John Egan

John Egan is a writer, editor and content strategist in Austin, Texas. Aside from CreditCards.com, his work has been published by Bankrate, HuffPost, Credit Karma, LendingTree, PolicyGenius, Vitacost, SpareFoot, LawnStarter and other online outlets. He earned a bachelor’s degree in journalism from the University of Kansas and a master’s degree in communications from Southern New Hampshire University.

John Egan's stories at CreditCards.com

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 )

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 )

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)

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 )

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 )

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 )

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)

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)

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 )

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

Poll: Americans spend more than $100 billion on sports -- Gyms, equipment and lots of sporting events can wallop the wallet ... (See Sports spending poll)

After Hurricane Harvey: How cardholders can help -- Rewards can be cashed in or charges can earn points, but beware of scams Meanwhile, some big card issuers with sites to make it easier to donate are having some technical issues. ... (See Help)

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)

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)

4 unexpected ways to earn rewards from grocery shopping -- Here are four other ways than buying groceries to earn rewards ... (See 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)

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)

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)

Happy 50th birthday, ATM, you've come a long way -- Inventor of money dispenser says idea came to him in the bathtub. ... (See ATM)

Are in-car payments a deadly convenience? -- Voice-activated technology aims to reduce danger, but safety experts fear driver distraction ... (See Killer app)

Business credit cards: 5 ways to avoid being stung -- Compared to business loans, credit cards are easy to get. But that makes them easy to abuse, too. Here are 5 ways to avoid getting stung. ... (See Business credit cards)

10 wacky ways to spend 'stimulus' money -- Anyone can be responsible with the windfall from the economic stimulus package. But can you creatively blow the money? We could. Here are 10 ideas. ... (more)

10 wise ways to spend 'stimulus' money -- Here's 10 suggestions from experts for smart ways to spend the windfall from Uncle Sam's economic stimulus package. ... (more)

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

Older Americans' credit card debt rising -- Bankruptcy filings up among older credit card users, but experts offer quick ways to rein in debt. ... (more)

9 ways to avoid the subprime spillover problems -- The tightening of credit in the mortgage world has had limited effects so far among credit card issuers, but there are ways to make sure it won't hit you at all, experts say. ... (more)

Subprime mortgage mess eludes credit cardholders, so far -- The credit tightening caused by the subprime mortgage meltdown has so far only singed credit cardholders. ... (more)




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Updated: 12-13-2018