Emerging payment systems: Prepaid, debit, gift cards

Tips to avoid problems with prepaid calling cards -- The Federal Communication Commission and Consumer Reports offer tips to prepaid calling card purchasers before they buy, plus where to turn if something goes wrong ... (more)

FCC: Prepaid calling cards remain 'a trap' -- PINs that don't work, murky fees, short fuse expiration dates and higher-than-advertised rates are among the prepaid calling cards' continuing flaws, says the federal agency ... (See Prepaid calling cards)

Survey: Costs of prepaid cards vary widely -- As more consumers turn to prepaid cards for budgeting and flexibility, our 2012 survey reveals that fees for these cards vary greatly ... (See 2012 prepaid card survey)

Americans are using less cash than 10 years ago, survey says -- With Mother's Day upon us, how will consumers pay for that bouquet of flowers for mom? The results of a recent survey say Americans will ditch the cash and make purchases electronically. ... (more)

Global card transactions up 12% to 135 billion in 2011 -- Credit, debit and prepaid card transactions have been on the rise, according to findings published by an industry analyst ... (more)

Smartphones will become the new credit cards, experts say -- Within a decade, says a new survey, smartphones will take over as Americans' favorite money-storing and spending devices. They will become our wallets. ... (See Mobile payments)

Fed: Consumers wary of mobile payment security -- Americans are embracing using cellphones to conduct financial business, says a March 2012 report from the Federal Reserve, but concerns about security hare holding back adoption ... (more)

American Express, others yank retail gift cards from New Jersey -- A fight has erupted in New Jersey over who should be able to hold onto unclaimed gift card money, and American Express and other companies say they're pulling their cards from distribution in the state as a result. ... (more)

Renting a car? Beware of phantom toll fee charges -- When renting a car, be aware that if you hit a boothless toll road, mysterious and expensive charges might be added to your final bill ... (See Toll booth charges)

High-tech ways to rent out your stuff -- You're happy to let your best friend borrow your mountain bike. But would you be willing to loan it out to a total stranger if you could make some money off the arrangement? ... (See High-tech rentals)

Survey: Fear keeps consumers from making mobile payments -- Despite the rise of mobile payment technology, a March 2012 Federal Reserve study says consumers remain skeptical about the safety of mobile payment transactions ... (See Mobile payment security)

Q&A: 'Millionaire Mind' author T. Harv Eker talks money, debt and breaking bad habit -- "Secrets of the Millionaire Mind" author shares how your personal money blueprint can either make or break your financial goals ... (See T. Harv Eker)

Tax ID theft skyrockets; thieves feasting on a refund bonanza -- Filing false tax returns with stolen Social Security numbers to obtain refunds is booming. If you're not wary, they'll end up with a refund debit card meant for you ... (See Tax ID theft)

Lost your credit or debit card? Want it fast? Expect to pay -- As banks look for new ways to make money, some have started charging to replace lost credit or debit cards. Want it in a hurry? It'll cost even more ... (See Replacement credit card costs)

Student ID/debit card combos bring high fees, controversy to college campuses -- Thought marketing plastic on campus was a thing of the past? Not so fast. Two years after the Credit CARD Act went into effect, banks are still on campus but are luring new customers with college ID cards that double as debit cards ... (See Student IDs and debit cards)

Sending remittances: more options, more protection -- Thanks to a new regulation taking effect in 2013, those who need to send remittances abroad will have more protections and more fee transparency ... (See Remittances)

5 smart banking tips for college students -- The bank your college chooses may be more convenient. However, experts say you're better off thinking about what you really want from a banking service before you sign your name on the dotted line. These tips can help you decide ... (See College students and banking)

Personal loans on the rise - are they right for you? -- Priced as high as credit cards, but paid off over a fixed time like auto loans, this financial product is finding a growing audience ... (See Personal loans)

How credit cards can help -- or hurt -- you at tax time -- Are credit card rewards taxable? When should and shouldn't you put taxes on a card? Our tax package answers these questions and more ... (See Credit cards and taxes)

Cash emergency? Tap life insurance policy instead -- The next time you have a financial emergency, you might want to review the terms of your life insurance policy before whipping out your credit card. ... (See Life insurance vs. credit cards)

Debit card fraud can leave you in the lurch -- While consumer protections exist in case your debit card's been hijacked, you can still end up on the hook for fraudulent purchases ... (See Debit card fraud)

6 budget-blowing international travel mistakes to avoid -- With a little pretrip planning, you can prevent hundreds of unnecessary dollars from being added to the final cost of your trip abroad ... (See International travel money mistakes)

Pros and cons of tax refund prepaid cards -- Getting your IRS refund on a prepaid card -- offered by most big tax preparation firms -- has its benefits, especially for those without a bank account ... (See Tax refund prepaid cards)

Meet fee-fighting vigilante Molly Katchpole -- If it weren't for Molly Katchpole, we might all be paying a fee for using our debit cards. She's the force behind the petition that helped kill Bank of America's debit card fee and, most recently, the Verizon payment fee ... (See Molly Katchpole)

Don't toss out that expired Groupon -- Deals from Groupon and other daily deals sites aren’t so great when they expire before you can use them. Luckily, there’s some good news for procrastinators: Just because your Groupon expired doesn’t mean you lose all your money on it ... (See Expired Groupon)

6 credit mistakes that can ruin your holidays -- Credit cards can make holiday shopping a breeze. A few missteps, though, and that breeze can turn into a storm of financial headaches. Here are six credit slip-ups to avoid this holiday season ... (See Holiday credit mistakes)

Credit card concierges offer last-minute holiday shopping help -- If you’re panicking about how to finish your holiday shopping this year, help may be as close as your credit card concierge ... (See Card concierge holiday help)

How to save on debit card foreign transaction fees -- We've researched what each major debit card issuer charges in foreign transaction fees -- and give you tips for avoiding them ... (See Foreign transaction fees)

Western Union moves to global prepaid cards -- In a joint effort with MasterCard, Western Union upgrades its cash transfer system globally -- allowing customers the ability to easily transfer funds ... (See Prepaid cards)

Debit vs. credit card: The battle is on for your wallet -- Pay with a debit card and retailers are happy because it has the least costly card processing fees. Bankers, on the other hand, may be hoping you choose a credit card to pay for your next purchase because they maximize profit potential for card issuers. ... (See Debit or credit?)

Chart: 2011 holiday credit card promotions, special deals -- This chart helps you find details of the special credit card promotions, special deals and bargains that seven major card issuers have offered for the 2011 holiday season ... (more)

2011 credit card holiday gift promotions -- If your gift list includes the promotional items offered by the card issuers, you could get discounts or boost your own rewards ... (See Special holiday bargains)

8 ways to protect against ATM skimming -- Thieves have discovered that taking money from a bank doesn’t have to involve a risky life-or-death bank robbery -- not when ATMs (and innocent victims) abound. ... (See ATM skimming)

Bowing to pressure, BofA drops controversial debit card use fee -- After weeks of negative publicity and customer anger, Bank of America announced Tuesday it will drop plans for a controversial fee for using debit cards ... (more)

More banks back away from debit card use fees -- More banks are backing away from charging customers to access their own money with debit cards. Wells Fargo bank cancelled a controversial pilot program that tested $3 monthly debit card use fees. SunTrust bank cancelled a similar monthly debit card fee. ... (See Debit card fees)

7 reasons why your next cell phone should have an NFC chip -- After years of promises, contactless mobile phone payment technology is finally here. Here’s why you might want it for your next -- or current -- smartphone ... (See Contactless payments)

Chase, other banks won't charge debit card usage fees -- Chase, PNC and Citi are among the banks that will not charge debit card users additional monthly fees for accessing their own money in checking accounts. Bank of America's $5 monthly debit card fee begins in early 2012 for certain customers. ... (See Banks shy away from debit fees)

6 things to know about reloadable prepaid cards -- They're different from either traditional credit or or debit cards, so it pays to know how they work ... (See Reloadable prepaid cards)

10 creative ways to present gift cards -- Simplify your holiday gift shopping this year by dressing up a plain old gift card to give it that personal touch ... (See Wrapping gift cards)

2011 airline gift card comparison chart -- While most airlines offer gift cards, their terms and conditions vary. Make sure you know what you're getting before you buy ... (See Airline gift cards)

Gift card survey 2011: E-gift cards take center stage -- Though the economy may be struggling, a CreditCards.com/Bankrate.com survey of gift card issuers shows that the gift card industry continues to innovate, with digital gifting offerings breathing new life into an already strong segment of the retail market ... (See Gift card survey 2011)

2011 gift card comparison chart -- This interactive chart breaks down gift cards offered by dozens of the nation's most popular restaurants, retailers, airlines and other businesses. That way, you can make the smartest decision when it's time to buy ... (See Gift card chart 2011)

Mobile gift cards: the 'cooler' gift card -- Mobile gift cards are the cooler, more sophisticated and smarter cousin to the plastic gift card -- and retailers are jumping on the bandwagon ... (See Mobile gift cards)

Gift card scams: How to spot them, how to avoid being a victim -- As gift cards have become popular, they've attracted the attention of unsavory characters who use both simple and complex techniques to drain their values ... (See Gift card scams)

2011 gift card comparison chart - HTML version -- This interactive chart breaks down gift cards offered by dozens of the nation's most popular restaurants, retailers, airlines and other businesses. That way, you can make the smartest decision when it's time to buy ... (more)

Debit card user revolt: 2 out of 3 say they ditch their cards if hit with use fees -- Two out of three debit cardholders say they'll stop using their cards if they're hit with new debit card use fees, according to a new CreditCards.com poll. Consumer groups warn switching may not be so easy ... (See Debit fees spark rage)

Your Wallet Recovery Kit -- Use this interactive tool to safely store important credit card and other data you carry with you, so you'll be able to recover quickly from having a wallet lost or stolen ... (See Wallet recovery kit)

Mom-and-pop merchants' debit card costs rising -- Merchants that accept debit cards for purchases under $15 are learning of one fallout from the new federal cap on debit card swipe fees: Their costs will rise because the card networks have dropped the small-ticket-item discount ... (more)

Walmart continues layaway's revival, but will deferred gratification payment -- The layaway concept -- paying over time without incurring debt -- works in the current economic environment, but does it have lasting power? ... (See Layaway plans)

ATMs 2.0: Futuristic cash dispensers may include holograms, facial recognition -- Some of the high-tech ATMs being designed and tested may never make it to the market, we have to admit ... since one of them includes a lie detector ... (See ATMs of the future)

9 ways to avoid debit card usage fees -- Experts say consumers can avoid paying big banks' new monthly debit card fees by switching to a smaller bank, using credit cards or mobile payments, or pulling out that old-fashioned green paper -- cash ... (See Debit card use fees)

Bank of America to charge debit card customers $5 monthly use fee -- Bank of America will begin charging its debit card customers $5 a month when they use their debit cards to access money in their checking and savings accounts. BofA is the largest bank to institute debit card fees ... (more)

Erica Sandberg: 3 steps for early money management -- Setting up financial goals when you're young can set the stage for success if you stick to a budget and set aside money regularly for the things you want ... (See Money management for youths)

Reduce gas pump pain with retailer reward cards -- With consumers spending an ever-larger chunk of income on fuel, it helps to know that some grocers can lessen the pain with gas-incentive card programs ... (See Retailers' gas card rewards)

Refer-a-friend programs catch on for credit cards, prepaid cards -- Current customers, friends can get discounts for signing up, and some programs use social media to spread the word ... (See Refer-a-friend programs)

Sally Herigstad: When good gift cards go bad -- Retailers, like people, go bankrupt, leaving creditors holding the bag. So when it comes to gift cards, limiting your exposure may be best ... (See Gift cards and bankruptcy)

Kim McGrigg: Your credit card agreement trumps your divorce decree -- Even if your divorce decree says your ex takes responsibility for all your joint debts, it may not matter. That's because your credit card agreement takes precedent over your decree ... (See Debt and divorce)

9 steps to take if your credit card data is hacked -- When it comes to protecting customers, all banks are not alike -- but what can you do if your bank's database gets hacked? ... (See Credit card hacked? 9 steps to take)

Kim McGrigg: How to eliminate card debt without hurting your credit -- It's a common question: When you've paid a card off, should you close it? Our expert tells a confused reader what the choice would be for her credit ... (See Debt and credit scores)

A new fee for accessing your own money: Banks debut debit card activity fees -- Wells Fargo has sent notices to customers that starting Oct. 14, it will cost them $3 a month to use a debit card. The activity fees are a way for banks to recoup lost revenue from new caps on "swipe fees" ... (See $ fee for debit use)

5 places with the highest ATM fees -- Need cash and your bank's ATMs are nowhere to be found? If you're stuck in one of these places, be prepared to spend up to $20 for a withdrawal ... (See High ATM fees)

How to keep credit, debit card blocking from ruining your vacation -- Before you even pull the flip-flops out of your suitcase for your week of vacation, your available credit may appear as though you've already paid for the whole trip. Blame it on credit or debit card blocking ... (See Credit card blocking)

10 financing options for cosmetic surgery -- Tummy tucks, facelifts and nose jobs don't come cheap and are rarely covered by insurance. So just how do you come up with the cash to get the look of your dreams? ... (See Paying for plastic surgery)

Erica Sandberg: Getting your foot in the credit door -- Young, educated and debt-free, a reader keeps getting turned down for a credit card and wants to know how to get her credit started ... (See How to get your first credit card)

Consumer Financial Protection Bureau, your new watchdog: What it can do -- Now that the Consumer Financial Protection Bureau has come to life, the new federal agency has a host of issues it can act upon. Here's a closer look at some of them ... (See Topics for the new financial watchdog)

10 million bank customers may see free money coming from overdraft lawsuit settlement -- Bank of America's $410 million settlement is 1st of 30 lawsuits filed over 'biggest to smallest' debit posting practice that maximized fees; refunds are sought for 10 million customers ... (more)

Erica Sandberg: The path to good credit after college -- Follow these four lessons on how to build a great credit profile after you graduate from college ... (See Path to good credit)

Jeremy M. Simon: Frequent car rentals with debit card shouldn't clobber credit -- Renting a car with a debit card may result in a credit check that lowers your credit score. But industry experts say borrowing cars from the same rental agency more than once a month shouldn't increase the damage ... (See Renting a car with debit card)

Fed relents after outcry from bankers, boosts debit swipe fee cap to 21 cents -- An outcry from bankers wins them a break, but their so-called interchange fees will still be halved ... (See Swipe fee cap)

7 tips for maximizing use of a digital gift card -- The market for digital gift cards has tripled in three years. While similar to their plastic counterpart, there are some differences you need to be aware of ... (See Digital gift cards)

6 credit card problems that can ruin your summer vacation -- Here are some credit-related problems that can wreak havoc on your well-deserved holiday, and some tips on what you can do to avoid them, well before you board the plane or pull the car out of the garage. ... (See Summer vacation)

Online layaway: Old-fashioned payment system gets new digital life -- During the recession, the old-fashioned concept of layaway came roaring back to life. Now it even has an online twist ... (See Online layaway)

QA: Holly Petraeus tackles those who prey on military families -- As the daughter of one general and wife of another, Holly Petraeus gets fighting mad at those who prey financially on soldiers. Now she can do something about it ... (See Holly Petraeus)

Travelers to U.S. may face credit card compatibility hurdles -- If European card issuers remove the magnetic stripe from their chip-and-PIN cards, then how would international travelers use their cards here? ... (See Chip-and-PIN cards)

Debit card swipe fee debate pits banks against retailers; consumers in the middle -- Bankers and merchants are fighting hard over the billions in 'swipe fees' charged each time you use a debit card to buy something. But what's in it for consumers? ... (See Debit swipe fees)

Banks change check, debit card clearance process to reduce customer overdrafts -- The former practice of processing biggest payments first had led to high fees, consumer group complaints ... (more)

Jeremy M. Simon: Credit check by car rental firm won't hurt score for long -- Car rental agencies may run a credit check when you rent a vehicle with a debit card, but don't worry: It won't do much damage to your credit score ... (See Debit rental credit check)

Banks cut, cancel their debit rewards programs -- With banks cutting back or entirely scrapping their popular debit card rewards programs, what's a consumer to do? Here are your options ... (See Debit rewards)

Study: For some, prepaid card is better deal than a checking account -- With costs on the rise in the banking industry, a recent study found that prepaid cards might be a sound financial decision for people - even outpacing checking accounts in some cases. ... (See Prepaid card vs. checking)

6 key questions to ask before buying an online coupon deal -- Hit the "buy" button too quickly, and deal-a-day websites can quickly turn into credit card debt. Ask yourself these six questions before you take the plunge ... (See Online coupons)

Using credit, debit card to buy gas now a major financial decision -- 'Blocks' or 'holds' on your debit or credit card funds, along with spiking high prices, can drain an account faster than a gashog drains a tank ... (See Cards and high gas prices)

QA with 'Super Rich' author and hip-hop entrepreneur Russell Simmons -- In a wide-ranging interview, the hip-hop entrepreneur promotes spirituality, peace and defends the fees on his prepaid RushCard ... (See Russell Simmons)

Credit cards magnetic stripes get smarter -- The humble credit card is about to get smart with buttons and displays to keep you on a budget and protect you from fraud ... (See Magnetic stripes)

High-tech tithing: Churches embrace online credit, debit card donations -- Tithing? There's an app for that. Churchgoers have moved past the collection plate to swiping plastic, paying at a vestibule ATM or punching the buttons of their smart phones ... (See High-tech tithing)

Medical marijuana sellers can't take their 420 money to the bank -- Pot merchants, selling legally under state laws, are shunned by major credit card banks, but a few entrepreneurs see a budding opportunity ... (See Medical marijuana: 420 money is shunned by banks)

5 tools for rebuilding your post-recession credit -- A number of credit issuers are stepping up offers to consumers working to regain their financial footing, after months of keeping their coffers closed ... (See Rebuilding your credit)

Free, public Wi-Fi can be dangerous to your credit card, bank accounts -- If you use a free Wi-Fi connection in an airport, cafe or some other public space, you may be taking a big risk with your credit card information. But the good news is there are steps you can take to secure your data ... (See Wi-Fi card threats)

Dan DeFelippi: Secrets of a former credit card thief -- What would a real credit card thief tell you if he had the chance? Dan DeFelippi, convicted of card fraud, says you can't be too careful ... (See Credit card theft)

How different cultures handle credit cards -- With credit card habits varying widely across the world, there are lessons that can be learned from studying how people in other cultures handle money. ... (See Credit abroad)

Experts' credit card and debt predictions for 2011 -- Debit cards cool off, mobile payments soar and we return to some of our old habits, say our prognosticators of plastic payments ... (See Credit card 2011 predictions)

15 fun, easy ways to wrap gift cards -- Amp up the 'wow' factor when giving gift cards this holiday season. All it takes it a little creativity -- and a personal touch ... (See Gift card wrapping)

Prepaid city cards boost 'shop local' campaigns -- The introduction of "city cards" boosts support and shopping for town and cities who want to keep more dollars local ... (See Prepaid city cards)

6 ways you can still enjoy unwanted gift cards -- Your friend, co-worker or loved one had the best of intentions, but they gave you gift cards you don't want. Smile, say thank you -- and then try these methods for getting something else with them ... (See Unwanted gift cards)

Debit card payments surpass checks, credit cards -- New Federal Reserve Board study of noncash payment methods shows debit cards are Americans' first choice when buying retail items. Writing paper checks continued a steady decline and is no longer the No. 1 noncash payment method. ... (See Debit card payments)

Debit cards on campus: convenient or a curse? -- With financial aid funds being dumped onto debit cards instead of paper checks, students have to made aware of tricky fees ... (See Debit cards on campus)

Sally Herigstad: You found someone's lost debit card. Should you pick it up? -- What do you do when you find a lost debit card on the sidewalk? Some experts say you're in for a host of trouble if you pick it up ... (See Lost debit card)

Government payments go plastic -- If you're receiving federal government benefits, a debit card may be in your future. ... (See Government plastic)

Goodbye, checks: State governments move to paying by debit cards, direct deposit -- More state programs are switching to paying benefits via via debit cards, but programs vary widely. Here are nine things to know ... (See State debit cards)

11 buying, spending tips:: Your holiday credit card self-defense guide -- If you don't do your homework and take the time to protect yourself -- not just from fraudsters, but from yourself and your own compulsions -- your holiday bills could go sky-high. These 11 tips can help ... (See Holiday credit card shopping)

Gary Foreman: The first step in any budget: monitoring spending -- If the money always runs out before your payday, the first thing to do is find out where it's going. Here are tips for that crucial first budgeting step ... (See Budgeting steps)

2010 holiday credit card and debit card special promotions -- The halls are decked with deals this season as stores, credit card and debit card issuers team up for holiday promotions ... (See Holiday deals)

Chart: 2010 holiday credit card and debit card special promotions -- Card issuers are rolling out special holiday deals to entice reluctant, recession-weary consumers into spending once again ... (See Chart: 2010 credit card holiday deals)

2011 brings expensive changes to FSA, HSA use -- Unless you have a prescription, that card you've used to buy drugs could have a surcharge tacked on ... (See Health care law)

Gift cards 2010: More consumer-friendly -- New gift card regulations, incentives and conveniences give consumers more reasons than ever to jump on the gift-card wagon ... (See Gift cards 2010)

2010 gift card comparison table -- Even in a tough economy, gift cards are always popular. The 2010 holiday season should be no different. Use this chart to find the gift card that's best for you ... (See Gift cards)

Using PayPal? 10 tips to stay safe -- More than 153 million people worldwide use PayPal for online purchases and sales. Just how safe is it? ... (See PayPal)

Fed moves to close credit card application fee loophole -- Some card issuers had ducked a cap on fees on new accounts by charging a fee before the account was open. Not so fast, says the Fed ... (more)

Sending money to jail, managing it while in prison pose challenges -- Need to send money to someone in jail or prison? Restrictions abound, rules vary and jails are their own mini-economies ... (more)

4 ways to avoid debit card overdraft fees -- and 3 times when you should consider opting in -- The rules have changed on debit card overdraft fees; we offer four cheap ways to avoid them and list three cases in which you should consider opting in ... (See Overdraft protection)

Prepaid cards a new way to bank? -- Though they don't carry the same protections as credit or debit cards, reloadable prepaid cards are how a growing number of Americans are doing their banking: ... (See Prepaid cards)

Going mobile to make payments? You could be losing protection of consumer laws -- When it comes to mobile commerce, all payment methods are not created equal. Transactions linked to prepaid cards offer the least protection against unauthorized use and billing disputes ... (See Mobile payment protections)

Tips for minimizing danger of using an ATM card abroad -- Problems at ATMs are a rarity in America. But if traveling abroad, you may need to be wary ... (See Foreign ATM use)

Instant-issue debit cards go flat - no raised, embossed numbers -- Lost your debit card again? Your local branch can probably issue a new card on the spot, but beware, it looks and feels quite different ... (See Flat debit cards)

Are cash back debit cards worth it? -- Cash-back debit cards are becoming more common, but are they a good deal? Maybe -- as long as fees and restrictions don't bite into your earnings ... (See Cash back)

Help for bad credit -- Got bad credit? Sometimes it can't be avoided. Sometimes it can. Either way, if your credit score's in the dumps, that doesn't mean you don't have options ... (See Help for bad credit)

Help for bad credit: Getting a credit card -- You need a credit card to improve your credit score, but you need a good credit score to open a credit card account. If you're stuck in this frustrating cycle, don’t give up ... (See Help for bad credit: Getting a credit card)

Bill allowing online gambling - but not by credit card - passes House test -- Online gambling may make a comeback: A law that would permit it passed a House panel, but credit cards are still barred from the poker table ... (See Online gambling bill)

Consumer financial protections at least a year away -- Long ramp up time for new Consumer Financial Protection Bureau means consumers will have to wait for credit card protections ... (more)

Credit card contracts unreadable for most Americans -- A CreditCards.com analysis of the contracts filed in a federal database shows most can't comprehend the agreements their credit card issuers send them ... (See Unreadable card agreements)

How to keep track of all those rewards points -- The idea of earning free stuff is so alluring that many consumers now have too many reward programs to keep tabs on ... (See Rewards points trackers)

The high cost of opting in to overdraft fees -- Choosing to opt out of your bank's overdraft program can save consumers a lot of money in fees and charges. ... (See Credit CARD Act)

How to get a credit card if you have bad credit -- A tough economy has left many with bruised credit and lenders reluctant to issue loans. But you can still get a decent card. Here's how ... (See Bad credit credit cards)

Tips to handle online debit card theft -- Your physical card doesn't have to disappear to be stolen. Online card thieves just need your card's number for signature-based transactions ... (See Online debit card theft)

Financial role reversal: Adult children increasingly co-sign for parents' loans -- In a case of financial role reversal, more parents are turning to their children for loans due to the parents' rising debts, falling retirement funds ... (See Co-signing for parents)

Travel tips for countries where cash, not credit, dominates payments -- Going to a country where cash and coin, not plastic cards, must be used? These tips will help you minimize the risks that ATMs and carrying cash can bring ... (See Tips for traveling with cash)

How to evaluate structured settlement buyout offers -- Structured settlement buyout firms let you get cash quickly in exchange for giving up a stream of payments you got from a lawsuit settlement or accident claim. How do you know whether it's a fair payment? ... (See Structured settlement buyouts)

Proposed Treasury rules take hard line against prepaid card fraud -- New rules aimed at fighting crime and terror financing could impact gift card buyers, experts warn. ... (See Prepaid cards)

Debit card growth fueled by small ticket transactions -- The days of weekly ATM withdrawals come to a close as the year-over-year growth of debit card usage is being powered by purchases under $20. ... (See Debit card growth)

QA with 'Paying With Plastic' author David Evans -- In this book author Q&A, 'Paying With Plastic' author David Evans argues we're going through two payment revolutions: paper to plastic, then plastic to "virtual" payments ... (See 'Paying with Plastic' by David Evans)

How to accept credit cards at your next garage sale -- Garage sales have always been relatively low-tech affairs, but if you want to sell a higher-priced item, such as a flat-screen TV or that barely used elliptical machine, cash or checks might not be good enough anymore ... (See Garage sale)

4 keys to credit, debit card zero-liability policies -- So you found some suspicious-looking charges to your credit card or bank account. No big deal. You're covered by the bank's zero-liability policy, right? Not always, so know the rules ... (See Zero liability policies)

GAO report shows non-English speakers have it rougher financially -- A federal report chronicles how limited English proficiency also limits people's ability to get by in the complex financial world ... (See Financial literacy and English)

Cell phone payment system options multiply -- The trend of paying by cell phone, slow to catch on in the U.S., is finally gaining traction with the big players showing interest ... (See Cell phone payment systems)

9 best practices for debit card use -- Debit cards don't let you rack up debt, but they can still lead to trouble if not used wisely. Here are tips from the experts. ... (See Debit cards)

Debit card rewards offers grow in diversity, not so much in generosity -- Though their rewards remain meager compared those of credit cards, debit rewards grow in popularity, type ... (See Debit rewards)

6 ways to choose the right debit card rewards program -- As rewards programs associated with debit cards have grown and flourished, so has their complexity. These tips will help you find and manage the right one for you ... (more)

Keeping currency: U.S. dollar bills could change size, shape, texture to help the blind -- Most of the Western world helps the visually impaired by altering bills to make denominations different. The U.S. is now studying the same idea ... (See Blind currency)

Blippy's blooper: Social networking site leaks consumers' card data -- The social networking site's goof rekindles a debate over how much private data should be public ... (more)

Credit card industry searches in vain for a 'green' card to replace PVC plastic -- Roughly 6 billion credit cards are produced each year by card manufacturers worldwide. Can they be made from something besides plastic? ... (See Green cards)

5 Earth-friendly credit card moves you can make now -- You may not be able to immediately ditch your plastic card, but there are several moves you can make to soften its eco-impact ... (See Eco-friendly credit card moves)

Travelers checks decline in use: Most leave home without them -- Once you wouldn't leave home without travelers checks. Now they're fading from use ... (See Travelers checks)

Consumer groups to Fed: Stop debit card overdraft opt-in 'scare' tactics -- Federal regulators got an earful from banks and consumers on its proposed rules to change overdraft protection to an opt-in feature, including complaints that banks are using scare tactics to get customers to sign up ... (See Overdraft opt in)

Magnetic mysteries: 6 answers about magnets' impact on credit cards -- Can cell phones erase the data on a credit card's magnetic stripe? How about MRI machines or those magnets that keep your purse closed? We took these questions and others to a physics professor in search of the truth. ... (See Magnet)

QA with Manisha Thakor, author of personal finance book 'Get Financially Naked' -- 'Get Financially Naked' with your honey -- or face big money woes, book author says. ... (See Naked)

Gift card rules mean fewer fees, more time to use cards -- Concerned that your old gift cards may become little more than worthless plastic before you get the chance to use them? Exhale. That's much less likely than it used to be. ... (See Gift card rules)

What to ask before getting a lawsuit settlement loan -- You may have seen the ads on TV -- "Cash for injury and employment cases!" These lawsuit loans should be a choice of last resort. But if you're considering one, asking yourself these key questions first can help keep your costs down. ... (See Cash)

10 places NOT to use your debit card -- They may look just like credit cards, but debit cards have different protections and uses. Sometimes they're not the best choice. ... (See Debit)

Credit card issuers' financial cell phone apps -- Back when, your cell phone was just for talking on the go. Now, mobile banking applications let you manage your finances, and include tools for credit cardholders. ... (See App)

Consumers shying away from credit cards when shopping online -- The poor economy and consumers' growing aversion to carrying large credit card balances may be why more alternative forms of payment are being used for online purchases. ... (See Shop online)

White House online town hall credit card reform transcript -- This transcript chronicles the conversation between administration officials and CreditCards.com readers on Feb. 22, 2010, the day a federal credit card reform law took effect. ... (more)

Graphic: Statistics of ATM use in the United States -- The amount and use of ATMs in the United States has grown slowly since 1999. Check out this graphic that breaks down the amount of monthly transactions, total stand-alone and total machines and total transactions. ... (See ATM stats)

New credit card era begins with latest CARD Act provisions -- It's a new day for credit cards. As of Feb. 22, new consumer protections within the Credit CARD Act of 2009 take effect. ... (See Era)

Tips for rebuilding your credit after divorce -- A disabled domestic violence survivor and divorcee not only needs to rebuild her life, but also her credit. ... (See Rebuild)

Poll: On eve of credit card reform, few understand what new law holds -- Significant numbers of consumers are unaware of the most important elements of the new package of credit card rules. Worse, many have erroneous assumptions about what the new rules do address. ... (more)

'Emergency PINs' to summon help at ATMs: Law could bring urban myth to reality -- It's not true: Punching your ATM's PIN in reverse won't summon the cops. But Congress liked the urban myth enough to mandate a study of the idea. ... (See Reverse PIN)

How the Credit CARD Act affects gift cards -- Americans -- and retailers -- have grown to love the convenience of gift cards. Their terms have not always been consumer-friendly, though, and the law takes aim at some of them. ... (more)

Bulk up your thin credit in 4 easy steps -- When getting started with credit, the key is to start small, then build up gradually over time. These four easy steps can get you on your way. ... (See Thin credit)

Compare debt-free plastic payment options: debit, charge cards -- Charge cards and debit cards can help you manage cashflow and stay out of debt, but they each come with a risk. Here's how to make them work for you. ... (See Budget tools)

Giving charity gift cards? Mind the fine print -- Whether you're looking for a tax write-off, a meaningful gift for a loved one or just a way to do a good deed, you may want to consider a charity gift card. But be warned: These cards' fine print can hold terms that are, well, less than charitable. ... (See Charity cards)

New Year's personal finance predictions for 2010 -- You'll change the ways you and your family will spend, borrow and save, experts predict. ... (See 2010)

Don't be 'breakage' -- 8 tips to avoid losing gift card value -- About $5 billion worth of gift cards go unused yearly. The industry calls that lost value 'breakage,' and it means big profits for them and lost money for you. ... (See Cash)

Don't expect to see cell phone payment history on your credit report -- Don't look for your cell phone provider to report your payment history -- good or bad -- to credit bureaus, unless you're so late with payments that they opt to close your account. ... (See Cell phone)

Personal loans offer less risky alternative to credit cards -- Think of a personal loan as a credit card's more-stable, less-popular cousin -- it's just as pricey, but its terms tend to be fixed. ... (See Personal loans)

Sending remittance money to friends, family abroad? Options abound -- Sending money across the country or to a foreign land used to be costly and time-consuming. Today it may be neither, but there are still tricks to it. ... (See Payments)

Enforcement delayed on Internet gambling ban -- Federal regulators gave credit card-wielding gamblers -- and the banking industry -- six more months before an Internet gambling ban goes into effect. ... (See Delay)

Buyers' guide to gift cards: 5 questions to ask before buying -- Want to save money on gift card purchases? Ask yourself some key question and do a bit of homework; your extra effort can mean cash left over in your pocket. ... (See Guide)

5 key federal laws help protect credit cardholders -- There are many federal laws that are in a credit cardholder's corner, and it's important that prospective and current cardholders are knowledgeable about their legal rights. Here are the top five laws covering consumer credit that you need to know. ... (See Laws)

Debit card users now more protected from fraud, study says -- Debit card users at the nation's 25 largest banks have fraud protection that's long been reserved just for credit cardholders, a new study reveals: They no longer have to pay a cent if fraudulent charges are made on their debit card. ... (See debit cards, liability)

Credit card video: 3 fun ways to wrap a gift card -- Spice up those impersonal gift cards this holiday season with some fun, creative gift wrapping suggestions. Cynthia Drake with CreditCards.com offers some inexpensive and easy ways to make those presents more exciting. ... (See Video)

2009 gift card comparison table -- Times are tough, but gift cards will continue to be a popular present during the 2009 holiday season. Use this chart to find the gift card that's best for you. ... (See Gift cards)

Fed issues rules restricting gift card fees, expiration -- Clearer disclosures of gift fees terms and conditions are also included in the rules that take effect in August 2010. ... (See Gift cards)

Fed: Consumers must opt in to debit card overdraft fees -- Consumers must opt-in to debit card overdraft fees, new Federal Reserve rules say. Congress is still pushing ahead on a more-sweeping overdraft law. ... (See Opt in)

11 golden rules of practical gift card giving -- Pampering at the spa? Expensive round of golf? Out. Practical gifts are in this holiday season, and that goes for gift cards, too. ... (See Practical)

Collectible gift cards can be both practical and fun -- Although the holidays this year are expected to be heavy on practical presents, giving gift cards can still be fun -- including those featuring 'Twilight' and 'Star Trek' themes. ... (See Robert Pattinson)

Convenience (checks) comes at a price -- When it comes to convenience checks, your best bet is to proceed carefully. The fees and interest on convenience checks can quickly escalate, and they can be potential targets for identity thieves. ... (See Costly)

Avoid headaches with this 5-step plan for traveling with credit cards -- Most people don't consider their credit cards when they're traveling overseas. That's a mistake. These 5 steps will get you and your cards abroad and back safely. ... (See Travel)

6 ways to prevent bank overdraft fees -- Banks and credit unions collected nearly $24 billion in overdraft fees last year. Find out how you can help keep some of that money in your pocket. ... (See Overdraft tips)

Toys R Us joins retailers offering layaway plans -- 'Pay now, buy later' plan feeds on consumers' new distaste for debt. ... (See Layaway)

Financial transactions surpass 100 billion in 2009 -- The number of electronic and check transactions taking place will reach record levels, surpassing 100 billion by the end of 2009. ... (more)

CreditCards.com's guide to online holiday shopping 2009 -- The sour economy will push more people online to do their shopping this year; these steps will help keep your experience free of cybergrinches. ... (See Shopping)

Study: Consumers get more frugal, practical with buying gift cards -- Even though more consumers are purchasing gift cards this year, they're being purchased in smaller amounts and used for more practical items, a new study reveals. ... (See Gift cards)

An employee guide to pay cards -- Paper paychecks are becoming a thing of the past, with plastic payroll debit cards (or pay cards) taking their place. Here's a rundown of what you need to know ... (more)

More employees say 'hello' to payroll cards -- When the nation's largest private employer announces it's discontinuing employee paychecks in favor of a 100 percent paperless payroll system -- in part through the use of payroll cards, or pay cards -- it's time to sit up and take notice. ... (See Debit)

Banks' checking and debit overdraft policies draw scrutiny -- Banking overdraft fees are the subject of studies and scrutiny as consumers, legislators and industry officials weigh in on the controversial practice. ... (See Fees)

'Pay for grades' movement stirs passions among teachers, parents -- The 'pay for grades' movement has spread from urban cores to affluent middle-class cities around the country, with supporters and opponents squaring off in equal measure over its effectiveness. ... (See Students)

FTC settles prepaid card misrepresentation case -- A company settled with the Federal Trade Commission after allegedly charging unaware consumers, who thought they were filling out loan applications, for a prepaid card. ... (more)

7 signs Americans are getting smarter with credit -- Lately there have been a handful of signals that consumers are getting a lot smarter when it comes to the cards. Here are seven. ... (See Wiser)

Study: Prepaid cards full of hidden dangers -- Though touted as a way to stay debt-free, the use of prepaid cards may subject consumers to high fees -- and the money may not be safe. ... (See Fees)

Have card, will travel: A guide to traveling with a credit card -- You need to take steps before, during and after the trip if you want your travel to be enjoyable for you and your credit. ... (See Travel)

12 cool uses of RFID chips -- Implanting a tiny radio device may not be for you, but it can do some cool tricks. Here are a dozen. ... (more)

Do credit card rewards make people spend more? -- Study: The allure of credit card rewards is one contributing factor that may lead to increased card debt. ... (more)

Study: Credit cards face bleak future -- New research indicates that consumers may never return to their old charging habits, jeopardizing the future of the credit card industry. ... (See Future)

5 post-bankruptcy myths -- While bankruptcy may offer a fresh start, many consumers worry about how it will ultimately impact their financial future. Recovery takes time, but it's not as bleak as you may think. ... (See 5 bankruptcy myths)

Will that be cash, check or cell phone? -- Credit card issuers are working hard on rolling out mobile payment technology to U.S. customers. However, compared to Europe and especially Asia, payment by cell phone here is still in its infancy. ... (See Mobile)

Is credit card loyalty for chumps? -- Your loyalty may make you a stellar best friend, but it's not doing you any favors with your credit card company these days. The dismal economy may have turned your card issuer into a turncoat. ... (See Loyalty)

Most rental car companies accept debit cards, survey finds -- While it's easier to use a credit card than a debit card to rent a car, nearly all agencies allow debit, a CreditCards.com survey shows. ... (See Rental cars)

Summary chart: Restrictions rental agencies impose to rent car with debit card -- Renting a car with no credit card? It can be done, but rental car agencies impose many restrictions and extra demands on debit card users. ... (more)

Strapped for cash? Pawnshops offer short-term solution -- Credit cards maxed out? Look no further than your jewelry box to turn valuables into cash with a quick trip to your local pawnshop. ... (See Pawn)

The world's 10 weirdest currencies -- A Pennsylvania banker's collection of odd currencies reveal much about different times, cultures. ... (See Weird money)

New credit cards to help in fight against breast cancer -- A new credit card launched by Bank of America will allow consumers to help support breast cancer research and the Susan G. Komen for the Cure, a prominent breast cancer organization, through their everyday banking activities. ... (See Komen)

Credit card foreign transaction fees going up - but a few issuers drop them -- The general trend is up for foreign transaction fees, but a few issuers have bucked the trend and dropped the fee from top-end rewards cards ... (See Foreign transaction fees)

ATM provider releases list of safety tips -- ATM service provider PULSE released a list of tips for protecting customers while using debit cards at ATMS and point-of-sale (POS) terminals. ... (See ATM safety)

Mobile payments predicted to skyrocket -- Mobile payment transactions are expected to catapult to nearly 4.5 billion in 2012 -- a 429 percent increase from an estimated 850 million in 2009, consulting firm Gartner Inc. predicted in a May 28 report by CardLine Global (subscription required). ... (See Mobile)

8 tips to reduce unemployment prepaid card fees -- For many unemployment recipients, the switch from paper checks to prepaid cards is hardly the win-win situation ... (See Fees)

Eco-friendly initiatives focus on plastic gift cards -- A handful of eco-friendly initiatives are giving new meaning to the term "green card." ... (See Green)

American Express, U.S. Bank contend for rewards card customers -- In the wake of Delta's merger with Northwest Airlines, American Express announced April 27 it will be taking over Northwest's WorldPerks rewards program. Meanwhile, WorldPerks' former provider, U.S. Bank, sought to stay competitive by introducing its own expansive rewards card. ... (See Fliers)

Visa's debit card transactions overtake credit cards -- In an economy that is encouraging more thrifty behavior, consumers are turning to their debit cards instead of their credit cards at record levels. ... (See Debit)

Health debit cards take the hassle of medical bill payment -- Despite initial excitement over use and convenience of debit cards for medical expenses, the payment cards have been slow to catch on. ... (See Medical)

Hybrid credit, prepaid cards may offer crunch relief -- Consumers trapped in the credit crunch may soon have another choice when hybrid credit/prepaid card combos become more widespread. ... (more)

IRS rules that fee for paying taxes with credit, debit card is deductible -- New ruling creates a break for paying tax by plastic -- but only for some ... (See IRS)

Capital One pulls out of health care financing market -- Capital One will end its Healthcare Financing program April 10, 2009. The company cites the credit and economic environment. ... (See Cap One)

4 ways to receive bonus gift cards -- Shop at the right place or time, ask the right questions and a free gift card could be yours. ... (See Bonus)

Credit Card Help: 9 things you need to know about prepaid cards -- Thinking about picking up a reloadable prepaid card? Here’s what you should know first ... (See Reloadable prepaid card tips)

Fed invites comments on banks' automatic overdraft programs -- The Federal Reserve Board is asking consumers to comment on potential changes to regulations governing banks' controversial overdraft protection programs. ... (See Overdraft)

Prepaid card use rising as credit cards stutter -- As credit cards stumble in a unpredictable economy, three companies are rising stars in the prepaid market. ... (See Rising)

'Contactless' credit cards spark concerns for data privacy -- The credit-card swiper you now use at the checkout counter may eventually be obsolete, but privacy advocates question whether contactless cards are more for convenience and less about keeping customers' data safely protected. ... (See RFID)

7 tips for starting a credit history amid an economic crisis -- In today’s rocky economy, those seeking credit for the first time must adopt new strategies, think creatively. ... (See Starting a credit history during an economic crisis)

U.S. Bank, AeroMexico forge airline rewards card partnership -- U.S. Bank has partnered with Mexico City-based AeroMexico to offer a frequent flier program through the AeroMexico Visa and AeroMexico Visa Signature credit card. ... (See U.S. Bank)

What happens to prepaid cards when a business is sold? -- Most business owners follow both logic and good business sense and honor prepaid cards. Sometimes, however, you run into someone who doesn't. ... (See Prepaid)

Credit card biometrics making its way from the movies to the marketplace -- Credit cards with biometric security features may no longer be the stuff of spy movies, but a mainstream alternative to sloppy signatures and forgotten passwords. ... (See ID theft)

Wal-Mart cuts its prepaid MoneyCard fees -- In a move to capture a larger share of the prepaid card market, Wal-Mart Stores Inc. announced it is cutting the price of its MoneyCard. ... (See Fees)

9 ways to budget with a prepaid card -- Living without plastic is hard, but switching to prepaid cards can help you avoid debt and teach you how to live within your means. ... (See Prepaid)

Consumers have fewer options for using credit cards for medical expenses -- As the credit crunch deepens, using credit cards to pay for health and medical expenses may no longer be an option. ... (See Crunch)

Trial version of iPhone credit card processing app available -- iPhone users’ wait for ProcessAway, an application that can turn their mobile device into a handheld credit card terminal, just got a little shorter. ... (See Mobile charges)

ATMs aren't just for cash withdrawals anymore -- Stamps? Gift cards? Bill pay? Concert tickets? In the past few years, automated teller machines have started offering more than cash. ... (See ATMs)

5 tips for talking to elderly parents about credit card debt -- As parents age, many of their children have to get more involved in their finances. We look at when, why and how to step in, how to handle problems that broaching the topic might create, and how to handle the relationship on an ongoing basis once you've gotten involved. ... (See Tips)

Online gambling a multibillion dollar industry -- Internet gambling started around 1995 and has grown into a multibillion dollar industry. ... (more)

How to replace a lost or stolen gift card -- The reason so many of us love gift cards -- they're a lot like cash -- is also the reason they can be hard to replace when they're stolen or lost. However, there are steps you can take to reclaim that moolah. ... (See Lost, stolen gift cards)

Here's how to help young adults with bad credit -- Many young adults find themselves in credit card debt with no means or knowledge on how to get themselves out. Here's some advice. ... (See Credit lessons)

Credit card statistics, industry facts, debt statistics -- Read recent credit card statistics, surveys and research from a variety of sources. This frequently updated compilation of credit card statistics is all sourced, making fact-checking and research easy. ... (See Credit card statistics)

How to turn your driver's license into a debit card -- If you live in one of 24 states that attach a magnetic stripe to their driver's licenses, you can easily transform yours into a debit card. ... (See License)

9 predictions for credit cards in 2009 -- This has been a tumultuous year for credit cardholders and issuers. What does 2009 hold? We'll take a look. ... (See '09 card predictions)

Specialty gift cards and comparison chart -- Bird lover? Chocoholic? As a holiday gift-giver, it might be nice to give a specialty gift card that will encourage recipients to temporarily forgo frugality, despite the glum economy. ... (See Gifting)

Giving the gift of flight with airline gift cards -- Anyone considering giving an airline gift card should make sure all the terms and conditions won't prevent redemption ... (See Airline gift cards)

Airline gift card comparison chart -- Anyone considering giving an airline gift card should check all the terms and conditions first to make sure your gift is a good fit ... (See Air cards)

Gifts that give twice: Charitable gift cards -- Give more meaning and economize your holiday gift giving by purchasing gifts that give twice -- charity gift cards. ... (See Charity)

Gift cards: Practicality is in for '09 -- Gift cards are still wildly popular, even as Americans struggle through the recession, but many people are rethinking how they use them. ... (See Holidays)

Tips to get the most from bankrupt retailers' gift cards -- If you're like most Americans, you have some unused gift cards, and you'll likely get more of the popular plastic this holiday season. But even as more companies declare bankruptcy, there are steps you can take to avoid ending up with a useless gift card. ... (See Gift cards)

Gift card malls cut time, gas costs and money for holiday shopping -- The country's continuing economic downturn has created an atmosphere ripe for the one-stop shopping convenience of gift card malls. ... (See Malls)

Ruling: Prepaid stored-value cards qualify for $250,000 FDIC deposit insurance -- The FDIC has ruled that money held on prepaid or stored value cards can qualify for deposit insurance if banks set up the accounts. ... (See FDIC)

Debit card rewards programs gaining acceptance -- Major banks are pushing debit card rewards programs at consumers. Which are worth it? We compare. ... (See Rewards)

As holiday budgets tighten, gift cards remain popular -- Although holiday sales overall are expected to take a hit this year, analysts say gift cards' popularity will continue. ... (See Gift cards)

Don't lose those expired gift card funds -- For most gift cards issued by major retail chains, expiration dates are, well, expiring. Still, for those consumers whose gift cards do expire, there are ways to recover those funds rather than losing them forever. ... (See Expired cards)

Study: Who gets gift cards (and which kinds we prefer to get) -- Statistics on gift card preferences broken down by ethnicity and gender. ... (more)

2008 gift card comparison table -- Gift cards will continue to be a popular present this holiday season even in the face of the current economic disorder. Use this chart to find the gift card that's best for you. ... (more)

Top 10 creative ways to wrap gift cards -- The solution for gift-card lovers or skeptics comes in the form of thinking outside the box -- the ubiquitous, gift card-sized gift card box, that is -- and in getting creative. ... (See Gift card wrapping ideas)

Discounts: 18 ways to get gift cards for less -- Use these techniques to pay less than face value or boost buying power of a gift card ... (See Discount gift cards)

Advocates for the blind take aim at touch-screen terminals -- For the blind, it's tough enough already to tell a $5 bill from a $20. New payment technologies such as touch-screen point of sale terminals now pose new challenges. ... (See Screens)

5 secrets to smart debit card use -- Debit cards are more common now than ever. We'll give you some helpful tips to make sure you're using them in the smartest way possible. ... (See Read the fine print)

US credit cards outdated, less useful abroad, as 'chip and PIN' cards catch on -- Sure, you can swipe to heart's content here in the United States. But bring that mag-stripe card to Europe and chances are it won't work as the credit card technology there is years ahead. ... (See PIN)

As private college loans dry up, students may turn to credit cards -- Students facing a 'perfect storm' of tight job market and fewer available loans may have to turn to credit cards to fund their studies. ... (See Charge it)

10 questions to ask about layaway plans -- Looking to layaway? Here are 10 questions to ask that will help you find a good layaway plan -- and avoid those that should be thrown away. ... (more)

Electronic voting by ATM idea hasn't caught hold -- After 2000s contentious election fades into the chaddy past, so does the call to use the banking system's ATM networks as voting machines. ... (See Paper rules)

Prepaid cards need safeguards against bank failures, groups say -- A coalition of consumer groups is asking for emergency provisions to protect funds held on prepaid debit cards. ... (See Prepaid debit protections)

Consumer groups ask FTC for tougher gift card protections -- Consumer groups filed a petition Thursday asking federal regulators to do more to keep consumers from losing money on gift cards from bankrupt retailers. ... (See Gift cards)

Witnesses call for federal legislation at Senate hearing on prepaid calling cards -- Got a minute? Too many prepaid cards don't deliver the ones they promise, witnesses told a U.S. Senate committee. ... (See Prepaid cards)

Could you live without credit cards? Here's how some people do -- Forgoing credit cards and leading a cash-only lifestyle today seems as foreign as mailing a handwritten letter: We know some people do it, but it's hard to understand why. ... (more)

Unemployment benefits switch from paper to plastic -- With jobless rates rising, more and more Americans are entering their state's unemployment insurance maze. Just don't expect to receive the traditional paper check if you find yourself needing assistance, as nearly half of the country has started delivering these benefits through debit cards. ... (more)

Rent a car with debit card or cash? Expect to try harder -- A CreditCards.com survey of 45 car agencies across the U.S. finds you can rent a car without a credit card, but you have to jump through more hoops. ... (more)

Lunch money goes cashless in many school cafeterias -- Getting your lunch money stolen is so 20th century. Today's school students pay for school lunches with ID cards and fingerprint scanners. ... (See Lunch)

Tips for comparing gas cards and escaping high fuel prices -- We'll help you cope with the rising cost of gas, beware pump-side scams and learn smart ways to finance fuel costs. ... (more)

Using a debit card for travel: problems and risks -- Debit cards are popular, but are not always the best choice for travel. ... (more)

Contactless credit cards' future in doubt -- Contactless credit card technology is supposed to be the wave of the future. So far, according to experts, few seem to care. ... (more)

Do-it-yourself credit cards studied -- Based on her research of low-income women, a Harvard lecturer says they would be better served by a 'self-directed credit card,' allowing them to set their own credit card limits and restrictions. ... (more)

The real dirt on celebrity credit cards -- We'll buy their branded clothes, their branded perfumes, their branded sheets -- but we won't use their branded cards to buy them. Why celebrity cards haven't found a place in our wallets. ... (more)

3 must-ask questions for multiuse campus / student ID cards -- Campus cards, like anything involving money, are not free from potential pitfalls, and the cards' fees and policies can be as different as Buckeyes and Wolverines. ... (more)

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. ... (See Paperless)

More landlords accepting rent payments by credit card -- While acceptance is hardly universal, a growing number of landlords allow paying rent by credit card. ... (more)

How 'cashless' trend affects those who rely on cash -- In a society that increasingly relies on payments by plastic, some who depend on the actual paper dollar have to adjust. ... (more)

Automobile gas cards popularity falls -- Fewer people are using one-company gas credit cards to buy gasoline for their cars. Drivers want the freedom to choose different gas and payment methods. ... (See Gas cards)

Auto gasoline cards: Compare gas cards -- CreditCards.com reviewed terms and conditions for the top 29 gas credit cards and found more rewards, cash back, points and rebates -- and no annual fees. ... (See Gas cards)

Students universities fees credit card processing costs -- With tuition costs rising and credit tightening, more students are opting to pull out the plastic to pay for their classes. Not all colleges like it. ... (more)

Pros and cons of tapping your retirement with 401(k) debit cards -- Now there's a debit card that allows you to access the funds you've saved in your 401(k). It offers flexibility for borrowers -- and scares the pants off financial planners.). ... (more)

Buying pirated music with credit cards: potentially risky -- Those who use their credit cards to buy songs from controversial Russian-based Web sites may be engaging in international piracy. ... (more)

Despite lingering online fears, virtual credit cards stall -- Although the paranoia that spawned them and the hoopla that accompanied their birth have died down, virtual credit cards are still available for those who want extra assurance ... (more)

529-linked credit cards help make college more affordable -- New credit cards link to 529 plans and function like cash-back credit cards, putting rebates into a college savings plan ... (more)

6 tips for organizing gift, debit and credit cards -- Between gift cards, debit cards and credit cards, you can end up with a lot of plastic. Here are six organizing tips. ... (more)

Credit card spending increases for health care -- A CreditCards.com poll found that nearly two out of three Americans say they or their family could face hard financial times if they experience a serious illness. ... (more)

Health care credit cards rise to fill insurance gap -- As the ranks of the uninsured soar and medical costs rise for those with insurance, a new generation of health care cards is emerging on the market, but not everyone is cheering their arrival. ... (more)

CreditCards.com poll results: Credit and health care costs -- A CreditCards.com poll finds a majority of Americans realize that inability to pay their share of health care costs has the potential to wipe them out financially. ... (more)

15 tips for paying high medical bills -- Savvy consumers should comparison shop for payment options when paying for medical expenses. Here are some helpful tips to cope with high medical bills. ... (more)

Comparing health care credit options -- Credit card issuers are offering a growing number of options for financing medical expenses. Use this table to compare and find the best deal. ... (more)

United Way links card use to donations -- One of the country's best-known nonprofits is trying to raise money from the rise in Americans' use of credit and debit cards. ... (more)

Shifting environment in fees, security breeds Revolution Card -- An well-financed upstart is taking on the card network giants and hopes merchants and consumers will embrace it. ... (more)

12 tips for renting a car with a debit card -- Renting a car with no credit card can be done, but expect extra obstacles and costs. These tips can help you overcome them. ... (See 12 tips)

21 resolutions to beat credit woes and debt regret -- Minimize debt and maximize credit advantages in the coming year with these 21 credit and debt resolutions. ... (more)

The history of credit cards -- A history of credit cards, including the first general use credit card and the first charge card. ... (more)

How to claim expired gift card funds -- Tips for reclaiming 'lost' gift card money ... (more)

Gift card survey shows it pays to comparison shop -- If you want a 'use anywhere' gift card, expect to pay for the privilege, says the CreditCards.com survey. ... (more)

CreditCards.com survey of leading gift card providers -- CreditCards.com surveyed leading gift card providers to compare popular gift cards. ... (more)

New programs encourage paying your mortgage via credit card -- Experts say these programs can work for the well-heeled, but for most, putting a house on cards is as financially flimsy as a house of cards. ... (more)

Credit card fraud and online shopping -- Learn the credit card fraud dangers of online shopping and how to avoid them. ... (more)

'Point cards' offer virtual rewards to video gamers -- A new plastic currency for Xbox 360 and Wii lets video gamers pay real money for unreal advantages in their virtual worlds. This 'gamer currency' might be a great gift idea, but there are drawbacks. ... (more)

Disaster preparedness: Using credit cards wisely after catastrophes -- These nine questions and answers will help you use credit and credit cards wisely after a catastrophe ... (See Financial FAQs)

Debit card and credit card usage rise as primary payment choice -- As debit card and credit card purchases become increasingly popular, check and cash payments wane. ... (more)

Pro football credit cards debut from NFL, Bank of America -- Credit cards for the sports nut have gone pro, just in time for the kickoff of the National Football League season. ... (more)

CreditCards.com editorial policy, corrections policy -- CreditCards.com strives to publish accurate information. If you believe we have published something in error or wish to comment on an article, please e-mail us at editors@CreditCards.com ... (more)

Prepaid Credit Card Company: EDP gets blocked by FTC -- The FTC has blocked prepaid credit card company EDP after complaints of unauthorized withdrawals. ... (more)

Artist peddling designs for your credit card -- Anthony Adams makes unique credit card designs and skins. Read more at CreditCards.com. ... (more)

Credit card, debit card payments displace checks and cash -- Credit cards continue to displace cash and checks as the preferred method of payment at businesses across the U.S. According to the Federal Reserve Payments ... (more)

The silver lining: new options for clouded credit -- Consumers with bad credit will welcome the relatively recent popularity of prepaid credit cards and secured credit cards. ... (more)

Prepaid cards: A good option for younger users -- For those under 18, prepaid cards are available. ... (more)

Secured credit cards offer consumers a low-cost way to rebuild their credit -- Secured credit cards offer borrowers access to a line of credit, even if those borrowers don't have good credit histories. Here's how they work. ... (See Secured cards)

Prepaid Credit Card: The All-Access Prepaid Card from Mastercard -- No bank account, credit check, or monthly fee required. Is a prepaid credit card right for you? ... (more)

Debit card survey shows consumers prefer them over credit cards -- A new debit card survey shows consumers prefer debit cards to credit cards. ... (more)

Merchants encourage use of PINs for debit card payments -- Merchants encourage PIN numbers in debit card transactions due to lower fees. Read more at CreditCards.com ... (more)

MasterCard to be used at Coca-Cola vending machines -- Following a contract with Coca-Cola, MasterCard will be accepted for vending machine purchases. Learn more at CreditCards.com. ... (more)

Pay taxes with a credit card -- Need to pay your taxes? Try using your credit card. ... (more)

Prepaid debit cards for teens control overspending -- Learn how debit cards for teens can be good teaching guides when set with prepaid spending limits. ... (more)

Bank of America to test cell phone credit cards -- Bank of America employees in Delaware will begin testing cell phones that can be used as credit cards. ... (more)

Prepaid debit cards replace unemployment checks in Indiana -- The state of Indiana has replaced its unemployment checks with prepaid Visa debit cards. ... (more)

Prepaid Visa RushCard provides low fees for cardholders -- Learn how the prepaid Visa RushCard provides flexibility and relatively low fees for consumers. ... (more)

Prepaid Cards: Less waiting time for approval -- See why prepaid cards are more quickly approved than regular credit cards. ... (more)

Pay via cell phone with new MasterCard credit card application -- ViVOtech plans to put a MasterCard credit card application inside cell phones for tap-and-go payments. ... (more)

Microsoft micropayments create competition for credit card companies -- Xbox maker Microsoft noted its planned payment system would allow merchants to take micropayments -- presenting a potential that would challenge to credit card companies. ... (more)

Bank of America unveils new affinity banking programs -- Bank of America is set to build on its successful stable of affinity credit cards associated with universities, charities and other organizations by offering deposit ... (more)

Consumers need to make smart decisions about debit card use -- With debit cards becoming more popular in relation to credit cards, consumers need to make smart decisions about their use. ... (more)

Debit cards will be the payment of choice this holiday season -- A study predicts holiday shoppers will use their debit cards more than credit cards and checks. ... (more)

Prepaid credit card savings plans' interest rate increases -- Save more with NetSpend's prepaid credit card interest rates. ... (more)

Credit card usage for church donations growing in popularity -- Sunday morning leave you without cash? Use your credit card for a donation in church. ... (more)

Contactless credit card: Technology reshaping the way we spend -- The contactless credit card is one way your shopping experience will change in the future. ... (more)

Debit card: PIN vs. signature -- Three reasons to choose the signature (credit) option over punching in a PIN when using a debit card. ... (more)

Credit card debt information (2006-2007) -- Listing of facts and statistics related to the credit card industry and personal debt. ... (more)

Debit card version of Monopoly released -- The new British version of the classic board game Monopoly, known as Monopoly Here & Now, replaces the game's toy money with a mock Visa-imprinted debit card. ... (more)

Debit or credit: Learn the differences -- Determine whether you should have a debit or credit card in your wallet. ... (more)

Prepaid debit cards provide options for people without credit history -- Learn how prepaid debit cards provide the benefits of a credit card without risking overspending. ... (more)

Rebuild your credit with the Eufora Prepaid MasterCard -- Learn about rebuilding credit with a credit card that reports directly to the credit bureau. ... (more)

Plastic transactions overtake cash, check payments -- The growth of bank debit cards has led the way in overtaking cash and check transactions and has also been driven by broad merchant acceptance. ... (more)

Prepaid debit card benefits and disadvantages -- Learn prepaid debit card benefits including worldwide functionality and risk-free spending. ... (more)

Prepaid debit card technology tracks through wireless devices -- Track your prepaid debit card spending via text messaging on wireless devices. ... (more)

Prepaid cards: How they differ from debit and ATM cards -- Read how cash rebate credit cards work and how you can receive cash back. ... (more)

Line of credit versus paying in cash -- There are pros and cons to using a line of credit over cash for daily purchases. ... (more)

Credit Card Terms: A glossary of commonly used words and terms. -- Understand commonly used words, phrases, and acronyms in the credit card industry with this credit cards glossary. ... (more)

Online credit card applications: FAQ about CreditCards.com and your card application -- If you're wondering whether it's safe or smart to apply for a credit card here at CreditCards.com, it's both. Here are answers to frequently asked questions ... (more)