avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Obama puts federal might behind chip-and-PIN card security -- A White House move to encourage the roll out of chip-and-PIN security strengthens the push for new weapons against data breaches and ID theft ... (See US goes chip-and-PIN)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Expert Q&A Expert Q&A
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Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)

Retail cards, the Rodney Dangerfields of credit, deserve respect -- Store cards get a bad rap. But closing even an unused retail card can hurt credit utilization and lower your credit score ... (See Retail cards)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)


Infographics Infographics
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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Student loans up 84 percent, while other loans drop -- While the dollar amounts of mortgages and credit cards have dropped since 2008, student loans have climbed, an Experian study has found ... (See Student loans)

Study: 7 percent of employees have wages garnished -- About 7 percent of workers had wages garnished in 2103, and workers age 35-44 are most likely to endure that stressful and sometimes humiliating fate ... (See Wage garnishment study)


Innovations, features, new products Innovations, features, new products
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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")

Obama puts federal might behind chip-and-PIN card security -- A White House move to encourage the roll out of chip-and-PIN security strengthens the push for new weapons against data breaches and ID theft ... (See US goes chip-and-PIN)

Banks seek rule change to allow more cellphone fraud alerts -- Despite a plague of data breaches, banks fear lawsuits if they send fraud alerts via text messages and cellphone calls, according to an industry group ... (See Fraud alert texts)


Instant Approval Instant Approval
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Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new 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 15.07 percent -- Oct. 8, 2014: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Average credit card interest rates rise to 15.07 percent -- Oct. 1, 2014: Average rates on new card offers jumped this week to their highest point in nearly three years, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)


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

Poll: Nearly half of cardholders likely to avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Obama puts federal might behind chip-and-PIN card security -- A White House move to encourage the roll out of chip-and-PIN security strengthens the push for new weapons against data breaches and ID theft ... (See US goes chip-and-PIN)


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 hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new 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 15.07 percent -- Oct. 8, 2014: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Average credit card interest rates rise to 15.07 percent -- Oct. 1, 2014: Average rates on new card offers jumped this week to their highest point in nearly three years, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)


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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Small businesses slow in converting to EMV card readers -- With a year to go before retailers hit a major deadline for upgrading their credit card machines, experts warn that many are unlikely to complete the switch in time. As a result, they may find themselves suddenly liable for card-related fraud ... (See EMV)

How to cut your business' foreign wire transfer fee costs -- When selling overseas, you can't make foreign wire transfer costs vanish, but you can negotiate their size, bundle your bills or bake them into your prices ... (See Wire transfers)

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)


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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Credit reports key to detecting fraud -- If you suspect someone is trying to open a card account in your name, fraud alerts and credit report monitoring can stop thieves before they start stealing ... (See Fraud)

How to fix credit report damage from authorized user status -- A mom added her daughter as an authorized user to her card seven years ago, but then filed for bankruptcy. Her dad asks if it's too late to get the card off his kid's credit report ... (See Credit report)

Credit reports hold longer memory than issuers -- You let a card go unpaid for years, then finally paid the account off. The odds of the card issuer remembering your behavior aren't as big as the credit bureaus ... (See Unpaid)


Research, statistics Research, statistics
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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

7 tricks retailers use to get you to spend more -- It happens too often. You shop for a specific item, but end up with much more and much less in your wallet. Learn what cues to steer clear of ... (See Tricks)


Reward programs Reward programs
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Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Shopping Shopping
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Poll: Nearly half of cardholders likely to avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Retail cards, the Rodney Dangerfields of credit, deserve respect -- Store cards get a bad rap. But closing even an unused retail card can hurt credit utilization and lower your credit score ... (See Retail cards)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Speaking of Credit Speaking of Credit
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Retail cards, the Rodney Dangerfields of credit, deserve respect -- Store cards get a bad rap. But closing even an unused retail card can hurt credit utilization and lower your credit score ... (See Retail cards)

The good and the bad of credit account 'piggybacking' -- Authorized users can greatly benefit from being tagged in an account with a good credit score. But they can also be hurt if the account is not so great ... (See Piggybacking)

Prescreened card offers don't impact your credit score -- Prequalified or prescreened credit card offers just mean you meet a card issuer's broad criteria. But if you try to take the offer, the real credit check occurs ... (See Prescreened)


Spotlight: People and their plastic Spotlight: People and their plastic
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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)

Make financial planning as easy as 50/20/30 -- In Alexa von Tobel's best-selling book, "Financially Fearless," she simplifies financial planning with a quick and easy method for spending, saving and having fun ... (See Fearless)


Student credit cards, young credit Student credit cards, young credit
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Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit reports key to detecting fraud -- If you suspect someone is trying to open a card account in your name, fraud alerts and credit report monitoring can stop thieves before they start stealing ... (See Fraud)

The good and the bad of credit account 'piggybacking' -- Authorized users can greatly benefit from being tagged in an account with a good credit score. But they can also be hurt if the account is not so great ... (See Piggybacking)


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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Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)

Your rights if a merchant charges you but delays shipping -- You ordered your item and your card was charged, but the merchant takes forever to ship. Do you have any rights to demand faster shipping? ... (See Delayed shipping)

Joint truck lease leaves widow in a lurch -- Leasing a new truck with your spouse doesn't seem like it would be a big deal, unless all of a sudden one spouse is left making the payments alone ... (See Lease)


Your Business Credit Your Business Credit
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Replacing a credit card after husband's death -- A widow and small-business owner wonders how to replace a credit card with a $36,000 credit limit that had to be closed after her husband died ... (See Card shopping)

How to cut your business' foreign wire transfer fee costs -- When selling overseas, you can't make foreign wire transfer costs vanish, but you can negotiate their size, bundle your bills or bake them into your prices ... (See Wire transfers)

Am I liable for my business' corporate card debt? -- A small-business owner's responsibility for the company's credit card debt depends partly on the kind of card. Corporate cards and small-business cards treat liability differently ... (See Corporate cards)


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)