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Super Bowl: Credit card tips, watch-party ideas -- The Super Bowl is coming up, and if you're organizing a watch party, you'll want to score some serious savings. Here are six tips to score big using your rewards credit cards. ... (See Super Bowl watch party: Rewards cards tips)

Southwest credit cards: Is the Companion Pass sign-up offer worth it? -- The Southwest Rapid Rewards credit cards' current sign-up offer includes the popular Companion Pass. Is the promotion worth it? Read on to see if this offer is good for you. ... (See Southwest Companion Pass sign-up offer: Is it worth it?)

Is choosing bonus categories the next big trend in credit cards? -- Is the updated Bank of America Cash Rewards card starting the newest credit card trend? ... (See Bonus category choice)

Millennials most candid when discussing money with future spouses -- A new survey shows millennial couples consistently reporting greater transparency and more candid discussion with their future spouses on a number of financial fronts than older adults. ... (See Marriage and money)

Balance transfers: How to come out ahead -- Many consumers turn to balance transfer offers to work their way out of debt. Unfortunately, they don't always pan out the way we want. Here's how to win the balance transfer game. ... (See Balance transfer)

Cash discounts: Can businesses offer discounts for paying cash? -- A few states still ban credit card surcharges, but discounts for paying with cash are allowed under federal law. Here's what you need to know. ... (See Cash discounts)

Tropical destinations: 4 exotic islands to escape winter using points -- Cold, frosty winter days call for sunny afternoons in far-off destinations. Here are four exotic islands you can escape to by using miles and points from your rewards credit cards. ... (See 4 exotic winter destinations on points)

What would my ideal cash back card look like? -- I was disappointed by my return on ongoing spending with my cash back cards last year. Here's how I would create the ideal cash back card, based on different rewards rates, earnings categories and sign-up bonuses. ... (See Cash back cards)

Guide to the Venture® portal -- See how using the Venture portal can earn you more rewards. ... (See guide)

Create a budget: expense categories, budgeting apps, rewards -- If you want to create a budget, start by breaking down your expenses into four major categories. Then use apps and online tools to stick to your budget and save. Here's how. ... (See How to create a budget)

Earn up to 50,000 bonus points with The World of Hyatt Credit Card -- Discover why a high point value makes the World of Hyatt Credit Card sign-up bonus especially valuable. ... (See World of Hyatt card bonus)

Will my credit score rise after 12 months with no late payments? -- There is no scoring bonus for making a one-year milestone of on-time payments. However, if all other factors that go into creating a credit score are positive, you should expect your score to reflect this. ... (See Payment history )

Accessible guide for disabled entrepreneurs - -- Building a business as a disabled entrepreneur has many unique challenges. Follow these steps to fund your business and make it successful. ... (more)

How to get the most from our weekly newsletter -- These tips and instructions will help any subscriber get the most out of their newsletter. ... (See newsletter guide)

Summer vacation: Plan early using rewards points -- Looking forward to a summer vacation? January is the perfect time to start exploring destination options, looking for great deals -- and planning your credit card rewards strategy to fund your trip. ... (See Summer vacations: How to plan early)

Mastercard free trial rule: Merchants must get your permission before charging you -- Mastercard will soon implement new rules that require merchants to get cardholders' permission before charging them when free trials end. ... (See Mastercard free trial rule )

Weekly rate report: Average card APR climbs to all-time high of 17.47 percent -- January 16, 2019: The average credit card interest rate soared to another all-time high Wednesday after several card issuers pushed up rates. ... (See Weekly rate report)

Small Business Profile: Prohibition Creamery -- Founder Laura Aidan used a business credit card with a long introductory 0-percent offer to launch Prohibition Creamery, a boozy ice cream and cocktail lounge in Austin, Texas. ... (See Small Business Profile: Prohibition Creamery.)

Credit freeze versus credit lock versus credit monitoring: How to protect yourself -- Credit freezes, which keep lenders and other companies from viewing your credit, are now free. We compared them to other credit protection tools, including locks and monitoring services. Here's how to use them all to protect yourself. ... (See Credit freeze versus locks versus monitoring)

Rocketmiles guide: How to earn airline rewards on hotel stays -- Learn how your hotel stays can earn you points or miles with your favorite airline. ... (See Rocketmiles Guide)

Government shutdown: How affected families can use credit cards to get by -- Families affected by the government shutdown can use credit cards to lessen the effects of the impasse on their economy. These four tips can help. ... (See Government shutdown: Credit card tips)

Employer credit checks: Who does them, how they work and what laws apply -- If you're applying for a new job, a credit check could determine your fate, depending on the position and where it's based. Here's how they work and what to expect. ... (See Employer credit check)

Rewards offers you should avoid: Buying points, redeeming points for gift cards -- Understanding rewards programs is key to maximize the value of your points. For example, buying points and redeeming them for gift cards is usually a no-no – here's why. ... (See Points offers you should ignore)

Joint bank accounts can help couples curb frivolous spending -- A new study suggests pooling your money into a joint account with your significant other can nudge both of you into spending more responsibly. ... (See Joint bank account)

Gift card business tips: How to enter sales, calculate liability, from gift cards -- Calculating a business's costs and potential liability from selling gift cards is complicated, but there are written rules about it. Here's what you need to know. ... (See Gift card sales)

Guide to the new Citi Rewards+℠ Card -- Check out unique features on Citi's new no-fee card, the Citi Rewards+ Card. ... (See Citi Rewards+ Guide)

How to maximize the Bank of America Cash Rewards card’s 3-percent bonus in 2019 -- Check out our suggestions of which category to choose each month to help maximize your bonus earning potential in 2019. ... (See Cash rewards)

Capital One balance transfer guide: Card options, restrictions, approval tips -- Considering a balance transfer to a Capital One credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See Transferring balance to a Capital One card)

Guide to Minority-Owned Credit Unions -- Local credit unions can help meet the needs of minority communities throughout the U.S. ... (more)

My card issuer of 25 years suddenly wants to know more about me -- Under the Patriot Act, banks are required to verify the identities of their customers and maintain accurate information on them. But my bank's demand to know how I earn my income is an invasion of my privacy. ... (See Consumer privacy)

My credit score is 776 … and 815 … and 828?! -- There have been huge changes to the credit scoring landscape in the past 15 years, and the average credit score is now at an all-time high. But I worry it's that way not because Americans are more creditworthy. ... (See Credit scores )

Attention Uber riders: You may be missing a chance to earn extra Uber Cash -- By doing a little digging in your Uber app you could unlock new savings. ... (See Visa Local Offers Uber Guide)

Credit or debit card posted online? What to do? -- Once posted, the question is not so much what were you thinking, but what happens if you do find yourself in this plastic pickle? ... (See What to do if your card is posted online?)

Credit vs. debit: Older millennials prefer debit, unlike other groups under 55 -- A recent survey shows older millennials stand alone among the under-55 crowd in preferring to pay with debit over credit. However, Gen Z is evenly split between the two. ... (See Credit vs. debit )

Car repossessed: How can I rebuild my credit? -- The delinquent car payment that led to the repossession will stay on your credit report for seven years. However, there are ways to help your score recover in the meantime. ... (See Car repossession )

How to manage your finances in 2019: Credit card tips -- Want to improve your finances in 2019? We asked personal finance experts for advice, and this is what they said: "If you only do one thing, do this." Read on to see the tips they offered. ... (See Card tips to improve your finances in 2019)

Weekly rate report: Average card APR remains at record high of 17.41 percent -- January 9, 2019: The average credit card interest rate stayed put Wednesday, remaining at an all-time record high. ... (more)

Citi Prestige vs. Citi Premier: Which is best for you? -- We take an in-depth look at how the Citi Premier card compares to the newly launched Citi Prestige card to help you determine which card to get. ... (See Citi Prestige vs. Citi Premier)

Small Business Profile: Beauty Kitchen -- Founder Heather Marianna learned from past credit card mistakes. Now, by using her credit cards wisely and keeping a stellar credit score she’s ensuring the expansion of her popular all-natural beauty company. ... (See Small Business Profile: Beauty Kitchen)

Poll: No end in sight for 2 out of 3 U.S. adults with debt -- Many Americans don't know when or if they'll ever get out of debt, according to a new poll. That includes 25 percent of people who have debt and think they'll die before paying it off. ... (See Debt free survey )

Fed: Card balances jumped by $4.8 billion in November -- Credit card balances rose to a new all-time high in November, according to the Federal Reserve. ... (See Consumer credit )

Is the Citi Prestige card the best dining rewards card available? -- While there are many credit cards that reward cardholders for dining out, the Citi Prestige Card may take the lead - thanks to its recently increased rewards rate. ... (See Dining rewards)

A guide to the Free Spirit Online Mall -- Our guide to Spirit Airline's online shopping portal shows you how to get extra Spirit miles out of most of your online purchases. ... (See Spirit Online Mall)

Citi Prestige card: Is the updated offer worth it? -- Citi Prestige, one of the premium cards in the market, has an updated offer that includes 5x points on air travel and dining. Read on to see if the card is right for you. ... (See Citi Prestige update: Is it worth it?)

Return protection: Rules, restrictions, cards that offer this benefit -- Return protection helps you get your money back when a merchant won't accept a return, but is coming a rarity. Here's what you need to know, including rules, restrictions and the credit cards that still offer it. ... (See Return protection: What you need to know)

2019 will bring big changes, more control to first-time borrowers -- Beginning this year, young borrowers with thin or non-existent credit histories will be able to proactively influence their FICO scores by granting credit bureaus access to more of their financial information. ... (See Credit scores)

Using authorized-user card after primary cardholder dies: Dos, don'ts -- If the primary holder of a credit card on which you're an authorized user dies, you can't continue to use the card as it is illegal. If you have, these are your options. ... (See Debt on dead spouse's card)

Guide to the Citi Prestige 4th night free benefit -- By booking strategically, you can get great value out of the popular 4th night free benefit. ... (See 4th night free guide)

Travel resolutions: Travel better using rewards credit cards in 2019 -- Is one of your new year’s resolutions to travel far and wide? Follow these tips to upgrade your bucket list, hack elite benefits and make your wildest travel dreams come true in 2019 using your rewards credit cards. ... (See Travel better in 2019 using card rewards)

Cash back: How I boosted my earnings in 2018 -- I redeemed over $1,600 in cash back in 2018, which amounts to about eight weeks of my family's typical grocery spending. It's a reminder that credit card rewards can really add up. ... (more)

How to save when booking boutique hotels -- Boutique hotels offer a personalized and unique experience, but you typically can't book them with your big chain loyalty points. Here's how to use other loyalty and rewards programs and travel cards to book a unique stay. ... (See Boutique hotel booking )

Business credit card tips: How to boost savings, rewards in the new year -- Want to review your business's finances in the new year? Your credit card is a good place to start. Take advantage of the January blues to fine-tune your budget, up your rewards game and explore balance transfer opportunities. ... (See Business card tips for the new year)

Improve your credit score in 2019: 10 tips -- If you want to improve your credit score this year, start by setting financial goals and knowing where you stand today. The five FICO credit scoring factors can guide you the rest of the way. ... (See Credit score tips )

Citi’s latest no-fee card will reward you for every purchase -- The new Citi Rewards+ Card offers a variety of ways to accelerate your earning potential. ... (See Citi Rewards)

Why a no-fee balance transfer card can save you more money -- Long 0 percent introductory APRs are tempting offers, but save you less money than no balance transfer fee. ... (See No fee balance transfer offers)

New Democratic Congress: How will it affect consumers? -- The incoming Democratic House majority will be emboldened to push pro-consumer legislation and will likely ratchet up their scrutiny of the Consumer Financial Protection Bureau. ... (See Consumer law)

Weekly rate report: Average card APR soars to all-time record high of 17.41 percent -- January 2, 2019: The average credit card interest rate began the New Year at another all-time record high, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

New year's resolutions: Maximize rewards with spending reset -- The new year is a great time to examine your past spending and plan ahead to boost your rewards earnings in the upcoming months. These tips will help you maximize savings in 2019. ... (See New year's spending reset)

Find the best credit card for your New Year’s resolution -- See how you can get rewarded for sticking to your New Year's resolutions in 2019. ... (See New Year's resolutions rewards cards)

Small Business Profile: TrivWorks -- Founder David Jacobson's business credit cards have given him the protections and benefits needed to take his trivia-event business nationwide. ... (See Small Business Profile: TrivWorks)

Take card payments by phone: How to prevent fraud -- If your business takes card payments by phone, there are steps you can take to prevent fraud. Start by knowing, and following, the card networks' merchant guidelines. ... (See Take card payment by phone)

HawaiianMiles Online Mall guide -- By clicking through to your favorite retailer via the Hawaiian Airlines shopping portal, you can earn Hawaiian miles on top of other rewards and discounts. ... (See Hawaiian Airlines shopping mall)

Wells Fargo, Bank of America top my list of favorite card offers in 2018 -- Many issuers revamped their cards to offer even more enticing rewards in 2018. Here are my favorites. ... (See Favorite cards of 2018)

Will my credit score drop if I take over my friend’s internet account? -- If you are assuming legal responsibility of an existing credit account with a negative history, that could affect your credit score. If it's a utility account, you may only see a small credit score hit from a hard inquiry. ... (See Internet account and credit score )

Alaska Airlines Mileage Plan Shopping guide -- Our guide to Alaska Mileage Plan Shopping hows you have to use Alaska's shopping portal and build up miles more quickly. ... (See Mileage Plan shopping)

Small Business Profile: Psi Bands -- Multiple award-winning founder, Romy Taormina, uses her card's benefits to maximize spending power and elevate her business into a growing powerhouse. ... (See Small Business Profile: Psi Bands)

Tax deductions: Can I deduct small-business credit card fees? -- According to the IRS, annual fees, convenience fees and even interest related to your small-business credit card can be considered deductible expenses. ... (See Deductible card fees, interest)

My take on Bank of America’s updated Cash Rewards card -- The Bank of America Cash Rewards credit card allows you to earn extra cash back on many everyday expenses, if you have a well-stocked bank account with Bank of America or Merrill Lynch. ... (See Bank of America Cash Rewards credit card)

Best credit cards for cruises -- Looking for the best credit cards for cruises? Look no further. From co-branded cruise line-specific cards to flexible travel rewards cards, these are your best options. ... (See Best credit cards for cruises)

How can I help my financially abused, disabled ex-husband repair his credit? -- If a disabled person for whom you have power of attorney is being abused financially, you can freeze his credit and contact the card companies to which he owes balances. ... (See Credit repair after financial abuse )

Poll: Cardholders say they earn most of their rewards from groceries -- Rewards card holders say grocery shopping is their most lucrative way of earning points and cash back, according to a new poll. ... (See Rewards earning poll )

Credit card APRs heading upward again as Fed hikes rates -- The Federal Reserve voted to raise its federal funds rate by a quarter point for the fourth time this year – all but ensuring credit card APRs will soon climb to a new record. ... (See Fed hikes rates)

Weekly rate report: Average card APR climbs to 17.21 percent -- December 19, 2018: The average credit card interest rate climbed to another record high Wednesday, according to the Weekly Credit Card Rate Report. ... (more)

Santa Claus, Indiana, and other great Christmas destinations -- Here are some of the most festive small towns in the U.S. when it comes to all things Christmas, and some advice for how to get there on your favorite airline. ... (See Holiday travel )

Small Business Profile: Inscriptagraphs -- Founder Tyler Feldman has relied on business credit cards to grow his memorabilia and apparel business – but he makes sure to know how he’ll pay off his card balance even before he charges. ... (See Small Business Profile: Inscriptagraphs)

Will 2019 be the year you finally get out of debt? -- With 2019 on the way, you may be pondering a New Year's resolution that could change your finances forever. Is this the year you get out of debt, or at least get started on the path to a debt-free lifestyle? ... (See Debt free in 2019)

BankAmeriDeals® program guide -- Bank of America credit and debit cardholders can earn extra cash back on everyday purchases with BankAmeriDeals. ... (See BankAmeriDeals guide)

Boost your credit score immediately with Experian's new platform -- Experian has launched a new program that allows the credit bureau to access your on-time mobile phone and utility payments, potentially raising your credit score in real time. ... (See Raise your credit score immediately)

Price protection: Despite cuts, it can still save you money this holiday season -- Many credit card issuers have trimmed price protection or cut it altogether in recent months, but it's still alive and well at a number of banks and issuers. Price protections can help you trim your holiday spending. ... (See Price protection )

Business Platinum Card from American Express: Are the new perks worth it? -- The Business Platinum Card from American Express will offer new perks – including access to WeWork – starting February 2019, but will also charge a higher annual fee. Is it worth it? ... (See Is Amex Business Platinum card worth it?)

Amex® Offers program guide -- If you are an American Express cardholder, you can be earning points or cash back on the purchases you make every day. ... (See Guide to Amex Offers)

Rewards credit cards New Year's resolutions -- Ready to start the new year with a list of resolutions to make the most from your rewards credit cards? We have you covered. ... (See New Year's rewards cards resolutions)

Small-business owners: How to report information to credit bureaus -- Small businesses can become data furnishers to report information to credit bureaus. However, if your business is too small you might not meet the criteria. Here's what you need to know. ... (See Report information to credit bureaus)

HSBC balance transfer guide: Card options, restrictions, approval tips -- Considering a balance transfer to an HSBC credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See Transferring balance to an HSBC card)

Maximize rewards points using your card's transfer partners -- Transferring your credit card reward points to an airline or hotel partner can sometimes be your secret weapon to unlock maximum value. ... (See Maximize rewards points using card transfer partners)

Cash back: A look at the policies of four different issuers -- Different credit card issuers apply cash back rewards in very different ways. Here's a look at the policies of cards from Wells Fargo, American Express, Chase and Capital One. ... (See Cash back policies )

Credit card bonus categories: What's ahead for 2019 -- Two of the most popular cash back cards offer 5 percent bonus categories that rotate every quarter. With the calendar soon to roll over into 2019, it's a great time to re-examine them. ... (See Credit card bonus categories)

How to balance your holiday travel and gift spending -- Learn to balance your holiday gift giving and travel costs. Use experts' advice to help you find the sweet spot. ... (See Holiday travel and spending)

Chase Slate vs. Citi Simplicity: Which is best for you? -- While the Citi Simplicity card offers the longer interest-free promotion, the Chase Slate card may save you more on a balance transfer -- learn why. ... (See Chase Slate vs. Citi Simplicity)

Holiday travel: How to save on a trip to New York City -- It's tough to beat the Big Apple when it comes to holiday cheer. Here's how you can book a holiday trip to New York City without cutting into your gift-buying budget. ... (See New York City holiday trip)

Holiday shopping: Beware the aftermath of credit card spending -- If you plan to be exceptionally generous with your holiday gift buying this year, there are some savvy ways to avoid a financial hangover. ... (See Holiday shopping and debt )

Secured credit card: Can I still get one if I have medical bills in collection? -- If a medical collection is weighing down your credit, you could be denied a secured card. But you might want to consider other ways to rebuild your credit, while also developing a plan to pay off your medical bills. ... (See Secured credit card)

Chase launches its cash back category for Q1 2019 -- From January through March 2019, Chase Freedom cardholders can earn 5 percent back at gas stations, drugstores and tolls. ... (See Chase Freedom bonus categories)

Weekly rate report: Average card APR remains at 17.15 percent for second week -- December 12, 2018: The average credit card interest rate held still Wednesday, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Credit card debt emergency: Should you tap your savings? -- A financial disaster has played out at the worst time, and now your card debt has become an emergency. What are your options? ... (See Credit card debt emergency)

Small Business Profile: More to Love -- Credit cards have been a game changer for entrepreneur Rachel Estapa, who is using them to grow her award-winning business: A yoga studio that embraces people of all sizes. ... (See Small Business Profile: More to Love)

Discover it® Cash Back vs. Discover it® Student Cash Back: Which is best for you? -- The Discover it Cash Back card and Discover it Student card are two great options for college students -- we'll help you decide which is best for you. ... (See Discover it vs. Discover it Student)

United Airlines MileagePlus Shopping guide -- Our guide to MileagePlus Shopping shows you how to earn more miles through United's shopping portal. ... (See MileagePlus Shopping guide)

Capital One Savor card offers free Postmates Unlimited membership for a limited time -- See how the new Postmates Unlimited membership adds great value to the Capital One Savor card. ... (See Savor Postmates Offer)

Gold Delta SkyMiles vs. The Platinum Card from American Express -- For frequent Delta flyers, the Gold Delta SkyMiles card and the Platinum Card from American Express are both great options -- we'll help you figure out which one is best for you. ... (See Gold Delta SkyMiles vs. AmEx Platinum)

Tipping guide: Who, when, how much to tip – and save using card rewards -- If you're wondering who, when, why and how much to tip, fret not. This guide includes everything you need to know about tipping – plus a few tips on how to use card rewards to save. ... (See Tipping guide)

Cash back rewards: Best redemption options -- Cash back is consumers' favorite form of rewards due to its flexibility. Cash back redemption options include statement credit and checks, but they are not the only ones. ... (See Cash back redemption options)

Holiday shopping: As stores speed up checkout, shoppers risk overspending -- A growing amount of research is finding that faster checkout makes for happier customers; but it also tends to significantly increase how much people spend. ... (See Holiday shopping and mobile payments )

Bank of America Cash Rewards cardholders can now choose how they earn rewards -- Instead of earning 3 percent cash back on the fixed gas category, Bank of America Cash Rewards members can now select from six popular categories, including gas, online shopping, dining, travel, drug stores and home improvement and furnishings. ... (See Cash rewards)

Switching to EIN from SSN: Implications, benefits for your business -- Switching to an Employer Identification Number (EIN) from a Social Security Number (SSN) can have security, tax and business implications. Here's what you need to know. ... (See Switching to an EIN from a SSN)

Capital One rewards guide: The best ways to earn and use Capital One miles -- Your guide to earning and redeeming Capital One rewards miles. ... (See Capital One rewards)

How much are Capital One miles worth? -- Here's a quick look at what Capital One miles are worth. ... (See How much Capital One miles are worth)

Which Capital One cards earn miles? -- Not sure which Capital One miles card is right for you? Here's what you can earn with each one. ... (See Capital One miles cards)

Best ways to use Capital One miles -- Discover how the Purchase Eraser makes it easier to book your next trip using rewards. ... (See Best way to redeem Capital One miles)

How to earn more rewards with Capital One -- Follow these tips to earn more miles with your Capital One rewards card. ... (See Earn Capital One rewards)

State credit card debt study: New Mexico, Southern states carry heftiest load -- A new analysis by found New Mexico carries the heftiest debt load in the nation. And Southern states took nine of the top 10 spots for states most burdened by debt. ... (See State credit card debt burden study )

Fed: Card balances jumped by $9.2 billion in October -- Credit card balances increased in October, according to a report by the Federal Reserve. ... (See Consumer credit report )

Rewards cards: Check category codes to ensure earning bonuses -- Several of my recent credit card transactions were recorded in ways I didn't expect, and I missed out on some rewards. These missed opportunities may be a cautionary tale for you, particularly if you're buying expensive items. ... (See Rewards cards and merchant category codes )

Corporate card vs. business card: Which is right for you? -- A quick look at the differences between corporate and business cards. ... (See Corporate vs. business cards)

Add a limited time bonus to your holiday shopping list -- Give yourself a gift this holiday season with a limited time sign-up offer. ... (See Holiday sign-up bonuses)

Best credit cards for nonprofit organizations -- The right business credit card can help nonprofit organizations working with limited resources save money on multiple expenses, from purchasing supplies to organizing fundraisers. ... (See Best cards for nonprofits)

Uber Visa Card vs. Capital One Savor Card -- The Uber Visa Card and the Capital One Savor card are great options for frequent diners -- our in-depth analysis will help you decide which is best for you. ... (See Uber Visa Card vs. Capital One Savor Card)

My car insurance went up because of my credit. Can I challenge it? -- Your traditional credit score and your credit-based insurance score can't be challenged, but you can review the information that determines them and dispute it if there are errors. ... (See Car insurance and credit scores )

Chase offers bonus points on mobile wallet purchases for a limited time -- This month, Chase is offering cardholders bonus points for digital wallet payments. ... (See Chase mobile wallet offer)

Business tax deductions: How to maximize year-end rewards -- Year-end spending can help your business maximize tax deductions and rewards earning at the same time – if you do it wisely. These tips can help. ... (See Year-end tax deductions and rewards)

Capital One Quicksilver vs. Discover it Cash Back -- We compare the Capital One Quicksilver to the Discover it Cash card to help you decide whether rotating quarterly categories or a flat rate of cash back will be the most rewarding. ... (See Capital One Quicksilver vs. Discover it Cash Back)

Weekly rate report: Average card APR climbs to 17.15 percent -- December 5, 2018: The average credit card interest rate broke another record Wednesday, inching up to 17.15 percent. ... (more)

Cash back card sign-up bonus: Tips for maximizing rewards -- Cash back card sign-up bonuses can be more valuable if you shop for the right bonus and redeem it wisely. Here are some tips to give a boost to your cash back earnings. ... (See Cash back card sign-up bonus tips)

Small Business Profile: BioXcellerator -- A premium rewards business credit card has helped founder Ben Smith's fund travel, maximize cash flow and manage employee expenses for his stem cell-infused beauty line. ... (See Small Business Profile: BioXcellerator)

JetBlue ShopTrue guide -- Our guide to the ShopTrue shopping portal shows you how to earn and maximize TrueBlue points while doing all of your regular online shopping. ... (See JetBlue shopping guide)

Credit card signature requirements getting dropped by retailers -- No-signature retailers may be more common than signature retailers within the next year, according to a new study. ... (See Credit card signature requirements )

American Express Pay Over Time: Business charge cards flexible payment options -- American Express business charge cards offer flexible payment options that can help you manage cash flow or make a big expense. Here's how 'Pay Over Time' and 'Extra Days to Pay' work. ... (See Charge cards: Flexible payment options)

A Financial Guide to the Gaming Season -- This season is the busiest time of the year for gamers, game manufacturers and retailers. Getting the most out of every dollar is an important part of maximizing the gaming experience, and rewards programs and certain credit card offers can help. ... (more)

Gas purchases: Does diesel earn cash back at gas stations? -- If you have a diesel vehicle you can earn cash back on gas purchases at gas stations – as long as the purchase is coded as gas and your card offers cash back or points on gas purchases. ... (See Gas rewards: Does diesel qualify?)

Citi Premier Card vs. Chase Sapphire Preferred -- Our detailed analyses of the Citi ThankYou Premier and Chase Sapphire cards helps you make the choice by two of the top mid-tier travel cards. ... (See Citi Premier Card vs. Chase Sapphire Preferred)

Fed report: More consumers rejected for credit cards, credit limit increases -- Consumers are increasingly being denied new credit card accounts and credit limit increases, according to a report from the Federal Reserve. ... (See Federal Reserve Credit Access Survey)

Changes coming to The Business Platinum® Card from American Express in 2019 -- AmEx has announced several upcoming changes to The Business Platinum® Card from American Express slated for February 2019. ... (See AmEx Business Platinum)

Teaching kids about money: Study shows practice is best -- If you’re trying to teach your kids about money, don’t just rely on word-of-mouth alone. A growing body of research suggests parents should do more than just talk with their kids and hope they’ll follow their advice. ... (See Kids' money skills )

Financial strategies for the loved ones of problem gamblers -- Gambling addiction can have long-term effects on your family's finances. Here are ways you can protect yourself and repair the damage caused when a loved one has a gambling problem. ... (more)

Merchant account: How to cancel agreement without incurring fees -- If you want to want to cancel your merchant service provider agreement without paying termination fees, start by reading, and understanding, your contract's fine print. ... (See Canceling merchant agreement)

Book travel through your card's portal: 5 times it makes sense -- Booking directly through your credit card's travel portal may be your best option when you're looking to redeem points in certain situations. ... (See Booking travel through card's travel portal)

Marriott data breach exposes 500 million guests’ information -- Marriott announced on Nov. 30 its Starwood reservation database has been hacked, exposing the personal information of 500 million guests. Millions of guests' credit card information may have been stolen. ... (See Marriott Starwood data breach)

Capital One Platinum vs. Capital One QuicksilverOne -- The Capital One Platinum and QuicksilverOne cards are two great cards for cardholders trying to build credit -- we'll help you decide which one works best for you. ... (See Capital One Platinum vs. Capital One QuicksilverOne)

Best ways to redeem rewards points over the holidays -- From traveling to exotic destinations on points to upping their gift game using cash back, five cardholders share how they earn and redeem rewards around the holidays. ... (See Redeem rewards around the holidays)

Student loan deferment: How does it affect your credit score? -- A student loan in deferment does not affect your credit score because it's not a currently due obligation. If your score dropped after your loan came out of deferment, it's likely that something negative has happened. ... (See Student loan deferment and credit score )

Poll: 9 out of 10 parents would help bail children out of debt -- Only 1 parent in 10 would refuse to help a child get out of debt, according to a new survey. Over half said they would give $1,000 or more. ... (See Parents helping children with debt poll )

Weekly rate report: Average card APR remains at 17.14 percent for fourth week -- November 28, 2018: Interest rates on new credit card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Earn $100 bonus cash back with the PenFed Power Cash Rewards Visa Signature® Card -- Discover how the sign-up bonus and competitive rewards rate on the PenFed Power Cash Rewards Visa can get you more cash back. ... (See PenFed Power Cash Rewards bonus)

Earn 50,000 bonus points with the U.S. Bank Altitude™ Reserve Visa Infinite® Card -- See how the sign-up bonus on the U.S. Bank Altitude™ Reserve Visa Infinite® Card gets you great travel value. ... (See U.S. Bank Altitude intro bonus)

Small Business Profile: White Wolf Private Tours -- Personal and business credit cards helped Dylan Gallagher launch his luxury tours company. Now, the rewards and cash back he earns allow him to keep reinvesting in his business. ... (See Small Business Profile: White Wolf Private Tours)

Earn 50,000 bonus points with the Bank of America® Premium Rewards® card -- Discover how Bank of America customers can get great rewards value out of the Premium Rewards sign-up bonus. ... (See Bank of America Premium Rewards bonus)

Earn $150 bonus cash back with U.S. Bank Cash+™ Visa Signature® Card -- See what the U.S. Bank Cash+ Visa is worth in the first year. ... (See U.S. Bank Cash+ intro bonus)

Earn $150 bonus cash back with Capital One® Quicksilver® Cash Rewards credit card -- See how the Quicksilver® from Capital One® gets cardholders more in the first year with a competitive sign-up bonus. ... (See Capital One Quicksilver bonus)

Earn 25,000 bonus points with the Bank of America® Travel Rewards credit card -- Discover how the Bank of America Travel Rewards card can earn you more in the first year. ... (See Bank of America Travel Rewards intro bonus)

Starwood Preferred Guest® Credit Card from American Express vs. Chase Sapphire Preferred Card -- The Starwood Preferred Guest and Chase Sapphire Preferred cards both offer large bonuses and transferable points for a $95 annual fee -- which offers the best value? ... (See Starwood Preferred Guest vs. Chase Sapphire Preferred)

Earn 30,000 bonus points with Wells Fargo Propel American Express® Card -- See how the Wells Fargo Propel American Express earns you one of the highest sign-up bonuses for a card with no annual fee. ... (See Wells Fargo Propel Bonus)

Earn up to $500 bonus cash back with Capital One® Savor cards -- See how the Savor® and SavorOne cards from Capital One earn you extra cash back in the first year. ... (See Capital One Savor bonus)

Unique holiday gifts: Where to find them, how to save using credit cards -- Looking for truly unique gifts for your loved ones this holiday season? These tips will help you take advantage of social media and other tools, including card rewards, to find, and pay for, really original holiday gifts. ... (See Unique holiday gifts)

Holiday shopping: How to boost credit card rewards -- The holiday shopping season is prime time for earning credit card rewards – if you shop strategically. Taking advantage of special bonuses and gift cards can help. ... (See Maximize rewards on holiday shopping)

Bank of America Travel Rewards vs. Chase Sapphire Preferred: Which is best for you? -- Our card comparison helps you decide whether you should go with Bank of America's simple travel rewards card or splurge for the Chase Sapphire Preferred's $95 annual fee. ... (See Bank of America Travel card vs. Chase Sapphire Preferred)

Small business guide: How to use credit cards for employee, client holiday gifting -- If you're a small business owner looking for ways to save on client and employee gifts this holiday season, you can leverage credit card rewards. Here's how to use them right. ... (See Business credit cards and holiday gifting)

Holiday pet expenses: How to save with cash back cards, discounts -- Pet-related expenses can add up during the holidays, whether you're buying lots of gifts for your four-legged best friend or traveling with him. Here are five tips for cutting the cost of holiday pet care. ... (See Holiday pet expenses)

Credit accounts: What happens after selling your business -- Make sure to close any credit accounts associated with your business and pay off any card debt. This will help you keep your credit intact and add value to the business you're selling. ... (See Business credit accounts)

Chase balance transfer guide: Card options, restrictions, approval tips -- Considering a balance transfer to a Chase credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See Transferring balance to a Chase card)

How to provide relief to those in need -- Many families need financial assistance during the holidays. Here are some of the ways your family can get involved this year. ... (more)

Should you get a new credit card for Black Friday and Cyber Monday? -- With the right card, you can save even more on Black Friday and Cyber Monday than you would taking advantage of stores' discounts alone. But do you have that ideal card now, or is it time for a new one? ... (See New credit card for Black Friday)

Dining rewards: Food is the hottest thing in credit card rewards -- In the credit card space, 2018 has been the year of food. With so many dining rewards credit cards out there, what's a food lover to do? ... (See Dining rewards )

Are two debt settlements worse for your credit score than one? -- Settling a charged-off debt for less than what you originally owed is a score killer, and doing it twice just makes it worse. But these financial missteps can also hurt you with regard to your taxes and future employment opportunities. ... (See Settling a charged-off debt)

Holiday movies: Smart-money lessons for the whole family -- The holidays are prime shopping season, but can also be the perfect time for sharing some valuable money lessons with your family. These holiday classic films can help. ... (See Smart money lessons: Holiday films)

Weekly rate report: Average card APR sits tight at 17.14 percent -- November 21, 2018: Average rates on new credit card offers remained at a record high Wednesday, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Great winter destinations: How to get there with rewards -- Credit card rewards can help you get some wintertime sunshine or enjoy snowy outdoor activities. Here's how. ... (See Winter destinations)

Best credit cards for weddings -- If you and your partner are tying the knot soon, consider a credit card that can help you earn rewards on wedding expenses or have extra time to pay them all off without incurring interest – or both. ... (See Best cards for weddings)

Small Business Credit Profile: Emily's Maids -- Rewards credit cards, both personal and business, have allowed Greg Shepard to not only grow his low-cost maid company, but also fund family travel. ... (See Small Business Profile: Emily's Maids)

Millennial mobile payment users display costly card habits -- Millennial mobile payment users have more assets, higher incomes and higher levels of education than non-users, but they're also more likely to pay only the minimum on their cards and incur late fees, new research shows. ... (See Millennials and mobile payments )

Credit card offers: Why you're not getting them in the mail anymore -- As issuers move to cheaper, smarter alternatives to direct mail, you still have options to get access to the best credit card offers. ... (See Credit card offers)

Earn $150 bonus cash back with the Bank of America® Cash Rewards credit card -- Discover how the Bank of America Cash Rewards intro bonus can maximize your cash back. ... (See Bank of America Cash Rewards intro bonus)

Double 1st year rewards with Discover it® Cash Back's Cashback Match™ -- See how Cashback Match™ on the Discover it® Cash Back card can help you get more rewards in the first year. ... (See Discover it Cash Back Bonus)

A guide to the new One Card from Capital One® -- Our guide to the new One Card from Capital One explains who should get the card and what differentiates the card from other corporate card solutions. ... (See One Card from Capital One)

Holiday shopping: Should I apply for a retail store credit card? -- Should you say yes to those invitations to apply for a retail store credit card at the register this holiday shopping season? That depends on your shopping and spending habits. ... (See Store cards for holiday shopping)

Contactless cards get crucial boost as Chase embraces tap-and-pay -- Chase is preparing to roll out contactless technology on all its newly issued and renewed Visa cards. ... (See Contactless credit cards)

Earn 70,000 bonus miles with the Barclaycard Arrival Plus World Elite Mastercard -- The Barclaycard Arrival Plus World Elite Mastercard has launched its most generous sign-up bonus yet. For a limited time, cardholders can earn 70,000 bonus miles when they spend $5,000 in the first 90 days. ... (more)

Earn 35,000 bonus points with American Express® Gold Card -- See why transferring Membership Rewards points might get you more out of your intro offer. ... (See American Express Gold Card Bonus)

Check potential client's credit score: How to do it, options -- If you're considering extending credit to a new small business, you can check their owner's business or personal credit report. Here's how to do it. ... (See Checking a client's credit)

Guide to donating to HIV/AIDS awareness -- With World AIDS day coming up on December 1 and Trump’s recent budget cut proposals in the news, the spotlight on HIV and AIDS awareness has returned, causing many people to consider how they can donate this holiday season. ... (more)

Hard-to-reach destinations: How to travel using rewards points -- If you think you can't use rewards points to fund a trip to a hard-to-reach destination, think again. You can offset the cost of far-off travel by getting creative when planning your trip. ... (See Hard-to-reach destinations using points)

Credit score drop: How a new card briefly weighed down my score -- In September, I applied for a new credit card and only made a few purchases with it. Soon after, my credit score was 41 points lower than it had been less than two months before. What gives? ... (See Wealth and Wants with Ted Rossman)

Chase launches Chase Offers on its mobile app -- Eligible Chase cardholders can now access a variety of special deals and discounts directly from their cell phone or mobile device via the Chase Mobile app. ... (See Chase Offers)

American Airlines Shopping mall guide -- Our guide to to the AA shopping portal shows you how to use and maximize the site to stack up extra AAdvantage miles. ... (See AA Shopping)

Carrying money abroad: Why take cash, credit, or debit cards -- Ready to leave cash behind while traveling abroad, relying only on credit cards and mobile apps? Not so fast. Here's why you still need to bring along some good old cash. ... (See Traveling abroad money needs)

How to slay your credit card debt with ‘small wins’ -- Researchers have proposed a financial intervention that can make paying off debt feel less painful and motivate you to pay more over time. It's all about small wins. ... (See Credit card debt)

Credit card theft: Most stolen card numbers come from EMV-enabled plastic -- A new study shows that the majority of stolen card numbers for sale on the dark web are still coming from "card-present" transactions, and almost all of them involve chip cards. ... (See Credit card theft )

If I buy an engagement ring with a new card, will my other credit limits drop? -- Getting a new card for a big purchase is not likely to spook your other card issuers into lowering your limits. However, you could see your credit score drop for a while, and the new debt may leave you vulnerable to financial shocks. ... (See Credit limit decrease )

Earn up to $2,000 bonus cash back with Spark Cash for Business cards -- See what new Spark Cash for Business intro bonuses can get you in rewards in the first year. ... (See Spark Cash Bonus)

Earn up to 200,000 bonus miles with Capital One Spark Miles for Business cards -- See how the new intro bonus on Capital One Spark Miles for Business cards can maximize rewards in the first year. ... (See Spark Miles Bonus)

2018 Retail Store Card Survey: Beware 30 percent APRs, ‘special’ financing -- Retail store credit cards' average interest rate is nearly five percentage points higher than general purpose cards, and many store-only cards have APRs near 30 percent, according to our 2018 Retail Store Card survey. ... (See 2018 Retail Store Card Survey)

Weekly rate report: Average card APR remains at record high of 17.14 percent -- November 14, 2018: The average APR for new credit card offers stayed put Wednesday, remaining at an all-time record high for the second consecutive week. ... (See Weekly rate report )

Small Business Credit Profile: Torqued -- Tim Trampedach turned his side hustle importing car racing seats into a full-time motorsports business. The company is not backed by venture capital or loans - instead, credit cards are fueling its race toward success. ... (See Small Business Credit Profile with Erica Sandberg)

Bank of America Cash Rewards vs. Chase Freedom -- Our comparison of the Bank of America Cash Rewards card and the Chase Freedom help you determine which card has more value for you. ... (See Bank of America Cash Rewards card vs. Chase Freedom card)

Is it worth it to transfer miles with the Capital One Venture card? -- We take a deep dive into how upcoming transfer options with the Capital One Venture card compare to other point transfer cards. ... (See Capital One Venture point transfer)

Rewards cards target sharing services, and their millennial fans -- As millennials embrace the sharing economy, card issuers are rolling out new cards or upgrading their rewards programs to offer benefits for using such services ... (See Rewards cards for sharing services )

How and when couples should share card rewards -- Sharing assets may be essential in a relationship, but it’s not always easy, especially when it comes to sharing credit card rewards ... (See Couples sharing card rewards)

Capital One launches travel transfer partners for Venture cardholders -- In addition to redeeming miles for travel, statement credits, gift cards or cash back, Capital One Venture Credit Card members can now transfer miles to 14 travel loyalty programs. ... (See Capital One Venture card)

Baggage delay: 5 steps to take when an airline loses your luggage -- If your bags are delayed so long that you must replace clothes or toiletries, both airlines and credit card insurance can pay for some of those expenses. Here's how to get reimbursed. ... (See 'Cashing In' With Tony Mecia)

Square: What products and services does Square support? -- Square supports a wide array of products and services, but not all of them. Before using Square, make sure to read the fine print and understand Square's limitations. ... (See Square)

60,000-mile sign-up bonus: An enticing piece of snail mail -- I recently received an interesting offer for an airline credit card with a 60,000-mile sign-up bonus. But after researching flights and reviewing my existing cards, I decided to pass on it. ... (See Wealth and Wants with Ted Rossman)

Southwest Rapid Rewards Shopping guide -- Our guide to Southwest's online shopping portal shows you how to earn extra Rapid Rewards points on many of your online purchases. ... (See Rapid Rewards Shopping)

Card-not-present fraud: How card brands, merchants are fighting it -- Issuers innovate to thwart cybercriminals, but the shift to mobile puts the onus on merchants to step up against card-not-present fraud. ... (See Fraud)

What accounts do you need to achieve a credit score over 800? -- Just having a fistful of credit cards is not going to get you into the 800-plus range. But different types of loan accounts, which require you to make a set payment each month, can show that you're disciplined with your debts. ... (See 'Keeping Score' Q&A with Steve Bucci)

American Express launches the new American Express® Business Gold Card -- The new American Express Business Gold card offers a four-point bonus on the top two categories where your business spends the most each month. ... (See AmEx Business Gold)

Free shipping: Credit cards, memberships, stores that offer it -- Getting free shipping on online purchases can be as easy as picking the right credit card – or shopping the right way. Here are a few options to get free shipping. ... (See Free shipping options)

Fed: Card balances fell by $300 million in September -- Credit card balances decreased in September, according to a federal government report released Tuesday. ... (See Consumer credit report )

Weekly rate report: Average card APR breaks new record, climbing to 17.14 percent -- November 7, 2018: The average credit card interest rate continued its record-setting streak on Wednesday, climbing to another all-time high. ... (more)

Can your issuer close your card based on your reputation? -- Your credit card issuer can cut off your account because you haven't used it in a while or you've racked up too many late payments. But there are also reports of cardholders' accounts being closed due to negative news about them. ... (See Card account closed due to negative news )

Small Business Profile: The Cup Bearer -- Justin Pasha had no credit when he launched his high-end mobile bar service. But then he got his first credit card, which has helped him build credit and carefully grow his business. ... (more)

Home renovation projects increasingly funded by credit cards -- New research shows homeowners looking to make over their backyards or revamp their dated kitchens are turning to credit cards instead of traditional lending options to finance their renovations. ... (See Credit cards for home renovation)

Lost your credit card overseas?: Here are your next steps -- Do you know what to do if your credit card is stolen or lost while traveling abroad? Fret not. These tips will help you reduce the impact of losing your card overseas and obtain a card replacement. ... (See Lost, stolen credit card while traveling abroad)

Redeem your Chase Ultimate Rewards for Apple products -- Chase's newly launched Apple Ultimate Rewards Store lets Sapphire Preferred, Freedom and Ink cardholders redeem their Ultimate Rewards points for Apple products. ... (See Chase Ultimate Rewards)

Credit card rewards: How to get started -- If you want to get started with credit card rewards, start by determining whether rewards cards are for you and finding the card that best fits your needs. These tips will help. ... (See Getting started with card rewards)

American Express Gold Card vs. American Express Green card -- The Amex Gold card carries a larger fee than the Amex Green card, its rewards can really add up if you spend a serious amount on food each year. See how the two cards compare. ... (See American Express Gold Card vs. American Express Green card)

Is Black Friday worth it? Credit card tips to amp up savings -- Is Black Friday worth it? That depends on what you want to buy – and your family's holiday shopping habits. Regardless, these tips can help you amp up savings. ... (See Is Black Friday worth it?)

High-annual-fee credit card: To renew or not to renew -- Premium rewards credit cards with a slew of benefits – and steep annual fees. Do the math to see if the perks you're using offset the cost of renewing the card. ... (See To renew or not to renew)

Immigrants may need good credit to stay in the U.S. -- Under a new proposal, the government would review the credit histories and credit scores of immigrants seeking visas or other status changes. But achieving a high U.S. credit score is an obstacle for many immigrants. ... (See Immigrants' credit scores )

0 percent card offers: A treat, not a trick -- If you have credit card debt, you shouldn't worry about rewards. You should instead focus on paying off your debt, and a balance transfer card with a 0 percent interest offer can help. ... (See Balance transfers )

Airline shopping portals that earn extra holiday miles -- If you do most of your shopping during the holiday season, airline shopping portals can help you earn extra miles and points to fund next year's vacation. ... (See Airline shopping portals )

Renting an apartment: Should I raise my score or save for a big deposit? -- If you have a low score and bad debts, you should try to resolve the debts as soon as possible. However, you may not have enough time to significantly improve your score if you're looking to move within the year. ... (See Apartment rentals and credit score )

Luxury hotel collections guide -- Luxury hotel collections associated with certain travel credit cards offer perks like free room upgrades and meals or late checkout. Here's how these hotel collections work and what cards you can use to unlock their benefits. ... (See Luxury hotel collections guide)

Capital One, Discover tighten credit limits, close dormant accounts -- Amid a rise in both interest rates and consumer debt, Discover and Capital One are tightening their grip on how much credit they're making available to consumers. ... (See Card issuers tighten credit availability )

Weekly rate report: Average card APR keeps climbing to record 17.11 percent -- October 31, 2018: The average credit card interest rate shattered another record this week. For the first time in at least a decade, the national average APR for new card offers hit 17.11 percent. ... (See Weekly rate report)

Friendsgiving guide: How to score savings using credit cards -- If you're celebrating 'Friendsgiving' instead of Thanksgiving this year, these tips will help you stay on budget, share costs with your friends and score credit card rewards. ... (See Rewards credit card Friendsgiving tips)

Mastercard aims to cut PVC from payment cards -- Mastercard has formed a partnership to cut down on the use of PVC in payment card production, and to ultimately reduce the carbon footprint of cards. ... (See Mastercard to cut PVC in card production)

Capital One Quicksilver vs. Capital One QuicksilverOne -- The Capital One Quicksilver and QuicksilverOne cards look deceptively similar -- there are major differences in the value of their rewards and who can qualify for each card. ... (See Capital One Quicksilver vs. Capital One QuicksilverOne)

Small Business Profile: Keep Yourself Smelling Sweet (KYSS) -- Renee Marshall-McKinley says credit cards have been instrumental to growing her line of affordable natural bath and body products. The secret, she says, is to charge frugally and redeem points and cash back strategically. ... (See Keep Yourself Smelling Sweet (KYSS))

Excellent credit, low income: Should you apply for a rewards card? -- If your credit is strong, but your income is low, you may be approved for a card with a low credit limit. ... (See Excellent credit, low income)

Chase Sapphire Preferred Card vs. Platinum Card from American Express: Which is best? -- When deciding between the Chase Sapphire Preferred Card and the Platinum Card from American Express, it's important to consider how much you travel and how important high-end perks are to you. ... (See Rewards cards)

Child identity theft on the rise -- Young adults often struggle to obtain credit due to a lack of borrowing history, but many are also hindered by identity theft that happened when they were kids. ... (See Child identity theft)

How to maximize your hotel rewards -- Hotel reward points can get you more vacation for your money, so it pays to know what your points are worth and how to supersize them. ... (See 6 ways to maximize hotel rewards)

How not to pick the wrong credit card -- A new study shows that most people are using the wrong piece of plastic for their spending. Here's how to avoid picking a card that's not the best fit for you. ... (See How not to pick the wrong card)

Why not accepting credit cards makes no business sense -- If you think your business is saving money by not accepting credit cards, think again. Paying credit card processing fees is less expensive than spending time chasing delinquent customers who only use old-fashioned payment forms, like checks. ... (See Not accepting credit cards)

Emergency funds and retirement: How to prepare for unexpected expenses -- Retirees living on a fixed income could be at risk in the event of an emergency expense. Here are some of your options if you don't currently have an emergency savings account. ... (See Emergency funds)

Millennials more likely to discuss credit card debt than older adults -- More than three-quarters of Americans say card debt is something they keep under wraps. However, millennials are more chatty about it than older adults. ... (See Millennials most likely to discuss card debt)

How my spouse one-upped me on her cards rewards strategy -- Once reluctant to join in on card rewards, my wife made some savvy cards rewards moves on a recent weekend getaway. ... (See Card rewards strategy)

Best no-annual-fee credit cards for holiday season -- Shopping for a new credit card just in time for the holidays? Here's a new generation of no fee rewards and cash back cards loaded with bonuses and perks, plus a few tips on how to get the most from them. ... (See New no fee credits cards for the holidays)

Delta SkyMiles Shopping guide -- Our guide to the Delta Skymiles Shopping portal offers tips and tricks on using the portal and maximizing your rewards. ... (See A guide to the Delta SkyMiles Shopping portal)

ABA: 3 in 10 cardholders pay their balances in full each month -- Three in 10 cardholders pay their balances in full each month, according to new data from the American Bankers' Association. It's the highest level since the group began tracking that data since 2008. ... (See ABA credit card market report)

Can I dispute a late payment that was my lender's fault? -- Accurate information generally can't be removed from your credit report, but you should dispute it if you think it was a mistake. If you can't get it removed, the credit score impact will fade over time and with consistent on-time payments. ... (See Late payment )

Capital One Venture vs. Capital One Quicksilver -- Are the Venture card's travel rewards best for you, are you better off earning cash back with the Quicksilver card or should you apply for both? Our comparison guide will help you decide. ... (See Capital One Ventures vs. Capital One Quicksilver)

Online shopping poll: Most consumers can't resist unplanned buys -- Nearly half of American consumers have made an unplanned internet purchase in the past three months, and one in seven have done so in the past week, according to a new poll. ... (See Online shopping survey)

Average card APR breaks new record, climbing to 17.08 percent -- October 24, 2018: The average credit card interest rate for new card offers climbed to another all-time high on Wednesday, hitting 17.08 percent. ... (See Weekly rate report)

Free breakfast, free dinner: Hotels that offer them, card tips to get them -- You can score major savings on your next trip by staying at a hotel that offers free breakfast – and dinner. Here's the list of hotels and rewards credit cards that give you access to free meals. ... (See Free breakfast and dinner at hotels)

Small Business Credit Profile: Bavaro's Pizza -- Dan Bavaro says credit cards were the special sauce he needed when opening his first pizza restaurant during the recession. ... (See Bavaro's Pizza)

Discover it Student Cash Back vs Discover it Student chrome -- Our card comparison guide helps you figure out the differences between Discover's student cards and to pick the best card for you. ... (See Discover it Student Cash Back vs Discover it Student chrome)

Updated Citi Prestige card now offers 5x points on dining and air travel -- Citi has announced several upcoming changes to the Citi Prestige card. Slated to launch in 2019, the updates will include a five-point bonus on dining and air travel purchases. ... (See Citi Prestige)

Agreeableness and your finances: Being too nice can cost you -- A new study shows people who score high for agreeableness are at higher risk for bankruptcy and other financial problems. Nice people also tend to have lower credit scores and less money. ... (See Agreeableness and your finances )

Guide to buying a car with your credit card -- Buying a car is one of your most expensive purchases, so if you can put that price on your credit card you can score a heap of points. ... (See Buy a car with a credit card)

Manufactured spending: Is it illegal? -- 'Manufactured spending' is an ingenious practice to earn credit card rewards, but it may be illegal or violate your card's terms and cause your card to get canceled. Here's what you should know. ... (See Manufactured spending: Pros, cons)

New "UltraFICO" score will focus on checking history -- For the first time, a FICO credit score will take into account how much money you have in the bank, instead of your credit history. ... (See New FICO score )

Card rewards strategy for planning a trip of a lifetime -- If you’ve never taken advantage of travel rewards before, you’ll need to give yourself ample time to make your first rewards-funded trip a reality. ... (See Trip of a lifetime)

Redeeming your credit card rewards for moments and experiences -- We have compiled an ongoing list of experiences and moments that can be purchased or bid on using credit cards rewards or cash. ... (See Credit card moments and experiences)

Same customer, multiple unsigned cards, different names: What to do -- If you have a recurring customer who pays with multiple unsigned cards under different names, there are ways to protect yourself from possible fraud. Here's how to proceed. ... (See Multiple unsigned cards, different names)

Credit card rewards: 5 things to do before the year ends -- The last quarter of the year is the time to make sure you're maximizing your rewards cards' annual earning potential. This to-do list will help you take advantage of all the bonuses and perks your cards can offer. ... (See Card rewards to-do list)

Why I wish I had a card with better travel protections -- After being stranded in the early morning hours due to a canceled flight, having a card with stronger travel protections would have come in handy. ... (See Travel protections)

Mobile card readers: Are they safe for small businesses? -- Mobile point-of-sale devices equipped with payment technology from companies such as Square and PayPal are convenient for small businesses, but are vulnerable to cybercriminals ... (See Mobile card reader security )

MOGL dining rewards program guide -- The MOGL dining rewards program includes a charitable twist and offers easy access to your cash back. ... (See MOGL dining rewards program guide)

Credit card billing cycles: How long can they be? -- There's not a limit to the number of days a monthly billing period can have, so you may end up having unusually long billing cycles. However, that doesn't mean you'll pay more interest in a year. ... (See Long billing cycles)

Citi balance transfer guide -- Considering a balance transfer to a Citi credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See How to transfer a balance to a Citi card)

Should I close high-balance card if offered a lower APR? -- If you close the card but continue to pay off the balance, your credit score won't change much for a while. However, moving the debt to a loan or a balance transfer card could help your score improve sooner. ... (See Close maxed-out card for lower APR? )

Zelle guide: How it works, how to protect your account -- Zelle, the easy-to-use person-to-person payment service now used by more than 100 banks in the U.S., is becoming increasingly popular -- but its simplicity may also make it vulnerable to fraud. ... (See Zelle guide)

New Air France-KLM card offers 25,000 bonus miles -- Bank of America and Air France-KLM have partnered to launch a co-branded airline rewards card. Along with its 25,000-mile sign-up bonus, the new Air France KLM World Elite Mastercard offers bonus miles on every purchase. ... (See Airline rewards)

American Express balance transfer guide -- Considering a balance transfer to an American Express credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See American Express balance transfer guide)

Discover balance transfer guide -- Considering a balance transfer to a Discover credit card? Here's everything you need to know, including card options, fees, restrictions and tips for improving your chances of approval. ... (See Discover balance transfer guide)

Debt's impact on mental health: How to rebuild your finances -- Debt and mental health issues can spiral into a dangerous cycle. Here’s what you can do to help boost your financial and overall health. ... (See Mental health and deb)

Weekly rate report: Average card APR remains at record high of 17.07 percent for second week -- October 17, 2018: The average credit card interest rate held steady at a record high this week, according to the Weekly Credit Card Rate Report. ... (more)

Small Business Credit Profile: Erin Pelicano Jewelry -- After a random Pinterest posting of one of her designs, orders surged. Pelicano turned to her credit cards to quickly fund the materials she needed to meet the onslaught of orders. ... (See Erin Pelicano Jewelry)

Last-minute holiday travel: Dos, don'ts, rewards cards tips -- If you waited till the last minute to plan a holiday vacation, here's how to score the best deals and use card rewards and loyalty programs on last-minute holiday travel. ... (See Last-minute holiday travel)

United MileagePlus guide: The best ways to earn and use United miles -- Read our comprehensive guide to United MileagePlus to learn about the best ways to earn, redeem and maximize United miles. ... (See United MileagePlus guide)

Best ways to redeem United miles -- Get a full overview on good and bad options for redeeming United miles, including Saver and Everyday Awards, travel, merchandise and more. ... (See Best ways to redeem United miles )

How much are United miles worth? -- See the pros and cons of United miles and how they compare to other miles and points programs. ... (See How much are United miles worth?)

United Airlines status: Benefits and how to earn status faster -- Our guide to elite status on United Airlines gives an overview of the benefits and ways to earn status, plus tips to earn status faster. ... (See United Airlines elite status benefits)

United Airlines partners -- See a list of United Airlines partners for opportunities to earn and redeem United miles and use your elite status benefits. ... (See United Airlines partners)

12 ways to earn more United Airlines miles -- You have many options for scorin ... (See 12 ways to earn more United Airlines miles)

A guide to United Club lounge access -- Our guide to United Club lounges gives an overview of United Club lounge features and locations, as well as ways to gain access. ... (See A guide to United Club lounge access)

How to book a United flight with miles -- Our step-by-step guide to booking award travel on United shows you how to book flights and how to get the best deal. ... (See How to book a United flight with miles)

Credit card rewards: How to share them with authorized users -- Earning rewards as an authorized user doesn't mean you're automatically entitled to use them – but you could negotiate a plan with the primary cardholder. ... (See Negotiating card rewards as an authorized user)

New American Express Gold Card: Is it worth it? -- American Express has launched an updated version of its Gold Card that offers bonus points on dining and can even be ordered in rose gold. Is it worth it? ... (See New American Express Gold Card: Is it worth it?)

Millennial homeownership hampered by high APRs, card balances -- A new study shows nearly three quarters of millennials rate homeownership as a "top priority." But rising interest rates and high card balances could keep many of them from making down payments on their first homes. ... (See Millennials and homeownership)

Booking through a travel portal: Avoid these mistakes -- Third-party travel sites are convenient and may offer great rates, but they might not always offer the best price or let you earn travel rewards. Avoid these booking mistakes by shop comparison first. ... (See Travel portal mistakes)

What you need to know about the Venmo debit card -- Venmo’s parent company, PayPal, has launched a new debit card that can be used anywhere Mastercard is accepted in the U.S. ... (See Venmo )

Merchants who accept PayPal, Venmo, Zelle payments: Pros, cons -- New payment options such as PayPal, Zelle and Venmo can be convenient for small businesses, but only with people you know and trust as they don't offer the same protections as credit cards, checks or ACH payments. ... (See New payment solutions for small businesses)

Mastercard announces real-time bill payment -- Mastercard announced a system coming in 2019 to pay bills almost instantly using new bank-to-bank payment infrastructure. ... (See Real-time bill payments)

Holiday shopping: Many consumers would give up their data for discounts -- A new survey shows the share of U.S. consumers who are reluctant to give up their data to a store for a holiday discount has fallen since last year, despite high-profile data breaches. ... (See Holiday shopping security)

Cash advance: Can interest charges continue indefinitely? -- If you don't want to pay interest on a cash advance indefinitely, make sure to pay the cash advance balance on your monthly statement in addition to the minimum payment. ... (See Cash advance interest charges)

Americans love their cash back credit cards -- A new survey reveals 43 percent of rewards card holders prefer cash back cards. ... (See Cash back rewards)

Identity theft insurance: Should you buy it from your home insurer? -- Identity theft protection from your home insurer can help you recover from fraud damage, but there are preventive measures you can take for free ... (See Identity theft insurance )

Millionaire with a low credit score: Options for improving -- If you have plenty of cash on hand to eliminate your bad debts, you should do it. But it still may not improve your credit score right away. ... (See Collection items and credit scores )

Venmo guide: How to send, receive money using Venmo -- Venmo is a peer-to-peer payment app owned by PayPal. Whether you're a Venmo aficionado or considering opening an account, here's what you need to know, including fees, security, privacy and card use options. ... (See Guide to Venmo)

Weekly rate report: Average card APR climbs to all-time record high of 17.07 percent -- October 10, 2018: The average credit card interest rate smashed another record this week, climbing to 17.07 percent – an all-time high. ... (more)

Small Business Credit Profile: Handyman Connection -- Lesson learned: Once Christian started charging thousands of dollars on his cards each month for his online home repair business, his large credit utilization prevented him from getting a line of credit. ... (See Small Business Credit Profile: Handyman Connection)

5 great Thanksgiving trips, and how to save on them with rewards -- Want to take a family vacation instead of the traditional dinner at home this Thanksgiving? Here are five great destinations, and how you can save on travel costs with credit card rewards. ... (See Thanksgiving travel )

Camping trip? Maximize savings using rewards credit cards -- From gear and supplies to campground fees and travel expenses, there are multiple ways to stockpile points, miles or cash back on a camping trip. The key is to use the right rewards credit cards. ... (See Camping trips credit card tips)

Millennials manage spending, debt better than older generations -- A new study shows millennials are outdoing their parents' and grandparents' generations when it comes to keeping spending and debt in check. ... (See Millennials' money habits)

Split cost of high annual-fee rewards card with relative: Pros, cons -- Sharing the cost of a pricey high-end rewards credit card with an authorized user can make sense, but only if you trust their financial habits. ... (See Sharing cost of high-end rewards credit card)

2018 Credit Card Fee Survey: Fees freeze as rates rise -- Cardholders are most likely to pay fees if they pay late, take out a cash advance or carry a balance, according to the 2018 Credit Card Fee Survey. ... (See 2018 Credit Card Fee Survey)

Credit card surcharges: How they work, rules -- Many businesses impose surcharges when customers use a credit card for under a certain amount. However, there are laws in place to protect you from being charged extra unfairly. ... (See Credit card surcharges)

Student ID cards moving into mobile wallets -- Apple is opening its mobile wallet to college IDs that students also use as payment cards ... (See College IDs in mobile wallets)

5 steps to make sure your cards' credit limits are vacation-ready -- Heading out of town? Make sure your credit limits are high enough to cover any surprises and costs while traveling. ... (See Credit limits)

Booking flights: When to pay cash, when to redeem miles -- How do you decide when it is worth spending miles on airfare rather than paying cash? Here are three reasons to pay a flight with cash, three to redeem miles instead, and three scenarios where paying with miles and cash is the way to go. ... (See Pay airfare with cash versus miles)

Card balances rose $4.8 billion in August, Fed report shows -- Revolving debt -- chiefly credit card balances -- grew at a 5.6 percent annual rate in the back-to-school shopping month, according to the Federal Reserve ... (See Consumer credit report)

Why credit card annual fees scare me -- Many cash back cards give you free money without having to worry about a surprise annual fee added to your balance. ... (See Credit card annual fees)

Business credit cards: Easier to get than you may think -- Whether you have a small business with a few employees or you're a gig economy worker, you shouldn't have much trouble getting a business credit card. ... (See Business credit cards)

Crowdfunding credit card debt: Pros, cons -- You can crowdfund your credit card debt online, but the success rates are low and there are quite a few rules and risks to consider. ... (See Crowdfunding credit card debt)

Credit card delinquencies fell in Q2 2018, ABA says -- Late payments on bank-issued credit cards edged below 3 percent of accounts in the second quarter of 2018, the American Bankers Association said. ... (See Credit card delinquencies down)

Guide to managing finances after a brain injury -- Brain injuries (include stroke) can cause cognitive issues that make managing finances difficult for recovering patients. This guide outlines how loved ones can help and how patients can streamline the financial management process. ... (See Guide to managing finances after a brain injury )

New credit card has high APR: Should I cancel it? -- Closing a new credit card can have a negative effect on your credit score. Instead, ask your issuer to lower the APR and avoid carrying a balance on the card. ... (See Close credit card with high APR?)

How to prepare for a trip to a hurricane-prone area -- Fall is a great time to travel, but you could end up in the path of a hurricane depending on where you go. Here's how to prepare for an emergency and how credit card perks can help you adjust your plans ... (See Hurricane travel preparations)

AmEx Gold Card's enhanced 4-point bonus for foodies -- Along with a four-point bonus at U.S. supermarkets and U.S. restaurants, the new American Express Gold card offers a $120 annual dining credit (enrollment required). ... (See American Express Gold Card)

Weekly rate report: Average card rate climbs to 17.01 percent -- October 3, 2018: The average credit card interest rate climbed past 17 percent Wednesday for the first time since August, according to the Weekly Credit Card Rate Report. ... (more)

Small Business Credit Profile: Stick & Ball -- With credit cards, Elizabeth Goodwin Welborn found she could quickly pony up the necessary capital to expand her polo-themed retail operation. ... (See Small Business Credit Profile: Stick & Ball)

Small business guide: Get ready for holiday shopping season using credit cards -- If you have a small business, it's time to get ready for the holiday shopping season. Credit cards can save you money on expenses like advertising, shipping and even system upgrades to avoid fraud and chargebacks. ... (See Small business: Get ready for holiday shopping season)

Credit freeze: Less hassle than you may think -- If you feel daunted by financial tasks, you may put off freezing your credit, even though it's now free. But a credit freeze is faster and easier than you may think. ... (See Credit freeze )

Pay taxes with credit card to earn rewards: Is it worth it? -- Paying taxes with a credit card qualify as a purchase, which means you'll earn rewards. However, the fees you'll have to pay will most likely wipe out any value on those rewards. Do the math first. ... (See Paying taxes with a credit card)

Weekend getaway guide: Make the most of a quick trip using credit cards -- Looking forward a weekend getaway? Start by picking the right time and destination and take advantage of the rewards and perks offered by your credit cards for a perfect trip. ... (See Weekend getaway guide)

The Discover Deals program is coming to an end -- Discover cardholders can earn discounts through the Discover Deals mall until Oct. 31, 2018 ... (See Discover Deals program is ending)

Cash back cards: How much can you really make? -- The appeal of cash back cards is that they are simple, but how much can they augment your income? Four cardholders share their card strategies. ... (See Cash back rewards)

Electronic receipts: Can retailers issuing them instead of printed receipts? -- If you're a small business considering issuing electronic-only receipts, start by checking what local and state laws dictate. But you should also consider any possible privacy and liability concerns. ... (See Electronic versus printed receipts)

Hotel stays: When to pay cash, when to redeem points -- How do you decide when it is worth spending points on a hotel stay rather than paying cash? Here are three reasons to pay a hotel room with cash, and three scenarios where redeeming points may make more sense. ... (See Paying hotel stay cash versus redeeming points)

Why Amazon Prime isn't worth the fee -- Our $3,000 annual Amazon spend would reap us a whopping $33 in cash back after paying the Prime fee if we have the Amazon Prime Rewards Visa Signature card. ... (See Amazon Prime)

Business cards: 3 reasons you need them, 3 you don't -- Reasons you need a business card include you travel a lot. Reasons you don't include your finances are already stretched thin. ... (See Business credit cards)

Credit card debt: Making a payment doesn't stop collection lawsuit -- Why making a payment on an overdue debt is the wrong thing to do when facing legal action. ... (See Making payment on overdue card debt)

Running a business from home: How to save using business credit cards -- Are you a freelancer, blogger, consultant or entrepreneur working from home? The right business credit card can help you save hundreds of dollars a year in expenses. ... (See Running a business from home: Credit card tips)

Should I cancel a card from a store I no longer shop in? -- Even if you no longer visit the store that issued the card, keeping it open is better for your credit score than closing it ... (See Store cards and credit scores )

Credit card APRs to rise as Fed raises rates again -- The Federal Reserve increased its benchmark interest rate by a quarter point on Wednesday to keep inflation in check ... (See Fed raises rates for the third time in 2018)

Weekly rate report: Average card rate registers at 16.92 percent for fourth week -- September 26, 2018: The average credit card interest rate didn’t budge Wednesday, according to the Weekly Credit Card Rate Report. ... (more)

How you can support breast cancer awareness -- With October just around the corner, many stores are busting out the pink apparel. Here are ways you can go beyond wearing pink to support Breast Cancer Awareness. ... (more)

Small Business Credit Profile: Thompson Tee -- Sweat equity and high card limits brought co-owner Billy Thompson's t-shirt business concept into the black. ... (See Small Business Credit Profile: Thompson Tee)

Traveling with kids: Tips for maximizing card rewards, hotel points, miles -- Traveling with children in tow isn't always a picnic. Fortunately, you can take advantage of card rewards, frequent flyer programs and hotel loyalty programs to make that family vacation a breeze. ... (See Traveling with kids: Card rewards tips)

How many high-end annual fee cards is too many? -- Some people have a handful of high annual fee credit cards. Why? It's all about the perks. ... (See High-end annual fee cards)

Using miles to book holiday flights: Options, when to buy -- Time is of the essence when it comes to booking flights for traveling around the holidays. Here are three ways to use miles or points on holiday flights. ... (See Using miles on holiday travel)

Average FICO score reaches all-time high of 704 -- The average FICO score among U.S. consumers has reached an all-time high of 704, according to a new FICO report ... (See Average FICO score )

Child support: It's getting easier to pay by credit card -- A growing number of counties are trying to make child support payments more convenient and reliable for recipients by enabling credit card payment ... (See Child support payments via credit card)

Credit card processing fees: Calculate total revenue when your business accepts cards -- If your business accepts credit cards, credit card processing fees won't affect the 'total revenue' of a transaction -- but they do affect your 'profit.' Here's how to enter card processing fees in your books. ... (See Total revenue and card processing fees)

Travel tips for cash back cardholders: Earn cash back on travel -- If you'd like to earn travel rewards but prefer the simplicity of a cash back card, we have you covered. These tips will help you save on travel by using the right cash back cards. ... (See Cash back for travel)

Hurricane Florence: Banks offer relief to cardholders in storm-affected areas -- Banks and credit card issuers are waiving credit card late fees and out-of-network ATM fees and some are offering to increase credit card limits to help customers in storm-hit areas. ... (See Hurricane Florence relief )

How to freeze your credit now that's it's free -- Starting Sept. 21, credit freezes will be free in all 50 states. Here's how to put the ice on potential fraudsters. ... (See How to do a credit freeze)

Discover’s new business card pays 1.5 percent cash back on every purchase -- The Discover it Business card is a great option for business owners who want a straightforward approach to earning rewards. In addition to offering 1.5 percent cash back on every purchase, the card matches all the cash back you earn in the first year. ... (See Discover it Business)

Baggage delay, trip delay: Credit card tips for maximizing benefits -- Baggage delay and trip delay insurance are two credit card benefits that can save you hundreds of dollars on your trip. Here's how to make the most of both perks. ... (See Baggage, trip delay credit card tips)

Paying off credit card in full by mistake: Can you get a refund? -- If you paid your credit card balance in full accidentally, card issuers will generally refund the amount over the minimum payment due -- but the refund may take longer than you'd like. ... (See Paid card balance in full by mistake)

Debt settlement: Can I still qualify for a construction loan? -- Settling a debt for less than you agreed to pay can damage your credit score for years. And a construction loan generally has more stringent requirements than a standard mortgage. ... (See Debt settlement and credit scores)

European river cruises: How to cut costs, hassles of trip -- When traveling to Europe for a river cruise, for business or just vacation, pack a card with credits for Global Entry and that charges no foreign transaction fees. ... (See Cut river cruise costs)

Earn 60,000 bonus Ultimate Rewards points by opening a Sapphire Banking account -- Chase's new checking account - Sapphire Banking - offers Sapphire Preferred and Sapphire Reserve cardholders 60,000 bonus points. ... (See Chase Sapphire Banking)

Weekly rate report: Average card rate remains at 16.92 percent for third week -- September 19, 2018: The average credit card interest rate held steady Wednesday, according to the Weekly Credit Card Rate Report. ... (more)

Rewards points stolen: What to do, how to protect your accounts -- Your credit card, airline or hotel rewards could be a target for theft. Here's how to protect your rewards points and what to do in case they are stolen. ... (See Rewards points stolen)

Small Business Credit Profile: The Spot Barbershop -- Co-owner JC Perdomo is relieved he has graduated from leaning on loan sharks to credit cards to help fund his growing business. ... (See Small Business Credit Profile: The Spot Barbershop)

Airline dining programs: How to earn the most miles while dining out -- Dining programs are an often-overlooked technique to earn airlines miles. Here's how to earn the most miles while you dine out. ... (See Use dining programs for airline miles)

Marriott Rewards guide: Maximize Marriott points -- Our Marriott Rewards guide gives a complete overview of the new Marriott Rewards program, including what Marriott points are worth and how to earn and redeem points for the most value. ... (See Marriott Rewards guide: The best ways to earn and use Marriott points)

Transferring Marriott points -- The updated Marriott Rewards program lets you transfer points to more than 40 airline partners at a good value. Get an overview of the options, including value estimates per partner. ... (See Transferring Marriott points)

Best ways to redeem Marriott points -- Get an overview of your redemption options with Marriott, including free nights, upgrades, merchandise, Marriott Moments and more. ... (See Best ways to redeem Marriott points)

Marriott credit cards: Which Marriott card is best for you? -- We give an overview of cards that earn Marriott Rewards points to help you figure out which card is best for you. ... (See Which Marriott credit card is best for you?)

12 ways to earn Marriott points -- Get an overview of the 12 best ways to earn Marriott points quickly. ... (See Earn Marriott points)

Elite status benefits with the new Marriott Rewards program -- An overview of what's changed with Marriott elite status benefits and how to earn valuable hotel perks faster. ... (See Marriott elite status)

How much are Marriott points worth? -- See why Marriott Rewards points are extremely versatile and valuable. ... (See Marriott points value)

Swipe fee settlement: Visa, Mastercard agree to pay merchants $6.2B -- Visa and Mastercard have agreed to pay merchants up to $6.2 billion to settle a years-long lawsuit over swipe fees. A similar agreement was rejected by a federal court in 2016. ... (See Swipe fee settlement)

Chase considers rewarding customers for boosting credit scores -- Chase CEO Jamie Dimon has hinted that his company might soon reward customers for improving their credit scores. Could other banks follow suit? ... (See Credit score gamification)

Hurricane Florence: How you can help -- Not sure how you can help in the aftermath of Hurricane Florence? Here are local and national organizations you cardholders can help through donations. ... (See Hurricane Florence: How you can help )

How credit cards track criminals -- Credit cards can lead -- and have led -- law enforcement officers to suspects. Often it takes a subpoena to get police and card issuers to work together to find a wanted individual, private detectives say. ... (See How cards track criminals)

Travel insurance: Splitting trip cost between two credit cards -- If you want to split the cost of a trip between two rewards credit cards, you might, or might not, receive full travel protection from both. To find out, read the terms and conditions of each card, or contact your issuer. ... (See Splitting travel cost between two cards)

Business credit card debt: When startup partnership goes wrong -- Dealing with business credit card debt following a startup partnership gone wrong? Start by seeking legal help. If you're personally responsible for the debt, you may have to make minimum payments on the card until the matter is resolved. ... (See Business card debt from startup partnership)

More card issuers offering virtual card numbers to cut fraud risk -- Virtual account numbers have been around for years, but they're being used more now in the wake of the massive Equifax hack. ... (See Virtual account numbers)

Many millennials check their credit scores on their phones -- Nearly half of U.S. millennials use their smartphones to check their credit scores. And a majority of young adults use their phones for a variety of other financial activities. ... (See Millennials' mobile money management )

Chase Sapphire Reserve card removes three program benefits -- The Chase Sapphire Reserve card underwent a handful of program changes in August 2018. But Even with the removal of the three benefits, the Sapphire Reserve card continues to offer a variety of premium travel perks. ... (See Chase Sapphire Reserve)

Small purchases: Many rewards cardholders still use cash instead of cards, poll finds -- Rewards credit cards can help you save money on big and small purchases, but many consumers prefer to plunk down cash when spending less than $10, according to a new poll ... (See Small purchases and credit cards poll )

Credit card company asking for my income: Why, what you should do -- Telling your income is mandatory on a card application, but voluntary once you have been approved. However, card issuers need income information to offer you a credit limit increase under Credit CARD Act rules. ... (See Card company questions about income)

Young adults shouldn't wait too long to get started with credit -- Waiting until you're 25 to apply for your first card can slow down the path to adulthood, such as qualifying for a car loan or apartment lease. ... (See Getting started with credit)

How AI is being used to help consumers cut their debt -- Fintech startups are using artificial intelligence and machine learning to analyze users' personal histories and offer them lower rate loans than they may otherwise be able to get ... (See AI helps consumers cut debt)

With cards, your fingerprint, voice and face will verify your ID -- Credit card networks and issuers are testing and rolling out cards that use fingerprints and facial recognition as identification to verify payments. ... (See Biometrics and credit cards)

How to build credit if you can't get a secured card or personal loan -- You can't change negative information in your credit report, but you can add some positive data. Here are a few options if you can't get a secured card or a personal loan. ... (See Building credit )

Business credit card application denied: Why, what to do -- If your application for a business credit card was turned down, don't despair – you have options. First you need to understand why you were denied. ... (See Business credit card application denied)

Why the Chase Sapphire Preferred is a great first travel card -- With so many travel cards on the market, deciding on the right one can be a daunting task – especially if you are a first-time travel rewards cardholder. Read on to why we think the Chase Sapphire Preferred card could be the right choice for you. ... (See Travel rewards)

Weekly rate report: Average card rate stays put at 16.92 percent -- September 12, 2018: The average credit card interest rate didn’t budge Wednesday, according to the Weekly Credit Card Rate Report. ... (more)

Small Business Credit Profile: PianoPiano -- Sarah Binder Mehta took the helm of her family's business in 2014. She uses American Express and Capital One business cards for day-to-day expenses, travel and employee holiday gifts. ... (more)

Fall destinations: Where to go, how to fly for free with points -- You can find cheap flights to great destinations in the fall, and use points to travel nearly for free ... (See Best places to travel in fall )

Should you use a credit card as your emergency fund? -- Credit cards come with myriad benefits, such as rewards and consumer protections, and can be a financial lifeline on rare occasions. ... (See Credit card emergency fund )

Low-fare flights: When fees are charged for paying with credit card -- If you buy a low-cost flight through an online travel agency, you might be charged a fee for paying with credit card -- even if the agency claims to have no "hidden" fees. ... (See Card fees on low-cost flights)

Full-time RVers: Credit card tips for saving money -- Full-time RVers can save money as they wander across the country by choosing the right credit card, budgeting wisely and leveraging loyalty programs and coupons. ... (See Credit card tips for RVers)

Fed: Balances on cards rose in July -- Credit card balances rose at a 1.5 percent annualized rate in July, the Federal Reserve said, reversing a decline the previous month. ... (See Consumer credit report)

AARP study: Consumers putting themselves at risk of fraud -- A new study by AARP finds only 4 in 10 American adults have set up online access to all their bank accounts, and only 57 percent have done so with their credit card accounts ... (See AARP digital risk survey )

Equifax breach one year later: What has changed, how to protect yourself -- September 2018 marks the first anniversary of Equifax's massive breach, which prompted calls for tougher security. Continuing hacks, however, prove that breaches won't cease. ... (See Equifax data breach one year later)

New Shell Fuel Rewards cardholders can save 30 cents per gallon for a limited time -- For a limited time, new cardholders who apply by Feb. 28, 2019, can save 30 cents per gallon on qualifying Shell fuel purchases. ... (See Gas rewards)

Employee gas expenses: How to reduce charges on company card -- If you run a small business and your employees are charging gas on the company card more than they should, you have options. Here are three ways to encourage employees to spend less on gas. ... (See Employee gas expenses on company card)

All-inclusive vacations: How to book with rewards points -- Ready to check in and relax at a resort without having to worry about paying for any extras? Here's everything you need to know about booking a stay at an all-inclusive hotel using rewards points. ... (See All-inclusive stays using rewards)

Payment allocation: How to make a card payment and a purchase the same day -- A payment that comes in the same day as a purchase should be applied to the purchase, if the purchase balance has the highest interest rate. ... (See Make card payment and purchase the same day)

Easy ways to save money with your credit cards -- Taking an extra minute or two to browse through your card's online shopping portal can yield even more cash back. ... (See Easy ways to save money)

Surprising credit card travel exclusions -- Your credit card's travel insurance may not cover injuries sustained while taking part in a protest or riot, driving under the influence, skydiving, or due to a pre-existing medical condition. ... (See credit card travel insurance exclusions)

Managing the costs of women's preventative healthcare -- With insurance coverage for women’s healthcare a hit or miss depending on your location, insurance provider and employer, many women are wondering what the potential costs could be if they aren’t covered. ... (See Managing health care costs)

How many credit cards do you need to get a mortgage? -- With just one card you may not be able to get a FICO credit score and qualify for a mortgage, but there are some simple things you can do to build up your credit profile ... (See Credit cards and mortgage approval)

Ultimate points and miles guide for backpackers -- Budget travelers who know how to make the most of their credit card rewards programs can save on outdoor excursions, get free stays in hostels while in Europe or score free gear for their Appalachian Trail hiking trip. ... (See Points and miles guide for backpackers)

Which credit cards offer cellphone insurance? -- A handful of credit cards offer cellphone protection covering loss or damage. Policy details and exclusions vary, but, in general, you must use your credit card that includes the coverage to pay your cellphone service provider's bill. ... (See Credit cards and cellphone insurance)

Weekly rate report: Average card rate rises to 16.92 percent -- September 5, 2018: The average credit card interest rate inched up Wednesday, according to the Weekly Credit Card Rate Report. ... (more)

Small Business Credit Profile: Good Start Packaging -- With tens of thousands earned in cash back, owner Ken Jacobus applied those funds to provide health insurance for his employees. ... (See Good Start Packaging)

Best cards for free flights to Europe in fall -- If you're lucky enough to be able to travel to Europe during the fall, these travel cards can help you get there nearly for free ... (See Fall travel to Europe)

Why some people prefer cash back over travel rewards -- Some former travel reward aficionados have switched to cash back cards. Why? With cash back, you're not tied down by rules, dates, partner hotels and airlines. ... (See Cash back is king)

Upgraded Navy Federal Flagship card offers a 50,000-point sign-up bonus -- Navy Federal Credit Union has launched an enhanced version of its Visa Signature Flagship Rewards card that's perfect for travelers and commuters. ... (See Travel rewards)

CareCredit mobile app: New features, but a high APR -- CareCredit has rolled out a new mobile app that allows you to pay for medical procedures without having your card, but consumer advocates warn against getting the card in the first place ... (See CareCredit mobile app )

College football fans would cut back on dining, coffee to fund fandom -- A new survey by SunTrust Banks reveals nearly half of college football fans would stop dining out in order to fund one season of fandom ... (See College football fandom )

Fall food festivals: Credit card tips for reaping rewards -- Food festivals are a great opportunity to indulge in all things tasty – but they can also satisfy your craving for rewards. Use these tips to earn maximum savings on food fairs this fall. ... (See Fall food festival credit card tips)

Close airline credit card: How long you should wait to apply again -- Interested in applying for the same airline credit card you closed in order to reap a sign-up bonus? Some card issuers offer no restrictions, but you might want to consider other card options first. ... (See Applying for airline card you closed)

Surprise medical bills: How to avoid charges on card-on-file -- Medical offices are getting broad authority to charge your credit card long after you visit from an obscure clause in their patient agreement forms. Here's how to avoid surprise charges. ... (See Avoid surprise medical charges on card-on-file)

Free credit freezes for all 50 states -- A credit freeze means you can stop anyone from opening new credit in your name and soon it won’t cost you a penny. ... (See Free credit freezes)

A caregiver's guide: Finance protection for those with Alzheimer's -- For someone with a diagnosis of Alzheimer’s disease, preventing identity theft and maintaining good credit can seem impossible. ... (See Caregiver's guide)

How multiple loan inquiries impact new card approval -- Multiple loan inquiries shouldn't hurt your score much if they occur within a short time period. If your score is below 700, you may want to build it up before applying for a rewards card ... (See Multiple loan inquiries)

Artificial intelligence: How AI is changing credit cards -- Artificial intelligence is changing credit card rewards and powering financial tools to help you save more, stick to a budget and pick the perfect hotel based on past preferences. ... (See AI and credit cards)

A complete guide to airline companion passes -- Companion passes and fares offer a great opportunity to cut the cost of traveling for two. For a breakdown of the most common companion passes, including what they offer and how to earn them, read on. ... (See Companion passes)

Weekly rate survey: Average card rate falls to 16.91 percent -- August 29, 2018: The average credit card interest rate dropped below 17 percent Wednesday for the first time in almost a month ... (more)

Small Business Credit Profile: Cowboy Cricket Farms -- A couple of credit cards funded an edible insect business whose products are carried in nearly 50 retailers throughout the country. ... (See Small Business Credit Profile: Cowboy Cricket Farms)

5 great no-annual-fee cards for travel -- There are several no-annual-fee rewards cards that offer cash back on travel-related spending or can help you rack up points for future trips ... (See No-annual-fee cards for travel )

Delta SkyBonus, United PerksPlus and other business frequent flyer programs: How they work -- Business frequent flyer programs such as Delta SkyBonus, United PerksPlus and American Airlines Business Extra, among others, can unlock valuable savings on flights for your company. Here's how they work. ... (See Business frequent flyer programs)

American Airlines AAdvantage guide: The best ways to earn and use AAdvantage miles -- Our detailed guide to the American Airlines AAdvantage program tells you everything you need to know about earning and redeeming AAdvantage miles. ... (See American Airlines AAdvantage guide)

Best ways to redeem AAdvantage miles -- We give an overview of redemption options with AAdvantage miles, including MileSAAver awards, flight upgrades, gift cards and more. ... (See Best ways to redeem AAdvantage miles)

American Airlines elite status benefits -- We offer an overview on elite status benefits with American Airlines and how to earn status faster. ... (See American Airlines elite status)

American Airlines partners -- See a full list of American Airlines partners for earning and redeeming points and using your elite status. ... (See American Airlines partners)

A guide to American Airlines Admirals Club membership -- Our guide to Admirals Club lounges offers a full list of lounges and ways to gain access. ... (See American Airlines lounge access guide)

10 ways to earn American Airlines miles -- See our list of the best ways to earn American Airlines miles quickly. ... (See Best ways to earn AAdvantage miles)

How to book an American Airlines flight with miles -- Travel expert, Jason Steele, offers tips on how to book a flight with AAdvantage miles and how to maximize your miles. ... (See Booking an American Airlines flight with miles)

How much are American Airlines miles worth? -- You can fly far on AAdvantage miles, but only if you're able to work around limited award space. ... (See American Airlines miles value)

Credit card rewards and cardholder satisfaction statistics -- Rewards are key factor in cardholder satisfaction, with cash rebates being the most popular form of reward ... (See Stats)

Credit scores and car insurance: Bad credit means a higher premium -- Residents of some states may pay double or triple for auto insurance if they have poor credit, compared to drivers with excellent credit ... (See Credit scores and car insurance)

Crypto cash back card rolls out in Europe -- Revolut's Metal card will offer cash back in the form of traditional currency or cryptocurrency, along with perks such as concierge service and travel insurance ... (See Crypto cash back card)

Credit card limit decreased? Why it happens, and what to do about it -- A credit limit decrease can happen because your spending habits changed, or if your good credit is mixed up with someone else's bad credit ... (See Credit limit decrease )

Chase Slate vs. Chase Freedom Unlimited: Which is best? -- If you want to transfer a credit card balance, the Chase Slate card and the Chase Freedom Unlimited card both offer appealing benefits. See which card comes out on top when compared side by side. ... (See Balance transfer cards)

Redeeming miles as an authorized user: Can you take over spouse's airline credit card? -- If you are an authorized user on an airline credit card, you can't become the primary cardholder. If you want to use the miles on the card, however, you have options. ... (See Redeeming miles as an authorized user)

Guide to responsible credit card use in college -- Responsible credit card use in college can help ensure a more secure financial future. ... (See Credit card use in college )

The complete guide to saving money on your commute -- Credit card rewards, employer reimbursement and other commuter tips can help you save money. ... (See Save money on your commute)

Guide to managing finances with ADHD -- Tips to help offset the symptoms of ADHD that make money management difficult. ... (See Guide to managing finances with ADHD )

Your personal data is being sought by a new set of actors -- Companies such as Google and Facebook have been collecting our data for years, but now a whole new set of actors wants to know more about who you are ... (See Credit card data)

Best credit cards for Airbnb -- Are you an Airbnb loyalist looking to earn rewards points on your stays? Look no more. These are the best credit cards to use on Airbnb. ... (See Best credit cards for Airbnb)

Credit card small business expense reports: How to get them, maintain them -- If you need an expense report from your small business, your credit card issuer might offer an annual summary in PDF form. You have other options, too, including monthly card statements and apps. ... (See Small business expense reports)

Travel rewards: Use your hobbies to earn miles, points -- If travel is your main passion but you also have other hobbies, why not put them to good use to earn miles, points and rewards? ... (See Fund travel with hobbies)

How one-time expenses can blow your budget -- Don't let those one-time expenses torpedo your budget. One way to keep track of the extraneous purchases is through your credit card statements. ... (See One-time expenses)

Should you pay college tuition with a credit card? -- Many people use credit cards to pay tuition because it's convenient and it can earn rewards. But it can be a costly move. ... (See Pay for college with credit card)

Credit card payments: How quickly they should be reflected on your account -- Bank regulations dictate that banks should post your payment on the day they receive it. However, payment methods and bank policies determine how quickly that can happen. ... (See Credit card payments)

Authorized user account hurt my wife’s credit. Can we erase it? -- Adding authorized users to a card account that has high utilization can harm their credit. ... (See Authorized user's credit score )

Labor Day sales: Credit card tips for maximizing savings -- Looking for the best Labor Day sales? These tips will help you maximize savings by using the right credit cards, shopping apps and online tools. ... (See Labor Day sales credit card tips)

New Starwood Preferred Guest Luxury card offers 100K-point bonus -- Along with a 6-point bonus on SPG and Marriott hotel stays, the new Starwood Preferred Guest® American Express Luxury Card features a limited-time, 100,000-point welcome bonus. ... (See Starwood Preferred Guest)

Rate survey: Average card rate holds steady at 17.03 percent -- August 22, 2018: The average credit card interest rate remained unchanged Wednesday after rising steadily for more than two consecutive months ... (more)

Small Business Credit Profile: Valeria Fine Jewelry -- Valeria Fine Jewelry owner Lucas Horton explains how he learned from past credit card mistakes and how he leverages business cards to earn hundreds of dollars in cash back every year. ... (See Small Business Credit Profile: Valeria Fine Jewelry)

Explain credit scores to kids: What they are, how they work -- It's never too early to start teaching your kids about money – and credit scores, experts say. These tips will make it easier for you to have this important conversation with your family. ... (See Kids and credit scores)

New Capital One Savor card: Is it worth it? -- Capital One unveiled an upgraded version of its Savor card, which comes with high bonuses on dining and entertainment, a generous sign-up bonus – and an annual fee. Is it worth it? ... (See New Capital One Savor card)

College students: How to earn miles, hotel points, credit card rewards -- It's never too early to start earning points, miles and rewards. Despite age and credit limitations, here's how college students can combine cards, loyalty programs and other tools to save money on travel and everyday expenses. ... (See College student's guide to earning points, miles, rewards)

How to stack your rewards at the gas station -- Charging your fill-ups earns credit card rewards points or cash back, and when you add fuel rewards programs and gift cards you can save even more at gas stations. ... (See Stack your rewards at gas stations)

How credit score simulators can help your score -- A growing number of banks, credit reporting companies and other financial services providers offer interactive credit scoring tools ... (See Credit score simulators)

Carry a balance on credit card: Why we do it, how to break the habit -- Carry a balance on a credit card is risky, but it's not uncommon. Here are some reasons why we do it, and how you can break the habit ... (See Why we carry balances)

Can you charge a card without customer approval? -- Charging a card on file before asking the customer for approval can backfire. These are your options for getting paid without hurting your business. ... (See Charge card on file without approval)

Earning and Using Citi ThankYou Points -- Our Citi ThankYou guide gives a full overview on the best ways to earn and redeem ThankYou points. ... (See Earning and using Citi ThankYou points)

Single woman’s guide to a mortgage-worthy credit profile -- A strong credit profile is critical to your financial independence. Here's how you can build credit and get it in the best shape to secure a home loan ... (See Single woman's credit guide)

Study: Credit cards carry more types of bacteria than coins, cash -- There's a good chance your credit card carries nasty bugs that can cause infections and food poisoning, but it's not likely to make you sick ... (See Credit card germ study )

What's in my wallet? My cash-back strategy --'s industry analyst Ted Rossman shares his cash-back strategy and what cards he may add to his wallet next. ... (See Cash-back strategy)

Multi-attraction passes help you save on big city travel -- Multi-attraction passes in places such as New York City, Rome and Southern California can help you save money and skip long ticket lines. ... (See Multi-attraction passes)

Chase and Korean Air SkyPass to end partnership -- If you want to transfer your Chase Ultimate Rewards points to Korean Air SkyPass, you have until Aug. 24, 2018 to do so. ... (See Chase Ultimate Rewards)

Privacy rights: As banks talk with Facebook, time to review opt-out options -- With Facebook seeking customer data from banks, federal privacy protections let you opt out of some data sharing by financial institutions. ... (See Review privacy rights)

Hotel birthday bonuses and credit card perks can help you save on your trip -- If you have a birthday coming up, you're eligible for countless hotel and travel perks. If you have a co-branded credit card or are part of a hotel loyalty program, you can save even more. ... (See Hotel birthday bonuses and card perks)

J.D. Power Satisfaction Survey 2018: Discover reclaims top rank -- Rewards programs are a top factor on people's satisfaction with credit cards, JDPower's annual survey found. In 2018, Discover reclaimed the top position, with American Express in close second. ... (See J.D. Power customer satisfaction survey)

How soon will my credit score recover from a collection item? -- A collection item stays on your credit report for up to seven years. After you pay it off, be sure to keep your other card balances low or pay them down to zero ... (See Collection items and your credit score)

No-annual-fee cards that make it easy to earn rewards for travel -- These five low-maintenance no-annual-fee cards have no annual fee and require little or no work to earn steady rewards. ... (See Low-maintenance cards)

How to upgrade your card with the same issuer -- Upgrading can allow you to get a better card in one easy transaction and possibly without the credit ding of a hard inquiry. ... (See Upgrade your card)

Orbitz Rewards Dining Guide -- Our guide to the Orbitz Rewards Dining program shows how to earn Orbucks quickly by dining out each week. ... (See Orbitz Rewards Dining Guide)

Weekly rate report: Average card rate rises to 17.03 percent -- August 15, 2018: Just one week after scaling past 17 percent for the first time ever, the average credit card interest rate inched a tad higher Wednesday. ... (more)

Small Business Credit Profile: Local Food Adventures -- Bay Area foodie Lauren McCabe Herpich highlights the region's hidden culinary gems with Local Food Adventures walking tours. ... (See Small Business Credit Profile: Local Food Adventures)

Best Credit Cards for Free Checked Bags -- Checking a bag on your flight? You might be able to do so for free using the right credit card – or card benefit. Here's how to get free checked bags on your next flight. ... (See Free checked bags)

NY Fed: Credit reports show fewer debts in collection -- Implementation of tighter credit reporting standards has meant a steep drop in collection demerits and an average 11-point increase in credit scores, says a New York Fed study. ... (See Fewer credit accounts in collection: NY Fed)

South Dakota, North Carolina lead nation in new card accounts -- New data from Experian shows card balances grew 6.6 percent year-over-year in the second quarter, and new credit card accounts grew even faster ... (See States' card debt )

How does closing oldest credit card affect my credit? -- Has your oldest credit card become a drag, charging you an annual fee and not offering you rewards? Here's how to deal with it without hurting your credit score. ... (See Closing oldest credit card)

Primary cardholder dies: How to redeem rewards points -- When a credit card holder dies, heirs have more options for redeeming rewards points than what is stated in the card's terms and conditions. Here's what you can do. ... (See Redeeming deceased cardholder's rewards points)

Tech support scams: How to protect yourself – and your credit card -- Tech support scams, where you receive a phone call from somebody requesting access to fix your computer and demanding pay, is a growing trend. Don't fall for it! Here's how to protect yourself. ... (See Tech support scams and credit cards)

Credit alternatives target millennials -- Leading millennial brands including Venmo, Starbucks and SoFi have debuted new credit products aimed at credit-card-shy millennials. Meanwhile, some retailers popular with millennials now offer point-of-sale loans and have even brought back layaway. ... (See Credit alternatives for millennials)

Bumped from a flight? Credit card tips to keep your seat -- Credit card benefits like priority boarding can help you keep your seat in case your flight is overbooked. If you're bumped, we've got you covered with these travel tips. ... (See Bumped from flight: Credit card tips)

Diversify your rewards cards to pay for bucket list trips -- When planning bucket list trips, it helps to have a mix of rewards cards -- airline, hotel, cash back and flexible travel card -- to cover all of your costs. ... (See Cards for bucket list trips)

Personalized credit card designs add whimsy to your wallet -- A growing number of credit card companies allow you to personalize your card with a custom design, or your own photos ... (See Customized credit card)

First-time job seeker tips for credit cards -- Looking for your first job? How recent graduates can save money by using the right credit card to offset networking and job interview expenses. ... (See First job card tips)

Skip credit card payments: These are your options -- Can you skip a credit card payment when there's a temporary loss of income? Most issuers might offer you a payment reduction instead, depending on your payment history. These are your options. ... (See Skip credit card payment)

Charge card vs. business charge credit card: Which is best? -- Business charge cards come with spending flexibility and superior rewards, but are they right for your business? Here's what you should consider to make a decision ... (See Business charge cards vs business credit cards)

How to protect your info in this age of data breaches -- As data breaches increase, it is easier to cut the risk that your card data and other personal info will be stolen. Dark web scans, free credit reports and virtual card numbers can ease your anxiety about identity theft. ... (See How to cut your ID fraud risk)

Will my credit score improve if I pay off maxed-out cards within a year? -- Paying down credit card balances reduces your overall credit utilization, which should improve your credit score ... (See Maxed-out cards)

Weekly rate report: Average card rate soars to record high of 17.02 percent -- August 8, 2018: The average credit card interest rate shattered a major record this week, soaring past 17 percent for the first time. ... (See Weekly rate report )

Small Business Credit Profile: müvTravel -- müvTravel CEO Michel Karam relied on his solid personal credit score and $40,000 in available credit on his cards to get his business off the ground. ... (See Small Business Credit Profile: müvTravel)

Multiply card rewards on business purchases -- Using a rewards credit card for business expenses is an easy way to pile up money-saving miles, points or cash back. Combine it with these tools to maximize savings. ... (See Multiply business savings using rewards cards)

Earn 75,000 bonus points with the Marriott Rewards Premier Plus Credit Card -- If you frequently stay at Marriott hotels and are interested in earning a large influx of rewards, the Marriott Rewards Premier Plus card is a great option. ... (See Marriott Rewards)

How to rebuild your finances after rehab -- Addiction is an ongoing battle that can drain your finances, but sticking to a financial plan can help ... (See Rebuilding finances post-rehab)

AmEx 'freeze your card' tool can prevent fraudulent charges -- Most AmEx cardholders in the U.S. now have access to a tool that allows them to freeze their card accounts if they misplace their cards ... (See AmEx freeze your card tool)

CareCredit expansion: High-rate medical card reaches new markets -- CareCredit, a popular medical card, is expanding to new markets, but with a 26.99 percent standard APR, consumers might be better off considering other financing options, experts say. ... (See CareCredit expansion)

Fed: Card balances fell by $100 million in June -- Credit card balances fell slightly in June, according to the Federal Reserve ... (See Card balances)

Sharing miles with friends, family: These airlines allow it -- Want to pool miles with friends, family? These frequent flyer programs allow you to share miles. Here's how to do it. ... (See Pooling miles with friends, family)

Have unused miles and don't fly often? You have redemption options -- Have thousands of miles on your frequent flyer account and don't fly often? You can redeem them for hotels, car rentals and even gift cards – without having to transfer them to another loyalty program. ... (See Redeem miles beyond flights)

How to book a Southwest Rapid Rewards flight -- Travel expert, Holly Johnson, offers tips and tricks to getting the most value out of Rapid Rewards flights. ... (See How to book a Southwest Rapid Rewards flight)

Southwest Rapid Rewards guide: what you need to know -- Our guide give you a complete overview of the Southwest Rapid Rewards program: how to earn and redeem points, ... (See Southwest Rapid Rewards guide: The best ways to earn and use Rapid Rewards points)

The best ways to redeem Southwest Rapid Rewards points -- We outline the value of the Southwest Rapid Rewards redemption options, including airfare, gift cards, travel and more. ... (See The best ways to redeem Southwest Rapid Rewards points)

Southwest Airlines partners: Earn points on travel, shopping and more -- An overview of all your point-earning opportunities with Southwest's hotel, car rental, shopping and specialty partners. ... (See Southwest Airlines partners)

Parents' credit card tips for college students -- Here are five credit tips to help your college student manage a credit card responsibly. ... (See Student credit tips)

Best Southwest credit cards -- Our guide to Southwest Rapid Rewards credit cards helps you figure out the difference between the Southwest cards and find the right card for you. ... (See Best Southwest credit cards)

Southwest A-List status: Benefits and tips for earning it faster -- Is A-List status worth it on Southwest? We give a rundown of the benefits and tips for earning it faster. ... (See Southwest A-List status)

How much are Southwest points worth? -- If you're looking for airlines miles that combine value and simplicity, Southwest Rapid Rewards points may be your best bet. ... (See What are Southwest points worth?)

16 ways to earn Southwest points quickly -- Find out how you can quickly rack up Rapid Rewards points through all the special deals offered by Southwest Airlines. ... (See 16 ways to earn Southwest points quickly)

Banks tighten standards for card applicants, says Federal Reserve -- Banks made it harder to get a credit card in the second quarter of 2018, according to the Federal Reserve's survey of bank loan officers, with subprime borrowers facing tighter approval standards. ... (See Fed's Q2 2018 Survey of Bank Loan Offices)

End of signature requirement doesn't mean they're extinct -- Though the card networks announced no more signatures by the end of April 2018, many retailers still accept them as verification. Do you still need to sign your payment slip? That depends. ... (See Signature requirements)

E-commerce chargebacks: How to protect your business -- There are several steps you can take if your business has become a regular victim of fraudulent online chargebacks. Start by taking a look at your payment acceptance methods. ... (See E-commerce chargebacks)

How you're not teaching kids responsible credit card use -- Children are observers and parents unwittingly tend to do things just about guaranteed to show kids exactly what not to do with credit cards. ... (See Teaching kids responsible card use)

Your credit card could score you discounted sports tickets -- Some credit cards cater to sports fans with ticket discounts, jersey insurance or access to exclusive suites. ... (See Card perks for sports fans)

Credit card issuers supervised by the CFPB -- Concerned about anti-consumer practices related to your credit card? Rest assured – if your card was issued by a major institution, it is supervised by the Consumer Financial Protection Bureau. ... (See Banks supervised by CFPB)

Mobile pay, debt, and fraud: What you should know -- The move to mobile payments has an upside and a downside: increased security versus the risk of overspending. ... (See Mobile payments)

Millennials taking their credit building seriously -- Seventy percent of millennials checked their credit scores in the past 12 months - more than older age groups ... (See Millennial credit )

The complete guide to saving money on landscaping -- Our ultimate guide to saving money on landscaping looks at the costs and benefits of flood- and drought-resistant projects, urban landscaping and gardening and how you loyalty programs and credit card rewards can cut your costs. ... (See Ultimate guide to landscaping)

Should I close my credit card to get my score mortgage-ready? -- Closing an active card account can have a negative effect on your credit score by lowering your overall credit utilization ... (See Card accounts and mortgages)

Coin laundry machines accept credit cards and mobile payments -- Washing machines and dryers at coin laundries increasingly accept credit cards and mobile payments. The reason for the change? It's all about convenience. Paying with plastic means there's no reason to save a bucket of quarters. ... (See Coin laundries)

Weekly rate report: Average card rate climbs to all-time high of 16.99 percent -- August 1, 2018: The average credit card interest rate climbed to a record high Wednesday, according to the Weekly Credit Card Rate Report ... (more)

Small Business Credit Profile: Celebration Saunas -- Loans weren't an option for Celebration Sauna's Katie DeCicco, so she turned to her credit cards to power up her business. ... (See Celebration Saunas)

Fall travel: Expert tips for planning the perfect getaway -- Summer's coming to an end and you haven't gotten away yet? Fret not. You can find better deals if you travel in the fall -- and your credit cards can help. ... (See Fall travel credit card tips)

Which credit card rewards programs allow you to share points? -- Want to pool credit card rewards points with friends, family? These credit card programs allow you to share points. Here's how to do it. ... (See Sharing card rewards points with friends, family)

Travel credit card rewards while living abroad -- You can earn travel rewards on your credit card while living abroad as long as your purchases are coded as "travel." Here's what to look for in a card to earn travel rewards while overseas. ... (See Travel rewards while living abroad)

Kroger-owned chain to stop accepting Visa credit cards -- A California subsidiary of supermarket giant Kroger will stop accepting Visa credit cards due to high swipe fees ... (See Visa ban )

Online sales top cause of complaints – credit cards can protect you -- Internet sales are the fastest-rising consumer gripe, according to a Consumer Federation of America report. Credit cards remain the safest way to pay on the web, the report also found. ... (See Consumer complaints and credit card safety)

7 hotel rewards mistakes you should avoid -- From booking on the wrong website to overlooking resort fees, these rewards errors can cost you on your next hotel stay. ... (See Hotel rewards mistakes)

What merchants should do when they suspect card fraud -- Suspect fraud on an otherwise approved credit card purchase? As a merchant you may be liable if you don't follow the card network's guidelines. Here's what you should know. ... (See Merchants and card fraud)

Interest-free card promotions threatened by rising interest rates -- As the Fed continues to raise interest rates, card issuers find it more expensive to lend and are tamping down on promotional offers. ... (See 0 percent promo offers)

The Fine Print: Can a credit card charge interest after death? -- A credit card issuer can continue to charge interest after death. However there are specific rules in place for estate that protect heirs. ... (See Credit card interest after death)

Ways to keep airline elite status when you are flying less -- Frequent flyers with elite airline status can struggle to keep that status if family or business changes mean you're flying less. Charging everyday spending on an airline card and using status matches and challenges can add miles to your bank. ... (See How to keep elite status)

ABA's Credit Card Market Monitor Q1 2018 -- A report by the American Bankers Association says new cards fell in first quarter of 2018 for the first time in nearly seven years. ... (See ABA Q1 2018 report)

How to protect your card details and ID from doxxing -- Even if you’re not in the public eye, just the fact that you have a digital footprint means you and your sensitive financial information could be exposed to the growing doxxing epidemic. ... (See Doxxing)

In-flight Wi-Fi productivity guide -- Are you a frequent flyer looking to boost your productivity while in the air? Here's everything you need to know to take advantage of in-flight Wi-Fi and stay productive while you reach your destination. ... (See In-flight Wi-Fi productivity guide)

Should I get a new credit card to help boost my credit score? -- A new credit card is one way to improve your credit mix, which could increase your score as long as you make your payments on time ... (See Credit score )

Rate survey: Average card rate holds steady at 16.96 percent -- July 25, 2018: The average credit card interest rate remained at a record high Wednesday, according to the Weekly Credit Card Rate Report ... (more)

Delta Air Lines credit cards: Which is best for you? -- Whether you're a frequent flyer or just travel with your family once a year, these are the best credit card options for Delta Airlines loyalists. ... (See Best Delta Air Lines cards)

Small Business Credit Profile: Dalia MacPhee Clothing Brand -- How couture designer Dalia MacPhee launches her clothing brand – now adored by celebrities like Scarlett Johansson and Serena Williams – using starter and airline credit cards. ... (See Profile: Dalia MacPhee Clothing Brand)

About half of parents talk to their kids about money -- While more than 8 in 10 American parents say it's never too early to teach a child about money, just more than half follow through and have those conversations, a Chase survey finds. ... (See Parents, kids and money)

Back-to-school scams: How credit cards can protect you -- Back-to-school is prime season for shopping, scholarship and dorm rent scams. Here's how to identify them and use credit card benefits to protect yourself against fraudsters. ... (See Back-to-school shopping scams)

Southwest's new Rapid Rewards Priority card: Is it worth it? -- Chase and Southwest have launched a new card that comes with better perks, and a higher annual fee. Is it worth it? ... (See New Southwest Priority card: Is it worth it?)

Sharing hotel points? These loyalty programs allow it -- Want to pool hotel points with friends and family? These hotel loyalty programs allow you to share points. Here's how to do it. ... (See Pooling hotel points with friends, family)

Business credit reports, scores and payment history -- If you have an S Corp, your payment history may be reflected on both your business and personal credit reports and scores. ... (See Business credit reports, scores)

How to protect your cards and accounts online -- As we shop more online and pay bills via our computers and phones, how can we protect our financial transactions? It all starts with a secure network and then following some steps to reduce the chance a fraudster can steal your card and personal info. ... (See Online card protection guide)

3 times when it's worth it to buy miles, points -- When you are offered a chance to purchase airline miles or hotel points at a discount, it's usually best to say no. But not always ... (See Buying points or miles)

Minimum payment: How it appears on credit card statements -- On a statement, the interest-plus-1-percent formula might look like interest is counted twice -- but it actually speeds up repayment ... (See Minimum payment formula)

2018 Student Card Survey: Higher APRs, but more perks -- In exchange for paying higher rates and slightly bigger fees, today’s young scholars are also being treated to a richer menu of perks, apps and designs. ... (See Student card survey)

Best credit card combinations for everyday spending -- We show you how pairing the American Express Blue Cash Preferred card with the right card can double your cash back earnings. ... (See How to stack cards to get the most on your everyday spending )

Balance transfer card denied? What to do now -- Your balance transfer can be turned down by card issuers for a few reasons, including a low credit profile. Here's what you can do to succeed at a balance transfer request. ... (See When your balance transfer is denied)

Mastercard patent could let cardholders pay in bitcoin -- A new patent issued to Mastercard covers a method for “managing fractional reserves of blockchain currency.” Translation: A consumer someday could use a credit card to pay in virtual currency like bitcoin. ... (See Mastercard bitcoin patent)

Southwest Rapid Rewards Priority Credit Card launches with a limited-time, 65,000-point bonus -- Along with offering a 2-point bonus on Southwest Airlines and Rapid Rewards hotel and car rental partners and 1 point per dollar on everything else, the new Southwest Rapid Rewards Priority card features a limited-time sign-up bonus offer. ... (See Southwest Rapid Rewards)

2018 tax-free weekends for back-to-school shopping -- Sales tax holidays and rewards cards cut costs on clothes, shoes, computers ... (See Tax-free holidays)

Small Business Credit Profile: Private Label Extensions -- How entrepreneur Mikey Moran built his beauty supply business into a multi-million dollar business and credits smart card usage for part of his success. ... (See Profile: Private Label Extensions)

Rate survey: Average card rate climbs to record high of 16.96 percent -- July 18, 2018: The average credit card interest rate settled at a record high Wednesday after another major issuer increased rates in response to the Federal Reserve’s June 2018 rate change ... (more)

Merchant category codes: Frequently asked questions -- Ready to learn how MCC codes can help you to maximize your rewards and savings? Here’s what you need to know. ... (See Merchant Category Codes)

Why the Wells Fargo Propel American Express® Card may be the best no-annual-fee travel card yet -- Among no-fee, travel rewards cards, we think that the recently launched Wells Fargo Propel American Express card leads the pack – thanks to its elevated sign-up bonus, rewards rate and yearly rewards value. ... (See Travel rewards)

Guide: How quitting smoking can improve your finances -- Quitting smoking can improve your financial health. If you stop spending $10 a pack on cigarettes, you can put that money in savings, toward college costs or even pay for a car or a home. Plus, you'll spend less on health care and insurance costs. ... (See Financial costs of smoking)

9 credit card tips for scoring better back-to-school deals -- From waiting on that new laptop to taking advantage of complimentary free shipping, use these strategies, and your credit cards, to score savings on back-to-school expenses. ... (See Better back-to-school deals)

Is a Disney credit card worth getting before theme park visit? -- Should you get a Disney credit card ahead of a trip to the land of Mickey, Minnie and their pals? Unless your family is a huge fan of Disney, there are more rewarding credit cards to pack for your vacation. ... (See Disney credit cards)

Young rap singer accused in card-cracking scheme -- In a typical card-cracking scheme, a social media come-on post offers fast cash just for sharing a valid credit, debit or prepaid card number. New York rap singer Ashley "Young Ash" Bautista pleaded not guilty to leading a ring of crackers. ... (See Card-cracking fraud)

Rewards, credit availability could take a hit as credit card banks' profits fall -- Profits at U.S. credit card banks fell due to higher delinquencies and lower net noninterest income in 2017, according to a Federal Reserve report. ... (See Fed report on credit card banks' profits)

Metal credit cards aren't just for the wealthy now -- Metal credit cards aren't just for the wealthy now. Once reserved only for affluent, a few no-annual-fee cards now have that "plunk" factor. ... (See Metal credit cards)

Guide: How to pay for your child's summer camp -- Summer camp is a big expense for parents. Look for discounts, scholarships and grants, consider fundraisers and asking your child to kick in some for the summer camp bill, too. Tax credits and your FSA also can help with camp costs. ... (See Summer camp financial guide)

I want to improve my business, should I charge a course? -- A business owner seeking to take a content marketing class to better target customers should first test ways to increase sales before shelling out $2,000 for the course. ... (See Course to improve business)

Wells Fargo Propel vs. Capital One Venture: Which is best? -- For many cardholders, the no-annual-fee Wells Fargo Propel card may be the best deal. ... (more)

Here's what to do if Amazon packages go missing -- What can you do if your Amazon packages go missing? You have three layers of protection (including your credit cards) from porch pirates nabbing boxes. ... (See Amazon deliveries)

Credit card loyalty: Stick to one issuer, or mix it up? -- Whether you stand by your issuer or diversify your wallet, each strategy has advantages and drawbacks ... (See Credit card loyalty)

Summer activities you can pay for with a $150 sign-up bonus -- How can you spend a cash back credit card's $150 sign-up bonus? Let me count the ways, including taking the family to the ballpark or purchasing a couple of discounted tickets to a Broadway show. ... (See Summer activities)

Small Business Credit Profile: The Cookie Cups -- How The Cookie Cups' Nicole Pomije funded her bakery startup with savings and strategic use of multiple credit cards. ... (See The Cookie Cups)

How card rewards can cut the cost of your coffee habit -- Routine coffee purchases may not efficiently rack up credit card miles for a free flight, but if caffeine is your kryptonite, cash-back card rewards can cut your costs. ... (See Coffee cash-back rewards)

Upcoming changes to the Marriott Rewards Business and Ritz-Carlton Rewards cards released -- The Marriott Rewards Premier Business and Ritz-Carlton Rewards cards will undergo several updates on Aug. 26, 2018, including increased rewards rates and additional bonus spending categories, as well as the removal of some benefits. ... (See Marriott Rewards)

How much are Delta SkyMiles worth? -- Delta SkyMiles are fairly valuable, but they come with a lot of fine print -- are they worth the extra hassle? ... (more)

Credit card bills are first to go unpaid, Fed finds -- When bills must go unpaid now, credit cards are at the top of the list, a Federal Reserve survey finds. That changed during the recession, when credit card bills were paid because they were viewed as a financial lifeline. ... (See Card bills unpaid)

The benefits of Delta Medallion status -- An overview of Delta Medallion elite benefits with tips on how to gain status faster. ... (See Delta Medallion status benefits)

Delta SkyMiles guide: The best ways to earn and use SkyMiles -- The Delta SkyMiles program can be pretty perplexing. Our Skymiles guide dives into the details of earning and redeeming miles to help you decide if SkyMiles is right for you. ... (See Delta SkyMiles guide)

Weekly rate report: Average card rate jumps to 16.93 percent -- July 11, 2018: The average credit card interest rate inched higher this week after several cards adjusted APRs. ... (See Weekly rate report)

How you may be violating your card's terms of service -- Engaging in one or a number of any of these activities can result in your account being flagged ... or even canceled. ... (See Card term violations)

New American Airlines MileUp card offers 10,000 bonus miles for a limited time -- Citi and American Airlines have launched a new, no-fee card designed to help you earn miles more quickly. ... (See Airline rewards)

Capital One launches new CreditWise tools -- Capital One’s credit monitoring tool has launched three new features to help users protect their credit and detect fraud quickly. ... (See CreditWise)

A guide to avoiding timeshare scams -- The Federal Trade Commission named timeshare scams one of the top frauds of 2017, making it one of the largest threats to travel security in the U.S. Our guide details what is a timeshare scam and how to avoid them. ... (See Timeshare scams)

Amazon Prime Day: How cards can save you even more -- Whichever cash back or rewards card you use during Amazon Prime Day 2018, you're earning cash back or miles during this peak 36 hours of online shopping. ... (See Amazon Prime Day card tips)

Americans' fears of missing a debt payment rise -- Americans' fears of missing a minimum debt payment rose in June for the third month in a row, according to the New York Fed’s Survey of Consumer Expectations. ... (See Fears of missing a payment)

Can I earn bonus rewards playing golf? -- There is no go-to credit card for golfers, but some cards offer golf-themed perks, such as playing a free round of golf at select hotels and redeeming rewards for tickets to sold-out golf tourneys. ... (See Credit card perks for golfers)

Time to upgrade your business credit card? Here's how to decide -- You might be missing out on better rewards, higher credit limit and lower APR by pledging loyalty to your old business credit card. Here's how to decide if it's time for an upgrade. ... (See Time to upgrade your business credit card?)

Fed: Card balances rose by $9.7 billion in May -- Credit card balances surged to a new record in May, according to the Federal Reserve ... (See Consumer credit card debt)

Best United Airlines credit cards -- Whether you're a frequent or occasional flyer, these are the United Airlines credit card options you should consider ... (See United Airlines credit cards)

Many getting married must deal with a spouse's old debts -- More than half of couples getting married must deal with a spouse's old debts, a new Fidelity Investments study finds. While a partner's financial baggage can hurt the relationship, experts suggest ways to tackle the debt together. ... (See Marriage and debt)

How to handle business card expenses using accounting software -- Using accounting software is a smart way to handle business expenses made on both your business and personal credit cards. ... (See Accounting software and business cards)

Chase Ultimate Rewards: How to redeem for travel -- You can either book directly through the Chase travel portal or transfer your points to a partner airline or hotel program and book your travel there. Each option has pluses and minuses. ... (See Chase Ultimate Rewards points)

Don't become addicted to balance transfer offers -- Balance transfer cards' 0 percent interest is alluring, but the limited time to pay off one's debt is dangerous. For some, these cards can be addicting, shifting balances from one card to another to buy more time. ... (See Balance transfer cards)

Reconsideration lines offer a second chance at credit card approval -- If your credit card application has been denied you might have a second chance of approval by calling the issuer's reconsideration line. Here's when to call and what to say. ... (See Card issuers' reconsideration lines)

Which 1.5 percent cash back card is right for you? -- If you want to earn cash back on every purchase without the hassle of dealing with a complicated rewards structure, a flat-rate, 1.5 percent cash back credit card is a great option. Read on to see how the current 1.5 percent offers compare. ... (See Cash back)

SPG Cravings dining program guide -- You can earn bonus Starpoints and get up to a 30 percent savings on your purchases by dining at eligible restaurants in the SPG Cravings program. ... (more)

Rate survey: Average card rate climbs to all-time high of 16.92 percent -- July 5, 2018: The average credit card interest rate set another record this week, climbing to 16.92 percent ... (See Rate report)

First-time cardholder? Avoid these 5 common credit card mistakes -- Got your first credit card? Congrats! Now, here are five common card mistakes to avoid. Hint: It's as easy as not overcharging and always paying your balance in full. ... (See First credit card mistakes)

Radisson Rewards Guide: Full info, tips and advice -- Our in-depth guide covers everything you need to know about Radisson Rewards. Learn what Radisson Rewards points are, how to earn them, and how to maximize value when you redeem points for rewards. ... (See Radisson Rewards Guide)

Great cards for a summer road trip -- Before your family hits the road this summer, pick a credit card to earn bonus rewards on your gas and restaurant purchases. ... (See Great card for a road trip)

How to avoid travel scams -- Summer vacation season is in full swing and so are travel scams aimed at getting your credit card info. Be on the lookout for misleading booking sites, fraudulent property rentals, bogus vacation discounts and Facebook posts promising free airline tickets. ... (See Summer travel scams)

Your guide to travel insurance ahead of your next trip -- As you plan your next trip, check your credit cards for their travel insurance benefits. This guide features what's included in travel insurance and how to assess what coverage you need based on your trip type, destination and length of trip. ... (See Guide to travel insurance)

Electric scooters: How to earn bonus credit card rewards on your rides -- When I took the two leading scooters for a test drive, only one earned bonus travel rewards on my Visa. ... (See Bonus rewards on scooter rides)

How to help the homeless with your credit card -- How can you help the homeless with your credit card? Hungry people need to eat, so offer to pay for a meal. Or set up a recurring charge to a nonprofit serving meals or providing medical care for the homeless. ... (See How to help the homeless)

Small businesses often rely on credit cards, Fed study finds -- Credit cards play a major role in financing small businesses, a new Fed survey finds. More than half of small businesses surveyed (51 percent) reported using credit cards for their operations on a regular basis. ... (See Small businesses and credit cards)

Ultimate guide to airport security options -- Airport security is a hassle, but trusted traveler programs can speed your through TSA checkpoints. Here's what you need to know about TSA Precheck, Global Entry, CLEAR and cards that include travel credits to cover their costs. ... (See Airport security guide)

How can I improve cash flow for my startup? -- Cash flow issues can be scary, but there are a few things you can do to turn the situation around right away. ... (See Cash flow )

Poll: Women more prone than men to miss card payments -- People miss credit card payments for many different reasons, but the most common are forgetting and not having enough money ... (See Late card payments poll)

Surcharges grow more common, even in states where they're banned -- Surcharges for paying with a credit card are growing, even in states where these fees to cover 'swipe fees' are banned by law. ... (See Credit card surcharges)

Is getting a HELOC wise for debt repayment? -- Without the ability to deduct the interest if used for debt repayment, HELOCs lose luster as get-out-of-debt plan. ... (See HELOC debt repayment)

6 common credit card fees and how to avoid them -- Many credit card fees -- late fees, foreign transaction fees, cash advance fees, for example -- can be avoided. Follow these simple steps to cut down on the extra money you are paying card issuers. ... (See How to avoid card fees)

CFPB settles with Citi over APR errors -- Citi is paying refunds to credit card users whose APRs weren't reduced in line with CARD Act rules after a rate increase. ... (See CFPB settles with Citi)

Startup will turn plastic credit cards to metal ones for a fee -- The Lion Credit Card startup will turn your plastic card into a metal one for a fee, but why would you want to do that? ... (See Metal card for a fee)

Hilton Honors guide: Maximize points -- Our Hilton Honors guide gives you the full rundown on earning and redeeming Hilton Honors points and helps you figure out which Hilton Honors card is best for you. ... (See Hilton Honors guide)

Hilton Honors elite status benefits -- An overview of Hilton Honors elite benefits with tips on how to gain status faster. ... (more)

What are Hilton Honors points worth? -- See why Hilton Honors points don't hold muster against many other loyalty program points. ... (more)

5 great credit cards to save on gas now -- As gas prices rise, these five credit cards will reduce your pain at the pump. ... (See Credit cards to cut gas prices)

How to cut credit card interest costs -- Paying just a little more than your credit card's monthly minimum payment makes a big difference ... (more)

5 ways to stack card rewards, savings on new home furnishings -- With help from credit card rewards, cardholder loyalty perks and online shopping strategies, there are ways to cut costs and earn rewards on home goods expenses. ... (See Home furnishings)

Upgraded World of Hyatt card debuts with 60,000-point bonus -- The new World of Hyatt card from Chase features a limited-time sign-up bonus offer, an increased rewards rate and additional bonus earning categories. ... (See World of Hyatt)

Should I pay off or close my credit card to get a better mortgage? -- Paying off a card can raise your credit score and help you better qualify for a home loan, but closing a card can hurt you ... (more)

Rate survey: Average card APR climbs to a record high of 16.83 percent -- June 27, 2018: The average credit card interest rate smashed another record this week, climbing to 16.83 percent, according to the Weekly Credit Card Rate Report ... (more)

What is a credit card retention offer (and how to get one)? -- Before you cancel that card, call the retention department to see if you can score a deal that makes it worth keeping. ... (See Credit card retention offer)

Credit score impact of opening, quickly closing a new card -- Your credit scores should revert to where they were before you applied, minus the points you lost with the initial inquiry. ... (See Closing new card)

United Explorer card launches with airport gate giveaways -- The United Explorer card rolled out with new rewards -- and at-gate prize giveaways for passengers on three flights at the airline's hub airports. ... (See United Explorer card)

Enhanced Frontier Airlines World Mastercard offers up to 5x miles -- The upgraded Frontier Airlines World Mastercard offers 5 miles per dollar on Frontier Airlines purchases, 3 miles per dollar at restaurants and 1 mile per dollar on everything else. ... (See Airline rewards)

Amazon Business American Express Card offers choice of cash back or interest-free payments -- Amazon partners with Chase and Synchrony on consumer cards, but this will be its first small business card ... (See Amazon Business American Express Card)

Should you use credit cards to finance your startup? -- Financing your startup with credit cards has its benefits and drawbacks. Before you go this route, you should weigh some other options, too. ... (See Credit cards and startups)

You can earn United frequent flyer miles at the gas station -- United frequent fliers can opt to earn bonus miles with every fill-up by enrolling in the BP Driver Rewards program. ... (See Bonus rewards in unlikely places)

Who rolls over card debt and pays late? Study finds surprises -- Among cardholders who roll over their debt from month to month, age and other financial obligations -- not income and education -- are factors in who pays on time and who pays late, a new Auriemma Consulting Group study finds. ... (See Late payments study)

Don't miss your cruise! Stay at a nearby hotel the night before you sail -- To avoid a flight delay or cancellation wrecking your vacation cruise, arrive in your port city a day early and stay the night at a nearby hotel. Depending on the hotel, you'll earn bonus points and an annual reward could cover the cost of your stay. ... (See Hotels near cruise ports)

Supreme Court upholds credit card anti-steering rules -- The Supreme Court ruled in favor of Amex's 'anti-steering' rules, which block merchants from offering customers discounts for using a card that's cheaper to process ... (See Anti-steering rules)

Headed to a convention or conference? Don't forget rewards credit cards -- Attending a conference or convention can come with a hefty price tag. Here's how you can leverage rewards credit cards to save on lodging, meals and transportation expenses ... (See Convention expenses and credit cards)

New Wells Fargo Propel AmEx card offers a 30,000-point bonus and up to 3x points -- Along with a 30,000-point bonus, the enhanced Wells Fargo Propel AmEx card offers 3 points per dollar on dining, travel, transit and popular streaming services and 1 point per dollar on all other purchases. ... (See Wells Fargo Propel)

Opening a business with a partner: Should you apply for a joint card together? -- If you are opening a business with your romantic partner, opening a joint credit card can be risky. But you have other, safer options to finance your startup. ... (See Joint credit card for small businesses)

Chase Freedom vs. Capital One Quicksilver: Which is best? -- When deciding between cash back cards, the Chase Freedom card and the Capital One Quicksilver card are both worthy options. But before choosing one, see how the cards compare side-by-side. ... (See Cash back)

How to stop collection activity on fraudulent charges -- Canceling a card for fraudulent recurring charges won't necessarily stop the debt from being sent to collections if left unpaid. ... (See Recurring charges in collection)

5 mistakes you should avoid after paying off credit card debt -- From running up debt again to not using your card at all, avoid these mistakes after paying off your credit card debt. ... (See Mistakes after paying off card debt)

Pay down debt using snowflake method -- With the snowflake method, daily or weekly savings add up. Apply your snowflake savings weekly to your credit card debt to get your balance to zero faster. ... (See Snowflake method do pay down debt)

Supreme Court expands online sales tax collection -- Consumers will pay more for many out-of-state transactions as result of high court's decision in an online retail case ... (See Sales taxes on online transactions)

Sign-up bonuses: How to score big rewards -- Card issuers have clamped down on card churning, but you can still secure big sign-up bonuses. Your strategy: Compare card offers and know issuer restrictions. ... (See Your sign-up bonus strategy)

The best business credit card perks you're probably not using -- From cellphone protection to airport lounge access, here are some of the best business card perks you might have been overlooking ... (See Little-known business credit card perks)

LGBT Americans are handling credit wisely, survey finds -- LGBT Americans are handling their credit wisely, an Experian survey finds. Overall, one-third say they use credit cards to improve their credit, and among those age 25 to 34 that rises to 50 percent. ... (See LGBT credit card use survey)

Credit scoring effect of opening vs. closing credit cards -- Opening and closing a credit card can both have negative effects on your score – albeit short-lived. The good news is, you don't need to close a card in order to open a new one. ... (See Scoring effect of opening, closing cards)

Rate survey: Average card APR breaks new record, climbing to 16.81 percent -- June 20, 2018: The average credit card interest rate soared to another 10-year high this week after the Federal Reserve increased its benchmark interest rate by a quarter of a percent ... (more)

Should I be added to new husband’s card or get a new one together? -- Joint credit cards are rare these days. It's more common to add a spouse as a authorized user to a card. ... (See Card for new spouse)

Maximize savings on in-store shopping using rewards cards -- Against all odds, brick-and-mortar stores are alive and kicking – and you can use your cards to maximize savings on in-store shopping. ... (See In-store shopping savings)

Guide to the Bank of America® Cash Rewards Credit Card -- Learn how to use and maximize the cash back rewards program on the Bank of America Cash Rewards card. ... (more)

How fixed-rate cards can protect you against Fed rate hikes -- Though hard to find, fixed-rate cards are a safeguard if you must carry a balance. ... (See Fixed-rate cards)

Best credit cards for travel insurance -- From trip cancellation and travel accident to baggage delay and rental car protection, these credit cards' travel insurance perks have you covered. ... (See Best cards for travel insurance)

With rewards cards, which expenses count as travel for bonus rewards? -- With rewards credit cards, "travel expense" covers a few surprises. Beyond airfare, hotels and rental cars, sometimes ride-shares, vacation rentals and even parking count as travel expenses. ... (See What counts as a travel expense?)

JD Power survey: American Express credit card mobile app ranks No. 1 -- The survey measures mobile apps on ease of navigation, appearance, clarity of information, range of services, and availability of key information. ... (See Credit card issuer mobile apps)

Poll: 2 out of 5 Americans think age, marital status affect credit score -- More people are checking their credit scores than four years ago, but about 40 percent of consumers have misconceptions about what affects your credit ... (See Credit scores )

Corporate or personal card for business expenses? -- Should you accept a corporate card for business expenses or use your personal card and get reimbursed? Key factors to weigh: Who pays the annual fee and who gets the rewards. ... (See Corporate or personal card?)

Compare card offers to score the best deal -- Sign-up bonuses, 0 percent interest periods and even interest rates can vary, sometimes by a wide margin. ... (See Compare card offers for best deal)

Chase Sapphire Preferred vs. American Express Gold Card: Which is best? -- When choosing between the Chase Sapphire Preferred card and the American Express Gold Card, it's important to consider what you're looking for in a card and how much you're willing to pay for extra perks and services. ... (See Rewards cards)

Should I max out my credit card to finance my startup? -- Maxing out your credit card to launch a startup can be risky; there are other ways to finance your business without incurring card deb. ... (See Startups and card debt)

Millennials are the worst tippers in the US, new survey finds -- Millennials are the worst tippers in the U.S., but they also are most in favor of paying more and not tipping at all, a new survey finds. Other findings? Older people are more generous tippers, and women tip more than men. ... (See Millennials and tipping)

How to avoid credit card sign-up bonus bait and switch -- Just because a card company invites you to apply for a card and approves your application does not necessarily mean it will give you the sign-up bonus that comes with the offer. ... (See Avoiding sign-up bonus bait and switch)

Best American Airlines credit cards of 2018 -- Whether you're a frequent flyer or just travel with your family once a year, these are the American Airlines cards with the best perks and rewards bonuses. ... (See Best American Airlines cards)

Steps to fight fraud, repair credit damage caused by ex-spouse -- Sharing finances is common during marriage, but can backfire horribly when a marriage falls apart. Take steps to protect your credit and financial standing. ... (See Fraud charges)

Best credit cards for newlyweds -- Now that you've said your vows, it might be time to combine your credit card rewards strategy. ... (See Best cards for new couples)

Small businesses get creative with card rewards -- Some small-business owners are getting creative with their credit card rewards, redeeming cash back to pay for employee parties or to pay for gear for workers. Rewarding employees is a way businesses can keep workers in a tight labor market. ... (See Small businesses and card rewards)

How do I remove old negative items from my credit reports? -- If negative items appeared on your credit report as a result of ID theft a few years ago, you can still remove them from your reports. Here's how. ... (See Old negative items on credit reports)

AmEx’s Cash Magnet™ card offers a $150 bonus and 1.5 percent back on every purchase -- The Cash Magnet card from American Express is a flat-rate cash back card that lets cardholders earn $150 back. ... (See Cash back)

Credit card APRs to rise again as the Federal Reserve raises benchmark rate a quarter point -- The Federal Reserve raised its federal funds rate a quarter point for the second time this year, meaning higher rates for variable rate credit cards ... (See APRs to rise as Fed raises rates)

Rate survey: Average card APR remains at record high of 16.75 percent -- June 13, 2018: The average credit card interest rate held steady this week, according to the Weekly Credit Card Rate Report ... (more)

Holiday shopping in summer: Use your cards to rack up savings -- Use the right card and these tips to maximize savings on holiday shopping in the summer months. ... (See Holiday shopping in summer)

Bank of America Cash Rewards vs. Amex Blue Cash Preferred Card -- Deciding which gas rewards card is better for you depends on your needs and how you plan to use the card. Read on to see how these cards compare side by side. ... (See Gas rewards)

Card way over the limit? Here's a debt payoff plan -- It's rare to go over your credit limit, but when that happens, you need a plan to pay off your debt fast. Get a side gig, sell items, increase your income to erase your card debt to zero. ... (See Over-limit debt payoff plan)

10 credit and money tips for travel abroad -- Traveling outside the U.S.? Plan now which cards to take to avoid fees and ensure your vacation goes smoothly. For example, take cards that have charge no foreign transaction fees. ... (See Card tips for travel abroad)

7 hot spots for credit card theft and how to cut your risk -- Seven places and ways your credit card info may be stolen include leaving your plastic in the open in your car and phishing (smishing and vishing) scams. ... (See Hot spots for credit card theft)

TSA Precheck, Global Entry credits now offered on lower-annual-fee cards -- Credits for TSA Precheck and Global Entry that used to be offered only on premium rewards cards are now available with a handful of $85-$95 annual fee travel credit cards. ... (See TSA Precheck, Global Entry credits)

Americans are more focused on their waistlines than their bottom line -- Americans are more focused on their waistlines than their bottom lines, a TD Bank survey finds. Millennials, though, buck the trend. They put financial goals ahead of health goals. ... (See Health and financial goals)

AmEx to roll out credit card made from ocean plastic -- Credit cards aren't known for being environmentally friendly, but a new card from American Express may change that ... (See AmEx card ocean plastic)

Hurricane season preparedness: How to minimize prep costs -- Hurricane preparedness can be stressful and expensive. These tips and your cards can help you be ready in case disaster hits close to home. ... (See Hurricane season preparedness)

How to earn elite status with airlines -- Three ways business people can earn elite status with airlines: Pick an airline to focus your points-earning, sign up for a credit card offered by that airline, and don't forget to sign up for business points programs. ... (See How to earn elite status)

Which business credit card should I use for office supplies? -- These business credit cards can help you score more rewards if you purchase a lot of office supplies. ... (See Business credit cards for office supplies)

Which card issuer allows different credit limits for multiple users? -- Most card issuers don't allow you to set individual spending limits for authorized users; American Express is the exception. ... (See Credit limits)

How to minimize the cost of college visits -- College is expensive, but visiting them first is pricey, too. Find out how to save money while visiting schools through credit card rewards. ... (See College tours)

Free Spirit Dining program guide -- If you are a Free Spirit member, the Free Spirit Dining program is a great way to earn bonus miles -- you can earn up to 5 miles just by swiping your card at participating locations. ... (more)

JetBlue's TrueBlue Dining program guide -- Our guide to TrueBlue dining shows you how to save up for a free flight just by using a registered card at the right restaurants. ... (more)

Rate survey: Average card APR breaks new record, climbing to 16.75 percent -- June 7, 2018 The average credit card interest rate sailed to another record high this week, according to the Weekly Credit Card Rate Report. ... (more)

Charged Up! podcast: Earn more, owe less -- Dubbed "America's Money Answers Man," veteran financial journalist Jordan Goodman talks about tools available to help you pay off your mortgage in 5 years, make lower monthly car payments and earn 8 percent from your savings ... (See Pay down debt)

Credit scores: Is 1 percent utilization better than 10 percent or zero? -- Carrying over a tiny card balance can give you a credit score boost, but paying in full is better for your financial health ... (See Credit utilization )

‘Cash and points’ can cut the cost of hotel rooms -- When you don't have enough points to get a free room, 'cash and points’ lets you shave some of the costs of your room ... (See 'Cash and points' at hotels)

Millennials redeem card rewards for travel the most; silent generation the least -- Millennials are the biggest travel rewards redeemers, a Discover survey finds. The silent generation redeems rewards for travel the least. ... (See Travel rewards and generations)

Will closing card with a remaining balance hurt my credit? -- Closing a card with a remaining balance might affect your score if your other balances are high, but the effect won't be immediate. ... (See Closing card with remaining balance)

Fed: Card balances rose by $2.2 billion in April -- Consumer credit card balances rose at a 2.6 percent annual rate in April, according to the Federal Reserve ... (See Credit card debt)

Shell Fuel Rewards program guide -- Our guide to Shell's Fuel Rewards program shows you how to maximize your savings on gas. ... (more)

How to report and protect yourself from credit card fraud -- Here are some good tips and resources to keep yourself protected from credit card fraud and identity theft. ... (See Identity theft protection)

Travel tip: Avoid airline ticket add-ons -- Airfare add-ons such as frequent flyer miles, preferred seating and travel insurance tend to be a poor deal. Just say no to the offers. ... (See Purchasing points)

Best credit cards for airport lounge access -- Relax or work away from the crowds while you wait for your flight. These cards offer complimentary access to airport lounges around the world. ... (See Best cards for airport lounges)

Contact credit card issuers: phone numbers and logins - -- Toll-free customer service numbers for the major credit card issuers and banks. Log in to pay bills online and check your account balance. ... (more)

Earn up to 80,000 bonus points with the Chase Ink Business cards -- If you’re a small business owner looking to earn a generous rewards rate on company purchases, the Ink cards from Chase may be your answer. ... (See Chase Ink)

What are some low-cost options to process credit cards for my business? -- Square, Clover and PayPal are three choices (among others), but each has unique features ... (See Credit card processing)

Goodwill letters: A note can get a credit blemish wiped away -- A goodwill letter can help you get an uncharacteristic slip-up removed from your credit report, but it's not a sure thing ... (See Goodwill letter)

Small-business card perk: Mastercard Easy Savings vs. Visa SavingsEdge -- Are you a business cardholder looking to maintain a positive cash flow? Two rewards programs, Mastercard Easy Savings and Visa SavingsEdge, can help. ... (See Rewards for business cardholders)

When is a charge on a credit card unauthorized? -- Unauthorized charges on credit cards are forbidden, but what happens when the charge was made by a company you deal with on an ongoing basis? ... (See Unauthorized credit card charges)

Will an increased credit limit hurt mortgage loan approval? -- An increase in your card's credit limit should help, not hurt, your credit score. ... (See Credit card limit increase)

Video: Maximizing points with off-peak travel -- Peak season varies depending on where you want to travel. Make your points go further by booking travel during low season ... (See Travel with points)

New United Explorer card offers 2x miles on hotels and restaurants -- Chase has launched a new version of the United Explorer card that offers 40,000 bonus miles and a $100 statement credit for new applicants through Aug. 15, 2018. ... (See Chase United)

Plenty of rewards seats remain for last-minute summer travel, survey finds -- Finding seats for a last minute trip with credit card reward points during peak travel season can be difficult, but our survey shows there is availability if you know where to look ... (See Last-minute summer rewards travel)

Citi Diamond Preferred vs. Citi Simplicity: Which is best? -- If you're looking to knock out a large credit card balance or finance a big purchase, both the Citi Diamond Preferred card and the Citi Simplicity card are hard to beat. ... (See Citi)

Late payment? 4 ways it impacts your credit score -- How quickly your score can recover from a late payment will depend on a few factors, including recency and amount owed. ... (See Late payments)

Fewer Americans stick to financial lessons of Great Recession -- Fewer Americans are sticking to the financial lessons they learned in the Great Recession, the American Institute of CPAs finds. ... (See Great Recession financial lessons)

Poll: 47 million Americans have picked up a tab to get card rewards -- Picking up a group tab with your card can be a good rewards-earnings strategy, unless your friends don't repay you ... (See Picking up a tab )

Costs and bots lead card issuers to cut some benefits -- Price protection, travel insurance, extended warranties are among the benefits fading away from Discover, Chase and Citi cards. Experts say it's a way card issuers can cut costs and, in some cases, offer new card benefits. ... (See Card benefit cutbacks)

Rate survey: Average card APR remains at record high of 16.73 percent -- May 30, 2018: The average credit card interest rate remained at a record high of 16.73 percent Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Pick the right credit card for ground transportation expenses -- You can earn rewards points on ground transportation expenses, from taxicabs to commuter rail and parking – if you use the right credit card. ... (See Credit cards for ground travel expenses)

Don't wait until due date to pay first card bill -- To make sure your scores are not affected by any charged amount, large or small, is to pay what you’ve charged immediately. ... (See First card due date)

Charged Up! podcast: How to create your own credit card -- If you're an entrepreneur wondering how to strike a deal with a major bank or a person wanting to give back with your card, the story of Charity Charge can help ... (See Donating rewards)

Hilton Honors Dining program guide -- See how the Hilton Honors Dining program can help you score a free hotel stay just by dining at your favorite restaurants. ... (more)

What to do with hotel points when plans change -- If you have a bunch of hotel points that you saved up for a trip that you're now not taking, you have some other choices. Beware, you'll lose value with a transfer. ... (See Hotel points)

8 tips for choosing bonus categories on your rewards card -- Understanding your spending habits is just the first step to pick the right bonus categories if your card gives you that option. ... (See Bonus categories)

Best credit cards to use when self-publishing books -- If you plan on self-publishing a book and printing copies to sell at seminars or speeches, find a card with 0 percent interest and ample rewards to get the most out of your big purchase without sacrificing your profit ... (See Financing self-publishing book)

How to get free Wi-Fi while traveling -- If you travel for business or pleasure and need to stay connected while in the air or on the ground, check out which cards offer free vouchers before paying expensive fees. ... (See In-flight Wi-Fi)

How card rewards can fuel a family dream soccer trip -- My family will see our favorite soccer team in Philadelphia this summer, and this is how our rewards cards are making the trip possible ... (See Dream soccer trip using rewards)

Skim Reaper: The death of card skimmers? -- A grimly named handheld gadget can detect card-data-stealing skimmers in compromised gas pumps, ATMs ... (See Skim Reaper)

Why you shouldn't assume adult son's debts on new card -- It's natural to want to help, but putting your own finances in jeopardy is not the answer. ... (See Son's debt)

Essential family packing guide for summer travel -- When you have multiple people in your traveling party, a solid packing strategy becomes essential. ... (See Family packing guide)

How to spend your next long airport layover -- Who said getting stuck at an airport for a few hours in between flights has to be a drag? These travel-expert tips, and your card perks, have you covered. ... (See Tips for a long layover)

5 times when a no annual fee card is worth it -- High-end credit cards come with a lot of perks, but sometimes a no annual fee card can offer what you really need. ... (See No annual fee cards)

Raising score for mortgage purposes? Don't open new cards! -- If you want to get your credit in shape for a mortgage approval, don't open new credit cards. Instead, lower your balance on your existing accounts ... (See Mortgages and card balances)

Retail card delinquencies at highest level since 2011 -- Missed payments on retail cards have been on the rise since 2013, according to new data from Equifax ... (See Delinquencies )

Rate survey: The average credit card interest rate remains at record high -- May 23, 2018: The average credit card interest rate remained at a record high of 16.73 percent Wednesday, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: How PayPal changed our lives -- Journalist and author Jacques Peretti explains how our spending habits have changed over the last 15 years due to technologies such as PayPal ... (See Podcast)

Q&A: Can I protect my credit score if I can't pay card's full balance? -- Until you are able to regain control of your debt, take these steps to protect your credit score. ... (See Protecting credit score)

Summer holiday sales: Card reward tips to maximize savings -- Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings? ... (See Memorial Day weekend sales)

Alaska Mileage Plan Dining program guide -- Our guide shows you how to get more Mileage Plan miles out of the Alaska Mileage Plan Dining program. ... (more)

Capital One Quicksilver vs. Capital One Platinum: Which is best? -- Deciding which card is better for you depends on how high your credit score is and what you’re looking for in a credit card. ... (See Capital One)

Bill that could help prevent synthetic ID fraud passes Congress -- Banks will have new tools to fight synthetic identity fraud under a bill headed to President Trump's desk ... (See Synthetic ID fraud)

Avoiding big surcharges when booking award flights -- If you plan on using award points to book a free flight on American Airlines' partner airlines, British Airways and Iberia, beware of hefty surcharges that can make your ticket feel anything but free ... (See Airline surcharges)

7 tips when redeeming points for a rewards 'experience' -- Enticed to redeem points for a once-in-a-lifetime experience? Know the rules of the road so you don't squander your rewards. ... (See Rewards 'experiences' advice)

Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase -- In addition to offering unlimited 1.5 percent cash back on every purchase, the new Ink Business Unlimited card gives members a $500 cash back bonus after spending $3,000 in the first three months. ... (See Chase Ink)

Those with financial plans make other smart money moves -- If you write down a financial plan, you're much more likely to have an emergency fund and pay off your credit card bills monthly, Charles Schwab research shows ... (See Financial planners)

Guide to mobile wallets: Samsung Pay, Apple Pay, Google Pay -- Got questions about mobile wallets? Our guide to Samsung Pay, Apple Pay and Google Pay has all the answers about operation, security and rewards ... (See Mobile wallets)

How to handle unpaid corporate credit card -- If you have a credit card from the company you work for with your name on it, you can find yourself battling creditors if the corporation doesn't pay ... (See Company card)

Airport lounge access for the whole family takes planning -- If you're choosing a card or lounge membership for your business travel, consider signing up for one that will allow you also bring your family when you're on the road for a personal vacation ... (See Airport lounge membership)

How to plan your summer rewards travel with or without points -- If you have a mound of points, great. If you don't, you can score a heap of points or a companion fare with a credit card sign-up bonus ... (See How to plan rewards summer travel now)

Do I have to pay fees and interest included in a wage garnishment? -- The best time to argue your case or settle the debt for less than you owe was before the judgment was assessed. ... (See Wage garnishment)

Active-duty military can get fees waived, special perks from rewards cards -- Some credit card issuers waive annual fees for active-duty military members, so it may be worth considering applying for some high-end travel rewards cards. ... (See Active-duty military credit card perks)

Video: Giving back with your card -- Some credit cards let you donate your rewards to the charity of your choice, with no work on your part. ... (See Donating rewards)

Need to cancel a nonrefundable flight or hotel? You might have options -- Trip cancellation not covered by your card? Calling the hotel or airline directly and making a compelling case might get you a refund. ... (See Canceling nonrefundable trip booking)

Delta SkyMiles Dining program guide -- Our guide shows you how to get the most mileage out of the Delta SkyMiles dining program. ... (See Delta SkyMiles)

Can you cancel your Amazon Prime, Costco memberships and keep using their cards? -- If you cancel a retailer's membership, can you keep using a credit card issued by them? We analyzed two cases: Amazon Prime and Costco. ... (See Retailer membership and credit cards)

Credit score impact of ignoring card debt while living on Social Security income -- If you have credit card debt and are living on Social Security income, you might be tempted to ignore the debt. But there might be other better options for your credit. ... (See Social Security income and card debt)

Should I get my favorite brand's credit card? -- If you're a fan of a certain brand, you may be tempted to sign-up for their credit card to earn points toward future purchases. But, many of the big brand cards don't offer as much in rewards as a straight travel or cash back card ... (See Big brands and credit card rewards)

One credit card for everything: Pros, cons and tips to make it work -- Using just one credit card for everything can have pros and cons. Here's how to make the best out of having a single card in your wallet. ... (See One credit card for everything)

Rate survey: Average card APR sets new record -- May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Charged Up! podcast: Getting your financial life in order -- Learn how to finally get your finances under control with a month-by-month strategy developed by author John Schwartz ... (See Financial organization)

Will it hurt my son's credit if I cancel him as an authorized user? -- Once authorized user status is revoked, any credit reporting activity associated with that card disappears. Since children have short histories, they'll take a bigger credit score hit ... (See Cancel child as authorized user)

Staycation savings: Earn rewards on local summer entertainment -- Staying local this summer? Credit cards can help you offset summer expenses beyond travel, with savings on restaurants, movies, museums, theme parks and camps ... (See Staycation rewards)

Credit card losses from synthetic identity fraud jump -- Synthetic identity fraud, in which thieves create identities for bogus people, is increasing, Aite Group finds. And losses from the fraud are expected to rise another 53 percent by 2020. ... (See Synthetic identity fraud)

Supreme Court OKs sports gambling – will credit cards? -- Cards that allow betting at all treat it as a costly cash advance. That could change in wake of Supreme Court ruling allowing states to legalize sports betting ... (See Sports betting and credit cards)

With airline meals, pay less and earn more points with some credit cards -- Some airline credit cards offer discounts on in-flight meals, snacks or drinks, and you earn bonus points on travel purchases with some rewards cards. ... (See Airline meals and credit card rewards)

These gift cards add an extra bonus: discounts, even cash back -- Want to earn cash back rewards while making purchases with a gift card? Start by leveraging them with loyalty programs and rewards cards. ... (See Gift card rewards)

Guide to LGBT finances: You can live a richer life -- This guide to personal finance for LGBT Americans covers five key areas – retirement, insurance, marriage, children and credit card debt. ... (See Guide to LGBT finances)

What’s changed with the new Marriott Rewards program? -- The Marriott, Starwood Preferred Guest and Ritz-Carlton loyalty programs were officially unified in August 2018. Read on to see what changes you can expect. ... (See Marriott Rewards)

Can the wine club I belong to charge my card before pickup? -- Many subscription services charge your card on a set date every month, regardless of when you pick up or receive your purchase. ... (See Subscription services)

Poll: Half of balance-carrying cardholders clueless about their APRs -- Millions of U.S. consumers are unaware of what it costs them to carry card balances ... (See Card APRs)

How card rewards rescued my family's vacation -- My family and I were set to travel to Spain over spring break, but a passport snafu nearly forced us to stay home. Here's how miles and points saved our vacation plans. ... (See Last-minute vacation tips)

Is selling our house to pay off card debt a good idea? -- Losing hard-earned equity in your home to pay off card debt usually isn't the best option. ... (See Selling house to pay debt)

Honor mom with a points-fueled trip of a lifetime -- Instead of flowers and chocolates, consider surprising your mom with a trip she won’t forget using miles and points. ... (See Mom getaway)

Money and credit lessons learned from mom -- A mother's spending habits leave an indelible impression on kids. Here's how mom shaped the financial lives of 10 people. ... (See Money lessons from mom)

Hotel cards: Get the most free nights for the fewest points -- Hotel cards can offer some valuable redemption rates, but they're not as straightforward as airline points. Know which hotels give you the most free nights for the fewest points. ... (See Redeeming hotel points)

How to take a 'girlfriend getaway' using card rewards -- With a little planning, you and your friends can use points and miles to take a memorable trip ... (See Girlfriend getaway on points)

Earn 75K bonus points with The Business Platinum Card from American Express -- If you are a business owner who spends a large amount on business travel, you can benefit from the Business Platinum card’s generous rewards rate and 75,000-point welcome bonus. ... (See AmEx Business Platinum)

Rate survey: Average card APR remains at record high of 16.71 percent -- May 9, 2018: None of the cards included in's weekly rate report advertised new APRs this week. ... (See Rate report)

Charged Up! podcast: Making the most out of your card rewards -- Listen to rewards strategist and writer Tony Mecia's tips on making the most out of your credit card rewards ... (See Credit card rewards)

6 ways to maintain a good business credit score -- A high business credit score can help you get favorable terms on loans and other types of credit ... (See Business credit score)

Child ID breaches rampant, usually caused by a familiar face -- In most cases, a family member or friend steals the child's data ... (See Child ID breaches)

Should I shop at Whole Foods if I have an Amazon credit card? -- With 5 percent back at Whole Foods with an Amazon credit card, it can be tempting to shop there. But you'll need to do the math to see if you'll actually save money ... (See Amazon - Whole Foods)

How to accept credit cards at your next garage sale -- Mobile payments have made cash-only garage sales a thing of the past. ... (See Credit cards at garage sales)

Fed: Card balances fell by $2.6 billion in March -- Card balances fell in March, according to the Federal Reserve ... (See Debt )

Best credit cards for restaurants -- Is eating out part of your everyday routine? Score cash back or rewards points by paying with the right card at restaurants; these cards can help. ... (See Best cards for restaurants)

How to fund a small business -- A side gig or small business needs some money upfront, so consider saving up a small fund to get started, and work on building great credit to qualify for a business credit card later. ... (See Small-business credit)

How to earn more points booking business travel -- If you're a small-business owner on the road, learn how to use loyalty programs and credit cards to maximize the points you earn ... (See Business travel points)

Citi Prestige vs. AmEx Platinum: Which card is best -- If you’re a heavy traveler and can afford to spend several hundred dollars on an annual fee, the Citi Prestige card and its longtime rival, the American Express Platinum card, offer some of the plushest travel benefits you can get on a rewards card. ... (See Citi Prestige vs. AmEx Platinum)

How to earn an exotic vacation at the grocery store -- You can earn an exotic vacation by using the right credit card when you fill your shopping cart at the grocery store. Start with a goal, and use the card that will help you achieve it. ... (See Earn a vacation at the grocery store)

Shopping for a new credit card? Don't overlook smaller banks -- In the market for a new credit card? Consider cards from smaller banks – fewer fees, low APRs, decent rewards make them a real option. ... (See Smaller bank credit cards)

Figure out what your points are worth before you redeem -- Knowing what a credit card point is worth can help you make an informed decision about which type of credit card points are best for redemption. ... (See Rewards points valuation)

Card or cash? When traveling abroad, you often need both -- Credit card or cash? When you travel abroad, you need both plastic and local currency, as some places take cards and some are cash only ... (See Cards or cash for travel abroad?)

New Barclays Upromise World Mastercard to offer 1.25 percent back on every purchase -- Saving for college is about to get even more rewarding – thanks to an upgraded offer for the Upromise Mastercard. ... (See Upromise)

Millennials most likely to carry card balances, survey says -- A generational survey of credit card debt finds that grandma probably doesn't carry a balance, but Junior does. ... (See Generations and card debt)

Using your credit card points for vacation rentals -- If you have your heart set on an Airbnb, HomeAway or VRBO rental and are flush with credit card points, there are ways to apply your rewards to an apartment while traveling ... (See Vacation rentals)

Last-minute summer travel: Your rewards cards can help score savings -- There’s still time to line up a summer getaway even if you’re late to the planning game. Rewards credit cards can help score savings on flights and hotel stays ... (See Last-minute summer getaway)

Can immigrants transition from ITIN to SSN without hurting their credit score? -- Replacing an ITIN with a SSN shouldn't have a major effect on your score, but you must ensure that your credit profile has been updated successfully ... (See New SSN and credit score)

Rate survey: Average card APR climbs to record high of 16.71 percent -- May 2, 2018: The average credit card interest rate set a new record this week, climbing to 16.71 percent, according to the Weekly Credit Card Rate Report ... (See Weekly rate report)

When is a credit card annual fee worth it? -- Credit cards with annual fees come with extra bonuses and perks, but are they worth it? Follow these tips to decide whether a fee card is right for you. ... (See Annual fee card: Is it worth it?)

Charged Up! podcast: How to hustle your way to success -- If you have big dreams but not big money, credit cards can help. Learn how to use your cards to help fund your goals and hustle along the way ... (See Juggling credit cards)

How are minimum payments determined on a 0 percent balance transfer card? -- Just because you are not being charged interest for a specific time period doesn't mean that you won't have to make minimum payments on that balance. ... (See Balance transfer payments)

5 money and credit lessons from people who went bankrupt -- Some top takeaways from a few who went bankrupt. Apply what they gleaned and you might be able to avoid your own trip to the courthouse. ... (See Bankruptcy lessons)

Q&A: How do redeemed travel points get refunded if I cancel? -- Airline programs vary. On some, if you book award travel and later need to cancel, you'll get money back. But a lot of airlines' flights are nonrefundable. ... (See Refunds if you pay with points)

Chip cards are more popular three years after introduction -- Chip cards are increasingly viewed as faster and more convenient than magnetic strip cards, a Fiserv survey finds ... (See Chip cards)

Should I fund my e-commerce business with credit cards? -- If you're looking to start an e-commerce business through Amazon or another online marketplace, you should avoid credit cards until you have predictable orders and cash flow ... (See E-commerce business)

How to use credit cards to offset pharmacy expenses -- Cash back, rewards and travel cards can help bear the cost of pharmacy expenses. The choice will depend on where you usually shop for pharmaceuticals. ... (See Best cards for pharmacy expenses)

Why it's wise to keep a card open – and when it's OK to close it -- Keeping a card open is the best way to keep your credit from harm, unless it might lead you to overspend. Here's what to do in that case. ... (See Reasons to keep a card open)

Multiple balance transfers: a difficult debt payoff strategy -- Your promo APR is ending and you haven't paid off your card debt; can you roll the debt over to another balance transfer card? ... (See Balance transfer churning)

How do I stop a chargeback for a legitimate purchase? -- Disputing a purchase where a customer keeps the merchandise is called chargeback fraud. However, the burden of proof is upon the merchant. ... (See Reverse chargeback)

Big changes, good and bad, coming to SPG AmEx cards -- For current SPG American Express cardholders, there are big changes coming as loyalty programs merge with Marriott later this summer. Some are good (yay, free night), some not so much ... (See SPG Amex card changes)

Earn 50,000 bonus points with the Citi/AAdvantage World Elite cards -- If you’re an American Airlines loyalist who wants to use credit card rewards to fund your travel, the Citi/AAdvantage World Elite cards are a great option. ... (See Citi AAdvantage)

Improve your spouse’s credit score: 5 tips -- Many marriages include one spouse with good credit and another with bad or no credit. Here's how "good credit" spouse can lift "bad credit" - without driving each other nuts ... (See Improve spouse's credit score)

Beware change fees with award tickets -- If you are planning to book airline tickets with your credit card points, know what kind of fees the airline will impose if you later have to change or cancel the ticket ... (See Ticket fees)

Paying off in full vs. settling maxed-out card debt -- If you find yourself with enough cash to pay off maxed-out card debt, consider your options first, including impact on your score, taxes and fees. ... (See Paying off maxed-out card)

Rate survey: Average card APR breaks record, climbing to 16.68 percent -- April 25, 2018: The average credit card interest rate recorded another record high this week, according to the Weekly Credit Card Rate Report. ... (more)

Do student loans, work study, qualify as income on card application? -- Card issuers have different policies on what can be considered income on a credit card application. ... (See Qualifying income on card application)

Charged Up! podcast: Financial lessons for millennials -- Whether you're a new graduate or wanting to finally understand finance, former trader and author Michael Taylor joins us to teach you the mathematical concepts you need to know to avoid debt and start building wealth now ... (See Podcast)

'FOMO,' 'likes' and card debt: How Facebook might lead you to overspend -- Facebook's business model makes it easy for advertisers to know almost everything about you, increasing the chances you overspend. Here's what you can do. ... (See Facebook and overspending)

Entertaining clients on a business credit card: Tips to do it right -- Business credit card rewards, concierge services and loyalty programs can help business owners bear the cost of client entertainment. ... (See Entertaining clients on a business credit card)

Can I sign up for the same card twice and get the sign-up bonus? -- If you already received a sign-up bonus for a credit card and closed it, in some cases you can sign up for the same card again and get the points ... (See Getting the same card twice)

More millennials have credit card debt than student loans -- More millennials have credit card debt than student loans, a NBC News/GenForward survey finds. ... (See Millennials and credit card debt)

Which business credit card should our church sign up for? -- If you have a small business or nonprofit organization and need a business credit card, there are several options to help you get started on credit with little risk ... (See Choosing a small business card)

Poll: It's easy to get rid of credit card fees if you ask -- It’s easier than you think to get a credit limit increase, lower APR, late fee or annual fee waiver from your credit card, a poll shows. ... (See Fee waiver poll)

Why savvy points earners always pick up the check -- In the world of credit card rewards, there are literally hundreds of points on the table every single time you dine out ... (See Pick up the check to earn rewards)

6 hotels with water parks you can book with points -- How hotel points can provide a place to sleep as well as provide entertainment with access to world-class pool complexes ... (See Hotels with water parks)

Ready for your first airline card? Ask yourself these questions first -- Ready for that free flight? If your credit is strong, there's no reason why you can't get in on the action ... (See Airline cards)

Spendthrift daughter racks up thousands on mom's card -- After racking up $1,500 in charges, mom told her to stop, but then she kept on spending. ... (See Spendthrift daughter)

Video: 4 times you should close a card -- Here are four times you should consider closing a card, even if it means dinging your credit score ... (See Closing a card)

Using points to visit national parks -- While visiting a national park might get you off the grid, you can use your credit card rewards beforehand to get you there for free ... (See National parks)

When to be on the lookout for a credit card upsell -- How to combat the constant barrage of card offers you get from everyone from your insurance provider to your favorite store. ... (See Credit card upsell)

Individual vs. combined utilization: Which one has greater effect on score? -- Having at least one card with high utilization can hurt your score, even if your overall utilization is low. Here's what to do. ... (See Individual vs. combined credit utilization)

Rate survey: Average card APR climbs to new high of 16.65 percent -- April 18, 2018: The average credit card interest rate smashed another record Wednesday, climbing to an all-time high of 16.65 percent, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: How to successfully network -- Author and social scientist David Burkus talks about the most effective way to tap into your network ... (See Podcast on networking)

Beefing up thin credit file can improve odds of next card approval -- Issuers want to see that you've successfully managed numerous accounts before approving you for a new, high-end card ... (See Thin credit file)

Expat guide: Maximize your US credit card while living overseas -- Moving abroad? Make sure to bring with you a U.S. credit card that charges no fees and includes benefits and rewards on purchases made overseas. ... (See U.S. cards for expats)

Is it worth it to transfer Hilton hotel points to American Airlines? -- If you want to transfer hotel points to an airline to get a free flight, check the transfer ratio first to make sure you're not losing value ... (See Transferring points)

What to do when a balance transfer credit line isn't big enough -- Options for when that new balance transfer card's credit line isn't large enough to absorb all your high-interest debt. ... (See Balance transfer credit line)

Americans going cashless varies by age and region -- While three in 10 Americans say they never or rarely carry cash anymore, millennial women in the the Southeast and Southwest are leading the way, a Capital One study finds. ... (See Americans are going cashless)

Funding a small business when you have a low credit score -- If you're looking to fund a new business but don't have the credit or established history to get a loan, there are ways to do it without resorting to a high interest loan ... (See Small business loans)

Terms and benefits checkup: Assess your credit card's value periodically -- The card you signed up for might not be the same card now in your pocket. Reviewing its terms and conditions can help you discard it or make it your go-to card. ... (See Terms and conditions checkup)

Chase launches new Marriott Rewards card with a 100,000-point sign-up bonus -- The new Marriott Rewards Premier Plus card offers 100,000 bonus points, 6 points per dollar at Marriott hotels and 2 points per dollar on everything else. ... (See Marriott Rewards)

4 things no one tells you about your credit score – but should -- Having good credit is not as hard as you think. Here are four things that will help you stay on top of your credit without too much hassle. ... (See Matt about Money)

CFPB considers deleting complaints from website -- CFPB acting director John M. 'Mick" Mulvaney said deleting public database of consumer complaints about companies is an option ... (See CFPB complaint database)

Airline, hotel rewards card trends to watch for -- Issuers are honing in on giving bigger bonuses to a select few, and reward those who continue to use their cards long after the welcome bonus has been achieved. ... (See Rewards card trends)

New Visa chargeback system aims to speed dispute resolution -- A new Visa chargeback system will speed the dispute process for consumers and cut fraud and costs for merchants. ... (See New Visa chargeback system)

How do I get my lender to report payment activity to the credit bureaus? -- Not all lenders report payment activity to the credit bureaus; make sure yours does before applying for a credit card or loan. ... (See Payment activity)

Video: What are credit card grace periods? -- If you pay your credit card balance in full and on time each month, interest does not start charging immediately on new purchases. This is called a grace period. Let’s see why grace periods are so awesome ... (See Video: A credit card's grace period)

Are foreign airline credit cards worth it? -- Find out which foreign airlines have domestic partners where you can easily transfer points ... (See Foreign airlines)

Too many new cards hurt my score. Should I cancel them? -- Applying for too many credit cards in a short time period can lower your credit score. Here are three steps you can take to restore your good credit score. ... (See Too many new credit lines)

Score summer festival savings using your rewards credit card -- Music festivals are super fun – and super pricey – but your rewards card can hep. Use the right card the right way to score major savings at music festivals this summer. ... (See Summer festival credit card savings)

Chase cuts benefits on 1 card, is reviewing other cards' perks -- Chase is dropping price protection and return protection from an airline credit card, and may be considering further changes to other products. ... (See Chase dropping card benefits)

Rate survey: Average card APR holds at record 16.62 percent -- April 11, 2018: The national average APR remained at its record high of 16.62 percent for a second week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: Mastering your taxes -- Make sure you're saving all the money you're entitled to when filing your taxes ... (See Podcast: Barbara Weldman on tax savings)

Should I apply for new card just to get the bonus? -- If you have a high score, the ability to apply for and then cancel a new card just to get the bonus is not going to hurt your score much. ... (See Apply for new card)

2018 gas card survey: Gas cards trail in the race to fill up your wallet -- Our latest gas card survey shows an average per-gallon discount of 5 cents. That falls short when compared to many cash back cards ... (See 2018 gas card survey )

How business owners chose their credit cards -- To choose a business credit card, business owners say they looked at what type of rewards they wanted and cards that would maximize earnings on their business spending. ... (See How to choose a business credit card)

Deciding which cards to leave at home -- If you have a stack of credit cards and are trying to decide which ones to keep in your wallet, here are some ways to decide which to keep and which to stash ... (See Top of wallet card)

Cardholders desire security features from their mobile wallets -- The No. 1 desired mobile wallet feature: A "No, I didn't buy that" button. ... (See Mobile wallet security)

Consumers' fears of missing payments hit record low, NY Fed says -- Consumers' expectations of meeting their minimum debt payments reached a record level of optimism in March, New York Fed survey finds. ... (See NY Fed survey of consumer expectations)

Some California businesses, but not all, are exempt from surcharge ban -- Ruling by 9th Circuit Court early in 2018 exempts some, but not all, businesses from ban on credit and debit card surcharges. ... (See California surcharge law)

Best starter credit cards, regardless of your creditworthiness -- Whether you're a student or a first-time cardholder getting in on the rewards game, these starter credit cards can help score savings from day one. ... (See Best starter credit cards)

Guide to flying with children and unaccompanied minors rules -- When buying airfare for an unaccompanied minor, you may be able to pay with your card points and use a premium card's travel credits to cover the added fees. ... (See Save on airfare for unaccompanied minors)

Fed: Card balances rose by $100 million in February -- Card balances continued to climb to new heights in February, according to the Federal Reserve ... (See Credit card balances)

Best credit card options for DINKs -- Are you a DINK couple – dual income, no kids – looking to splurge on travel, shopping or dining out using your credit card? These options and tips can help. ... (See Best cards for DINKs)

4 countries where you can stretch your hotel points -- The U.S. isn’t always where you can get the biggest bang for your points when it comes time to redeem. ... (See Hotel redemption deals)

Widow racks up card debt on deceased husband's card -- For 15 years, a widow used her late husband's card and now wants to walk away from the debt she racked up on it. ... (See Using deceased spouse's card)

Video: Four times to open a new card -- Getting bogged down with card offers but not sure about adding more plastic to your wallet? Here are four times we think you should definitely take the plunge. ... (more)

How to find hotel deals on hotel booking sites -- The best hotel deals often can be found on third-party websites ... (See Hotel deals)

Get up to 80,000 bonus points and 10x points on hotel stays with Chase’s new IHG cards -- Chase and IHG have added two new products to their credit card portfolio: the IHG Rewards Premier card and the IHG Rewards Club Traveler card. ... (See IHG)

Half of new credit accounts are opened online -- Half of new credit accounts are opened online, but the percentage differs by generation, a Jumio survey finds. For example, millennials lead in starting and completing a credit application by smartphone. ... (See How we open credit accounts)

Rate survey: Average card APR jumps to all-time high of 16.62 percent -- April 4, 2018: The average credit card interest rate broke a new record this week, landing within rounding distance of 17 percent for the first time ever, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Credit card late payments fall to lowest level in three years, bank group says -- Delinquencies on credit card accounts fell in the fourth quarter of 2017 for their best showing in more than three years, bank industry group says. ... (See Credit card delinquencies)

Steps to clear fraudulent accounts set up by a parent -- A minor is not morally, financially or legally responsible for the debt incurred fraudulently by a parent. ... (See Fraudulent accounts)

Charged Up! podcast: How smart couples can retire rich -- Numerous times bestselling author David Bach talks about the lessons in one of his most popular books, "Smart Couples Finish Rich." Bach claims you don't need to make a lot of money to make sure you have a lot when you retire ... (See Podcast: How smart couples can retire rich)

Earn 75,000 miles each year with the new Barclays Arrival Premier card -- Read on to see how – by combining the generous rewards rate with the annual bonus – you can earn more than 75,000 miles each year with the new Barclays Arrival Premier World Mastercard. ... (See Barclays)

Got an 800-plus credit score? Do these 3 things -- Ready to start taking advantage of your top-notch credit status? Here are three moves to consider once you join the "excellent" credit score club. ... (See 3 key moves)

With Citi Costco card, which gas stations earn 4 percent cash back? -- You can earn rewards most places you fill up, with a few exceptions ... (See Costco cash back)

Millennials most likely to fall for financial scams, FTC finds -- Millennials are more likely to fall for financial scams, the Federal Trade Commission finds. Seniors, however, lose more money to fraudsters. ... (See Millennials and financial scams)

Card reward tips to save on baby and bridal shower gifts -- When buying bridal and baby shower gifts, you can use your credit card rewards to rack up points and cut your costs. One tip: Put a group gift on your card to get all the points. ... (See Baby and bridal showers)

How to get payment if a customer's credit card is declined -- Your small business has options to recover the money that is owed. ... (See Customer payments)

7 tips to spring clean your finances -- Spring has sprung and you’ve dug out the quarters between your couch cushions. But there are better and more efficient ways to free up some cash. Here are seven. ... (See Spring clean finances)

Credit card fees you can (and can't) negotiate with your issuer -- Not all credit card terms are negotiable, but many of them, including late fees and interest rates, are. These tips will help you get better terms on your card. ... (See Card fees you can negotiate)

CFPB rollback of payday loan protection draws criticism -- Consumer advocates decry lack of enforcement actions and reopening of payday loan regulation by consumer watchdog agency led by Trump appointee. ... (See CFPB rolling back payday loan protections)

Can employer deduct card transaction fees from my commission? -- Before you invest time selling products for a company, know exactly how you will be paid. ... (See Card transaction fees)

When credit card annual fees are too high for your budget -- Steps to take when the annual fees you are paying for your rewards credit cards are simply too high for your budget. ... (See Annual fees)

8 expenses you should never charge on a business credit card -- From excessive client entertainment to payroll, there are some expenses you should not charge on your business credit card. ... (See Unwise business card charges)

Chase Pay: How to use it and rack up cash back rewards -- Chase Pay's acceptance might still be limited, but these strategies can help you rack up cash back using your Chase Freedom card in the mobile wallet. ... (See How Chase Pay works)

Almost half of Americans plan to use tax refund to boost savings -- As tax refunds arrive, almost half of Americans say they will use some or all of their windfall to boost savings, a National Retail Federation study finds. About a third say they'll use their refund to pay down debt. ... (See Tax refunds: Save or pay down debt?)

Baseball fans, swipe your credit card for 'Ice cold beer here!’ -- MLB vendor Aramark will arm its in-seat food and beverage sellers with card payment systems for the 2018 season. ... (See Baseball vendors accepting credit cards)

Using your credit card rewards to book a free cruise -- Before shelling out hundreds of dollars for a cruise, check to see if your credit card rewards can help offset the cost ... (See Cruises)

Buying a home? Rewards cards and balance transfers can help -- When buying a home, a lot of your expenses can be put on rewards cards racking up cash back and points, and for all that new debt, a balance transfer card can offer breathing room to pay off your cards. ... (See Credit cards and the homebuying journey)

Unpaid cable termination fees can seriously hurt your credit -- Considering canceling a cable contract without paying termination fees? Think again. It can be sent to collections and seriously hurt your credit. ... (See Unpaid cable termination fees)

Average card APR climbs to record 16.47 percent -- March 28, 2018: Interest rates on new credit cards rose Wednesday for the first time in seven weeks, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Store-card issuers top list of complaints with the CFPB -- Retail cards were the top source of credit card-related gripes filed with the Consumer Financial Protection Bureau in 2017. ... (See Credit card complaints)

Charged Up! podcast: Is day trading right for you? -- If you think you have a knack for day trading, learn best practices from Quantiacs' Alex Foster ... (See Day trading)

Why was I denied a no-credit-check secured card? -- Find out why your application was rejected in order to avoid getting turned down again. ... (See Card denied)

Sustainable living without breaking the bank: Here's how to do it -- Going green and saving some green don't have to be mutually exclusive. Here's how you can balance sustainable living and living within your means. ... (See Sustainable living on a budget)

4 cooler ways to redeem cash back rewards -- You can offset your statement charges, but you could also put that extra cash toward investing or your favorite charity. ... (See Cash back rewards)

How to keep your points when you cancel a card -- When canceling a card, you may lose your points, but in many cases, you won't ... (See Keeping rewards)

What are my rights regarding convenience fees for utilities? -- A homeowners association can charge a convenience fee for dues including utility charges because of a loophole in California law ... (See Convenience fees)

Consumer trust in Equifax sinks after data breach -- Consumer trust in Equifax sank after its 2017 data breach. Confidence in other credit bureaus is above 70 percent, for Equifax it's 60 percent. ... (See Consumer trust in Equifax sinks)

Poll: 49 million have never switched favorite credit card -- Despite a deluge of offers and a bonanza of available rewards, 4 in 10 Americans say they never changed their favorite credit cards, says a poll ... (See Favorite card)

How points and miles can make first-class flights affordable -- Credit card points and miles can make first-class flights affordable. ... (See Points, miles and flying first class)

Mortgage approved! Time to let your credit score slip? -- You've just closed on a new home. Don't rest on your laurels when it comes to your credit score ... (See Mortgage and credit score)

Hotels you can book for 5,000 points per night or less -- Some hotels require 100,000 points per night, but armed with a little know-how, you can get some great deals for much less. ... (See Hotel reward deals)

10 common travel credit card mistakes you need to avoid -- Redeeming points for cash back or letting your miles expire are two of 10 common mistakes you should avoid. ... (See Common travel card mistakes)

Can I fix late card payment damage after autopay fail? -- Whether the late payment is your fault or not, that mark on your credit report will be nearly impossibly to remove. ... (See Autopay fail)

Capital One plans free business credit reports -- Capital One's new Business CreditWise aims to make business credit easy to understand and business credit reports free for small-business owners. In beta now, the official rollout is tentatively set for summer 2018. ... (See Capital One Business CreditWise)

Is it better to call when booking complicated reward travel? -- If you're trying to book a complicated trip with points, it may pay to call but it won't always reap the rewards you're hoping ... (See Reward travel )

Chase cardholders can charge advance horse-racing bets -- A decision by Chase to allow credit card transactions for online wagering on horse races is expected to prompt rivals to come out of the starting gate. ... (See Chase and online horse-racing bets)

Can decades of excellent credit vanish from my report? -- Years of great credit can vanish from your report if you don't keep your credit active. But there are ways to rebuild credit from the ground up. ... (See Old great credit vanished from report)

Credit card APRs to rise as Federal Reserve raises rates again -- Credit card APRs will rise after the government's interest rate setting committee decided to raise its benchmark rate by 0.25 percent to keep inflation in check. ... (See Fed raises rates; card APRs to rise)

Rate survey: Average card APR holds still at 16.41 percent -- March 21, 2018: Interest rates on new credit card offers didn’t budge this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Mom used my SSN when I was young; do I have to tell anyone? -- Whether she paid accounts on time or not, she committed fraud and those accounts need to come off your credit reports. ... (See Identity theft)

Charged Up! podcast: Why you need more money -- Whether you're living off your credit card or maxing out your 401(k), businessman Matt Manero says you need more money and he shares his tips on how to make it happen ... (See Podcast on making more money)

Best credit cards for groceries: 2018 -- Looking for the best card to use while grocery shopping? These options will help you score major savings in the form of cash back, regardless of your credit profile. ... (See Best credit cards for groceries)

How to transfer reward points to airlines -- If you have general reward points through a credit card, it's a simple process to transfer them to a partner airline for a free flight ... (See Transferring reward points)

7 everyday card questions that can leave you confused -- Here are the most common simple yet vexing questions regarding credit and debit cards, and how you can answer them with confidence. ... (See Everyday card questions)

Infographic: Cards, debt, delinquencies all on the rise -- The number of open credit cards, the share of cardholders with seriously delinquent accounts and the amount of debt are all on the rise, TransUnion finds ... (See Cards, debt and delinquencies)

Why is there a surcharge to use my card at a gas station? -- Surcharges can be frustrating for customers. If you're a business owner, consider eliminating them or give options to avoid them ... (See Gas station credit card surcharge)

Video: How to set up your mobile wallet -- Follow these steps to learn how to add your favorite credit cards to the mobile wallet on your smartphone. ... (See Video: Setting up your mobile wallet)

The solo traveler's guide to keep you and your cards safe -- As a solo traveler, you have to be extra cautious with the safety of your finances and lodging, because you don't have a backup. You should, however, have a backup credit card. ... (See Guide for solo travelers)

Shopping for a new credit card: 3 crucial questions to ask -- The right credit card can mean major savings and generous perks. Here's what you need to ask yourself before applying to get the best card for you. ... (See 3 key card questions to ask)

A 1099-C does not wipe out unpaid debt from credit reports -- Even when reported on your tax return, a 1099-C does not automatically clear an unpaid balance from your credit report. ... (See 1099-C and credit reports)

Headed abroad? Which US issuers offer chip-and-PIN cards -- Chip-and-signature cards may leave you in the dust at kiosks and terminals abroad, so arm yourself with a true chip-and-PIN card from one of these issuers. ... (See US chip-and-PIN cards)

5 least expensive airline award redemptions -- If you know where to look, airline awards can sometimes ring in at prices much, much lower than the ‘standard’ 12,500 miles each way. ... (See Lowest airline awards)

Busted for card theft? What to expect -- The penalties you face for using someone else’s credit card without their permission vary by state and how you used the card. ... (See Card theft penalties)

Your Priority Pass membership now offers more -- If you receive Priority Pass membership from one of your high-end credit cards, you can now dine at some restaurants and stay in hourly hotels for free ... (See Priority Pass)

Video: Hidden credit card perks -- You know about the bonus, you know about points -- but your card may offer other perks if you know what they are and use them when you need to ... (more)

Can adding authorized user to charge card help them build credit? -- Charge cards are excluded from utilization calculations, so they might not help boost authorized users' credit as much as a traditional credit card. ... (See Charge cards and authorized users)

Rate survey: Average card APR holds steady at 16.41 percent -- March 14, 2018: Interest rates on new credit card offers remained at a record high this week, according to the Weekly Credit Card Rate Report ... (See Weekly Rate Report)

Is bankruptcy an option when illness wrecks finances? -- Your first step is to create a detailed budget, then meet with a credit counselor. ... (See Bankruptcy option)

Charged Up! podcast: Managing unpredictable income -- If you have a business or a job with unpredictable monthly income, financial advisers Philip Olson and Julia Lorenz-Olson will help you learn to survive the lean months ... (See Podcast)

It may soon be safer to type passwords on public Wi-Fi -- New privacy protocol, WPA3, will better secure your online browsing activity and Wi-Fi-connected gadgets. ... (See Safer public Wi-Fi)

Will I still earn rewards if I pay off my balance early? -- If you pay off your balance early, you'll still get the rewards you earned for net purchases. Even better, you won't run the risk of incurring interest ... (See Rewards)

Under Senate bill, free credit freezes, fewer consumer protections -- Consumers will get free, fast credit freezes to halt ID theft under a Senate bill, which also cuts protections against unfair and risky lending. ... (See Free credit freeze proposal)

Can I buy a house if I have business debt I can't pay? -- If you still have unpaid credit card bills from a business you closed, you need to take care of it before assuming new liabilities ... (See Business debt)

Study: ID theft hits an all-time high again -- ID theft incidents are spreading to many different account types, a Javelin study finds ... (See ID theft)

Flying with Pets: Policies by Airline and Airport -- Need to fly with Fido? Know that a few airlines help offset the sometimes substantial cost by offering rewards for traveling with an animal companion. ... (See Flying with pets)

How rewards can help you earn status matches or challenges -- Some rewards cards give you hotel status when you sign up or when you hit a spending threshold. Status matches and status challenges are a way to climb elite ranks. ... (See Status matches and challenges)

Russia World Cup travel reward deals limited, but still available -- If you want to use your miles and points to travel to the FIFA World Cup in Russia, it will take research, strategy and a little creativity. ... (See World Cup 2018 rewards deals)

Can I keep using ex-boyfriend's card? -- Even if you had permission to use the card during the relationship, to continue to use it after you break up is fraud. ... (See Using ex's card)

When rotating categories don't match your spending habits -- Here's how you can rack up savings using the rotating categories on your cash back card when those categories don't match your lifestyle or spending habits. ... (See Cash back rotating categories hacks)

Earn 30,000 bonus miles with AmEx Delta SkyMiles cards -- If you’re looking for a way to earn a large influx of airline rewards to use toward free travel, the Delta SkyMiles cards from American Express may be your answer. ... (See Delta SkyMiles)

MileagePlus X: A unique, mobile way to earn miles on United -- United Airlines MileagePlus X is a unique app that lets you earn miles on everyday purchases. This step-by-step will help you master its use and score major reward miles. ... (See United MileagePlus X app)

Multiple Chase cards can mean better travel options -- If you have a high-end Chase card, you can easily boost your rewards from your other Chase cards and work less to get more travel ... (See Multiple Chase cards)

Can your card company impose a new annual fee on you? -- Card issuers can make changes to their products, such as start charging fees on otherwise no-fee cards. These are your options when hit with a new fee. ... (See Unexpected credit card annual fee)

Should I avoid applying for a card that pulls all three bureaus? -- Avoiding a card application that will pull all three bureaus? Fret not. Each bureau calculates your score independently, so the effect on your scores will be minimal. ... (See Multiple inquiries, one card application)

Fed: Card balances grew by $700 million in January -- Card balances set a new all-time record in January, according to the Federal Reserve ... (See Debt )

Rate survey: Average card APR sits tight at 16.41 percent -- March 7, 2018: Interest rates on new credit card offers held steady this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: The future of finance -- Whether you're juggling debt on multiple credit cards or wondering if you have the passwords to all of your investment accounts, there's an app for that ... (See Podcast on financial tools)

What type of card should I get before I go back to school? -- Once you quit working and become a full-time student, your chances of getting a card are pretty much gone. ... (See First card)

Poll: Lending out your credit card often leads to disaster -- Nearly half of Americans who have owned credit cards lent them out to other people. For a third of them, it didn't end well ... (See Lending out cards)

Paying with cards at marijuana dispensaries? It's complicated -- Marijuana is legal in 29 states and D.C., but remains illegal under federal law, which has hindered dispensaries' access to card processing options. Still, some might let you pay with plastic. ... (See Cannabis and credit cards)

Booking a trip on two airlines has risks -- If you found a great deal from another city to a vacation destination, be sure to pad layover time to avoid missed flights and lost money or points ... (See Booking separate flights)

Infographic: Millennials, once credit-shy, have gotten over it -- Research from the Aite Group shows the under-36 crowd is eager for rewards ... (See Millennials get over credit shyness)

Rewards card tips to cut the cost of a family trip to Disney World -- Make your Disney World dreams come true by offsetting hotel and airfare costs through credit card rewards programs. ... (See Disney World card rewards)

Citi hikes ThankYou Premier card’s sign-up bonus to 60,000 points -- Citi has upped the sign-up bonus for the ThankYou Premier card by 10,000 points. The new offer lets cardholders earn 60,000 bonus points after spending $4,000 in the first three months of account opening. ... (See Sign-up bonus)

Am I liable for unpaid bills on a company credit card? -- If you have a company credit with your name on it, you could be liable if the company isn't paying. ... (See Business card debt: Who's liable?)

First credit card dilemma: Student card vs. secured card -- Student cards and secured cards are good options for first-time cardholders, but both have pros and cons. Here's how to decide between them. ... (See Student card vs. secured card)

Can I stop payment on other cards to devote all funds to one card? -- There are serious negative consequences if you neglect to pay the minimum payment on any of your cards. ... (See Stopping card payments)

Why you should book winter holiday trips now using miles, points -- To get maximum value for your rewards, it's best to book 11 months out for next year's winter vacation. ... (See Winter trip rewards tips)

Credit cards are top source of ID theft complaints, FTC says -- Credit cards, despite tighter security, have become the top source of ID theft complaints, according to a 2017 Federal Trade Commission report. ... (See FTC report on ID theft and credit cards)

EMV cards' common errors: A guide for confused cardholders -- Does your EMV chip card not work when you dip? Do you have to hold it in the payment terminal's slot? We asked experts about these common chip card errors. Here are their answers. ... (See Common EMV chip card failures)

When you should use points for business or first-class flights -- If you like luxury, upgrades might be worth the points. But, in some cases you can't use points to upgrade ... (See Points for upgrades)

Get up to 30,000 bonus points with Navy Federal cards for a limited time -- Navy Federal Credit Union has launched several exciting, limited-time promotions for the More Rewards American Express card, the cashRewards card, the Visa Signature Flagship Rewards card and the Platinum Mastercard. ... (See Navy Federal)

Why can't I reach a perfect credit score of 850 points? -- Obsessed because your score remains stubbornly shy of 850 points? Don't bother. There's no difference between a perfect score and one in the lower 800s. ... (See Perfect credit score)

Rate survey: Average card APR remains unchanged at 16.41 percent -- Feb. 28, 2018: Interest rates on new credit card offers held still this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Consumer watchdog reverses course under Trump appointee -- Three months after taking charge of the Consumer Financial Protection Bureau, John 'Mick' Mulvaney has stopped or reversed many of its efforts to protect consumers. ... (See CFPB's transformation under Mulvaney)

Charged Up! podcast: Building better habits for financial success -- Sometimes small changes in your daily routine can have the greatest impact of all ... (See Podcast on financial habits)

Will a 'no-credit-check' card show up on my credit report? -- Adding a new card to your arsenal is a wise move, but know that hard inquiries are temporary and don’t cause a huge amount of damage. ... (See No-credit-check card)

What are American Express points worth? -- See how much American Express points are worth and how they compare to other rewards programs' points. ... (more)

Amex Membership Rewards Guide: Maximize Points -- Our American Express Rewards guide gives you the full rundown on earning and redeeming Membership Rewards points and helps you figure out which Membership Rewards card is best for you. ... (more)

3 simple keys to great credit -- If you're aiming for a perfect score, there are quirks and nuances and details you would need to know. For the rest of us, credit basically comes down to three thing ... (See 3 keys to great credit)

American Express Gold Card vs. Platinum Card from American Express -- While the AmEx Platinum card offers far more freebies and high-end benefits than the AmEx Gold card, it is also substantially more expensive and doesn’t offer as much value on everyday purchases. See what else we found when comparing the two cards. ... (See American Express)

11 money, credit management tips for extended vacations -- Launching a long trip? Set up a vacation-friendly money and credit system. Here are 11 tested tips from intrepid travelers and financial experts. ... (See Credit management for long vacations)

Do all purchases count when building rewards? -- If you're looking to pay certain bills to get more credit card rewards, make sure you know what counts as a purchase that would be eligible for points ... (See Rewards: which purchases count)

Credit card case before Supreme Court could change rewards game -- Consumers could get discounts for using one credit card over another, but rewards could be affected if Supreme Court rules against American Express's anti-steering rules. ... (See Card rewards' legal challenge)

Poll: 16 million Americans fear stolen cellphone more than identity theft -- Experts say personal data theft is a greater danger, but losing your cellphone also has risks ... (See Equifax breach and cellphone poll)

3 ways many rewards cards give you hotel status -- You may get hotel status at sign-up, a points boost with your card or a higher elite grade with a spending milestone ... (See Rewards cards and hotel status)

Citi to refund $330 million in interest charges to cardholders -- Citi discovered errors in re-evaluating APRs for millions of cardholders who resumed on-time payments after slipping up ... (See Citi refund )

The 3 types of rewards cards you must have in your wallet -- It can be tough to figure out which cards will be the best fit with your spending and lifestyle, but there are three main types you need in your wallet. ... (See Rewards cards)

Do I have to pay taxes on deceased husband's debt? -- If your husband had an estate, and if the estate had not been insolvent (had money in it to pay debts), the estate would have had to pay tax on any canceled debt. ... (See 1099-C)

Charged Up! podcast: Save money without sacrifice -- Find out how to negotiate down your bills, get your credit score up fast and create a budget you'll actually follow in this podcast episode ... (See Podcast on money hacks)

Should you stay loyal to one card or play the field? -- With so many cards to choose from, sticking to just one can make you feel as if you're missing out, but there are some upsides. ... (See Staying loyal to one card)

More credit cardholders can count on concierges -- You no longer need be ultrarich, or even pay a fee, to obtain the customized services of a credit card concierge. ... (See Credit card concierge services)

Smart tips for using points during peak season -- Blackout dates often prevent you from traveling during the time you likely want to travel the most: peak season. Here are four tips to help you get flights with rewards once school is out ... (See Summer Travel)

Amazon offers Prime members 5 percent cash back at Whole Foods -- If you’re a fan of Whole Foods but aren’t necessarily a fan of their prices, Amazon just launched a new offer that can make your organic shopping trip even more valuable. ... (See Amazon Prime)

When paying off multiple credit card balances backfires -- Paying off multiple card balances can sometimes prompt account reviews with unintended side effects, such as lower credit limits on other accounts. ... (See Paying off multiple card balances)

Rate survey: Average card APR holds steady at 16.41 percent -- Feb. 21, 2018: Interest rates on new credit card offers didn’t budge this week, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Will fraudulent use of mom's card jeopardize her J-1 visa? -- People living here on visas are at risk of having their status revoked if they commit certain crimes, but the offensives need to be both substantiated and serious. ... (See Fraud impact on J-1 visa)

What is a good APR for a credit card? -- With new card offers' interest rates at an all-time high, you may still be able to find offers that shave a few percentage points. ... (See What is a good APR for a credit card?)

Video: Skiing on points -- Ski trips make for some of the most thrilling winter adventures … and most expensive. Here are a few ways you can enjoy the slopes without spending a fortune. ... (See Video: Skiing on points)

Do my Walmart groceries earn category bonus points? -- While Walmart typically doesn't count as a grocery store to card issuers, there are ways to get those bonus points ... (See Category bonus points)

Card rewards cut 'travel sports' costs -- Youths playing on sports travel teams can be costly for families, so parents smartly use points for hotels and flights to get ahead in the game. ... (See Card rewards cut travel sports costs)

American Express Platinum Card® offers 100,000 bonus points through CardMatch -- The Platinum Card® from American Express is currently offering select applicants a 100,000-point sign-up bonus after spending $5,000 in the first three months of card membership through's CardMatch tool. ... (See CardMatch)

Most U.S. cardholders carry at least one balance -- Most U.S. consumers have both general purpose and private label credit cards, and a majority carry a balance on at least one of their cards, the Consumer Financial Protection Bureau finds. ... (See Most cardholder carry at least one balance)

Credit card on/off switches: More card issuers adding them -- The digital switches give cardholders greater control over their accounts and can help reduce card fraud. ... (See Credit card on/off switches)

Can I impose a minimum transaction of $10 for card purchases? -- If you're a small business wanting to impose a minimum transaction amount, know the rules the card companies have to avoid trouble ... (See Minimum transaction of $10 for cards)

New house vs. new cars: Which should I buy first? -- Buying a new house and new vehicles will both impact your score. If you want to make sure you qualify, go with the mortgage first. ... (See Credit impact: New house vs. new car)

Will canceled debt affect my Social Security income? -- Income from canceled debt is taxable, but shouldn't be counted as "earnings" by the Social Security Administration. ... (See Canceled debt)

Using miles to experience an authentic St. Patrick's Day in Ireland -- Rewards redemption tips for a genuine St. Paddy's Day celebration in Ireland. ... (See St. Patrick's Day in Ireland)

5 months after Equifax breach, no new data security rules -- Five months after Equifax data breach, debate over tighter security rules continues – but new tools let individuals lock their credit files. ... (See After Equifax, still no data security rules)

American Express EveryDay card removes balance transfer fee -- The American Express EveryDay card has removed its balance transfer fee and lengthened the introductory APR on purchases and balance transfers ... (See AmEx EveryDay)

Airline cards can get you extra perks, even in the cheap seats -- The right airline cards can make rock-bottom fare airline restrictions bearable ... (See Economy fare perks)

10 common cash back credit card mistakes -- Signed up for a cash back card but not getting enough love? You might be making one of these common mistakes ... (See Cash back credit card mistakes)

How a balance transfer can negatively impact your credit score -- A balance transfer card can temporarily impact your credit by increasing utilization, reducing length of credit history and adding a new account to your report. ... (See Balance transfer's effect on credit score)

Rate survey: Average card APR stays put at 16.41 percent -- Feb. 14, 2018: The average credit card interest rate remained at a record high Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Charged Up! podcast: Learning your money personality -- The Money Couple, Bethany and Scott Palmer, talk about the five different personalities and how to learn yours and your partner's. ... (See Podcast on money personalities)

Should you transfer someone else's balance to your credit card? -- Assuming another's high-interest debt can help them lower their debt costs, but you may never get paid back ... (See Balance transfer )

Can a minor be sued for defaulted card debt? -- Since he was issued the card illegally, and can't repay what he charged, what are the consequences? ... (See Minor opened card)

Credit card rewards use by generation: Who's doing the better job? -- The degree to which cardholders successfully use credit card rewards varies considerably by generation – and not necessarily in ways we may expect. ... (See Credit rewards use by generation)

Late payments on cards worsen as balances rise, NY Fed says -- Growing card balances are weighing heavier on consumers' budgets, New York Fed report shows, but problems remain low historically ... (See Credit card delinquencies on the rise)

Earn up to 75,000 bonus miles with the Chase United Explorer cards -- If you’re a fan of United Airlines and looking for an easy way to earn an influx of bonus miles, the Chase United Explorer card is a great option. ... (See Chase United)

How to set up the right 'default' card on your mobile wallet -- Default cards on digital wallets such as Samsung Pay and Apple Pay are the new "top of wallet" cards. Use these tips to set up and pick the right one to maximize rewards. ... (See Default cards and digital wallets)

Credit card comeback from recession nearly complete -- New card accounts have risen to the level just below 2007, says American Bankers Association data ... (See Credit card comeback)

Earn up to 30,000 bonus points with JetBlue cards -- We break down everything you need to know about the JetBlue and JetBlue Plus cards, including which one offers the most valuable sign-up bonus and the most efficient ways to redeem your points. ... (See JetBlue)

Am I on the hook for my business's credit card debt? -- If you, the business owner, signed a personal guarantee to get your card, you are liable for the debt ... (See Business credit card debt)

Card debt payment options for elderly relatives with dementia -- If a relative is unable to take care of credit card debt due to dementia, you have options. ... (See Disabled relatives and credit card debt)

How jumping on first card offer can backfire -- If you're new to credit, don't apply for the first card offer you get as it may not be the best deal you can qualify for. ... (See First card offer)

Etiquette guide for 'refer-a-friend' credit card programs -- You want that bonus, but you don't want to lose your friend. Here's how. ... (See Refer-a-friend etiquette)

Which reward is better: cash back or travel? -- Before you get taken in by a great sign-up bonus, make sure you know what reward structure is best. ... (See Cash back or travel rewards?)

How to use a cash back card as a savings tool -- With some planning and a strategy, you can save for emergencies or big expenses ... (See Using cash back card for savings)

How will removing authorized user affect their credit score? -- You can build credit quickly by being added as an authorized user, but the benefits can vanish if you are removed from the account. ... (See Authorized user removal)

Charity Charge nonprofit beneficiaries -- Charity Charge cardholders donate their 1 percent cash back rewards to nonprofits and causes that they select. Beneficiaries are working in local communities and all over the world. ... (See Charity Charge)

Fed: Card balances rose by $5.1 billion in December -- Card balances rose to a new all-time high in December, according to the Federal Reserve ... (See Debt )

Average card APR breaks new record, climbs to 16.41 percent -- Feb. 7, 2018: The average credit card interest rate smashed another record this week, climbing to an all-time high of 16.41 percent, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: Tips for the business traveler -- Get tips on strategizing rewards for business travel ... (See Business travel reward strategies)

Tips for getting that first credit card and building credit -- If you're under 21, you have to prove that you have regular income to qualify for a credit card ... (See First credit card)

U.S. cities with the heaviest credit card debt burden: San Antonio is No. 1 -- San Antonio residents would take the longest time to pay off credit card debt relative to income compared to other major U.S. cities, a analysis found. By contrast, San Francisco and Minneapolis residents would take the shortest. ... (See Cities with most, least card debt burden)

Wells Fargo: Federal Reserve's growth cap shouldn't hit credit card holders -- Wells Fargo cardholders won't be affected by the Federal Reserve's cap on bank's growth following the fake account scandal in 2016, banks says. ... (See Fed's cap effect on Wells Fargo cards)

When you can and can't transfer points -- If you have points across various loyalty programs, there are few options to transfer ... (See Transferring points)

Buy bitcoin with credit cards? Big banks say 'no' -- Chase, Bank of America, Citigroup and Lloyds Banking Group are the latest to bar credit card purchases of bitcoin ... (See Card issuers bar bitcoin purchases)

Video: The perfect Valentine's Day on points -- Rich in points, short on cash? We'll show you how to plan the perfect Valentine's Day with your credit card rewards ... (See Video: The perfect Valentine's Day on points)

How to get an EIN as a small-business owner -- It can be tough to get an EIN and a business credit card without using your Social Security number. ... (See How to get an EIN)

Picking the right credit cards for around-the-world travel -- Two families on around-the-world adventures carried three credit cards each. Their tips? Take cards from different networks and earn rewards while you're traveling. ... (See Credit cads and epic travel)

Do I still owe card debt past the statute of limitations? -- Even if your card debt has legally expired, that doesn't mean creditors can't take you to court seeking payment. ... (See Card debt's legal expiration date)

Should I use insurance settlement to pay off card debt? -- A one-time cash infusion may help ward off having to file for bankruptcy. ... (See Insurance settlement)

Redeeming miles, points for a 'free' spring break trip -- Redeeming rewards for a whole family during a peak travel time can present some unique challenges. ... (See Spring break)

Should you postpone retirement to pay off card debt? -- If you are approaching retirement and are still revolving credit card balances, it may be better to keep working until those debts are paid off. ... (See Retirement and card debt)

Chase’s new Starbucks Visa card rewards you for every purchase -- Chase and Starbucks have unveiled a new credit card that lets you earn rewards on everything you buy - both in Starbucks stores and anywhere Visa is accepted. ... (See Starbucks Rewards Visa)

Can parking tickets still be reported to credit bureaus? -- Credit bureaus have tightened reporting rules, but companies still find ways to report small unpaid bills, such as parking tickets. ... (See Parking tickets in collections)

5 steps for finding the right rewards card -- There are a lot of offers on the market, but only some worth seriously considering ... (See Finding the right rewards cards)

Protect your credit score when churning rewards cards -- Card churning can hurt your score if you don't have a plan to pay off your balances ... (See Card churning and your credit score)

Millennials are less financially stressed now -- Millennials' stress about savings, student loans, credit card debt and other financial issues has eased in the past three years, a Bank of America survey finds. ... (See Millennials and financial stress)

Everything you need to know about credit cards and sending your child abroad -- Parents should consider adding a credit card for spending and emergencies ... (See Card options for students abroad)

CFPB's structure is constitutional, appeals court rules -- The D.C. Circuit Court of Appeals ruled that Congress can insulate the federal consumer protection bureau from political pressure by shielding the director from being fired. ... (See CFPB's structure ruled constitutional)

Rate survey: Average card APR ticks up to record 16.39 percent -- Jan. 31, 2018: The average credit card interest rate inched higher this week, breaking another 10-year record, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Charged Up! podcast: Finding your net worth -- If you're uncomfortable at the thought of talking about money, investing, debt or credit, than this podcast is for you. Find out why that conversation is so difficult and how you can get started on controlling your finances ... (See Net worth)

Will mobile wallets make us poor? -- Mobile wallets are convenient, but hide the pain of parting with money. Will the new payment forms make us poor by making it easier to overspend? ... (See Digital wallets and overspending)

Am I liable for PayPal debt if I opened an account as a minor? -- If you owe, you should pay, even though PayPal restricts accounts to those under 18, unless authorized by a parent. ... (See PayPal debt)

Best reward cards for paying monthly bills -- If you're putting hundreds of dollars a month on a credit card for your monthly bills, make sure you're using the best reward cards ... (See Monthly bills)

In card debt for the first time? Here's how to pay it off -- If the new year arrived with a new card bill you can't afford for the first time, fret not. These steps will help you draft a payoff strategy. ... (See First credit card balance)

Earn 10x miles on hotel stays with the Venture and VentureOne cards -- Capital One and have launched an offer that lets Venture and VentureOne cardholders earn 10 miles per dollar on hotel bookings made through ... (See Hotel rewards)

5 loan options to fund your small business -- When a traditional bank loan isn't an available choice, business credit cards and community banks are among the alternatives ... (See 5 business loan options)

How cash back credit cards work -- Cash back credit cards offer a flat percentage back on every purchase, tiered rewards or bonuses in rotating spending categories. ... (See How cash back cards work)

Will a consolidation loan hurt my score? -- A consolidation loan has limited impact on your score. But make sure to explore all your alternatives before applying. ... (See Consolidation loans and credit scores)

Should we sell our house to pay husband's secret card debt? -- Getting rid of your house to pay off credit card debt should be a last resort. ... (See Secret debt)

Using miles and points for Valentine's Day getaways -- Put together a romantic getaway built for two using miles and points you have on your reward credit cards. ... (See Valentine's Day getaway ideas)

Avoiding bankruptcy: Alternatives for digging out of card debt -- Drowning in credit card debt but the idea of filing bankruptcy makes you wince? Consider these alternatives to restore your financial health. ... (See Avoiding bankruptcy)

Infographic: Plastic is America's favorite way to pay -- Debit plus credit swamp cash. As for checks, what are they again? ... (See Plastic rules payments)

How to dig out of business card debt -- If you find yourself with a big balance on a small-business credit card, follow this road map to better financial ground. ... (See Business card debt)

Best flat-rate cash back cards for 2018 -- These cards pay more than 1 percent cash back on all purchases ... (See Best flat-rate cash back cards)

Why are Chase Ultimate Rewards points so valuable? -- See how much Ultimate Rewards points are worth and how they compare to other rewards programs' points. ... (See Why are Chase Ultimate Rewards points so valuable?)

What to do after defaulting on a credit card -- A defaulted card can seriously hurt your credit, but you can take steps to contain the damage. First in order: paying off the card. ... (See Default card's effect on credit)

Chase Ultimate Rewards Guide: Maximize Points -- Our Ultimate Rewards guide gives you the full rundown on earning and redeeming Ultimate Rewards points and helps you figure out which Ultimate Rewards card is best for you. ... (See Chase Ultimate Rewards guide)

Rate survey: Average card APR climbs to all-time high of 16.38 percent -- Jan. 24, 2018: The average credit card interest rate reached another 10-year high this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Credit guide for military members and their families -- While federal laws give baseline protection, many credit card issuers go beyond the minimum and offer a range of benefits exclusive to military families ... (See Military credit guide)

When a delinquent account threatens employment -- If a surprise, forgotten delinquency is noticed by an employer, the best policy is honesty. ... (See Employer credit report checks)

Charged Up! podcast: Going from bad to excellent credit -- Author Al Jones had horrible credit, but after putting a few strategies in place, he now has a near perfect credit score ... (See Perfect Credit)

How to juggle multiple credit card balances -- Paying down card debt on multiple accounts can be challenging. Here's how to save on fees and interest, protect your score and stay motivated all the way through. ... (See Juggling multiple credit card balances)

What new Fed Chair Jerome Powell means for consumers -- While other White House appointees disrupt their agencies, Jerome Powell is expected to continue the Federal Reserve's course of gradually raising interest rates ... (See New Fed Chair Jerome Powell)

Laid off? Which rewards cards to keep, discard -- Here's when you should and shouldn't downgrade a rewards card when money is suddenly tight. ... (See Laid off? Deal with your rewards cards)

Can a company reverse a refund, a year later? -- A company says it over-refunded a customer and took the money back. Can they do that? ... (See Reversed refund )

Carrying debt while approaching retirement on the rise -- The number of people about to retire, but still carrying debt, is increasing, new research finds ... (See Preretirement debt)

Financial infidelity poll: 31% say hiding accounts worse than cheating -- Survey shows many Americans may prefer to see their partners take secret lovers than hide bank accounts ... (See Financial infidelity)

Act fast when bad weather crashes your vacation plans -- Trip-delay protections on your credit card can help when your flight is canceled or delayed. ... (See Trip cancellation)

Interest rate reversal may be due to military debt protections -- The Servicemembers Civil Relief Act caps interest rates at 6 percent during active duty period. ... (See Interest rate reversal)

5 ways to maximize card rewards earning potential -- Whether you’ve just dabbled with card rewards or want to get in on the game, here are five tips to help you gain traction. ... (See Earning card rewards)

Rewards options when you have too many points -- You've saved up hundreds of thousands of credit card reward points. What are your options? ... (See Spending reward points)

Research: Sunny days increase credit card spending -- As the mercury rises, research shows we tend to spend a bit more carelessly ... (See How weather affects card spending)

Earn up to 150,000 bonus points with the AmEx Hilton Honors cards -- Whether you’re a hotel loyalty member, a world traveler, or just interested in weekend getaways, the Hilton Honors cards offer a great opportunity to earn an influx of rewards to use toward free night stays and elite membership statuses. ... (See AmEx Hilton cards)

How quickly can my score recover from a late payment? -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)

Rate survey: Average card APR jumps to all-time high of 16.35 percent -- Jan. 17, 2018: Average credit card interest rates set a new record this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Instant, in-store credit: Convenience comes at a price -- Instant credit is geared to helping you face unexpectedly large bills, but convenience could come at a price. ... (See Instant credit)

Charged Up! podcast: Stop shopping for one year -- Author Cait Flanders didn't shop for a year, which helped her to get out of debt and start saving ... (See Podcast with Cait Flanders)

Can a minor be charged for credit card theft? -- If the thief used the stolen card to purchase items, that is considered fraud, though the penalty for minors may not be harsh. ... (See Card theft by a minor)

EMV debit card payment prompts create confusion -- Customers face multiple payment options when paying with chipped debit cards ... (See EMV debit card confusion)

PenFed launches a new travel card that rewards you for everyday purchases -- In addition to offering up to 4 points per dollar on travel purchases, the new PenFed Pathfinder Rewards American Express card offers a 25,000-point sign-up bonus and a 0-percent intro APR on balance transfers for a limited time. ... (See PenFed)

Will I lose elite status if I transfer my airline card's balance? -- An airline credit card holder won't lose miles earned toward elite status if the card's balance is transferred to a lower interest credit card. ... (See Keeping elite status with airline card)

Financial setbacks common, and we expect to pay for them with credit -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)

8 ways to negotiate better credit card fees, interest and debt -- Under certain circumstances and with the right approach, cardholders may be able to have their interest rates, account fees or even their balances lowered. ... (See Card negotiation tips)

What to do if an employee misuses a corporate card -- If you're a business and issuing employees cards, make sure you have the right system in place to avoid inappropriate charges ... (See Employee misusing company card)

Reselling a gift card? This is peak season for scam -- If you received gift cards you’re unlikely to use, be careful if you try to sell or cash them online. Other options include gift card exchanges, a new app, Target stores, kiosks and donating card to charity. ... (See How to avoid gift card scams)

When is the right time to ask for a credit-limit increase? -- Considering asking for a credit-limit increase just a few months after opening a card? Not so fast. It can backfire and hurt your credit. ... (See Asking for a credit-limit increase)

Remove authorized users before filing for bankruptcy -- When things start to go south, immediately remove any authorized users to prevent bad credit marks from showing on their credit reports. ... (See Authorized users)

Using points for a ski resort vacation -- You can get a tremendous return on using points for on-mountain hotels during ski season. ... (See Using rewards for ski vacation)

Average credit scores continue climbing, despite rising debt -- U.S. consumers managed to improve their credit scores overall in 2017, despite rising levels of debt, according to a study by Experian ... (See Experian's State of Credit study)

Judge lets Trump appointee remain as CFPB head -- A federal judge rules against a challenge that said Mick Mulvaney's appointment as acting director undermines the consumer protection bureau's independence. ... (See Legal battle over CFPB)

To maximize airline travel points, fly off-peak -- If you can learn to like traveling when others are not, you have the best chance of snagging an empty seat at a great rate ... (See Fly off-peak)

Navy Federal removes balance transfer fees for a limited time -- Navy Federal Credit Union has announced a limited-time promotion that pffers new and existing cardholders a fee-free 0-percent APR on balance transfers for 12 months. ... (See Balance transfer cards)

Pay for delete: When it helps credit score, and when it doesn't -- If you think 'pay-for-delete' practices are a surefire way to boost your score, think again. They only solve one piece of the scoring puzzle. ... (See Pay-for-delete and credit score)

Product return assistance: a disappearing perk -- Credit card return assistance programs extend the window for refunds on products you've bought with the card. But they're more rare than in the past. ... (See Return assistance)

Poll: 2 in 3 U.S. adults with debt doubt they'll ever live debt-free -- Among those who owe on credit cards, 31 million think that debt will be a companion the rest of their lives. ... (See Debt-free survey)

Rate survey: Average card APR remains at record high of 16.32 percent -- Jan. 10, 2018: The average credit card APR held steady at 16.32 percent this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Chargeback rules for undelivered purchases -- Two federal laws protect consumers from being charged for items that never arrive as promised. ... (See Chargeback rules)

Charged Up! podcast: Running a successful one-person business -- Financial journalist and author Elaine Pofeldt describes the difference between a $1 million, one-person business and one that is just getting by ... (See Podcast with Elaine Pofeldt)

Watch out for limits on rewards card category bonuses -- If you're planning on spending a lot on a card in a certain category, make sure you know the limit to what you can earn so you can maximize your rewards ... (See Category bonus limits)

First-time fraud victims likely to be hit again -- With reload scams and sucker lists, some first-time fraud victims are fleeced over and over. ... (See Repeat fraud victims)

Infographic: Gen X most anxious about retirement -- Americans age 37-51 have the least confidence they will have enough money to last their lifetimes ... (See Gen)

Citi Double Cash vs. Chase Freedom: Which is best? -- The Citi Double Cash and Chase Freedom cards both offer generous cash back on everyday purchases, like gas and groceries. But instead of choosing between the two, you may be better off with both. Read on to see why. ... (See Cash back)

Fed: Consumers set all-time revolving debt record in November -- Card balances surged to an all-time high in November, according to the Federal Reserve ... (See G.19 report)

Financial guide for widows: building credit -- Tips for how to use a credit card to rebuild any lost credit or establish credit a new widow may not have. ... (See Financial guide for widows)

Help! I used the company card for personal expenses by mistake -- What to do if you use your corporate credit card for a personal expense ... (See Corporate credit card)

Two 'safe' ways to build credit using cards -- The right credit card can help you build strong credit. Either piggybacking or going solo, responsible cardholder behavior is key. ... (See Using cards to build credit)

Avoid paying interest during your card's grace period -- There are two ways to pay off a balance and one saves you from paying interest. ... (See Grace periods)

What is the Chase '5/24 rule' and how it works -- The Chase 5/24 rule can put the brakes on seasoned rewards card holders looking for a new deal. ... (See The Chase 5/24 rule)

Credit card fraud victims who fought back -- Oftentimes, card thieves are not held accountable for their crimes. These victims made sure they were. ... (See True tales of card fraud victims who fought back)

Card surcharge ban laws take another blow -- State laws that stop merchants from charging you extra when you use a credit card took another blow this week from a California appeals court ruling. ... (See Credit card surcharges)

How to earn more points when making Amazon purchases -- If you're a fan of Amazon, don't let all that spending go to waste. There are some ways you can increase the amount of rewards you get every time you buy online ... (See Earning points with Amazon)

How debt-free dreams can motivate repayment -- Five people share their unique post-debt dreams that kept them clawing toward the finish line ... (See Debt-free dreams)

Is bankruptcy discharge a credit scoring factor? -- Expect no change on your credit score when bankruptcy's discharged. For scoring purposes, it's the date it was filed what counts. ... (See Bankruptcy discharge and credit score)

Rate survey: Average card APR climbs to record high of 16.32 percent -- Jan. 3, 2018: The average credit card APR shot up again this week after multiple lenders hiked rates, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: Making your financial goals stick -- If you've made a resolution to get your finances and credit under control this year, there are some key strategies to making those goals stick and making this your best year ever ... (See Charged Up! podcast on financial goals)

Should you use card rewards to pay down debt? -- If you’re sitting on a pile of rewards and you have card debt, it’s a good idea to at least seriously consider redeeming them for cash ... (See Using rewards to pay down debt)

Citi removes foreign transaction fees from the Costco Anywhere Visa -- Citi has announced that the Costco Anywhere Visa card will no longer charge foreign transaction fees for purchases made when shopping abroad or on an international retailer’s website. ... (See Costco)

5 times you should call your bank about your card -- If you need certain services done with your card or have questions redeeming your rewards, calling your bank might be best ... (See Calling your bank)

How to organize your finances in the new year -- Tips to help you keep up with bills, avoid late fees, spot bogus charges, track spending, log card rewards and spend money right. ... (See Organize your finances )

Fed payments data: We're using credit cards for smaller purchases -- We pull out the credit card more often, and the average dollar amount per credit card transaction is shrinking ... (See Smaller purchases)

Year in review: top credit stories of 2017 -- Rising interest rates, a cash back card boom, a CFPB shake-up and new co-branded cards marked 2017. ... (See Year in review: top credit stories)

I've been a victim of card fraud but my bank won't help -- If you've been a victim of card theft and your bank is uncooperative, you have options. Federal laws, zero-liability policies protect you against fraud. ... (See Credit card fraud victim)

Hot, new rewards cards to debut in 2018 -- Which rewards cards will be hot in the coming year, and which ones will be on their way out. ... (See Rewards cards 2018)

4 credit card trends to watch in 2018 -- Get ready for new rewards and ways to pay, but carrying a balance on your card will become more expensive ... (See Credit card trends)

Dad used my credit card to go on vacation -- You can file fraud charges and get the charges removed if your dad was not made an authorized user on the card. ... (See Credit card theft)

How multiple apartment rental credit checks affect your score -- Renting an apartment may create multiple hard inquiries as potential landlords check you out. Fortunately, your credit score won't suffer, at least not much. ... (See Apartment rental credit checks)

Get the most out hotel credit card's free nights -- Hotel credit cards often offer free nights with sign-up; get the most value out of it by staying at one of their top properties ... (See Hotel card free nights)

Fear of credit card rejection can keep you in debt -- Once rejected for a credit card, the sting can outweigh the lure of what new credit can bring. ... (See Fear of rejection)

Chase Slate vs. Chase Freedom: Which is best? -- If you’re struggling under the weight of a large credit card balance, you may be looking for a card that lets you transfer debt without charging interest, such as the Chase Slate or the Chase Freedom. Read on to find out which card we recommend. ... (See Balance transfer card)

CFPB report: Deferred interest problems grow -- The U.S. Consumer Financial Protection Bureau shifted away from criticism of the consumer credit card market in the latest edition of its biennial report ... (See Deferred interest problems)

Rate survey: Average card APR continues to climb -- Dec. 27, 2017: The average credit card interest rate hit another record high this week, according to the Weekly Credit Card Rate Report. ... (See Rate Report)

Charged Up! podcast: Let's talk about debt -- Founder of Rescue 1 Financial and author of "Let's Talk about Debt," Brad W. Smith discusses how the average person gets into deep debt, what services there are to help and how to avoid an emergency debt situation ... (See Debt settlement podcast)

Parking your car? Garages and meters going cashless -- Increasingly, we dip cards or call up an app to pay for parking spots ... (See Parking and credit cards)

What does annual net income on a card application mean? -- Annual net income is how much money you earn a year after taxes and other deductions. ... (See Reporting income on card applications)

Infographic: Late payment reminder preferences -- If a credit card payment is late, most Americans would prefer a nudge by email or text alert, a FICO study finds. Currently, most late payment notices are sent via email or U.S. mail. ... (See Late payment alert preferences)

How to use points on international discount flights -- International budget airlines expand their presence in the U.S. While they usually don't belong to major reward programs, there are ways to use points to book flights ... (See Rewards for international airlines)

Credit card purchase protection benefits -- Everything you need to know about purchase protection benefits offered by your credit card. ... (See Credit card purchase protection benefits)

Will a credit card credit-line increase hurt my score? -- A credit limit increase on your credit card may improve your credit score, as it may reduce the amount you borrow versus your total available credit. ... (See Credit limit increase)

Maximize credit card rewards miles redemption with partner airlines -- On most award charts you will find "sweet spots" where a particular award is priced very competitively and offers a better value. ... (See Partner airlines)

Redeeming miles for gift cards: Usually, you lose -- To get the most value for hard-earned airline miles, it's usually best to use them for what they were designed for: travel. ... (See Redeeming miles for gift cards)

Why you should never lend your debit card to a friend -- If your card is lost, misused or anything else goes wrong, your finances and good name can suffer. ... (See Lending out debit card)

Trump appointee can stay in charge of CFPB, for now -- Trump-appointee Mick Mulvaney will remain in charge of CFPB for now, after court offered no ruling in battle over the consumer protection agency. ... (See Legal battle over CFPB)

Texas law lets merchants ask cardholders to show ID -- A new Texas law lets merchants ask a customer paying with a credit or debit card for a government-issued photo ID to prove his or her identity. ... (See Texas cardholders may be asked to show ID)

Buying gift cards with credit cards is now easier -- EMV chip card readers have cut retailers' risk from fraudsters using counterfeit cards to buy gift cards. As a result there are fewer restrictions on gift card purchases. ... (See Buying gift cards with credit cards)

Learn from rewards cards' 2017 trends, changes -- Review the credit card changes that happened in 2017 to prepare for 2018 ... (See Credit card rewards changes)

How to cancel a gym contract without hurting your credit -- How ending a relationship with a service provider by closing the card on file can backfire. ... (See Canceling gym contract)

Chase Freedom vs. Chase Sapphire Preferred: Which is best? -- The Chase Freedom and Chase Sapphire Preferred cards have both earned high praise from savvy rewards hunters. But they are actually two very different cards. ... (See Rewards cards)

Rate survey: Average card APR soars to record high of 16.21 percent -- Dec. 20, 2017: Propelled by a Fed rate increase, the average credit card interest rate jumped to a new record high this week, according to the's weekly survey of new card offers. ... (See Rate Report)

Charged Up! podcast: Making sense out of your dollars -- How your emotions dictate your spending and how you can start thinking more rationally about where you put your dollars ... (See Charged Up! podcast)

Gas pump and ATM skimmers: How to spot and avoid them -- How can you spot card skimmers? Use your eyes, your fingers, a free Android app and your common sense to cut your fraud risk, but nothing is foolproof. ... (See How to spot card skimmers)

Balance Transfer Survey -- Our research finds balance transfers remain generous, even in a rising-rate environment, as card issuers hesitate to hike fees or trim introductory offers. ... (See Balance transfer survey)

What to do with a defunct Citi Hilton card? -- If you have a Citi Hilton Visa card, is it worth keeping it when it switches to American Express? ... (See Citi Hilton card changes)

Dan Ariely Q&A: Make saving, not spending, more visible -- Dan Ariely, co-author of "Dollars and Sense: How We Misthink Money and How to Spend Smarter," offers tips to minimize irrational money moves. ... (See Dan Ariely Q&A)

Infographic: Store card applications surge around the holidays -- The average number of cards jumps almost 50 percent in November and December, a TransUnion study finds. ... (See Retail card applications surge)

Southwest cards' new sign-up bonuses offer a fast track to the ultimate perk: The Companion Pass -- If you’re looking for a good way to stock up on airline rewards to get closer to a free flight, the Southwest Rapid Rewards Plus and Southwest Rapid Rewards Premier cards from Chase may be your answer. ... (See Airline rewards)

How long can a payment processor hold funds from my business? -- If payment processors are holding on to funds to investigate transactions, there are some best practices to make the system smoother ... (See Working with payment processors)

Card companies go above and beyond for military members -- Credit card companies offer a wide range of money-saving benefits exclusive to military families, but these perks aren’t widely advertised. ... (See Credit cards for the military)

Even if you win a chargeback billing dispute, the merchant can still sue -- You must first make a 'good faith effort' to work it out with the store ... (See Card disputes and lawsuits)

When Santa is on a budget, what do you tell the kids? -- When Santa is on a budget, what do you tell the kids? Be honest with children, set gift limits and share more experiences, family financial experts say. ... (See When Santa is on a budget)

I mistakenly paid off my late husband's card. Can I get a refund? -- The odds of getting an issuer to refund a payment are slim to none, unless it was made to a stranger's account. ... (See Card payment refund)

Low interest, plain vanilla cards rare from major issuers -- To find low rates, cardholders have to look to smaller banks, credit unions ... (See Plain vanilla cards)

Millennials opening credit cards for holiday spending -- The percentage of older millennials, age 25-34, saying they’ll open a new credit card to help with holiday spending is 22 percent, Experian finds. That compares to 11 percent for Americans overall. ... (See Millennials opening credit cards)

How to give the gift of travel -- Giving the gift of trip or getaway takes care and planning so as not to spoil the surprise. If you're not sure the recipient's availability to travel, an airline or hotel gift card offers flexibility. ... (See How to give the gift of travel)

5 steps to get your rewards in order for the new year -- By getting your rewards in order and organized you can start the new year with travel goals and a clear deck of cards you use ... (See New Year card review)

3 major mobile payment security risks, and how to avoid them -- Experts say mobile payments are safer than physical cards and cash, but they aren't hacker-proof ... (See Mobile payments)

Infographic: Mobile payment use bounces up, down -- The use of mobile payments by consumers who have a compatible smartphone and a credit card has yo-yoed between 25 and 30 percent over the last year and a half, according to Auriemma Consulting Group. ... (See Mobile pay adoption)

Adding paid-off credit account to my report; is it worth it? -- Adding a paid-off credit account to your credit report won't automatically boost or hurt your score; your credit history will determine its impact. ... (See Adding paid-off credit account to reports)

Federal Reserve raises rates for third time this year -- The U.S. central bank raised its benchmark rate a quarter point – meaning higher APRs on most credit cards – and projected more hikes in 2018. ... (See Fed raises rates; card APRs to increase)

Rate survey: Average card APR dips to 16.14 percent -- Dec. 13, 2017: The average credit card interest rate slipped Wednesday for the first time since May, according to the Weekly Credit Card Rate Report. ... (See Weekly rate report)

Charged Up! podcast: Giving back and getting more -- Justin Baldoni, star of the hit show "Jane the Virgin" joins us for this 50th episode of Charged Up! to talk about how to give back and, ultimately, get more. ... (See Charged Up! podcast with Justin Baldoni)

How do secured card deposits work? -- Secured card deposits act as repayment insurance if a cardholder misses payments. ... (See Secured card deposits)

5 books, 4 movies to learn more about personal finance -- Further your and your family's money savvy with these expert-picked flicks, reads ... (See Books, movies about personal finance)

Best credit cards for extended warranties -- Before you buy an expensive item, check out what kind of extended warranty your credit card offers and choose the one with the best coverage ... (See Extended Warranty)

Upgraded Hawaiian Airlines card offers 50,000 bonus miles -- In addition to upping the sign-up bonus by 15,000 miles, the Hawaiian Airlines World Elite Mastercard has increased its rewards rate and added a new bonus spending category. ... (See Airline rewards)

Help! I can't afford my child's wish list -- Teach your kids the value of money before you go broke trying to fulfill their wish list ... (See Avoiding holiday debt)

Chase Freedom vs. Discover it: Which is best -- The Chase Freedom and Discover it both offer 5 percent cash back in categories that rotate quarterly, $0 annual fees and 0 percent intro APRs. A closer look at the cards, though, reveals some subtle differences. Here's what we found. ... (See Cash back rewards)

Poll: 3 in 4 parents with adult kids help them pay debts, living expenses -- Moms and dads most likely to pitch in for kids’ cellphone bills, transportation costs, our poll finds ... (See Paying adult children's debts)

Can I get refund for suspicious card charges 1 year later? -- If you catch unauthorized card charges after a year, your bank might help you. If they were recurring charges you forgot, you might be out of luck. ... (See Suspicious card charges)

Should my parents sell their home to pay off card debt? -- It's better to take the time to craft a thoughtful approach to getting out from under debt obligations. ... (See Selling house to pay debt)

How to stack rewards to save big on purchases -- Googling for the best price isn't enough these days. The real deals go to savvy rewards stackers. ... (See How to stack rewards to save big on purchases)

For holiday spending, credit cards are top payment method -- Discover surveyed more than 2,000 U.S. adults about payment methods they’ll use most this holiday season. . ... (See Holiday spending and credit cards)

Chase Sapphire Preferred vs. Capital One Venture: Which is best? -- The Chase Sapphire Preferred card and the Capital One Venture card offer some of the finest travel benefits you can get on a mid-tier rewards card – especially in the first year. See what else we found when comparing the two cards. ... (See Travel rewards)

Fed: Card balances surged by $8.3 billion in October -- Card balances marched toward an all-time high in October, according to the Federal Reserve ... (See G19)

Getting started with card rewards -- If you're looking to up your credit card rewards game, there are some sites that can give you the best information to boost your rewards quickly ... (See Getting started with rewards)

Expiration date: With EMV chips, cards last longer now -- Credit cards have now longer expiration dates, thanks to the transition to EMV chip cards, but new payment technologies may render them obsolete. ... (See Credit card expiration dates)

Q&A: Why is there a difference between my credit scores? -- Credit scores and reports vary constantly due to frequent updates. To always keep them in good shape, pay bills on time and keep a low balance. ... (See Differences between credit scores)

Rate survey: Average card APR holds steady at 16.15 percent -- Dec. 6, 2017: The average credit card interest rate remained fixed at 16.15 percent this week, according to the Weekly Credit Card Rate Report. ... (See weekly rate report)

Charged Up! podcast: Living with intent -- Daughter of acclaimed self-help expert, Deepak Chopra, Mallika Chopra has her own guide for those of us wanting to find focus and intent as we journey towards financial freedom ... (See Podcast on living with intent)

How long do I wait before applying for a second credit card? -- Issuers want to see at least six months of responsible repayment activity before approving you for another card. ... (See Credit history)

Multilevel marketing: How selling your way out of debt can sink you deeper -- Think companies such as Herbalife, LuLaRoe and AdvoCare can dissolve your card debt? If you're not careful, you might end up owing even more. ... (See Multilevel marketing and card debt)

Discover drops 6 benefits for shoppers, travelers -- Extended warranties, backup car insurance, purchase protection and return guarantee are among the rarely used benefits that Discover ended Feb. 27. 2018. Price protection will end in October 2018 ... (See Discover ends some card benefits)

Balance transfer: the best way to pay down card debt? -- If you’re committed to paying down any lingering card debt, here’s how to tell if a balance transfer will be a cost-effective approach. ... (See Balance transfer)

Infographic: Hiccups at register slow mobile pay adoption -- Mobile payment usage is actually down compared to this time in 2016, new research shows ... (See Mobile pay adoption slows)

Credit card referral bonuses - Earn $500 a year -- If you're looking for alternative ways to earn rewards or bonuses from your credit card, referral bonuses may be your answer. Read on to see what offers are currently available. ... (See Referral bonus)

8 things to avoid when shopping for a rewards card -- Sometimes the best approach when deciding on a new rewards card is knowing what you don’t want. ... (See Rewards cards: What NOT to do)

How does a credit card updater service work? -- If you get a new card with a new expiration date, that doesn't mean you get out of auto-payments you no longer want to make. A card updater service keeps your information current. ... (See Credit card updater services)

How to restore credit after maxing out cards -- Reaching a 100 percent utilization due to maxed-out cards can hurt your credit score. To give it a boost, pay off balances and rein in spending. ... (See Maxed-out cards and credit score)

You put WHAT on your credit card? 8 strange but true charges -- While typically used to finance life’s little emergencies, sometimes the transactions that occur are far outside the mainstream. ... (See Strange card charges)

What to do when permission to use a card is revoked -- If you are given authority to use a card and then that permission is revoked, make repayment arrangements for unapproved charges in writing. ... (See Permission to use card revoked)

Don't let your annual rewards card's travel credits expire -- These annual perks are use-them-or-lose-them in nature, so it helps to know exactly when your card's calendar year resets. ... (See Travel credits)

Video: Holiday credit card perks -- As you splurge on holiday gifts for friends and family, be sure to take advantage of the extra credit cards perks available during the holiday season. ... (See Video: Holiday credit card perks)

Big retailers are teaming up with cards, offering rebates -- If you want more than just extra points when holiday shopping, then check out which stores your card has teamed up with to offer great rebates this season. ... (See Holiday shopping rebates )

Trump appointee promises 'dramatically different' CFPB -- As CFPB's acting director, Trump appointee Mick Mulvaney has broad authority to slow the agency crackdowns on fraud and consumer refunds. ... (See Changes in CFPB under Mick Mulvaney)

American Express EveryDay vs. Blue Cash Everyday: Which is best? -- If you're in the market for a well-rounded grocery card, but don’t want to pay an annual fee, the AmEx EveryDay card and the Blue Cash Everyday card are both solid options. Read on to see why we give the edge to the EveryDay card. ... (See American Express)

Q&A: 'High balance:' What it is, how it impacts credit score -- "High balance" is a key item that helps determine credit utilization. However, it is oftentimes overlooked in credit reports. ... (See 'High balance' and credit utilization)

Mandatory arbitration: Most credit cards allow a way out -- A survey of large credit card issuers finds most offer a way to avoid mandatory arbitration clauses that strip consumers' legal rights ... (See Mandatory credit card arbitration study)

Rate survey: Average card APR sits tight at 16.15 percent -- Nov. 29, 2017: Interest rates on new credit card offers held steady this week, according to the Weekly Credit Card Rate Report. ... (See weekly rate report)

Options for dealing with maxed-out credit cards -- Sometimes you have to get creative when dividing and conquering your card debt. ... (See Too many maxed-out cards)

Charged Up! podcast: Helping low-income entrepreneurs get credit -- What if you're a budding entrepreneur but have no access to credit or loans due to your income, payment history or some other reason? We learn about new programs judging loan worthiness based on other criteria ... (See Charged Up! podcast on microloans)

Video: Planning for a baby with the right card -- Babies bring love, joy - and bills. Strategize early how you’ll pay those bills to make the transition easier and help you bank some much-needed credit card rewards in the process ... (See Video: baby planning and credit cards)

What rewards card should I get for holiday shopping? -- If you're planning on doing some major holiday shopping, you have a great chance to rack up rewards, but only if you don't carry a balance. ... (See Best cards for holiday shopping)

8 creative ways to meet a rewards card's minimum spend requirement -- Reaching the minimum spend requirement can be a challenge, so it pays to explore outside-the-box options. ... (See Minimum spend)

Earn 50,000 bonus points with Chase Sapphire cards -- The Chase Sapphire Reserve and Chase Sapphire Preferred cards offer two of the most valuable sign-up bonuses among travel rewards cards, thanks to the value and flexibility of Chase Ultimate Rewards points. ... (See Chase Sapphire)

Infographic: How Gen Z wants to shop and pay -- Generation Z would like "just walk out" purchasing via an app and prefers to pay a store associate at a register, a 2017 survey by Adyen finds. ... (See Infographic: Gen Z and shopping)

How to reverse unauthorized charge on my debit card -- If you have a debit card on file with a merchant and see an unauthorized charge, it's important to take action immediately ... (See How to dispute an unauthorized charge)

How and why to stop paying your children’s debts -- Regularly parting with hefty sums can result in hardship for you and probably won’t do your children any long-term favors. ... (See Paying kids' debts)

Will my minimum payment decrease if I pay down card debt? -- It is wise to pay down credit card debt to reduce interest charges. Want to lower the interest you pay further? Pay more than the monthly minimum. ... (See Credit card minimum payment)

Q&A: Unlink your bank account from deceased relative's card -- Having paid his bills with your account does not make you liable for the balances, nor does it give the creditors any reason to sue you. ... (See Bank account linked to deceased relative's card)

5 fun ways to create holiday memories using miles, points -- The holiday season is not about how much you can buy, it is about memories you can make with your loved ones. These experiences build those memories – and they can be purchased with rewards points. ... (See 5 fun ways to create holiday memories using miles, points )

Q&A: How a balance transfer to 0 percent card affects score -- A 0 percent balance transfer card can help you pay off debt more quickly and boost your score in the long run, but your credit may take a ding at first if you max out the credit limit ... (See Balance transfer and credit score)

5 credit card perks that save you money -- With perks such as concierge services, roadside assistance and price protection, your credit card perks can open doors, help you out when your car has a flat and save you money. ... (See Credit card perks that save you money)

5 steps to build credit to qualify for a car loan -- To get the best car loan rates, you need to build enough positive credit history to prove to lenders you would be a good risk. ... (See Building good credit)

How to get cash while traveling abroad, with no fees -- Bringing the right cards with you, knowing how to use them, and picking the right ATM will help you avoid unnecessary fees during your trip. ... (See How to get cash while abroad)

2017 holiday card perks and rewards -- Card issuer holiday rewards and perks include bonus rewards on shopping portals, discounts on gift cards, access to exclusive events, extra cash back at popular retailers. ... (See Card issuer holiday rewards and perks)

Is Amazon Prime worth it? -- We crunched the numbers for eight Amazon Prime perks to help you figure out if the benefits outweigh the $119 fee. ... (See Amazon Prime)

Is it time for a holiday credit card swap? -- Between gifts, holiday travel and year-end expenses, the holidays are a good opportunity to score major rewards using the right credit card. Just make sure you meet minimum spends, avoid fees and don't carry a balance. ... (See Time for a holiday card swap?)

Holiday guide of credit card tips -- You'll be spending a lot on holiday shopping and travel. Here's how you can score holiday bonus points and extra cash back with your credit cards. ... (See Holiday guide of credit card tips)

Charged Up! podcast: How to invest in real estate -- One great reason to establish a stellar credit score is the opportunity to get into real estate investment. In this episode, we talk to real estate investor Deep Nasta ... (See Charged Up! podcast with Deep Nasta)

Rate survey: Average card APR remains at 16.15 percent -- Nov. 22, 2017: Interest rates on new card offers remained stuck in place this week, according to the Weekly Credit Card Rate Report. ... (See Rate survey)

A credit card checkup includes reviewing annual fees -- Before paying your credit card's annual fee for another year, look at whether you're getting your money's worth and consider other card options. ... (See Annual fee checkup)

Accomplished savers pay debts before boosting retirement -- Tackling mortgage and credit card debt come first, says a PNC survey ... (See Retirement and debt survey)

Giving Tuesday: How to maximize donations using credit cards -- The holiday season, including Giving Tuesday, maximize your donations to your favorite cause using rewards cards and points. ... (See Giving Tuesday and credit cards)

Card applicants getting approved more often, NY Fed says -- Credit card applicants met with success more often in the past year, New York Fed survey says, as applicants' credit improved ... (See NY Fed's Survey of Consumer Expectations)

Should I go into credit card debt to change careers? -- Considering charging thousands of dollars in online courses on your card to jump-start your career? Spend some time doing research first. ... (See Credit card debt and changing careers)

Cyber Monday 2017: 10 hacks to score great deals -- Pre-scout deals, get an electronic heads-up on special buys and scrub your computer before you shop. Now you're ready to save big on Cyber Monday 2017 ... (See Cyber Monday 2017)

Earn 15,000 bonus points with the Chase Freedom and Freedom Unlimited cards -- If you are you looking for an inexpensive way to get a large influx of Ultimate Rewards points, the Chase Freedom and Freedom Unlimited cards offer large bonuses with low spending thresholds. ... (See Chase Freedom)

I paid off my card but stopped using it; will it be canceled? -- Some creditors might cancel your card due to inactivity, which could affect your credit score. A simple fix? Use your card for everyday purchases. ... (See Canceled credit card due to inactivity)

Credit card perks to consider when holiday shopping -- While racking up miles and points are great, they shouldn't come first when deciding which credit cards to use for holiday shopping purchases. ... (See Credit card perks)

Will my issuer close my card accounts when I retire? -- If you keep the cards open and active and pay on time, having a reduced income shouldn't cause an issuer to close your accounts. ... (See Closed card accounts)

No signatures required: Mastercard, Discover, AmEx and Visa ditch them -- Mastercard, Discover, American Express and Visa plan to ditch the signature requirement with credit and debit card payments in April 2018. ... (See Signatures not required)

Reward card sign-up bonuses not all created equal -- Big card sign-up bonuses turn heads, but do the math first. A hotel card's 100,000 points generally are less valuable than other rewards card bonuses ... (See Big hotel card sign-up bonuses)

7 easy ways to protect your credit while holiday shopping -- Fraudsters may be more likely to strike during the holiday season when consumer spending is high, so vigilance is especially important from November to January. ... (See Holiday fraud)

I'm an authorized user on high-balance cards; what to do? -- Removing yourself as an authorized user from highly utilized cards might be a no-brainer, but you should also consider other factors, such as the age of the accounts. ... (See Authorized users and credit utilization)

Millennials most likely to earn, lose and donate rewards -- Millennials are most likely to earn, lose or donate their credit rewards, a TD Bank survey finds. Boomers are much less likely to let rewards expire or give away their points. ... (See Millennials and card rewards)

Consumer protection chief resigns, Trump to pick successor -- Richard Cordray, founding director of the Consumer Financial Protection Bureau, just announced his departure; will be replaced by President Trump. ... (See CFPB chief announces departure)

Rate survey: Average card APR holds steady at 16.15 percent for ninth week -- Nov. 15, 2017: Interest rates on new credit card offers remained fixed at 16.15 percent Wednesday for the ninth consecutive week, according to the Weekly Credit Card Rate Report. ... (See Card APRs remain fixed)

Citi Double Cash vs. Chase Freedom Unlimited: Which is best? -- We crunched the numbers for the Citi Double Cash card and the Chase Freedom Unlimited card to help you decide which one takes the prize for best cash back card. ... (See Cash back)

How do I transfer credit profile from an ITIN to new SSN? -- You can have a credit history with an ITIN, but once you get a Social Security number, you must notify the credit bureaus to move your history under your new SSN. ... (See Credit profile)

Charged Up! podcast: How your voice will become your credit card -- We’ve all got wallets full of plastic, but voice commerce is growing in popularity, allowing you to make purchases, check your balance, and pay your cards all with a simple vocal command ... (See Podcast: Bob Stolzberg on voice commerce)

Contactless 'tap-and-go' cards finally enter US market -- Tap and go instead of dip or swipe? Contactless cards, the norm in Canada and the U.K., are finally entering the American market ... (See Contactless cards)

NY Fed: Credit card delinquencies continue to rise -- Federal Reserve Bank of New York's Household Debt and Credit report says more balances are in late-payment status, but overall delinquencies are moderate ... (See Credit card delinquencies rising)

Airline cards get you free checked bags, with exceptions -- Airline credit cards will likely get you free checked bags, but there are limits and exceptions. ... (See Airline cards with free checked bags)

Online and mobile banking grows, branch banking withers -- Online and mobile banking is growing, and branch banking is withering, American Bankers Association research finds. ... (See Online, mobile and branch banking by generations)

Contactless cards: How they work -- Contactless credit cards, already popular in Canada and the U.K., are starting to flow in the U.S. How do they work? ... (See Contactless cards)

Do's and don'ts when giving teens their first credit card -- Decide whether it's time, then help your teens use cards wisely, and put checks in place if they don't ... (See Teen's first card)

Small-business solutions for storing customer card data -- Looking for a small-business solution to storing customer card details? Your merchant processor may offer a service that fits your security and budget needs. ... (See Small business and card data storage)

Discover it vs. Discover it chrome: Which card is best? -- The Discover it and Discover it chrome are both good cash back cards that appeal to different types of cardholders. But instead of deciding which card is best for you, why not get both? ... (See Discover it)

Price protection ensures Black Friday's lowest prices now -- With price protection, you can skip the Black Friday madness. Shop now, and if your purchase gets a bigger discount later, your card will cover the difference. ... (See Price protection)

One late card payment: What's the credit damage? -- Even with an optimal credit history, your score can drop almost 100 points just due to one mislaid bill. ... (See One late payment)

Go paperless without neglecting your card bills -- Help the environment, save money - but stay on top of your finances. Here's how ... (See Tips to go paperless)

Video: Black Friday survival guide -- Black Friday means deep discounts, large crowds, and hectic environments. Use these tips to help you survive the madness. ... (See Black Friday survival guide)

Do the math to compare reward points' values -- When weighing reward redemption possibilities, this simple calculation will help you derive relative points values. ... (See How to compare rewards options)

E-gift cards: 7 tips to pick the right digital present -- E-gift cards offer new ways to connect, save, shop and rack up rewards, but some of them might face restrictions. . ... (See E-gift cards: 7 things to know)

Q&A: How cardholder behavior can impact your credit -- Lesser-known 'behavior scores' consider unique aspects of your credit card behavior, and may affect the kinds of offers you get, but only from your existing card issuer. ... (See Behavior scores and credit availability)

CFPB sues country's largest debt settlement company -- Federal consumer watchdog accuses Freedom Debt Relief of misleading customers, collecting unearned fees ... (See CFPB sues Freedom Debt Relief)

Average card APR stays at 16.15 percent for eighth week: Weekly Credit Card Rate Report -- Nov. 8, 2017: Interest rates on new credit card offers didn’t budge Wednesday, according to the Weekly Credit Card Rate Report ... (See Rate report)

Should I cancel my CareCredit card? -- If it's your only card, keep it open until your credit scores rise to a point where you can qualify for another card. Just beware of its high APR if you choose to use it. ... (See Medical credit card)

Are credit cards recyclable? It's complicated -- Credit cards are not as recyclable as they should be. But there are ways to reduce their footprint or dispose of them. ... (See Are credit cards recyclable?)

Charged Up! podcast: The art of productivity -- When you're looking to increase your finances while still maintaining a work/life balance, mastering the art of productivity is crucial ... (See Charged Up! podcast with Chris Bailey)

Fed: Card balances passed $1 trillion in September -- Card balances crossed the $1 trillion mark in September, according to the Federal Reserve ... (See Consumer credit report)

Sex addiction, credit card debt often go together -- Sex addicts often use secret credit cards or pad business accounts to hide trysts, online porn purchases experts say. ... (See Sex addiction and credit card debt)

AmEx announces big changes for Hilton Honors cards in 2018 -- Along with refreshing its two existing Hilton products, American Express will introduce two new Hilton cards in January 2018. ... (See Hilton Honors)

Infographic: Cards, not student loans, is most-common debt for millennials -- When you think of millennials and debt, student loans come to mind. But a new survey says card debt is actually more common. ... (See Card debt and millennials)

If you're new to rewards cards, start slowly -- What's your goal? Weigh sign-up bonus, annual fee, rewards complexity ... (See New to rewards credit cards)

Banks tighten credit card loan standards, Fed says -- Federal Reserve survey of senior loan officers finds declining appetite for risk meant higher barriers for credit card applicants in the third quarter. ... (See Tightening credit card loan standards)

Former boss let me use his card, now he cries fraud -- If you used a card given by a former boss who is now threatening legal action against you, seek legal advice. You may be able to prove you used the card legitimately. . ... (See Former boss cries card fraud)

It’s the thought that counts: Americans plan holiday gift thrift -- Our new poll suggests consumers are buying modest, meaningful holiday gifts, not big-ticket items ... (See Holiday spending poll)

Can 'right to offset' be applied to written-off card debt? -- Banks ordinarily have the right to take funds from a customer's account to satisfy a default on another account from the same customer. The exception? credit card debt. ... (See Right to offset and credit card debt)

Annual card bonuses shower extra rewards for loyalty -- Extra points, free hotel nights and more at your sign-up anniversary give you a reason to stick with that card ... (See Annual bonus)

How to get repaid for charges on a card you lent out -- Allowing someone to use your card is worse than giving them access to your checking account as you can lose money you don't have yet. ... (See Lent card)

Capital One Venture vs. VentureOne: Which is best? -- At first glance, it may be difficult to see the difference between the Venture and VentureOne cards. Read on to see why the Venture card – even with its annual fee – may be the better choice for you. ... (See Venture)

Post EMV: How retailers can avoid paying for fraud -- Two years after the rollout of EMV, here’s how retailers can avoid liability. ... (See Retailers, and post-EMV fraud)

9 travel-related fees, perks your rewards card may cover for free -- A look at some notable travel fees you can avoid with your rewards cards, along with what you should watch out for. ... (See Travel-related card benefits)

New Uber rewards card is the latest to target millennials -- The new Uber rewards credit card courts millennials with 4 percent cash back for dining and 2 percent for online services. Expect more cards to tailor rewards to consumers ages 20-35. ... (See Cards court millennials)

Best card for someone over 65, with low income and no credit history -- Everyone has to start their credit history somewhere, and secured cards can be the building block to get you there. ... (See Secured credit cards)

Q&A: Leah Ingram on college costs and credit -- Author Leah Ingram and her husband got their credit in shape before taking out loans to send their daughters to college. ... (See Leah Ingram Q&A)

Average card APR remains at 16.15 percent for seventh week: Weekly Credit Card Rate Report -- Nov. 1, 2017: Interest rates on new credit card offers held steady Wednesday, according to the Weekly Credit Card Rate Report ... (See Weekly Rate Report)

Charged Up! podcast: The ex-NFL player who lives off $60K per year -- A self-taught investor, Broyles is an inspiration as he talks about how frugally he runs his life so he can secure a financial future for his family ... (See Charged Up! podcast with Ryan Broyles )

Pros, cons of using credit cards for everyday purchases -- Using a credit card for all your purchases has its upsides, as long as you aren't adding to your debt load ... (See Rewards for everyday purchases)

How financial well-being and physical health are linked -- The amount of credit card debt you’re coping with can affect your physical health ... (See Financial well-being and health)

Q&A: How to close a business formed with your ex-spouse -- Closing a business formed with an ex-spouse can have legal and tax consequences if not done correctly. ... (See Closing business formed with ex-spouse)

Lost your job? What to do if you can't keep up with card payments -- Trying to keep paying down card debt while unemployed may seem an impossible task, but the consequences of delinquency can be dire both on your credit and your job search. ... (See Can't pay card due to unemployment)

Consumers grow more fearful they will miss a payment -- Consumers are more fearful they will miss a payment. For the third month in a row, New York Fed survey finds increased anxiety. ... (See Infographic: Fear of missing payment grows)

Risks of keeping one card open during bankruptcy -- Once an issuer learns of the bankruptcy, it may close the card as you are now viewed as a higher risk. ... (See Bankruptcy)

5 less-obvious ways to damage your credit score -- Missing a credit card payment is a surefire way to mess up your credit score. Here are five less-obvious ways. ... (See Less-obvious card mistakes)

How everyday spending can charge up your rewards bank -- The less common or somewhat routine purchases you may not have thought of can make a difference in unlocking even more rewards ... (See Everyday spend)

Video: Reap rewards for holiday decorations -- From ghoulish ghosts to a wonderland of lights, if you plan to make your home shine bright this decorating season make sure your rewards cards pitch in with the cost. ... (See Video: holiday decorations and card rewards)

What open date is reported to bureaus on authorized user's card? -- Most, but not all, credit card issuers report to credit bureaus the original card's open date for both authorized users and primary users. ... (See Authorized users and 'open dates')

How pairing two cards can boost your rewards -- There is nothing wrong with just using one rewards card, but let’s look at how relying on two main cards instead of one can increase your rewards. ... (See Pairing rewards cards)

6 reasons to stop using cash and start using credit cards -- Replacing the use of cash with credit cards can help you improve your budgeting, safeguard your money and score major bonuses and rewards, all without picking up any germs. ... (See Cash)

New Uber Visa card to offer a $100 bonus and 4 percent back on dining -- Barclays and Uber have announced new details about their upcoming co-branded credit card – including the official launch date, card name and benefits. ... (See Uber Visa)

Rate survey: Average card APR holds steady at 16.15 percent for sixth week -- Oct. 25, 2017: Interest rates on new card offers remained at a record high Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate report)

How to manage a low-credit-limit card to boost credit score -- It is easy to max it out a low-limit card, so keep charges small and pay off the balance every month. ... (See Credit score)

Choosing the right credit cards as your family grows -- From having a baby to sending kids off to college, each parenting stage comes not only with different expenses but also opportunities to earn rewards points or cash back ... (See Card needs change as kids grow)

Senate repeals rule that allows consumers to band together and sue -- The Senate voted to strike down a consumer protection rule that would have restricted companies' ability to impose arbitration in disputes with customers ... (See Arbitration rule repeal)

Infographic: Holiday shopping checkout by device -- About 30 percent of millennial holiday shoppers expect to pay by smartphone, a PwC survey finds. Millennial dads are leading the way, with 49 percent saying they will check out via their digital device. ... (See Holiday checkout by device)

Charged Up! podcast: How to create the life you want with what you have -- Whether you’re looking to make a change in your financial life, job or in society, tomorrow isn’t going to bring the answers. Your tools for change are in you today. ... (See Charged Up! podcast with Jessica Pettitt)

How to earn rewards on your teen's spending -- Adding a teen as an authorized user on a parent's credit card can build the child's credit and help in amassing points, miles or cash back. ... (See Earn rewards on teen's spending)

Authorized users: 3 common scenarios for sharing a card account -- Sharing a card account with someone can help them build credit, but it can also blow up in both of your faces ... (See Authorized users)

Overseas travel: Tips to use your credit card, mobile banking worry-free -- While geolocation, mobile apps and online tools have made it easy to use your credit card and bank account overseas, your card might still be declined. Follow these tips for a stress-free overseas card and banking experience ... (See Overseas travel)

Will banks raise APRs if stripped of legal shield provided by arbitration? -- Top regulators are feuding about the costs banks might pass on to customers if they're have to drop a shield from class-action lawsuits ... (See Will arbitration rule increase APRs?)

Q&A: How to verify a customer transaction made by phone -- Orders processed by phone are considered 'card-not-present' transactions, which pose a higher risk of fraud. In order to avoid losing money on an unauthorized purchase, make sure to take extra steps to verify them. ... (See Card not present fraud)

Venture card from Capital One raises sign-up bonus to 50,000 miles -- New Venture cardholders can now receive a one-time 50,000-mile bonus after spending $3,000 in the first three months of card membership. ... (See Venture)

Q&A: Will closing old, annual-fee card hit my score? -- Closing an old, unused, annual-fee card can hurt your score if it's the oldest account on your credit report and/or you keep a high balance on other cards. In that case, consider asking your issuer downgrading the account to a no-fee card. ... (See Closing old annual-fee card)

Why carrying a balance on rewards cards is not a good idea -- Paying interest dilutes your rewards, so if you must carry a balance, find a low- or no-interest card and forgo those points and miles. ... (See Carrying a balance)

How to stop debt collectors from contacting you about a relative -- Collectors are allowed one phone call in an attempt to find someone, but after that, they are breaking the law. ... (See Debt collection )

Bonus card rewards for mobile payments aim to win over users -- While credit cards have long vied to be top of wallet, issuers now aim to be a cardholder's default payment app, too ... (See Bonus rewards for mobile payments)

Airport lounge tips from tech CEO who turned airline clubs into a business -- LoungeBuddy CEO Tyler Dikman shares his thoughts on the best way to use cards to unlock lounge access. ... (See Airport lounge tips)

My credit score’s 750! Why was I denied a card? -- Five reasons why you may be denied a credit card, even if your credit score is excellent ... (See Denied credit card)

AmEx Blue Cash Preferred vs. Everyday: Which is best? -- The Blue Cash Preferred and Blue Cash Everyday cards both offer high rates of cash back on gas and groceries. But if you’re avoiding the Preferred version due to its $95 fee, we think you should give the card a second look. ... (See Blue Cash)

Q&A: How to achieve a good credit score as a first-time cardholder -- Achieving a good credit score is possible even if you are a first-time cardholder. Make sure to never miss a payment, keep a low balance and not apply for another card until your card is a year old. ... (See First-time cardholder's credit)

Average card APR stays put at 16.15 percent for fifth week: Weekly Credit Card Rate Report -- Oct. 18, 2017: Interest rates on new card offers remained fixed in place Wednesday, according to the Weekly Credit Card Rate Report ... (See Rates )

Q&A: Is a signature required for a new card application? -- There are several ways to apply for a new card, including how you sign the application. ... (See Credit card applications)

Charged Up! podcast: How not to get rich – according to Mark Twain -- Author Alan Pell Crawford, author of "How Not To Get Rich: The Financial Misadventures of Mark Twain," discusses what we can learn from this literary genius’ financial failures ... (See Alan Pell Crawford)

2017 Retail Store Card Survey: Customers lured to high interest cards with more rewards -- Retailers are increasing rewards offerings on high-interest co-branded and store-only credit cards, according to a new report from ... (more)

Chart: 2017 Retail Store Card Survey data -- If you're looking for a retail card, look no further than our 2017 compilation of data. ... (See Chart: 2016 Retail Store Card Survey data)

How digital nomads can process payments overseas -- Entrepreneurs looking to live overseas need to consider payment options for customers. There are multiple software options and processing options for the nomadic entrepreneur looking to take their life abroad ... (See Processing payments overseas)

Capital One unveils upgraded Savor® card with $500 sign-up bonus -- Capital One has expanded its dining rewards card portfolio with the launch of an enhanced Capital One Savor® Cash Rewards Card and a new Capital One SavorOne Cash Rewards Card. ... (See Savor)

Q&A: Options to collect from customers who can't pay their balance in full -- When dealing with customers in financial distress, suggesting a payment plan might be the best way to ensure you get full payment. ... (See Collecting from customers)

Credit, debit cards slowly losing ground to digital payments -- Young consumers adopt the technology, but retain a preference for cash ... (See Millennials, digital payments and cash)

Q&A with author Emma Johnson on protecting credit as a single parent -- As a single mom going through a big life change, it's critical to stay on top of your credit because that's when you're going to need it most ... (See Emma Johnson Q&A)

Credit freeze laws in all 50 states -- States have passed credit freeze laws to combat identity theft and fraud. Here are the details for each state. ... (See Credit freeze state data)

Q&A: Should I close high-limit, zero-balance cards I don't use? -- If you have several credit cards with high limits and no balance, which you hardly use, you might consider closing one of them, especially if it has an annual fee. Just make sure to keep your oldest cards open. ... (See Unused cards with high credit limit)

Discover cash back calendar 2019 – Earn 5 percent back at grocery stores in Q1 -- From January through March 2019, Discover it cardholders can earn 5 percent back at grocery stores on up to $1,500, upon enrollment. ... (See Discover cash back calendar)

Why airline 'mileage millionaires' love gift cards -- Some frequent-flyer-mile fanatics run through more retailer, Visa and MasterCard gift cards than you can imagine using techniques that are totally legal, but probably still eyebrow-raising ... (See Gift cards)

Avoid raiding retirement accounts to pay credit card debt -- Draining retirement funds to repay card debt can leave you destitute in your golden years. ... (See Retirement accounts)

6 reasons why an issuer may close your card -- If you’re not the ideal customer, your credit card account may be unexpectedly closed. ... (See Reasons issuer may close your card)

Video: How closing your card affects your credit score -- With big sign-on bonuses tempting you towards new cards, you may wonder if it’s time to close out cards you no longer use. If you do plan on closing a credit card or two, be sure to follow these tips to keep your credit score in check ... (See Video: closing your credit card)

Hunting for more rewards? Don’t overlook business cards -- If there is a reward card you like but you already have it, you can often apply for a business version of the card. You might be surprised to learn that you don’t actually have to run a full-time incorporated business to be approved. ... (See Business cards)

Indulging in food delivery without the debt -- They're convenient, but left unchecked, food delivery services can spoil your budget ... (See Food delivery)

Debt relief firm that claimed ties to US government sued by CFPB -- The Consumer Financial Protection Bureau sued two companies both known as FDAA for an allegedly illegal debt relief scheme targeting credit card debtors ... (See Fake debt relief firm sued by CFPB)

Q&A: How to handle old debt soon to be sent to collections -- If sent to collections, an old debt can have legal and credit scoring consequences. Consider the age and amount of the debt before making any decision, and, if you can, find a way to pay it off. ... (See Old debt and collection)

In the wake of Equifax hack, Congress proposes credit bureau reform -- Lawmakers call for changes in credit report system to protect people's data, or at least give them more control over it ... (See Congress proposes credit bureau reform)

Store credit cards: 6 ways to stay out of trouble -- A store card can be a good deal in the right situation, but the downside is interest rates of almost 30 percent ... (See Retail credit cards)

Rate survey: Average card APR stays at 16.15 percent for fourth week -- Oct. 11, 2017: Interest rates on new card offers held steady this week, according to the Weekly Credit Card Rate Report. ... (See Rate survey)

Steps to take when a fraudster opens a card in your name -- A mysterious card statement that shows up in your name with a balance on it means you have to take action. ... (See Credit card fraud)

New Starwood Preferred Guest card members can earn up to 100,000 bonus points for a limited time -- If you’re partial to Starwood-branded hotels and resorts and looking for a way to earn free hotel stays and flights, the Starwood Preferred Guest cards from American Express may be your answer. ... (See Starwood Preferred Guest)

Charged Up! podcast: The art of cultivating joy -- Whether you're looking for financial freedom or to overcome debt and credit anxiety, the art of cultivating joy every day is an important tool to think clearly, make wise decisions and stay grounded as you move forward ... (See Chade-Meng Tan)

Poll: 1 in 4 Americans checked their credit after Equifax breach -- The flood of post-breach consumer action is encouraging, but many still didn't check their credit ... (See Equifax breach)

5 ways to earn airline miles – without an airline rewards card -- By using shopping portals, dining programs and other methods, you can add miles with everyday purchases ... (See Airline miles)

What is the best rewards card to pair with Delta SkyMiles airline card? -- Factors to consider when adding any rewards card include how much you spend, where you spend and what kind of rewards you prefer. ... (See Rewards card to pair with airline card)

3 immigrants share how they achieved credit scores over 750 -- Immigrants can achieve high credit scores in the U.S., even though our system is confusing ... (See Immigrants and credit)

Q&A: Ex-partner was authorized user; is he liable for card debt? -- Your ex-business partner could be equally liable for the company's credit card debt even if he was just an authorized user on the card. Here's how to find out. ... (See Authorized user)

Is it time to ditch the Virgin America credit card? -- The fate of the Virgin America rewards program is unclear as it merges with Alaska Airlines ... (See Virgin America card)

Mobile payments at register climb, but slowly -- Just 1 in 5 Americans made such a payment in past six months, and the projections call for slow growth ... (See Mobile payment projections)

Plastiq, Tio: Pros, cons of charging your bills through an online service -- Services such as Plastiq and Tio let you charge many bills you'd otherwise have to pay straight from your bank account. But their fees range between 1.9 and 2.5 percent of each transaction. ... (See Bill-paying services)

Q&A: What to do if merchant details on card statement are unfamiliar -- Finding charges inaccurately reported on credit card statements can be annoying, but disputing them can be cumbersome. Keeping receipts and tracking expenses can help you figure out legitimate expenses without having to initiate a chargeback. ... (See Merchant details)

Strategies for spouses doubling up on rewards cards -- There are times when a couple can really rack up the points if both apply for the same card, but it does take some additional strategy to play your collective cards right. ... (See Rewards card strategies for spouses)

When a balance transfer card trumps a debt consolidation loan -- When you only have one large, high-interest card balance, it's often easier and simpler to apply for a balance transfer card with an extended 0 percent promotional offer than a bank loan. ... (See Consolidation loan)

Holiday travel: 7 ways to snag an early deal using card rewards -- If you start planning your holiday trip now, your credit card can help you score major savings and travel perks, if you use travel portals, card benefits and other online tools. ... (See Holiday travel and rewards)

Fed: Card balances rose by $5.7 billion in August -- Credit card balances edged closer to the $1 trillion mark in August, according to the Fed ... (See Fed report on card debt)

Fashion meets mobile payments in the dressing room of the future -- Mastercard and Marie Claire are unveiling the dressing room of the future, where consumers will be able to shop and pay using a "smart mirror." ... (See Video: the dressing room of the future)

CFPB regulates payday loans, auto-title loans -- The U.S. Consumer Financial Protection Bureau announced a rule on costly payday and auto title loans designed to limit costly re-borrowing without cutting off access to emergency loans ... (See CFPB regulates payday loans)

Q&A: How credit utilization is calculated in a married couple's credit scores -- For credit scoring purposes we remain single perpetually, but couples can boost each other's credit by adding each other as authorized users to accounts in good standing ... (See Married couples and credit utilization)

Use free card services to monitor your credit in wake of Equifax breach -- With recent data breaches at Equifax and elsewhere, card issuers offer options that can help guard against errors and fraud ... (See Credit monitoring)

Over 40 and over 800: Seasoned credit score achievers -- Consumers over 40 may find it hard to pass the 800 credit score threshold. Here are some who did ... (See Scores )

Fewer late payments on cards show consumer strength, banks say -- Late payments on credit cards declined in the second quarter from levels that were already low, according to American Bankers Association report ... (See Card delinquencies fell in Q2)

Rate survey: Average card APR holds steady at 16.15 percent -- Oct. 4, 2017: Interest rates on new credit card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Q&A: How to raise credit score after student loan is rehabilitated -- After a student loan default and rehab, the negative mark should disappear after 7 years, but you need additional positive credit lines contributing to your credit to rebuild a good score. ... (See Student loan)

How to pay for experiences without going into debt -- The key to financing experiences is to plan ahead. Here are six steps to setting up a specific goal and strategies to paying for that dream bucket-list item. ... (See How to pay for experiences)

Charged Up! podcast: Becoming a successful entrepreneur -- Author and business consultant Dorie Clark's tips and secrets will be useful to anyone who has to deal with customers and wants to make sure they are always selling their mission ... (See Dorie Clark podcast)

Ex-CEO of Equifax proposes consumer control of their credit files -- Equifax ex-CEO Richard Smith told Congress the company will give consumers ability to lock and unlock their credit file for free, says other credit bureaus should follow suit ... (See Equifax ex-CEO testifies in Congress)

Military Lending Act credit card rules cap finance charges -- The Military Lending Act caps finance charges at 36 percent and adds other consumer protections for service members and their dependents. The law's credit card provisions kicked in Oct. 3, 2017 ... (See Military Lending Act)

Should you get a store card after retailer files for bankruptcy? -- When a retailer like Toys R Us files for bankruptcy, it's often business as usual as the chain reorganizes. This includes credit cards and loyalty programs. ... (See Toys R Us credit card)

Paper credit card bills? OK. Mail back payments? Nah -- Study shows we still like to receive, but not return, bills by mail ... (See Paper credit card bills)

Q&A: Can I charge cards with a mobile app for my side hustle? -- If you're operating a side hustle and wondering about your rights when it comes to charging cards on file and paying taxes, make sure you do your homework before you find yourself in trouble ... (See Charge credit card via app)

Why utilities charge convenience fees to pay by credit card -- As credit and debit use increase and payments by check dwindle, utility convenience fees remain ... (See Utility payment convenience fees)

Q&A: Can I transfer my own credit card to my partner's name? -- Have an authorized user who charges on your card more than you do? While you can't transfer the card to his name, you still have options, such as transferring any debt he may owe to a new or existing card in his name. ... (See Transfer card to partner's name)

Can an authorized user transfer debt onto shared card? -- When sharing a card, it's best both parties agree to a certain code of honor about how the card will be used. ... (See Authorized user)

Federal civil penalty fund pays refunds to scam victims -- The Consumer Financial Protection Bureau's civil penalty fund has allocated nearly half a billion dollars for victims of scams that were too broke to make refunds ... (See Civil penalty fund and scam victims)

How to avoid unnecessary fraud freezes in the wake of Equifax breach -- As banks tighten their security following the Equifax hack and other breaches, there are ways to reduce the odds of being hit with a fraud freeze unnecessarily ... (See Card security after Equifax breach)

Video: 4 credit card reward hacks -- Here are four of our favorite hacks to help you get the most out of every dollar you spend. ... (See Video: Credit card reward hacks)

Earning points when renting a car -- As points and miles programs have evolved, there are a number of different ways to earn rewards from car rentals. ... (See Renting a car)

Credit cards are now most common type of debt, Fed finds -- The Federal Reserve's Survey of Consumer Finances found 44 percent of families with card debt in 2016, outpacing mortgages for first time ... (See Fed: credit cards most common type of debt)

Q&A: Sudden spike in credit utilization can cause major score drop -- A sudden increase in your credit utilization can cause your score to drop up to 100 points. The good news is that your score can recover quickly if your utilization goes back to where it was before, and late payments are not the issue. ... (See Sudden utilization spike)

Rate survey: Average card APR remains at 16.15 percent -- Sept. 27, 2017: The average APR for new card offers remained at a record high Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate report)

Q&A: How to make the transition from secured to unsecured credit card -- Most of us learn how credit scoring works the hard way, which can stall progression from a secured card to an unsecured product. ... (See Secured to unsecured credit)

Charged Up! podcast: How to protect your identity -- Don’t fall into the nightmare of losing your identity. Security expert Mark Nunnikhoven offers tips on keeping your identity safe ... (See Mark Nunnikhoven)

Survey: Who is most likely to carry credit card debt? -- Many carry debt for years; those with more income likelier to hold debt ... (See Credit card debt survey)

Gift cards: What to do when retailer files for bankruptcy -- If a retailer is on shaky financial ground, use that gift card while you can, experts say ... (See Gift cards and bankruptcy)

Banks make chargebacks easier -- To dispute a charge, often all it takes is the click of a button on the card issuer's website or app ... (See Chargebacks easier)

AmEx boosts Blue Cash Preferred bonus to $200 -- American Express has increased the welcome bonuses for Blue Cash Preferred and Blue Cash Everyday cards by $50 each. ... (See Blue Cash)

Q&A: Can private schools charge convenience fees? -- They can, so if you plan on paying for a private school tuition with a credit card, be prepared to pay a hefty convenience fee ... (See Private school convenience fees)

Fraudsters creating synthetic identities from personal info on web -- Synthetic identity fraud surges to $6 billion in 2016. Shift to EMV chip cards led fraudsters to seek out other scams, experts say. Auto lenders are a new target for fraudsters. ... (See Synthetic identity fraud)

How credit cards take a bite out of gas prices -- Bonus points, cash back or cents off per gallon of gasoline add up ... (See Credit cards and fuel savings)

Q&A: Applying for multiple credit cards at the same time is a bad idea -- Multiple hard inquiries, generated when you apply for several cards, can hurt your credit score. Research your options and apply for the one card that best suits your needs, and for which the odds are greatest that you will be approved. ... (See Multiple card applications)

The Equal Credit Opportunity Act: Protecting yourself from credit discrimination -- An August 2017 discrimination settlement against American Express highlights why regulators and consumers need to be more wary. ... (See Equal Credit Opportunity Act)

Use miles, points for last-minute Northeast fall foliage trip -- If you know how to work your miles and points, you can actually still make a last-minute trip Northeast to check out the fall foliage. ... (See Fall foliage trip)

Q&A: Do I have to pay US debts if I now live abroad? -- It’s tempting to just ignore debts when they are on the other side of the world, but if you were ever to return to the U.S., your credit score would be toast ... (See Home abroad, debts in U.S.)

ID thieves covet SSNs over credit card data -- Social Security number breaches are outnumbering credit card data breaches 4 to 1 ... (See ID thieves go for the SSNs )

Big financial moves can add up to big rewards -- If you're looking to buy or sell a house or refinance, don't miss out on the thousands of points you could earn just by going with a bank offering a big promotion ... (See Rewards for mortgages, refis)

Q&A: Should I contest credit card wrongly reported as closed by me? -- Worried about a credit card that was wrongly reported as closed by you and not the card issuer? Who closed the account is not as important for credit scoring purposes as whether there was a balance on the closed account. ... (See Wrongly reported closed credit card)

4 fine-print traps to watch out for in credit card rewards programs -- Making assumptions on how your rewards card program works can lead to disappointing discoveries. ... (See Fine print)

Credit freeze costs come under fire -- Following the data breach at Equifax, consumers, lawmakers ask: Why should we pay for credit bureau's blunder? ... (See Credit freezes: low-cost options)

Rate survey: Average card APR climbs to 16.15 percent -- Sept. 20, 2017: The average APR for new credit card offers inched up to another record high Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate survey)

Charged Up! podcast: How to start a profitable side hustle -- If you've wanted to start a side hustle, now is your chance. Side hustle pro, author and world traveler Chris Guillebeau shares his secrets from finding an idea to making the business profitable in less than a month ... (See Chris Guillebeau)

Q&A: A small credit limit is fine for first credit card -- Once you demonstrate you can handle the card responsibly over a period of time, you can ask for a credit limit increase ... (See Small credit limit)

Poll shows people use their credit cards for everyday needs -- Using cards for to earn rewards and as an emergency cushion are also common ... (See Card use poll)

New iPhone X's facial recognition makes Apple Pay cooler -- If you're using your phone to make purchases, iPhone X should make the process easier and safer with the new facial recognition technology ... (See Apple facial recognition)

Bank of America’s new premium travel rewards card offers up to a 75 percent rewards bonus -- Along with a 50,000-point sign-up bonus and rewards on every purchase, the Bank of America Premium Rewards credit card also lets account holders earn up to a 75 percent bonus on rewards. ... (See Bank of America)

Handling medical bills automatically charged to your card -- If you've agreed to allow medical charges to be put on your card in the event insurance doesn't pay, you could get hit with a big surprise on your next statement. Make sure you take care of the situation swiftly while you still have options ... (See Medical bills)

Are you a VIP jerk? 10 things NOT to do in airport lounges -- If you have or are applying for a card that grants lounge privileges, know how to enjoy the benefits without spoiling the experience for everyone else inside. ... (See Airport lounge etiquette)

Q&A: Applying for a second card? Keep the first one open -- If you're applying for a second card, don't close the first one. It could boost your credit score. ... (See Second credit card)

Card customers in Irma's path get help, fee waivers from banks -- Many card-issuing banks are cutting Hurricane Irma victims some slack, waiving fees and offering financial help ... (See Hurricane Irma)

Scare up rewards miles, cash back on Halloween expenses -- Halloween is a perfect time to hone in on your miles and points-earning strategies ... (See Get to the Points)

How to undo fraud charges when thief is a family member -- When you don't want to file a police report on a family member who stole your card, you're stuck with the responsibility of paying the bill. ... (See Family fraud)

Fund your football fandom with credit card rewards -- Being a football fan can be pricey, but credit card rewards, cash back and other perks can help you save ... (See Football )

Q&A: What to know, what to do about Equifax data breach -- The data taken from credit bureau Equifax handed powerful tools for identity thieves, experts say. Here are steps to monitor your accounts and protect your identity from being hijacked. ... (See Equifax breach Q&A )

Credit bureaus tighten reporting rules: Who wins, who loses? -- Starting July 1, 2017, more documentation required for entries on unpaid taxes, medical debts ... (See Credit reports)

Keeping tabs on your reward cards -- If you're looking to maximize your card rewards, be sure to set up an organized system ahead of time to ensure you get the most rewards and never miss a payment ... (See Reaping your Rewards)

Living abroad? 3 steps to keep your US credit alive -- Don't be one of those people who comes home to a nonexistent credit file ... (See Keeping credit alive abroad)

Q&A: Applying for house refinance soon? Don't miss card payments -- The months prior to refinancing your home is not the time to miss bill payments, as this will lower your score. But there are ways to help your score ... (See Miss payments and mortgage)

Survey: Average card APR stays at record 16.14 percent for fifth week -- The average APR for new card offers remained fixed in place this week, according to the Weekly Credit Card Rate Report. ... (See rate report)

Credit card interest rates chart -- See key rates data from our weekly survey of card APRs 2007-2018 ... (See Historic credit card rates)

Wallets get thinner as U.S. consumers avoid cash -- With mobile apps gaining traction as an accepted way to pay bills and other people, cash is taking up residence in fewer and fewer wallets. ... (See Cashless survey)

How to handle friend who cries fraud over authorized user card -- When someone makes you an authorized user on a card account, they can't accuse you of fraud later. ... (See Authorized user)

Charged Up! podcast: Achieving your dreams -- Who says you can't have it all? It depends on what "all" to you is. According to Ann Shoket, former editor-in-chief of Seventeen magazine, the world is your oyster and learning how to prioritize will allow you to enjoy all it has to offer ... (See Anne Shoket podcast)

6 reasons to put all your wedding expenses on one credit card -- By using one card for all wedding-related expenses, you can more easily stick to your budget and keep track of expenses. ... (See Wedding)

AmEx launches Blue Delta SkyMiles card with no annual fee -- American Express has expanded its Delta SkyMiles product line with the launch of the Blue Delta SkyMiles card. ... (See Delta SkyMiles)

How credit freezes work & what they cost -- Credit freezes can be great tools for protecting yourself against identity theft, experts say, but they're not for everyone ... (See How credit freezes work)

Q&A: Options for avoiding foreign transaction fees -- If you plan to travel internationally, you shouldn't be paying the 3 percent foreign transaction fee. There are now plenty of cards with no annual fee and no foreign transaction fee you can sign up for ... (See Foreign transaction fees)

Fraudsters target video games for credit card fraud -- When it comes to gaming, your credit card can be compromised in a variety of ways, including account takeover, phishing and card theft through in-app purchases. ... (See Video game card fraud)

How to find corporate cards opened under your company's name -- If you're worried more cards are opened under your company's name than you're aware of, there are ways to find out ... (See Corporate cards)

Guide: How to maximize your cash back on -- By using the right credit card, stacking up on coupons and discounts and using some handy tools to find the right price, you can really make your savings on Amazon add up. We’ll show you how in five steps. ... (See Amazon)

Poll: Americans spend more than $100 billion on sports -- Gyms, equipment and lots of sporting events can wallop the wallet ... (See Sports spending poll)

Unexpected hurricane victim: your credit score -- KC Fed research finds storms can devastate credit among the financially unprepared ... (See Hurricanes and credit)

Fed: Card balances jumped by $2.6 billion in July -- Credit card balances barreled toward an all-time record in July, according to the Federal Reserve ... (See Debt )

Equifax breach exposes data of 147.9 million U.S. consumers -- A total of 147.9 million U.S. consumers had information exposed included Social Security numbers and addresses, and the credit card numbers of 209,000 cardholders. ... (See Equifax data breach)

Pushing reward card applications to the limits -- The lure of reward cards can be strong, and you may decide to apply for every one that appeals to you. But banks are cracking down on how many you can sign up for and how many sign-on bonuses you can rake in ... (See Rewards)

16 things that don’t hurt your credit score -- Pulling your credit report and shopping for a home loan leave your credit score unscathed ... (See Credit score )

18 things that hurt your credit score -- Hard inquiries, missing a payment and maxing out a card hurt your credit score. What else does? ... (See Credit score )

Chase and United unveil a new airline rewards card with no annual fee -- With the rise in popularity of premium travel rewards cards and cash back rewards cards, Chase and United have attempted to combine the two with the launch of the United TravelBank card. ... (See United)

Q&A: Is shared CD at risk if I file for bankruptcy? -- If listed only as a beneficiary, then no; but if jointly owned, perhaps ... (See Bankruptcy and CDs)

Tips for football fans on maximizing hotel rewards points -- Avoid seasonal price hikes by cashing in hotel rewards for free stays ... (See Football and hotel points)

Q&A: How to combine existing card balances without hurting score -- Combining several existing balances into an old, low-interest card is a smart move, as long as you keep all paid-off cards open to avoid hurting your credit score. ... (See Transfer)

How couples can double up on card rewards -- If you’re part of a pair, consider marrying your rewards strategy along with other parts of your life ... (See Couples and rewards)

Rate survey: Average card APR remains at record 16.14 percent for fourth week -- Sept. 6, 2017: The average APR for new card offers didn’t budge Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

Q&A: When bankruptcy doesn't make sense -- The desire to walk away from debt can be strong, but bankruptcy isn't always the cure ... (See Bankruptcy)

Charged Up! podcast: The reason behind poor credit -- The root causes of financial distress, poor credit and high debt may not be what you think. Author Rachel Schneider spent a year traversing America and following the lives of hundreds of people to find out the problem ... (See Schneider)

5 business expense card options for employers -- Owners should consider conveniences, rewards, frequency of employee purchases ... (See Expenses)

Earn up to 100,000 bonus points with AmEx Hilton cards for a limited time -- American Express has upped the sign-up bonuses for the Hilton Honors and Hilton Honors Surpass cards until Oct. 4, 2017. ... (See Hilton Honors)

9 strategies to win the credit card payments game -- Rack up savings and reduce the impact of penalty fees, hiked rates and debt on your credit card bill by following these payment rules ... (See Payments)

Which is the best card to use on Costco purchases? -- The Costco Anywhere Visa card by Citi offers a high amount of cash back on gas, travel and Costco purchases, but is it the best card to use to earn the most rewards at Costco? ... (See Costco)

Chargebacks over merchandise quality can be tricky -- The burden of proving a product isn't genuine can fall on the buyer ... (See Chargeback)

Extend your summer for last-minute beach trip on points -- Now that summer's peak season has passed, hotels and airfare deals abound ... (See Beach)

Whoops! I used my deceased sister's card -- Any charges made after death need to be reimbursed immediately ... (See Death)

Is it time for a rewards card reboot? -- It makes no sense to rack up card rewards and pay high annual fees if you don't have a specific goal in mind in which to use them ... (See Reboot)

Infographic: Millennials' falling financial chops -- Money smarts fall among young adults, survey shows ... (See Money smarts )

How to save reward points on American Airlines flights -- If you have American Airlines points, you might be better off using them on another airline to conserve your rewards ... (See Rewards)

Using credit cards for everything has risks, rewards -- Without the proper controls, you could find yourself with more debt than rewards points ... (See Charging)

Q&A: Library fines, parking tickets can no longer trash your credit -- The 2015 National Consumer Assistance Plan changed the way any kind of debt, including library fines and parking tickets, can be reported to the credit bureaus ... (See Fines)

Earn a 60,000-point sign-up bonus with Southwest Rapid Rewards cards -- For a limited time, new cardholders can earn 60,000 points after spending $2,000 in the first three months of card membership – an increase of 20,000 points over the previous offer. ... (See Southwest Rapid Rewards cards)

Millennials’ credit card usage lags Gen-Xers as young adults -- More debit cards and shorter credit histories explains millennials' lagging credit card use ... (See Cards)

Rate survey: Average card APR stays put at 16.14 percent -- August 30, 2017: The average interest rate for new credit card offers remained at a record high Wednesday for the third consecutive week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: Mastering your credit card rewards -- If you're looking to book free travel or maximize your cash back rewards, Tessa Juliette has some tips to getting to your goals quickly without needing to manage 15 cards ... (See Podcast)

When denied credit, don't get mad, get even -- Figure out where you went wrong to make you more attractive to lenders ... (See Denied)

Credit card wins -- Real stories of how people turned their everyday purchases into big rewards with smart spending on their credit cards ... (See Everyday)

Card debt a persistent obstacle to retirement savings -- After paying off the monthly bills, credit card debt is the biggest reason Americans don't save for retirement ... (See Retirement obstacle)

5 steps to rebuild credit after prison -- Prison can wreck your credit; bouncing back takes work ... (See Prison)

Using rewards on discount airlines -- If you want to score a cheap ticket on a discount airline, you may find it hard to use reward points unless you have a credit card that refunds for any travel expense ... (See Rewards)

How to get reimbursed for HSA expenses -- If you have an HSA account, you may find yourself paying a lot of pocket for major medical needs. Fortunately, you can reimburse yourself, but it will be tricky if you're just using a debit card ... (See HSA)

How many credit cards should you have? -- Wondering how many credit cards you should have? Experts say at least two, one from each card network, one from each type of rewards, and no more than you can handle ... (See Cards)

3 ways credit cards can help you achieve your fitness goals -- Credit card sign-up bonuses, special financing financing offers and discount stores with credit cards can help you finance your fitness gear. ... (See 3 ways credit cards can help you achieve your fitness goals)

3 ways credit can help ease the costs of pet ownership -- Credit card sign-up bonuses, pet store loyalty programs and special financing for medical emergencies can take a nip out of those pesky pet care costs. ... (See 3 ways credit can help ease the costs of pet ownership)

4 ways to use credit cards to save on your next beauty haul -- Credit card bonuses, coupons, loyalty programs and shopping online can help trim the costs of your beauty regime. ... (See 4 ways to use credit cards to save on your next beauty haul)

3 ways credit cards can save you money on home improvements -- Store cards, a sign-up bonus and category cash back cards can cut the costs of a kitchen remodel, home office or baby's nursery. ... (See Home)

How to rack up rewards on your daily commute -- Commuting takes up a lot of the day. Now you can turn some of that transportation time into funds by using credit cards that speed up the rewards you earn ... (See Transportation rewards)

Credit cards, rewards programs add up to savings at the grocery store -- Here are four ways to score points or cash back at the grocery store -- or even with delivery to your door ... (See Grocery)

4 unexpected ways to earn rewards from grocery shopping -- Here are four other ways than buying groceries to earn rewards ... (See Rewards)

How dining out can help you earn more rewards -- Here are four ways that dining out can help you earn more rewards ... (See Dining and points)

How credit card needs change as your kids grow up -- Over the years as your kids grow up, get the most rewards from your charging habits ... (See Cards)

Q&A: Buying a new car? Don't take out personal loan to pay off card -- If you're planning to buy a new car, hold off on applying for a personal loan to pay off credit card debt. It will ding your credit score on two fronts ... (See Loan)

Can't pay card bills after medical crisis: What to do? -- If you have no assets and have protected funds, you are considered "judgment proof" ... (See Crisis)

When it makes sense to charge kids' school, day care costs -- If a fee is assessing for using plastic, it's often better to find another way to pay ... (See Kids)

How to get the Southwest Companion Pass -- We show you how to take advantage of all the bonus points opportunities with Southwest to easily score its legendary Companion Pass each year, even on a moderate budget. ... (See Southwest Companion Pass)

Borrow Delta SkyMiles now, earn them back later -- Need to purchase a flight or hotel stay, but don't have enough Delta SkyMiles to do so? American Express may have a solution for you. ... (See Delta SkyMiles)

Q&A: Can post-bankruptcy deed in lieu be reported to credit bureaus? -- A deed in lieu can't be reported to credit bureaus and shouldn't affect your score if you filed bankruptcy more than seven years ago and the related mortgage was part of it. ... (See Score)

Rate survey: Average card APR stays at record high of 16.14% -- August 23, 2017: The average APR for new card offers stayed put this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: Uncovering cryptocurrencies -- If you want to get into the cryptocurrency game, your credit card can help. Find out what cryptocurrencies to look out for, how to purchase them, how to secure them and how to use them as an investment ... (See Podcast)

Parent has bad credit? Don't become an authorized user -- You're better off building a credit history from scratch than piggybacking on a card with a poor payment history ... (See Credit)

CFPB: American Express discriminated in Puerto Rico, territories -- More than 200,000 American Express credit customers in Puerto Rico and U.S. territories are receiving $96 million in compensation for discriminatory practices, CFPB announced. ... (See AmEx)

4 savvy rewards card lessons from America's teachers -- Credit card rewards help these educators score free travel and cash back for school supplies ... (See Lessons)

Q&A: Using gift cards to amass reward points -- Prepaid gift cards can be helpful in your rewards earning strategy if you use them the right way ... (See Rewards)

Chase Sapphire Reserve vs. Preferred: Which is better? -- Now that the anniversary of the Chase Sapphire Reserve card has rolled around, is the Reserve worth keeping in the long run? Read on to see why the Sapphire Reserve may be a better option than the Sapphire Preferred. ... (See Chase Sapphire)

Chip cards bring new fraud trends -- The advent of EMV chips has curtailed fraud from lost and stolen cards, but online fraud continues to rise ... (See Fraud)

Poll: Recurring charges are easy to get into, hard to get out of -- Thirty-five percent of consumers signed up for accounts that enrolled them in auto-pay without them realizing it ... (See Poll)

Should a hospital add a surcharge for card transactions? -- With medical services already costly and unpredictable, adding a credit card surcharge could push some customers over the edge ... (See Surcharge)

Q&A: Removing myself from credit card I share with my ex -- Removing yourself from a credit card that you've shared with your ex for many years can have mixed effects on your score, depending on the account's standing and payment history ... (See Ex)

Am I liable for check-cashing, credit card scam charges? -- The rules that provide zero liability don't help if you gave someone your card ... (See Scam)

Ways to rack up points for last-minute, back-to-school shopping -- Offset school supply buys using airline shopping portals and more tips ... (See School)

You may soon be able to buy lottery tickets at grocery checkout -- States have to approve shoppers using smartphones linked to credit or debit cards to purchase Powerball and Mega Millions chances. ... (See Lottery)

EMV chip card torture test -- We put EMV chip credit cards through a series of tests to see how they stand up to common threats such as extreme temperatures, water and corrosive liquids. ... (See Test)

6 habits of successful card reward experts -- Taking your rewards game to "wow" levels requires a bit of ingenuity and skill ... (See Rewards)

Scoring a great rewards card from your existing bank -- If you're looking for a new rewards card, you might want to stay close to home as more banks are offering great deals to keep customers on board ... (See Rewards)

American Express reclaims top spot in J.D. Power ranking -- American Express reclaimed the top spot in this year's J.D. Power ranking survey. Customer satisfaction with credit card issuers improved overall, spurred by the proliferation of rewards benefits. ... (See Survey)

Average card APR climbs to record high of 16.14 percent: Weekly Credit Card Rate Report -- Aug. 16, 2017: The average APR for new credit card offers hit another record this week, according to the Weekly Credit Card Rate Report ... (See Rates)

When does clock start ticking on 0-percent card deal charges? -- Hint: It's before you put the first charge on the card ... (See 0 percent)

Charged Up! podcast: The mind-money connection -- Harvard Professor and Executive Coach, Dr. Srini Pillay, talks about how to train your unconscious brain to do what your conscious brain wants ... (See Podcast)

New delinquencies rising for credit card users, New York Fed finds -- Newly delinquent credit card accounts are accelerating, a "potentially concerning" trend, New York Fed economists said ... (See Delinquency)

How to prepare for the next economic downturn -- With the current economic expansion aging beyond the normal lifespan, credit counselors advise how to prepare for lean times ... (See Recession)

Options for business cash back cards -- If you're signing up for a business cash back card, you have a lot of options. Be sure to calculate ahead of time which kind of cash-back deal can give you the most rewards. ... (See Business)

Millennials most likely to monitor credit scores, plan to improve them -- The younger generation is more active in keeping tabs on this important financial barometer ... (See Score)

How to know when a credit card charge is a scam -- As a small-business owner, fraudulent transactions can be disastrous to the bottom line. When accepting cards online, there are some ways to protect yourself ... (See Fraud)

Borrowing from friends and family: Your 6-step guide -- If as a last resort you need to ask you family or friends for money there are way to make it more palatable for both of you ... (See Borrowing)

Q&A: What to do if you suspect someone opened a card in your name -- If you suspect someone opened a credit card in your name, check your credit reports first. Then you have several options to address the possible consequences of identity theft ... (See ID theft)

Special offer: Blue Cash Preferred waives annual fee for first year -- American Express has launched a special introductory offer for the Blue Cash Preferred card. During the first year of card membership, cardholders will not be charged the usual annual fee of $95. ... (See Preferred)

Learn how to maximize card rewards for family fun, saving -- Family rewards expert Summer Hull recounts her free family summer fun ... (See Family)

Will canceling card prevent charges from going through? -- Getting rid of the card won't void any charges you made to it ... (See Cancel)

6 reasons entrepreneurs should get a business card -- Benefits such as expanded buying power, spending rewards and tracking assistance can help fuel business growth ... (See Upgrade)

Q&A: How does credit card activity affect my score? -- Making additional charges and payments on your card on the same billing cycle won't impact score; what really counts is how much you owe at the end of each month, and when you pay it. ... (See Score)

Is it worth keeping the Chase Sapphire Reserve for a 2nd year? -- The one year anniversary has arrived for Chase's blockbuster premium card; we break down whether it's worth keeping once you've used the big bonus ... (See Reserve)

2017 Credit Card Fee Survey: Consumers catch a break -- Changes to credit card fees have decreased, foreign transaction fees are going away, and the rest can be avoided. ... (See Fee Survey)

Rate survey: Average card APR remains at record high of 16.13 percent -- August 9, 2017: The average credit card rate remained at a record high this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

How do airline credit cards work? -- Know what you're signing up for before you apply ... (See Airline)

How identity theft affects your credit score -- Identity theft can hamper your ability to get loans, but you can avoid long-term impact ... (See Theft)

Charged Up! podcast: Pausing your career for parenthood -- Taking time off for parenting can be a career-killer. Author and journalist Lisen Stromberg says there are ways to take the pause while still staying in the game. ... (See Podcast)

Discover cardholders can save 15 cents per gallon at the pump this summer -- Thanks to a new partnership between Discover and Gulf Gas, Discover cardholders can save 15 cents per gallon of gas this summer. ... (See Discover)

Paying for a rental car with debit card: 9 obstacles -- Want to rent a car using a debit card? Expect extra hassles. ... (See Rental )

Beware of checks sent with your card statement -- If you receive convenient checks with your card statement, you might be tempted to use them, hoping to get rewards. Not only will you get no points for using these checks, but you could end up paying high fees ... (See Rewards)

When do credit card rewards, airline miles, hotel points expire? -- Your credit card rewards could have an expiration date, and if you ignore that deadline you could be throwing away money ... (See Expire)

The AARP card from Chase doubles its sign-up bonus to $200 -- The AARP card from Chase now pays $200 when you apply for the card by Aug. 25, 2017 and spend $500 in the first three months. ... (See AARP)

Merchants say mobile wallets coming but won't cut fraud -- Most retailers and e-tailers believe mobile wallets will be widely adopted in the next five years, but only about a third think mobile payments will cut fraud ... (See Mobile wallet)

Fed: U.S. consumers shatter all-time card debt record -- U.S. consumers shattered the all-time record for credit card debt in June, according to the Federal Reserve ... (See Card debt)

How reimbursement works for airline miles purchases -- If you purchase airline miles for a business trip with your own card, how do you calculate the value for reimbursement ... (See Miles)

Do you have a creditworthy personality? -- Psychometric credit scoring uses personality tests to gauge creditworthiness. Could it come to the U.S.? ... (See Credit score)

Three errors that could cause a 100-point score drop -- Reckless activity on joint credit cards can affect negatively all account holders' scores, regardless of who overspent. ... (See Score drop)

Video: Brews and banking with Capital One -- Banks like Capital One are reaching out to customers in a new way, by giving a Starbucks experience to visitors and giving them a chance to get their banking questions answered along the way ... (See Cafe)

6 times to forgo big rewards for a basic, low-interest card -- Why some people eligible for coveted cards are better off turning them down ... (See Rewards)

Can authorized user be arrested for card charges? -- If the primary accountholder gave you a card, then he is liable for the balance ... (See Arrest)

Credit monitoring: When is it worth paying for? -- Some consumers see credit monitoring as a waste of money, but others swear by it ... (See Monitoring)

Q&A: Best strategy to raise my credit score beyond 750? -- The easiest way to raise an already stellar credit score may take some patience, but it's foolproof: paying on time and keeping card utilization low. ... (See Beyond 750)

Rate survey: Average card APR soars to record 16.13 percent -- August 1, 2017: The national average APR for new card offers climbed again this week, reaching an all-time high of 16.13 percent, according to the Weekly Credit Card Rate Report. ... (See Rates)

How to remove a card account you didn't open from credit reports -- If someone opens a card in your name, clearing it from your credit reports should be easy ... (See Fraud)

Charged Up! podcast: Striking gold in the precious metals market -- In the event of a stock market crash or credit bust, many people feel gold can keep them afloat until the market rebounds. In this episode we learn about how to buy, sell and store precious metals as part of an investment portfolio ... (See Podcast)

Merry holiday shopping: 6 ways to cut your costs now -- Back-to-school and summertime deals can lead to major savings if you start your holiday shopping early. First step: making a budget and a gift list. ... (See Holiday)

Infographic: We may pay with finger, face, eye or voice in 2027 -- A survey found that 80 percent of respondents support payment technologies such as fingerprint sensing, facial recognition and retinal scanning ... (See Payments)

Using rewards to fly first class -- If you want to use your points to upgrade your seat category on a flight, it could still cost you money ... (See Rewards)

Charge cards dying out as rewards get juicier -- The trailblazing charge card tries to differentiate in crowded card market ... (See Charge card)

Consumer protection bureau warns about pay-by-phone fees -- The government's consumer watchdog issued a warning Monday that companies are charging pay-by-phone fees that can be unnecessary and misleading ... (See Fees)

Can I transfer my balance from a personal to a business card? -- Some business cards allow you to transfer a balance from a personal credit card to a business credit card, but it comes with a liability risk ... (See Transfer)

Which is the best credit card for purchases? -- Between the Amazon Rewards Visa and the Amazon Prime Rewards Visa, which is the best card to use at Amazon? ... (See Amazon)

6 red-hot, real-deal personal finance influencers -- Social media is awash with money advice, so we culled the web for the best personal finance advisers on Facebook, Instagram and Twitter ... (See Influencers)

Q&A: Why a recent graduate should get a second credit card -- A second card can increase your total available credit and improve your score; just look for a card that caters to credit-building consumers ... (See Card)

Rate survey: Average card APR climbs to record high of 16.11 percent -- July 26, 2017: The national average APR for new credit cards smashed another record this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Under 30 and over 800: Young credit score achievers -- Excellent credit takes time, but it is possible to achieve an 800-plus credit score in your 20s ... (See Scores )

Charged Up! podcast: How to think about money -- Best-selling author and Wall Street Journal personal finance columnist of more than 20 years, Jonathan Clements breaks down the essentials when it comes to managing your money and building wealth ... (See Podcast)

Can I co-sign on secured card to start child's credit? -- It may be wiser, and easier, to add her as an authorized user to an existing card ... (See Credit)

Updated Citi Prestige card now offers a 75K sign-up bonus -- The Citi Prestige has launched a slew of card changes, including a 75,000-point sign-up bonus and the ability to book complimentary hotel stays online. ... (See Citi Prestige)

What counts as travel on a travel rewards card? -- Find out how to make sure you're getting the points you are expecting for certain travel-related purchases ... (See Rewards)

8 strategies to resist impulse buying -- Buying something new gives you a buzz, but can break your budget if left unchecked ... (See Impulse buying)

DIY credit card arbitration: You may be able to opt out -- Consumers can preserve their right to go to court instead of private arbitration in many cases by going through and opt-out process ... (See Arbitration)

Credit card specials offers & limited-time promotions -- Our ongoing, updated list includes deals from retailers, airlines, hotels and more. Check back often so you don't lose out ... (See Rewards)

How high of a fee do businesses pay to accept cards? -- Credit card companies charge fees to businesses when they allow credit card transactions, but certain processors may tack on additional fees which could hurt the bottom line ... (See Fees)

Breaking the budget to go on vacation -- Millennials most likely to take on debt for a summer experience ... (See Vacation)

Being authorized user on a maxed-out card: Does it help or hurt score? -- Removing yourself as authorized user from a nearly maxed-out card can have mixed effects on your score, but you should do it and start building credit on your own ... (See User)

Why do I keep getting rejected for a new card? -- Even though you repaid the balance, don't expect complete forgiveness ... (See Rejected)

Video: How your points can pay for experiences -- Tips on how to use your points for more than hotels and flights ... (See Rewards)

Alerting card issuers of travel plans may soon be obsolete -- New industry-leading fraud detection technology can recognize when card members are traveling, eliminating the need to notify card companies of travel plans ... (See Travel)

Q&A: Missing a card payment to build credit is terrible advice -- Missing an initial payment on your first card to start building credit is not only bad advice, but can also void some of the promotions on the card, like a 0 percent APR. ... (See Bad advice)

Infographic: How many households have at least one card? -- Your annual income and education level may indicate the chances of whether or not your household has a credit card ... (See Cards)

Survey: Average card APR holds steady at 16.06 percent for third week -- July 19, 2017: The national average APR for new credit cards held still this week despite multiple changes to card offers, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: How to live debt-free -- Learn how to get out of the cycle of debt and start living a debt-free life, while still enjoying what matters most ... (See Podcast)

With two $0 balance cards, will a new card hurt my score? -- Adding a new card will result in a minor hit to score, but it's only temporary ... (See Card)

Bad credit? You’re still a target for identity thieves -- Many consumers believe identity thieves won't touch them because of their poor credit. It's not true ... (See Identity theft)

New Santander Bank card offers unlimited 1.5 percent cash back on all purchases -- Santander Bank has launched the Ultimate Cash Back card – a new credit card that pays cardholders 1.5 percent cash back on every purchase along with a $100 sign-up bonus after spending $500 in the first 90 days. ... (See Santander Bank)

Are airline cards worth the annual fee? -- Airline cards come with big sign-on bonuses, but after that's used it's difficult to amass a significant number of points. However, there are other perks that make the annual fee worthwhile ... (See Fee)

Abolish the password? Card issuers are working on that -- Credit card issuers and banks aim to phase out passwords over the next few years with the help of biometric authentication ... (See Password)

Rejection of credit card applications rises, New York Fed survey shows -- Consumers got turned down for cards at highest rate since 2015, New York Fed survey says ... (See Credit)

Funding a small business with credit cards -- Be cautious and know whether you are personally responsible ... (See Business)

Can you be too old for a credit card? -- By law, banks cannot consider age when they make a credit decision. However, other factors can often impact senior citizens ... (See Too old)

Finding the best card to pay for child care expenses -- Paying child care bill with plastic is fine, but only if you can pay off the balance every month ... (See Child)

Back-to-school credit guide 2017 -- resources for shopping, learning about credit and managing debt during the back-to-school season. ... (See Tips)

Student card survey 2017: Offers, terms become more generic -- Student cards morphing into more general-purpose cards ... (See Student)

3 ways to maximize rewards on back-to-school shopping -- Sign-up bonus, shopping portals and cash back can cut your costs ... (See Back-to-school)

5 apps to turbocharge back-to-school savings -- Mobile discount and coupon apps puts back-to-school savings at your fingertips ... (See Apps)

Chase Freedom vs. Freedom Unlimited (It's not a tie) -- The Chase Freedom and Chase Freedom Unlimited cards share similar names, so you may wonder if their rewards structures are the same, too. In short: No. ... (See Chase Freedom)

Infographic: In divorce, women's credit suffers more -- More than half of recently divorced women said their credit score tanked during marriage, compared to just 42 percent for men ... (See Divorce)

Q&A: Closing maxed-out card won't lower credit utilization -- Closing a card will never lower your credit utilization or help your score by any other means. But paying off card debt while keeping the card open will. ... (See Maxed)

Rate survey: Average card APR remains at record 16.06 percent for second week -- July 12, 2017: The national average APR for new card offers remained above 16 percent Wednesday for the second week in a row, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: Becoming a suitcase entrepreneur -- Author of "The Suitcase Entrepreneur" Natalie Sisson has figured out how to live anywhere in the world and still earn a six-figure salary doing what she loves ... (See Suitcase)

Will applying for, then quickly canceling, new card hurt scores? -- A single hard inquiry will temporarily ding your score, but not by much ... (See New card)

The history of credit cards (timeline & major events) -- From charge plates to Apple Pay, here's a look back at the many iterations of the credit card over the past 150 years. ... (See History)

How does Priority Pass airline lounge access work? -- With it, 1,000 airport lounges in 130 countries open their doors to you ... (See Priority Pass)

Chase IHG Rewards card hikes sign-up bonus to 80,000 points -- Chase has boosted the sign-up bonus for the IHG Rewards Club Select card by 20,000 points. Now, new cardholders receive 80,000 bonus points after spending $1,000 in the first three months. ... (See IHG)

CFPB rule: Consumers should be able to band together and sue -- Banks, GOP oppose measure that would end "mandatory arbitration" clauses that prevented class-action suits ... (See Arbitration)

Fed: Card balances jump $7.3 billion in May -- Credit card balances continued their sprint toward an all-time high in May, according to the Federal Reserve ... (See Debt )

When is it OK to add a surcharge? -- Small-business owners may be tempted to pass on hefty credit card fees to customers, but that approach may discourage loyaltyy ... (See Surcharge)

Lenders' right to offset: What you need to know -- This little-known clause allows funds to be pulled from your accounts to pay debts ... (See Right to offset)

Poll reveals who are the best, worst tippers -- A Northeasterner with a credit card will likely make the wait staff smile ... (See Tipping poll)

How to use card rewards, perks to boost back-to-school savings -- Stretch your back-to-school shopping budget with credit card rewards and shopping discounts. ... (See Back to school)

How credit cards cut the costs of your wedding -- Sign-up bonus and rewards can help with expenses for the big day and honeymoon. ... (See Wedding)

Card issuers' profits slip, Fed report says -- Profits weighed down by anticipated delinquencies, but they remain the highest in banking industry ... (See Profits)

Video: Saving on back-to-school shopping -- Back-to-school shopping can be hard on the pocketbook, but we have you covered with tips on how to save money and make the most of your credit card rewards ... (See Budget)

Looking for no-fee, 21-month balance transfer card -- Most long-term 0 percent balance transfer deals have a fee, but the savings can still be substantial ... (See No-fee transfers)

Student credit cards: The definitive guide -- Five lessons for students ready to apply for their first credit card ... (See Student cards)

Gen Z getting a head start using credit cards -- Almost a fifth of teens 13-17 are authorized users on an adult's card, a TransUnion study finds ... (See Gen Z)

Q&A: Does being an authorized user on too many cards hurt my score? -- Removing yourself as an authorized user from credit cards could either hurt or boost your score; it all depends on your own credit history and the amounts you owe ... (See User)

PayPal Credit: A guide to PayPal’s virtual credit line -- Sort of a cross between an installment loan and a credit card, PayPal Credit is a virtual credit line extended by PayPal. ... (See PayPal)

Rate survey: Average card APR surges to record 16.06 percent -- One credit union bucks the trend by lowering card APR ... (See APRs)

Can I transfer loan balance to a credit card? -- Yes, and you can even save on interest, if you play your cards right ... (See Loan)

FICO: Average credit score reaches 700, an all-time high -- A strong economy and the erasure of recession-era negative credit report items have boosted credit scores ... (See FICO)

Charged Up! podcast: Warding off financial infidelity -- Janet Lombardi shares her experience with bankruptcy after her husband drained their accounts and racked up debt to feed an addiction and hide business problems ... (See Podcast)

Maximizing card rewards after you've earned the sign-up bonus -- So, you've signed up for a bunch of rewards cards, now what? Even if you've already earned the sign-on bonus, there are still some strategies to getting every point available ... (See Rewards)

Guide to rising credit card interest rates -- This guide includes articles and resources that will help you deal with rising interest rates and smarten up your spending. ... (See Rates)

Should a business add a surcharge for card transactions? -- An app maker is looking to allow customers to pay for meals through their app, but wants to pass on the merchant processing fee for credit card transactions to the consumer ... (See Surcharge)

6 percent of FICO scores to change under new credit rules -- The credit bureaus will remove all civil judgment and most tax lien data from credit files starting July 1 ... (See FICO)

Easy ways to use cards to boost score, get a home loan -- Pay bills in full and on time, keep credit utilization low to get best lending terms ... (See Score)

Is it worth disputing card opened fraudulently at 17? -- Once the account is paid off, its score impact will eventually fade ... (See Score)

The ultimate guide to protecting credit in a freelance and gig economy -- A freelancing lifestyle can create credit nightmares without proper planning ... (See Gig economy)

PayPal Cashback Mastercard offers 2 percent cash back on all purchases -- PayPal and Synchrony Bank have partnered to launch the PayPal Cashback Mastercard – a new credit card that gives cardholders 2 percent cash back on everything they buy. ... (See PayPal Cashback Mastercard)

How to check your child’s credit report: Step-by-step instructions -- Here are the steps to take when contacting the top three credit bureaus if you suspect your child is a victim of identity theft ... (See Checking minor's credit reports:)

4 questions to ask to score the best secured card -- Know what to ask when shopping for a secured card to increase your chances to be approved while keeping your score intact ... (See Secured)

Wrongly reported old delinquencies can keep credit score low -- Old delinquencies reported as recent by mistake can seriously damage your credit score. Identify any errors on your credit report and submit an investigation to credit bureaus ... (See Errors)

Rate survey: Average card APR jumps to record 16 percent -- Issuers cut back on mailing rewards cards offers ... (See Rate report)

Card refund tips for crowdfunding sites, scams -- While most charitable causes are legitimate, scams do happen. Can you get your donations back? ... (See Tips)

Don't rush to close your secured card -- If a new unsecured card has a low limit, you may want to keep secured card open ... (See Secured)

Charged Up! podcast: How to start building wealth now -- Real estate mogul and best-selling author David Osborn breaks down his pillars of success when it comes to building wealth and how you can get into the game now . ... (See Podcast)

Immigrants reveal shock, confusion at US credit system -- Six immigrants from around the globe reveal their impressions about the U.S. plastic culture, and how they navigated the road to good credit. ... (See US)

4 reasons to close a rewards card -- You may have signed up for a rewards card for the bonus points but now find yourself facing an annual fee for a card you no longer use. ... (See Rewards)

New PNC Cash Rewards Visa offers up to 4 percent back on everyday purchases -- PNC has launched a new credit card that gives cardholders up to 4 percent cash back on items they use every day, including gas and food. ... (See PNC Cash Rewards Visa)

Infographic: Online shopping is in and stores are out -- Online and mobile shopping continue to grow. Nearly 80 percent of those surveyed said free delivery will sway them to purchase an item online instead of in a store. ... (See Shopping)

Poll: Women better at credit than men, they just don't know it -- Men were more likely than women to incorrectly indicate that age, marital status and ethnicity are credit score factors ... (See Credit)

Can a friend be a co-signer for a business credit card? -- Starting a business requires money and credit. If you don't have one, is it possible to have a friend or family member co-sign for a business card? And, if so, is it a good idea ... (See Co-signer)

Sally Taylor-Shoff: Trended data a no-go for FICO -- FICO's Sally Taylor-Shoff says there's little evidence trended data helps lenders or credit card issuers ... (See FICO)

Rack up rewards by charging homebuying costs -- Here are six ways to earn credit card rewards while purchasing a home ... (See Home buying card rewards)

Pay as you charge to boost credit score -- Making several payments throughout the month to keep credit utilization low is a wise strategy to build credit with a low-limit credit card. ... (See Payments)

Retrieving CVV, expiration date on deceased's credit card -- If the primary cardholder dies, an authorized user cannot use the card anymore ... (See CVV)

Video: Tips when applying for a new card -- Make applying for a new card a painless and successful process by following these tips ... (See Credit)

Bluesnarfing: newest card fraud at gas pumps, ATMs -- With a skimmer and Bluetooth technology, fraudsters can sit nearby and intercept your payment transaction details ... (See Bluesnarfing)

Happy 50th birthday, ATM, you've come a long way -- Inventor of money dispenser says idea came to him in the bathtub. ... (See ATM)

Rate survey: Average card APR climbs to all-time high of 15.96 percent -- June 21, 2017: The national average APR for new credit card offers set a new record this week after multiple card issuers increased rates, according to the Weekly Credit Card Rate Report. ... (See APRs)

How to help a 17-year-old build good credit, in 3 steps -- At that age, just shy of adulthood, it's the right time, and parents can help ... (See Teen)

Charged Up! podcast: Affording healthy choices -- Robyn O'Brien, a prominent voice in the health food movement, breaks down what it takes to afford to eat healthy meals without breaking the bank. ... (See Podcast)

TransUnion to pay $60 million to consumers flagged as criminals -- A jury sided with a consumer who claimed TransUnion violated federal law over OFAC alerts ... (See Suit)

5 money management tips for Generation X -- Even in your 40s, there's still time to master your finances ... (See Gen X)

Build extra reward points with gift cards -- One way to maximize your card reward offers is to buy gift cards, but beware of how the card is coded so it counts toward the category bonus ... (See Rewards)

Infographic: Who uses digital wallets, and for what -- For now, they're the province of young urbanites with high incomes ... (See Digital wallets)

Prime members can now earn 2 percent back on Amazon purchases without a credit card -- Amazon shoppers can now earn 2 percent back on all purchases without having to use an Amazon credit card. ... (See Amazon Reload)

Who is responsible for business card debt? -- If a business partnership goes sour or a business incurs too much debt, you could find yourself in an expensive situation, responsible for more debt than you personally incurred ... (See Business)

Moving? Use a credit card to rack up major points, rewards -- Get points and rewards by charging moving expenses on a rewards card, as long as you pay it your bill pronto ... (See Moving)

How not to go broke as a wedding guest -- A card's sign-up bonus, cashing in rewards can save you on wedding travel and gifts ... (See Wedding)

How quickly can I raise my score after years of inactivity? -- Raising your credit score after years of credit inactivity takes time and consistency. Start by opening a new credit card and using it for daily expenses, like groceries and gas ... (See Inactivity)

10 tips to simplify online shopping returns -- Unexpected return shipping cost and far away brick-and-mortar stores can make online shopping a headache. Here are tips from experts to make it less stressful ... (See Returns)

Executor not personally liable for deceased's card bill -- The estate is responsible, and state laws have to be followed ... (See Death)

Approved for a too-low-limit card; better off closing it? -- If you were approved for a credit card with a very low limit, resist the temptation to close it. Use it wisely to increase your limit and protect your score ... (See Low limit)

CFPB: Many low-income consumers start credit on a bad note -- Lower-income consumers are more likely than those with higher incomes to become "credit visible" with negative items, according to the CFPB ... (See Credit)

Cash back cards survey: Complex is out, simple is in -- Flat-rate offers now outnumber cards with tiered paybacks, a new survey finds ... (See Cash back )

Survey: Average card APR jumps to new record of 15.89 percent -- June 14, 2017: The national average APR for new card offers bounced to another all-time high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Can I get a credit card if I don't have a job? -- At 19 with no income, it's time to explore other ways to build a credit history ... (See Job)

Charged Up! podcast: The cost of debt in prison -- Out on the streets, debt may mean being hounded by debt collectors. But, in prison it could mean requesting solitary confinement to save your life ... (See Debt)

Meet hip-hop artist Dee-1 who raps about financial literacy -- This 28-year-old, former middle school teacher turned recording artist raps about embracing a lifestyle of hard work, mature choices and fiscal responsibility ... (See Rap)

Sizing up a credit card rewards scheme -- Points pros live lavish lifestyles with their rewards points they collect, but if you're planning to get in on the game, make sure the fees won't outweigh the benefits ... (See Rewards)

Infographic: How small-business owners use business credit cards -- About half of U.S. small-business owners have a business credit card, and the leading expense on those cards is office supplies. ... (See Small businesses)

5 extraordinary ways to redeem rewards points this summer -- Instead of redeeming your hard-earned miles and points for a flight upgrade or hotel stay, why not try an exciting new experience this summer? ... (See Extraordinary summer experiences)

Supreme Court gives debt buyers a pass from collection law -- In a unanimous Supreme Court ruling Monday, debt buyers can collect accounts they own without obeying the federal law that reins in professional debt collectors ... (See FDCPA)

7 ways you can lose credit card rewards points -- You worked hard for those points, so don't throw them away ... (See Points)

Am I liable for cards in my name that I didn't use? -- If you're asked to take out credit cards for a friend's business, be careful about agreeing - you could be liable for the purchases ... (See Liability)

Can late payment on one card cause APR hike on another? -- The Credit Card Act of 2009 banned the practice of universal default, but there are some loopholes ... (See Rate hike)

Video: How college students can build credit -- For students and graduates, the time is now to build credit so you can buy a car, rent an apartment and build credit history ... (See Student)

How does a merchant know my new card number? -- Oftentimes changing your card number won't stop a merchant from charging your account ... (See Charges)

6 questions to ask when adding an authorized user to your card -- Considering adding an authorized user to your card? Here are six answers to questions about account access, credit limits, fees, points, credit utilization and statements. ... (See User)

6 things to know before requesting a credit-line increase -- Before you request a credit increase, think about how it will affect your credit score and why you need the added amount ... (See Credit limit)

Fed: Card balances rise $1.5 billion in April -- Credit card balances continued to creep toward an all-time high in April, according to a federal report released Wednesday ... (See Debt )

Average card APR climbs to all-time high of 15.83 percent: Weekly Credit Card Rate Report -- June 7, 2017: The national average APR for new card offers reached another all-time high this week, according to the Weekly Credit Card Rate Report ... (See APRs)

5-star reviews may help your small business get credit -- Online reviews, social check-ins are tested as credit scoring data, amid skepticism ... (See Yelp!)

Charged Up! podcast: Master the art of negotiation -- Learn how to negotiate that higher salary, lower credit card interest rate or even great deal at a store with expert negotiator and author Linda Swindling ... (See Podcast)

How an immigrant can build credit in the U.S. -- Once you have documentation, it's time to begin your credit journey ... (See Immigrant)

New at some brick-and-mortar stores: Pay with your points -- More retailers are linking with credit cards to let you use your reward points easily when making purchases ... (See Rewards)

Chase and Southwest boost sign-up bonuses to 60,000 points -- Chase has added 20,000 points to the sign-up bonuses for the Southwest Rapid Rewards Plus Visa Signature card and the Southwest Rapid Rewards Premier card – just in time for summer travel. ... (See Southwest Rapid Rewards cards)

CHOICE Act would let debt buyers raise interest rates -- One sentence in the Financial Choice Act that aims to repeal and replace the Dodd-Frank consumer protection law would allow debt buyers to raise interest rates beyond state-set limits ... (See Debt)

Are in-car payments a deadly convenience? -- Voice-activated technology aims to reduce danger, but safety experts fear driver distraction ... (See Killer app)

Infographic: Higher fraud numbers can mislead -- Card-not-present fraud increasing in dollar amounts but not necessarily in quantity of fraud instances ... (See Fraud)

A second credit card: When it's wise to get one, when it's not -- Adding more plastic to your wallet can be an asset, but it's not for everyone ... (See Second card)

What's the best 0-percent interest business card? -- If you belong to an organization or a business with a good credit history, you could qualify for a great card that gives you many months of 0 percent interest ... (See 0 interest)

UBS Visa Elite: premium card launches with 50,000-point sign-up bonus -- Swiss Bank UBS has entered the premium credit card race with the launch of the UBS Visa Infinite – a new, metal credit card geared toward high and ultra-high-net-worth U.S. customers. ... (See UBS Visa Infinite)

4 options to tackle credit card debt in retirement -- A good credit counselor can help you find the best possible path out of overwhelming credit card debt -- including a debt management plan or even filing bankruptcy. ... (See Debt)

Options for getting out of expensive car loan -- Once you sign the papers, your choices are limited ... (See Car loan)

Who to call in the first hours after fraud strikes -- Who to call in the first hours after you've been a fraud victim. ... (See Fraud)

How will closing secured card, opening unsecured card affect credit? -- The possible impact of closing a credit card will be mostly offset by the benefits of opening a new one -- if your available credit doesn't shrink and your credit utilization ratio doesn't increase ... (See Card)

Poll: 94 million Americans store their card information online -- Oldest shoppers most likely to let retailers keep their data on file, raising security and impulse shopping concerns ... (See Poll)

Rate survey: Average card APR jumps to record high of 15.82 percent -- May 31, 2017: The national average APR for new card offers broke another record this week, rising to an all-time high, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: Surviving the robot revolution -- When will robots start coming for your job? The answer: sooner than you think. Hear what industries are safest from robot competition and what skills you need to stay marketable in the new economy ... (See Podcast)

On secured cards, add bigger deposit to goose score -- Having a higher credit limit, and not using it, will help a key scoring factor ... (See Secured)

What if you're a few points short of your plane ticket? -- If you are just shy of the credit card points you need to buy a plane ticket or a hotel room, there are options to get the points quickly, but you may be paying a premium ... (See Points)

How a high-limit card can boost your credit score -- A high-limit card can give your credit score a lift by increasing your available credit ... (See Card)

American Express doubles the sign-up bonuses for Delta SkyMiles cards -- American Express has doubled the sign-up bonuses for the Gold Delta SkyMiles and Platinum Delta SkyMiles cards for a limited time. ... (See Delta SkyMiles)

Infographic: Employees increasingly off the hook for travel card expenses -- Employers today rarely put responsibility on employees for travel card expenses ... (See Travel cards)

What to do when a customer uses someone else's card -- If you didn't verify the cardholder, you could be liable for the charge ... (See Fraud)

Will I be declined for an installment loan with a fair credit score? -- An installment loan with a low APR could help you pay down high-interest card debt, but it could also damage your score if you are declined. Consider transferring balance to an existing 0-percent card instead. ... (See Loan)

Can husband report wife for using his card to pay bills? -- He gave permission, then changed his mind and is now claiming fraud ... (See Fraud)

Video: 5 ways to score rewards for wedding costs -- Wedding costs can take a big bite out of your bank account, but if you use your credit cards wisely, you can score big rewards to help offset the cost and pay for the honeymoon ... (See Rewards)

What is a good credit score? -- What is a good credit score? That depends ... (See Good credit)

Delta SkyMiles members can earn up to 3X miles with Lyft -- Members of Delta’s SkyMiles loyalty program can now earn miles on every Lyft ride, thanks to a new partnership between the ridesharing company and Delta Airlines. ... (See Delta SkyMiles)

Court hears arguments on CFPB constitutionality -- The D.C. Circuit Court of Appeals hearing Wednesday sets the stage for a decision that could reduce the independence and power of the federal consumer watchdog agency ... (See CFPB)

Rate survey: Average card APR falls to 15.77 percent -- May 24, 2017: The national average APR for new card offers dropped to a four-week low Wednesday, according to the Weekly Credit Card Rate Report. ... (See APRs)

Charged Up! podcast: Getting out of debt in style -- Getting out of debt can be arduous but there are ways to change your debt status without changing your lifestyle ... (See Podcast)

Credit card issuer complaints rose 20 percent in 2016 -- Complaints about credit cards rose by 20 percent in 2016, according to the Consumer Financial Protection Bureau, along with a surge of dissatisfaction with reward programs. American Express, Barclays PLC and Citibank topped the gripes list ... (See Card complaints)

5 tips for choosing the right hotel credit card -- Getting the most of these products starts with choosing the one that's best for you. ... (See Hotel)

FAQs & benefits on Citi Costco Anywhere Visa Card -- Costco switched card partner from American Express to Visa in June 2016. We answer the most-common reader questions about Citi's Costco Anywhere Visa card. ... (See Costco)

6 steps to take when a credit card holder dies -- The task of notifying issuers, closing accounts can easily be pushed aside ... (See Steps)

How to find a business's merchant category code -- If you're looking to maximize your category bonuses, it helps to know the MCC code for the businesses you shop at ... (See MCC)

Chase Sapphire cardholders can earn 100,000 points with a Chase mortgage -- Chase has launched a unique, new offer that allows Sapphire, Sapphire Preferred and Sapphire Reserve cardholders to receive 100,000 Ultimate Rewards points when they close a mortgage with Chase through Aug. 6, 2017. ... (See Chase Sapphire)

Cancel new card to minimize impact on score -- If you applied for a card offer received in the mail and shortly after you changed your mind, time is of the essence to close the account in order to avoid hurting your score. ... (See New card)

Can I use deceased brother's cards to pay for his funeral? -- Even as an authorized user, using cards of a deceased cardholder is fraud ... (See Fraud)

Suspect card fraud? How to file a claim -- What to do when you spot a suspicious charge on your credit or debit card ... (See Claim)

Cash advance survey 2017: Read fine print before seeking quick cash -- A review of 100 credit card cash advance policies found cash advance transactions can quickly consume an available credit line with fees, high interest charges, among other undesirable terms. ... (See Advance)

Household debt passes pre-recession peak, NY Fed finds -- U.S. household debt has surpassed its pre-recession peak for the first time, says new data from the New York Fed. Economists say milestone doesn't mean consumers are over-leveraged ... (See Debt)

Rate survey: Average card APR remains at 15.79 percent for second week -- May 17, 2017: The national average APR for new card offers remained near record highs Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rate report)

How to build up a thin credit profile for a future mortgage -- Lenders like to see you've handled a variety of credit products over a period of time ... (See Mortgage)

Charged Up! podcast: Unexpected tools for success -- Author and blogger Eric Barker shares some of the best research available on what really makes people successful and how you can achieve your full potential ... (See Podcast)

Credit card product news -- The latest on credit card launches, bonus offers and rewards program updates. ... (See Product news page)

5 questions to ask before making a big purchase for rewards -- If you're looking to score reward points by putting a major purchase on your card, make sure you ask these five questions first ... (See Rewards)

Credit cards compete to make you feel like a VIP -- Travel credits, luxurious perks and unique materials aim to turn your and others' heads ... (See VIP)

About the news division -- Though our site is supported by advertising dollars, our editorial department is separate from our company’s business operations. ... (See About the news division)

What is a service charge, and when is it too high? -- You may find it frustrating to pay for a meal or product with a credit card and find a service charge tacked on, simply because you used a card. Find out how much businesses are allowed to charge and how you can fight back ... (See Service charge)

7 rules for using credit cards to finance a dream -- Founding a business, getting an education or even a once-in-a-lifetime experience could be reasons to take a risk ... (See Dream)

Citi launches limited-time 60K offer for AAdvantage Platinum Select World cards -- Citi has relaunched its 60,000-mile sign-up bonus offer for the Citi/AAdvantage Platinum Select World Elite Mastercard and the CitiBusiness/AAdvantage Platinum Select World Mastercard for a limited time. This offer is no longer available through our site. ... (See Citi AAdvantage)

Planning to buy a house soon? Keep unused cards open -- Don't let the issuer close it, especially if you are planning to make significant purchases in the near future. ... (See House)

Video: 5 tips before buying a house -- If you're looking to buy a new house, be sure to follow these five tips to ensure your credit stays safe and you maximize potential card rewards ... (See House)

Should I liquidate my 401(k) to pay my husband's back taxes? -- He owes the IRS and wants his wife to cash in her retirement plans to pay the debt ... (See IRS)

Poll: Credit card fraud alerts surge, false alarms still common -- Consumers report a 15 percent increase in contacts from banks about credit, debit card fraud ... (See Fraud)

Prepaid card regulations survive GOP repeal effort in Congress -- Prepaid cards will get protections from surprise fees and other problems, as an Obama-era regulation survives Republican repeal attempt. ... (See Prepaid)

Bad credit? Avoid credit checks with prepaid cellphone plans -- Major carriers offer plans that allow you to bypass a dreaded credit check ... (See Credit checks)

Loan can boost score faster than balance transfer deal -- If you have several cards with high credit utilization ratio and want to lower borrowing costs while raising your credit score, a personal consolidation loan can be a better option than a balance transfer. ... (See Loan)

Rate survey: Average card APR dips to 15.79 percent -- Rate report template ... (See Rates)

Charged Up! podcast: How to write a financial plan -- In her book "If You Love Your Family, Save Like It," Nicole Peterkin talks about the biggest mistake people make when it comes to planning for their financial futures. In this episode she shares how to create a financial plan that protects your family ... (See Podcast)

How to minimize credit utilization while maximizing rewards -- Multiple payments over a billing period can combat high utilization ... (See Credit)

8 ways to save on wedding costs, avoid debt -- Some frugal, chic strategies to save money on your nuptials and avoid relying on credit cards ... (See Wedding)

Can I get better rewards without opening a new card? -- If you're looking to up your rewards intake but don't want to open a new card, you may be out of luck unless your bank will work out a deal ... (See Rewards)

7 times when bankruptcy can make sense -- Common scenarios when bankruptcy should be seriously considered ... (See Bankruptcy)

Alaska Airlines Visa Signature launches limited-time, companion-fare offer -- Alaska Airlines has launched a limited-time offer for its Visa Signature card that allows cardholders to earn a companion ticket at practically no add ... (See Alaska Airlines)

Can a medical facility put a hold on your card? -- If you need medical attention and the facility wants you to sign a consent form that they can charge your card for whatever services you get, are you obligated to sign it to get the treatment? ... (See Medical)

Fed: banks ease grip modestly on cards in first quarter of 2017 -- Banks eased credit standards somewhat for credit card applicants in the first quarter, according to the survey of senior loan officers ... (See Fed)

Fed: Card balances rose $1.9 billion in March -- Credit card balances continued to flirt with the $1 trillion mark in March, according to the Federal Reserve ... (See Consumer debt)

Infographic: Card market continues climb but subprime still in hole -- Americans now have more cards open than at the end of 2008 ... (See Card market)

6 steps to make amends for financial misdeeds -- How to craft an apology and repayment plan that works ... (See Amends)

Rewards cards draw a surge of complaints to CFPB -- Complaints about credit card rewards jumped 88 percent last year to the Consumer Financial Protection Bureau ... (See Rewards)

Is credit card paid off 10 years ago lowering my score? -- An old card that was paid off on time contributes positively to your credit score. Instead of trying to delete it from your report, consider reactivating and using it to maximize its scoring benefits ... (See Q&A)

Rate survey: Average card APR spikes to all-time high of 15.80 percent -- May 3, 2017: The national average APR for new credit card offers busted another record this week, rising to an all-time high, according to the Weekly Credit Card Rate Report. ... (See APRs)

Charged Up! podcast: How to finance world travel -- Cassie De Pecol was 27 when she traveled alone to all 198 countries in the world and made it to the Guinness Book of World Records. She now shares her tips on how to finance your own expedition ... (See Podcast)

The new card skimming is called 'shimming' -- Shimming is the new way scammers are stealing your data from your EMV chip cards. Shimmers are hard to identify, but remain rare ... (See Shimmers)

I opened a credit card using my boyfriend's info. Did I commit fraud? -- Even if you got permission to open the card, you still broke the law, and the other person is an accomplice ... (See Fraud)

Q&A: How to transfer AmEx points between airlines -- With a bit of work, you can use American Express Membership Rewards points to fly on all three of the biggest U.S. airlines ... (See Transfer)

Can you be charged for unwittingly committing card fraud? -- There are many ways to get into legal trouble with credit cards without intending to break the law. ... (See Fraud)

U.S. Bank launches Altitude Reserve Visa Infinite card with 50K sign-up bonus -- The new U.S. Bank Altitude Reserve Visa Infinite card offers precisely what you would expect from a luxury credit card – a generous sign-up bonus and lavish rewards program, along with a hefty annual fee. ... (See Altitude)

Can you use points earned from a business card? -- If you have a credit card to buy items for your place of employment, you aren't necessarily allowed to use the points accumulated on different websites from the purchases ... (See Rewards)

How to know when to stage a credit intervention -- When someone close to you is making one destructive financial decision after another, it may be time to step in ... (See Intervention)

Authorized user not liable for ex's card balance -- Legally, an authorized user is just a guest and not liable for balances ... (See Liability)

Video: Cruising with card points -- Cruising the blue waters of the Caribbean, soaking in the sun ... for free? Yes, you can. By using certain travel credit cards you can sail the blue seas at little or no cost ... (See Video: Pay for cruise with points)

How couples can recover from financial infidelity -- Healing the relationship takes time, effort and care – and sometimes the help of a professional ... (See Infidelity)

CFPB sues tribal lenders, seeks refunds for customers -- The Consumer Financial Protection Bureau has filed a lawsuit against four high-cost lenders owned by a California tribe, saying violations make the loans void ... (See Tribal lenders)

Wells Fargo boosts the sign-up bonus for the Cash Wise Visa to $200 -- Wells Fargo has upped the sign-up bonus for the Cash Wise Visa card from $150 to $200. To earn the cash rewards bonus, a cardholder must make $1,000 in purchases in the first three months of opening his or her account. ... (See Cash back)

Average card APR climbs to record high of 15.74 percent: Weekly Credit Card Rate Report -- April 26, 2017: The national average APR for new credit card offers rose to another all-time high this week, according to the Weekly Credit Card Rate Report ... (See APRs)

Charged Up! podcast: Credit 101 -- Find out from a credit expert what matters most in your credit report, when your credit score matters the most, what can hurt and what can help you, and everything in between in this credit 101 episode of Charged Up ... (See Podcast)

Can I apply for a credit card before I start my first job? -- With a solid job offer post-graduation, it's time to fill out that application ... (See Job)

Sweeping deregulation plan targets consumer protection agency -- A hearing in Congress showcased the Financial CHOICE Act, with proposals to strip the major powers of the Consumer Financial Protection Bureau ... (See CFPB)

Will JetBlue waive baggage fees for noncardholders? -- With a JetBlue Barclaycard your baggage fees and that for three companions are waived, but if you pay for the tickets and don't make the trip yourself, those perks may not apply ... (See Rewards)

5 ways 'credit invisibles' can build a credit profile -- No credit profile? With a few steps, create or rebuild a credit history ... (See Invisibles)

What's a fair card arrangement in a business partnership? -- In a business partnership, a fair credit card arrangement could mean both partners assume risk and reap the rewards. If one is still a student, the arrangement may have to change. ... (See Partnership)

Can you count on your credit card travel insurance? -- Your trip may be ruined, but your credit card could help you get your money back ... (See Travel)

Side gig can be best debt-payoff option -- Taking on a part-time job to pay down thousands of dollars in credit card debt is smart; make the best of it by carefully considering your payment options. ... (See Side gig)

Refunds can be trickier with ride-sharing, vacation rentals -- Unhappy with Uber or Airbnb service? Check the fine print for refunds ... (See Refund)

Chase and British Airways boost sign-up bonus to 100K Avios -- Chase has relaunched its 100,000 bonus Avios offer for the British Airways Visa Signature card – an increase of 25,000 Avios over the previous offer. ... (See British Airways)

Will removal of civil judgments boost my credit score? -- Thanks to new credit reporting practices starting July 1st. many civil judgments and tax liens will be removed from credit scores, but that alone might not increase your score automatically. ... (See Score)

Poll: 2 in 5 Americans lose sleep over health care costs -- Americans lose sleep over health care more than any other money worry, according to a new poll ... (See Worries)

Rate survey: Average card APR remains at 15.72% for second week -- The average APR for new card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

Charged Up! podcast: You are a badass at making money -- Find out from success coach and best-selling author Jen Sincero how to get your mind in the right place to start making money and achieving your potential ... (See Podcast)

How to detect card fraud, identity theft -- Thoroughly reading through a current credit report is your first step ... (See Fraud)

Google releases Android Pay for mobile banking apps -- If you are currently a customer of Bank of America, Bank of New Zealand, Discover, mBank or USAA, you can now access Android Pay through your mobile banking app. ... (See Android Pay)

Debt buyers may get exemption from collection rules -- The U.S. Supreme Court heard arguments Tuesday on whether companies that buy debt should be exempt from consumer protections that apply to debt collectors ... (See Debt)

Can I get bonus points on my condo rental stay? -- If you have a credit card that gives bonus points for travel expenses, make sure nontraditional accommodations count for the bonus before counting on more points ... (See Rewards)

Keep your personal credit separate from your job -- Startups and small businesses often operate on small budgets and if your boss asks you to take out a card for business expenses, think twice before entangling your personal credit with theirs ... (See Authorized user)

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)

Use 0-percent promotions to create an emergency savings account -- Don't rush to pay off card debt that won't incur interest for a while; make calculated monthly payments and use your cash to give your financial health a boost instead. ... (See Saving)

How to boost low score to qualify for a mortgage -- One option is to be added as an authorized user on a family member's card ... (See Mortgage)

Best credit-building strategies after graduating college -- There are many ways to build your credit, whether you're working full time, freelancing or traveling ... (See College)

Startups use tech to put cardholders in charge of security -- With data beaches on the rise, startup companies are developing new options that help consumers minimize their exposure to a possible hack. ... (See Security)

How and when to pay new cards to boost credit score -- Rather than close an unwanted new card, keep it open and pay it early to preserve credit score ... (See Score)

New Capital One card offers 3 percent cash back on dining -- Capital One has launched a new Premier Dining Rewards credit card that lets card members earn unlimited cash back rewards on food purchases. ... (See Capital One)

Rate survey: Average card APR climbs to 15.72 percent -- April 12, 2017: The national average APR on new card offers inched up again this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

Charged Up! podcast: Get the 411 on your 401(k) -- The 401(k) is an important part of a secure retirement and understanding how much you pay in fees, how to get in the game if you're self-employed and what to contribute can build great wealth for life's later years ... (See 401(k))

Why card theft victims can't view store security tapes -- Police fear letting you view them would lead to vigilantism ... (See Theft)

Food trucks leaving cash in the dust -- More restaurants and food trucks are going cashless, so don't forget your credit card if you're heading out for a bite to eat ... (See Payments)

Using reward cards for concert tickets -- You reward card may come with more than just cash back or points for travel; you can also score early access to tickets for major concerts ... (See Rewards)

Consumer debts rise, but fears of missing payments fall -- Fears of missing a debt payment are down substantially in a Federal Reserve Bank of New York survey, even as debt loads are grow and interest rates rise ... (See Survey)

Young consumers most cautious about online payments -- A survey shows that showing that young consumers are the most cautious when paying for their purchases ... (See Cautious)

Balance transfers from personal to business cards -- Small-business owners should use a business credit card for all business expenses and can transfer a balance from a personal card to a business card to build credit, get perks ... (See Balance transfer)

Poll: Charging cheap items is cool with cardholders -- We pay by credit cards for most big buys, and more small ones than ever ... (See Small purchases)

How far can I go over my credit limit before my card gets declined? -- There's no magic formula to guess when a transaction on a maxed-out card will go through, but if it does, it may impact credit limit, monthly minimum payments and/or even credit score ... (See Maxed out)

Looking for love in all the subprime places -- Don't swipe left on bad credit; low scores don't always mean financial irresponsibility ... (See Love score)

How residual interest can keep you from a $0 balance -- You thought you paid off your card, until the next statement shows you didn't ... (See Residual interest)

Fed makes it official: Card balances reach $1 trillion -- Credit card balances have surpassed $1 trillion, according to the Federal Reserve ... (See Debt )

Should I pay old card balance on a 1099-C I just received? -- Paying an old debt after receiving a 1099-C (Cancellation of debt) could have more cons than pros; simply reporting the debt and paying its tax might be the wisest option ... (See 1099-C)

What’s the minimum age to be an authorized user? -- You can boost a child's credit by adding them as an authorized user, but cards' policies vary widely on how old the child must be ... (See Age)

Rate survey: Average card APR jumps again to record 15.71 percent -- April 5, 2017: The national average APR on new card offers climbed to another all time high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Best way to raise credit score on a $500 limit card -- There are three options to boost score with a low-limit card ... (See Credit score)

Complaints about debt-protection plans remain high -- Surprise fees and no-show benefits still plague users of insurance-like programs designed to make payments when you can't ... (See Fees)

American Express Platinum card amps up sign-up bonus to 60K points -- American Express has upped the ante for the Platinum Card from American Express by increasing its sign-up bonus to 60,000 Membership Rewards points. ... (See American Express Platinum 60k sign-up bonus)

Charged Up! podcast: Get a financial life -- Find out the fundamentals of personal finance to save money on taxes, save for retirement and buy the right kind of house for your budget ... (See Podcast)

Can you transfer loyalty points between card issuers? -- There are ways to transfer points to airlines, hotels, but not between issuers ... (See Points)

'Financial Life' author Beth Kobliner on millennials' money needs -- Millennials have different priorities than their parents, and author Beth Kobliner, explains why. ... (See Q&A)

How to qualify for credit as a small-business owner -- As a small-business owner, slow down growth until you have a greater cash flow to build your credit ... (See Credit )

Corporate cards go virtual, offering added security -- Virtual corporate cards allow companies to generate a card number, unique CVV code and expiration date. And they’re expected to be used to spend billions in 2017 ... (See Virtual cards)

Chase announces 100,000-point bonus for Marriott Rewards Premier Card -- Chase recently announced a 100,000-point sign-up bonus for its Marriott Rewards Premier card. ... (See Chase announces 100,000-point bonus for Marriott Rewards Premier Card)

Don't let a card's annual fee take you by surprise -- When a card's annual fee comes due, you have choices ... (See Fees)

Which banks let you personalize your credit card? -- If you've ever wanted to take you favorite pet with you in the in the grocery store or to a fancy restaurant, consider plastering their likeness on a credit card ... (See Personalize)

Supreme Court inflicts blow on credit card surcharge ban -- State laws that block merchants from slapping surcharges on credit card users were dealt a blow by ruling that they affect free speech rights ... (See Ban)

Rate survey: Average card APR climbs to record high of 15.63 percent -- March 29, 2017: The national average APR on new card offers inched closer to 16 percent this week, reaching a record high of 15.63 percent, according to the Weekly Credit Card Rate Report. ... (See Rates)

Charged Up! podcast: The philosophy of life planning -- What are the three most important questions you need to answer before making a life or a financial plan? The 'father of life planning' George Kinder tells you ... (See Planning)

Repairing credit damage incurred as a young adult -- An old unpaid credit card bill can drag your scores down for years ... (See Damage)

Video: Master your bucket list with points -- If your bucket list has items like travel and getting in shape, you may be able to use your credit card rewards points to do it on the cheap ... (See Points)

To get best frequent flyer card, know your hubs -- Before you sign up for a card just because of the bonus, be sure it's an airline that you can often and easily ... (See Airline hubs)

Artificial intelligence shines new light on ‘credit invisibles’ -- Credit scorers are using artificial intelligence to analyze alternative consumer data, but some in the industry are wary ... (See AI)

Amex Hilton Honors cards offer 80,000-100,000 bonus points -- The Hilton Honors and Hilton Honors Surpass cards are offering limited-time sign-up bonuses of 80,000 and 100,000 points. ... (See Amex Hilton Honors cards offer 80,000-100,000 bonus points)

Poll: You can get better credit card terms just by asking -- If you want better credit card terms, the best thing to do is call your card company and ask, a new survey shows ... (See Poll)

Can an employer pay salary through a payroll card? -- Receiving salary through a payroll card could help initiate a banking relationship, but if you already have a checking or savings account, direct deposit might offer better perks. ... (See Payroll card)

Stopping thief who's opening cards in deceased mother's name -- The first step is to file a police report. Then contact the credit bureaus. ... (See Theft)

Debt consolidation: 4 options to streamline debt repayment -- Juggling payments to a slew of creditors? It may be time to get some relief. ... (See Debt)

Experian fined $3 million for deceptive credit score marketing -- Experian falsely led people to believe they were buying credit scores actually used by lenders, consumer protection bureau charges ... (See Fine)

Deed in lieu: How it lowers your credit score, and what to do about it -- If keeping up with your mortgage becomes impossible, a deed in lieu might be a better option than foreclosure. But it still comes with risks and a ding to your credit score ... (See Deed in lieu)

When an authorized user goes rogue: What to do -- You added a guest to your card. It backfired. What now? ... (See Rogue)

Average card APR rises to all-time high of 15.59 percent: Weekly Credit Card Rate Report -- March 22, 2017: The national average APR on new credit card offers climbed to another all-time high this week, reaching 15.59 percent, according to the Weekly Credit Card Rate Report ... (See APRs)

How to clear fraudulent card accounts from credit reports -- When a family member opens cards in your name, you need to file a police report ... (See Fraud)

Charged Up! podcast: Be the boss of your career -- Bestselling author, TV presenter and star of The CW network's business reality show "Hatched," Nicole Lapin dishes on how to build a brand and take charge of your career ... (See Podcast)

'The Aisles Have Eyes' author talks privacy and data in shopping -- Author Joseph Turow discusses coupons, data collection and privacy in the personalization of the shopping experience ... (See Data)

Q&A: Understanding airline card boarding policies -- Despite new boarding group numbers, you do have priority status. ... (See Airlines)

Applications dip, credit market shows signs of cooling off -- The market for consumer loans, including credit cards, pulled back in a February survey of consumers ... (See Market)

The best business credit card for fair credit -- If you're starting a new business and need a business card but past credit problems leave you with only fair credit, what are your options ... (See Business card)

Online and mobile banking statistics -- Bank branches aren't a thing of the past yet, but that could be the way they're headed now that consumers can deposit checks, check balances and even open accounts via computer or smartphone ... (See Online, mobile banking statistics)

Zero to 750: What’s the fastest way to raise your credit score? -- It takes time to build excellent credit, but a few methods can help raise your credit score fast ... (See 750)

Q&A: With multiple credit checks, timing is key -- A series of inquiries can affect your score, depending on when they're made ... (See Inquiries)

How tax liens affect your credit score -- Credit bureaus will scrub some unpaid tax debts, court judgments from reports, but those that remain will still sting ... (See Tax lien)

APRs on the rise as Fed steps up rate hikes -- Credit card users will pay higher rates on existing balances as the Federal Reserve votes to hike a key rate -- and predicts more to come ... (See Rates)

Average card APR remains at 15.51 percent for second week: Weekly Credit Card Rate Report -- March 15, 2017: The national average APR on new card offers stayed put this week, according to the Weekly Credit Card Rate Report ... (See APRs)

3 ways to boost score with first low-limit card -- With a short credit history, you need to offset high utilization of a low-limit card ... (See Card)

Cash back cards become more generous with rewards -- Cardholders prefer cash back rewards over points so card issuers are offering bigger incentives to sign up and cash out every month ... (See Cash back)

Digital wallets: Merchants to pave the way for consumer acceptance -- Despite security concerns, more Americans are willing to use digital wallets, if merchants oblige ... (See Digital wallets)

Charged Up! podcast with 'Unshakeable' author Tony Robbins -- No. 1 New York Times best-selling author Tony Robbins discusses the tenets to smart investing from his new book "Unshakeable" ... (See Podcast)

Q&A with Tony Robbins on becoming "Unshakeable" -- Learn from the country's top life and business strategist on the keys to building wealth when it comes to investing and how to find financial security ... (See Investing)

Help, I'm an unauthorized authorized user -- No one has a right to make you an authorized user on their card, since it can badly damage your credit ... (See Unauthorized)

What millennials can teach us about credit -- They're debt-averse initially, but savvy about their credit in later years. ... (See Millennials)

How to file 1099-C on behalf of a deceased spouse -- The tax fallout from a 1099-C may not be as bad as you think ... (See 1099-C)

Buying a car? Don't fall for the Patriot Act credit check scam -- Shady car dealers invoke anti-terror law, run unnecessary credit checks to sell you on dealer financing ... (See Scam)

Refusing to pay bills on principle has consequences -- You disagreed with the bill. You didn't pay. The bill's still there ... (See Bill)

United Debt Counselors to refund some fees -- Federal Trade Commission says Texas debt settlement company blasted out deceptive mail to 100,000 credit card users per week ... (See Refund)

Rate survey: Average card APR climbs to record high of 15.51 percent -- March 8, 2017: The national average APR on new card offers inched up this week, rising to an all-time high, according to the Weekly Credit Card Rate Report ... (See APRs)

How to improve credit while wages are garnished -- Two options: Pay garnishment off early and pay all other debts on time ... (See Garnish)

Charged Up! podcast: Lessons from a legend -- Robert Kiyosaki become a personal finance superstar with his breakthrough book "Rich Dad, Poor Dad." Now, he talks about how the rich are getting richer and we're not ... (See Lessons)

New Ally Bank app lets customers control charges using their smartphones -- Ally Bank has introduced a new service that allows customers to instantly make changes to their debit card accounts using their smartphones. ... (See Ally Bank)

Fed: Card balances fell $3.8 billion in January -- Credit card balances fell in January, according to the Federal Reserve ... (See Debt )

Can you get the cheapest airline seats with reward points? -- As airlines make their seat pricing evermore complex, reward points holders should know where they can score the cheapest seats with their points ... (See Miles)

Chip card delay at gas pumps extends skimming fraud -- Lack of EMV technology means pumps easily compromised by crooks ... (See Skimming)

Business credit card can damage your personal score -- If you have authorized use of a business credit card, it could show up on your credit score and if the company uses up a lot of the card's limit, this could negatively affect your score ... (See Business card)

What happens when you go over your credit limit? -- Credit card issuers can't charge over-limit fees without your permission ... (See Over-limit)

Citi ThankYou members earn 50 percent more TrueBlue points for travel season -- Citi has unveiled a limited-time offer that allows card members to receive a 50 percent bonus when transferring ThankYou points to JetBlue. ... (See Citi ThankYou rewards)

Know closing date to maximize your interest-free grace period -- Do you hate paying credit card interest? Know your card account's closing date ... (See Grace)

How to minimize the cost of a cash advance -- Cash advances can be costly, but if you take care and pay them quickly, they can be an affordable choice for emergency cash ... (See Cash)

CFPB reports credit reporting industry doing better -- The CFPB has made strides to protect consumers from credit report mix-ups, but it may not live to finish the job ... (See CFPB)

A two-step plan for building young credit -- Keeping balances low and adding new credit strategically can help build up young credit ... (See Young credit)

American Express Platinum card makeover adds $200 Uber credits -- American Express has announced several exciting new features for Platinum card members, slated to launch March 30, 2017. ... (See AmEx)

Poll: Few aware of embattled consumer watchdog -- Consumers would probably miss the federal watchdog agency if Republicans close or disarm it, but only 17 percent are aware of it ... (See CFPB poll)

Survey: Average card APR sits tight at record 15.50 percent -- March 1, 2017: The national average APR on new card offers stayed at a record high this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Adding incarcerated brother-in-law to card can rebuild credit -- Authorized user status is a quick, easy way to jump-start a credit profile ... (See Prison)

Charged Up! podcast: thriving on a single income -- If you're a single parent or trying to support a family on a single income, there are ways to not just survive, but thrive. Emma Johnson shows us how ... (See Podcast)

Infographic: Debit, credit cards still killing off checks -- The Fed’s 2015 shows checks account for only 12 percent of U.S. noncash transactions compared to 16 percent in 2012 ... (See Cash and checks)

5 questions to ask before applying for a rewards card -- Rewards cards can be tempting, but before signing up and dinging your credit, know the right questions to ask yourself ... (See Rewards)

Card fraud and opioid addiction: crimes that go together -- The bond between drug addiction and credit card crime is tragically interwoven ... (See Opioids)

Can you recoup expenses for unused services? -- Business owners confront a lot of monthly expenses, which may make it easy to miss payments you're making for services you don't use ... (See Recoup)

Can paying off your mortgage hurt your credit score? -- Paying off your mortgage shouldn't hurt your credit score, but results may vary based on other credit factors ... (See Mortgage)

Can I lose my house over credit card debt? -- Probably not, but ignoring debt will just make things worse ... (See Lose house)

Voice assistants begin to answer credit questions -- Voice assistants step into personal finance, answering questions about special deals and what you spent on your trip to Chicago. They can even pay your balance ... (See Voice)

New PenFed card offers up to 2 percent cash back on every purchase -- With the introduction of the PenFed Power Cash Rewards Visa Signature card, PenFed aims to combine the benefits that a rewards credit card carries with the low fees and simplicity that a credit union often brings. ... (See PenFed)

Tips for getting a big score boost when paying maxed-out cards -- Paying down cards always helps, but doing it strategically helps more ... (See Score)

Video: What is -- saves you the hassle of applying for cards that end up not being right for you. Learn how to use our card comparison tool to make the right decisions ... (See Credit)

'Rich Bitch' author Nicole Lapin shakes up traditional financial advice -- In her "Rich Bitch" and "Boss Bitch" books, Nicole Lapin discusses her own financial faults and how women can get ahead financially ... (See Advice)

Blue Cash Everyday and Preferred cards offer 10 percent back at restaurants -- Starting Feb. 23, 2017, new Blue Cash Everyday and Blue Cash Preferred cardholders who apply for either card by May 3, 2017 will earn 10 percent cash back on purchases made at U.S. restaurants in the first six months, up to $200 back. ... (See American Express)

Survey: Average card APR remains at record 15.50 percent -- Feb. 22, 2017: The national average APR on new card offers remained fixed at an all-time high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Tax refund delayed? It’s best to wait -- Many taxpayers will receive their refunds later than usual this year. How can you fill the void? And should you? ... (See Refund)

Get annual fee waived on unwanted new card -- If you never used the card, the issuer should waive any fees when you call to cancel ... (See Cancel)

Charged Up! podcast: The art of stretching -- Find out how some of the most successful people and businesses are masters at doing more with less ... (See Stretch)

Limits to using airline miles -- If you signed up for a credit card for the big airline mile bonus, you may be shocked at how much you still have to pay to fly ... (See Airline miles)

Do zero liability rules apply to corporate cards? -- Business owners who issue corporate cards may not enjoy the luxury of zero liability rules, which protects them against fraud. ... (See Zero)

Infographic: The growing ways we e-pay -- More and more Americans are discovering how handy e-payments can be ... (See E-payments grow)

Pay off credit card debt with tax refund? 5 questions -- Question No. 1: Do you have an emergency fund? ... (See Tax refund)

Why APR keeps rising on closed card with a balance -- Closed card's APR still rises when the Fed raises rates ... (See APR)

Congress may repeal CFPB prepaid card rule -- Consumer protections that have been on the drawing board for years are endangered by tide of deregulation in Washington ... (See CFPB)

Charged Up! podcast: The index card that went viral -- Harold Pollack's index card with "everything you need to know about personal finance" tips became an internet sensation. Find out how to implement those tips now ... (See Tips)

How lowering your card limit hurts your credit score -- You shut down some of your available credit, hurting a key scoring ratio ... (See Lower limit)

Infographic: Identity fraud victims at record high -- A report has found that the number of U.S. identity fraud victims increased 17.6 percent, from 13.1 million Americans in 2015 to 15.4 million in 2016 ... (See ID theft report)

Poll: Cardholders love rewards but many don’t shop around -- Cardholders love rewards, but many of them don't shop around for new card offers, according to a new poll ... (See Poll)

Survey: Average card APR climbs to record high of 15.50% -- Feb. 15, 2017: The national average APR on new card offers climbed to another record high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Tax fraud crackdown to delay early filers' refunds -- The tax fraud crackdown has halved identity theft cases in the past year, but a new law to further fight fraud means refunds won't start flowing until after Feb. 15 this year. ... (See Tax fraud)

Consolidation loan vs. balance transfer vs. DIY payment plan -- Comparison shop and run the numbers to get the best debt payoff plan ... (See Pay off)

Boost rewards with airlines' dining programs -- Join, register a card, dine at selected restaurants, earn extra points ... (See Dining)

Charged Up! podcast: Love and Money -- Finances play a big role in the success and failures of relationships. Find out what five questions you need to ask your partner now ... (See Podcast)

New Cathay Pacific Visa Signature card offers 25K sign-up bonus -- Cathay Pacific Airlines and Synchrony Bank have teamed up to release a credit card geared toward U.S. travelers. ... (See Cathay Pacific)

What to do if you're charged for something you didn't order -- What you can do if you receive merchandise you didn't order and the merchant refuses to make a refund ... (See Refund)

In-car payments: A wallet that's truly mobile -- Mobile wallets are coming to car dashboards. Is shopping while driving worth the risk? ... (See In-car payments)

Online dating scams: How to protect your heart and wallet -- Romance scammers might persuade you to drain you bank accounts, max out your credit cards – all to send them the cash. ... (See Romance scams)

Barclaycard Ring offers 0 percent intro APR for 15 months -- Barclaycard has launched a new 0 percent introductory offer for the Barclaycard Ring Platinum Mastercard. ... (See Barclaycard)

Charged Up! podcast: Retiring with enough money -- Professor, author and speaker Teresa Ghilarducci explains what you need to save now, starting at any age ... (See Retire)

'Pay for delete' debt settlement comes out of the shadows -- Big debt collection company makes a consumer-friendly credit reporting practice official policy ... (See Pay for delete)

Rate survey: Average card APR holds steady at record 15.44% -- Feb. 8, 2017: The national average APR on new credit card offers remained at a record high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Percentage of credit cards with balances rises -- 'Revolvers' increase to a 4-year high ... (See Revolvers)

Emancipated minor repeatedly rejected for credit card -- Issuers tend to stick to age restrictions for entering into legal contracts ... (See Minors)

Financial infidelity: 12 million Americans admit to hidden account -- Keeping a hidden bank account or credit card is a risky move with potentially explosive consequences, experts say. Yet millions do ... (See Financial infidelity)

Fed: Card balances up $2.4 billion in December -- Credit card balances rolled on toward $1 trillion in December, according to a report by the Federal Reserve ... (See Debt)

In which categories can I get bonus points? -- Find out how to maximize your rewards by figuring out which category of purchases earns you the most ... (See Bonus points)

Video: 4 ways to finance an engagement ring -- Before spending a huge amount of money on a ring, be sure you are making the best financial choice ... (See Finance a ring)

Banks expect credit card troubles to mount in 2017 -- Fed's quarterly survey of loan officers finds pullbacks, concern over debt, delinquency ... (See Survey)

Tax refund delays spark refund anticipation loan comeback -- Those tempted to grab quick-cash options should watch for fees ... (See Refund loans)

Which business credit card is best? -- If you don't own a business but pay for a lot of business expenses, you may consider getting a business credit card. ... (See Business)

Earn 40,000 bonus miles and a $100 credit with the Chase United MileagePlus Explorer card -- If you’re a fan of United Airlines and looking for an easy way to earn an influx of bonus miles, the Chase United MileagePlus Explorer card is a great option. ... (See Chase United)

Credit counselors don't report you to credit bureaus -- The agencies' debt management plans are credit-score neutral ... (See Report)

Study: Card fraud shifts online -- Consumers need to change their defenses, too ... (See Fraud)

Charged Up! podcast: Dealing with debt -- columnist and CPA Sally Herigstad discusses what options you have when you're in a debt crisis ... (See Debt)

How does a balance transfer affect your credit score? -- A balance transfer is a great way to eliminate short-term debt, but it can have an impact on your credit score ... (See Score)

Got great credit? Cancel that unwanted store card -- With a score in the 800s, it's safe to cancel a card you never wanted in the first place ... (See Credit)

Beacons expanding beyond big retailers, restaurants -- Geolocation technology sends coupons and info to people in shops, hotels and even waiting for a bus ... (See Beacons)

Canceling new card won't restore credit score -- The damage is already done, canceling won't undo it ... (See Cancel)

CFPB levies $13 million in penalties for RushCard outage -- UniRush LLC and Mastercard failures in botched system conversion amount to breach of consumer protection law, agency charges ... (See RushCard)

Survey: Average card APR jumps to all-time high of 15.44% -- February 1, 2017: Rate survey: Average card APR jumps to all-time high of 15.44 percent. ... (See Rates)

How to help kids build credit before age 18 -- Adding a child as an authorized user to a parent's card is easy to do ... (See Build)

Who can furnish payment info to credit bureaus? -- Behind on repaying a loan from a friend or family member? They can’t report you to a credit bureau. ... (See Furnish)

Sears’ new Shop Your Way card includes 5 percent gas bonus -- Citi and Sears have announced the launch of the Sears Mastercard with Shop Your Way. The new card includes an expansion of Sears’ “5-3-2-1” rewards offer, which they ran temporarily over the holidays. ... (See Sears Mastercard)

Does my card cover rental insurance abroad? -- Credit cards often come with more perks than just points. Before traveling, know how your card can save you money ... (See Insurance)

Infographic: Plastic finally overtakes cash -- Money spent on debit and credit cards around the world totaled more than the money paid in cash ... (See Cards overtake cash)

Charged Up! Podcast: Becoming financially literate -- Finance professor and financial expert Arshad Ahmad tells us how to become financially literate and what you need to be able to do to have financial security ... (See Podcast)

Charging customers who don't show up -- Can a business owner who takes down credit card information for a reservation have the right to charge the card in case of a no-show ... (See Business)

Citi Sound Vault gives access to exclusive music experiences -- Citi, in partnership with Live Nation, has unveiled a live music platform, dubbed “Citi Sound Vault.” ... (See Citi Sound Vault)

2017 Balance Transfer Survey: Act now before 0% deals dry up -- Balance transfer offers have held steady over the past two years, but issuers may get less generous as interest rates rise ... (See Survey)

Can a card issuer charge interest on late fees? -- Yes: Forgetting to pay a bill can leave you paying interest on top of fees ... (See Interest on fees)

Citi Mobile App adds streamlined card activation to growing list of new features -- Citi customers can now activate a new credit card simply by taking a photo of it. A new feature, which launched today, allows card members to activate a Citibank card in-app by using the camera from his or her mobile device to scan the card number. ... (See Citi Mobile app)

Charged Up! Podcast: Answers to your debt questions -- senior industry analyst, Matt Schulz, sits down to answer questions about debt that you've asked ... (See Podcast)

Poll: 9 out of 10 millennials admit to impulse buys -- Among all Americans, 84 percent say they’ve shopped impulsively. The poll also reveals a dramatic surge in online impulse buys, as well as gender, political and regional differences ... (See Impulsive)

Average card APR remains at record high of 15.42 percent: Weekly Credit Card Rate Report -- Jan. 25, 2017: The national average APR on new card offers remained at a record high this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Resolution keepers: 5 who transformed their financial lives -- Five success stories of those who stuck to their financial goals ... (See Goals)

The risks of canceling a new store card -- Talked into a new card and having second thoughts? Here's what you need to know ... (See Card)

Target Pay is coming soon -- Target has announced plans to launch a mobile payment service later this year. The new feature will allow customers to purchase items in Target stores using their mobile phones. ... (See Target Pay)

Podcast: Charged Up! with Jenny Hoff -- Charged Up! with Jenny Hoff is a personal finance podcast where we talk to experts and answer your questions about credit, debt, small business and more ... (See Charged Up! podcast)

Charged Up! podcast: Keeping financial resolutions -- CFP Hilary Hendershott's tools for successful budgeting ... (See Podcast)

Redeeming rewards as a statement credit: Many cards allow it -- Find out if your credit card rewards program will allow you to allocate your points toward your balance ... (See Statement credit)

Video: What is a balance transfer credit card? -- Find out how a balance transfer card works and how you can avoid paying interest for a year or more while paying down debt ... (See Transfer)

Mastercard ramps up exclusive privileges for Affluent cardholders in Asia Pacific -- Mastercard announced that it will begin offering exclusive dining privileges for Platinum, World and World Elite cardholders in Asia Pacific. ... (See Mastercard)

CFPB provides worksheet to help cut card spending -- Reducing card use can be easier said than done. Worksheet from U.S. consumer bureau provides one simple blueprint ... (See Worksheet)

Chatbots will help you with your cards, banking -- Bots use artificial intelligence to answer questions. ... (See Chatbots)

Securely storing customer card data -- Business owners need to take down credit card information in a secure manner so that they don't make their customers' information vulnerable to theft and risk a fine themselves ... (See Security)

Sticking to the long, slow credit rebuilding process -- After bankruptcy, garnishment, find a plan that works for you ... (See Rebuild)

You loaned out a card, got stiffed? Go to small-claims court -- You still have the pay the bill, but can pursue a civil suit ... (See Bill)

Americans' credit card debt hits $1 trillion -- Our national credit card balance is hitting $1 trillion this month - the highest level since the Great Recession ... (See $1 trillion)

CFPB warning: incentives can harm consumers -- The U.S. Consumer Financial Protection Bureau issued a broad warning about sales incentives, possibly signalling a new enforcement priority ... (See Warning)

Mobile credit card application is safe -- and easier now -- There's less fraud risk with mobile than mailing your personal info, experts say ... (See Mobile)

Credit pulls hurt score, but only once -- Scoring formula consolidates multiple checks into one ... (See Credit pulls)

CFPB: Minn. bank tricked customers into costly overdraft fees -- Federal consumer watchdog charges TCF National Bank obscured fees and gave customers hard-sell to opt in for fees of $35 per overdraft ... (See Overdraft)

Survey: Average card APR climbs to record 15.42 percent -- Despite higher interest rates, consumers are adding to their card balances ... (See Rates)

6 free tools to stop recurring card charges -- Apps make it easier to spot and end payments for no-longer-wanted services ... (See Apps)

Cable service opened in daughter's name goes unpaid -- She gave her permission, but now may be stuck with the bill ... (See Bill)

Fifth Third Bank offers customers five mobile wallet options -- Fifth Third Bank customers can now make credit and debit card payments via Apple Pay, Samsung Pay, MasterPass, Android Pay and Microsoft Wallet. ... (See Mobile wallet)

Are reward points taxable or not? Yes. -- Reward points you get just for signing up for an account are taxable, but ordinary frequent flier miles are not ... (See Taxable?)

Reward possibilities soar with Starwood-Marriott merger -- If you have points with either of the big chains, you have some great opportunities to take advantage of the rewards ... (See Merger)

Citi members can now access nearly twice the number of free ATMs -- Citibank has partnered with Cardtronics, the world’s largest owner and operator of ATMs, to provide over 30,000 additional fee-free ATMs in major cities throughout the U.S. ... (See Fee-free ATMs)

How a business can fight fraudulent online orders -- If a business receives a fraudulent online order and ships the merchandise, is the company responsible for the cost? ... (See Fraud)

Rebuilt credit, sleep better -- Barely making it? Seek financial help ... (See Rebuild)

3 ways couples who live together can protect their finances -- Taking these three steps before moving in could help avoid a financial mess down the road ... (See Couples)

FICO’s Scott Zoldi: Card-not-present fraud a growing threat -- FICO analytics chief Scott Zoldi discusses the state of fraud protection amid the EMV shift and the use of trended data ... (See Fraud)

Survey: Debt collection problems widespread -- For the one-third of Americans who face collection attempts, threats, falsehoods and other abuses not unusual, survey finds ... (See Debt)

Your 6-months-with-no-payment credit score comeback plan -- Restoring your credit won't be quick or easy, but it can be done ... (See Plan)

Amazon’s new Visa Signature card gives Prime members 5 percent back -- If you are one of the 65 million people who currently pays $99 a year for Prime membership, Amazon wants to offer you the ability to earn more rewards on everything you buy at -- 5 percent back on purchases, to be exact. ... (See Amazon Prime)

Chase Reserve’s 100,000-point bonus offer coming to an end -- Today is the last day to take advantage of the Chase Sapphire Reserve's 100,000-point sign-up bonus, as Chase plans to slash the online offer in half Jan. 12. ... (See Chase Sapphire Reserve)

Survey: Average card APR stays at record high of 15.36 percent -- Jan. 11, 2017: The national average APR on new credit card offers remained at a record high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Multiple monthly card payments can boost credit scores -- Paying off what you charge can also keep debt from spiraling out of control ... (See Payments)

Poll: Americans more optimistic about getting out of debt -- Americans are gaining confidence about becoming debt-free during their lifetimes, according to a new national poll ... (See Debt-free)

Supreme Court considers credit card surcharges -- If New York's surcharge ban falls, other states could domino, bringing retailers a step closer to charging extra to use plastic ... (See Surcharges)

5 reasons not to put medical bills on credit cards -- A seemingly quick-fix solution could lead to more financial woes over time. ... (See Medical)

Using rewards miles to fly to Cuba -- While there are still restrictions on travel to Cuba, it has cracked open as a travel destination for Americans, and you can use rewards to get there ... (See Cuba travel)

'Digital nomads' have options for transactions abroad -- As more entrepreneurs start online companies, the freedom to live anywhere in enticing. But, it's important to know what services are available to keep transactions smooth ... (See Digital nomad)

Fed: Card balances surged by $11 billion in November -- Credit card balances continued to inch toward $1 trillion in November, according to the Federal Reserve's G.19 consumer credit report ... (See Debt)

Federal appeals court rules that Amex can block merchants from promoting rival cards -- again -- The U.S. Court of Appeals rejected the U.S. Department of Justice’s (DOJ) request to overturn its decision to allow American Express to stop merchants from promoting rival credit cards that charge lower fees. ... (See Amex anti-steering suit)

Avoid using your IRA to pay card debt -- Wiping out your life's savings will create its own problems ... (See IRA)

4 creative ways people cut their spending -- Hiding your cards, using only cash are just two ways to limit your purchases and debt ... (See Spending)

Self-employed can't be garnished, but can be sued -- Collectors have other options to recoup unpaid card debt ... (See Debt)

7 steps: Clean up your credit by spring -- Whether the future holds a new mortgage, car or just smaller debt burdens, these steps will build your credit and make it possible ... (See Credit steps)

Rate survey: Average card APR jumps to 15.36 percent -- Jan. 4, 2017: Already at a record high, the national average APR on new card offers jumped again, according to the Weekly Credit Card Rate Report. ... (See Rates)

4 types of financial helpers: which is best for you? -- Financial helpers can assist with almost any money situation. It's important to know who to call when you're in need ... (See Finances)

How to deal with a spouse who spends compulsively -- What do you do when your spouse jeopardizes your family finances by opening numerous secret card accounts? ... (See Spouse)

Credit bureaus to refund $17.7 million for score marketing -- TransUnion and Equifax lured consumers into buying costly credit scores not really used by lenders, consumer watchdog says ... (See Refund)

Be cautious before helping seniors with their finances -- Know what you're getting into before stepping into a legal thicket ... (See Elder finances)

Hotel rewards: Go for free nights, not points -- While thousands of points might feel like a bigger sign-on bonus than free nights for a hotel credit card, they make for more complicated trip-planning and run the risk of being diluted ... (See Hotel rewards)

Retired, with recent bankruptcy: Should you get a card? -- Proceed with caution and consider a secured card ... (See Retired)

Premium card perk: Access to airport lounges -- When the airport is in complete chaos, a private lounge can offer a nice escape ... (See Perk)

New accounts should have only minor credit score impact -- Something's wrong if a new credit card and a new utility account cause a big credit score drop ... (See Scores)

Late payments' recency, frequency, severity dictate score damage -- Letting one card go unpaid is not a strategy ... (See Paying late)

Card resolutions abound for 2017 -- Paying credit card debt weighs on many Americans' minds ... (See Resolutions)

Average card APR climbs to all-time high of 15.29 percent: Weekly Credit Card Rate Report -- Dec. 28, 2016: Average rates on new credit card offers spiked again this week, according to the Weekly Credit Card Rate Report. ... (See Record)

How do credit-builder loans work? -- You don't get access to the loan until later, but payments are reported to the credit bureaus, building a positive credit history ... (See Loan)

What is a foreign transaction fee? (+ details by card) -- Foreign transaction fees are becoming easier to avoid. If you travel in mind, here's how they work, which cards charge them and which don't ... (See Foreign fee)

What 2016 rewards card trends mean for you in 2017 -- Big lessons from big rewards of 2016 ... (See Rewards)

Online fraud surges after EMV chip cards hit the US -- Crooks switch to where cards are still vulnerable ... (See Online fraud)

Debt-free seniors may find themselves unscorable -- Congratulations! You've paid off your mortgage and all other debt. But you may have lost something else in the process: your credit score ... (See Unscorable seniors)

Limit business partners' access to your credit -- Don't let partners in small business sink your credit by ringing up charges on a card in your name. ... (See Small business)

Fed study: Debit card payments trump credit cards and checks -- Number of US card payments in 2015 accounts for two-thirds of non-cash payments in the U.S. ... (See Study)

Alaska, New Mexico have heaviest card debt burdens -- A combination of economic forces and individual financial discipline gives some places a heavier debt burden than others ... (See Debt)

Survey: Average card APR jumps to record 15.27 percent -- Dec. 21, 2016: The average APR on new credit card offers rose to an all-time high Wednesday after the Federal Reserve increased its benchmark interest rate, according to the Weekly Credit Card Rate Report. ... (See Rates)

6 times when just paying the minimum due makes sense -- Contrary to popular advice, paying more on your credit cards isn’t always the best option ... (See Minimum)

Why credit applications get denied after recent bankruptcy -- Try secured cards and becoming an authorized user to rebuild scores ... (See Bankruptcy)

Rejected for credit: When to take no for an answer -- Being turned down can be crushing, but it can be a sign you need to take seriously ... (See Credit)

Issuer closes card, empties out your cash rewards cache -- If your bank unexpectedly cancels your card, is there a way to recoup your rewards? ... (See Lost rewards)

Which cards let you be a co-signer, joint account holder -- Some issuers let consumers share accounts, others don't ... (See Joint)

Former employer says you used business card fraudulently -- Your options when accused of using business card for unauthorized purchases ... (See Options)

On active military duty? You can't get 6 percent APR cap on cards -- Service members' legal protections apply to older debt ... (See Cap)

House lien from unpaid card debt shouldn't be a surprise -- No one can put a lien on your house without notifying you ... (See Lien)

Millennials strongly prefer cards -- Except for when they’re directly paying another person, millennials are overwhelmingly choosing a debit or credit card ... (See Millennials)

How credit scores attempt to predict the future -- Great credit today can tumble tomorrow; scoring formulas look for, rank risks ... (See Predict)

Video: How your credit mix and new credit affect your score -- Your FICO score is determined by five main factors, including your new credit and your credit mix. Find out what these terms mean and how you can take control of your credit score ... (See Credit score)

Modern credit cards now a half-century old -- In 1966, MasterCard and Visa got their start; credit world dramatically different now ... (See 50 years)

Don’t be fooled by fake shopping apps -- Nine ways to be sure that download is the real thing, and not a fraud ... (See Fake)

Students steered toward high-fee bank accounts, CFPB warns -- Banks, colleges team up against unsophisticated kids ... (See CFPB)

APRs to go up as Fed raises interest rates -- Interest rate setters at the Federal Reserve raised their benchmark federal funds rate for just the second time in 10 years ... (See Fed)

Rate survey: Average card APR rises to 15.20 percent -- Dec. 14, 2016: The average APR on new card offers inched higher Wednesday after Capital One increased the APR on one of its cash back credit cards, according to the Weekly Credit Card Rate Report. ... (See Card APRs)

8 ways to cut your risk of fraud during holiday travel -- Data breaches, unsecure Wi-Fi, ATM skimmers are all on the rise. ... (See Fraud)

How a credit card helps boost scores for future mortgage -- Mortgage lenders like to see you handle multiple lines of credit responsibly ... (See Mortgage)

Weighing the value of special card reward deals -- Keeping up with card deals can be overwhelming. You might consider sticking only to the bigger offers or ones that you know you can use. ... (See Deals)

Mobile wallet providers roll out rewards -- Incentives offered to get more consumers to pay by phone ... (See Mobile)

5 money-saving mobile remittance apps -- New smartphone apps can be used to quickly send money abroad at a lower cost than traditional methods ... (See Apps )

How to check a small business's credit report -- Good credit will affect the interest rates lenders give you when you apply for a loan. ... (See Credit)

American Express makes paying for items through Facebook simpler -- American Express announced the addition of a new feature that makes it easier for card members to make purchases on Facebook using an American Express card. ... (See American Express)

Making minimum payments versus closing a card account -- Getting the card out of delinquency, paying on time are the important things ... (See Delinquent)

Withholding payment over late pay dispute unwise -- Find another way to express your displeasure or else collectors will come calling ... (See Dispute)

Behind on child support? 9 ways you could be made to pay -- Those who fall behind face a legal system that prioritizes swift collection on behalf of children, which can make life miserable for those who don't pay ... (See Support)

With balance transfers, watch your individual card utilization -- If transfer will eat up available credit, expect a credit score hit ... (See Transfer)

Citibank unifies the mobile experience for Citi Mobile App users -- Citibank has upgraded its Citi Mobile App for iPhone to combine banking, trading and investing into a single user app experience. ... (See Citi Mobile app)

Rate survey: Average card APR holds steady at 15.18% for ninth week -- Dec. 7, 2016: The average APR on new card offers held still Wednesday despite multiple small rate changes, according to the Weekly Credit Card Rate Report. ... (See APR)

Adding second card may boost thin credit file -- Adding a new card may help sagging score, but paying off debt in collections may help even more ... (See Credit score)

Fed: Card balances up $2.3 billion in October -- Credit card balances continued to inch toward $1 trillion in October, according to the Federal Reserve's G.19 consumer credit report ... (See Debt )

Purchase protection benefit survey 2016 chart -- 4 out of 5 cards offer some kind of extra purchase protection. Does yours? Review this chart to find out. ... (See Protect)

Purchase protection survey 2016: Which cards offer them -- Using credit cards to buy holiday gifts? Your purchases are likely protected, as 83 percent of credit cards boast added purchase benefits, according to our survey ... (See Protection)

No cards required: New ATMs more accessible to disabled -- Upgraded ATMs and smartphone apps make banking and shopping easier. ... (See ATMs)

Who qualifies for the Costco 2% Executive reward? -- Primary and 'household' account holders should accumulate rewards when using card ... (See Costco)

Detecting, preventing senior card fraud, abuse -- Seniors are more vulnerable to card fraud, but there are some protections you can put in place ... (See Fraud)

Taking credit card fees out of employees' tips -- Yes, you can take card fees out of charged tips, but your employees may resent the practice ... (See Tips)

Video: 4 creative ways to wrap a gift card -- Step by step, we'll show you how to make your gift card beautiful ... (See Gift card wrap)

Yes, rates will rise on closed accounts with balances -- An exception in the federal CARD Act lets issuers pass along Fed rate hikes, and those are coming ... (See Closed )

How to avoid 5 traps of balance transfer cards -- Paying late and not erasing your debt can be costly mistakes ... (See Balance transfer)

Elderly dad can't cover card bills and assisted living -- Adult daughter asks if she can just stop paying on dad's card debt ... (See Debt)

How four families rein in their holiday spending -- From an all-cash Christmas to traveling together, you can celebrate on a budget ... (See Holiday budget)

Small credit line? Pay early to boost your score -- Knocking down the balance quickly keeps your credit utilization low ... (See Early)

Card delinquency hits 15-year low -- It's another sign of U.S. consumers' improving finances ... (See Delinquency)

Average card APR remains at 15.18 percent for eighth week -- Nov. 30, 2016: The average APR on new card offers didn’t budge Wednesday, according to the Weekly Credit Card Rate Report ... (See Rates)

Average credit score climbs in Experian study -- The U.S. consumer's average credit score rose 4 points in the past year, nearing pre-recession levels, according to the credit bureau Experian ... (See Scores)

Can I use a card that I found on the floor? -- Paying with a card you found on the floor can lead to fines or jail time, a criminal defense attorney says ... (See Found)

Poll: Women, men disagree on how they divide spending -- Who controls spending? 'We do,' say women. Men say, 'I thought we shared' ... (See Spending)

4 ways credit can boost millennials' charitable giving -- With credit cards, it’s possible to support positive change with every charge. ... (See Charity)

Do metal credit cards cause problems with airport security? -- Those elite cards made of metal could cause issues at airports if you try to take them through a metal detector ... (See Metal)

Citi allows card members to track replacement cards though its mobile app -- Today, Citibank became the first major credit card issuer to offer its members real-time tracking of replacement credit cards. ... (See Citi card tracker)

Rev up holiday rewards with your card's shopping portal -- Portals are an easy and lucrative way to maximize rewards points -- if done right ... (See Portals)

Can you dispute an honest credit mistake? -- Lack of interest payments on a deferred payment deal tanks husband's credit score ... (See Mistake)

Your options when a parent is financially irresponsible -- A child can take over with power of attorney or guardianship ... (See Take over)

Mixed credit files: How to avoid them, fix them -- Every Jr., Sr. and Smith beware: People with similar or common names are at risk of having credit report mashups ... (See Mixed files)

Rate survey: Average card APR holds steady at 15.18 percent -- Nov. 23, 2016: The average APR on new credit card offers stayed put Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

Deceased dad left trail of fraudulent accounts -- A grown son discovers dad used his info to open card accounts in his name ... (See Theft)

Video: 5 ways to protect yourself while shopping online -- Find out how to protect yourself while shopping online with five safety tips you may not have heard of before. ... (See Online shopping)

Smartphones shift holiday gift-buying to the bedroom, bathroom -- Millennials most likely to holiday shop while prone or on the throne, survey finds ... (See Smartphone shopping)

How to maximize credit card rewards while holiday shopping -- Gift yourself some extra reward points while buying gifts for loved ones. ... (See Rewards)

How to avoid credit card problems aboard a cruise ship -- Surprise holds, fraud freezes and going overboard with onboard expenses can all be avoided ... (See Cruise)

Son made $6,000 in unauthorized card charges? Report it -- There may be legal consequences for your son, but if you don't, you'll be on the hook for his charges ... (See Unauthorized)

Video: 4 ways to save money shopping online for the holidays -- You don't need Black Friday to score deals ... (See Holiday shopping)

Facing the consequences for unauthorized shopping spree -- He gave her his card number to pay rent, she went online and splurged. Now it's getting ugly ... (See Spree)

Withholding payment after dispute goes against you -- Severe credit damage awaits if you don't pay up after losing a dispute ... (See Withhold)

Who owns consumer data? CFPB launches inquiry -- U.S. watchdog agency will examine choice, security and control of digital financial information ... (See Data)

Poll: Sharing credit cards common, but can bring problems -- Sharing a credit card account strengthens bonds, but encourages snooping ... (See Poll)

Rate survey: Average card APR stuck at 15.18 percent -- Nov. 16, 2016: The average APR on new card offers stayed at 15.18 percent Wednesday for the sixth consecutive week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Travel credits offset hefty annual fees, but programs differ -- It’s important to check the fine print before you shell out a hefty annual fee ... (See Travel credits)

How canceling a new card can hurt your credit -- Even if you never used it, a hard inquiry was generated when you applied ... (See Cancel)

Holidays bring a surge in retail cards, study finds -- Number of cards, amounts owed, delinquencies all projected to rise ... (See Retail cards)

Infographic: Contactless cards set to hit US -- Next generation of chip cards may speed adoption of tap-and-go payments ... (See Contactless)

Exclusive perks can make retail store credit cards a good deal -- Bank cards are better for everyday use, but if you love a specific brand, go for it ... (See Store card)

13 ways to make sure your identity is stolen -- How easy is it to get your identity stolen? Here are 13 easy ways ... (See Theft)

2016 holiday shopping and credit guide -- Wise use of cards can put money your pocket and keep debt off your back ... (See Holiday)

2016 holiday card perks and rewards -- During the holidays, many card issuers offer bonus shopping rewards and special experiences ... (See Holiday specials)

6 personal finance tips for military spouses -- Frequent moves, job changes can take a toll on finances and careers, permanent change of station, ... (See Tips)

Citibank unveils its first mobile wallet – Citi Pay -- Citibank introduced Citi Pay, the latest mobile wallet for Android phone users. Citi Pay is designed to offer consumers a convenient alternative to paying with cash or a physical credit card. ... (See Citi Pay)

Find the reason for a sudden 100-point credit score drop -- Start by reviewing ‘credit score factors’ listed on your report ... (See Drop)

6 end-of-year steps to protect your credit -- With the big spending months closing in, take steps to keep your credit under control ... (See Year-end)

How Trump's election may affect credit, consumers -- US consumer watchdog agency may be leashed ... (See Trump and credit)

Rate survey: Average card APR holds steady at 15.18 percent -- Nov. 9, 2016: The average APR on new credit card offers remained near record highs Wednesday, according to the Weekly Credit Card Rate Report. ... (See APR)

Even with a fee, 0% balance transfer deals can offer savings -- Moving high-interest debt to a 0 percent card is usually worth a small fee ... (See Transfer)

Video: 3 ways to help your kids build credit -- Add a child as an authorized user, establish a checking account, and help them learn about money ... (See Kids and credit)

It's tough to be sure if a purchase qualifies as rewards-eligible -- Look for program disclosures, but they aren't always detailed on what qualifies for rewards ... (See Eligible)

How to rebuild credit after a business setback -- After a business setback or bankruptcy, repay your debts, learn from your mistakes, and get back in the credit game ... (See Rebuild)

Millennials boosting retail 'un-gift' card sales -- Millennials are driving significant growth in retailer-specific gift cards, but they're ignoring the gifting part and using the cards themselves ... (See Un-gift cards)

Fed: Card balances up $4.2 billion in September -- Credit card balances continued to push toward the $1 trillion mark in September, according to the federal government ... (See Fed)

Can you update a client's credit card expiration date? -- If you have a client's card on file that you are allowed to charge for services and the expiration date has expired, can you guess what the new expiration date is and add it without checking first? ... (See Expired)

As online fraud spikes, here’s how to safeguard your accounts -- Protect your devices with strong passwords. That's just one step you can take to reduce your risk as e-commerce fraud soars ... (See Fraud)

Uber’s new debit card helps customers in Mexico hail a ride -- Ride-hailing company, Uber, has partnered with Mexican fintech bank, Bankaool, and MasterCard to launch the first Uber-branded debit card in Latin America. ... (See Uber Bankaool Debit Card)

Citi launches fingerprint authentication for mobile customers -- Citibank customers in Hong Kong can now use their fingerprints to access Citi Mobile App. A new authentication feature, entitled “Touch ID Sensor,” allows a user to access Citi’s full suite of mobile banking services. ... (See Touch ID Sensor)

The case against credit card piggybacking -- The odds of something going wrong are high and it's better to let others build their own good credit habits ... (See Piggybacking)

7 ways rewards cards can trim holiday costs -- Use your rewards cards to pay for gifts with points, save at shopping portals and fly home using airline miles ... (See Rewards)

Applying for a store-branded credit card at the register just got faster -- Alliance Data Card Services recently launched I.D. Self-Scan and Frictionless Mobile Credit -- two mobile-friendly tools designed to make credit card applications simpler and faster for consumers and retailers at checkout. ... (See Store-branded credit cards)

How to restore your good credit score to great -- Examine your recent loan-related activity to find what caused the drop ... (See Score)

Blockchain could spur credit card rewards revolution -- Blockchain technology, which powers the bitcoin, could change the way we use credit card rewards ... (See Rewards)

Rate survey: Average card APR remains unchanged at 15.18 percent -- Nov. 2, 2016: The average APR on new credit card offers remained fixed at 15.18 percent Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

Fraud alerts: Your credit's first (and free) layer of security -- A fraud alert notifies lenders that they should take special precautions to verify your identity before extending credit. But it comes with limitations -- and hassles ... (See Fraud alerts)

My ex-girlfriend charged over $7,000 on my card -- The issuer may not consider the charges fraudulent if she had permission to use the card ... (See Card)

Headed to a credit repair company? Know what to expect -- Hiring someone to fix your credit can be a positive step, just know who you are dealing with ... (See Fix)

Credit card disputes go mobile for Citi cardholders -- Citi announced the launch of a new feature today that allows card members to dispute certain charges using a mobile device. ... (See Credit card disputes)

New card accounts rise to near pre-recession levels -- Number of new accounts at 85 million, up 11 percent in the past year ... (See Accounts rise)

Simple strategies for increasing your card rewards -- First, shift monthly spending from cash and checks to credit ... (See Rewards)

2016 airline gift card comparison chart -- Several airlines offer gift cards, but their terms and conditions vary so comparison shop before making a purchase ... (See Gift cards)

American Express launches installment payments for Canadian card members -- American Express Canada launched a new installment payment plan aimed at giving card members more control over their finances. ... (See Installment payments)

Video: Use your credit card points to pay for a haunted getaway -- Use your credit card rewards to help pay for a haunted getaway to some of America's most haunted hotels. ... (See Haunted)

Can't afford monthly card payment? Try these options -- There's no easy way to delete debt, but you do have choices ... (See Debt)

Video: At festivals, wristbands are the new credit cards -- Wristbands are becoming more popular at major festivals as a form of payment, allowing attendees to leave their wallets at home. ... (See Wristbands)

Autopayments, though convenient, can backfire -- Autopay may be convenient, but sometimes it's best to make payments manually ... (See Autopay)

Small-business owners are more credit savvy than consumers -- Small-business owners beat consumers in managing credit ... (See Business )

Survey: Average card APR remains fixed at 15.18 percent -- Oct. 26:2016: Online card fraud rises, while card-present fraud drops due to EMV switch, according to the Weekly Rate Report ... (See Rates)

Get bankruptcy trustee approval prior to applying for credit -- If still in Chapter 13, you need approval before you can apply for a new credit card ... (See Credit)

Sears Mastercard holders earn more 'Shop Your Way' rewards through the holidays -- Sears MasterCard holders can start earning more Shop Your Way points through a complimentary offer running Nov. 1, 2016 through Dec. 31, 2017. ... (See Sears Mastercard)

CFPB orders halt to 'security interest' debt collection practice -- Navy Federal ordered to stop freezing customer accounts after fine issued ... (See CFPB)

Can you use US credit cards in Cuba? -- Card transactions require internet service, and Cuba’s internet access is spotty. ... (See Cuba)

SIM-swapping scam lets fraudsters drain your accounts -- If your smartphone goes dead suddenly, someone may have hijacked it ... (See SIM fraud)

What to do if you suspect card fraud by a customer -- How to prevent a purchase being made with a fraudulent card. ... (See Fraud)

No card, no problem: Pay with your ring, watch, bracelet -- The card of the future may just be your scarf, jewelry or fitness tracker ... (See Wearables)

Keep credit utilization low when refinancing mortgage -- Even if you don't carry a balance, high card use can hurt ... (See Refinance)

Help! I maxed out 5 cards to 'help' online boyfriend -- Retired woman falls for scam, racks up $35,000 she can't pay back ... (See Scam)

Video: Inside the dark web -- Welcome to the dark web, where criminals can steal your identity anonymously. ... (See Dark web)

Yes, worry about a 30-point discrepancy in your credit scores -- Some variation is expected, but big differences merit investigation ... (See Scores)

Chart: 2016 Retail Card Survey data -- Interested in opening a store card? Our 2016 survey data offers store-by-store details to help you find the right one for you ... (See Chart)

2016 Retail Card Survey: APRs climbing, sign-up deals fading -- We surveyed all the cards from the top 100 retailers, and nearly half carry rates higher than 25 percent ... (See Retail card survey)

Survey: Average card APR remains at 15.18 percent for second week -- October 19, 2016: The average APR on new credit card offers remained at 15.18 percent Wednesday for a second week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Turning to credit to fund pricey addiction rehab -- As a last resort, your credit cards can provide a lifeline to recovery ... (See Rehab)

How to access elderly parent's credit reports -- If you suspect card fraud, the best way to find out is through a credit report ... (See Fraud)

How your card may reimburse canceled trip costs -- Some cards offer trip cancellation protection, but you have to meet all the criteria ... (See Trip)

Bobbi Rebell's money moguls' 'Financial Grownup' moments -- ShreShrewd money managers reveal their financial 'aha' moments in Rebell's new book ... (See Rebell)

Marriott moves toward merging Starwood with other loyalty programs -- Following its acquisition of Starwood Hotels & Resorts Worldwide, Inc., Marriott International, Inc. has taken further steps to integrate its award-winning loyalty programs. ... (See Starwood)

How to avoid paying convenience fees on utility bills -- Utility companies may charge a convenience fee if you pay by credit card. ... (See Convenience fees)

8-credit-mistakes-made-by-the-credit-experts -- Everyday cardholders can learn from gaffes made by gurus ... (See Mistakes)

Don't fall into the deferred-interest trap -- Pay late by a day and you face a huge penalty ... (See Deferred)

Robo-comments on payday loans clog regulation-making machinery -- A record 1 million comments on a federal payday loan rule will prolong its review, but thousands of pro-payday comments are suspiciously alike ... (See Payday)

This new 'smart' card may help fight fraud -- To decrease the rate of card-not-present fraud, Oberthur Technologies recently introduced Motion Code, a credit card that randomly generates a new CVV every hour. ... (See Motion Code)

Infographic: 'Us' cards versus 'me' cards -- In a new survey, 47 percent of Americans reported sharing all of their credit cards, while 37 percent indicated they only have separate cards ... (See Sharing cards)

Small balance shows you use credit, helping your score -- Scoring formula quirk rewards you for having tiny balance ... (See Balance)

Video: The psychology of bill avoidance -- Take small steps to deal with that which you dread, a professor says ... (See Bills)

Compare best sign-up bonus rewards cards -- In our survey, 6 cards deliver upfront rewards worth more than $1,000 ... (See Bonus)

Rate survey: Average card APR falls to 15.18 percent -- October 12, 2016: The average APR on new card offers fell to a nine-week low on Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

Ask for a lower APR; you just might get one -- If your credit's in good standing, the odds of being granted a lower APR are in your favor ... (See APR)

Take control of pesky recurring card charges -- Automatic renewals easy to forget, sometimes hard to turn off ... (See Recurring)

Navy Federal fined $28.5 million for debt collection tactics -- Biggest US credit union strong-armed its members, CFPB says ... (See Collection)

Infographic: What's most financially important when -- A new survey shows that for 3 in 10 millennials, putting money into savings is their top financial concern ... (See Millennial savings)

Calculate your rewards card's value: 8-point checklist -- Take count of what you get before paying a big annual fee ... (See Value)

Travel reward cards: How to avoid pitfalls -- Canceling a rewards card after using the bonus can save money on the annual fee but also affect your credit ... (See Rewards)

Brexit, pound's plunge bring a UK shopping discount -- Online shoppers can save 10 to 20 percent, and may even get free shipping ... (See Brexit)

Credit card surcharges can be costly for business -- For the moment, California law allows these charges ... (See Surcharges)

Social Security benefits protected from garnishment -- As long as your benefits are direct deposited to your bank, creditors can't take them ... (See Debt)

Fed: Card balances grew $5.6 billion in August -- Credit card balances continued to surge toward pre-recession levels in August ... (See Credit)

How Clinton or Trump presidency could impact card lending -- The winner of this November's presidential race could affect consumer protection and banking laws ... (See Cards)

Credit card delinquencies rise but remain near historic lows -- Cardholders have learned their lesson and pay down card debts, says the American Bankers Association ... (See Debt)

Don't close your credit card accounts to win a mortgage -- "Too much credit" is old, bad advice some mortgage lenders cling to ... (See Mortgage)

Video: What is your credit utilization ratio? -- Your credit utilization is how much credit is available to you versus how much of it you actually use. ... (See Utilization)

Rate survey: Average card APR remains at 15.22 percent -- October 5, 2016: The average APR on new card offers remained near a five-year high for the sixth consecutive week, according to the Weekly Credit Card Rate Report. ... (See Rates)

If mom opens cards in your name, it's family fraud -- Start with a conversation, then get a police report ... (See Fraud)

MasterCard aims to replace your password with a ‘selfie’ -- MasterCard announced the European launch of “Selfie Pay,” a verification technology that allows cardholders to make online payments using biometrics such as facial recognition and fingerprints. ... (See Identity Check Mobile)

Consumer agency finalizes prepaid card regulations -- Standardized fee chart makes it easier to compare costs ... (See Prepaid)

Understanding how airline rewards programs work -- Airlines have changed the structure of their reward programs, but still have great offers if you know how to earn miles. ... (See Miles)

Take a businesslike approach to improving your credit -- Want to boost your credit score and increase your borrowing power? Ask a small business owner for financial advice ... (See Credit)

How to avoid unwanted purchases on company credit card -- To prohibit employees from purchasing certain items, employers can use MCC codes for help ... (See Company cards)

Video: How EMV chips are made -- A look behind the scenes at an ultra-secure credit card factory where small but complex smart card chips are made. ... (See EMV cards)

The big chip card switch: living with EMV -- Has the EMV chip card shift been successful? What we can expect of our cards in the near future. ... (See EMV )

Being added as authorized user can boost credit age, score -- Young to credit? Your parents' well-aged card could help ... (See Age)

American Express wins right to block merchants from promoting rival cards -- Earlier this week, a federal appeals court ruled that American Express can prevent merchants from steering customers to credit cards with lower transaction fees. ... (See Amex anti-steering suit)

Poll: Holiday retail season starts too darn early -- Most are annoyed at ever-earlier store decorations, but millions have begun shopping ... (See Too early)

Credit card debt down across the board -- Regardless of age, education or income, we dropped debt ... (See Debt down)

Rate survey: Average card APR remains at record high -- September 28, 2016: The average APR on new card offers remained fixed at a nearly five-year high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Once balance is paid off, your credit limit is restored -- New to credit? Here's how charging and repaying affects your credit limit. ... (See Limit)

ACH network unveils same-day bill pay -- Running late on a bill? Same Day ACH enables credit card users to make same-day payments to issuers through their online banking systems ... (See Same day)

How to get double cash back at Costco -- How to get double cash back at Costco with executive membership and the Costco Citi Anywhere Visa. ... (See Costco)

9 confusing credit card terms explained -- The lexicon of credit card terms can be confounding. Here's some help ... (See Terms)

Can you run a card on file for payment without approval? -- A repeat customer gives business a card number that doesn't work, but has a card on file that does. ... (See Card)

Card account keeps getting hacked. Close it? -- Canceling a card can impact credit score, but it may be necessary ... (See Hacked)

Paid a charged-off debt; now what? -- It’s not enough to just pay a charge-off and forget about it. There are some cases in which the information about the paid charge-off doesn’t get to the credit reporting agencies. ... (See Debt)

How to ask the kids to help out in a financial crisis -- When finances are suddenly stretched, is it wrong to solicit help from your children? ... (See Kids)

Credit bureau policies vary when freezing a child's credit -- It is often difficult to place a credit freeze on a child when no ID theft has been committed ... (See Freeze)

Rate survey: Average card APR remains unchanged at 15.22 percent -- September 21, 2016: The average APR on new card offers remained near record highs this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

When a 'friend' racks up $11,000 on your card -- Your options? Take her to civil court, pay the debt or stop paying and risk being sued yourself ... (See Options)

Protect yourself from banks 'cross-selling' fake accounts -- Checking up on your bank requires more than reviewing account statements and standard credit reports ... (See Accounts)

APRs to stand pat as Fed puts off rate increase -- Credit card users were spared higher APRs for now, but should brace for an increase before year end ... (See Federal Reserve)

Retailers cash in on booming mobile card reader adoption -- Mobile card readers are a game-changer for former cash-only merchants ... (See Mobile card readers)

You splurged for the Chase Sapphire Reserve card. Now what? -- Use the card's points and perks before that $450 annual fee kicks in again. ... (See Reserve)

Video: Police scanners can now freeze prepaid cards -- Law enforcement agencies can now freeze and later seize funds found on prepaid cards in suspects' vehicles within seconds. This development is leading to questions of civil rights ... (See Prepaid)

How your business can avoid charge-backs, account problems -- Chargebacks can cause problems for business owners when it comes to their accounts. There are ways to improve customer service and cut down on charge-backs ... (See Charge-backs)

Study: Rising interest rates will impact 92 million in US -- A study by credit bureau TransUnion finds that 92 million U.S. consumers will face higher monthly payments when interest rates rise, and 9 million will struggle ... (See Rates)

Tips for buying airline tickets with a debit card -- Buying an airline ticket with a debit card involves its own restrictions and requirements ... (See Debit)

Dispute card accounts opened fraudulently by ex-spouse -- You have to take the proper steps to get the issuers to acknowledge the accounts aren't yours ... (See Fraud)

Business charged you via card number on file? Dispute it -- Just because they sold you something once, they can't run your card number on file again without your permission ... (See Dispute)

9 free or cheap apps to help you get out of debt -- Becoming debt free starts with totaling all you owe on your credit cards and loans ... (See Apps)

Rate survey: Average card APR holds tight at 15.22 percent -- Sept. 14, 2016: The average APR on new card offers didn’t budge this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Supercharge rewards with a business card -- By playing your cards rights, a business card can rack up rewards fast ... (See Rewards)

How to fix credit after dad opens card in son's name -- Son rejects dad's card offer, but finds out dad opened one anyway ... (See Credit)

Infographic: Online banking still tops, but mobile surges -- Nearly 60 percent of Americans used mobile banking at least once per month ... (See Online banking)

Making the most of flexible travel rewards programs -- Several programs allow transfers to airlines and hotels, and there may be more possibilities than you realize ... (See Rewards)

Demystifying 5 common credit misconceptions -- Don't get tripped up by misleading or confusing credit terminology ... (See Terms)

Video: Exclusive credit card rewards experiences -- We'll show you how to get up close and personal with the players of your favorite sports team before a game by using credit card reward points ... (See Experience)

To escape from crummy cards, you need a plan -- Get basic good credit behavior down pat; worry about the nuances later ... (See Crummy)

Wells Fargo's huge fine: inside the numbers -- Wells Fargo will pay $185 million for secretly opening unauthorized accounts for its customers, and that's not the only big number connected to the case ... (See Wells Fargo)

Video: Ways to save money on a Disney vacation -- Here are some realistic ways to save money at the happiest place on Earth ... (See Disney )

Fed: July card balances rise 3.4 percent -- Consumer card debt continues its steady climb upward ... (See Debt)

Poll: Americans don't read or understand credit card agreements -- Asked to describe the agreements in one word, we use bad ones ... (See Poll)

Study: Credit card agreements unreadable to most Americans -- Despite a U.S. campaign for simplicity, contracts remain indecipherable, written at a grade level beyond the Average American's understanding ... (See Unreadable)

Compare readable, unreadable credit card agreement text -- We dare you to understand the text written at the 28th grade level ... (See Unreadable text)

Readability battle: card agreements versus Harry Potter -- See how card agreements stack up in readability against familiar documents, from novels to nursery rhymes to the U.S. Constitution ... (See Card agreements versus Harry Potter)

Video: Unreadable card agreements -- Credit card agreements are said to be written on an 11th grade reading level. We came to a university campus with an excerpt from a credit card agreement to see if college students can make sense of what they are reading ... (See Card agreement video)

Rate survey: Average card APR remains at 15.22 percent -- September 7, 2016: Average rates on new credit card offers remained at record highs this week, according to the Weekly Credit Card Rate Report. ... (See APR)

10 business card mistakes that can tank your credit -- A low score can make it difficult to secure loans, retain suppliers and attract customers ... (See Mistakes)

Will incorrect income on car application jeopardize loan? -- The bigger problem lies in taking on a car payment you can't afford ... (See Loan)

Save money on gas, at Costco and elsewhere -- Using the new Citi Costco card can make sense at the pump, but there are other ways to save on gas ... (See Save)

Inform customer before your business runs card number on file -- If your business is left with an balance and has a card on file for an unresponsive customer, it is probably OK to run the card - but document your efforts to reach them ... (See On file)

Make sure loan consolidation improves your credit -- Consolidating your credit card debt into a single loan can help your credit or hurt it. It depends on your actions ... (See Debt)

Living together doesn't create common-law marriage or debt liability -- Keeping accounts separate can protect funds in case partner is sued for repayment ... (See Debt)

9 credit lessons for college students -- These tips will help students use cards wisely to build their credit in school and beyond ... (See Students)

6 favors you can ask your card issuer -- Looking for a better deal? It never hurts to ask, and good preparation increases the odds you'll hear a "yes" ... (See Favors)

Infographic: Credit card use among the college set -- Two-thirds of college students have a credit card, and most are using their cards regularly, according to data from Equifax ... (See College cards)

Removing yourself as an authorized user -- Ending the 'piggyback' ride from a person with great credit can impact score ... (See Impact)

Rate survey: Average card APR rises to 15.22 percent -- Aug. 31, 2016: The average APR on new credit card offers rose to a record high this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

Creating a credit history for kids under 10 is too early -- Wait until kids hit their teens to add them as authorized users to your card ... (See Kids)

Don’t fall victim to these 7 credit card timing mistakes -- Paying a bill late, failing to pay off an account and other timing errors can cost you big in terms of credit damage ... (See Timing)

Which cards maximize rewards at grocery stores? -- Having the right rewards card can beat coupon clipping ... (See Grocery)

7 ways to track your reward cards like a pro -- Experts give advice on how to juggle various cards and their rewards points programs ... (See Track)

Shady business partner opens up credit in your name -- Straighten out the credit mess, then get a new partner ... (See Business)

Infographic: Most Americans OK with going cashless -- Millennials are cool with leaving the house sans bills or coins, a Gallup Poll says ... (See Cashless)

Be wary of whose card you piggyback on -- If the credit bureau deems the account illegitimate, you'll be out of luck ... (See Piggyback)

First National Bank of Omaha refunds $27.75 million for add-ons -- Misleading marketing of credit card add-on products that did not deliver what they promised brings regulatory action ... (See Refund)

Half of college students aren’t checking their credit reports -- Many Americans 18-24 are wielding credit cards responsibly, but there’s a need for more credit education, a new Equifax study and money experts say. ... (See Students not checking credit reports)

How becoming a widow affects credit -- Becoming suddenly single won't hurt credit if you have your own ... (See Widow)

New credit card has so-so terms? You have choices -- If the rate is too high or the credit limit too low, you have more options than just sitting and fuming ... (See Meh)

Rate survey: Average card APR holds steady at 15.19 percent -- Balance transfer and 0 percent purchase offers become less generous ... (See Rates)

Security concerns keep consumers away from mobile payments -- Older consumers site security concerns, privacy and lack of necessity as reason they don't use mobile payments ... (See Mobile payment concerns)

Deceased father's accounts dragging down son's scores -- Knowing exactly how dad's accounts got on son's credit is first step ... (See Scores)

Survey: Card acceptance for tuition rises, but so do fees -- U.S. colleges and universities are more card-friendly, but fees for charging tuition are rising, according to a new survey. ... (See Survey)

2016 Credit Card Tuition Payment Survey data -- Find out if the college you're attending will let you pay tuition with a credit card -- and at what cost ... (See Tuition card payment data)

How cohabitating couples can protect themselves financially -- Taking these three steps before moving in could help avoid a money mess down the road. ... (See Finances)

Businesses must beware unauthorized card use -- Fraud liability, loss of ability to accept cards may follow if you don't follow merchant rules ... (See Unauthorized)

Compare elite credit cards -- Table summarizes the high-cost, high-reward cards ... (See Compare elite rewards)

Card issuers can reduce your credit limit -- Banks monitor credit reports, and make adjustments if it sees signs of risk ... (See Limit)

How preapproved offers affect credit -- You don't have a lot to worry about, but there are exceptions ... (See Preapprove)

Satisfaction rises for most cardholders -- Discover comes out on top in J.D. Power's annual satisfaction survey ... (See Satisfaction)

Recession foreclosures disappearing from credit reports -- With their credit reports cleansed, "boomerang buyers" are returning to a still-depressed housing market ... (See Home)

Survey: Average card APR inches up to 15.19 percent -- After sitting at 15.18% for nine weeks, a move by AmEx ratchets national average up ... (See Rates)

We'll reach chip card saturation in 2020 -- Mercator Advisory Group forecasts that EMV chip card penetration will hit 95 percent by 2017, and 100 percent three years later ... (See Chip card saturation)

Video: How payment history affects your credit score -- Financial mistakes can haunt you and your FICO score ... (See Payment history)

Is secured card best for rebuilding credit post-bankruptcy? -- If your score is high enough, you may qualify for a regular, unsecured card ... (See Credit)

As hotel data breaches mount, be alert for card fraud -- Regularly change passwords, watch accounts for suspicious activity ... (See Hotel)

Not all travel qualifies for rewards bonus points -- Check your card's terms to see how it defines "travel" ... (See Travel points)

When your card's big data collection goes from cool to creepy -- Some actions from credit card companies might be convenient for some customers and unnerving for others ... (See Data)

Pay medical bill before debt goes into collections -- Complex medical billing makes it common for debts to slip past due ... (See Medical debt)

5 dream vacations funded with rewards -- Find out how you can turn that wish-list vacation into reality ... (See Rewards)

Teen falsifies birth date, gets card, charges $500 -- Her mom will pay off debt, but asks if her teen will come under fire from the issuer ... (See Teens)

Kids and money: 4 wrong messages for your children (and 4 right ones) -- Parents unknowingly teach their kids unhealthy money habits, but they're fixable ... (See Kids)

How delinquent child support affects credit scores -- States vary in how they report it, so impact varies, too ... (See Scores)

Survey: Average card APR holds tight at 15.18 percent for ninth week -- August 10, 2016: The average APR on new credit card offers remained locked in place this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Video: Building credit as a new US resident -- Here are five tips for building credit from scratch ... (See Build)

Card options expand when bankruptcy falls off credit report -- At last, 10 years have passed since bankruptcy. Which card should you try for? We'll help you come up with a plan ... (See Post-bankruptcy)

Credit card ownership lags for those with low scores -- Credit card ownership is rebounding, but remains far behind levels seen before the recession, and consumers with bad credit are the ones doing without plastic ... (See Ownership)

Purging seldom-used reward cards -- If you have cards you rarely use, consider canceling them for peace of mind ... (See Gas rewards)

Early card fraud rains new payouts for victims -- Millions recovered from offshore accounts held by an owner of online porn sites ... (See Ken Taves)

Don't try to fix and flip houses with 0-percent cards -- Risky investments require cash reserves, not plastic ... (See Flipping)

Rewards bubble hasn't popped ... yet -- Points, miles and cash back gush at unprecedented levels, but what goes up must come down ... (See Bubble)

Fed: Revolving debt surges in June -- Balances on credit cards grew at a 9.7 percent annual rate in June, the Federal Reserve's consumer credit report said ... (See Consumer credit)

Back-to-school credit guide 2016 -- resources for shopping, learning about credit and managing debt during the back to school season. ... (See Guide)

New card accounts continue to rise sharply -- Subprime cards are up 160 percent in the past five years ... (See New card accounts)

How being denied credit affects your score -- Only the hard inquiry affects the credit score of an applicant when their credit report is pulled ... (See Denied credit)

Rate survey: Average card APR remains at 15.18% for eighth week -- August 3, 2016: The average APR on new card offers held steady this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Survey: 1 in 3 young women don’t know current card balances -- Credit card, student loan debt overwhelming millennials on tight budgets ... (See Millennials)

Safeguard accounts from card-stealing family member -- Keep cards safe and don't store details online to prevent fraudulent charges from happening ... (See Fraud)

Maximize points by shifting spending to a rewards card -- Some types of purchases are hard to put on a card ... (See Shift spend)

Millennials, now house-hungry, struggle to build credit -- Late to homebuying but eager, millennials look for quick, creative credit score cures ... (See Homebuying)

Mailing goods to a customer? Require a signature -- For small businesses that send products by mail, a signed record will show it was delivered and avoid chargeback disputes ... (See Signature)

Hiring a debt collector to enforce loan to friend, family -- When friends and family borrow and fail to repay, it may be time to bring in a professional debt collector ... (See Collect)

Hard inquiry warning not required -- The impact of that inquiry can range from slightly harmful to positive ... (See Inquiry)

CFPB proposes new limits on debt collectors -- You'd have to be told if debt's too old to legally collect ... (See Debt collectors)

2016 Credit Card Fee Survey: Surprise! Fees drop -- As they seek new customers, some card issuers have done the remarkable: They cut fees, according to a new survey. ... (See Fees)

Rate survey: Average card APR remains stuck at 15.18 percent -- July 27, 2016: The average APR on new card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See Rate survey)

It's now harder to pay health insurance premiums via credit card -- Citing fees, Humana and some Blue Shield units have dropped the pay-by-credit-card option ... (See Payments)

Understanding how a card's billing cycle works -- Depending on when issuers report to the bureaus will impact credit scores ... (See Billing)

APRs hold steady as Fed opts against rate increase -- The Federal Reserve held off on lifting interest rates, giving credit card holders a temporary reprieve from higher APRs ... (See Fed)

CFPB lists our biggest complaints with credit cards -- Card complaints were up 9 percent in the second quarter as consumers groused about fees, costs, rewards and other issues ... (See CFPB)

Merchants hit by chargebacks look to hire help -- Frequent chargebacks cost time and money -- and for some merchants, it can make sense to hire professional help. ... (See Chargeback)

Employers running credit checks on job applicants must tread carefully -- The screening tool is increasingly seen as unfair by state legislatures, though they may make sense in some cases ... (See Credit checks)

Infographic: The face of senior card debt -- Medical bills take up most of the debt of the seinor citizen community, while credit card debt is a close second ... (See Senior debt)

Struggling homeowner reliant on credit looks at raiding 401(k) -- With credit maxed out, car shot, raiding the 401(k) is tempting, but don't do it ... (See Help)

Credit card bill autopayments: tips for getting it right -- Setting up autopayments can prevent slip-ups that can ruin your credit score ... (See Autopay)

Positive card habits up, negative ones down -- Americans pay their credit card bills in full more often, and avoid costly behavior, a six-year survey series finds ... (See Card behavior)

5 credit scoring head-scratchers -- Most of the times, scoring rules make sense. Then there are these ... (See Rules)

LA, Minneapolis best cities for money management skills -- Consumers in Los Angeles and Minneapolis-St. Paul excel at managing their finances, based on credit scores adjusted for income and other factors ... (See Cities)

Rate survey: Average card APR doesn’t budge -- July 20, 2016: The average APR on new card offers remained locked in place this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Video: Credit pitfalls for stay-at-home parents -- Stay-at-home parents can tank their credit by making these common mistakes ... (See Parents)

How unwanted card, hard inquiry impact credit scores -- The inquiry will ding your score, but the new credit line may help ... (See Card)

NY Fed: Credit card applications up, rejections down -- Consumers applied for credit cards at a record rate in a June survey, according to the Federal Reserve Bank of New York ... (See Applications)

Buying gift cards with a credit card gets harder, for now -- Merchants waiting for certification of new equipment to process EMV chip cards are putting limits on gift card purchases, a favorite of credit card fraudsters ... (See Gift cards)

One day late, one dollar short means late fee -- Paying a bit little, a bit late, will trigger a fee ... (See Late fee)

'Plain vanilla' credit cards: 5 reasons to choose one -- Credit cards with no frills, no rewards, no hassles have become popular; here's why one may be right for you ... (See Vanilla )

How to graduate from debit-only to being a credit card holder -- Don't let fear hold you back from opening a credit card. Used properly, they're a useful tool. ... (See Debit)

Authorized user doesn't like the piggyback ride -- Don't jump off too soon; a close look at the entire credit profile may show it's a net positive ... (See Piggyback)

How to remove a 100-word personal statement from your credit report -- Even if you felt the need to dispute an unpaid bill or explain what led to a foreclosure in the past, there are a number of reasons why you might have a change of heart ... (See Remove)

Rate survey: Average card APR sits tight at 15.18 percent -- July 13, 2016: The average APR on new card offers remained unchanged at 15.18 percent this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Unpaid fees from canceled card can end up in collection -- When a card is canceled, triple-check that no balance remains ... (See Fees)

Video: How to save on a national park vacation -- With rewards credit cards and other budget-saving tips you can have an exciting park adventure for a fraction of the usual cost ... (See Vacation savings)

How do I tell when card debt legally expires? -- The statute of limitations in your state and your card agreement are the starting points, but individual cases can be complex ... (See Debt legally expires)

Why we love that giddy high of a good card splurge -- That rush you feel when you splurge actually has a name: it's called a "buy high." ... (See Splurge)

When spouse dies, who gets the cash-back rewards? -- As an authorized user on your spouse's credit card account, you are usually not entitled to cash-back rewards accrued on the account. But issuers may make an exception ... (See Rewards)

How to get free stays and perks faster with hotel rewards -- Loyalty programs from hotels, co-branded credit cards and third-party booking sites all can help you earn free nights, but work best when you choose a strategy that fits your needs ... (See Hotel rewards)

Infographic: Credit card love from older millennials -- Millennials do, too, like credit cards, research shows. In fact, older millennials covet them more than any other age group ... (See Millennials)

Credit paranoia or credit smart? Which precautions are worth it -- How to make sure that the desire to protect your credit information doesn't turn into an obsession ... (See Theft)

Fed: May card balances rise 3 percent -- Americans continued to reach for credit cards in May, as card balances rose $2.3 billion (3 percent), according to the Fed's latest consumer credit report. ... (See Debt)

Infographic: Card delinquencies hold near record lows -- At 2.47 percent, late payers are half the number they were during the recession ... (See Delinquency)

9 rewards card sign-up bonus mistakes -- Know the minimum spend required, the fees to avoid and more ... (See Sign-up)

Rate survey: Average card APR remains at 15.18 percent -- July 6, 2016: Interest rates on new credit card held steady this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

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

‘Loaded’ author Sarah Newcomb: Call them loan cards, not credit cards -- In a new book, the behavioral economist talks about the role credit cards play in the financial tales we tell ourselves ... (See Q&A)

Card issuers impose limits on rewards card churning -- Limits make it tougher to churn through credit cards to milk them for sign-up bonuses while ducking the fees ... (See Churning)

Poor personal credit hurts business card application -- Even with good business credit, your chances of approval for a business credit card are poor until you rebuild your personal credit score ... (See Business)

Credit use by generation: Who's doing the best job? -- The generation you're from likely plays a big role in how you view and use credit products ... (See Credit)

Appeals court rejects $7.25 billion swipe-fee settlement -- An appeals court overturned a 2012 swipe-fee settlement that allowed merchants to surcharge Visa and MasterCard credit card transactions ... (See Surcharge)

Video: Protect your identity in ways chip cards can't -- While EMV chip cards can help prevent some fraud, identity thieves are looking for other ways to find your personal info and you might just be helping them ... (See ID theft)

Rate survey: Average card APR holds steady at 15.18 percent -- June 29, 2016: Interest rates on new credit card offers didn’t budge this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Lowering credit limit on new card can hurt scores -- The higher the credit line, the better, as long as balances stay low ... (See Scores)

Why should I opt-in to credit card issuer text alerts? -- Mastercard and Visa require that all card issuers provide opt-in alert programs for potentially fraudulent transactions ... (See Alerts)

VantageScore turns 10: What it is, why it matters -- VantageScore, launched as a more consumer-friendly alternative to the dominant FICO credit score, has slowly gained acceptance ... (See VantageScore)

Generations differ on spending extra money -- Millennials go for entertainment with discretionary dollars, Generation X pays off debt and boomers sock it into savings, new research says ... (See Spending extra dollars )

Brexit getaway? Award seats to London are widely available -- The turmoil after the British vote to leave the European Union has made it cheaper for Americans traveling there, though with airline prices still high, it pays to investigate award flights ... (See Fly)

How to choose a P2P payment service -- Here are the features to be aware of when choosing an app for paying friends ... (See P2P)

Paper versus online statements: 8 FAQs -- Frequently asked questions about switching from paper to online statements for your credit card account, or maybe switching back ... (See Paper statements FAQs)

Poll: Paper bank statements remain popular -- More than half of us still get them; younger consumers more likely to go digital with bank statements, a national poll finds ... (See Paper statements)

Rate survey: Average card APR remains unchanged at 15.18 percent -- June 22, 2016: Interest rates on new credit card offers held still this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Generation Debit: Parents dish out plastic instead of cash -- More teens and even preteens are opening checking accounts, using debit cards. It can teach money skills, but has risks ... (See Debit)

Canceling new card won’t offset hard inquiry score impact -- Once you apply, the damage is done. But responsible use over time is the cure ... (See Impact)

Video: Curb emotional spending in 4 steps -- "Retail therapy" can work against you by adding stress on your finances. Here are 4 ways to help stop spending as a way to handle your emotions ... (See Emotional spending)

Card offers on planes – are they worth it? -- Credit card applications handed out on planes sometimes come with better rewards sign-up bonuses and other perks, but not always ... (See Rewards)

Low credit score? Mortgages now more expensive -- Recent changes to private mortgage insurance costs hurt low-score, low down payment buyers ... (See PMI)

How to ask members to cover nonprofit's card processing fees -- How you word such a request has less to do with credit card laws than with regulations governing nonprofit fundraising ... (See Fees)

Settling parent's financial affairs after death -- Locating insurance, paying bills a challenge when a parent dies suddenly ... (See Death)

Credit card statistics -- This is the web's largest and best-documented set of credit card statistics, from industry studies, government and university reports, and's original research ... (See Stats)

How a Canadian can restart credit in the U.S. -- A great score in Canada means little; you need to obtain a U.S. loan from a U.S. lender that reports to U.S. credit bureaus ... (See Canadian)

Credit card fee, rate statistics -- How many of us are paying fees on our credit cards, and what is the average APR on a card with a balance? has compiled statistics to answer those questions and more ... (See Fees and interest)

Student credit, debit and prepaid card statistics -- Credit cards have gotten harder for college students to get, but debit, prepaid cards and campus cards fill in the payment gaps ... (See Student stats)

Fed dials back rate-hike expectations -- In a reprieve for credit card borrowers, the Federal Reserve decided against a rate increase for the fourth time this year and signaled a slower pace of increases ... (See Rates)

Rate survey: Average card APR inches up to 15.18 percent -- June15, 2016: The average credit card interest rate ticked up this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Prepaid travel cards pros and cons -- Prepaid travel cards can offer a safe way to get cash in foreign currency ... (See Travel)

Paying down existing balances trumps need for secured card -- Getting rid of current debt will boost score more than getting a new card ... (See Score)

Credit card race, age, gender statistics -- Race, gender and age all play a role in how much credit we're able to access and whether we're able to use that credit to greatest advantage. has compiled statistics on demographic trends in the credit world ... (See Demographic stats)

Many prefer debit for everyday buys, credit for the big ones -- For many, debit cards lead credit cards as a primary payment method, a TD Bank survey finds. But for big-ticket items, nearly all groups prefer credit cards ... (See Debit versus credit)

Foreign ATMs accept US debit cards, but carry backup -- U.S. debit cards are widely accepted at overseas ATMs, but carry credit cards, too, to be safe ... (See ATMs)

Fed: Credit card banking remains highly profitable -- Big card-issuing banks get triple the earnings, annual Fed profitability report says ... (See Profitable)

Business credit card statistics -- Many entrepreneurs rely on credit cards to keep their small businesses running. Check out these statistics on their charging and payment habits ... (See Business card statistics)

Financing your business without relying on personal credit -- You can fund a startup without a personal guarantee, but it won’t help you build business credit ... (See Business credit)

Which 0-percent card should be paid off first? -- Priority should be given to the card with the closest expiring APR offer ... (See 0-percent)

Infographic: Cards gain ground as payment method -- Fewer Americans are using paper-based payments in 2016, while almost all plastic and electronic forms are on the rise ... (See Payments)

Card issuers need court judgments to seize debt payments -- Behind on card payments? Issuers can't withdraw debt payments straight from your -- or your spouse's -- bank accounts without legal action ... (See Debt)

Video: Credit card payment due dates explained -- There is more to your credit card payment due date than you may realize. Kristin Wong explains three things to keep in mind ... (See Video: Credit card due dates)

Who sees credit report 100-word statements -- Not many lenders bother with them; you may want to remove old ones ... (See 100 words)

Average card APR falls to 15.17 percent: Rate Report -- After remaining at 15.19 percent for seven weeks, the national average annual percentage rate slid to 15.17 percent ... (See Rates )

Set rules when adding child to your card for foreign travel -- As an authorized user, you can keep track of his charges and know he's covered in case of an emergency ... (See Travel)

4 credit lessons women can learn from men -- Sometimes "thinking like a man" can be the right money move ... (See Lessons)

Fed: April card balances rise 2.1 percent -- Americans continued to favor credit cards in April, as card balances rose $1.7 billion (2.1 percent), according to the Fed's latest consumer credit report. ... (See Balances)

6 credit card rules for newlyweds -- Credit discussions are just as important as divvying up household chores ... (See Newlyweds)

Splitting reward points from a small business -- Credit card rewards usually belong to whoever signed up for the account. But small-business partners should discuss whether to split them up or use them for business expenses. ... (See Business rewards)

Plan carefully before opening multiple small-business credit cards -- Multiple business cards may help your credit score and increase your rewards-earning potential, but first consider how you will manage them ... (See Business cards)

Poll: 4 in 10 co-signers lose money -- Helping out a credit-challenged friend or family member by co-signing can damage to credit and relationships ... (See Co-sign)

Just 10 credit score points shy of a mortgage -- These strategies will help you get the final points needed to qualify for that home loan ... (See 10 points)

CFPB proposes regulations on payday loans, other 'debt traps' -- Consumer bureau's rules aim to make small-dollar loans safer without cutting off emergency credit for subprime borrowers ... (See Payday)

Rate survey: Average card APR holds steady at 15.19% -- June 1, 2016: The average credit card interest rate remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

Minor's co-signed bank account at risk of parents' garnishment -- Even if a minor earns the money, it's a parental asset , and one that would tempt a debt collector ... (See Garnish)

Video: Chargebacks hit merchants not ready for EMV chip cards -- Small businesses who have not upgraded to EMV chip card readers are facing expensive chargebacks from banks ... (See Chargebacks)

ATMs changing to accept EMV chip cards -- Consumers should expect some ATM changes as the next wave of EMV migration takes place ... (See ATMs)

Hunting for the best cash-back rewards card -- The "best" card for you depends on your preferences and spending habits. But when it comes to cash-back rewards, don't settle for less than a 2 percent payoff ... (See Cash back)

Title loan causing overdrafts? You may have recourse -- Title loans can put you into a vicious circle of debt through automatic withdrawals from your bank account. But if the lender doesn't follow certain rules, you may be able to file a formal complaint ... (See Loan)

Removing your name from a joint account after divorce -- You're still responsible if ex doesn't pay. If you're on good terms, and ex has good credit, a balance transfer would work ... (See Divorce)

100-word credit report statement: 6 ways it can hurt you -- Sometimes too much information can come back to haunt you ... (See Report)

Options for escaping penalty rate APRs -- Six months of on-time payments can force a rate review ... (See Penalty rate)

Infographic: The financially happy now outnumber the unhappy -- For the first time since before the Great Recession, the majority of Americans feel cheerful about their finances ... (See Financially happy)

Prepaid card fee disclosure chart -- We checked the disclosure of fees for 10 widely available prepaid cards. Here's what we found ... (See Prepaid fee disclosure chart)

Most prepaid cards fail to disclose fees -- We checked 10 prepaid cards' disclosures against a federal model for transparency; 7 fall short ... (See Prepaid)

Rate survey: Average card APR remains at 15.19 percent for a 6th week -- May 25, 2016: Interest rates on new credit card offers held still this week, according to the Weekly Credit Card Rate Report. ... (See APRs)

What types of income qualify on card applications? -- Gross or net? Household income or wages? Breaking down income qualifications when applying for a card ... (See Income)

10 warning signs of ID theft -- Data breach notices and bogus charges on your card are just two red flags. Here’s what to do if you suspect fraud ... (See ID theft)

Options abound for redeeming reward points -- Bank-related reward programs offer a lot of redemption choices. But consider how many points each kind of reward requires ... (See Rewards)

For tip-earning employees, credit card surcharges may beat alternative -- Credit card surcharges are complicated and may irritate customers. While that could hurt the tips of the merchant's employees, it may be better for them than one alternative ... (See Fees)

Overcoming 5 merchant barriers to EMV chip cards -- What to do if your business hasn't become EMV-ready because of costs, certification delays and consumer complaints ... (See EMV )

Consumers’ rights to accurate credit reports get boost -- Consumer advocates buoyed by a Congressional proposal to make the credit reporting system fairer and a Supreme Court decision upholding right to accurate information reporting ... (See Credit reports)

More parents giving their kids credit cards -- The number of children ages 8-14 with access to their parents' credit cards has quadrupled ... (See Kids)

Authorized user kept charging on deceased dad's card -- Five years after her father died, daughter wonders who is liable for the balance ... (See Liability)

Good payment habits will raise score after balance transfers -- Multiple balance transfers led to multiple hard inquiries and a score drop, but you should be able to turn it around ... (See Transfer)

Poll: 8 in 10 Americans pay for summer vacation with savings -- Less than half will take a break at all; 13 percent who do pay with rewards, says a scientific survey by ... (See Vacation poll)

Rate survey: Average card APR holds steady at 15.19 percent -- May 18, 2016: Interest rates on new credit card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Video: Saving on a spa getaway with credit card points -- If you think going to a spa resort is out of your price range, saving up just the right kind of points can help get you within reach ... (See Video)

Dispute duplicate student loans entries on credit reports -- When a loan is bought and sold multiple times, it can create credit report havoc ... (See Duplicates)

Is it time to ditch my airline card for bank rewards or a Costco card? -- How to evaluate the benefits, costs and your preferences to find the right rewards card ... (See Rewards)

Credit card issuer can't garnish your Social Security check -- Contact the company and ask about a hardship program ... (See Garnish)

Confessions of credit card customer service reps -- Current, former reps reveal what they can, can’t do when you call in ... (See Reps)

Some states offer exceptions to credit reporting rules -- Negative items can come off your report sooner in New York, California ... (See Exceptions)

Wal-Mart sues Visa over debit choice -- Retailing giant says it wants to require PIN transactions on debit cards to reduce fraud and transaction costs ... (See PIN vs. signature)

Infographic: Mobile payments quickly rising -- Smartphone payments are gaining traction among consumers -- and quickly ... (See Mobile payments rising)

Survey: Average card APR remains unchanged at 15.19 percent -- May 11, 2016: Average rates on new credit card offers stayed put this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Elder financial abuse: How families can cope -- Besides harming the senior who's been targeted, elder financial abuse often leaves relatives with psychological and financial stress surrounding what's happened to their loved one ... (See Elder abuse)

Low utilization boosts balance transfer deal approval odds -- Zero percent balance transfer deals are often reserved for those with high credit scores ... (See 0% deals)

Video: Secured credit cards, explained -- If your credit score is low, you can build your credit by using a secured credit card ... (See Score)

What to do when strange charges appear on your bill -- If there is a charge on your bill that you did not authorize, you should contact your issuer immediately ... (See Fraud)

Money quirks: The weird things we do with money -- Some quirks are useful at soothing financial anxiety. Others can cross over into being harmful ... (See Money quirks)

Startup didn't launch, so credit rebuilding needed -- Living on credit cards during startup has risks, but with time you can recover a good credit score ... (See Startup)

Infographic: 2016 sees card debt, delinquency uptick -- Though the number of people who fail to pay debt is not as high as it was in the Great Recession, it has started to increase in 2016 ... (See Delinquency rates)

Fed: March card balances rise 14.2 percent -- Consumers added $11.1 billion to their credit card balances in March, the Federal Reserve said Friday ... (See Balances)

Credit building tips you thought were wise, but simply aren’t -- What if all that credit climbing wisdom you learned along the way is wrong — or worse, could actually backfire? ... (See Tips)

CFPB proposes arbitration limits -- Consumers would get back their right to a day in court under a rule proposed Thursday by the U.S. Consumer Financial Protection Bureau. ... (See Arbitration)

9 tips for renting a car with a debit card -- You can almost always rent a car with a debit card, but expect extra hassles ... (See Debit)

Survey: Average card APR remains near record high -- May 4, 2016: Average rates on new credit card offers remained unchanged this week, according to the Weekly Credit Card Rate Report. ... (See APR)

Walmart MoneyCard prepaid card does not build credit -- If you're looking to build up your credit, prepaid cards are the wrong path to take ... (See Prepaid)

Shopping beacons with targeted marketing messages expand -- Tracking devices that let you opt in to receive location-relevant information on your smartphone are becoming more widespread ... (See Beacons)

British Airways Avios program both confusing and useful -- Avios can be hard to understand but offer a strong value on some flights ... (See Avios)

Using personal credit card for work expenses: 8 tips -- It’s common, but not always fair, for companies to ask employees to pay work expenses upfront and get reimbursed later ... (See Personal )

How to protect your credit when your spouse starts a business -- You can help your entrepreneurial spouse make sure their startup doesn't jeopardize the family's finances ... (See Credit)

Quick fixes for temporary repayment problem -- When life throws a curveball and you can't pay your bills one month, here's what you can do ... (See Bills)

RushCard drops retail sales -- Market pullback comes six months after outage sparked federal investigation, class-action lawsuits ... (See RushCard)

Top 10 credit bureau myths -- Just how the bureaus work and who they work for are often misunderstood ... (See Myths)

Fed holds interest rates steady for now -- The Federal Reserve decided to keep its influential benchmark rate unchanged, while hinting at a rate increase later this year ... (See Fed)

Infographic: Female college students edge males in credit smarts -- Female students do a bit better in handling credit, says a Sallie Mae study ... (See College student credit smarts)

Average card APR remains unchanged at 15.19 percent: Weekly Credit Card Rate Report -- April 27, 2016: Average rates on new card offers remained near record highs this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

How to build credit when you're not a US resident -- Getting a U.S. address and Individual Taxpayer Identification Number are the first steps ... (See Credit)

4 credit lessons men can learn from women -- New studies reveal women to be smart, savvy spenders, maybe more so than men ... (See Men)

FAQs on new Costco Citi Visa card -- We answer the most-common reader questions prompted by the warehouse club’s credit card switch from American Express to Citi ... (See Costco Citi Visa FAQ)

Video: Restaurants fight card fraud with tableside payments -- A pay-at-the-table approach may help stem fraud that can occur when a waiter disappears with your card. ... (See Fraud)

No permission needed for card updater services -- Merchants don't need your permission to use these services, but if you don't want to renew, you can always cancel your subscription ... (See Update)

Big balance transfers may run into limits -- Zero-percent loans are great, but you might not be able to transfer all your debt to one ... (See Balance)

Account takeover fraud rising -- As credit card numbers fall in value on the black market, thieves are turning to a much more lucrative form of ID theft ... (See Takeover)

Getting a refund tougher if you buy with debit card -- Late or nondelivery refunds not fully guaranteed with debit purchases ... (See Dispute)

Card account isn't closed if annual fee still charged -- Despite not using the card for years, if you are still getting charged a fee, your card company considers the account open ... (See Closed )

Poll: Women lose more sleep over money worries than men -- When it comes to financial matters, women worry more and sleep less than men, according a new poll. ... (See Poll)

Infographic: How generations view financially 'making it' -- Views across generations of what "making it" financially means to them ... (See Generation finances)

Rate survey: Average card APR jumps to 15.19 percent -- April 20, 2016: The average interest rate on new credit card offers rose to a near record high this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Used right, subprime cards can help rebuild credit -- Subprime or secured cards can pave the way to a better credit score ... (See Subprime)

Study: Payday loans trigger overdraft fees -- Online payday borrowers who miss repayment face average $185 in bank overdraft fees, federal study finds ... (See Payday loans)

Infographic: Credit card complaint rates -- Some credit lenders manage to lessen the number of complains lodged against them in 2015, compared to 2014 ... (See Complaints)

4 authors on how better credit can make you happy -- Money can't buy happiness, but some well-known authors say taking steps to improve your credit can ... (See Happiness)

Frequent flier miles may live on after death -- Airlines often allow transfers of frequent flier miles to beneficiaries when a member dies, even if written policies are vague ... (See Transfer miles)

Video: 3 things to know about credit card minimum payments -- Find out what a minimum payment is, how it's calculated and how it affects your debt -- in about a minute. ... (See Payment)

Don't tap IRA to pay back taxes -- Cashing out IRA may cause you to end up with yet another tax bill ... (See IRS)

Mobile payments laws have gaps but you can still stay safe -- As the use of mobile payments grows, laws offering fraud protections have not caught up. Here's how to stay safe despite gaps in regulations ... (See Mobile)

Positive info not always reported to all 3 credit bureaus -- Big swings in credit scores can result, and that can hurt if you're borrowing ... (See Scores)

Survey: Average card rate holds steady at 15.16 percent for 10th week -- April 13, 2016: The average credit card interest rate remained unchanged Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

How a secured card's security deposit works -- Your deposit acts as your credit line and is refunded once the card is closed and the balance paid off, minus any fees ... (See Secured card)

Credit card companies may be analyzing your voice -- With call-center fraud rising, your voiceprint will authenticate you as a customer ... (See Voice)

How to switch your rewards card -- Whether you need to close your old card when you apply for one with better rewards depends on the card's fees and perks ... (See Rewards card)

Video: Payment biometrics go beyond mobile fingerprint scanners -- The latest wave of biometrics incorporate voice authentication, face recognition and other technologies to keep your payments secure ... (See Biometrics)

Infographic: Spigot held tight on subprime credit -- Credit limits for subprime consumers are down from a year ago ... (See Subprime credit)

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

Split payments: Using two cards for one transaction -- Retail stores often allow you to use two different cards to pay for purchases. But it's a different story when online shopping ... (See Split )

Handling employee abuse of business credit card -- It is not a crime for authorized users to put personal expenses on a company-issued credit card. But there may be simple ways to recoup the costs and prevent future abuse ... (See Abuse)

Paper or emailed credit card statements: Which are better? -- Electronic billing is convenient, saves trees -- but you might miss a payment ... (See Statements)

Fed: February card balances bounce back -- Consumers are adding to their credit card balances, as card debt increased 3.7 percent in February, the Federal Reserve said Thursday. ... (See Debt)

Poll: 70 percent of consumers have EMV chip cards -- Chip card issuance surges, according to a new poll, but retailer acceptance lags ... (See Poll)

Rate survey: Average card rates remain fixed at 15.16 percent for 9th week -- April 6, 2016: The average credit card interest rate held firm Wednesday, according to the Weekly Credit Card Rate Report. ... (See Rates)

Salaries of CEOs at nonprofit credit counseling agencies -- As industry shrinks, executives pull in six- and seven-figure paychecks ... (See CEO pay)

While in credit recovery, apply for new card with care -- To maximize your score and get the best new card possible, pay off balance on old card first ... (See Score)

Tax refunds: Urges to save it, spend it clash -- Study shows that most who spend it on needed items or paying down debt feel better rather than those who saved it ... (See Tax refund)

Details emerge on new Citi Costco card switch -- Warehouse giant will accept any Visa starting June 20, 2016 ... (See Costco)

5 things to know before requesting a credit-line increase -- Before you request a credit increase, think about how it will affect your credit score and why you need the added amount ... (See Credit line)

Tips for breaking your merchant services contract -- It helps to know what's in your credit card processing contract before you try to break it ... (See Services)

5 ways women can compensate for the gender wage gap -- Good money habits can minimize the effects of an unequal salary ... (See Gap)

What you need to know about credit card, debit card 'holds' -- Gas stations and hotels use credit card 'holds' and 'blocks' that may limit access to your own credit and cash ... (See Holds)

Survey: Average card rate remains locked at 15.16 percent for 8th week -- March 30, 2016: For the eighth week in a row, the average credit card interest rate remained stuck at 15.16 percent, according to the Weekly Credit Card Rate Report. ... (See Rates)

With high credit score, adding new travel card not a problem -- With responsible use, adding another card to your arsenal has advantages ... (See Reward)

Threat of tax fraud, tax ID theft grows -- The year 2016 has already seen a surge in email tax fraud, the IRS warns, and private tax collectors may add to the confusion ... (See Tax ID theft)

7 things you never budget for (but need to) -- There's always that surprise expense that lands on your credit card ... (See Budget)

Getting the most out of multiple rewards cards -- Which to use? Know your spending habits, and look at costs, benefits ... (See Rewards)

8 embarrassing credit and debit card moments -- Times when cardholders wished the ground underneath them would open up and suck them in ... (See Moments)

Can a state mandate businesses accept cards? -- No law requires a merchant to take credit or debit cards in payment, but businesses that spurn them risk losing customers ... (See Acceptance)

Hard inquiries: How they work when you apply for credit -- Our experts explain how much they hurt your credit score and how long they linger on your report ... (See Hard inquiry)

Co-signed card leaves mom's credit in ruins -- When her daughter couldn't pay the bill, collectors turn to her mom ... (See Co-sign)

Lenders may remember old charge-off forever -- Nothing requires a lender to grant more credit if you still owe a debt, despite it falling off your credit report ... (See Charge-off)

Banks reject more card applications -- Lenders stamped "reject" on more credit card applications in the New York Fed's latest survey, reversing course ... (See Rejection)

Women edging men in the battle of credit smarts -- A new study found that despite the fact that women have more credit cards open then men, they rack up less debt ... (See Gender and credit)

Survey: For 7th week, average card rate remains at 15.16 percent -- March 23, 2016: The average credit card interest rate held firm this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Secured card, patience needed to boost score -- Improving a credit score requires many cycles of consistently paying debt ... (See Score)

Poll: Pay with cash or card for $5 purchase? -- Millennials are most likely to use cards for small purchases, and they love debit cards, our poll reveals ... (See Poll)

6 ways stay-at-home parents ruin their credit -- Taking care of your kids also means taking care of your credit. Avoid these credit mistakes that parents often make ... (See Credit)

Ditch or keep rewards card when annual fee comes due? -- With the sign-up bonus spent and a big fee due, it’s OK to cancel or downgrade a card ... (See Fee)

Millennials most likely to fall prey to scams -- Younger generation comfortable, but not always careful, with technology ... (See Scam)

To qualify for business loan, lower your personal credit use -- A careful balance transfer may help lower credit utilization ... (See Credit use)

Married, single people differ in views on relationships, money -- Everyone cares about money, but married people tend to see more financial red flags, a new survey finds ... (See Money and relationships)

Car lien shouldn't come as a surprise -- People just can't randomly attach liens to your property without notice ... (See Car lien)

More merchants adding credit card surcharges -- Surcharges for paying with cards appear to be on the rise ... (See Surcharges)

Infographic: Millennial money perspectives -- Millennials want to avoid debt and they attribute debt with credit cards according to a new study ... (See Graphic: millennials)

5 times it makes sense to call your card's customer service -- If you’re confused about terms or have problems, just make the call ... (See Phone )

Wrong address in credit report worrisome, but won't hurt score -- Bureaus use formula to decide which address is current ... (See Address)

Cardholders spared APR increase for now -- The Federal Reserve's rate setting committee voted to keep its benchmark rate at the level set in December and lowered expectation for the pace of future increases ... (See Fed)

Average card rates remain at 15.16 percent for 6th week: Weekly Credit Card Rate Report -- The average credit card interest rate remained locked in place this week, according to the Weekly Credit Card Rate Report ... (See Rate report)

5 ways an ex can ruin your credit during breakup, divorce -- Heartbreak is compounded by financial hurt if there's revenge spending or a vacation with a lover on a shared credit card ... (See Divorce)

Wait for bankruptcy discharge before applying for credit -- Only in a few circumstances will new credit be allowed during bankruptcy proceedings ... (See Discharge)

Help! I need points fast for a summer trip! -- Earning points in a hurry is possible but requires some planning and spending ... (See Miles)

Improperly closed business can cause tax collection headaches -- Tax collectors may come after a small business that is sold but not officially closed. But there are ways to fight back ... (See Tax collectors)

What to do when kids charge $2,500 to your card for iTunes -- When kids use a card to rack up charges without your knowledge, you should dispute the bill ... (See iTunes)

Activation sticker shock: New card may arrive already 'live' -- If you open a credit account, odds are your new card will need to be activated upon arrival. However, issuing bank practices vary. ... (See Activation)

Infographic: Average card balances by age 2003-2015 -- Seniors have more credit card debt, other age groups less ... (See Card debt by age)

High installment loan utilization hurts your credit score -- Owing a lot on installment loans isn't as damaging as maxing out a card, but it still suppresses your credit score ... (See Installment)

Debt collectors prey on soldiers and veterans -- Military personnel move regularly, earn steady paychecks and have to protect their security clearances. That makes them more vulnerable to illegal debt collection practices ... (See Military)

Rate survey: Average card rate sits tight at 15.16% -- March 9, 2016: The average credit card interest rate didn’t budge this week, according to the Weekly Credit Card Rate Report. ... (See Rates)

Getting, building credit requires an income -- Issuers want to see that you have the ability to repay what you borrow ... (See New to credit)

Poll: Most cardholders who ask get late fees waived, rates reduced -- Cardholders who ask, receive. Yet only a small number are making those requests, says a poll of 981 cardholders ... (See Poll)

Creating a financial backup plan for singles -- If a crisis keeps you from paying your bills, a financial backup plan can keep creditors at bay ... (See Single)

Options dwindle for paying mortgage, car loan on credit -- It's possible, but requires 'manufactured spending' techniques that are both risky and complex ... (See Points)

Fed: Card balances fall first time in 10 months -- Credit card debt decreased 1.3 percent in January, the Federal Reserve said Monday, breaking a 10-month streak of expanding card balances. ... (See Fed)

Paying deceased's bill doesn't imply liability for authorized user -- Authorized users are not responsible for debt incurred on a credit card account, even if they make payments after the primary cardholder dies ... (See Liability)

You may need good credit to get old -- Many seniors stop worrying about their credit scores once they've paid off their homes and cars. That's a mistake: Assisted living facilities and nursing homes often check credit ... (See Seniors)

How you type, move your mouse may help catch fraudsters -- Some banks and e-commerce sites are monitoring your unique typing and mouse movements to verify your identity and spot fraud ... (See Security)

Promotional inquiries' impact on your credit score -- They crop up on your credit report when a lender has a 'prescreened' offer for you, but don't directly impact your score ... (See Inquiries)