Dan Rafter

Dan Rafter

Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.

Dan Rafter's stories at CreditCards.com

Contactless credit card: How 'tap-and-go' cards work, which U.S. banks issue them -- Contactless cards, which you tap instead of dipping or swiping, currently make just a tiny fraction of the credit card market in the U.S. But that may be about to change. ... (See Contactless 'tap-and-go' credit card 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)

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)

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)

Bank of America balance transfer guide -- Considering a balance transfer to a Bank of America 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 Bank of America card)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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

6 exceptions to paying tax on forgiven debt -- Before you write a check to the IRS for forgiven debt, see if you qualify for one of these exceptions to paying tax on that debt you didn't have to pay ... (See Forgiven debt exceptions)

1099-C surprise: Canceled debt often taxable as income -- Many consumers aren't aware that forgiven credit card debt may be taxable income, and it shows up on an IRS 1099-C form ... (See 1099-C surprise)




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Updated: 03-23-2019