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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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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

January 2015 G.19 report: Card balances down -- Credit card balances decreased at a 1.6 percent annual pace in January, the Federal Reserve said Friday ... (more)


Bad credit, credit repair Bad credit, credit repair
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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)


Balance transfer, debt consolidation Balance transfer, debt consolidation
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Recovery from bad credit: 1st steps -- Restoring your credit after letting all debts go into default takes resolve and a bit of negotiation savvy. These steps will help you get back on track ... (See Credit recovery)


Breaking news Breaking news
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January 2015 G.19 report: Card balances down -- Credit card balances decreased at a 1.6 percent annual pace in January, the Federal Reserve said Friday ... (more)

Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)


Business credit cards Business credit cards
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

No 2-in-1 card for tax-exempt organizations -- Nonprofits are exempt from sales tax, and retailers have programs to accommodate them, but no all-in-one card avoids sales taxes at point of sale ... (See Tax-exempt)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Cash back cards Cash back cards
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Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

Poll: Wealthy prefer cash-back rewards on their cards -- Three out of five wealthy Americans prefer cash-back rewards, choosing them over free hotel stays, concierge services and even frequent flier miles ... (See Cash back)

Not all 'digital wallets' give you bonus reward points -- If you're using a mobile wallet to make purchases using your American Express card, you may not get get those bonus rewards points the card promises ... (See Mobile)


Cashing In Q&A columns Cashing In Q&A columns
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Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

With Costco and AmEx splitting, don't rush to switch cards -- Costco will be ending its exclusive relationship with American Express. But there's no need to drop the Costco AmEx card right away. Wait to see what new cash-back deals shake out ... (See Costco-American Express split)

Earning rewards on foreign purchases -- Charging in another currency still yields reward points, but make sure you have a card that has an EMV chip, but doesn't have foreign transaction fees ... (See Foreign currency purchases)


Credit account management Credit account management
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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)


Credit Card Help Credit Card Help
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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)

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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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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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)


Credit Wise Credit Wise
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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Looking for credit after Chapter 7 bankruptcy -- Go slow, because issuers don't want to give credit right away to someone who filed for Chapter 7 bankruptcy. Secured cards are one credit-rebuilding alternative ... (See Credit after bankruptcy)

How a balance transfer can help with a large debt -- With $16,500 of debt on a single card, the best options are to find the best possible balance transfer deal, or get involved in a debt management program ... (See Balance transfer)


Emerging payment systems: Prepaid, debit, gift cards Emerging payment systems: Prepaid, debit, gift cards
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Poll: Wealthy getting EMV cards first -- Chip-bearing EMV cards, and the extra fraud protection that goes with them, are being issued first to wealthier cardholders, a CreditCards.com poll shows ... (See EMV cards)

What to do when a new gift card shows zero balance -- You give (or get) a new gift card, and the first time it's used, pfft! It's empty. Whether the problem is fraud or simple human error, follow these steps to retrieve its value ... (See $0 balance gift cards)

Credit card interest rates remain at 14.89 percent for 6th week -- Feb. 11, 2015: Average rates on new credit card offers remained stuck at 14.89 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Expert Q&A Expert Q&A
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Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)


Frequent flier programs, airline rewards Frequent flier programs, airline rewards
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

Poll: Wealthy getting EMV cards first -- Chip-bearing EMV cards, and the extra fraud protection that goes with them, are being issued first to wealthier cardholders, a CreditCards.com poll shows ... (See EMV cards)


Infographics Infographics
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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)

Poll: Wealthy prefer cash-back rewards on their cards -- Three out of five wealthy Americans prefer cash-back rewards, choosing them over free hotel stays, concierge services and even frequent flier miles ... (See Cash back)

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)


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

Poll: Wealthy getting EMV cards first -- Chip-bearing EMV cards, and the extra fraud protection that goes with them, are being issued first to wealthier cardholders, a CreditCards.com poll shows ... (See EMV cards)

What to do when a new gift card shows zero balance -- You give (or get) a new gift card, and the first time it's used, pfft! It's empty. Whether the problem is fraud or simple human error, follow these steps to retrieve its value ... (See $0 balance gift cards)


Instant Approval Instant Approval
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates stay at 14.89 percent for 7th straight week -- Feb. 18, 2015: Average rates on new credit card offers stayed put again 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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January 2015 G.19 report: Card balances down -- Credit card balances decreased at a 1.6 percent annual pace in January, the Federal Reserve said Friday ... (more)

1099-C frequently asked questions -- Wonder why you received a 1099-C in the mail? Most taxpayers don't realize forgiven debt is considered income, and questions abound ... (See 1099-C FAQ)

Debt collection complaints take aim at credit cards -- Credit card balances are a dwindling piece of debt collection work, but they remained a top source of consumer complaints in 2014 ... (See Collection complaints)


Low interest, zero percent cards Low interest, zero percent cards
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates stay at 14.89 percent for 7th straight week -- Feb. 18, 2015: Average rates on new credit card offers stayed put again this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)


Merchant accounts Merchant accounts
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Judge: Merchants can steer you to lower-cost card -- Merchants should be allowed to offer consumers discounts or perks to use a lower-cost credit card, a federal court ruled ... (See American Express anitrust ruling)

Beware shady merchant processing contracts -- A lawsuit by an out-of-state company that supplies credit card machines deserves the plaintiff's attention -- but scams exist in the industry so read your contract carefully and talk with a lawyer if in doubt ... (See Merchant contracts)

Receipt requirements: Law differs from card network rules -- You don't legally have to print your business's full address on customer receipts, but MasterCard and other card networks have more stringent requirements ... (See Receipts)


Opening Credits Opening Credits
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Recovery from bad credit: 1st steps -- Restoring your credit after letting all debts go into default takes resolve and a bit of negotiation savvy. These steps will help you get back on track ... (See Credit recovery)

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)

Quickly opening, closing accounts makes scores dip a bit -- After following bad credit advice, a reader worries that by closing two cards she just opened, she did some irreparable damage to her credit score ... (See Credit score)


Research, statistics Research, statistics
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Debt collection complaints take aim at credit cards -- Credit card balances are a dwindling piece of debt collection work, but they remained a top source of consumer complaints in 2014 ... (See Collection complaints)


Reward programs Reward programs
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


Shopping Shopping
View all shopping stories

January 2015 G.19 report: Card balances down -- Credit card balances decreased at a 1.6 percent annual pace in January, the Federal Reserve said Friday ... (more)

Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)


Speaking of Credit Speaking of Credit
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Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)

An insider's view: How FICO scores burst from secrecy -- Creditcards.com columnist and former FICO official Barry Paperno recounts how credit scores went public, and why they're as confusing as ever ... (See FICO history)

Help your credit score rebound after a fall -- If you're whittling debt and paying bills on time after a credit score tumble, your credit scores should improve fairly quickly. If they aren't, something else is wrong ... (See Score rebound)


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

'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")


Student credit cards, young credit Student credit cards, young credit
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Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Recovery from bad credit: 1st steps -- Restoring your credit after letting all debts go into default takes resolve and a bit of negotiation savvy. These steps will help you get back on track ... (See Credit recovery)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)


To Her Credit To Her Credit
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Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

It's not fraud if you lend your card out -- The odds of prosecuting someone for card fraud for using your card when you gave your permission are pretty fruitless ... (See Card fraud)

Collectors still calling after a 1099-C 'Cancellation of Debt' tax form -- Just because you received a 1099-C and may have paid taxes on an unpaid debt, that doesn't mean you're free from collection attempts ... (See 1099-C)


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

No 2-in-1 card for tax-exempt organizations -- Nonprofits are exempt from sales tax, and retailers have programs to accommodate them, but no all-in-one card avoids sales taxes at point of sale ... (See Tax-exempt)

Dangers of putting business expenses on a personal card -- Paying your new small business's expenses with your personal card may be convenient, but it has limited benefits and adds new risks ... (See Personal credit)

Beware shady merchant processing contracts -- A lawsuit by an out-of-state company that supplies credit card machines deserves the plaintiff's attention -- but scams exist in the industry so read your contract carefully and talk with a lawyer if in doubt ... (See Merchant contracts)