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Weekly newsletter: October 1, 2015

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Top credit card news
Expert advice
Poll: Most cardholders lack smart-chip cards, despite deadline
No EMV card yet? You're not alone. Even with today's deadline deadline, 6 in 10 cardholders don't have a chip card yet, our national survey shows. More...
How to avoid big costs of deferred-interest financing deals
No-interest financing is tricky, especially if you have more than one balance on the card. Here's how to avoid hefty costs for back interest. More...
8 FAQs about EMV credit cards
The way you use a credit card is about to change significantly as the U.S. catches up with the rest of the world and moves to cards. Here, in Q&A format, is what you need to know about the transition. More...
‘Cashing In’ by Tony Mecia
With chip card switch upon us, who do I call about fraud?
Retailers will shoulder some responsibility for fraudulent charges, but consumers will see few differences. More...
To Her Credit by Sally Herigstad
ID thief may pay bills on stolen card, but needs to be turned in
The police and your card issuer need to know about the crime. More...
‘Credit Wise’ by Kevin Weeks
Getting a second balance transfer harder than the first
Getting approved for a second balance transfer card can be iffy, and will nip at your credit score. More...
Taking Charge Blog
Rate Report
Be patient with EMV technology
The new chip cards take a few extra seconds and require everyone to learn a new routine at checkout. While nobody likes change, be patient and give the new technology time to prove its worthiness before you grumble too much. More...
If you aren't saving in your 20s, you're doing something wrong
An essay that declared, "if you have savings in your 20s, you’re doing something wrong” recently went viral. But if you blow all your money now, you could be forced to spend your 30s and 40s holed up at home, mailing interest payments to your credit card issuer. More...
Credit card rate report
As of 10/1/2015
National Average
15.00%
Low Interest
11.62%
Balance transfer
14.12%
Business
12.85%
Student
13.14%
Cash Back
15.27%
Reward
15.14%
Airline
15.10%
Bad Credit
22.73%
Instant Approval
18.00%