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Research, statistics

A roundup of the latest credit card research, reports and statistics -- with tips to help consumers use the information.

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Latest credit card news

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Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

NY Fed: Consumer debt up in Q2 -- Credit card loans and other nonhousing consumer debt rose, according to the quarterly analysis by the Federal Reserve Bank of New York ... (more)

Health care companies turn to 'big data' -- More health care companies purchase intimate details about patients, such as their income and buying habits, and use it to make predictions about their health ... (See Health care data)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

Credit card complaints Q1 2014: a graphical look -- What are credit card users angry about? Billing disputes, say the complaints filed with the Consumer Financial Protection Bureau in the first quarter of 2014 ... (See Complaints)

Customers with overdraft protection pay quadruple in fees -- People who opt for overdraft protection on their debit transactions pay a lot more in total fees than other checking account users ... (See Overdraft protection fees)

Pros and cons of charging automatic payments to a credit card -- Charging automatic payments on a credit card can be beneficial for busy consumers, but it also has its faults. Here are the pros and cons to think about ... (See Automatic payments)

Fed: Card balances rise, keep pace with slow spending growth -- Credit card balances increased a modest 1.3 percent in June marking a fourth month of continued revolving debt growth, the Federal Reserve said Thursday ... (See Card balances rise)

CreditCards.com 2014 retail credit card survey data -- Compare interest rates, rewards and more from this detailed comparison of 61 cards issued by 36 retailers. Part of CreditCards.com's 2014 Retail Store Card Survey ... (See Retail card data)

Retail card survey 2014: APRs higher, rewards complicated -- The cost of borrowing from your favorite retailer has gone up: The average APR on the credit cards from America's largest retailers has climbed more than 2 percentage points to 23.23 percent, according a new CreditCards.com survey. ... (See 2014 rewards survey)

Card APRs locked at 15.03 percent for 5th week -- Aug. 6, 2014: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report Aug. 6)

Banks loosening grip on credit cards, says Fed survey -- Banks continue to get more generous with new cards, but subprime applicants still feel a chill, according to the Federal Reserve's quarterly survey of loan officers ... (See Senior loan offiicers' survey)

Americans' choice in noncash payment has become debit cards -- Americans are increasingly opting for electronic payments and debit cards, a study by the Federal Reserve System shows ... (See Noncash payments)

Rates remain at 15.03 percent for 4th week -- July 30, 2014: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Poll: Americans say they are careful with money -- While Americans say they are careful with their money, they are also saying they have bought more at the store than they meant to ... (See Saving money)

How America pays: Fed study paints big picture of card trends -- How many credit cards are there? How many debit cards? How many checks do we write? The Federal Reserve's new payments study paints a statistical portrait of how we spend ... (See Payments study)

Rates remain at 15.03 percent for second week -- July 23, 2014: Interest rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Study: Data breaches pose a greater risk -- It used to be that just 1 in 9 victims of a data breach had the hacked info used against them. Now the odds are 1 in 3, says a new study ... (See Breach)

Collectors see less credit card debt -- Credit card holders are less likely to get calls from a debt collector than in the past, because collectors have less card debt to pursue, industry surveys say ... (See Debt)

Fewer Americans are delinquent on their bank cards -- Consumers' bank card delinquencies, already at historically low levels, dropped further in the first quarter of 2014. The American Bankers Association says it's a sign that more people are using cards as transaction tools instead of debt instruments ... (See Card delinquencies)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

Rates rise for the second straight week: CreditCards.com Weekly Credit Card Rate Report -- July 9, 2014: Interest rates on new card offers rose Wednesday for the second consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, July 9, 2014)

Fed: Card balances extend growth -- Balances on credit cards grew again in May, extending April's record-setting surge, the Federal Reserve said ... (See Consumer credit report, July 8, 2014)

Rates rise to 15.02 percent: CreditCards.com Weekly Credit Card Rate Report -- July 1, 2014: Interest rates on new card offers rose this week for the first time in two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, July 2, 2014)

Compare medical credit cards, loans -- Fewer health-care financing options populate the market since the recession. Compare the terms and conditions of the top medical credit cards and loans before you apply ... (See Compare medical credit cards)

Debt reduction consumes millennials' budgets -- Almost 60 percent of millennials' income goes to paying off various types of debt, a study conducted for Wells Fargo shows. ... (See Millennials' budgets)

Should I close card accounts to get a mortgage? -- While mortgage lenders want to minimize their risk, they usually just want credit card accounts paid off, not closed down ... (See Card accounts and mortgages)

Do predictive scores violate your privacy? -- Marketers are combining vast stores of data into predictive scores that help them decide what offers you see -- to the concern of privacy advocates ... (See Predictive scores)

Rates remain stuck at 15.01 percent for 8th week -- June 25, 2014: Interest rates on new card offers remained locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, June 25, 2014)

Biggest financial worries differ for millennials, boomers -- Almost a third of millennials said in a Wells Fargo poll that student loans were their biggest financial worry, while retirement was the biggest concern of baby boomers ... (See Boomers, millennials money worries)

New high-end cards boost average cost of annual fee cards -- A surge of pricey new high-fee credit cards on the market boosted the average annual fee to $163, nearly double a year ago ... (See Annual fee cards)

Card rates remain locked at 15.01 percent for 7th week -- June 18, 2014: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, June 18, 2014)

Capital One's rewards chief: Expect a busy travel season -- In a Q&A, Capital One's rewards vice president Amy Lenander discloses it will be a busy summer season, and what the future holds for rewards ... (See Summer rewards)

Poll: As card fraud rises, so do false alarms -- As data breaches soar, so do credit card fraud false alarms that block or flag legitimate credit card transactions, says a new CreditCards.com poll ... (See Fraud false alarm)

Rates remain at 15.01 percent for 6th week: CreditCards.com Weekly Credit Card Rate Report -- June 11, 2014: Interest rates on new card offers held firm this week, stalling at 15.01 percent for the sixth straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See APR on new card offers: 15.01% again)

Married women find financial responsibility attractive -- Married women consider financial responsibility sexier than men do, an Experian poll finds. ... (See Marriage and credit)

Are schools putting students’ personal data at risk? -- It's become the norm for school districts to turn over sensitive student data to outside "cloud computing" companies, a practice that has ignited concerns about student privacy ... (See Student data)

Protect your child's data, privacy at school: 5 tips -- As cloud-based technology moves into schools, it puts more data about your children onto remote servers. Here's what to know and do to safeguard that information ... (See Children's data: 5 tips)

Invaders of personal space cause biggest travel headache -- Invasion of personal space tops the list of headache-causing habits of travelers, according to a Capital One survey of 1,000 rewards cardsholders ... (See Annoying travelers)

Card debt rises sharply in April -- Balances on credit cards soared at a 12.3 percent annual rate in April, extending March's modest gains despite consumers' continued reluctance to open their wallets, according to the Federal Reserve's monthly consumer credit report ... (See Consumer credit report: Card balances rise)

Poll: Millennials know less than others about credit scores -- The 35-and-younger crowd knows less about credit scores than other American adults, a survey from the Consumer Federation of America and VantageScore Solutions shows ... (See Millennials and credit scores)

Rankings for frequent flier programs: 2 surveys, similar results -- Ratings are beginning to take into consideration one of the most important factors to many fliers: reward seat availability. As airline program models shift, so will availability ... (See Frequent flier program rankings)

Rates remain stuck at 15.01 percent for 5th week: CreditCards.com Weekly Credit Card Rate Report -- June 4, 2014: Interest rates on new card offers remained at 15.01 percent Wednesday for the fifth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

Card rates stuck while others drop -- Failure to shop around may be contributing to high credit card interest rates ... (See Card rates stuck)

Rates hold steady at 15.01 percent for fourth week: CreditCards.com Weekly Credit Card Rate Report -- May 29, 2014: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

FTC calls for data broker regulation -- Depending on your income, habits, health and ethnicity, data brokers may label you an Urban Scramble, Rural Everlasting, Truckin' & Stylin', Bible Lifestyle or Plus-Size Apparel ... (See FTC study)

4 ways crooks cash in on your personal and financial data -- You've heard about data thieves, but have you wondered what they do with it once it's stolen? Here's how crooks convert your info to their cash ... (See Cashing in data)

Rates remain stuck at 15.01 percent: CreditCards.com Weekly Credit Card Rate Report -- May 21, 2014: Average rates on new credit card offers didn't budge for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, May 21, 2014: APRs stalled at 15.01%)

CFPB: Credit scores for medical debt are unfair -- Study by consumer watchdog agency finds that medical debt collection weighs too heavily on people's credit scores ... (See Medical debt and credit scores)

Survey: Lack of education goes with credit card debt -- Households without credit card debt tend to be more educated than those with credit card debt, according to a study by public policy organization Demos ... (See Education and card debt)

Kit Yarrow Q & A: Decoding the hidden cues that make you buy -- Retailers use many cues to lure consumers into buying items. In her book, 'Decoding the New Consumer Mind,' psychologist and consumer researcher Kit Yarrow reveals how to find these budget bombs ... (See Decoding)

Rates remain at 15.01 percent: CreditCards.com Weekly Credit Card Rate Report -- May 14, 2014: Average rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate survey May 14, 2014)

Banks expect credit to ease near pre-recession levels -- A Fed survey of senior loan officers finds bankers expect a hefty increase in credit card growth, the first big jump since the Great Recession ... (See Card lending easing)

Rate survey: Credit card interest rates rise to 15.01 percent -- May 7, 2014: Average rates on new credit card offers inched higher this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (more)

Americans rely less on credit cards, says Gallup survey -- Almost a third of Americans don't have a credit card, the most since Gallup began conducting surveys on the issue in 2001 ... (See Rely less on credit cards)

Rate survey: Credit card APRs linger at 15 percent -- April 30, 2014: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 30, 2014, rate report)

Applying for a credit card? Your odds for approval -- Thinking of applying for a card? The odds of having your application approved depend on the issuer, the card and your credit score ... (See Application approval odds)

Poll: Americans say they'd rather save than spend -- An April 2014 Gallup poll shows that Americans state they would rather save than spend, a desire that has increased for the third year. ... (See Save vs. spend poll )

Rate survey: APRs hold steady at 15 percent -- April 23, 2014: Average rates on new credit card offers were unchanged at 15 percent this week after dipping the previous week ... (See April 23, 2014 rate report)

Bankers predict an increase in credit-line requests -- A poll of risk managers at banks in the United States and Canada shows most believe credit-line increase requests will rise in 2014 ... (See Credit line survey)

Rate survey: Portfolio shift brings down average APR -- April 16, 2014: Average rates on new credit card offers dipped this week because of a change in the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, April 16: APRs slip to 15%)

Rates rise to 15.02 percent: CreditCards.com Weekly Credit Card Rate Report -- April 9, 2014: Average rates on new credit card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 9, 2014: Average APR rises to 15.02%)

Card debt falls in February -- Credit card users cut their balances sharply in February 2014, even as personal income rose, says the Federal Reserve's monthly consumer credit report ... (See Fed consumer credit report)

Debt near the bottom of parents' financial concerns -- America's parents worry more about setting a good financial example for their kids than taking on too much debt, T. Rowe Price's 6th annual 'Parents, Kids and Money' survey shows ... (See Parents, kids and money survey)

Pros and cons of becoming a first-time landlord -- If you're eyeing a property as a potential rental, do the math to see if it will make a profit, but also decide whether you want to do what a landlord does ... (See Landlord)

Survey: Bad financial habits creeping back -- A U.S. poll shows that fewer adults have a budget and more adults are increasing their spending. ... (more)

Rates remain at 15.01 percent for 7th week: CreditCards.com Weekly Credit Card Rate Report -- April 2, 2014: Average rates on new credit card offers remained locked at 15.01 percent Wednesday for the seventh consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

Business card use rises in 2013 -- Small-business owners reported increased card use in 2013, according to a National Small Business Association study ... (See Business card use)

Card interest rates remain locked at 15.01 percent -- March 26, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)

What financial advice do millennials say they need? -- Millennials are confident about their financial knowledge, but they want advice about savings, budgeting and credit cards in particular ... (more)

Credit card interest rates remain at 15.01 percent -- March 19, 2014: Average rates on new credit card offers remained stuck at 15.01 percent Wednesday for the fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

What an interest rate increase will cost cardholders -- Interest rates, at historic lows since 2008, are expected to start rising as soon as spring 2015, and a single 1 percentage point increase will cost U.S. credit card holders an estimated $7.6 billion a year ... (See Rising rates)

Credit card interest rates remain stuck at 15.01 percent -- March 12, 2014: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Card fees, not interest, dominate revenue -- Credit card fees, and not interest, continued to dominate card issuers' revenue in 2013. ... (See Card fees)

Card debt falls in January -- Card balances reversed direction and fell in January, as consumers got hit by harsh weather and expiring jobless benefits ... (more)

Credit card interest rates remain at 15.01 percent -- March 5, 2014: Average rates on new credit card offers remained at 15.01 Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Personal finance tops dreaded talks -- Wells Fargo poll shows that people hate talking about personal finances more than death, politics or religion. ... (See Personal finance)

Credit card interest rates hold steady at 15.01 percent -- Feb. 26, 2014: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

How 'jamming' cleans your credit report -- temporarily -- The scam called jamming throws a wrench into a beleaguered credit report dispute process, making it harder for the big three credit bureaus to keep up with legitimate disputes ... (See Jamming)

Which travel card perk is the most popular? -- A CreditCards.com consumer survey finds free checked bags are the top travel benefit offered by credit cards, beating out rental car insurance, travel insurance, priority boarding and airport lounge access ... (See Perks)

Credit card interest rates tick up to 15.01% -- Feb. 19, 2014: Interest rates on new credit card offers inched up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Feb. 19, 2014 rate report)

Data breaches: Who's to blame? -- With breaches at major retailers allowing infiltration of shoppers' financial data, the question arises: Who's responsible? ... (See Data breaches)

GAO urges changes in college-provided debit cards -- A federal report questions the fairness of a new breed of college-provided debit cards and urges transparency on the deals -- and the fees charged students ... (See College debit cards)

Households are borrowing money again -- A new federal report shows U.S. consumers are steadily building debt once again, with the end of 2013 seeing the first annual increase in debt since the Great Recession ... (See Consumer debt increases)

Surprise! Many credit card agreements allow repossession -- An analysis of the federal database of credit cards finds dozens include a 'security interest' clause that leaves the door open to the repo man ... (See Repossession)

Credit card interest rates hold steady at 15 percent -- Feb. 12, 2014: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Fed: Card balances leap in December -- Credit card balances rose even more than usual for the holiday season, posting a third month of growth ... (See Fed: Card balances rise a 3rd month)

Credit card interest rates remain at 15 percent -- Feb. 5, 2014: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

In-person smartphone payments? No thanks, most say -- Most of us say "meh" to the idea of paying by smartphone, though young people, particularly men, show more interest in mobile payments ... (See Payments by smartphone poll)

Fed: banks keep tight grip on card loans -- Senior loan officers survey says demand for credit cards is greater than supply ... (more)

ID theft disconnect: We fear it but still engage in risky behavior -- A survey conducted by Experian's ProtectMyID found that consumers are increasingly worried about the threat of identity theft, but are not doing much to protect themselves ... (See ID theft: Fear vs. actions)

Infographic:Rewards program use declines across all ages -- Study by Mercator Advisory Group finds consumers less interested in reward programs, more interested in tailored credit card advantages ... (See Rewards program use declines)

Mid-Atlantic complains most about credit card problems -- Washington, D.C., and neighboring states file the most complaints per capita about credit cards with the federal consumer financial regulator ... (See Complaints)

Credit card interest rates fall to 15 percent -- Jan. 29, 2014: Average rates on new card offers dropped this week for the first time in nearly six months. ... (See Rates)

CFPB: Credit card complaints decline in 2013 -- Consumers filed fewer complaints about credit cards with the federal consumer watchdog in 2013, but two big card issuers saw an increase in grumbles ... (See Complaints)

Credit card interest rates remain locked at 15.06 percent -- Jan. 22, 2014: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates locked at 15.06 percent)

Infographic: Consumers expect credit to stay tight -- A few hopeful consumers predict credit accessibility will get easier -- but most think it will get tougher or stay the same ... (See Credit accessibility)

Credit card interest rates frozen at 15.06 percent -- Jan. 15, 2014: Average rates on new credit card offers remained stuck at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Weekly Rate Report, Jan. 15, 2014)

Saving money versus paying off debt -- Does it make sense to put money in a savings account while you still are repaying debts ... (See Savings)

Infographic: Credit card delinquencies inch up after three-year slide -- While consumers are paying many of their loans on time, late credit card payments saw an uptick in the third quarter of 2013, according to the American Bankers Association ... (See Delinquencies)

Lessons from abroad on financial education -- The U.S. is not alone in its attempts to address financial literacy in public schools. An international push is on to teach kids the money skills they need to navigate today's increasingly challenging financial landscape ... (See Financial literacy)

Fed: Card balances rise again -- Credit card balances bulged in November for a second month, as consumers' spending increased faster than their paychecks rose, the Federal Reserve said ... (See Card balances rise)

Rate survey: Credit card interest rates begin year at 15.06 percent -- Jan. 8, 2014: Average rates on new card offers remained frozen in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates still at 15.06 percent)

How behavioral economics explains 6 common money mistakes -- Ever look back at financial decisions and ask: Why did I do that? Turns out, science can probably answer the question with behavioral economics ... (See Mistakes)

Infographic: Baby boomers have the most credit pride -- Baby boomers have more credit confidence than younger generations, according to a survey ... (See Credit pride)

Credit card interest rates end year at 15.06 percent -- Dec. 31, 2013: A year of stability in credit card rates ends with APRs at 15.06%, just 0.1% higher than a year ago, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Infographic: What were 2013's biggest budget busters? -- For about one in five Americans, meals at restaurants were the biggest threat to their budgets in 2013, according to a survey ... (See Budget busters)

Top retailers' policies about returning items without receipts -- Our survey of 12 large retailers' policies regarding returning items without a receipt show most allow it -- within certain limits ... (See No-receipt return policies)

Credit card interest rates stuck at 15.06 percent -- Dec. 24, 2013: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

12 credit card predictions for 2014 -- What will issuers do to woo new cardholders next year? Will rewards get juicier or 0 percent interest deals longer? We talked to the experts to find out ... (See 2014 forecast)

Fed payments study: Signature cards more prone to fraud -- Credit cards and signature debit cards are the payment methods most susceptible to fraud, with online transactions at highest risk, the Federal Reserve said ... (See Fraud)

Infographic: Identity theft takes an expensive, emotional toll -- Imagine the populations of Illinois and Oklahoma all falling victim to identity theft, and you'll have an idea of this crime's annual scope ... (See Identity theft)

Rates remain at 15.06% for 5th week: CreditCards.com Weekly Credit Card Rate Report -- Dec. 18, 2013: Average rates on new credit card offers remained stuck at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly Rate Report, Dec. 18, 2013)

CFPB report: On-campus credit card deals fading away -- The lucrative, once-secret bank deals with colleges for on-campus access to students are fading, but on-campus debit card deals are rising to take their places ... (See Campus credit card deals)

CFPB report: Biggest card issuers push consumers into arbitration -- Few consumers use the dispute resolution format favored by banks, says a new report by the federal consumer watchdog ... (See Arbitration report)

Credit card interest rates remain flat at 15.06 percent -- Dec. 11, 2013: Average rates on new credit card offers lingered at 15.06 Wednesday for the fourth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Infographic: 56 percent of parents willing to rack up holiday debt for kids -- Is that first post-holiday credit card statement worth it to see your kids' eyes light up at the spread under the tree? More than half of parents with kids under 18 say it is ... (See Holiday debt)

Fed: Credit card balances shot up October -- Consumers "tuned out the drama in DC" and went shopping in October, boosting credit card balances at an annualized rate of 6 percent, the Federal Reserve reported ... (See G.19 consumer credit report, October 2013)

The high cost of credit card cash advances -- Using your credit card to draw cash at an ATM or writing one of those handy checks that comes in your monthly statement can cost you plenty, an exclusive CreditCards.com survey shows ... (See Cash advances)

A quick guide to credit card cash advances: No! Don't! -- In an emergency, when you have no other options, then maybe – maybe – taking a cash advance from your credit card makes sense. Otherwise, no. And by that, we mean, NO! ... (See Cash advance guide)

Regretting your recent cash advance? You're not alone -- More than half of those who have taken a cash advance on a credit card say they have regretted that decision, according to a new CreditCards.com poll ... (See Cash advance poll)

Credit card interest rates hold steady at 15.06 percent -- Dec. 4, 2013: Average rates on new credit card offers remained at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Infographic: 10 percent think debt dies with them -- Many consumers aren't aware their unpaid debts could haunt their survivors, according to a survey from Securian Financial Group ... (See Debt after death)

Credit card interest rates remain at 15.06 percent -- Nov. 26, 2013: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Infographic: Millennials have unhealthy credit habits -- Millennials could stand to learn a few credit-management habits from older generations, according to research from Experian ... (See Millennial credit habits)

Credit card interest rates rise to 15.06 percent -- Nov. 20, 2013: Average rates on new credit card offers inched higher this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Lack of savings more worrisome than card debt -- Although credit card debt is more stressful than either health care or living costs, what's most likely to keep you up at night is a lack of savings for the future ... (See Money worries: No savings outstresses debt)

GAO: Information resellers quickly invading personal lives -- Data collectors know and resell your buying preferences, investments, ailments, favorite sports, hobbies and political leanings -- and need to be reined in, the government agency says in a report ... (See Information resellers)

NY Fed: Household debt rise marks a 'turning point' -- Households increased their debt load in the third quarter by the largest amount since early 2008, according to the Federal Reserve Bank of New York ... (See Fed report: Borrowing returns)

Credit card interest rates remain at 15.05 percent -- Nov. 13, 2013: Average rates on new card offers remained at 15.05 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Young people more likely to freely swap plastic -- While older people are more likely to hold tight to their credit and debit cards, younger generations are more liberal about sharing them with others, a survey says ... (See Borrowing credit cards)

Credit card balances extend their slide -- Credit card balances fell for a fourth month in a row in September, according to the Federal Reserve's monthly report on consumer credit ... (See G.19 consumer debt report, September 2013)

Credit card interest rates rise to 15.05 percent -- Nov. 6, 2013: Interest rates on new credit card offers rose to 15.05 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed: banks loosen credit limts -- Banks aren't rushing to grant more credit cards to new applicants, but they are being more generous about expanding credit limits ... (more)

Don't be a victim of home burglaries -- Home robbers prize homes easy to rob and hard to get caught robbing. These steps will prevent them from seeing your house as being on either list ... (See Preventing home burglaries)

New complaint data zings credit bureaus -- Federal complaint data shows that consumers are often dissatisfied -- even when credit bureaus say they have addressed the problem ... (See Credit bureau complaints)

Infographic: Preferred payment methods vary by location -- Buying groceries? You'll pay by debit card. Online? It's credit cards or PayPal. Grabbing a burger? You'll fork over cash, says a study of preferred payment methods ... (See Preferred payment methods)

Credit card interest rates hold steady at 15.03 percent -- Oct. 30, 2013: Interest rates on new card offers lingered at 15.03 percent Wednesday for the fourth straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Card APRs)

Credit card interest rates hold steady at 15.03 percent -- Oct. 23, 2013: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: The cost of Halloween -- Those celebrating Halloween will spend an average of $107 this year. Our infographic shows the traditions and treats that will cost Americans an arm and a leg -- and perhaps various other body parts ... (See Halloween spending)

2013 bankruptcy filings continue decline -- 2013 is on track to be the third straight year of reduced filings since 2010, when the aftermath of the recession pushed personal bankruptcies to about 1.53 million ... (See Bankruptcy)

Infographic: Mobile banking coming up from behind -- For the first time, mobile banking has outstripped more old-fashioned methods of account maintenance, such as telephone and mail ... (See Mobile banking)

Credit card interest rates remain near record highs -- Oct. 16, 2013: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit card interest rates rise to 15.03% -- Oct. 9, 2013: Average rates on new card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Unemployment makes consumers critical of debt -- Those struggling to find work are more likely to look down their noses at your credit card debt, survey says ... (See Debt anxiety)

Card debt fell in August -- Credit card balances were down in August for the third straight month, according to the Federal Reserve ... (more)

Credit card interest rates remain at 15.02 percent -- Oct. 2, 2013: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit CARD Act: Round 2 coming? -- A report from the federal consumer financial regulator says the CARD Act has cut gotcha-type fees, but other problems continue, and need to be addressed ... (See CARD Act report)

Study: CARD Act cut fees $20 billion -- A study of 150 million credit card accounts found that the CARD Act of 2009 cut fees sharply for cardholders, and subprime borrowers saw the most savings ... (See CARD Act study)

Infographic: Good credit? Issuers want you -- If you have good credit, hold out for the best deal on a new credit card, because there's a lot of competition for your business ... (See Good credit)

Report: We've learned our lesson about using credit cards -- We've learned a lesson from the recession, says a report from a bankers' trade group, with cardholders paying lower interest, carrying lower balances ... (See Lesson learned)

Infographic: Recession survivors are tackling debt -- While those shaken by the recession are still stalling on paying down debt, those who weathered the storm are quickly recovering ... (See Recession survivors)

Credit card interest rates rise to 15.02% -- Sept. 25, 2013: Average rates on new credit card offers lifted this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, Sept. 25, 2013)

Subprime borrowers have easier time getting car loans -- Unlike with credit cards, auto loans are becoming more available for borrowers with blemished credit ... (See Auto loans)

Credit card interest rates remain stuck at 14.99 percent -- Sept. 18, 2013: Average rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, Sept. 18, 2013)

Infographic: Women seek good credit, financial stability in long-term partners -- When it comes to a long-term partner's finances and credit scores, women may be more choosey than men ... (See Credit scores and romance)

Fed maintains support for low interest rates -- The Fed left short-term rates that govern credit card APRs unchanged at near-zero levels. It also voted to maintain current support for low long-term rates such as mortgages, defying analysts' expectations ... (See FOMC)

Credit card interest rates remain at 14.99 percent -- Sept. 11, 2013: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Cardlessness among young people up nearly 80 percent -- All age groups are increasingly shedding credit cards, according to June 2013 data from FICO. Yet no age group is ditching them faster than young people ... (See Young people going credit-cardless)

Fed: Card balances fell in July -- Credit card balances fell in July, a time of sluggish consumer spending and languid job growth, the Federal Reserve reported. ... (See G.19)

Rate survey: Credit card interest rates rise to 14.99 percent -- Sept. 4, 2013: Average rates on new credit card offers rose this week for the first time in more than two months, to 14.99% ... (See Rates)

Infographic: Allowances for kids? So old-fashioned -- Allowances may die out as millennials become parents, according to an August 2013 survey from financial services firm Country Financial. ... (See Allowance)

Rates remain flat for 3rd straight week -- Aug. 28, 2013: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Interest Rate Report, Aug. 28)

Survey: Card satisfaction hits 7-year high -- Though impenetrable financial terms and opaque rewards programs still plague cardholders, we are increasingly satisfied with our plastic ... (See J.D. Power)

Credit card interest rates hold steady at 14.95% -- Aug. 21, 2013: Average rates on new credit card offers held steady at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Infographic: Gen Y embraces mobile bill pay, boomers like mail -- When it comes to paying bills, consumers -- especially young ones -- are embracing mobile, according to an August 2013 survey from Western Union. Yet more "old-fashioned" methods of payment still remain popular among all age groups ... (See Bill payment by generations)

NY Fed: debt squeeze eases on households -- While borrowing on cards increased, credit limits grew faster in the second quarter, leaving cardholders with more available spending power ... (See Debt and credit report)

Credit card interest rates remain at 14.95 percent -- Aug. 14, 2013: Average rates on new credit card offers remained at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Infographic: Consumers cutting back -- but also spending more -- Consumers are pinching pennies when it comes to small purchases, while opening their wallets for bigger ones, according to July 2013 research from Harris Interactive ... (See Saving while spending)

How to get your adult children to leave the nest -- Instead of feathering their own financial nests, many parents who are retired or approaching retirement are going into debt and raiding their savings to support their young adult children -- all in the name of love ... (See Adult children)

Fed: Card balances fell in June -- Credit card balances were down in June, pulling back from a strong upward surge the month before, despite an increase in consumer spending ... (See G.19)

Credit card interest rates dip to 14.95% -- Aug. 6, 2013: Average rates on new credit card offers fell to 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report Aug. 7, 2013)

Historic newspaper archive reveals earliest mentions of credit cards -- Consumer credit in the U.S. has its roots in the late 19th century, and the earliest printed mentions of credit shows we confronted today's challenges then ... (See Credit in U.S. history)

Fed: banks ease up on credit limits -- Banks remain wary about issuing new cards but are easing their grip on credit limits, the Federal Reserve's survey of bank loan officers reported ... (See Credit limits eased)

Infographic: Early shoppers push up back-to-school season -- Families are getting an increasingly early start on back-to-school shopping, according to a survey from the National Retail Federation ... (See Back to school)

Should I tap into my 401(k) to buy my retirement haven? -- As you near retirement, it can be tempting to use 401(k) distributions to fund big purchases. There are, however, lots of rules to follow and tax implications that you must be aware of before making a decision. ... (See Tapping 401(k) )

Foster children get help in combating ID theft -- A 2011 federal law says when foster children turn 16, child welfare agencies must help them get annual credit reports and clear up any mistakes. States are now implementing programs to do just that ... (See Foster kids and ID theft)

Fed keeps interest rates low -- As expected, the Federal Open Market Committee voted Wednesday to keep short-term interest rates low ... (See FOMC)

Rates remain locked at 14.96% -- July 31, 2013: Interest rates on new credit card offers remained stuck at 14.96 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates unchanged a 6th week)

Infographic: Men and women rate each other's financial strengths -- A survey from FleishmanHillard and Hearst Magazines asked men and women to rate each other's financial strengths. And the genders didn't always see eye to eye ... (See Rating the genders)

Credit card interest rates remain at 14.96% for fifth week -- July 24, 2013: Interest rates on new credit card offers remained unchanged Wednesday for the fifth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Parents shelling out more on kids' summer fun -- Parents are willing to pay up to keep their children busy this summer, according to July's American Express Spending & Saving Tracker ... (See Summer spending)

Bankruptcies continue to fall -- As the eighth anniversary of a bankruptcy reform law approaches, filings in the first half of 2013 have fallen 14 percent from the same period one year ago ... (See Bankruptcy filings)

Credit reports now show your credit card bill-paying habits -- Credit bureaus add a new section to credit reports showing whether you carry a credit card balance, giving card issuers and others a more detailed portrait of your financial habits ... (See Credit reports)

Managing your fashion-forward teen's clothing allowance -- Keeping up with the latest fashion trends is a high priority for many teens. A clothing allowance is a great way for a parent to teach fiscal responsibility and keep the family's fashion budget under control. ... (See Teen's clothing allowance)

Infographic: Who’s checking your credit score? -- When it comes to which types of companies may check your credit score before approving you for their products or services, many consumers are in the dark. ... (See Credit score)

Rate survey: Credit card interest rates stuck at 14.96% for 4th straight week -- July 17, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates unchanged a 4th week)

Infographic: Those who don't haggle are missing out -- Although fewer than half of shoppers haggle, those who do are rewarded, according to a survey from Consumer Reports ... (See Haggling)

Rate survey: Credit card interest rates don't budge -- July 10, 2013: Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Credit card weekly rate report)

Card delinquencies hit 22-year low -- Credit card delinquencies hit their lowest levels since June 1990 during the first quarter of this year, reflecting a stronger economy and more frugal consumers, the American Bankers Association said. ... (more)

Average credit card debt statistics -- Depending on how the average is measured and who's doing the measuring, Americans are either doing pretty well when it comes to managing our credit cards, or horribly ... (See Average card debt)

Fed: Credit card balances spike in May -- Balances on credit cards were up in May, the Fed reported, as jobs and home values showed strength ... (more)

Rate survey: Credit card interest rates remain at 14.96% -- July 5, 2013: Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Average American expects to be debt free by age 53 -- Americans are optimistic about achieving a clean slate before retirement, but 1 in 10 expects to never be independent of debt ... (See Debt-free)

Infographic: Millennials swap credit cards for student loans -- More young consumers are turning their backs on credit cards and piling on student loan debt, according to research from FICO ... (See Millennials ditch credit cards, pile on student loans)

Infographic: How we spend our gift cards -- Gift cards don’t tend to gather much dust in your wallet, according to a June 18 survey from the Retail Gift Card Association. ... (See Gift cards)

Bill to curb employer credit check passes N.Y. Assembly -- Afraid your bad credit may be holding you back from a great job? That may soon not be a concern for job-hunting New Yorkers, as the Credit Privacy in Employment Act passed the New York Assembly on June 24. ... (See Credit checks)

Rate survey: Credit card interest rates remain flat -- June 26, 2013: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Rate survey: Credit card interest rates rise to 14.96 percent -- June 19, 2013: Interest rates on new credit card offers rose this week for the first time in more than a month, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Fed signals that rate hikes remain in distant future -- The Federal Open Market Committee voted to keep interest rates at ultra-low levels amid speculation that stimulus measures are nearing a turning point ... (more)

Credit CARD Act: The next generation -- The federal watchdog agency is reviewing the 2009 law's impact; consumer groups are urging a host of fixes, enhancements ... (See Post-CARD Act)

Infographic: Best, worst states for credit card delinquencies -- In what could be a sign of economic recovery, bank card lending is on the rise, according to numbers from credit bureau Experian ... (See Card delinquencies)

Credit dispute process fix coming soon -- Disputing a credit report error? The bureaus will no longer discard your evidence; it will be scanned in and forwarded to the lender or debt collector ... (See Disputes)

Dealing with $8,000 card debt hidden from husband -- Whether you reveal the hidden debt to your husband is up to you, but you need to change habits to stop it from growing and get a plan to pay it off ... (See Hidden debt)

Rate survey: Credit card interest rates remain flat -- June 12, 2013: Interest rates on new credit card offers remained fixed this week at 14.95%, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Americans pick computers over financial planners -- When it comes to financial planning, Americans are turning to computer programs over living, breathing financial advisers, a Gallup poll has found ... (See Computers reign over financial planners)

Fed: Card balances ticked up in April -- Balances on credit cards rose in April, marking a rebound from March, amid signs of improvement in jobs and housing. ... (more)

Rate survey: Credit card interest rates fall to 14.95 percent -- June 5, 2013: Interest rates on new credit card offers slipped this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (more)

Credit report complaints highlight errors -- One out of five people who complained about their credit reports said they contain information that does not belong to them, according to newly released figures ... (more)

Infographic: New grads wish they'd saved more for college -- The high cost of college has given the class of 2013 some financial perspective, a survey has found ... (See College costs)

People are managing cards better, survey finds -- Americans are getting better at paying off their credit card bills and avoiding interest charges, but about a third are still struggling to pay more than the minimum ... (See Financial survey)

Rate survey: Credit card interest rates remain flat -- May 29, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Rate survey: Credit card interest rates rise to 14.98 percent -- May 22, 2013: Interest rates on new credit card offers shot up this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Doing the math to calculate your retirement savings goal -- While everyone's desired retirement goal is different, you can, with just a bit of math, come up with a rough idea of your savings goal. Here's how ... (See Retirement savings goal)

Rate survey: Credit card interest rates hold at 14.94 percent -- May 15, 2013: Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See May 15, 2013: Card rates hold at 14.94 percent)

Study: Credit card debt causes people to forgo medical care -- A study by a pair of University of Michigan sociologists finds people who are ill and don't seek treatment because of the cost are more likely to have credit card debt than other forms of debt ... (See Medical care and card debt)

Infographic: Young adults most optimistic about finances -- Americans from age 18 to 29 have an optimistic outlook on their financial futures. Things look significantly gloomier to older Americans, however ... (See Financial outlook)

NY Fed: Credit card balances reach new low -- Consumers resumed paying down their card balances in the first quarter of 2013, the New York Fed reported, and delinquencies improved ... (See NY Fed)

Survey: Consumers still don't understand credit scores -- Women have more credit knowledge, says a study released Monday, but few of us really understand what makes us creditworthy ... (See Credit survey)

Infographic: How Robo-signing works in credit card debt -- When creditors mechanically and automatically certify that credit card debt is real without any documentary evidence, it's called robo-signing, and the practice is both widespread and controversial ... (See Robo-signing credit card debt)

Rate survey: Credit card interest rates rise to 14.94 percent -- May 8, 2013: Interest rates on new credit card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rare report)

Fed: Banks modestly lower barriers to credit cards -- Banks are swinging open their vault doors wider for businesses, but consumers are seeing only slightly easier access to loans -- including credit cards ... (See Credit cards)

Credit card balances fall in March -- Consumers used plastic less in March amid gloomy reports from the job front and a deceleration in spending ... (See G.19)

Infographic: The money topics your kids wish you'd talk about -- Most parents say they talk about money regularly with their kids. Their children, however, don't think these conversations are enough ... (See Family finances)

Fed holds line on interest rates -- The Federal Reserve's rate-setting committee voted to continue its low-rate policy in the face of stubborn unemployment ... (more)

Rate survey: Credit card interest rates remain at 14.93 percent -- May 1, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

2013 survey of balance transfer offers -- CreditCards.com's annual balance transfer offer survey finds fees are falling, but a new breed of tempting hybrid cards is on the rise ... (See Balance transfer survey)

Infographic: Financial crisis inspired better money habits -- The financial crisis that started in 2007 may have forced many investors to learn things the hard way, according to research from Fidelity Investments ... (See Recession lessons)

Feds crack down on payday loans, deposit advances -- Banks and storefront lenders will face new rules on small-dollar loans to protect borrowers ... (See Payday loan rules)

Rate survey: Credit card interest rates fall to 14.93 percent -- April 24, 2013: Interest rates on new credit card offers dipped this week for the first time in more than two months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 24, 2103: Rates fall to 14.93%)

Infographic: Most people won't discuss credit card debt -- Credit card debt is the subject people least want to discuss with a stranger, according to a CreditCards.com poll ... (See Credit card debt)

Fed study: Recession really changed our spending habits -- We didn't just have our credit cards taken away during the recession, we gave them up. So says a new New York Fed study, which says the historic drop in debt was at least partly the result of households tightening their belts ... (See Fed study)

FTC fraud survey: 1 in 10 American adults swindled -- Weight-loss scams, prize promotions, membership rip-offs lead the phony pack in the Federal Trade Commission's survey of swindles ... (See FTC fraud survey)

Rate survey: Credit card interest rates remain at 14.95 percent for ninth week -- April 17, 2013: Interest rates on new credit card offers have stalled out, and remained at 14.95 percent for the ninth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 17: Rates at 14.95% for 9th straight week)

Infographic: ATM fees on the rise -- ATM surcharges are on the rise, but consumers are pretty adept at avoiding them, according to an April 2013 report from the U.S. Government Accountability Office. ... (See ATM surcharges)

Poll: Card debt the No. 1 taboo subject -- Credit card debt? Shhhh! It ranks as the No. 1 taboo subject, ahead of sex, politics and religion as a conversational no-no, says a CreditCards.com poll ... (See Taboo)

GAO: ATM surcharges climbing -- The average ATM surcharge at banks and credit unions is up 20 percent since 2007, not counting inflation, a GAO report says ... (See GAO study: ATM surcharges up 20%)

Bankruptcy filings plunge in first quarter of 2013 -- Chapter 7 and Chapter 13 bankruptcy fillings fell the most in states hard hit by the recession, including Nevada and California ... (See 1st quarter bankruptcies)

Credit card interest rates stay at 14.95% for eighth straight week -- April 10, 2013: Interest rates on new credit card offers remained at 14.95 percent once again this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates survey, April 10, 2013)

Infographic: Consumers prefer mobile banking to mobile payments -- Proponents of mobile payment technology tout the convenience of leaving your wallet at home. Yet, while consumers are eager to bank by phone, they're not sold on buying by phone ... (See Mobile payments)

Infographic: More taxpayers reaching for credit cards -- Most Americans will use checking or savings accounts to pay their taxes this year. But more are reaching for credit cards ... (See Paying taxes)

Fed: Card balances rise in February -- Credit card balances rose in February as consumer spending increased, despite the specter of pending budget cuts ... (more)

Frugal freezer tips for proper meat storage -- Buying meat in bulk and freezing it can save you hundreds of dollars in food costs, but beware the dreaded freezer burn. Here's how to avoid ite ... (See Freezing meat)

Rates remain at 14.95 percent for seventh straight week: CreditCards.com Weekly Credit Card Rate Report -- April 3, 2013: Interest rates on new credit card offers lingered at 14.95 percent for the seventh straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Lack of savings consumers' biggest financial worry -- To kick off Financial Literacy Month, the National Foundation for Credit Counseling asked consumers which money matters worry them most ... (See Money worries)

Infographic: Young adults ditch homeownership, rack up student loans -- While young people's post-recession lifestyles include fewer homes, fewer cars and less credit card debt, their student loan debt has skyrocketed ... (See Young adult debt)

11 hidden credit card perks -- The phrase "credit card fine print" is usually associated with unpleasant, expensive gotchas, but these hidden surprises bring good news to your wallet ... (See 11 credit card perks)

Rates remain stuck at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- March 27, 2013: Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Expiration dates fuzzy on old card debt -- Card issuers' rules and conflicting legal rulings laws make it tough to tell when a consumer's debt ages past the statute of limitations ... (See Uncollectible debt)

How to tell when card debt legally expires -- The statute of limitations in your state is a starting point to tell if a debt is too old to be dragged in front of a judge ... (more)

Infographic: Debt clouds retirement optimism -- Large amounts of debt has workers feeling pessimistic about their ability to retire in financial security ... (See Retirement)

Health-care financing comparison chart -- Fewer health-care financing options populate the market since the recession. Compare the terms and conditions of the top medical credit cards and loans before you apply ... (See Medical credit card chart)

Rate survey: Card interest rates hold steady at 14.95% for 5th week -- Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: How men, women divide money-related chores -- A 2013 TD Ameritrade survey finds that when couples tackle the household finances, women tend to do the day-to-day chores, men the long-terms plans ... (See Couples and money)

Survey: Credit card interest rates stay at 14.95 percent -- Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

6 questions to ask about your company credit card -- Charging your plane ticket and hotel on a company card has big shot appeal, but know that it's a perk with responsibilities and maybe personal credit risk ... (See Corporate cards)

Fed: Card balances rise in January -- Credit card balances rose in January, as a fiscal cliff cut in take-home pay and higher prices at gasoline pumps caused consumers to lean more on their plastic ... (more)

Survey: Card rates remain at 14.95 percent for 3rd straight week -- Interest rates on new credit card offers remained at 14.95 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: ID theft tops FTC complaints list -- Identity thieves are shifting strategies, as evidenced by a surge in tax refund fraud, according to the Federal Trade Commission ... (See Identity theft)

Credit card complaints zing companies -- Newly published complaint data give a look at card issuers' relationships with customers -- and which companies are likely to pay back a customer with a gripe ... (See Most complaints)

Rates hold at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained static Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Tax refund theft surges in FTC's list of consumer complaints -- A surge in tax refund ripoffs solidified identity theft as the top consumer complaint in the Federal Trade Commission's annual list ... (See Tax refund theft)

Infographic: Issuers stingier with credit post-CARD Act -- Since the CARD Act went into effect in early 2010, you need a higher credit score to get more measly credit limits, according to the American Bankers Association ... (See Credit after CARD Act)

2012 credit card complaints reveal trouble hot spots -- Complaints sent to new federal database paint a nationwide mosaic of misery, and the complainingest people tend to have comfortably high incomes ... (See Card complaints)

Rate fall to 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell Wednesday for the first time in nearly a month, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Credit report errors hit less-educated the hardest -- Are those with less education more likely to be victimized by credit report errors? That's what a report issued by the Federal Trade Commission suggests ... (See Credit report errors)

Pluses, minuses of renting out a spare bedroom to a tenant -- Turning an empty room into extra cash seems easy, but think through whether you're willing to put up with loss of privacy and other inconveniences ... (See Renting out a spare room)

Rates hold steady at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained at 14.96 percent, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

FTC report: 1 in 5 Americans has a mistake in credit report -- If applied to the 200 million Americans with credit reports, the Federal Trade Commission's findings would mean 40 million have a credit report mistake ... (See Credit report mistakes)

Infographic: In tough job market, student debt grows -- Recent grads are caving under the weight of their student loans, a TransUnion study has found ... (See Student loans)

Credit card balances slide in December -- Consumers' credit card balances fell in December 2012, as concerns about the fiscal cliff overshadowed holiday cheer ... (See Consumer credit card balances)

Rates tick up to 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers inched up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed: Banks remain reluctant to ease terms on new cards -- Banks have made it somewhat easier for consumers to get a new card or qualify for a credit limit increase. However, the pace of change remains glacially slow ... (See Fed: Banks reluctant to ease credit card terms)

Infographic: Women more likely than men to break up over money -- Poor money management skills and heavy debt are a turn-off, especially for women, a CreditCards.com survey has found ... (See Love and money)

Rates remain at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers held steady at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Heavy debt a major turnoff, especially for women, CreditCards.com survey finds -- Attitudes regarding debt loom large over any relationship, and that's especially true for women, who find heavy debt a huge turnoff, says a CreditCards.com survey ... (See Debt's a turnoff)

Infographic: Will credit card surcharges take hold in the U.S.? -- Australia's experience with credit card surcharges may hold some clues for what's in store for U.S. merchants and customers ... (See Surcharges)

Rates dip slightly after 10-week status quo: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell slightly Wednesday after remaining unchanged for 10 straight weeks, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Buying by mobile phone hits critical mass -- Mobile payments made some headway toward the mainstream in 2012, according to research from IDC Financial Insights ... (See Mobile payments)

Rates don't budge for 10th straight week: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained unchanged for the 10th consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Bankers predict thirst for credit in 2013 -- Consumers are going to be eating up more of their credit and asking lenders for more, according to a December 2012 survey ... (See Credit outlook)

Bankruptcies fell 14% in 2012, continuing 2-year decline -- Bankruptcy filings for 2012 year show a 14 percent fall, following a 12 percent decline the prior year, as America continues its shaky economic recovery ... (See Bankruptcies fall)

Rates hold steady for 9th straight week: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained locked at 14.96 percent for the ninth consecutive week, according to the Credit Cards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumer credit card balances pick up for the second month -- Consumer credit card balances rose in November for the second consecutive month, according to the Federal Reserve's latest G.19 consumer credit report ... (See G.19)

Infographic: Groceries top list of most popular rewards programs -- When it comes to credit card rewards most desired by consumers, grocery rewards eat everyone else's lunch, according to research from American Express ... (See Grocery rewards programs)

Infographic: Credit card delinquencies on the decline -- Delinquent payments on credit cards hit an 18-year low in the third quarter of 2012, according to numbers from the American Bankers Association ... (See Delinquencies)

Rates begin 2013 at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers began the new year at a standstill, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

What's in the (credit)cards for you in 2013? -- Smartphone magic that lets you breeze through checkout lines? Higher barriers against rapacious card rip-offs? We ask analysts what's ahead in 2013 ... (See 2013 predictions)

Infographic: 12 days of trauma injuries have devastating cost -- Holiday-related injuries fill emergency rooms -- and can be financially devastating for families who are often already spread thing this time of year ... (See Trauma injury costs)

Consumer bureau begins new look at credit card rules -- The Consumer Financial Protection Bureau launched a call for comments as part of a study on the Credit CARD Act of 2009 ... (See CARD Act review)

CreditCards.com Weekly Card Rates Report: Rates hold steady while consumer debt burden drops -- Interest rates on credit card offers held steady at 14.96 percent for a seventh week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Infographic: Gift cards seen as more valuable than higher-priced gifts -- Consumers place high value on the flexibility gift cards bring, according to a December 2012 survey by payment processing company First Data ... (See Gift cards)

Rates remain stuck at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates remained locked at 14.96 percent for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Prototype credit card, up for auction, drawing interest -- A crudely constructed but historic credit card with the first magnetic stripe expected to fetch more than $10,000 at auction ... (See Historic credit card)

Consumer watchdog report details credit bureaus' work -- Every wonder what the credit reporting agencies actually do with your credit information before selling it to lenders? You're in luck. The CFPB has issued the first ever comprehensive public report on the big three credit bureaus ... (See CFPB report on credit bureaus)

Rates remain at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Dec. 12, 2012: Interest rates on new credit card offers remained at 14.96 percent for the fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

11 smartphone tips to ease holiday shopping stress -- Ease your holiday shopping experience by employing these handy dandy apps and tips that can save you time and money while preventing headaches ... (See 11 smartphone tips, apps)

Consumer credit card balances ratchet up in October -- Consumer credit card balances picked up in October after falling the previous month, according to the Federal Reserve's latest G.19 consumer credit report ... (See G.19)

Infographic: Money-related resolutions hit record high -- Saving more, shedding debt are at the top of consumers' New Year's resolution lists ... (See New Year's resolutions)

Advatages, drawbacks to owning a duplex, renting out the other half -- Renting out half a building while living in the rest can be a path to greater wealth, or to grayer hair, depending on the property and your landlording temperament ... (See Duplex ownership)

Rates stay put at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Dec. 5, 2012: Interest rates on new credit card offers remained at 14.96 percent for the fourth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Antidepressant use can spur spending sprees -- An unexpected and financially devastating side effect of antidepressants: irrational shopping sprees, gambling jaunts and reckless investments ... (See Antidepressants and spending)

Cutting a bare-bones budget even further -- If you need to punch another hole in your belt, look again at expenses. If it doesn't feed you, heal you, house you or boost income, cut it ... (See Painful budget cuts)

Infographic: Holiday shoppers use rewards to travel, offset expenses -- The holidays can be an opportunity to rack up credit card rewards points, miles and cash back. So how will cardholders put their rewards to work after the holidays this year? ... (See Rewards)

Consumers boost credit card spending, N.Y. Fed report says -- Consumers are more open to using their cards than they have been in the past. But they're relying on the cards they've got, rather than applying for new ones, according to new Federal Reserve data ... (See Consumer credit)

Infographic: Bill pay goes mobile -- More consumers are using their mobile phones to pay their bills, a study has found ... (See Mobile bill pay)

Uninsured? How to deal with an unfrugal emergency room bill -- You'll have to wrestle with the hospital bureaucracy, but these steps can help the uninsured prevent a big emergency room bill from leading to permanent financial damage ... (See Medical debt)

7 money tips for stressed-out moms -- With seven of 10 moms feeling overwhelmed by financial burdens, some mother's little financial helpers can come to the rescue in relieving stress ... (See Mom money tips)

Chart: 2012 gift card survey -- A CreditCards.com/Bankrate survey of the top 63 gift cards reveals a changing landscape as issuers and retailers cater to consumer demand ... (See Gift cards 2012)

2012 gift card survey -- Despite their reputation for being thoughtless gifts, gift cards continue to grow in popularity -- with many using them more as budgeting tools ... (See Gift card survey)

Survey: Holiday budgets fall in popularity -- For the fourth year in a row, holiday shoppers are less likely to cut back spending or create a budget, a USAA survey finds ... (See Infographic: Holiday spending makes a comeback)

Consumer credit card balances fall in September -- Consumer credit card balances fell in September after surging the previous month, according to new data from the Federal Reserve ... (See G.19)

Study: Credit cards carry germs such as MRSA -- A study reveals that half of all credit cards sampled tested positive for methicillin-resistant Staphylococcus aureus -- better known as the deadly MRSA infection ... (See Germ-carrying credit cards)

Credit scores related to where you live -- Where you live can make a big difference in how you use -- or misuse -- credit, but it's more complicated than just your address ... (See Geographic credit score impact)

Fed: Credit cards are slightly easier to get, but consumers remain cautious -- If you've got less than stellar credit, you have a better chance at getting a new card with favorable terms. But if you're like many consumers these days, you may not want one ... (See Fed report on credit)

Survey: Younger couples keep more credit card secrets -- Younger couples may be less financially honest than older couples, according to September 2012 data from AARP. ... (See Secret debt)

The demographics don't lie: Social Security is slowly going broke -- There are plenty of solutions available, but America's demographics and the law don't lie: Social Security, without changes, will go broke ... (See Social Security)

Intense Facebook use goes with higher credit card debt -- Those who frequently used Facebook to socialize with close friends tend to have higher debt, lower credit scores, says new research ... (See Facebook use = more debt)

Bankruptcy filings continue to slip in third quarter of 2012 -- Filings are down 14 percent in the first nine months of the year, although experts expect them to resume an upward climb soon ... (See Bankruptcy filings Q3)

Q&A with 'The Fine Print' author David Cay Johnston -- The print may be tiny when it dings you for a few cents or tilts the balance of power toward a big company, but the personal and societal consequences aren't ... (See 'Fine Print')

4 ways your credit card can boost happiness -- If your credit card doesn't make you happy, you're not doing it right, says new research. So forget a big-screen TV; go for experiences ... (See Credit cards and happiness)

Thinking about getting a dog for Christmas? Consider all the costs -- Expect to pay $1,580 to pay for a dog's first-year costs, so be sure you can afford one before you get emotionally attached ... (See Pet care costs)

Young adult financial lessons -- When teaching a young adult to make smart financial choices -- start with the basics and move in to the scare tactic. ... (See Young credit)

With federal law vague, online gambling advocates try to find wild cards at state level -- For online gambling advocates, the federal landscape has become cloudy, so they're turning to states, hoping to rack up smaller wins there ... (See Online gambling)

Consumer credit card balances rise -- Consumer credit card balances rose in August after falling two months in a row, according to new data from the Federal Reserve ... (See G.19)

Areas struggling from recession still cautious with credit debt -- According to data from Experian, cardholders' willingness to pull out the plastic is partly determined geography -- specifically, by whether an area has recovered from the recessoin ... (See Credit card debt)

Tips for selling old furniture: Well built pieces from designers sell well -- To make a buck off that old furniture, you have to figure out what you've got. Then haggle! ... (See Tips for selling used furniture)

Tips: How to protect yourself from financial abuse, coerced debt -- Knowledge is power if you’re a victim of a partner's financial abuse that has led to debt. These tips from experts can help halt or reverse the abuse ... (See Financial abuse)

Infographic: Fewer credit cards among college students -- College students may be getting smarter -- about personal finance, that is; their overall credit card ownership has dropped in the last two years. ... (See Student credit)

Highest credit scores in Wisconsin, study says -- It seems the Midwest stayed strong during the economic downturn, but the credit scores of folks in the South leave something to be desired ... (See Credit scores by area)

Drunken shopping: How drinking can pickle your finances -- Buying under the influence, shopping after chardonnay or drunk shopping. No matter what you call it, shopping after sucking back some spirits can do a number on your budget ... (See Drunken shopping)

Infographic: Mobile banking on the rise for young and old -- A quarterly survey conducted by Citi revealed that consumers who bank using their mobile device is growing, even among older age groups. ... (See Mobile banking rising)

Another 401(k) risk: Employer bankruptcy -- It's rare, but the transfer of 401(k) money from liquidating companies doesn't always go smoothly, leaving ex-employees with new fees, tax woes ... (See 401(k)s at bankrupt companies)

Credit card interest rates hold firm: CreditCards.com Weekly Rate Report -- Sept. 12, 2012 - Interest rates on new credit card offers held steady for the third week in a row, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Infographic: Who uses small-dollar loans? -- Fifteen million Americans used small-dollar credit products in 2011, from outfits such as pawnshops, payday lenders and auto title outfits. Who borrows, why and what do they spend their loans on? ... (See Graphic: Small-dollar loans)

Fed report: Consumer credit card balances fall again -- Consumer credit card balances fell for the second straight month in July, according to new data from the Federal Reserve ... (See G.19)

Credit card interest rates remain stable: CreditCards.com Weekly Rate Report -- Sept. 5, 2012 -- Credit card interest rates held firm for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate survey)

How to handle family, friends' requests for money -- There's nothing wrong with wanting to help a loved one in a financial lurch, but not if it will derail your own finances. ... (See Saying no)

Students and parents cutting down college costs -- Parents and students still agree that higher education is an investment in the future, and they are getting even better about funding college. ... (See College costs)

If you're a spender, the 'pay yourself first' method can force you to save -- If the savings habit doesn't come easy for you, try creating a savings "bill" for yourself -- and make it the one you pay first ... (See Pay yourself first)

Debit card fraud is up -- As debit card use has risen, so has debit card fraud -- key targets are atms, grocery stores and gasoline pumps. ... (See Debit card fraud)

Credit card interest rates remain unchanged: CreditCards.com Weekly Rate Report -- August 29, 2012 -- Credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Consumers slash card debt, N.Y. Fed report says -- Consumers are still furiously paying down their credit card balances, and are paying them on time, according to data released Wednesday by the Federal Reserve Bank of New York ... (See Consumer credit)

Infographic: Top US cities all improving on paying back debt -- New data shows huge decreases in default rates, and a couple of big U.S. city's residents deserve a pat on the back ... (See Declining credit default rates )

After much scrutiny, banks pull back on credit protection plans -- Credit protection plans, lucrative add-ons for credit card companies but panned by critics for their dubious value, are on their way out, a CreditCards.com survey of major card issuers shows ... (See Credit protection plans pulled)

American Express, Discover lead J.D. Power credit card satisfaction survey -- It's been four years since a recession-and-regulation racked card industry smacked down its customers. Now, a survey says, satisfaction is creeping back up ... (See Satisfaction)

Credit card interest rates rise: CreditCards.com Weekly Rate Report -- August 22, 2012 -- Credit card interest rates ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Supreme Court case could chill debt collection lawsuits -- In a case before the Supreme Court, consumer agencies argue debtors shouldn't have to pay costs of suing debt collectors ... (See Supreme Court debt collection case)

American shoppers emphatically say 'no' to credit card surcharges -- Nearly two in three Americans say they would stop using their credit cards if retailers start tacking on extra fees for paying with plastic, according to a new CreditCards.com poll ... (See Credit card surcharges)

Credit card interest rates remain flat: CreditCards.com Weekly Rate Report -- August 15, 2012 -- Credit card interest rates held steady for the third straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Financial planning important for all income brackets -- The results of a survey indicate that financial planning is beneficial to everyone -- not just the rich ... (See Financial planning)

Survey: Where credit cards are most accepted in the world -- A MasterCard study reveals where business credit cards are most likely -- and least likely -- to be accepted internationally. ... (See Worldwide card acceptance)

Fed report: Reversing course again, consumer credit card balances fall in June -- Consumer credit card balances tumbled in June, after shooting up the previous month, according to new data from the Federal Reserve ... (See G.19)

Americans slightly hungrier for credit cards, banks dole them out cautiously -- A slightly larger number of U.S. consumers applied for credit this summer, but banks aren't making it much easier for them to borrow ... (See Fed report on credit)

Credit card interest rates stay put: CreditCards.com Weekly Rate Report -- August 1, 2012 -- Credit card interest rates stood still this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

CreditCards.com survey: Credit card sign-up bonus offers abound, with a hitch -- Card issuers are offering good promotional rates -- and there are still rewards to be had -- but consumers increasingly have to work for them. ... (See Credit card sign-up bonus survey)

How to build a home-based business frugally -- Take these steps to start up a successful home-based business. The first one? Establish the business in a product or service you already know well ... (See Frugal start-up)

Students shedding credit cards as recession, new law sink in -- The nation’s college students finally may be absorbing a lesson that won’t count in class but will improve their life skills: how to responsibly handle credit cards ... (See Students cut cards)

A credit crunch consequence: Bankruptcy filings decreasing -- The tightening of consumer credit during the economic downturn may be paying off: Consumer bankruptcy filings again plunged in the second quarter of 2012 ... (See Bankruptcies fall)

Capital One to refund $150 million to credit card customers -- The bank marketed its "add-on" credit protection, credit monitoring products deceptively, say federal agencies in announcing the consumer refunds and fines ... (See Capital One)

Though bad debts fall, lawsuits over collection practices rise -- Consumers are paying credit card bills on time more often and filing fewer bankruptcies, so why are lawsuits over debt collection soaring? ... (See Collection lawsuits)

Bad credit no longer keeping consumers out of the driver’s seat -- In the market for a new car but worry that your iffy credit score will put the brakes on getting a good deal? Take heart, a new report shows that you might be able to snag those keys after all. ... (See Bad credit car loans)

A minute detail: The time of day your credit card bill is due can vary -- Legal changes prevented issuers from playing games with credit card due dates. But the time of day can vary -- and minutes matter to those with online, just-in-time payment habits ... (See Credit card bills)

Fed report: Consumer credit card debt reverses course, rockets up in May -- Consumer credit card balances rose in May after tumbling the previous month, according to new data from the Federal Reserve ... (See G.19)

Consumer confidence erodes, Discover survey says -- After surging earlier this year, consumer confidence is waning again, according to a July 2012 Discover Spending Monitor survey ... (See Consumer confidence)

Credit card interest rates fall: CreditCards.com Weekly Rate Report -- Credit card interest rates dipped this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Business owners turn to bank loans, not business cards, for financing -- Small-business owners seeking funding now see bank loans as their first option, not business credit cards. ... (See Small business financing)

End of recession encourages consumers to start spending smarter -- The road to recovery from the recession is one of change, and the United States is seeing just that in the form of consumers' payment choices ... (See Consumer spending)

Credit card issuers vary wildly on how they verify income, cardholders' ability to pay -- Some banks ask a lot, some very little in enforcing the Fed's 2011 rule requiring card applicants show an ability to repay what they borrow, CreditCards.com research shows ... (See Ability to pay)

Infographic: College graduates make little progress in paying off debt -- Students who have graduated from college are slow to pay back on their debt, according to a Rutgers report. ... (See Student debt)

CreditCards.com Weekly Rate Report, June 27, 2012: Credit card interest rates stay put -- Credit card interest rates held steady for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

France credit cards -- Our ongoing series heads to France for a look at credit card use and credit card statistics in the home of great wines and cheeses and the Eiffel Tower ... (See Credit cards around the world)

Infographic: Americans shed credit cards and debt post-recession -- American families are ditching their credit cards -- and their debt -- since the recession, according to a Fed survey. ... (See Credit card debt)

CreditCards.com Weekly Rate Report, June 20, 2012: Credit card interest rates stay flat -- Interest rates on new credit card offers remained flat for the second consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Credit card mail offers hit a 25 month low in April -- Credit card mail offers are plummeting, according to recent data. Will the dive that began in December 2011 continue? ... (See Credit card mailings)

5 traits that go along with a lower credit score -- Paying your bills on time may help you achieve a high credit score, but studies say there are unexpected traits that correlate to your score as well ... (See Credit score traits)

Financial education program for military families launched -- Citi and a leading nonprofit credit counseling and education agency team up with veterans' service organizations to help solve financial issues for military families ... (See Financial education)

CreditCards.com Weekly Rate Report, June 13, 2012: Credit card interest rates don't budge -- Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Credit card numbers still top thieves' wish lists -- When it comes to data breaches, credit card numbers remain the No. 1 stolen item, according to Javelin Strategy & Research's 2012 Identity Fraud Report ... (See Credit card fraud)

Fed survey: Recession shrank card debt, but crushed household wealth -- Card debt dropped after the recession, according a Federal Reserve survey of consumer finances, but net wealth plummeted ... (See Finances)

We're paying off the mortgage - should we get a bigger house? -- With a last mortgage payment made, he wants to get a bigger house, she wants to consider other possibilities ... (See Paid off mortgage. Now what?)

Consumer credit card debt dipped in April -- Consumer credit card balances resumed a downward fall in April after rising sharply the previous month, according to new data from the Federal Reserve ... (more)

CreditCards.com Weekly Rate Report, June 6, 2012: Credit card interest rates down slightly -- Credit card interest rates dipped slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Hurricane money tips -- Money experts also remind people in hurricane-prone zones to take a few minutes to prepare their fiscal assets, too ... (See Disaster preparedness )

Consumers are cooling on credit, N.Y. Fed Report says -- Fewer consumers applied for credit in the first quarter of 2012, according to new data from the Federal Reserve, while many remained shy about piling on debt ... (See Consumer credit)

CreditCards.com Weekly Rate Report, May 30, 2012: Credit card interest rates hold steady -- Credit card interest rates remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumers traveling this summer plan to use rewards, survey says -- Summer is the time to get away for a little while, and according to a survey, consumers are cashing in on those credit card rewards to do so ... (See Vacationers using reward points)

Infographic: After 'I do,' financial skeletons emerge from the closet -- Now you tell me: Nearly half of divorced or separated adults participating in a survey said they found financial skeletons in the closet of their spouse, but not until after marriage. ... (See Secret debt)

Survey: Consumers are getting smarter about credit scores -- Baffled by your credit scores? You're not alone. The majority of consumers still get confused by what actually goes into a credit score, according to a recent survey. However, the number of people who are completely in the dark is on the decline ... (See Credit score survey)

CreditCards.com Weekly Rate Report, May 23, 2012: Credit card interest rates rise for first time in six weeks -- After five straight weeks of no movement, credit card interest rates ticked upward to 14.93 percent, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Winners and losers 3 years after Credit CARD Act -- Three years after President Obama signed the Credit CARD Act of 2009, consumers are better off, there are fewer complaints and huge interest rate hikes haven't come to pass ... (See CARD Act 3rd anniversary)

Gary Foreman: How to price garage sale items -- Pricing garage sale items isn't an exact science. But if you consult pricing guidelines, know your market and group like items together, you'll do well ... (See Pricing garage sale items)

CreditCards.com Weekly Rate Report, May 16, 2012: Credit card interest rates don't budge -- Credit card interest rates remained unchanged for the fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Child identity theft rising quickly, report says -- According to an identity protection company based in Austin, child identity theft is on the rise and moving fast. Very fast. ... (See Identity theft)

Gary Foreman: Paying down debt vs. saving - how to decide -- To get the most out of any extra money, compare how much you could pull in by saving it against how much interest you're paying out on your loans ... (See Pay debt or save?)

Infographic: Post-recession shifts in credit scores -- Americans' post-recession credit scores have shifted, says FICO, with fewer people clustered at the ends of the scale and more people in the middle ... (See Credit scores)

CreditCards.com Weekly Rate Report, May 9, 2012: Credit card interest rates stay put -- Interest rates on new credit card offers stayed put for the fourth straight week, according to the CreditCards.com Weekly Credit Rate Report ... (See Rate report)

Consumer credit card balances shoot up -- Consumers' card balances surged in March, breaking a two-month streak of declines and helping boost overall consumer credit card balances by 10.2 percent -- the single biggest increase in more than a decade ... (See Consumer credit)

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. ... (See Payment survey)

Infographic: Forgiveness ratings rank credit card companies at bottom of pack -- American consumers find credit card issuers to be the least forgivable industry, according to an April 2012 survey ... (See Forgiven debt)

CreditCards.com Weekly Rate Report, May 2, 2012: Credit card interest rates remain unchanged for the third straight week -- Interest rates on new credit card offers held steady for the third straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: College graduates afraid of not finding job -- Respondents to an online survey say that of their worries after college, they are most afraid of not finding a job ... (See Student money woes)

Infographic: Brazil top nation for financial literacy, Visa survey finds -- In an April 2012 international survey of 25,000 people, Visa ranks countries in order of financial literacy. Brazil topped the list, and the U.S. finished just out of the medal round ... (See Financial literacy)

Americans want more credit, banks slowly ease credit restrictions -- The Fed's quarterly survey of senior loan officers finds bankers slightly easing credit standards for credit cards and other loans. More Americans are searching for credit, too ... (See Fed survey)

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 ... (See Credit card transactions)

CreditCards.com poll: About 6 million in US hid bank accounts from spouse, partner -- Call it financial infidelity: A CreditCards.com poll found that about 7 percent of people are hiding a credit card, checking or savings account from their partners ... (See Financial infidelity)

Study: Despite new law, credit cards finding their way to students -- A 2009 law aimed at curtailing access of students under 21 to credit cards hasn't worked, a study says, as card issuers found ways around the restrictions ... (See Student credit)

Gary Foreman: If your job's uncertain, avoid new debt -- Working in an uncertain industry can mean frequent job losses, so if you get a new job, reassess your prospects, start saving and avoid new debt ... (See Debt and unemployment)

CreditCards.com Weekly Rate Report, April 25, 2012: Credit card interest rates remain unchanged for the second straight week -- Interest rates on new credit card offers held steady for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Federal watchdog gives consumers a chance to speak on arbitration -- The Consumer Financial Protection Bureau is giving consumers and banking industry representatives a chance to speak their minds about the long-disputed matter of arbitration ... (See Credit card arbitration)

Fed says no to raising interest rates -- The Federal Reserve announced Wednesday that it would continue to leave today's record-low interest rates unchanged ... (See Fed interest rates)

Study: Women get stuck with higher credit card interest rates -- Women not only are more likely to carry a balance, but they're less likely to comparison shop for credit cards, says a study ... (See Credit card interest rates)

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)

'Forgiveness ratings' finds credit card issuers unforgivable -- If something goes wrong, Americans are willing to forgive their grocers and auto dealers. Their credit card issuers? Nah. The credit card industry is dead last in a new 'forgiveness' survey ... (See Card issuers unforgivable)

State by state bankruptcy statistics, 2005-2012 -- Bankruptcy filings for the third quarter of 2012 show the number of filers continuing to decline, after a long series of increases that followed the 2005 bankruptcy law reform ... (See State bankruptcy statistics)

Tennessee surpasses Nevada to claim sad crown: State where bankruptcies are most likely -- Bankruptcy filings continued their decline nationally in the first quarter of 2012, nowhere more sharply than the Silver State ... (See Bankruptcy filings)

Financial literacy survey shows consumers lack basic money skills -- A new financial literacy survey reveals a "disturbing" lack of knowledge pertaining to personal finance among U.S. adults. ... (See Financial literacy)

Gary Foreman: How to decide when you can tackle a do-it-yourself project, when to call in a pro -- You've got to know when to hold that wrench, know when to fold up that ladder and call in a pro. A little advance planning will help you from getting in too deep on home repair projects ... (See DIY vs. professional repair)

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 ... (See Mobile payments)

CreditCards.com Weekly Rate Report, April 11, 2012: Credit card interest rates drop -- Credit card interest rates dropped for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Survey: Students fail the credit card test -- According to a multicampus survey of college business students, only a small fraction pay off their credit card debt each month or know their interest rate ... (See Financial literacy fail)

Survey: We'll put refunds into savings, pay off debt, or buy electronics -- A survey says most of us will dutifully save this year's refunds or pay off debts, but another big chunk of us will head to the mall to satisfy our cravings for electronics ... (See Tax refunds)

Consumer credit card balances drop for the second month in a row -- Consumer credit card balances fell for the second straight month in February. However, it's unclear whether consumers are still paying down holiday debt or are cutting back spending with credit ... (See Consumer credit)

Gary Foreman: Traditional vacation vs. mortgage payment -- He wants a traditional, long break from the job. She wants a mortgage that isn't past due. Something's got to give ... (See Vacation or mortgage payment?)

Auto loan payments now outrank mortgage, credit cards -- Mortgage payments used to come first, then housing collapsed. Credit card bills took priority after that, but today, it's car payments that are paid first ... (See Debt payment rankings)

9 tips for protecting your tax return from identity thieves -- Fraudulently filing a tax return to get a refund has become a popular crime. You may not be able to thwart a determined thief, but these tips will tilt the odds in your favor ... (See Tax return tips)

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)

Gary Foreman: How to stop home burglaries, cheaply -- A few common-sense -- and inexpensive -- precautions can make your home unpalatable to thieves and your property harder to pawn ... (See Home burglary prevention)

Student loan debt: the next time bomb? -- Today's college graduates are hitting the job market with more debt and fewer prospects, setting up the prospect of another delinquency disaster ... (See Student loan debt)

Public schools get mixed grades on financial literacy -- Efforts to get schools to teach financial literacy to children are stalling, and there is debate about whether such education even works ... (See Financial education)

Infographic: Americans growing more confident about economy -- After years of economic gloom and doom, nearly one in three Americans now believe that the U.S. economy is on the mend, according to a February 2012 report from Discover ... (See Consumer confidence)

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)

Consumer credit card balances see 1st drop in 5 months -- Consumer credit card balances tumbled in January, ending a four-month streak in which card balances steadily rose. But the modest drop in credit card debt was overwhelmed by a surge in student loan debt ... (See Consumer credit)

CreditCards.com Weekly Rate Report, Mar. 6, 2012: Moves by Chase, Best Buy push credit card interest rates higher -- Credit card interest rates jumped this week for the first time in nearly three months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Chart: Compare and find the best gasoline rewards card for you -- Finding the most-rewarding gasoline credit card can limit the damage of rising gas prices -- and keep you from fuming ... (See Gas rewards credit card)

Gary Foreman: To fix budget problems, try the 'divide and conquer' technique -- If you're overspending but don't know why, break your budget down into thinner slices until you identify the problem area ... (See Budget problems)

CreditCards.com Weekly Rate Report, Feb. 29, 2012: Credit card interest rates hit 8-month low -- The average interest rate on a new credit card offers fell to its lowest level since June of 2011, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumers hungry for new credit cards, N.Y. Fed report says -- Consumers are hungry for new credit and are running up more card debt, according to new data from the Federal Reserve. But they're still paying down other types of debt, such as home and auto loans ... (See Credit card debt)

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)

CreditCards.com Weekly Rate Report, Feb. 22, 2012: Credit card rates' holding pattern continues -- The average interest rate on a new credit card offer remained unchanged at 14.91 percent, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Gary Foreman: Follow the rules carefully to claim your rebate -- Consumer forgetfulness plus difficult forms mean half of all rebates go unclaImed, but if you're diligent, you can be on the 'good' half. ... (See Get your rebate)

CreditCards.com Weekly Rate Report, Feb. 15, 2012: Credit card rates remain in holding pattern -- The average interest rate on a new credit card offer remained unchanged, according to the CreditCards.com Weekly Credit Card Rate Report, as credit card APRs' recent holding pattern continued ... (See Rate report)

Infographic: Mobile payments now widely accepted among retailers -- Mobile payments are now as widely accepted as online payments among the nation's top 10 retailers, according to a survey released in February 2012 by First Annapolis Consulting ... (See Mobile payments)

CreditCards.com Weekly Rate Report, Feb. 8, 2012: Credit card rates hold steady for 2nd week -- The average interest rate on a new credit card offer remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, though issuers are still tweaking APRs ... (See Rate report)

Consumer credit card balances keep rising, Federal Reserve says -- Consumer credit card balances moved higher in December, as more Americans pulled out their cards for the holidays. But experts say that a return to holiday shopping may not be the only reason why consumers saw their balances swell ... (See Consumer credit)

Infographic: Who handles the family budget? Both men, women say they do -- An American Express survey found the sexes largely in agreement that men handle most of the financial duties in the household. However, when it comes to handling the household budget, it appears both sides are taking credit ... (See The sexes and money)

CreditCards.com Weekly Rate Report, Feb. 1, 2012: Credit card rates hit lowest levels in 5 months -- Interest rates on new credit card fell to their lowest levels since August 2011 this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: The high cost of love -- When it comes to love, 2012 is going to be pricey and disappointing for many Americans. In a Valentine's Day-inspired survey, American Express looked at couples' spending habits and even their future plans for their relationships ... (See Cost of love)

Americans want more credit, but banks remain leery, Fed says -- More Americans searched for credit in late 2011, according to the Federal Reserve, but most banks didn't make it any easier on them to get it -- whether they wanted a new card or just a bigger credit limit ... (See Fed report on credit)

Gary Foreman: Can a new mom afford to stay at home? -- A new mom who really wants to stay at home may be closer than she thinks to getting by on one income, if she includes the commuting and child care savings that come with not working ... (See Stay at home mom)

CreditCards.com Weekly Rate Report, Jan. 25, 2012: Credit card APRs unchanged for 2nd straight week -- Interest rates on new credit card offers held steady for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed to leave interest rates unchanged until at least 2014 -- The Federal Reserve announced Wednesday it would leave interest rates at rock bottom for at least another three years. But it also made history, disclosing for the first time ever policymakers' forecasts of what interest rates may be down the line. ... (See Fed interest rates)

Infographic: Bankers predict more credit cards, more delinquencies -- The next six months will likely see more people becoming delinquent with their credit -- and seeking more credit at the same time, according to a January 2012 survey by the Professional Risk Managers' International Association ... (See Bank predictions)

Debt payoff debate: Pay smallest balance 1st? Or highest rate? -- A study says "debt account aversion" drives us to pay off small debts first, even if paying the highest-interest debt is always smarter financially ... (See Debt payoff debate)

CreditCards.com Weekly Rate Report, Jan. 18, 2012: Credit card rates hold steady -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

CreditCards.com survey of 2012 balance transfer cards shows offers getting better -- CreditCards.com's annual survey of balance transfer cards show increasingly longer zero percent periods, but with higher balance transfer fees ... (See Balance transfer cards)

Infographic: 1 in 5 say better money management is top 2012 goal -- Handling money better is always one of the top New Year's resolutions, and 2012 is no different, according to a January 2012 poll from Chase ... (See Money management)

Gary Foreman: 8 questions to ask to make sure of wise buying decisions -- Ask these eight questions before you pull out your wallet and you'll be sure that you're buying the right thing at the right time at the right price ... (See 8 questions before buying)

Survey: Minimum card payments rising -- A survey of the minimum payment requirements of top credit card issuers shows they're raising their minimum dollar-amount payments. That may hurt your wallet today, but it's a better deal down the road ... (See Rising minimums)

CreditCards.com Weekly Rate Report, Jan. 11, 2012: Average APR drops following First Premier move -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, due to a sharp APR drop for the priciest card in our survey. ... (See Rate report)

Consumer debt sees biggest jump in a decade -- Consumer debt saw its biggest growth in a decade in November, according to new data from the Federal Reserve, as consumers headed into the holidays ready to spend ... (See Consumer credit)

Infographic: Medical bill trouble often part of larger money woes, survey says -- Have trouble paying your medical bills? Chances are that other aspects of your finances are suffering, too. That's according to a December 2011 survey from the Center For Studying Health System Change ... (See Medical bill woes)

CreditCards.com Weekly Rate Report, Jan. 4, 2012: Credit card rates steady as 2012 begins -- Interest rates on new credit card offers were unchanged to start the new year, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

CreditCards.com survey: Penalty rates creep higher, but become rarer -- In the wake of the Credit CARD Act's restrictions, many card issuers no longer bother with penalty rates. But CreditCards.com research finds for those that retain them, the rate is even higher ... (See Penalty rates)

CreditCards.com Weekly Rate Report, Dec. 28, 2011: Interest rates drop for the 2nd straight week -- Interest rates on new credit card offers fell for a second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

CreditCards.com Weekly Rate Report, Dec. 21, 2011: Credit card rates dip as holiday shopping nears end -- As the holiday shopping season nears an end, interest rates on new credit card offers fell from their record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

CreditCards.com Weekly Rate Report, Dec. 14, 2011: Credit card interest rates shoot to record high -- Interest rates on new credit card offers surged to a record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Gary Foreman: Bad credit mortgage alternatives -- You must start with the basics -- paying your bills on time -- but there are other alternatives for people with bad credit trying to buy a house ... (See Bad credit and mortgages)

CreditCards.com Weekly Rate Report, Dec. 7, 2011: Credit card interest rates dip for 1st time in a month -- Interest rates on new credit card offers dipped slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumer credit card debt grows in October -- Consumer credit card balances edged higher in October, defying experts' expectations, according to new data from the Federal Reserve. ... (See Consumer credit)

Infographic: ID theft reports jump 33 percent in 5 years -- Identity theft reports jumped by a third (33 percent) in five years, according to a report from the Bureau of Justice Statistics. Most of that growth comes from the misuse or attempted misuse of an existing credit card account. ... (See ID theft)

CreditCards.com Weekly Rate Report, Nov. 30, 2011: Credit card APRs remain in holding pattern -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Business credit card delinquencies keep falling -- Propelled by the recession, the delinquency rate for business credit cards skyrocketed in 2008 and 2009. However, a November 2011 report shows that things have changed ... (See Infographic)

Consumers trimming debt in struggling economy, Fed says -- With economic uncertainty lingering, U.S. consumers are continuing to pay down their debts, according to a report released Monday -- a trend many economists expect to last for years ... (See Consumer debt report)

CreditCards.com Weekly Rate Report, Nov. 23, 2011: Credit card APRs unchanged as holidays near -- Interest rates on new credit card offers remained unchanged this week as banks took their traditional Thanksgiving break from changing rates, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Americans to boost holiday spending, but do so wisely -- A November 2011 report says that Americans plan to ramp up their holiday spending nearly 20 percent from 2010. However, the report from American Express says that consumers also intend to be smarter about their purchases ... (more)

CreditCards.com Weekly Rate Report, Nov. 9, 2011: Credit card interest rates hold steady -- The average interest rate on a new credit card offer stayed static this week, according to the CreditCards.com Weekly Credit Card Rate Report. However, that doesn't mean that all of the nation's largest credit card issuers were sitting on their hands ... (See Rate report)

Q&A with 'Smart Thinking' author Art Markman -- Art Markman, author of the upcoming 'Smart Thinking' and a psychology professor at the University of Texas, explains what psychology can teach us about making better personal financial decisions ... (See Art Markman)

Infographic: Americans ramp up gift giving for 2011 holiday season -- After years of recession-fueled frugality, more Americans are feeling the holiday gift-giving spirit in 2011, according to a survey from USAA ... (See Gift giving 2011)

CreditCards.com Weekly Rate Report, Nov. 9, 2011: Credit card APRs inch up, near record high -- Interest rates on new credit card offers inched up this week for the first time in a month, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed: Consumer credit demand up, even as debt falls -- Consumers may have increased access to credit cards, but they nevertheless continue to cut debt levels, a pair of new Federal Reserve reports show ... (See Consumer credit)

Infographic: Consumers feel card issuers are treating them better, survey says -- After enduring account closures, slashed credit limits, rejected applications and other bad treatment from credit card issuers in the throes of the recession, things got better in 2011, according to a November 2011 survey from Consumer Reports ... (See Credit card issuers)

Gary Foreman: Beyond couponing - How big families can cut their food budgets -- A mother of a family of five who's already couponing wants to know how to trim her food budget further. Gary Foreman gives her an array of tips ... (See Big family food budgeting)

CreditCards.com Weekly Rate Report, Nov. 2, 2011: Credit card interest rates see 2nd drop in 3 weeks -- Interest rates on new credit card offers inched lower for the second time in three weeks, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Downbeat Federal Reserve leaves rates alone -- The Federal Reserve kept interest rates as-is on Wednesday, as the central bank weighed other options for stimulating a weak U.S. economy ... (See Fed rates)

Great American financial failures: From Jefferson to Disney -- It’s easy to scoff at millionaire celebrities who declare bankruptcy, but overextended credit is a time-honored American tradition. Some of our greatest heroes have fallen victim to bad investments and living beyond their means. ... (See Great American financial failures)

Gary Foreman: How (and why) to calculate your net worth -- It's not a display of coin-stacking greed, it's a necessary, periodic step to make certain you're on track with your personal finance goals ... (See Calculating your net worth)

CreditCards.com Weekly Rate Report, Oct. 26, 2011: Credit card interest rates hold steady -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Q&A with Don Peck, author of 'Pinched' -- In a succinct 188 pages, Peck surveys more than 100 years of economic recessions, depressions and recoveries to arrive at something of a bird's-eye view of our current economic discontent. ... (See Don Peck)

CreditCards.com Weekly Rate Report, Oct. 19, 2011: Credit card APRs see 1st drop in 3 months -- Interest rates on new credit card offers fell for the first time since July, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Gary Foreman: Why every student needs a bit of economics -- You may not become an economist, but everyone needs to have basic knowledge of how they spend today impacts their saving for tomorrow ... (See Economics and spending)

CreditCards.com Weekly Rate Report, Oct. 12, 2011: Credit card APRs reach another record high -- Another week, another record for credit card interest rates. APRs on new credit card offers reached 15 percent for the first time in the four-year history of CreditCards.com's Weekly Rate Report ... (See Rate report)

Consumer credit card balances fell in August -- Credit card balances fell in August, new data from the Federal Reserve show, as consumers kept their cards in their wallets for the second straight month ... (See Consumer credit card debt)

CreditCards.com Weekly Rate Report, Oct. 5, 2011: Credit card rates unchanged, remain at record highs -- Interest rates on new credit card offers remained at record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

CreditCards.com Weekly Rate Report, Sept. 28, 2011: Credit card rates reach another record high -- Interest rates on new credit card offers edged up to another record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Study: ID protection tools work, but you'd better comparison shop -- Looking to purchase ID protection services? Rather than go with the products sold by banks and credit bureaus, a recent report suggests consumers may want to choose offerings from less-known, third-party vendors ... (See ID protection)

Infographic: Americans fear running out of retirement money, survey says -- When it comes to retirement, nothing scares Americans like the thought of not having enough money, according to a survey from the Transamerica Center for Retirement Studies ... (See Retirement fears)

Gary Foreman: Moves to make if you expect another economic storm -- Just as you plan ahead for hurricanes, you can weather rough financial times more easily with good preparation ... (See Plan for tough times)

CreditCards.com Weekly Rate Report, Sept. 14, 2011: Credit card rates stay at record highs for 2nd straight week -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, as rates' upward climb paused following several volatile weeks ... (See Rate report)

Federal Reserve leaves rates alone, but with a twist -- The Federal Reserve didn't change interest rates on Wednesday, but it did say, "Come on, baby, let's do the Twist" ... (See Fed rates)

Gary Foreman: Losing a job can be a big downside of 401(k) loans -- Unemployment triggers a swift demand for repayment, and you better have the money or be ready to face financial consequences ... (See 401(k) loans and lost jobs)

CreditCards.com Weekly Rate Report, Sept. 14, 2011: Credit card rates climb to another record high -- Interest rates on new credit card offers climbed to another record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumer credit card balances fall sharply in July -- A two-month surge in credit card spending screeched to a halt in July, as Americans shed more than $3 billion in card debt, according to new data from the Federal Reserve ... (See Consumer credit card debt)

Gary Foreman: If my company goes bankrupt, is my 401(k) retirement fund in danger? -- A company going bankrupt does not directly endanger your 401(k) -- unless you've let too much of your investment pile up in that company's stock ... (See Bankrupt 401(k))

CreditCards.com Weekly Rate Report, Sept. 7, 2011: Credit card rates stay at record highs -- Interest rates on new credit card offers stayed at record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Infographic: Most couples talk money before wedding, survey says -- Nearly nine in 10 couples talk about money before getting married, according to a survey released in July 2011 by the National Endowment for Financial Education ... (See Weddings and money)

Infographic: Millennials shedding credit card debt, survey says -- In the recession's wake, every generation has shed credit card debt -- but the youngest generation has been most aggressive about it, says a new survey from Auriemma Consulting Group ... (See Generations and credit card balances)

Gary Foreman: Where are you financially vulnerable? -- The economic storm clouds still haven't parted, so wise consumers know their potential money weak spots, and have a plan if something breaks down ... (See Financially vulnerable)

CreditCards.com Weekly Rate Report, August 31, 2011: Credit card rates rise to record high -- Interest rates on new credit card offers rose to a new record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Record high rates)

Infographic: Alaska, N. Carolina are top states for credit card debt -- When it comes to credit card debt, no state can touch Alaska. According to a report from TransUnion, the state's average credit card debt per borrower in the second quarter of 2011 was $6,926 ... (See State credit card debt)

CreditCards.com Weekly Rate Report, August 24, 2011: Credit card rates jump to near-record levels -- Interest rates on new credit card offers jumped to a near-record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Infographic: Credit card issuers still paying big bucks to colleges -- The Credit CARD Act of 2009 changed the rules of the game, but credit card companies are still paying colleges and alumni groups big bucks to market to their students ... (See Colleges and credit cards)

Gary Foreman: Bride and groom from different financial worlds? Talk, budget -- If he's from financial Mars and she's from financial Venus, premarital discussions about money expectations will help prevent problems later ... (See Premarital money talk)

J.D. Power survey finds consumers happier with their credit cards -- American Express, Discover once again top the annual survey of consumer satisfaction with their cards ... (See 2011 credit card satisfaction survey)

CreditCards.com Weekly Rate Report, August 17, 2011: Credit card APRs unchanged for 3rd straight week -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumers warily embracing credit cards again, Fed reports show -- Like two old friends trying to rebuild a fractured relationship, banks and credit card users appear to be taking tentative steps toward reconciling, according to a pair of new Federal Reserve reports ... (See Consumers, cards courting again)

Cleveland tops list of cities most improved in on-time credit card payments -- San Antonio, Cincinnati, Houston and Dallas round out the top five cities that have improved most at reducing the number of credit card accounts more than 60 days late ... (See Credit card delinquencies)

CreditCards.com Weekly Rate Report, August 10, 2011: Credit card APRs unchanged in wake of U.S. credit downgrade -- Despite the downgrade of the nation’s credit rating and an announcement from the Federal Reserve, interest rates on new credit card offers stayed the same this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed pledges no interest rate hikes for at least 2 years -- Worried by all those headlines about higher credit card interest rates coming? If your rates do increase, it won't be because of the Fed -- at least for now ... (See Interest rates)

Consumer credit card balances surge in June -- Consumer credit card balances grew by more than $5 billion in June, according to new data from the Federal Reserve, marking the first back-to-back monthly gains in three years ... (See Consumer credit)

How to detect and prevent elderly financial abuse -- Tragically, there are those who take economic advantage of the elderly. Be aware of the warning signs and the profiles of these perpetrators ... (See Elderly financial abuse)

Gary Foreman: You've got to know your 'monthly nut' -- Your 'monthly nut' is the minimum amount you need to make to keep ahead of your bills and avoid always coming up short ... (See Your monthly nut)

CreditCards.com Weekly Rate Report, August 3, 2011: Card APRs unchanged as run of declines stalls -- Credit card interest rates held steady this week, ending a two-week run of declines that brought APRs down from record levels ... (See Rate report)

Infographic: Americans' biggest financial worries -- According to a July 2011 Gallup survey, a lack of money and low wages are the issues causing consumers the most concern, followed by health care costs and too much debt ... (See Infographic)

Gary Foreman: Rich bride, poor groom and mom can't pay country club reception tab -- Mom should be honest with herself and her wealthy in-laws about her financial limits, and their kids should discuss money expectations before the ceremony ... (See Rich bride, poor groom)

CreditCards.com Weekly Rate Report, July 27, 2011: Credit card APRs take 2nd straight dip -- Credit card interest rates dipped for the second straight week, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

Auto repair, credit and debt issues top consumer complaint list -- A survey of government consumer agencies puts auto repair and credit and debt issues at the top of the complaint list, and budget cuts mean the agencies can't keep up with the volume ... (See Consumer complaints)

Infographic: How much do you buy when you shop? -- More than 60 percent of shopping trips in the U.S. are made for small or immediate needs, according to a study from The Nielsen Company ... (See Shopping)

CreditCards.com Weekly Rate Report, July 20, 2011: Business card drop sends credit card APRs off record highs -- Business card interest rates took a dip this week, sending overall credit card APRs down from record highs, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

Infographic: What most consumers know about credit scores -- The average American isn't exactly a credit scoring expert, but there are some basic elements of credit scoring that most Americans do know, according to a survey by the Consumer Federation of America ... (See Credit score)

Report highlights consumer confusion about credit scores -- In a report released Tuesday, the Consumer Financial Protection Bureau protection agency acknowledged that consumers have good reason to feel confused about their credit scores. ... (See Credit report confusion)

Frugality's about value, not about being cheap -- For both practical and personal reasons, on some items, it's OK to go ahead and splurge ... (See Spend it, frugally)

State by state bankruptcy statistics, 2005-2011 -- Bankruptcies reversed course and fell in 2011, but it's not just due to debt aversion. We may just be running out of people who benefit from filing ... (See State bankruptcy statistics)

CreditCards.com Weekly Rate Report, July 13, 2011: Credit card APRs stay at record highs -- Summer vacationers, beware: Credit card interest rates stayed at record heights for a second straight week, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

How your FICO credit score is calculated: Length of credit history -- It may not be the most important factor used to calculate your FICO credit score, but without at least some length of credit history, you won't have a score at all. ... (See FICO score)

Infographic: Women more focused than men on saving, cutting card debt -- When the Javelin Strategy & Research team polled men and women about their top financial goals in 2011, women were more frugal-minded ... (See Men, women and money)

Consumer credit card balances see biggest jump in nearly 3 years -- Consumer credit card balances saw their biggest percentage jump in nearly three years -- going up more than 5 percent -- according to data released Friday by the Federal Reserve. ... (See Consumer credit)

My credit, myself: Young adults using credit to boost self-esteem -- In an uncertain world, recent research shows that for some 20-somethings, it just takes a quick swipe of a credit card to feel like they’ve got everything under control ... (See Credit and self-esteem)

CreditCards.com Weekly Rate Report, July 6, 2011: Credit card APRs hit record high -- Interest rates on new credit card offers soared to record heights this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Building a better envelope budgeting system -- With a few refinements and simplifications, this old cash-based system still works, says our expert ... (See Envelope budgeting)

CreditCards.com Weekly Rate Report, June 29, 2011: Credit card APRs see rare drop -- Credit card interest rates fell this week, according to the CreditCards.com Weekly Credit Card Rate Report -- just the second drop since March ... (See APRs fall)

How FICO scores work: Credit utilization -- If you want to earn a good credit score, you'll need to pay attention to your amounts owed. This credit utilization ratio goes by many names, and it's the second-most important factor used to calculate a borrower's FICO score ... (See Credit utilization )

Infographic: The rise and fall of credit card accounts -- Compared to all other financial products, credit card accounts rose faster before the recession and fell harder during and after it, according to New York Federal Reserve data ... (See Credit card accounts)

Gary Foreman: Alternate strategies to saving for emergency funds -- If you have trouble leaving emergency funds untouched, you may be able to prepay some items, or just make your savings tough to tap ... (See Emergency fund strategies)

Credit card interest rates move higher, near record levels -- Credit card interest rates rose slightly this week, edging closer to record heights. The national average APR on new card offers climbed to 14.84 percent, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

Cardholders, relax: Fed leaves interest rates unchanged -- Credit card holders concerned about a sudden increase in their APRs can breathe easy following the latest Federal Reserve announcement on monetary policy. ... (See Interest rates)

Government ramps up effort to educate parents about kids' ID theft -- A recent study shined a light on the growing problem of child ID theft. Now, the government is stepping up its efforts to educate parents on preventing the crimes and resolving the damage already done ... (See Child ID theft)

Infographic: Debt causes financial distress -- People with debt woes suffer in more ways than one, according to a recent study from the National Foundation for Credit Counseling ... (See Financial stress)

Infographic: Bank card delinquencies keep falling, says report -- A May 2011 report from credit bureau TransUnion shows that the percentage of cardholders who are at least 90 days late with a payment to a bank-issued credit card continues to slide ... (See Delinquencies)

Infographic: Most parents financially support their adult kids -- A May 2011 survey from the National Endowment for Financial Education finds 59 percent of parents are providing, or have provided, financial support to their adult children when they've finished school ... (See Parents supporting kids)

Credit card statistics, infographic: Americans' top 8 financial worries -- Americans are far more worried about their retirement funds (or lack thereof) than about their ability to make credit card payments, according to a poll by Gallup ... (See Money worries)

How your FICO credit score is calculated: Payment history -- In the calculation of your FICO credit score, no factor is more important than your payment history. That history's comprised of many complex components, but ultimately, it comes down to paying your bills on time, every time ... (See Credit score payment history)

Poll: Dad's not always the first parent kids turn to for personal finance advice -- Our money management skills are patterned after mom most often, but dad comes in a close second, according to a CreditCards.com poll ... (See Dads shape money habits)

CreditCards.com Weekly Rate Report, June 15, 2011: Credit card APRs unchanged for 3rd straight week -- Credit card interest rates stayed steady again this week, but that doesn't mean issuers were sitting on their hands ... (See Rate report)

The rise and fall of the credit card magnetic stripe -- More than four decades after its creation, the credit card magnetic stripe has revolutionized the way we make purchases and share personal information. Before it goes the way of the dodo, we look back at its history. ... (See Magnetic stripe)

Kim McGrigg: How to revive your credit score after foreclosure -- A reader who recently suffered a foreclosure wonders how she can raise her FICO score and how long she'll have to wait to get her next mortgage ... (See Credit after foreclosure)

Gary Foreman: Tips for finding fun while staying frugal -- You may have 'frugal fatigue,' but lamenting the good old days when you could spend freely will only make your mood worse ... (See Frugal tips)

CreditCards.com weekly rate report, June 8, 2011: Interest rates unchanged for 2nd straight week -- Interest rates on new credit card offers remained unchanged for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Consumer credit card debt drops slightly in April, Fed data shows -- Consumer credit card balances fell in April, according to new data from the Federal Reserve, as Americans remained hesitant to carry excess debt ... (See Consumer credit)

Gary Foreman: Tips for getting grown children out of the nest -- Yes, jobs are tough to find, but kids need to stand on their own financially and leave the nest. It's a parent's job to know how to help them learn to fly ... (See Financial independence)

CreditCards.com weekly rate report, June 1, 2011: Interest rates unchanged this week -- The average annual percentage rate (APR) on new credit card offers was unchanged this week, staying fixed at 14.83 percent, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

Want a secured card? Experts offer advice on managing secured card accounts -- Secured cards have higher rates and fees, but their terms vary, so it pays to comparison shop and ask questions ... (See Secured credit cards)

Survey: Annual fees kept at bay despite credit card reform law -- Dire predictions from card issuers that a 2009 reform law would boost fees has not come to pass, our fee survey shows ... (See Credit card fee survey)

CreditCards.com/Bankrate.com credit card fee survey 2011: Find your bank's card fees -- Find your card's fees: This table links to information showing the credit card fees from the 50 largest credit card issuing banks and credit unions ... (See Credit card fees)

Patelco CU Gold credit card fee schedule -- Here's the 2011 fee schedule for Patelco CU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Patelco CU Gold credit card fees)

Penn State Employees CU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Penn State Employees CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Penn State Employees CU Classic credit card fees)

Pentagon FCU Standard credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU Standard credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Pentagon FCU Standard credit card fees)

Pentagon FCU PenPromise Standard credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU PenPromise Standard credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Pentagon FCU PenPromise Standard credit card fees)

RBS Citizens Bank Platinum card fee schedule -- Here's the 2011 fee schedule for the RBS Citizens Bank Platinum card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See RBS Citizens Bank Platinum credit card fees)

Redstone FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Redstone FCU Platinum credit card fees)

Redstone FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Redstone FCU Classic credit card fees)

San Diego County CU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the San Diego County CU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See San Diego County CU Platinum credit card fees)

Security Services FCU Gold credit card fee schedule -- Here's the 2011 fee schedule for Security Services FCU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Security Services FCU Gold credit card fees)

Security Services FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for Security Services FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Security Services FCU Classic credit card fees)

Simmons First National Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Simmons First National Bank Platinum credit card fees)

Simmons First National Bank Gold credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Simmons First National Bank Gold credit card fees)

Simmons First National Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for the Simmons First National Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Simmons First National Bank Classic credit card fees)

Intrust Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for Intrust Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Intrust Bank Platinum credit card fees)

M and I Marshall Platinum credit card fee schedule -- Here's the 2011 fee schedule for M and I Marshall Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See M and I Marshall Platinum credit card fees)

State Employees FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the State Employees FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See State Employees FCU Classic credit card fees)

Michigan State Platinum credit card fee schedule -- Here's the 2011 fee schedule for Michigan State Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Michigan State Platinum credit card fees)

State Farm Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for State Farm Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See State Farm Bank Classic credit card fees)

PNC Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for PNC Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See PNC Bank Platinum credit card fees)

Suncoast Schools CU Classic (Starter Card) credit card fee schedule -- Here's the 2011 fee schedule for Suncoast Schools CU Classic (Starter Card) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Suncoast Schools CU Classic (Starter Card) credit card fees)

US Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for US Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See US Bank Platinum credit card fees)

UMB Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for the UMB Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See UMB Bank Platinum credit card fees)

Virginia Credit Union Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Virginia Credit Union Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Virginia Credit Union Platinum credit card fees)

Virginia Credit Union Gold credit card fee schedule -- Here's the 2011 fee schedule for the Virginia Credit Union Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Virginia Credit Union Gold credit card fees)

VyStar CU Gold credit card fee schedule -- Here's the 2011 fee schedule for VyStar CU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See VyStar CU Gold credit card fees)

VyStar CU Classic credit card fee schedule -- Here's the 2011 fee schedule for VyStar CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See VyStar CU Classic credit card fees)

Navy FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Navy FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Navy FCU Platinum credit card fees)

Wells Fargo Platinum credit card fee schedule -- Here's the 2011 fee schedule for Wells Fargo Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Wells Fargo Platinum credit card fees)

Patelco CU Classic credit card fee schedule -- Here's the 2011 fee schedule for Patelco CU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Patelco CU Classic credit card fees)

Wescom CU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Wescom CU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Wescom CU Platinum credit card fees)

Navy FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Navy FCUsecured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Navy FCU secured credit card fees)

Redstone FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Redstone FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Redstone FCU secured credit card fees)

San Diego FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the San Diego FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See San Diego FCU secured credit card fees)

Suncoast Schools FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Suncoast Schools FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Suncoast Schools FCU secured credit card fees)

The Golden 1 CU secured credit card fee schedule -- Here's the 2011 fee schedule for the The Golden 1 CU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See The Golden 1 CU secured credit card fees)

US Bank secured credit card fee schedule -- Here's the 2011 fee schedule for the US Bank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See US Bank secured credit card fees)

Wells Fargo secured credit card fee schedule -- Here's the 2011 fee schedule for the Wells Fargo secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Wells Fargo secured credit card fees)

Discover More credit card fee schedule -- Here's the 2011 fee schedule for Discover More credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Discover More credit card fees)

Fifth Third Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for Fifth Third Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Fifth Third Bank Platinum credit card fees )

First Hawaiian Bank Gold credit card fee schedule -- Here's the 2011 fee schedule for First Hawaiian Bank Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Hawaiian Bank Gold credit card fees)

First Hawaiian Bank Classic credit card fees -- Here's the 2011 fee schedule for the First Hawaiian Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Hawaiian Bank Classic credit card fees)

FNB Omaha Platinum credit card fee schedule -- Here's the 2011 fee schedule for FNB Omaha Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FNB Omaha Platinum credit card fees)

Delta Community Credit Union Classic credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Delta Community Credit Union Classic credit card fees)

Delta Community Credit Union Gold credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Delta Community Credit Union Gold fees)

Delta Community Credit Union Platinum credit card fee schedule -- Here's the 2011 fee schedule for Delta Community Credit Union Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Delta Community Credit Union Platinum fees)

Blue from American Express credit card fee schedule -- Here's the 2011 fee schedule for Blue from American Express credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Blue from American Express credit card fee)

First Tennessee Bank Platinum credit card fee schedule -- Here's the 2011 fee schedule for First Tennessee Bank Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Tennessee Bank Platinum credit card fees)

First Tennessee Bank Classic credit card fee schedule -- Here's the 2011 fee schedule for First Tennessee Bank Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First Tennessee Bank Classic credit card fees)

First-Citizens Bank and Trust Platinum credit card fee schedule -- Here's the 2011 fee schedule for First-Citizens Bank and Trust Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See First-Citizens Bank and Trust Platinum credit card fees)

Clear from American Express credit card fee schedule -- Here's the 2011 fee schedule for Clear from American Express, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Clear from American Express credit card fees)

FirstMerit Corp. Platinum credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp. Platinum, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Platinum credit card fees)

FirstMerit Corp. Classic (Variable) credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp Classic (Variable) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Classic (Variable) credit card fee)

Affinity FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for Affinity FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Affinity FCU Classic credit card fee schedule )

FirstMerit Corp. Classic (Fixed) credit card fee schedule -- Here's the 2011 fee schedule for FirstMerit Corp. Classic (Fixed) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See FirstMerit Corp. Classic (Fixed) credit card fee)

Affinity FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for Affinity FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Affinity FCU Platinum credit card fee )

HSBC Platinum credit card fee schedule -- Here's the 2011 fee schedule for HSBC Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See HSBC Platinum credit card fees)

America First CU Classic (no annual fee) credit card fee schedule -- Here's the 2011 fee schedule for America First CU Classic (no annual fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic (no annual fee) credit card fees)

America First CU Classic (with annual fee) credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Classic (with annual fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic (with annual fee) credit card fees)

America First CU Platinum Rewards credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Platinum Rewards credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Platinum Rewards credit card fee)

America First CU Classic Rewards credit card fee schedule -- Here's the 2011 fee schedule for the America First CU Classic Rewards credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See America First CU Classic Rewards credit card fee)

Arizona FCU Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Arizona FCU Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Arizona FCU Platinum credit card fees)

Bank of America BankAmericard Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Bank of America BankAmericard Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Bank of America BankAmericard Platinum credit card fee)

Baxter (BCU) Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Baxter (BCU) Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Baxter (BCU) Platinum credit card fees)

BBVA Compass Platinum credit card fee schedule -- Here's the 2011 fee schedule for the BBVA Compass Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BBVA Compass Platinum credit card fee)

BECU (Boeing Employees) Classic (Rewards option available with $25 fee) credit card fee schedule -- Here's the 2011 fee schedule for the BECU (Boeing Employees) Classic (Rewards option available with $25 fee) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BECU (Boeing Employees) Classic credit card fee )

Capital One Classic Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Classic Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One Classic Platinum credit card fees)

Capital One Platinum Prestige credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Platinum Prestige credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One Platinum Prestige credit card fees)

Citibank secured credit card fee schedule -- Here's the 2011 fee schedule for the Citibank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Citibank secured credit card fee schedule)

Capital One Standard Platinum (Average Credit) credit card fee schedule -- Here's the 2011 fee schedule for the Capital One Standard Platinum (Average Credit) credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One Standard Platinum credit card fees)

Chase Platinum Slate credit card fee schedule -- Here's the 2011 fee schedule for the Chase Platinum Slate credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Chase Platinum Slate credit card fees)

Citibank Platinum Select credit card fee schedule -- Here's the 2011 fee schedule for the Citibank Platinum Select credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Citibank Platinum Select credit card fees)

Columbus Bank and Trust Platinum credit card fee schedule -- Here's the 2011 fee schedule for the Columbus Bank and Trust Platinum credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Columbus Bank and Trust Platinum credit card fees)

AmeriCU secured credit card fee schedule -- Here's the 2011 fee schedule for the AmeriCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See AmeriCU secured credit card fees)

Digital FCU Classic credit card fee schedule -- Here's the 2011 fee schedule for the Digital FCU Classic credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Digital FCU Classic credit card fees)

Bank of America secured credit card fee schedule -- Here's the 2011 fee schedule for the Bank of America secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Bank of America secured credit card fees)

BBVA Compass secured credit card fee schedule -- Here's the 2011 fee schedule for the BBVA Compass secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See BBVA Compass secured credit card fees)

Capital One secured credit card fee schedule -- Here's the 2011 fee schedule for the Capital One secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Capital One secured credit card fees)

Digital FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the Digital FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Digital FCU secured credit card fees)

Fifth Third Bank secured credit card fee schedule -- Here's the 2011 fee schedule for the Fifth Third Bank secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Fifth Third Bank secured credit card fees)

GTE FCU secured credit card fee schedule -- Here's the 2011 fee schedule for the GTE FCU secured credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See GTE FCU secured credit card fees)

Pentagon FCU Gold credit card fee schedule -- Here's the 2011 fee schedule for the Pentagon FCU Gold credit card, according to the CreditCards.com/Bankrate.com annual Credit Card Fee Survey ... (See Pentagon FCU Gold credit card fees)

Gary Foreman: How to diagnose your financial health -- There are parallels between financial and physical health: Both need to be properly diagnosed and the right steps taken to cure the ailments ... (See Financial help)

CreditCards.com weekly rate report, May 25, 2011: Average APRs fall on new card offers -- A move by Wells Fargo to cut the rates on two of its popular rewards cards caused the national average to fall in CreditCards.com's weekly rate report ... (See Weekly credit card rate report, May 25, 2011)

Gary Foreman: Inflation is coming; here's how it will hurt -- Before inflation returns in force, there are steps you can take to readjust your investments and loans to minimize its impact ... (See Adjusting for inflation)

What if Americans paid the national debt with plastic? -- If every American pitched in and helped pay the national debt with his or her own credit card, just how much would it cost each of us? This calculator will tell you ... (See National debt calculator)

Credit card interest rates climb higher -- Credit card interest rates jumped this week, after Discover raised the rate on one of its business cards. But that wasn't the only troubling news for those looking for a business credit card. ... (See Rate report)

Credit card interest rates stay steady -- Interest rates on credit card offers stayed static this week, according to the CreditCards.com Weekly Credit Card Rate Report, though banks aren't standing idly ... (See Weekly rate report, May 11, 2011 )

Pew report: Credit card rates, fees stablized since passage of credit card reform -- Credit card interest rates and fees have stabilized in the last year, according to a study from the Pew Safe Credit Cards Project. ... (See Pew study)

Credit card limits jump for 1st time since 2008, Fed says -- For the first time since the economic crisis began, consumer credit card limits are increasing, according to new data from the Federal Reserve. ... (See Credit card limits)

Credit card interest rates move higher -- Credit card interest rates moved higher this week, according to the CreditCards.com Weekly Rate Report. ... (See Interest rates)

Consumer credit card debt jumps in March, Fed says -- Consumer credit card balances rose in March, according to the Federal Reserve, as consumers finally began to shed their reluctance to make purchases on plastic. ... (See Consumer credit)

Poll: Mom matters most in shaping our financial habits -- Our money management skills are patterned after Mom most often, but spouses rule for daily spending and big purchases, according to a new CreditCards.com poll. ... (See Moms and spending)

Fed says credit cards easier to get, but does anyone want one? -- Banks were more willing to approve credit card applications in the first three months of 2011, according to a new survey from the Federal Reserve, but it was less than clear whether consumers really want them. ... (See Credit card lending)

FICO reveals credit score damage from paying mortgage late and foreclosure -- Data shared by credit scoring giant FICO shows the point damage -- and length of recovery time -- that can follow several types of mortgage payment mishaps ... (See Mortgages and credit scores)

Credit card interest rates unchanged again -- With the cost of gas and groceries rising, consumers can take some solace in one thing that hasn't changed much lately -- credit card interest rates ... (See Rate report, April 27, 2011 )

6 myths about credit report checks by employers -- Are employers truly weeding out applicants by checking potential employee credit reports? The reality may surprise you ... (See Employee credit checks )

Weekly Credit Card Rate Report: Shift in student cards sends credit card interest rates higher -- The average annual percentage rate (APR) on introductory credit card offers climbed to 14.67 this week, its first jump since late February ... (See Credit card Weekly Rate Report, April 20)

Bankruptcy filings fall in first quarter of 2011 -- The economy has improved and tight credit means there's less debt to file over, but it's not clear that the decline in bankruptcy will last ... (See Bankruptcy filings)

Credit card interest rates unchanged for 5th straight week -- Interest rates on credit card offers remained unchanged for a record fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report, and experts say that’s good news for consumers ... (See Rate report)

Federal Reserve: Credit card balances fall in February -- Credit card holders continued to scale back their use of plastic in February, causing revolving debt balances to decline, based on the latest consumer credit data from the Federal Reserve. ... (See Consumer credit)

CreditCards.com Weekly Rate Report: Credit card interest rates steady for record 4th straight week -- Interest rates on new credit card offers held steady for a record fourth straight week on Wednesday, according to CreditCards.com's Weekly Rate Report. But that doesn't mean issuers are sitting on their hands. ... (See Rate report)

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)

Credit card interest rates unchanged for record 3rd straight week -- For the first time since CreditCards.com began tracking interest rates in 2007, APRs on new credit card offers remained unchanged for a third week in a row, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Fed survey: Recession robbed net worth of 6 in 10 American families -- A Federal Reserve survey puts numbers to what we already know: The 2007-2009 Great Recession took a horrible toll on most families ... (See Recession robbed net worth)

When being frugal becomes an obsession -- Do you or someone you know go beyond being a cheapskate? If so, you may have a money disorder -- one that financial therapists call “underspending” ... (See Money disorders)

CreditCards.com Weekly Rate Report: Credit card interest rates unchanged for second straight week -- The average annual percentage rate (APR) on new credit card offers remained unchanged at 14.65 percent for the second straight week, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

8-month plan to shift family from two incomes to one -- Moving from two incomes to one can be terrifying, but surviving and thriving on just one income can be done -- and in just eight months ... (See Surviving on one income)

After disasters, beware credit card frauds and scams from fake charities -- In the wake of a disaster, emotions can run high and people want to help. Fraudsters know it, and pose as phony charities to steal credit card information ... (See Disaster scams)

CreditCards.com Weekly Rate Report: Credit card interest rates stay steady -- The average annual percentage rate (APR) on new credit card offers held steady at 14.65 percent on Wednesday, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

CreditCards.com Weekly Rate Report: Barclays' move sends credit card interest rates lower -- Credit card interest rates inched lower for the second straight week as more banks begin testing offers for the spring ... (See Credit card rate report, March 9, 2011)

FTC report: credit card complaints nosedive in 2010 -- Consumer advocates say the sharp drop in complaints proves the credit card reform law is working, but the FTC isn't convinced ... (See Credit card complaints)

Consumer credit card balances drop in January -- Consumer credit card balances declined in January, according to the latest Federal Reserve data, resuming their fall after posting one month of gains at the end of 2010. ... (See Consumer credit)

San Antonio leads the list of 25 cities with most credit card debt -- Overall, debt is down, but Texas, Georgia, Florida cities are all well-represented in the list of cities whose citizens rack up the most card debt ... (See Cities with most debt)

Credit card interest rates see 1st drop of 2011 -- Credit card interest rates declined this week for the first time in nearly three months. But it’s not all good news for consumers, as card offers for applicants with poor credit continue to be costly ... (See Credit card rate report, March 2, 2011)

Consumers lack basic credit score knowledge, survey shows -- According to a new survey from VantageScore and the Consumer Federation of America, two of every three Americans believe -- incorrectly -- that a consumer's age is a factor used in calculating a credit score. But that's not the only misconception. ... (See Credit score)

Credit card interest rates rise to highest level since December -- Credit card interest rates rose slightly this week -- puncturing a multiweek lull in which all 30 credit card issuers that CreditCards.com tracks left interest rates alone. ... (See Credit card rate report, Feb. 23, 2011)

Survey: Recession still hurting saving, retirement funds -- A national survey finds that the lingering effects of the recession are causing more Americans to become concerned about its impact on their personal finances ... (See Recession's financial effects linger)

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)

Credit card interest rates unchanged for 2nd straight week -- Credit card interest rates remained unchanged this week as banks returned, after a period of tumultuous change, to their seasonal slow period ... (See Rate report, Feb. 16, 2011)

Consumer credit card ownership sees 1st jump since 2008, Fed says -- The number of credit cards held by consumers increased for the first time since early 2008, according to data released by the Federal Reserve on Monday ... (See Credit card ownership jumps)

Credit card interest rates remain near record highs -- Credit card interest rates on new card offers were unchanged this week, lingering near record highs. ... (See Rate report)

Consumer credit card debt grows for 1st time since 2008, Fed says -- Consumer credit card debt has increased for the first time in more than two years, according to new data from the Federal Reserve, lifted by a surge in holiday spending ... (See Consumer credit )

Chase move sends credit card interest rates higher -- Interest rates on new credit card offers, already in near-record heights, continued their slow, steady climb this week, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

Banks continue to ease lending standards, Federal Reserve's Quarterly Senior Loan Officer Survey shows -- Banks continued to make it easier for consumers to get a credit card in late 2010, a new Federal Reserve survey shows. The news wasn't as good for current credit card holders, though ... (See Fed survey)

Federal Reserve leaves interest rates alone in first meeting of 2011 -- The Federal Reserve decided Wednesday to start 2011 in the same place it has spent the past two years -- on the sidelines. Its rate-setting committee voted to leave interest rates alone ... (See Interest rates)

Credit card interest rates unchanged, stay near record highs -- Credit card interest rates remained unchanged this week as banks took a break from adjusting new card offers. ... (See Rate report)

0 percent balance transfer offers stage a comeback -- If you've noticed a fresh spate of 0 percent balance transfer offers in your mailbox lately, you're not alone, experts say. However, the latest offers come with some new terms and conditions that could trip up unsuspecting consumers ... (See 0 percent balance transfer offer)

Barclays, State Farm push credit card interest rates higher -- Credit card interest rates again crept nearer to record levels, spurred by rate increases by Barclays and State Farm Bank, according to the CreditCards.com Weekly Rate Report. ... (See Interest rate report)

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)

You are not your credit score: Credit and self-esteem -- A low credit score can be a devastating blow to a person's self-esteem, but by changing your focus and taking small steps to distance yourself from your score, you can minimize the impact of those three digits on your psyche ... (See Credit and self-esteem)

Credit card interest rates unchanged, despite Chase and Barclays moves -- Credit card interest rates remained unchanged this week, despite tweaks to card offers from Barclays and Chase ... (See Rate report)

State bankruptcy rankings, 2010: Nevada holds its sad crown -- The recession and high debt levels are hurting people in every state, but bankruptcies are not at all evenly spread. Someone in Nevada is seven times more likely to file than an Alaskan ... (See Bankruptcy filings)

Personal bankruptcies rose 8 percent in 2010 -- Housing bubble states led the pack in bankruptcies, with California and Florida having the most people file. Hawaii had the largest percentage increase and Nevada the most per capita ... (See 2010 bankruptcies)

Consumer credit card debt falls further in November -- Credit card balances continued their long decline in November, but analysts say a strong holiday season could soon turn things around. ... (See Consumer credit)

Barclays' moves send credit card interest rates higher -- Credit card interest rates rose slightly this week after Barclays raised interest rates on two of its cards. ... (See Credit card APRs)

Weekly Credit Card Rate Report: Credit card interest rates unchanged as turbulent year closes -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks wrapped up a turbulent year in which interest rates reached record highs. ... (See credit card APRs)

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)

Weekly Credit Card Rate Report:Barclays, Cap One moves send credit card interest rates higher -- Credit card interest rates rose for the first time in six weeks after Barclays and Capital One adjusted card offers. ... (See Rate report)

Weekly Credit Card Rate Report: Interest rates unchanged despite move from Chase -- A Chase interest rate tweak plus a Federal Reserve announcement still added up to zero movement in the average APR on new credit card offers this week. ... (See Rate report)

Federal Reserve leaves interest rates unchanged again -- In its final meeting of the year, the Federal Reserve again left its lending rates unchanged, and experts say to expect more of the same through 2011. ... (See Fed)

Weekly Credit Card Rate Report: Credit card interest rates drop on Capital One changes -- Interest rates on new credit card offers continue to head lower, thanks to changes from Capital One, but that doesn't mean borrowing has become a breeze. ... (See Rate report)

Consumer credit card balances continue to decline in October -- Credit card balances declined further in October, marking the 26th straight month that Americans' credit card debt has shrunk. ... (See G.19)

Unemployed? You can get an extra free credit report -- Federal law guarantees unemployed U.S. workers the right to an extra free credit report to assist in their job search. The problem? Nobody seems to be telling out-of-work consumers ... (See Unemployed credit report)

Weekly Credit Card Rate Report: Credit card interest rates unchanged after Thanksgiving holiday -- Banks, apparently still shaking off their tryptophan drowsiness, left interest rates on credit card offers unchanged this week ... (See Rate report)

Weekly Credit Card Rate Report: Credit card APRs fall for second straight week -- Credit card interest rates continued to fall this week, pushed lower by a business credit card. ... (See Rate report)

Credit card agreements still mostly unreadable -- A few months ago, we analyzed all the credit card agreements posted on a new public database and found them unreadable to four out of five American adults. We looked again at the worst offenders and find little improvement ... (See Unreadable card agreements)

Credit card interest rates fall from record highs -- Credit card interest rates finally fell from record highs this week, but it's far too early for borrowers to celebrate. ... (See APRs)

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)

Credit card interest rates hit another record high -- If it seems like credit card interest rates are higher than they've been in a long while, you're not imagining things. This week, the national average APR on new credit cards hit another record high, according to CreditCards.com's database of card offer information. ... (See APRs)

Banks loosen credit card lending standards, Fed report says -- For the second straight quarter, banks made it a little bit easier to get a new credit card, the Federal Reserve said Monday. However, data also showed it remains a tough time to be an existing cardholder ... (See Lending)

Debt's most tragic toll: murder-suicide -- While a poor economy doesn't make someone abusive, financial hardship can turn someone already on the edge into a violent criminal ... (See Debt and murder)

Consumer credit card balances plunge more than $8 billion -- Consumer credit card debt levels plummeted more than $8 billion in September, says the Federal Reserve's latest G.19 consumer credit report, marking a 25th straight month of decline ... (See Consumer credit)

Walmart rate hike sends credit card APRs to record high -- Interest rates on new credit card offers leaped to record highs this week, following a rate hike on Walmart's Discover card ... (See Weekly rate report)

Federal Reserve's policy changes won't impact cardholders -- The Federal Reserve announced steps Wednesday to support a fragile U.S. economy, but unlike more traditional changes to monetary policy, those moves won't directly impact credit cardholders. ... (See Fed)

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)

Credit card APRs surge on First Premier card change -- Credit card interest rates neared record levels, after First Premier began charging the higher of two APRs to all of its new Centennial Classic cardholders. ... (See Weekly rate report)

Banks paid out $83 million in '09 to schools, alumni groups to market credit cards -- Once-secret agreements, forced into view by the 2009 credit card reform law, reveal the vast scope of student, alumni marketing ... (See College marketing deals)

5 scary credit card situations -- and how to deal with them -- Even if you're too old for the usual Halloween thrills and chills this year, there's still potential for plenty of spookiness ... lurking right inside your wallet ... (See Credit scares)

Credit card interest rates rise on Chase, Cap One changes -- Interest rates on new credit card offers inched up this week, following after rate hikes from Capital One and Chase. ... (See Rate report)

Nevada's residents remain most likely to file for bankruptcy -- Nevadans, hard hit by the recession, hold the dubious distinction of being most likely to file for bankruptcy, court records show ... (See Bankruptcy)

Credit card interest rates flat despite Chase changes -- Interest rates on new credit card offers were unchanged this week, despite several APR changes from Chase. ... (See Chase)

Consumer credit card balances fall 7 percent, marking 2 full years of decline -- Consumer credit card debt has now fallen for two full years, according to the Federal Reserve's latest G.19 consumer credit report, as continuing economic troubles have made banks and borrowers unwilling to carry too much debt. ... (See Revolving debt)

Credit card interest rates see 2nd straight increase -- For the second straight week, it got more expensive to get a new credit card, though only slightly ... (See Rate report)

5 ways to know you've got the wrong credit card for you -- You had a closet full of clothes you adored as a teenager -- but that doesn't mean you'd wear them now, right? The same thing goes for your credit card ... (See Wrong card)

CreditCards.com weekly survey: Interest rates jump following Capital One APR hikes -- Interest rates on new credit card offers offers jumped this week, after Capital One increased rates on seven of its cards. ... (See Rate report)

Want to volunteer? Be sure your credit's good -- Volunteerism is on the rise, thanks in part to the recession. And more and more, volunteers are being asked to submit to the same background screening techniques that employers use to vet job candidates. ... (See Volunteer credit checks)

The good, bad and the ugly of credit card offers -- Credit card offers are back from the dead, so if you've got a high credit score, you're in demand and are likely to have a mailbox stuffed full of offers. If you've got average or bad credit, however, the story's likely quite different. ... (See Credit card offers)

CreditCards.com weekly survey: Interest rates fall after Sony Card returns -- Credit card interest rates fall this week after the Sony Card made its return ... (See Rate report)

Federal Reserve's FOMC again leaves interest rates alone -- The U.S. central bank's Federal Open Market again left interest rates alone, meaning most cardholders are safe from APR increases in the immediate future ... (See Fed)

8 things cardholders should know about community property laws -- If your marriage ends in death, annulment or divorce, what happens to debts and community property depends greatly on where you live ... (See Community property states)

Compare states' community property laws in divorce -- Detailed information on how assets and debts are divided in marriage and divorce in the 10 states with community property laws ... (See Divorce and state community property laws)

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)

CreditCards.com weekly survey: Interest rates remain unchanged for second-straight week -- Credit card interest rates held steady this week at their lowest levels since mid-May ... (See Rate report)

CreditCards.com survey: 1 in 4 credit cards have annual fee, but issuers may waive it for you -- One in four U.S. credit cards has an annual fee, but that doesn't mean borrowers have to pay them ... (See Annual fees)

Fill your car's tires with nitrogen, not air? It's not worth it -- Although proponents say nitrogen reduces leakage and prevents tires from deteriorating, the claims don't stand up to scrutiny ... (See Nitrogen-filled tires)

Consumer credit card debt shrinks again in July -- Consumer credit card debt fell by more than $4 billion in July, a record 22nd straight monthly drop, according to the latest Federal Reserve data. ... (See Consumer credit)

Credit card interest rates unchanged despite NFL card's return -- Interest rates on new credit card offers were unchanged, according to the CreditCards.com Weekly Credit Card Rate Report, following the return of the NFL Extra Points Rewards credit card. ... (See Rate report)

Capital One's moves send credit card interest rates falling -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after Capital One introduced lower rates on several of its cards. ... (See Rate report)

QA with Zac Bissonnette, author of 'Debt-Free U,' a book of advice on student loans -- Author Zac Bissonnette argues that the risks inherent in college loans far outweigh any benefit of a degree from a big-name school ... (See "Debt-Free U" Q&A)

Ex-offenders face big debt challenges after prison -- Most ex-offenders, once they are free, face overbearing debt obligations and job barriers, often forcing them to return to a life of crime ... (See Out of jail, in debt)

What does it cost to get a credit card in your pocket? -- What does it cost to get a single credit card into a willing consumer's pocket? Not much, industry experts say, and most of the cost comes once the card's already made. ... (See Creation)

Interest rates stay steady, but 59.9 percent APR reappears on First Premier card -- The national average interest rate on new credit card offers was unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, even as one issuer reintroduced an extremely high rate. ... (See Rate report)

American Express No. 1 in customer service survey -- AmEx trumped other major issuers in customer satisfaction in the 2010 Credit Card Satisfaction Study, conducted by J.D. Power and Associates ... (See J.D. Power survey)

Wells Fargo interest rate increase sends credit card APRs higher -- Interest rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, after Wells Fargo increased the rate on a card ... (See Rate report)

Credit card lending standards loosen for 1st time in 3 years -- It got easier to get a credit card in the second quarter of 2010, according to data released by the Federal Reserve on Monday ... (See Survey)

Mine, yours and ours: Marriage and your money -- When you say "I do," it's not just your lives that are forever linked, it's your funds too. For the sake of connubial contentment, is it better to intermingle your money or maintain your financial independence? ... (See Marriage and money)

Capital One APR decrease sends credit card interest rates to 3rd drop in 4 weeks -- Interest rates on new credit card offers fell for the third time in four weeks, according to the CreditCards.com Weekly Credit Card Rate Report, after Capital One lowered the rate on a card product. ... (See Rates)

Amid economic uncertainty, Federal Reserve leaves interest rates alone -- Amid signs that the economic recovery is in doubt, the Federal Reserve on Tuesday kept interest rates unchanged, leaving the majority of credit cardholders protected from sudden increases in their annual percentage rates ... (See Fed)

80 percent of spouses lie about spending -- Secret spenders have hidden credit cards, bank accounts and debts ... (See Secrets)

A tattoo? Waxing? Teens, parents at odds when shopping for back-to-school supplies -- Parents may be opening their wallets more while back-to-school shopping, but teens aren't happy with what they are buying. ... (See Back-to-school spending)

Consumer credit card debt shrinks further in June -- Consumer credit card debt slumped by $4.5 billion in June, marking a record 21st straight monthly drop, according to the latest Federal Reserve data. ... (See Consumer credit)

Interest rates fall after Walmart card makes online return -- Interest rates on new credit card offers fall after G.E. Money brings back its Walmart Discover card. ... (See Rates)

Nevada still king, Georgia jumps Tennessee in bankruptcies per capita -- Nevada is still king, and Georgia jumps Tennessee in bankruptcies per capita. Indiana, Colorado and Utah all jump up in the rankings, while Tennessee and Michigan see small decreases. ... (See Bankruptcy)

Interest rates rise after Chase adjusts card offer -- Credit card interest rates increased following Chase's adjustment of a card offer. ... (See Rate report)

First-time car buyers lack financing know-how -- Most first time car buyers need to explore credit scores, financing options, before they purchase. ... (See First-time car buyers)

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)

New federal credit card agreement database shows potential, isn't user-friendly -- A new federal database of credit card agreements contains a wealth of information, but it isn't presented in a user-friendly way, critics say ... (See Credit card agreement database)

Quotable: What lawmakers, experts say about CreditCards.com's readability study -- Lawmakers, consumer advocates, banking industry officials and financial literacy and readability experts react to the CreditCards.com analysis of the readability of U.S. credit card agreements ... (See CreditCards.com readability study)

Readability of the credit card agreements from 20 largest issuers -- Large national banks issue more than 90 percent of the cards in the United States. Here's how their credit card agreements compare for readability ... (See Credit card agreements)

3 language experts try to make sense of a credit card contract -- No joke: An ex-spy, a rocket scientist and an etiquette expert wade into a credit card agreement and try to make sense of it ... (See Credit card agreements)

How your credit card agreement compares in readability to familiar documents: the Bible, 'Twilight,' nursery rhymes -- According to a CreditCards.com analysis, the average credit card agreement is harder to read than a Bible verse, and more challenging than a real estate purchasing contract. But how do they compare to other works, such as the first Twilight book or even 'Itsy Bitsy Spider'? ... (See Credit card agreement)

Credit card Interest rates fall for first time since May -- Credit card interest rates fell last week for the first time in more than two months, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

Credit card interest rates hold steady for 2nd straight week -- Interest rates on new credit card offers were unchanged for the second straight week, as banks left their card products alone. ... (See Rate report)

Small-business credit cards stage a tentative comeback -- Small-business owners, whose credit choices evaporated amid the recession and new regulations, have seen a modest return of credit cards aimed at them ... (See Business credit)

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)

Study: Credit card annual fees most hated -- A recent survey reveals that of all the costs associated with credit cards, annual fees are the most despised. ... (See Credit card annual fees)

Consumer credit card debt falls for 20th straight month -- Consumer credit card debt declined by more than $7 billion in May, marking a record 20th straight monthly drop, according to the latest Federal Reserve data. ... (See Consumer credit)

4 key questions to ask when considering a cash advance -- Recession-bitten consumers are stepping away from credit card cash advances with a vengeance. That's a good thing, financial experts say. Cash advances are a bad financial idea, except in the most dire of emergencies. ... (See Cash advance)

Credit card interest rates end five-week run of increases -- The streak is over. Last week, for the first time in more than the month, the national average interest rate on a new credit card offer did not increase, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Consumers paying more credit card bills on time -- Not since 2002 have Americans been so good about paying their credit card bills on time, according to recent loan delinquency numbers from the ABA. ... (See Credit card delinquencies)

Interest rates advance for fifth consecutive week -- Credit card APRs increased for the fifth straight week, the longest increase in nearly three years. ... (See Rate report)

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)

Nervous Fed continues to hold interest rates steady -- The Federal Reserve left interest rates unchanged once again Wednesday, meaning the bulk of credit cardholders can rest assured that their credit cards' APRs won't be going up anytime soon. ... (See Interest rates)

Credit card interest rates rise for fourth straight week -- Interest rates on new credit card offers tiptoed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, marking the fourth consecutive weekly increase. ... (See Rate report)

Dads can be better financial role models -- While many of us learn how to manage our finances from our parents, they're not always the best role models, according to a new survey. ... (See NFCC survey)

7 tips for using your yearly credit card summary as a budgeting tool -- Plastic gets a bad rap for destroying cardholders' personal finances. But increasingly, users and personal finance experts alike tout the annual year-end statements provided for free by card issuers as one of the most useful personal finance tools available ... (See Budgeting)

Capital One move pushes APRs higher for 3rd straight week -- Another week brought with it another interest rate move by Capital One, sending credit card APRs still higher. ... (See Cap One)

Cap One's moves push credit card interest rates higher -- Interest rates on new credit card offers surged higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, following card adjustments by Capital One. ... (See Rates)

Consumer credit card balances plummet in April -- Consumer credit card balances plummeted by $8.5 billion in April, marking a record 19th straight month of decline, according to data released Monday by the Federal Reserve. ... (See Consumer credit)

Your credit card's Da Vinci Code: How the 'Luhn formula' evaluates credit card numbers -- Think of it as your card's Da Vinci Code: A little known, low-tech mathematical sleight-of-hand is used to see whether numbers on credit and debit cards are real or fake ... (See Luhn formula)

Capital One's rate hikes send credit card interest rates higher -- Interest rates on new credit card offers rose this week, according to the CreditCards.com Weekly Credit Card Rate Report, spurred by rate increases from Capital One. ... (See Rate report)

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)

Even barely late payments can impact your credit score -- If you're late with a payment -- but fewer than 30 days late -- does your credit score take a hit? The answer's not so simple. ... (See Late payments and credit scores)

Credit card interest rates remain unchanged -- Interest rates on new credit card offers were unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, after banks largely refrained from adjusting their card offers. ... (See Rate report)

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)

Nonactivated cards can still impact a credit score -- A credit card that hasn't been activated may represent a security threat, but in the calculation of your credit score, an inactive card account's existence -- or its closure -- isn't treated differently than any other credit card ... (See Inactive credit card)

Credit card interest rates end record run of declines -- Interest rates on new credit card offers rose this week, according to the CreditCards.com Weekly Credit Card Rate Report, ending a record string of declines. ... (See Rate report)

The Credit CARD of 2009 turns 1: A year-long look at the landmark legislation -- What a difference a year makes. One year ago this week, President Obama signed historic legislation revamping how Americans acquire, use and pay for credit cards. Use this time line to view key developments affecting credit card users and their accounts. ... (See CARD Act)

Responsible borrowing can protect credit score from limit cuts -- When the bank cuts a cardholder's line of credit -- a common occurence in recent years -- a history of responsible borrowing can protect against credit scoring damage. ... (See Credit scores)

8 top reasons you overspend -- Buying with plastic, or in bulk -- or even the music you listen to can lead to overshopping, experts say ... (See Why we overshop)

Credit scoring, reporting Q and A with Experian, part 1 -- The first in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit)

Credit scoring, reporting Q and A with Experian, part 2 -- The second in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit reporting)

Credit scoring, reporting Q and A with Experian, part 3 -- The third in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit reporting)

Credit scoring, reporting Q and A with Experian, part 4 -- The fourth in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit reporting)

Credit scoring, reporting Q and A with Experian, part 5 -- The fifth in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit reporting)

Credit scoring, reporting Q and A with Experian, part 6 -- The last in a six-part series replaying a credit scoring and reporting question and answer session CreditCards.com held with Experian. ... (See Credit reporting)

Credit card interest rates' slide continues -- Interest rates on new credit card offers declined for a record fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report, after Citi lowered rates on a card product. ... (See Interest rates)

Look to credit reports to understand loan denials -- A reader wondering why he was rejected for a credit card loan should turn to his credit report to understand why the lender made the move ... (See Credit reports)

Consumer credit card debt keeps dropping -- Consumer credit card balances shrank for a record 18th straight month, according to data released Friday by the Federal Reserve. ... (See Consumer credit)

FTC report on ATM 'emergency' PIN numbers throws up its hands -- Congress mandated a year ago that the FTC study whether it's feasible to create ways for people to summon emergency at ATMs. Dunno, the long-awaited study says. ... (See Emergency ATM PIN)

Credit card interest rates fall for record 4th straight week -- Card rates continue to be volatile, with cards entering and exiting the market as the industry -- faced with the recession and new regulations -- rapidly changes ... (See Rate report)

To preserve credit score, don't leave credit cards unused -- If maintaining your credit score is a primary concern, don't leave credit cards unused. ... (See Credit score)

Credit card lending standards keep tightening, Fed report says -- It became tougher to get a credit card in early 2010, according to the latest data from the Federal Reserve, even as banks were more willing to offer other types of loans. ... (See Lending)

Plastic love: How to protect your credit while online dating -- Use online dating services? Your credit and other financial interests may be at risk if you don't guard yourself from those falsely fishing for companionship. Here's how to protect more than just your heart when seeking a mate via the Internet ... (See Online dating)

10 credit card perks you didn't know you had -- Think all that's in the fine print of your credit card is trouble? There may actually be some good news in there: hidden perks, from car rental collision insurance to return protection, that can save you cash ... (See Credit card perks)

Target's moves send credit card interest rates to 3rd straight decline -- Credit card interest rates fell again, according to the CreditCards.com Weekly Credit Card Rate Report, spurred by Target's recent move to eliminate its Visa credit card. ... (See Rate report)

Federal Reserve leaves interest rates unchanged again -- Credit cardholders in good standing likely won't see their interest rates go up anytime soon, thanks to a key decision by the Federal Reserve on Wednesday. ... (See Fed)

States stepping up to limit pre-employment credit checks -- If you're unemployed and suffering from bad credit, a growing number of states' lawmakers want to remove one barrier between you and a new job: a credit check ... (See Credit checks)

Visa tackles deceptive online 'data pass' marketing -- In an effort to tone down aggressive sales tactics used by some Internet-based businesses, Visa announced it will require its merchants to more actively warn their customers of external offers made during online transactions ... (more)

Focus on finances -- not your credit score -- when repaying a loan -- The decision to repay a loan rapidly should be more about your finances than your credit score. ... (See Early repayment plan)

How to read, understand your credit card statement -- A lot of work goes into something no one likes to see: a credit card bill. This interactive guide breaks down how yours should look and what it must contain ... (See Card statements' new look)

Citi's moves send interest rates down for 2nd straight week -- Interest rates on new credit card offers fell for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report, amid signs the consumer lending environment may be improving. ... (See Rate report)

Which of the 4 types of debt-help companies is right for you? -- Deep in debt but not ready for bankruptcy? Consider these types of companies, but beware: credit help comes in many forms, and not all of them are good for you ... (See Debt help)

'Hard' inquiries have limited credit score impact -- Lenders' inquiries into a borrowers' credit history can drop their credit score -- but not by much. ... (See Credit score)

How to get a job when you have bad credit -- A blemished credit report can hurt your job chances. Learn which financial mistakes are most costly. ... (See Bad credit)

How you play poker reveals a lot about your financial personality -- Do you sneak multiple peeks at your cards or stick with your gut and keep them on the table? How you play your cards says a lot about your finances ... (See Poker and finances)

FICO's 5 factors: The components of a FICO credit score -- How does FICO come up with its widely used credit score? While the inner workings of the FICO scoring system are a closely guarded secret, the company is open about the five basic components of a score. Here's what they are ... (See FICO parts)

Interest rates fall as issuers modify credit card offers -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after issuers tweaked the rates on several card products. ... (See Rate report)

Nevada, Tennessee remain highest per capita bankruptcy states -- California and Illinois jump near the top, according to data for the first quarter of 2010; Alaska, South Carolina remain at the bottom ... (See Bankruptcy filings)

Bankruptcies resume climbing, aided by tax refunds -- Bankruptcy filings rose 17 percent over a year ago; once-available cushions of credit and home equity have vanished ... (See Bankruptcies rising)

Credit score suffers from being caught in 'balance chasing' loop -- "Balance chasing" by banks can leave borrowers with lower credit limits and credit scores ... (See Credit score)

New rules could provide millions with free credit scores -- Rules announced by the Federal Reserve and FTC mean that, starting in 2011, millions of U.S. borrowers could get free copies of their credit scores. ... (See Credit scores)

Interest rates rise as credit card issuers tweak offers -- The industry continues to writhe and adjust as card issuers learn to cope with the Great Recession and new regulation ... (See Rate report)

Credit card balances free fall in February -- Americans resumed their efforts to trim card balances last month according to newly released Fed data ... (See G.19)

Parents shouldn't pay for child's late card payments -- Parents who are listed as authorized users on their child's credit card account shouldn't have to suffer credit score damage when the child makes late payments. ... (See Score damage)

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)

Bad credit card issuer's moves send interest rates lower -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after subprime issuer Credit One tweaked some of its card offers ... (See Rate report)

High balance on just one card can hurt credit score -- Check your credit score and keep all your cards' balances low or you could upset your attempt to refinance a home ... (See Balance hurts refi odds)

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)

Capital One's business card moves send interest rates higher -- Interest rates on new credit card offers rose this week, according to the CreditCards.com Weekly Credit Card Rate Report, spurred by changes in Capital One's business card offerings. ... (See Rate report)

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)

Canceling a card can hurt your credit score -- Forced to choose between paying a new fee on your credit card or closing the account? Consider the impact on your credit score. ... (See Canceling a card)

Credit card interest rates fall after Wells Fargo cuts APRs -- In what it called a "competitive pricing" move, Wells Fargo drove down the average rates on new credit cards this week by lowering the rates on four of its credit cards. ... (See Rate report)

Federal Reserve leaves interest rates at historic lows -- Smile, credit cardholders. A decision Tuesday by the Federal Reserve means that, barring a big mistake on your part, your credit card's interest rate won't be increasing anytime soon. ... (See FOMC)

Conservatorships: Stepping in for those who can't help themselves -- Watching a family member lose his grip on his finances can be maddening. However, in some cases you can take control by going to court to set up a conservatorship, a legal relationship that makes you the custodian of another adult's finances. ... (See Conservatorship)

Piggybacking's just one step en route to a better credit score -- Borrowers who want to boost their credit scores need to examine their own credit reports first before becoming authorized cardholders on other accounts. ... (See Piggyback)

Credit card interest rates jump, approach record highs -- Credit card interest rates reached their second-highest level on record after U.S. Bank raised rates on several of its cards. ... (See Rate report)

When refinancing, closing credit card accounts can cost you -- When in the midst of a home refinancing and considering an account closure, experts say the price of credit score damage is likely to outweigh the cost of any potential annual fees. ... (See Loan)

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)

Consumer credit card balances fall for 16th straight month -- Americans increased their overall consumer debt in January for the first time in a year, even as continuing to trim their credit card balances. ... (See G.19)

Video: Can magnets really make a credit card unreadable? -- If you expose your credit card to a magnet, will it still work? In an earlier video, Cynthia Drake with CreditCards.com said that it would not, but some viewers disagreed. We set out to see what the truth really was. ... (See Magnets)

Fed proposes rules to limit credit card fees -- Credit card fees would have to be 'reasonable' and 'proportional' to the offense under new rules proposed by the Federal Reserve. ... (See Fees)

Interest rates fall as 59.9% APR credit card goes away -- Interest rates pulled back from record levels this week, although cardholders may not have much reason to cheer. ... (See Rate report)

3 ways to rebuild your credit after wage garnishment -- Consistent, timely student loan payments made via wage garnishment don't reflect positively on a credit report. But there are a few steps you can take to improve your standing. ... (See Rebuild)

Don't always refuse rental car insurance coverage; credit card protections become iffy -- It used to be a no-brainer -- credit card holders refused costly additional insurance policies offered by car rental agencies. Now it's not: The rental agencies charge new fees and the card issuers' policies aren't uniform or universal. ... (See Car rental insurance)

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)

Consumer credit complaints see huge jump, FTC says -- Identity theft again topped the list of consumer complaints made to the Federal Trade Commission in 2009, but the number of Americans ticked off about their credit showed the sharpest increase. ... (See FTC)

Interest rates surge higher as credit card reform arrives -- Banks jacked interest rates to record levels this week, getting in their final licks against consumers ahead of the new credit card regulations. ... (See Rate report)

Video: White House town hall on credit card reform -- Austan Goolsbee of the President's Council of Economic Advisers answered questions on Feb. 22 about credit card reform and what it means to you. The questions were both submitted live and in advance through CreditCards.com. ... (See Town hall)

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)

Video: New card law changes relationship between colleges, issuers -- The Credit CARD Act changes the once-secret agreements between card issuers and colleges by requiring schools to report any deals they make with card companies to the Federal Reserve Board. ... (See Campus)

What's NOT covered by the credit card reform law -- The sweeping credit card reform act's regulations omit several types of cards and many practices consumer groups find objectionable. ... (See Untouched)

Interest rates edge lower just ahead of CARD Act implementation -- With the Credit CARD Act's implementation just days away, experts say competition for prime borrowers may help keep rates steady. ... (See Rate report)

Want to avoid a rate hike? Don't carry a balance -- The best way to deal with a looming credit card interest rate hike is to not carry a balance on your credit card. ... (See APR)

Once secret credit card-college marketing deals to be revealed -- The credit card reform law requires disclosure of the highly lucrative agreements under which colleges were paid to let card issuers market their wares to students, alumni. ... (See Deals)

Era of readily available credit cards for young adults ends -- Students, once coveted by card issuers, now have fewer choices for obtaining credit. ... (See Era)

Do non-English-speakers have a chance in today's banking system? -- How much does the ability to speak English affect desire or ability to participate in the American banking system? That's what Congress aims to find out with a new study that was mandated by the Credit CARD Act. ... (See Study)

No payments, no interest -- not anymore! -- Traditional 'no interest, no payment' plans are going the way of the cassette tape, done in by a change in federal law that went into effect Feb. 22, 2010 ... (See Interest)

Video: Big changes coming to bad-credit credit cards -- The new credit card law -- much of which takes effect on Feb. 22 -- has provisions that protect people with bad credit. Specifically, the law limits fees on subprime credit cards. What other changes will the law bring for those with poor credit? ... (See Bad credit)

1 in 10 Americans has given up or had taken away credit cards in past 8 months -- A CreditCards.com poll shows that consumers' newfound frugality and card issuers' punitive actions have caused a mass migration away from credit cards. ... (See Give up)

Video: 5 smart moves to make before Feb. 22 -- Sweeping new credit card laws arrive on Feb. 22, 2010. But before that day, you might want to make one of these smart credit moves. ... (See Moves)

Tuning into your finances: How music impacts your money -- There's no denying music can rev up a workout routine, but did you know that music can have a significant impact on your finances, too? ... (See Tunes)

Interest rates mostly steady as credit card reform nears -- Interest rates on new credit card offers were little changed this week, according to the CreditCards.com Weekly Credit Card Rate Report, as the countdown continued toward implementation of major credit card industry reforms. ... (See Rate report)

Young adults slow to spot ID theft, survey shows -- The latest identity theft poll from Javelin Strategy & Research shows that despite their Web savvy, so-called millenials -- young adults between 18 and 24 -- take longer than other age groups to identity and resolves instances of ID fraud. ... (See Fraud)

3 common credit mistakes -- and how to fix them -- One credit mistake can easily lead to another and to another, as one reader found out the hard way. Her mistakes were common -- and easily avoidable. ... (See Mistakes)

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. ... (See Credit CARD Act of 2009)

Consider these options before co-signing for a card -- Considering co-signing for your son or daughter's credit card? Know that if you do, you'll bear as much legal responsibility for paying that debt off as he or she will. ... (See Co-signing)

Poll: Americans grumpy after parking their plastic over the holiday -- The holiday shopping season was a grumpy affair for many Americans who were struggling to downsize their credit card debt ... (See Poll)

Spiderlabs Study: Hotels a hot spot for credit card fraud -- Hackers looking to steal card data checked into the hospitality industry more than any other -- even more than financial service companies -- according to a study by Trustwave's SpiderLabs, an information security company. ... (See Credit card fraud)

Fed report: Consumer credit card balances keep plummeting -- Consumers slashed their credit card debt levels by more than $1,600 in 2009, according to the latest Federal Reserve data, and experts say a down economy will continue to leave borrowers with a distaste for debt. ... (See G.19)

Credit card interest rates soar; bad-credit borrowers hit hardest -- If you've got bad credit, brace yourself: The average interest rate for a new subprime credit card just shot sky high ... (See Rate Report)

Are you liable for late spouse's card debt? -- A widow being pursued by debt collectors wants to know if she is legally responsible for her late husband's credit card debts. The answer's not so simple. ... (See Liable)

Piggybacking is still an option, but proceed with caution -- If you're looking to help boost a FICO score, piggybacking as an authorized user on a spouse's credit card account remains an option. But if you're looking to pay to do it, you might be out of luck. ... (See Piggybacking)

Lending standards show signs of easing, Fed report says -- Having spent much of 2009 making it tougher for consumers to get credit, banks largely stood pat in the final three months of the year, according to data released Monday by the Federal Reserve. ... (See Lending)

Survey: Debt collection calls growing more frequent, aggressive -- A new survey reveals that debt collection calls have become more aggressive, and collectors are abusing laws that protect debtors. ... (See Collectors)

No change in credit card APRs this week -- Credit card interest rates were unchanged this week, as banks paused after pushing rates to heights not seen in more than two years. ... (See Interest rates)

Federal Reserve leaves interest rates unchanged again -- The Federal Reserve once again kept lending rates unchanged on Wednesday, as the central bank waits for clear signals the U.S. economic recovery has begun to accelerate. ... (See FOMC)

Affluent are more often victims of ID theft, report shows -- Wealthy consumers who enjoy leisure activities such as tennis, skiing and international vacations are top targets for identity thieves, according to a new report. ... (See Theft)

Credit card penalty rates can top 30 percent; how to avoid them -- Think it costs a lot to use your credit card now? Make a late payment and your interest rate could jump to more than 30 percent. ... (See Rates)

Get help ASAP when debt leads to suicidal thoughts -- Debt, no matter how high, is never a reason to end one's life. If credit card debt has spawned thoughts of suicide, get help from friends, family or professionals. ... (See Help)

Interest rates keep rising as credit card reform looms -- As new credit card legislation draws closer, interest rates continue to rise, according to CreditCards.com's Weekly Rate Report. ... (See Credit card interest rates)

How your credit utilization ratio is calculated -- The calculation of your credit score combines a wide-angle view of your total combined credit utilization -- including any authorized credit card accounts -- with a close-up view of each individual credit card account. ... (See Credit utilization)

Credit card interest rates hit highest level since 2007 -- The holiday from rate hikes has ended -- in a big way. Interest rates on new credit card offers skyrocketed this week to their highest levels since October 2007, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Fed report: Credit card balances plummet by nearly $14 billion -- Americans dumped a record $14 billion in credit card debt in November, according to Federal Reserve data, and experts say the debt shedding won't end anytime soon. ... (See G.19)

Nevada surpasses Tennessee as highest per capita bankruptcy state -- The average resident of the Silver State was eight times more likely to file for bankruptcy than the average Alaskan, 2009 bankruptcy data show.How does your state rank? ... (See Bankruptcy filings)

Bankruptcies soared 32% in 2009 -- A 'perfect storm' of unemployment and plunging house values sends filings up to highest level since a 2005 reform law went into effect. ... (See Bankruptcy)

Credit card interest rates drop once again -- Interest rates on new credit card offers fell again this week, according to the CreditCards.com Weekly Credit Card Rate Report, but the typical borrower may not benefit. ... (See Rate report)

Come clean about debts before they damage your relationship -- Our expert advises a young man to tell his fiancee of his credit woes now -- or risk doing a world of damage to his relationship with the most important person in his life. ... (See Secrets)

Credit card ads reflect changes in economy, public attitudes -- Gone are the days when credit card ads encouraged spending and more spending. They're here for us now; they feel our economic pain. ... (See Credit card ads)

Personal finance predictions for 2010: Your credit card -- Expect dramatic change in an industry roiled by recession, reform. Whether the net is good for consumers is unclear. ... (more)

Personal finance predictions for 2010: consumer spending -- In experts' views, the worst of the recession is behind us. But so, too, is America's nonchalance toward spending willy-nilly. ... (See Predictions)

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)

Personal finance predictions for 2010: Your debit card -- As credit cards continue to retreat, debit cards will evolve, advance ... (more)

Personal finance predictions for 2010: Rewards cards -- For years, card companies footed the bill for these expensive programs. In 2010, rewards will go on a diet of fees and frugality. ... (more)

Personal finance predictions for 2010: Phones become payment tools -- We may look back on 2010 as the year our cell phone became a pay phone. ... (more)

Personal finance predictions for 2010: Your paycheck -- One day, perhaps this year, your paycheck may disappear -- replaced by a prepaid card. ... (See Predictions)

Personal finance predictions for 2010: Housing's comeback -- Delinquencies predicted to level off, finally ending the bleeding that took us into a steep recession. ... (more)

Personal finance predictions for 2010: Your mail -- Credit card offers fell precipitously in the recession, but experts see a renewed flow in 2010. ... (See Predictions)

Personal finance predictions for 2010: ID theft -- Like wolves to injured prey, identity thieves are out to turn the recession struggles of average Americans to their own advantage. ... (more)

Personal finance predictions for 2010: Your kids -- The CARD Act crackdown on campus card promotions will likely have a chilling effect on how young adults obtain credit. ... (See Predictions)

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)

Credit card rates dip again, but more hikes likely coming soon -- Interest rates on new credit card offers declined slightly this week, although experts say that dip doesn't mean cardholders should expect borrowing on plastic to get cheaper anytime soon. ... (See Rate report)

Keeping New Year's resolutions: experts' tips -- Three in four Americans will make a financial-related New Year's resolution for 2010, a survey says. But will they keep it? We speak with four experts who offer tips for making -- and sticking to -- your goals for the new year. ... (See 2010)

How to read FICO's explanations of what's hurting your credit score -- Those recommendations you see on a credit report about how to improve your score are sometimes nothing more than stock responses and shouldn't be taken so literally. They aren't actually personalized to your exact situation. ... (See FICO)

How fast does your credit score recover from your goofs? -- If you make smart decisions, those old credit goofs will hurt your score less and less over time. How much less? Well, that's still a bit of a mystery. ... (See Recovery)

Credit card interest rates keep climbing higher -- Interest rates on new credit card offers climbed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks continue to charge cardholders more to carry a balance. ... (See Rate report)

Co-signed credit cards: Unloved option poised for comeback? -- Experts say they're a headache, issuers rarely offer it, yet the co-signed credit card may be making a comeback as a more-regulated industry searches for its lost profits. ... (See Comeback)

Federal Reserve again leaves interest rates unchanged -- The Federal Reserve left its lending rates unchanged again on Wednesday, and experts say it's likely to continue that plan until sizable numbers of unemployed Americans begin finding work. ... (See Fed)

'No payment, no interest' credit card deal? No way -- Make no mistake: If you've got a credit card with a balance, you've got a minimum payment to make each month. If you don't make it, you're asking for trouble. ... (See Minimums)

Improving a great credit score comes down to timing -- Bad timing can hurt even high credit scores. But if you watch when you pay your bills, that may help bump up your score a bit. ... (See Timing)

Credit card interest rates keep moving higher -- Credit card interest rates jumped slightly again this week, as banks continued to make it more and more costly for consumers to use their plastic. ... (See Rate report)

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)

Consumer credit card balances fall again, Fed says -- Credit card balances fell for the 13th straight month in October, according to Federal Reserve data. ... (See g.19)

Consumer credit card balances fall again in October, Fed says -- Credit card balances fell again in October, according to Federal Reserve data, leaving the average card-carrying American household with nearly $1,000 less in credit card debt than it had a year ago. ... (See g.19)

Credit card interest rates unchanged after holiday -- Credit card issuers took a holiday from raising interest rates this week, as experts began to see signs that consumers' access to credit may be starting to ease. ... (See Rate Report)

Decade-old credit mistakes shouldn't appear on your report -- A delinquent loan should no longer appear on your credit report if the loan's more than seven years old. But if it does, take steps to remove it ASAP. ... (See Mistakes)

Poll: Two of five parents giving adult children bailouts on debts -- Nearly 42 percent of people with adult children say they have paid off debts for their offspring at some point, according to a new CreditCards.com scientific poll. ... (See Bailout)

Frugality: Just a fad? Or will consumers keep saving after the recession? -- The tanking economy brought us recession chic. It became cool to clip coupons, throw potlucks and swap used items, but how long will it last? ... (See Spendthrifts)

Forecasters weigh in on new frugality -- Is the new frugality here to stay? Two economic forecasters debate whether American consumers will continue to cut corners or return to big spending. ... (See Frugal)

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)

BofA rate hikes push national average credit card APR higher -- Annual percentage rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, as Bank of America increased rates on two of its cards. ... (See Rate report)

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)

CreditCards.com survey: Retail credit cards boost rates, cut rewards -- Even more hard-hit than regular credit cards, retail cards are reducing reward programs and raising rates to compensate for their higher charge-off rates. ... (See CreditCards.com survey)

How going to jail impacts your credit -- Having zero-balance credit cards go unused during an 18-month prison sentence shouldn't cause a cardholder's credit to suffer -- unless the issuer decides to close the idle account. ... (See Jail)

Credit card APRs fall sharply, but you shouldn't get too excited -- Annual percentage rates on new credit card offers fell sharply this week, according to the CreditCards.com Weekly Credit Card Rate Report, but don't expect your APR to drop, too. ... (See Rate report)

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)

FICO reveals how common credit mistakes affect scores -- For the first time, the credit scoring firm discloses how many points a score will fall due to late payments or other errors. ... (See FICO score)

Credit card rates' ascent shows no sign of slowing -- It just keeps getting more and more expensive to be a credit card holder -- and analysts say there's little change in sight. ... (See Rate report)

Identity theft booms, even as thieves rely on old-fashioned methods -- Identity theft is booming again for the first time in years, and fraudsters are staying old fashioned and opting to go after your wallet or laptop, insurance giant Travelers reported. ... (See identity theft)

How many credit cards do you need? There's no perfect answer -- There's no single, easy answer for how many credit cards someone should have. After all, It's not the number of cards you have, it's what you do with them that matters the most ... (See How many credit cards?)

Banks continue to tighten credit card lending standards, Fed report says -- When it comes to tightening lending, the Fed survey of senior loan officers shows credit card issuers have gone from death grip to light squeeze. ... (See Survey)

Credit card balances fall sharply again -- Consumers have spent the past year living frugally, new Federal Reserve data shows -- and analysts say an anti-debt mindset isn't likely to change anytime soon. ... (See G.19)

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)

Rates steady this week, but banks keep tweaking other terms -- Banks may have left rates unchanged this week, but they nevertheless made some changes behind the scenes that could impact cardholders' pocketbooks ... (See Rate report)

Living off credit cards alone for a year is a terrible idea -- Credit cards were never meant to be used to replace income over a long period of time, and using them that way can bring big trouble. ... (See Debt)

Fed leaves rates unchanged again, stays positive about economy -- The Federal Reserve left its lending rates unchanged again on Wednesday, even as the central bank reiterated that the economy is on the mend. ... (See Fed)

Rise in delinquencies signals prolonged credit card woes -- Though charge-offs decreased during September, the credit card industry braces for an increase in noncollectable debt as delinquencies rise. ... (See Woes)

Opting out of APR increase doesn't have to impact your credit -- It's a common question these days: Will opting out of a rate increase hurt my credit? The answer isn't so clear-cut. ... (See Score)

Credit card interest rates push higher again -- APRs on new credit card offers inched up to 12.64 percent this week, says the CreditCards.com Weekly Credit Card Rate Report. This continues recent trends of rising interest rates this year, as banks continue to make moves ahead of a new card law. ... (See Rate report)

Uncle Sam wants you ... unless your credit stinks -- You may be ready to serve your country, but if your finances aren't in good shape, you might get washed out. ... (See Military)

Want a better FICO score? Step No. 1: Pay bills on time -- Paying your bills on time every time is vital, but it's just the start to building a good credit score. ... (See FICO)

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)

Credit card rates flat as banks look for other ways to boost profits -- Interest rates may be flat, but don't cheer yet: Banks are simply shifting their money-making strategies, experts say. ... (See Rate report)

Low credit score? Good luck getting a new credit card, study says -- Consumers receive far fewer credit cards than a year ago; those approved for cards have better credit scores, says a study by credit bureau Equifax. ... (See credit trends)

Don't let delinquent debt keep you from getting a mortgage -- Getting serious about buying a house someday? Those delinquent debts have got to go or your dreams of home ownership may remain just that -- a dream. ... (See Home)

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. ... (See Financial transactions)

Credit card APRs fall slightly, reversing recent rate-hike trend -- Credit card interest rates dropped slightly this week, after several banks made a commitment to abstaining from additional rate hikes. ... (See Rate report)

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)

Act fast to remove authorized users when your credit goes south -- Authorized users on your credit card account suffer when your credit hits the skids. Our expert shows how to remove those users to minimize the damage. ... (See Bad credit)

How to make sure your credit score is a FICO score -- Credit score seem just a bit too high? You may not have bought the ever-popular FICO score. But don't feel bad, our expert says. It's an easy mistake to make. ... (See FICO)

Bankruptcy filings on track to hit 1.4 million in 2009 -- Spurred on by high unemployment, bankruptcies have steadily climbed toward the level present before a 2005 reform law that was supposed to hold down filings. ... (See Bankruptcies)

Nevada holds onto 'top spot' for U.S. bankruptcies in 3rd quarter -- Residents of Nevada, Tennessee and Georgia remain most likely to file bankruptcy, according to third quarter 2009 statistics. How likely are the neighbors in your state to file for protection from debts? ... (See Bankruptcy filings)

As Americans tighten their belts, they adjust attitudes toward credit -- If buying on credit today were a card game, it would be Texas Hold 'Em. Consumers keep their credit cards close to their vests, leaving merchants to wonder if the newfound frugality is a fad or a bluff. ... (See Consumers)

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)

Major issuers' rate hikes send national average card APR higher -- Several credit card issuers raised interest rates this week, driving the national average annual percentage rate on new credit card offers upward for the third straight week to 12.64 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Nearly 100 charged worldwide in massive phishing scam bust -- The FBI has charged more than 50 defendants -- the most ever charged in a cybercrime case -- for allegedly conspiring to steal the identities of hundreds, possibly thousands, of Americans, the bureau announced Monday. ... (See Phishing)

Credit card balances fall by nearly $10 billion in August -- Credit card balances plunged by nearly $10 billion in August, according to new Federal Reserve data, marking the 11th straight month of decline amid an ongoing change in consumer and lender attitudes toward plastic. ... (See G.19)

States with laws requiring consumer notification of ID theft -- Until recently, if ID thieves stole your credit card data, you were kept in the dark. But a host of new state laws force firms to reveal what they used to keep secret ... (See Data breach notification)

American Express boosts national average credit card interest rate -- American Express this week raised annual percentage rates on several of its card offers, pushing the national average APR higher for the third time in four weeks. ... (See Rate report)

Study: Touch money and you feel less pain -- Sticking your hands in scalding water is less painful if first you've handled a stack of bills, researchers find. ... (See Brain)

Credit card video: College students react to new credit card laws -- Portions of a new law will affect how young adults get credit cards. The law, which will put age restrictions on credit cards and ban certain types of marketing from college campuses, takes affect February 2010. Our reporter talked to students at the University of Missouri and got their reactions. ... (See Students)

Prepaid cards replace checks as rebate payment of choice -- The next time you're due a rebate or refund, don't expect to receive a paper check. An increasing number of stores and manufacturers are opting to issue prepaid debit cards instead, and some consumers aren't happy about it. ... (See Rebates)

APRs rise, even after Fed leaves rates unchanged -- The Federal Reserve chose to leave lending rates unchanged earlier this week, but credit card issuers didn't follow suit. ... (See Rate report)

Consumers expecting holiday season to be a bit jollier -- Though consumers are less anxious about the recession hampering holiday festivities, analysts expect most will attempt to keep spending in check. ... (See Spending)

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)

Think you can't use that not-yet-activated credit card? Think again -- Until you call your issuer to officially activate it, your new credit card is useless and secure, right? Not necessarily. The startling truth is that many sail through a purchase without a problem. ... (See Activating)

Wealthiest consumers still unwilling to spend -- Americans are still hesitant to spend. Even consumers earning some of the highest incomes are unwilling to reopen their wallets. ... (See Consumer spending)

Credit card rates steady as banks struggle with uncertain economy -- Amid mixed economic signals, banks kept interest rates unchanged on credit cards offers this week at 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

The biggest losers (of debt): How a family shed $106,000 in debt -- Five years ago, this New Richmond, Wis., family was drowning in debt. They licked it through frugality, determination and hard work. Here's how. ... (See Drowning)

Credit card video: How many students have cards? How do they use them? -- College is a time when many young people are first introduced to credit cards. In this video sampling of students, some enjoy the advantages cards offer, others fret about debt traps. ... (See Video)

Credit card video: New rules for credit cards on campus -- CreditCards.com talked to students at the University of Texas at Austin to get their reaction to upcoming laws that limit credit card access for people under 21 years of age. ... (See Video)

Going to your parents for a loan? Hit up Dad first, poll says -- According to a new poll conducted by Gfk Roper for CreditCards.com, male parents are 15 percent more likely to pay off $20,000 or more of their kids debt. ... (See Dad)

After a pause, credit card interest rates resume upward march -- After staying flat the previous week, the national average interest rate on new credit card offers rose to 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Consumer credit plunges record $21.5 billion in July -- Consumer debt fell by an unprecedented $21.5 billion in July, according to new Federal Reserve data, as consumers continued to shy away from borrowing in the recession. ... (See G.19)

Credit card APRs steady, though banks are tweaking other terms -- Even as banks continue to tinker with their business models in reaction to new credit card legislation, the national average annual percentage rate on new credit card offers was unchanged this week at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Personal finance boot camps fight debt with hard-nosed approach -- They're probably never going to force you to scrub the latrine, hike for miles in the driving rain or call you a maggot, but personal finance boot camps promise to use some tough love to help you gain control over your finances and debt once and for all. ... (See Boot camp)

Consumers' economic confidence grows, but nervousness lingers -- The latest Discover U.S. Spending Monitor survey says that although consumer economic confidence grew in August, more than half of consumers say they plan to cut back on unnecessary spending -- such as going out to dinner and movies -- in the month ahead. ... (See Confidence)

J.D. Power survey shows growing number of people dissatisfied with credit cards -- The latest J.D. Power and Associates credit card satisfaction survey found that overall credit card satisfaction plunged to a record low – only 703 on the 1,000-point scale. ... (See Survey)

Credit card video: The basics of credit scoring -- Jeremy Simon, staff reporter with CreditCards.com, explains the ins and outs of credit scores and credit reports. ... (See Video)

After run of rate hikes, banks leave APRs unchanged -- Banks paused this week following a recent run of interest rate increases, leaving the national average annual percentage rate on new credit cards unchanged at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card charge-offs, delinquencies reverse upward trend -- Credit card charge-offs and delinquencies showed first signs of slowing down in July 2009. ... (See Moody's)

Help with credit card debt -- Whether you're trying to dig out from under debt or just avoid it in the first place, our Credit Card Help section can help you make better decisions ... (See Debt)

8 myths about settling credit card debt -- Before you decide to try debt settlement, make sure you know the difference between common myths -- and the truth ... (See Debt settlement myths)

Know your rights under the Fair Debt Collection Practices Act -- Experts say consumers should face the facts and deal with debt collectors, but also know and understand their consumer rights and protections ... (See Debt collection)

Debt collectors' ethics codes -- Associations of debt collectors try to curb abuses in the collections industry ... (See Ethics)

A guide to navigating through bankruptcy -- If you're among the growing number of people considering bankruptcy, this package of news articles, tips and statistics will help to get you through ... (See Bankruptcy)

Credit card video: Credit CARD Act to bring big changes -- Connie Prater, senior writer for CreditCards.com, discusses a few of the major provisions in the Credit Card Act of 2009. ... (See Video)

Fed report: Lenders again tighten credit card loan standards, but not as much -- Credit card issuers again cut credit in the second quarter of 2009, as did lenders of many kinds, according to the latest data from the Federal Reserve. ... (See Tighter)

Credit card charge-offs, delinquencies hit all-time high -- The second quarter closed with the highest consumer credit card delinquency and charge-off rates since the Federal Reserve began tracking data on the subjects. ... (See Record)

Study: Financial fears not enough to change behavior -- Many, particularly the young, are reluctant to change financial ways, despite recession. ... (See Financial habits)

Fed again leaves interest rates at historic low -- In an effort to preserve what analysts deem a fragile recovery, the Federal Reserve has again left interest rates unchanged. ... (See Fed)

Economic optimism falls for first time since February -- Instead of hoping for financial freedom at the end of the tunnel, most are seeing a never-ending train ride of debt and unemployment, new data reveals. ... (See Consumer confidence)

Consumer credit card balances plummet -- Credit card balances fell once again in June, according to the latest data from the Federal Reserve, as consumer spending and access to credit remained under pressure. ... (See G.19)

Will there be a global credit score someday? -- Imagine all the people of the world united -- under a single credit scoring model. Depending on whom you ask, the concept of a global credit score is either a far-fetched pipe dream or an eventual reality. ... (See Global)

How credit scoring varies around the world -- Dominant in the U.S., the FICO credit score doesn't hold the same status worldwide. That leaves many international lenders looking to local versions of credit scoring models to help judge risk. And the differences from nation to nation can be great ... (See Scoring)

Substantial debt may arise from unlikely sources -- Most Americans attribute their most bothersome financial burdens to medical costs, eating out and entertainment. However, the worst debt may arise due to other less-recognized reasons. ... (See Credit card debt)

Implantable credit card RFID chips: convenient, but creepy -- Forget the science of it -- and yes, it does work remarkably well. Forget the convenience of it. Forget that similar identifying technologies, from bar codes to mag stripes, overcame similar obstacles and are now ubiquitous. RFID implants face a hurdle the others did not: It's icky. ... (See RFID)

Decline in credit card mailings slows -- After months of decline, recent data show banks have begun reconsidering card offers. Synovate, which tracks credit card direct mail, reports that U.S. households received 349.1 million offers in the second quarter -- down just 6 percent from the first quarter ... (See Credit card mailings)

Credit card APRs jump for 4th time in 5 weeks -- Following a brief pause last week, the national average annual percentage rate on new credit card offers rose for the fourth time in the past five weeks to 12.06 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Survey: Credit card, collection complaints growing quickly -- The nation's fastest growing consumer complaints involve aggressive collection tactics for credit card and many other debts, says a survey released Thursday. ... (more)

Study: In romance, big spenders seek big savers and vice versa -- A study reveals that when it comes to money habits, opposites attract, with big spenders attracted to big savers and vice versa ... (See Attraction)

Americans rank high for credit card frugality -- Americans ranked highest among eight major countries in terms of limiting credit card purchases in an attempt to save. ... (See American thriftiness)

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. ... (See Credit card rewards)

Poll: Credit card issuers punish cardholders, but pursue a few -- Credit card issuers have punished two of every five cardholders by acts such as rate increases, but a few have been rewarded, says a CreditCards.com poll. ... (See Whacked)

Proving your worth: How entrepreneurs can qualify for credit -- As credit lines tighten, or even disappear, small-business owners are turning to credit cards for survival. But getting approved for plastic is harder than ever. ... (See Qualify)

United States credit cards -- Our ongoing series moves to the United States, where the most sweeping credit card industry reforms in decades were passed in May 2009. ... (See U.S.)

After weeks of increases, credit card APRs finally stand still -- Ending a streak of three straight weekly APR increases, the national average interest rate on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. Just don't expect it to last. ... (See Rate report)

Fed bank regulator's report says national banks still tightening lending standards -- A report from the Office of the Comptroller of the Currency shows shows no banks easing credit card standards while 68 percent are tightening up. ... (See Credit card lending)

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)

Bankruptcies per capita, all 50 states, 2007-2009 -- Nevada jumped Tennessee to become the leader in per capita bankruptcy for 2009. Where does your state rank? ... (See Broke)

Bankruptcy filings return to pre-reform-law pace -- Largely due to the recession, a 2005 law clamping down on filing had only temporary impact. ... (See FIlings)

Credit card video: How to opt out of an APR increase -- The Credit Guy -- Todd Ossenfort of Pioneer Credit Counseling -- explains how to opt out of changes to your credit card agreement, specifically changes to your APR ... (See Rate increase)

Credit card APRs rise for third straight week -- Borrowing money on a new credit card continues to become increasingly expensive, as banks work to protect themselves from a weak economy. ... (See Rate report)

CreditCards.com poll: Americans losing sleep over finances -- More than two out of three Americans are losing sleep because of financial worries, according to a new CreditCards.com poll. ... (See Insomnia)

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)

Study: Your brain may be causing your financially risky choices -- A new study suggests you may be predisposed to make risky financial decisions by the same part of your brain that contributes to gambling and shopping addiction. ... (See Brain)

How your financial choices and your brain interact -- This interactive demonstrates how the financial choices we make can be risky or conservative, depending on how one part of your brain -- the ventral striatum -- is wired. ... (See Financial decisions)

Discover Spending Monitor: Consumers hold back on discretionary spending -- Consumer spending on discretionary items is expected to diminish due to perceptions that more money will be necessary for groceries and gas in the coming months. ... (See Index)

Credit card interest rates keep moving higher -- The cost of using credit cards continues to rise, giving consumers yet another reason to keep their plastic in their wallets. ... (See Rate report)

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. ... (See Car rentals)

Credit card balances keep falling, Fed says in May's G.19 report on consumer credit -- Credit card balances continued their downward spiral in May, according to the latest data from the Federal Reserve, as cardholders remained hesitant to carry any unnecessary debt during the ongoing recession. ... (See G.19)

24 hours of credit card tweets on Twitter -- To find out what Internet users think about plastic, CreditCards.com read and evaluated 24 hours' worth of tweets about credit cards on the social networking site Twitter. ... (See Twitter)

Credit card issuers dip a cautious toe into social media -- Credit card companies have made only tentative steps into the social media fray. But while you’re talking on sites such as Twitter, LinkedIn, and Facebook, they’re listening in -- and planning their next steps. ... (See Antisocial)

Credit card interest rates rise ahead of new law -- Regulations plus recession make card issuers pull the APR trigger and hike cardholders' rates. ... (See Rates rise)

Is your credit card making you sick? Swine (H1N1) flu germs and plastic -- It may not be just that late fee that's making you feel ill: Flu viruses can last for hours -- even weeks -- on plastic surfaces. ... (See Sick)

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

Study: Credit card statements 'virtually incomprehensible' -- Research finds that indecipherable credit card statements aren't just an American problem; they cause head-scratching worldwide. ... (See Study)

CreditCards.com's Weekly Rate Report: Rates barely lower -- The national average annual percentage rate on new credit card offers edged barely lower this week, according to the CreditCards.com Weekly Credit Card Rate Report, but analysts expect interest rates to rise in the not-too-distant future. ... (See Rate report)

Fed again holds rates steady, but change may come soon -- Although, as expected, the Federal Reserve didn't boost interest rates with its latest monetary policy announcement, analysts say it is only a matter of time before the Fed hikes its key lending rate. ... (See Fed)

Credit cards around the world -- Credit cards have spread around the globe, but the differences in how they're offered illustrate differences between cultures. ... (See World)

Credit card personalization: Does Spaghetti Jimmy really win? -- Credit issuers are jumping aboard card personalization trend, convinced family pics on plastic will cause consumers to pull out the card more often. ... (See Jimmy)

How Dad affects your debt, financial decisions -- New research finds that a father's advice, or lack of it, influences their children's money behavior later. ... (See Dad)

CreditCards.com's Weekly Rate Report: Rates unchanged -- Credit card interest rates didn't move this week, but experts say recently introduced laws and an eventual economic recovery likely mean higher credit card APRs in the not-too-distant future. ... (See Rate report)

Experian: High credit score increases likelihood of ID theft -- Having a high credit score makes it easier -- and cheaper -- for you to borrow money. But according to a new report from credit bureau Experian, that high score also makes it easier for identity thieves to secure stolen credit in your name. ... (See ID theft)

Think you're a credit expert? Take our quizzes and prove it! -- Are you a credit expert? Or maybe you don't know an APR from NPR or CPR. Whichever side you fall on -- or if you're somewhere in the middle -- you can test your knowledge of credit in our quizzes ... (See Quiz)

Fed G.19 consumer credit report shows spending falls again -- As the recession and layoffs continue to take their toll, consumers respond by ditching debt. ... (See Credit)

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)

Big credit card losses continue to dog U.S. banks -- The banking industry has 3.4 billion reasons why credit card debt is proving to be a major pain in its neck. ... (See Debt)

Credit card mail offers with annual fees on the rise -- Once nearly extinct for people with good credit, card offers with annual fees are rebounding, research firm Synovate says. ... (See Fees)

Study: Credit cards don't increase spending -- Paying with credit cards instead of cash may in fact not cause consumers to spend more, according to a new study from Carnegie Mellon University. The study goes against current popular theory that people who buy with plastic tend to overspend. ... (See Study)

How does America's credit card debt stack up? -- Americans' credit card debt escalated to unprecedented heights as the economic crisis unfolded. CreditCards.com took various statistics on that debt and converted those amounts into $1 bill stacks. ... (See Card debt)

Credit card video: Balance transfers and your credit -- The Credit Guy -- Todd Ossenfort of Pioneer Credit Counseling -- explains what a balance transfer is and how it can affect your credit. ... (See Balance transfers)

NSBA: Small businesses hurt by credit card terms -- As small business owners become more dependent on credit cards, they are also simultaneously being crunched by the tightened credit market, according to the National Small Business Association (NSBA), an advocate organization for American entrepreneurs. ... (See Credit)

Your credit card has a carbon footprint -- A credit card's footprint is roughly the CO2 equivalent of five bank checks, 13 dollar bills -- or the gas to drive a Hummer 150 feet. ... (See Carbon)

Job fears keep credit card balances falling -- Credit card balances fell further in March, based on the latest data from the Federal Reserve, as cardholders opted to save their money rather than spend on plastic. ... (See G.19)

Fitch: Card delinquencies rise; show signs of slowing -- Credit card losses resulting from rising unemployment and mounting delinquency once again reached record levels in April 2009, according to most recent Credit Card Index report from Fitch Ratings. ... (See Fitch)

Lending standards keep tightening, Fed says -- It didn't get any easier to borrow on credit cards at the start of this year, based on the Federal Reserve's quarterly loan officers' survey released today. ... (See Loan survey)

If pandemic strikes, will banks, credit cards still work? -- If the swine flu goes pandemic, will your credit card issuer be ready? If it's not, it could mean empty ATMs, disrupted customer service and other such headaches for consumers. For banks, failure to prepare could mean losses of billions of dollars. ... (See Pandemic)

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)

Credit card charge-offs, delinquencies break records again -- Rising unemployment continued to punish credit cardholders last month, according to a new report from Moody's, as both charge-offs and delinquencies reached record highs. ... (See Charge-offs)

6 ways to maximize hotel rewards -- Hotel reward points can help you get more vacation for your buck this year, especially if you take advantage of loyalty program incentives and partnerships between credit card companies, hotels, airlines and retailers. Here are a few tips. ... (See Hotel )

Javelin study: Consumer trust affects credit credit card use -- According to a recent study by Javelin Strategy & Research, consumers' trust level with their financial institution is tied to often they use their credit card. ... (See Trust)

Is the American love affair with credit cards over? -- It's no surprise that many consumers are unhappy with credit card companies, but their unhappiness may lead to long-term behavioral changes ... (See Change)

Egg or sperm donation, medical experiments: Struggling consumers go to extremes to tackle debt -- You've given blood, sweat and tears to pay off those credit card bills, but what about your sperm and eggs? In tough times, some consumers see cash offered by participation in medical tests, sperm and egg donation as a viable way to attack card debt. ... (See Extreme)

Study: 'The war on phishing is far from over' -- More consumers were victims of phishing attacks in 2008 -- a 39.8 percent increase from a year earlier -- but the average amount lost decreased, according to a survey conducted by technology research company Gartner. ... (See Fraud)

Follow CreditCards.com on Twitter! -- CreditCards.com's editorial team is on Twitter. Check out the latest tweets from Tweeter-in-Chief Daniel P. Ray (aka TakingCharge) or any of the other CreditCards.com staffers listed below. We promise to keep you informed and have some fun along the way ... (See Twitter)

Study: Credit card fraud Americans' biggest fear -- New data say credit card and debit card fraud is the No. 1 fear of Americans, outweighing those of war, terrorism, computer hacking and epidemics. ... (See Fraud)

Sallie Mae study finds undergraduates relying heavily on credit cards -- With the recession deepening and tuition skyrocketing, college students are looking to their credit cards and amassing debt at record levels, according to a study by Sallie Mae. ... (See Sallie Mae study)

Federal Reserve's February 2009 G.19 report on consumer credit shows biggest drop in 31 years -- Credit card balances suffered their biggest percentage drop in more 30 years in February, according to the latest Federal Reserve data, as consumers responded to the recession by reducing their reliance on plastic. ... (See G.19)

Federal Reserve's February 2009 G.19 report on consumer credit -- Credit card balances declined in February, according to the latest Federal Reserve data, as consumers avoided making all their purchases on plastic even as mounting job losses curtailed incomes. ... (See G.19)

Group issues standards for fair credit cards -- Raised interest rates on nearly one-quarter of credit cards cost consumers more than $10 billion in 2008, one of the many damages of unfair credit practices the Pew Charitable Trust said it hopes to prevent through a list of standards the company released March 31. ... (See Pew)

FDIC: Overdue loans on the rise -- FDIC data shows that every state experienced an increase in unpaid loans from 2007 to 2008. Use this graphic to find out how your state performed. ... (See In the red)

Credit Card Help: 10 worst credit card mistakes -- Making these 10 mistakes will turn good credit into bad and bad credit into lenders-won't-go-near-you credit. ... (See Mistakes)

Credit card charge-offs reach 20-year high in February -- Credit card charge-offs hit a 20-year high in February, Moody's reports. The agency blames soaring unemployment numbers, and expects charge-offs to reach double digits this year. ... (See Rate)

Credit card video: The basics of debt settlement -- A credit counselor discusses what debt settlement is and how it can help or hurt you. ... (See Credit card video: The basics of debt settlement)

FICO scores stable despite slashed credit limits, study says -- Nearly 20 million consumers had their credit lines reduced or eliminated over a six-month period in 2008 through no fault of their own, but credit scores overall were largely unaffected, according to a recent study by credit scoring giant FICO ... (See FICO)

Are credit card rewards taxable? Probably not, but ... -- The IRS has indicated that it does not presently view rewards such as frequent flier miles as income, and therefore they're not taxable. ... (See Taxable?)

Credit card interest rates - interactive graphic on APR changes -- Since coming under financial pressure, credit card issuing banks have stopped passing along rate cuts from the Federal Reserve, CreditCards.com data show ... (See Credit card interest rates)

New survey finds most common ID theft victims -- The most common identity theft victims are middle-aged married females, divorcees, or those who make more than $75,000 a year, according to a December 2008 survey released by Nationwide Insurance. ... (See ID theft)

U.S. credit card defaults reach 20-year high -- Credit card defaults -- the failure to make a payment on a debt by the due date -- sprouted in February to a 20-year-high. ... (See Defaults)

Study of credit card binding arbitration says the practice is fair to consumers -- Northwestern University School of Law's Searle Civil Justice Institute's study says arbitration -- at least as practiced by the one group that was studied -- is fair to credit card users. ... (See Arbitration)

Credit card video: Credit card debt warning signs -- A credit counseling expert discusses signs that might indicate you're in trouble with credit card debt. ... (See Credit card debt video)

Credit card video: 6 tips to protect yourself from ID theft -- Identity theft is a huge problem these days. Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling, offers helpful, practical tips to keep yourself safe. ... (See ID theft video)

Credit card video: Debt collectors now more willing to deal -- You'd think that debt collection would be booming these days, but even debt collectors are having trouble. They're more willing to cut deals, accept alternate payment plans. ... (See Debt collection video)

Credit card video: The perils of sharing a credit card -- Connie Prater, senior writer at CreditCards.com, talks about the results of the 2008 Taking Charge survey, focusing on sharing credit cards. ... (See Credit card sharing video)

Credit card video: The basics -- College students discuss their understanding of basic credit card terms - APR, Interest Rate, what happens if you miss a payment and how long it would take to pay off a purchase. ... (See Credit card basics video)

Credit card video: Getting the most from rewards cards -- Want to get the most out of that rewards credit card but aren't sure how to do it? Credit counseling expert Gail Cunningham shares practical tips to help you do just that. ... (See Rewards card video)

Credit card video: Holiday shopping tips -- As the holidays approach, there are many ways consumers can prepare for shopping. Before hitting the malls, beware of debt regret, don't forget buying options such as layaway and make sure you call your credit card company to find out what warranties you may already have ... (See Holiday shopping video)

Credit card video: A look at student credit cards -- CreditCards.com editors Dan Ray and Connie Prater talk about student credit cards. ... (See Student credit card video)

Credit card video: Credit card rewards and incentives -- College students discuss credit card rewards programs including airline miles, free pizza, cash back offers, percentage off purchase, and more. ... (See Rewards cards vide)

Credit card video: Benefits of having a credit card -- College students discuss the benefits of owning a credit card, including convenience, as a backup source of money and for dealing with emergencies. ... (See Credit card benefits video)

Credit card video: What is a credit utilization ratio? -- A finance expert explains what a credit utilization ratio is and how it affects your credit score. ... (See Credit card videos)

Credit card glossary terms to know when you're in debt -- Experts advise to always pay off your balance, don't spend more than you have and keep your credit balance well below 50 percent of your available credit. ... (See Debt)

Credit card delinquencies fell year to year, TransUnion says -- Although recent data showed an annual decline in credit card delinquencies during late 2008, that trend is likely already over. ... (See Delinquencies)

Federal Reserve's January 2009 G.19 report on consumer credit shows jump in spending -- Credit card balances rose in January, according to the latest data from the Federal Reserve, as workers saved their incomes and the unemployed were forced to live on plastic. ... (See G.19)

Federal Reserve's January 2009 G.19 report on consumer spending -- Credit card balances rose in January, according to the latest data from the Federal Reserve, as consumers had difficulty paying down debt in a troubled economy. ... (See G.19)

Credit card fraud victims more likely to recover losses -- Five percent of Americans were victims of financial fraud in 2008, but those who had money stolen from credit and debit cards were more likely to recover their losses. ... (See Fraud)

Credit card charge-offs hit record high in January -- Banks increasingly abandoned their attempts to collect money from delinquent credit cardholders in January, according to research and risk analysis firm Moody's. ... (See Bad debt)

ID theft, debt collection top list of consumer complaints -- In the Federal Trade Commission's 2008 compilation of consumer gripes, ID Theft ran first for the ninth straight year, and complaints about credit cards jumped into the top 20. ... (See Consumer complaints)

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)

Your future in the cards: What will credit cards look like in 25, 50 or 100 years? -- Your future in cards will probably not include plastic, experts say. ... (See Future)

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)

Average credit card balances rose to $7,300 in 2007, Fed survey says -- The Federal Reserve released its triennial look at Americans' finances. Seven in 10 households have credit cards, but nearly half carry balances each month ... (See Balances)

From 'Gossip Girl' to 'The Stand': 8 novels show how credit cards appear in fiction, novels -- Whether it's "Gossip Girl," "Twilight" or "The Stand," popular works of fiction have shone a light on how we handle credit cards and debt. ... (See Credit card novels)

Federal Reserve's December 2008 G.19 report on consumer spending -- Consumers sharply reduced their credit card balances in December, according to monthly data from the Federal Reserve, as even the holidays weren't enough to drive spending on plastic. ... (See G.19)

Federal Reserve's December 2008 G.19 report on consumer spending -- Consumers sharply reduced their credit card balances in December, according to monthly data from the Federal Reserve, as borrowers paid for fewer expenses with plastic. ... (See G.19)

Research: Direct mail credit card offers plummeted in 2008 -- Those offers that did go out went mainly to the wealthy, according to Mintel Comperemedia research. ... (See Card offers)

Fitch: Credit card late payments hit record high, charge-offs spike -- Fitch Ratings reports that the recession is taking its toll on credit cardholders, as a record number of them pay their bills late. ... (See Credit card delinquencies)

Fed report: Banks continue to tighten lending standards -- Banks remain hesitant to extend credit to consumer borrowers, according to the results of the latest Federal Reserve survey of senior loan officers, with more than half of lenders saying they tightened their credit card lending standards in the last three months of 2008. ... (See Lending)

Poll: 1 in 3 resolve to slash debt this year -- About 1 in 3 consumers resolved to reduce their debt in 2009, based on New Year's resolutions outlined in a new poll from CreditCards.com. Still, Americans are more committed to spending time with family and losing weight than erasing their debt. ... (See Debt)

Poll: Holiday spending less pleasant for consumers -- A new CreditCards.com poll shows two out of five Americans report less pleasant holiday shopping than last year. ... (See Shopping)

How to replace a lost, stolen gift card (or return an unwanted one) -- 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 Returning, replacing gift cards)

Your credit card is a tattletale: With electronic payments, little is private -- Credit card issuers have access to a wealth of information about where you shop, how much you spend and how often. Increasingly, they use that data to change your access to credit. ... (See Privacy)

Credit card statistics, debt statistics, industry facts -- Credit card statistics, surveys and research from a variety of sources, all cited, making fact-checking and research easy ... (See Credit card statistics)

Federal Reserve's November 2008 G.19 report on consumer spending -- Credit card balances plunged in November, as consumers strongly reined in their borrowing. ... (See G.19)

Breaking news: Federal Reserve's November 2008 G.19 report on consumer spending -- Credit card balances shrank in November, as concern over banks' strict lending standards caused consumers to rein in their spending. ... (See G.19)

Statutes of limitation for credit card debt collection, all 50 states -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states, plus the District of Columbia ... (See Statutes of limitation for credit card debt)

Duplicate of State statutes of limitation for credit card debt -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states, plus the District of Columbia ... (more)

7 irrational credit card fears (and 7 REAL worries) -- Are you or someone you know afraid to use -- or even obtain -- plastic? Sure, credit cards come with a series of essential cautions, but overall they are safe and useful financial management tools. ... (See Fears)

Best credit card stories of 2008 -- The year 2008 saw unprecedented change in the credit card industry, turning card debt from convenient friend into everyone's enemy. These are the top 10 stories that helped chronicle it. ... (See 2008 review)

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)

Your monthly credit card statement gets a makeover -- Credit card issuers have begun to roll out new monthly statements to their customers. The makeovers were required by new federal rules that take full effect July 1, 2010. ... (See Changes)

Understanding credit card minimum payments -- Your credit card's minimum-payment-due amount can be a mysteriously shifting figure that makes a significant impact on the monthly budget. We'll help you solve the riddle. ... (See Minimum)

Fed slashes benchmark interest rate to record low -- It was largely a symbolic move, but the Federal Reserve today cut a key short-term interest rate to its lowest level in history. Just don't expect it to have much impact on your credit card's APR. ... (See Rate cut)

Fed cuts key interest rate to record low -- In what was largely a symbolic move, the Federal Reserve today cut interest rates to their lowest level in history. That decision is not expected to have much impact on annual percentage rates for credit cards. ... (See Rate cut)

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)

Federal Reserve's October 2008 G.19 report on consumer spending -- Credit card balances shrank in October, as the tightening of credit by banks and limited consumer budgets made it more difficult for cardholders to put charges on their plastic. ... (See G.19)

Breaking news: Federal Reserve's October 2008 G.19 report on consumer spending -- Credit card balances shrank in October, as the tightening of credit by banks made it more difficult for consumers to put charges on their plastic. ... (See G.19)

10 tips for graduating from subprime to prime credit cardholder -- While most people wisely avoid subprime cards -- which feature low credit limits, high annual fees and sky-high annual percentage rates -- they are one of the best ways for consumers boost their credit before graduating to a more attractive card, experts say. ... (See Prime)

Banks focus mailings on current customers, not new ones -- Fearful of taking on more risk in today's economic environment, banks are choosing to focus on keeping current credit card customers rather than acquiring new ones, according to direct mail data from Chicago-based Mintel Comperemedia. ... (See Mailings)

10 creative -- or desperate -- uses for credit cards -- The pieces of plastic in your wallet are good for more than spending. In a pinch, they can scrape ice from a window, pick a guitar and more. ... (See Ice scraper)

Chilean credit cards -- Our ongoing series moves to South America where we visit Chile. ... (See Chile)

$5.3 billion in stolen credit card info up for grabs -- Despite tough economic times on Wall Street, the economy of stolen credit cards and bank account information is booming. According to a report released Nov. 24 by Symantec, stolen credit card info with a potential value of $5.3 billion was available on web forums and chat ... (See Stolen cards)

Canadian credit cards -- Our ongoing series moves to Canada, where the average adult Canadian has two or more credit cards. ... (See Canada)

Filipino credit cards -- Our ongoing series moves to The Philippines. ... (See Philippines)

Fed: Delinquency rates edged downward in Q3 -- Credit card delinquencies were down and charge-offs up slightly during the third quarter of 2008, according to the latest banking industry figures released Tuesday by the Federal Reserve Board. ... (See Report)

Switzerland credit cards -- Our ongoing series moves to Switzerland, the country that is synonymous with all things banking. ... (See Switzerland)

Israel's credit cards -- Our series moves to Israel. ... (See Israel)

Indonesia credit cards -- Our series moves to Indonesia. This Southeast Asia nation is the largest Muslim nation -- and world's fourth largest overall -- in terms of population. It's still mostly a cash-driven society, but the credit card business is definitely growing steadily. ... (See Indonesia)

Compare credit card rental car insurance coverage: Policies vary widely -- Credit card companies' policies vary sharply, so don't always be quick to turn down rental car agencies' optional coverage. ... (See Rental car)

Turkey credit cards -- Our series moves to Turkey, a growing nation that's struggling with astronomical credit card interest rates. ... (See Turkey)

Argentina credit cards -- Our series moves to Argentina for a look at how credit cards are used in this vibrant South American nation. ... (See Argentina)

Fed report: Banks tighten lending standards even more -- Lenders are sharply tightening standards, by cutting credit limits and increasing minimum payments and required scores. ... (See Cuts)

Surveys say: Americans report cutting back spending, debt -- Recent polls conducted by three different groups echo CreditCards.com "Taking Charge" survey: consumers are adapting to changing economy. ... (See Economy)

Saudi Arabia credit cards -- Our series moves to Saudi Arabia. This wealthy, oil-rich nation is slowly beginning to embrace the use of credit cards, like much of the world, but some of its traditions and customs are making their transition a bit more challenging than others. ... (See Saudi Arabia)

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)

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)

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

Credit card survey: They're not status symbols, they're just plastic -- Advertisements try to persuade us otherwise, but almost no one puts any weight in the brand or appearance of their credit cards, according to a new national survey. ... (See Branding)

China credit cards -- Our series moves to China, the world's most populous nation. It's a place that drew the eyes of the world during the 2008 Summer Olympics and is experiencing a credit card boom that is almost beyond belief. ... (See China)

Russia credit cards -- Our series moves to Russia, where credit cards are becoming more popular in a traditionally cash-driven society. ... (See Russia)

Colombia credit cards -- Our ongoing series heads to Colombia for a look at credit card use and credit card statistics in this sometimes-troubled nation. ... (See Colombia)

Moody's: Credit card charge-offs rise 48 percent in August '08 -- Moody's Investors Service reports that credit card charge-offs rose 48 percent in August 2008, and it expects charge-offs to continue to rise throughout 2009. ... (See Moody's)

Nigeria credit cards -- Our ongoing series heads to Nigeria for a look at credit card use and credit card statistics in this African nation. ... (See Nigeria)

South Korea credit cards -- Our ongoing series heads to Asia for a look at credit card use and credit card statistics in South Korea. ... (See South Korea)

Three years later, bankruptcy law fails to quash filings -- On the third anniversary of bankruptcy reform law, critics wonder how much bankruptcy filings will grow in economic downturn. ... (See Bankruptcy)

Bankruptcy filings, state by state, 2005-2010 -- Interactive map shows rate of each state's bankruptcy filings, and how the pace fell off a cliff in 2005, then rebounded. ... (See Bankruptcy map)

Study: Delinquencies ramping up for those who took out mortgages recently -- It used to be that homeownership was a mark of stability, a factor that lenders took into account by opening their vaults a little wider to those who had mortgages. No more. ... (See ARMs)

August 2008 G.19 report from Federal Reserve on consumer spending -- The Federal Reserve's G.19 report, a key measure of consumer spending, showed consumers slowed their spending for the first time in a decade. ... (See G.19)

Brazil credit cards -- Our ongoing series heads to Brazil for a look at credit card use and credit card statistics in the soccer-mad home of Carnaval and supermodels. ... (See Brazil)

Mexico credit cards -- Our ongoing series heads to Mexico for a look at credit card use and credit card statistics in the United States' neighbor to the south. ... (See Mexico)

What credit card users need to know to survive the 2008 credit crunch -- Experts advise credit card users to pay down credit card debt and wean themselves off of credit card spending. ... (See Cash only)

India credit cards -- Our ongoing series heads to India for a look at credit card use and credit card statistics in one of the world's fastest growing countries. ... (See India)

Job losses pushing up credit card debt delinquencies -- The American Bankers Association's Economic Advisory Committee predicts a mild recession during the closing months of 2008; job losses are fueling credit card debt delinquencies. ... (See Jobs)

Australian credit cards and statistics -- Our ongoing series heads Down Under for a look at credit card use and credit card statistics in Australia. ... (See Australia)

Credit card debt up, delinquencies down in Q2, report says -- Americans had more average credit card debt and delinquencies were down slightly during the second quarter of 2008. ... (See Q2 debt report)

Credit cards around the world: South Africa -- The first in a series showcasing information about credit card use in nations throughout the world. We begin with South Africa. ... (See Global card use)

Fed's G.19 report shows card debt rose slightly in July -- Credit card balances increased in July, according to new figures released by federal banking regulators. That slight uptick is due to the fact that economic woes are making it more difficult for cardholders to pay off existing balances, according to analysts. ... (See Credit card debt)

Identity theft sample letters -- If you've been a victim, this step-by-step guide and set of printable letters can help retrieve your name. ... (See ID letters)

American Express tops customer satisfaction chart in J.D. Power survey -- J.D. Power 2008 customer satisfaction survey ranks the top 18 credit card issuers. ... (See Satisfied)

Poll: Snooping and arguments go along with joint credit -- Sharing a credit card account? Expect arguments, snooping and maybe canceling a card, says a new CreditCards.com poll. ... (See Strife)

Graphs: Snooping and arguments go along with joint credit -- Graphs of CreditCards.com 'Taking Charge' survey on sharing credit card accounts. ... (See Snooping)

How Americans pay for college: A lot of borrowing -- Credit cards are rarely used to pay college costs, a new survey says, and when they are, it's mostly out of desperation. ... (See College credit)

CreditCards.com 'Taking Charge' survey, part 2: People adapt card use to changed economy -- A new CreditCards.com survey suggests the financially fit are surviving the economic downturn, but others are not. ... (See Coping)

CreditCards.com 'Taking Charge' graphs, part 2: People adapt card use to changed economy -- These graphs show how Americans are adapting to a changed economic landscape. ... (See Card usage)

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (See 2008 poll)

Taking Charge graphs: Nearly 3 of 4 Americans favor government regulation of credit cards -- Annual CreditCards.com Taking Charge survey gauges attitudes about credit cards and lending. ... (more)

Hiding credit card debt -- The exact number of men and women who hide credit card debt from a partner isn't known, but anecdotal evidence and interviews with financial planners suggest that the problem is widespread. ... (See Secret debt)

Tips for uncovering, dealing with hidden credit card debt -- If you find a loved one has hidden debt, you could scream, fight or even ask for a divorce. Experts, however, say there are better choices. ... (See Hidden debt)

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. ... (See Opting out of credit)

Fed's G.19 report shows card debt rose sharply in June -- Credit card activity continued to surge in June, according to new figures released by federal banking regulators. Analysts say consumers are relying on credit cards for increasingly costly expenses as other lines of credit remain unavailable. ... (See G.19)

Foreign transaction fees and rules for the top credit card issuers -- Here are the foreign transaction fees, also known as currency conversion fees, charged by top American credit card issuers to consumers who travel abroad. ... (See Foreign transaction fees)

Fed's G.19 report shows credit card use rebounded in May -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward/downward in May 2008. ... (See G.19)

Poll: Credit card debt the new taboo conversation topic -- Religion, politics and sex, move over. Discussing credit card debt is the new taboo. People would rather talk about anything -- their weight, their health problems, the death of a loved one, even details of their love lives --- rather than talk about their credit card debt. ... (See credit card taboo)

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. ... (See Car rental)

Credit card secrets: How bagging and licking make cards work better -- It's gross, but licking a credit card's magnetic stripe can make it scan in a reader. We explain why. ... (See Credit card secrets)

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 Cashless payments)

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. ... (See Gas credit cards)

Overall consumer credit (revolving and nonrevolving) rose 4.2 percent in April 2008 to $2.56 trillion -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward at an annual rate of about half a percentage point percent in April 2008. ... (See G.19)

Credit card issuance a matter of black and white? -- Do all Americans really have equal access to credit cards or are some groups more likely to be granted credit than others? A study found where you live may play a key role in whether you're granted a credit card. ... (See Credit card approvals)

Poll: Gas prices causing people to cut visits to family, friends -- More than half of Americans say they've cut down on visiting family and friends due to gas prices, a CreditCards.com poll reveals. ... (See Gas prices)

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. ... (See Do-it-yourself credit cards)

GAO report: Federal government pays massive credit card fees, too -- Just like gas station owners and other merchants, the federal government pays interchange fees for credit card and debit card transactions -- and its bill is huge, says a new GAO report. ... (See Interchange fees)

Credit cards and terrorism: How terrorists use cards -- Interviews with terrorism experts and readings of case studies from around the world reveal that the credit cards have become a favored tool of terrorists. ... (See Credit cards and terrorists)

Environment survey: Americans not so eco-friendly with credit cards -- Americans may well be more environmentally conscious these days, but not if it means making major changes in how they use their credit cards, a CreditCards.com national survey shows. ... (See Credit cards and the environment)

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

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. ... (See Cashless payments)

Tax smarts: Maximizing income tax returns -- This series of articles will help you file your taxes and get the most out of your income tax returns. ... (See Paying income taxes)

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)

Earth Day chores: 10 ways to go green with credit cards -- One of the best ways to go green in your daily life is to choose plastic, not paper. With credit cards, that is. ... (See Credit cards and the environment)

Credit to their generations: The Millennials -- The attitudes and behaviors of the Millennial Generation and how they use credit cards ... (See Millennials and credit)

Credit to their generations: How Generation X views credit cards, debt -- The attitudes and behaviors of Generation X and how they use credit cards ... (See Generation X and credit)

Credit to their generations: How baby boomers view credit cards, debt -- The attitudes and behaviors of the baby boomer generation and how they use credit cards ... (See Baby boomers and credit)

Credit to their generations: How 'Greatest' and 'Silent' view credit, debt -- The attitudes and behaviors of the Greatest and Silent generations and how they use credit cards. ... (See The Greatest and Silent generations and credit)

Credit to their generations: How 'greatest,' boomers, Xers and Millennials differ on credit -- The attitudes and behaviors of different generations and how they use credit cards. ... (See How different generations use credit)

Don't let a disability ruin your credit -- An unexpected illness or injury can send you into debt and sink your credit rating faster than you can say, 'I need disability.' ... (See Debt and disability)

Poll: Half of America won't spend their 'stimulus' rebate -- The president wants us to spend it, but most say saving and paying off debt are higher priorities for their economic stimulus rebate checks. ... (See Stimulus rebate)

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)

Americans say they'll take rebate money and pay off debt -- The economic stimulus windfall is on its way and Americans tell pollsters they'll use it pay off debt. Yeah. Sure. ... (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)

Cure the debt hangover, shed credit card debt -- This set of articles will help you understand why you keep finding yourself in holiday debt, how to get out of this mess and how to prevent it from happening again next year. ... (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)

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

Poll: Millions will borrow to pay '08 winter heating bills -- Heating oil costs may exceed consumer budgets, leaving borrowing and credit cards as the only option for many families, a CreditCards.com survey shows. ... (more)

Poll: Gas prices will make '08 economy sputter -- Americans' longstanding addiction to gasoline will continue well into 2008, despite rising fuel costs, and may contribute to a slowdown in the overall economy, a new CreditCards.com poll reveals. ... (more)

Credit Freeze: Use it to prevent identity fraud -- Find out more about credit freezes, an effective way to fight identity fraud. ... (more)

The short, unhappy life of a credit card -- On average, a card lasts must three years before delamination, degaussing or (ulp!) scissors, so CreditCards.com asked one credit card to reminisce about its short unhappy life. ... (more)

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

High winter heating bills, meet credit cards -- With heating bills sky high, consumers will be tempted to use utilities' new credit card payment options. Should they? ... (more)

Which utilities allow credit card payments in the United States? -- CreditCards.com surveyed many of the largest utility companies in the United States. A growing number of them offer customers the option of paying their bills with credit cards. Find out which major utility providers offer the service in your state. ... (more)

Study: Too much optimism leads to late card payments -- A little optimism leads to healthy financial decisions, according to researchers. Too much leads to overconfidence -- and unpaid bills. ... (more)

A CreditCards.com survey of airline blackout dates -- CreditCards.com survey finds few formal blackout dates, but some restrictions still apply. ... (more)

Details of credit freeze laws in all 50 states -- Most states have passed credit freeze laws to combat identity theft and fraud. Here are the details for each state. ... (more)

Bill Pay Priorities: Mortgage payment takes precedence over card payment -- The majority of homeowners will make house payments even if it affects other bills. Learn why at CreditCards.com. ... (more)

Best credit card for customer satisfaction determined through survey -- According to the 2007Credit Card Satisfaction survey, AmEx provides the highest customer satisfaction. Read more at CreditCards.com. ... (more)

University Credit Card Debt: Graduate students trying to sustain lifestyle -- Graduate students now average $8,216 in credit card debt, according to a new survey, which also says students wish they had learned earlier about handling ... (more)

9 ways to avoid the subprime spillover problems -- The tightening of credit in the mortgage world has had limited effects so far among credit card issuers, but there are ways to make sure it won't hit you at all, experts say. ... (more)

Credit card industry and personal debt statistics (2005 and prior) -- Credit card industry and personal debt statistics for 2005 and earlier. ... (more)

National Consumer Law Center report advises credit card industry changes -- A National Consumer Law Center report contends the credit card industry pushes consumers to borrow beyond their means, and recommends new regulations. ... (more)

Credit card rates rose according to 2007 Consumer Action survey -- The advocacy group Consumer Action found that credit card rates have increased 2 percent since 2005. ... (more)

Credit Card Debt Statistics: Economic data shows decline in debt -- Statistics show a decline in credit card debt. As consumers pay off their bills. ... (more)

Credit card companies might have a liability risk -- An article in the University of Illinois Law Review charges that a case of products liability could be leveled against credit cards. ... (more)

Credit card study shows Americans' feelings toward credit cards -- A new credit card study shows many people think credit cards are an easy way to fall into debt ... (more)

Study says smart people aren't necessarily wealthier -- A recent study found that smarter people may earn more money, but that doesn't mean they are necessarily wealthier. ... (more)

Consumer borrowing surged in March 2007 -- Read how consumer borrowing surged in March 2007 despite the housing slump. ... (more)

Survey: Alternative payment methods grow in acceptance -- A recently completed survey from the consulting firm Brulant found a 267 percent spike in the acceptance of nontraditional payment methods by some of the biggest ... (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)

MasterCard: Learn the various roles of this market giant -- Learn more about Master Card and its role in the credit card industry. ... (more)

Late credit card payments flat in 4Q 2006 -- The American Bankers Association said the percentage of credit card payments that were delinquent remained basically flat in the fourth quarter of 2006. ... (more)

Credit card fraud: examining debit and credit card payment fraud -- Consumers need to protect personal information when shopping and at home. ... (more)

RFID credit cards ripe for theft -- Two UMass computer scientists demonstrated how easy it could be for credit card thieves to grab information from no-swipe credit cards that employ RFID technology. ... (more)

Study shows Hispanics credit card use and debt are rising -- A new credit card study shows credit card use and revolving debt among Hispanics has grown since 2001. ... (more)

Credit card usage in the USA is growing -- Learn about the trends in credit card debt, scores and usage and what's affecting them. ... (more)

Origin of credit cards -- Ever wondered how credit cards came to be? Learn about the origin of credit cards. ... (more)

Credit card use and its impact check writing -- The convenience and speed of credit card use has spurred a decline in check writing. ... (more)

Major credit cards serve as alternative to travelers checks when overseas -- Popularity of using major credit cards for Americans overseas instead of travelers' checks has increased recently. ... (more)

Visa warns of potential for weaker holiday '06 sales -- Visa has cautioned that sales for the 2006 holiday season may be weaker than it previously estimated. ... (more)

Credit card performance report by Moody's -- Moody's finds improved credit card performance receivables. ... (more)

Teaching children about credit, debit cards -- If children are going to grow up into financially responsible adults, today's adults need to explain credit and debit cards to them. ... (more)

Visa business card spending reaches $190 billion -- Visa business credit cards are becoming more popular. Find out more at CreditCards.com ... (more)

Visa again claims title of world's leading credit card -- Visa announced world's leading credit card. Read more and get your own card at CreditCards.com. ... (more)

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

Credit Cards Service issues: Unhappy consumers and exit behavior -- Learn why consumers complain about credit card service, rates, and pricing schemes, and why they cancel cards. ... (more)

Major credit cards impact consumer debt -- The convenience of major credit cards has shaped consumer debt trends. ... (more)

Managing credit card accounts online -- How to set up online credit card account management processes to maximize rewards, cash back and miles on credit cards using recurring payments. ... (more)