Credit account management

It's not your father's credit card any more. Credit card companies have become more wily about how they make money off of you. Stay a step ahead of them by understanding the increasingly complex topic of credit.





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 Credit account management

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)

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 CreditCards.com 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)

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)

State credit card debt study: New Mexico, southern states carry heftiest load -- A new analysis by CreditCards.com 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 )

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)

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 )

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)

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)

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)

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)

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?)

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)

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 )

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 CreditCards.com 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 CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly rate report)

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)

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)

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)

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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly rate report)

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)

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)

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 )

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)

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)

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)

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)

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?)

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 )

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 )

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)

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))

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)

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 )

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)

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)

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)

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 )

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

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 CreditCards.com Credit Card Fee Survey. ... (See 2018 Credit Card Fee Survey)

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)

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)

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)

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?)

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 CreditCards.com Weekly Credit Card Rate Report. ... (more)

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 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 )

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 CreditCards.com Weekly Credit Card Rate Report. ... (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)

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)

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 )

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)

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 CreditCards.com 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)

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)

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 )

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)

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 CreditCards.com 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)

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 )

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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 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 )

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)

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)

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 )

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)

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 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)

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)

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

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

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)

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)

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)

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 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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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 CreditCards.com 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 )

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

Rate survey: Average card APR remains at record high of 16.71 percent -- May 9, 2018: None of the cards included in CreditCards.com'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)

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)

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 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)

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)

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 CreditCards.com 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)

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)

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 CreditCards.com 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)

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 CreditCards.com poll shows. ... (See Fee waiver poll)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

How to find hotel deals on hotel booking sites -- The best hotel deals often can be found on third-party websites ... (See Hotel deals)

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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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 CreditCards.com poll ... (See Favorite card)

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 )

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 CreditCards.com 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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly rate report)

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)

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)

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)

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)

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 CreditCards.com 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?)

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)

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)

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)

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 CreditCards.com 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 )

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)

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)

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)

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 CreditCards.com 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 CreditCards.com analysis found. By contrast, San Francisco and Minneapolis residents would take the shortest. ... (See Cities with most, least card debt burden)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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 CreditCards.com 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)

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)

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)

Tips from finance experts: 'If you only do one thing, do this' -- Overwhelmed by your finance goals? Experts give specific tips on how to ensure you improve your finances this year ... (See One thing this year)

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)

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)

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 CreditCards.com 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)

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)

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)

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 CreditCards.com 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)

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 )

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com'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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

Save money in the new year with these 8 card tricks -- Want extra cash to spend in the coming year? Gaze into your bill and look for unnecessary charges ... (See Save money in 2018)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See CreditCards.com 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)

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 )

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 CreditCards.com 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 CreditCards.com Weekly Credit Card Rate Report. ... (See CreditCards.com 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)

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)

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?)

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 CreditCards.com 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)

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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Card APRs remain fixed)

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)

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)

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)

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)

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)

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: CreditCards.com Weekly Credit Card Rate Report -- Nov. 8, 2017: Interest rates on new credit card offers didn’t budge Wednesday, according to the CreditCards.com 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)

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)

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)

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)

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)

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)

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)

Average card APR remains at 16.15 percent for seventh week: CreditCards.com Weekly Credit Card Rate Report -- Nov. 1, 2017: Interest rates on new credit card offers held steady Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Weekly Rate Report)

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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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 CreditCards.com. ... (more)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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 )

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.)

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 CreditCards.com 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)

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)

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 )

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 CreditCards.com Weekly Credit Card Rate Report. ... (See CreditCards.com rate report)

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)

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)

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)

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 )

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 )

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 CreditCards.com 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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

Sending kids off to college with a rewards credit card -- Sending your kids off to college using a rewards credit card can help you earn rewards points while teaching your kid how to be financially responsible. ... (See College)

Retailer gone bankrupt? What retail card holders should do -- You still owe any balances, even when the bankrupt retailer cancels its cards ... (See Retail cards and bankruptcy)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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)

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)

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 CreditCards.com 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)

Paying for a rental car with debit card: 9 obstacles -- Want to rent a car using a debit card? Expect extra hassles. ... (See Rental )

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)

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)

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 CreditCards.com 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)

Charge cards dying out as rewards get juicier -- The trailblazing charge card tries to differentiate in crowded card market ... (See Charge card)

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)

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 CreditCards.com 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)

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)

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)

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)

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 CreditCards.com 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)

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)

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 -- CreditCards.com 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)

5 apps to turbocharge back-to-school savings -- Mobile discount and coupon apps puts back-to-school savings at your fingertips ... (See Apps)

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 CreditCards.com 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)

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 )

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)

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)

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)

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)

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)

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)

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 CreditCards.com 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)

5 money management tips for Generation X -- Even in your 40s, there's still time to master your finances ... (See Gen X)

Infographic: Who uses digital wallets, and for what -- For now, they're the province of young urbanites with high incomes ... (See Digital wallets)

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 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)

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)

Fed boosts rates another quarter-point -- The Federal Reserve voted to increase its target federal funds rate by a quarter point, triggering an equal rise in APRs on credit card balances ... (See Fed)

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 CreditCards.com 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)

Consumer fear of missing a debt payment is on the rise -- Fear of missing a minimum debt payment rose for the third month in a row in May, according to the Federal Reserve Bank of New York Survey of Consumer Expectations ... (See Fear)

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)

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)

Store cards urged to reconsider 'deferred interest' credit card offers -- The Consumer Financial Protection Bureau sent a letter to retail card companies urging them to reform their 0-percent "deferred interest" promotions to make them simpler, less risky for consumers. ... (See Retailers)

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: CreditCards.com 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 CreditCards.com Weekly Credit Card Rate Report ... (See APRs)

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)

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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

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)

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)

What is a good credit score? -- What is a good credit score? That depends ... (See Good credit)

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 CreditCards.com 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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

7 times when bankruptcy can make sense -- Common scenarios when bankruptcy should be seriously considered ... (See Bankruptcy)

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)

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 CreditCards.com 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)

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)

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)

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 CreditCards.com 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)

5 ways 'credit invisibles' can build a credit profile -- No credit profile? With a few steps, create or rebuild a credit history ... (See Invisibles)

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)

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 CreditCards.com 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 CreditCards.com 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)

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)

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 CreditCards.com 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)

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)

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 CreditCards.com 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)

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)

'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)

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)

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)

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 CreditCards.com 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)

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 CreditCards.com 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 CreditCards.com 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)

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)

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: CreditCards.com Weekly Credit Card Rate Report -- March 15, 2017: The national average APR on new card offers stayed put this week, according to the CreditCards.com 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)

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)

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 CreditCards.com 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)

Fed: Card balances fell $3.8 billion in January -- Credit card balances fell in January, according to the Federal Reserve ... (See Debt )

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)

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)

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)

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 CreditCards.com 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 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)

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 Creditcards.com? -- Creditcards.com 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)

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 CreditCards.com 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)

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)

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 CreditCards.com 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 CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

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)

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 CreditCards.com 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)

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)

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 -- Creditcards.com 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)

Canceling new card won't restore credit score -- The damage is already done, canceling won't undo it ... (See Cancel)

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)

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)

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)

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)

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)

Charged Up! Podcast: Answers to your debt questions -- Creditcards.com 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: CreditCards.com 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 CreditCards.com 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)

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)

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)

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)

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)

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)

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)

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)

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)

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?)

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)

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 CreditCards.com national poll ... (See Debt-free)

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)

'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)

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)

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)

Be cautious before helping seniors with their finances -- Know what you're getting into before stepping into a legal thicket ... (See Elder finances)

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)

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)

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)

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)

Which cards let you be a co-signer, joint account holder -- Some issuers let consumers share accounts, others don't ... (See Joint)

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)

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)

How a credit card helps boost scores for future mortgage -- Mortgage lenders like to see you handle multiple lines of credit responsibly ... (See Mortgage)

Mobile wallet providers roll out rewards -- Incentives offered to get more consumers to pay by phone ... (See Mobile)

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)

With balance transfers, watch your individual card utilization -- If transfer will eat up available credit, expect a credit score hit ... (See Transfer)

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 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)

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)

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)

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 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)

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)

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 CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Deceased dad left trail of fraudulent accounts -- A grown son discovers dad used his info to open card accounts in his name ... (See Theft)

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 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 CreditCards.com 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)

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 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)

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)

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)

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)

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)

How to restore your good credit score to great -- Examine your recent loan-related activity to find what caused the drop ... (See Score)

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)

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)

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)

Autopayments, though convenient, can backfire -- Autopay may be convenient, but sometimes it's best to make payments manually ... (See Autopay)

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)

Small-business owners are more credit savvy than consumers -- Small-business owners beat consumers in managing credit ... (See Business )

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)

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)

What to do if you suspect card fraud by a customer -- How to prevent a purchase being made with a fraudulent card. ... (See Fraud)

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 CreditCards.com 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)

Bobbi Rebell's money moguls' 'Financial Grownup' moments -- ShreShrewd money managers reveal their financial 'aha' moments in Rebell's new book ... (See Rebell)

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)

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)

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)

Calculate your rewards card's value: 8-point checklist -- Take count of what you get before paying a big annual fee ... (See Value)

Social Security benefits protected from garnishment -- As long as your benefits are direct deposited to your bank, creditors can't take them ... (See Debt)

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)

If mom opens cards in your name, it's family fraud -- Start with a conversation, then get a police report ... (See Fraud)

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)

Being added as authorized user can boost credit age, score -- Young to credit? Your parents' well-aged card could help ... (See Age)

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)

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)

9 confusing credit card terms explained -- The lexicon of credit card terms can be confounding. Here's some help ... (See Terms)

Card account keeps getting hacked. Close it? -- Canceling a card can impact credit score, but it may be necessary ... (See Hacked)

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)

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)

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)

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)

To escape from crummy cards, you need a plan -- Get basic good credit behavior down pat; worry about the nuances later ... (See Crummy)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

How becoming a widow affects credit -- Becoming suddenly single won't hurt credit if you have your own ... (See Widow)

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 CreditCards.com 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)

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)

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)

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)

Rewards bubble hasn't popped ... yet -- Points, miles and cash back gush at unprecedented levels, but what goes up must come down ... (See Bubble)

Don't try to fix and flip houses with 0-percent cards -- Risky investments require cash reserves, not plastic ... (See Flipping)

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)

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)

Millennials, now house-hungry, struggle to build credit -- Late to homebuying but eager, millennials look for quick, creative credit score cures ... (See Homebuying)

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 CreditCards.com survey. ... (See Fees)

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)

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)

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)

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)

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 CreditCards.com 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)

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)

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)

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)

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)

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)

Lowering credit limit on new card can hurt scores -- The higher the credit line, the better, as long as balances stay low ... (See Scores)

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 CreditCards.com national poll finds ... (See Paper statements)

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)

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 CreditCards.com'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? CreditCards.com 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)

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. CreditCards.com 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)

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)

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)

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)

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)

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)

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)

ATMs changing to accept EMV chip cards -- Consumers should expect some ATM changes as the next wave of EMV migration takes place ... (See ATMs)

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)

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)

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 CreditCards.com ... (See Vacation poll)

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)

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)

Infographic: Mobile payments quickly rising -- Smartphone payments are gaining traction among consumers -- and quickly ... (See Mobile payments rising)

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)

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)

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)

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)

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)

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)

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)

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 CreditCards.com poll. ... (See Poll)

Infographic: How generations view financially 'making it' -- Views across generations of what "making it" financially means to them ... (See Generation finances)

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)

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)

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)

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)

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)

Infographic: Spigot held tight on subprime credit -- Credit limits for subprime consumers are down from a year ago ... (See Subprime credit)

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 )

Paper or emailed credit card statements: Which are better? -- Electronic billing is convenient, saves trees -- but you might miss a payment ... (See Statements)

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)

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)

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)

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)

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)

To qualify for business loan, lower your personal credit use -- A careful balance transfer may help lower credit utilization ... (See Credit use)

Millennials most likely to fall prey to scams -- Younger generation comfortable, but not always careful, with technology ... (See Scam)

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)

Average card rates remain at 15.16 percent for 6th week: CreditCards.com Weekly Credit Card Rate Report -- The average credit card interest rate remained locked in place this week, according to the CreditCards.com 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)

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)

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 CreditCards.com 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)

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)

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)

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)

9 things to know about secured cards -- They start with a security deposit, and, when done right, end with you getting improved credit ... (See Secured card)

Charging after bankruptcy filing can backfire -- Racking up card chages during a time of repayment can lead to trouble ... (See Chapter 13)

Financial management tips for after a loved one dies -- When a loved one dies, things like paying the bills can fall to the wayside ... (See Tips)

Video: Couples score free honeymoons using rewards points -- Here's how two couples paid for their honeymoon with rewards points earned on wedding expenses ... (See Honeymoon)

Yes, merchants can get new card info on recurring charges -- Updater services allow merchants to know when your credit card information changes, and to alter their records accordingly. If you don't want to continue the subscription, you'll need to cancel it directly ... (See Updater)

Authorized user not covered by service member's APR protections -- The SCRA won't help lower card APR for an active-duty authorized user ... (See Military)

New lenders shun FICO, create their own scores -- Alternative lenders are turning to homegrown scoring algorithms to evaluate 'thin-credit' customers ... (See Score)

Infographic: The life cycle of a credit card -- A Boston Federal Reserve study shows how credit card debts and credit limits rise and then fall over the course of the average consumer's lifetime ... (See Life cycle of a credit card)

Video: Digital fingerprints can be hacked, too -- No system is foolproof, but fingerprint hacking is an unlikely target for identity thieves ... (See Video)

Credit utilization rules for managing your credit score -- General credit utilization rules: Closing a card will never help your score, while keeping a $0 balance will never hurt it ... (See Utilization)

Best card to build credit post-bankruptcy -- The addition of a properly maintained credit card can speed up repair of a damaged credit history. ... (See Best credit card after bankruptcy)

Q&A with Patrice Washington: 'Getting real' about money -- When managing money and building wealth, progress starts with believing you can tackle anything life throws at you, according to author Patrice Washington. ... (See Money)

One credit card? Or many? How to decide -- Having one is easier and removes temptation, using many gives rewards ... (See Cards)

Credit gardening: Sow the seeds for a great score -- Fixing bad credit will take time. But following a "credit gardening" plan can make the journey simpler ... (See Gardening)

Allocating card payments on a limited budget -- Use free tools to plan your debt attack, don't close the account after you succeed ... (See Allocating payments)

Survey: Millions stay loyal to a single card forever -- Millions favor one credit card for a decade, and some never switch, passing up potential rewards, according to a new CreditCards.com survey ... (See Favorite)

Video: Chapter 7 vs. Chapter 13 bankruptcy -- If you’re considering filing for bankruptcy, knowing the difference between Chapter 7 and Chapter 13 is essential. ... (See Video)

Financial literacy begins moving into the workplace -- Many Americans lack the knowledge to properly manage their money. Employee education programs are working to change that ... (See Workplace)

When good credit marries bad, it takes work -- You don't want your betrothed's bad credit history to bring down yours. Take these steps to protect your credit and help your spouse improve theirs ... (See Wedding risks)

Spousal identity theft is fraud, so fight it -- To avoid liability for the debt, you'll need to report the fraud ... (See Spousal ID theft)

6 money clues your date is a financial disaster -- Assessing a date's financial attitudes early on can save you future heartache ... (See Clues)

7 ways you are your own worst enemy, financially -- You can keep harming your financial health, or turn it around ... (See Enemy)

Steps to build credit as a permanent resident -- A secured card is an ideal credit-building tool for those new to the U.S. ... (See Permanent resident)

Tax refund: Using it to pay off credit card debt -- Five questions to help you decide where to apply that refund ... (See Tax refund)

Best reward card for cable, cellphone spending? -- Credit cards offer reward bonuses for many spending categories, including unsexy expenses such as utilities ... (See Points)

What happens if you don't sign a credit card payment slip -- You might get away with it, but don't plan on eating at that restaurant again ... (See Bill)

How top money experts fund their costly passions -- Even financial professionals can be lured into overspending ... (See Passions)

Lost job? Budget, don't stop card payments -- Prepare a bare-bones budget and cut all nonessential spending before you stop paying on cards ... (See Job loss)

Infographic: The demise of over-limit fees -- Credit card customers unanimously opt out of once-common fee ... (See Over-limit fee)

Fed: Card balances up for 10th straight month -- Credit card balances rose 7.5 percent in December, marking the 10th consecutive month of expanding credit card balances, the Federal Reserve said Friday. ... (See Consumer credit)

Don't apply for multiple balance transfer cards -- Multiple hard credit inquiries will ding your credit score ... (See Hard inquiries)

Rate survey: Average card rate jumps to 15.18% -- Feb. 3, 2016: Average rates on new credit card offers rose to a four-year high this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Poll: 13 million Americans commit financial infidelity -- In a CreditCards.com survey, 5 percent of respondents in a committed relationship admit to keeping a secret bank account or credit card ... (See Financial infidelity)

Getting a new cellphone? Expect a credit check -- If you're signing up for a traditional cellphone contract, your credit will probably be checked. But if your credit isn't great, you have more options than before ... (See Credit check)

How to graduate from parents' credit, cut 'authorized user' cord -- Ready for your own card? Don't ditch that guest card too quickly. ... (See Authorized user)

For tax purposes, card statements aren't detailed receipts -- Don't rely on your card statement if you want a precise record of spending; keep that original paper receipt ... (See Receipts)

FTC adds tools for ID theft victims -- Amid an epidemic of identity theft, the Federal Trade Commission launched a website designed to shorten the lengthy recovery process ... (See ID theft)

7 ways to boost your partner's credit score -- An overhaul of your loved one's low credit score could save your finances and your relationship ... (See Partner's score)

Personal loans surge into mainstream -- Rise of online lenders and a lack of home equity help fuel the growth of this once-small niche of unsecured loans ... (See Personal loans grow )

Use caution when adding a friend as an authorized user -- No matter what your repayment arrangement is, you are ultimately responsible for any debt ... (See Authorized user)

How to fight medical identity theft -- When a thief steals your medical ID, it puts your health at risk as well as your credit. Here's what to do ... (See Fight medical ID theft)

Infographic: Life is financially fragile for millennials -- Young adults tend to carry credit card balances, fret about repaying student loans and don't have an emergency fund ... (See Financial literacy and millennials)

Survey: 5 in 6 Americans admit to impulse buys -- More than half of consumers said they've spent $100 or more on an impulse buy ... (See Impulse buys)

Get through unemployment without borrowing -- There are more options for squeezing money out of your budget while job hunting. Don't be tempted to take out a loan ... (See Unemployment and debt)

Card owner's dementia, death make it hard to prove theft -- The neighbor of a man with dementia went to town with his card. After his death, it's hard to distinguish theft from generosity ... (See Dementia, death and card theft)

Confusion high over credit card late fees -- Despite new protections, 1 in 5 consumers gets tripped up by a late fee. We explain the fine print you need to avoid them ... (See Late fee confusion)

Automated credit score advice may not fit -- Free online score-improving tips can conflict, depending on which credit-scoring formula is used ... (more)

Gas station skimmer theft rising -- Smaller devices, greater security elsewhere make fuel pumps a target ... (See Skimmers)

Stop debt collector's harassing phone calls -- There are laws to protect people from debt collection harassment and abuse ... (See Debt collection)

Marijuana businesses find card processing still elusive -- Some avenues exist for legal pot-based businesses that want to accept credit cards, but details are sketchy and insiders say some are full of risks ... (See Legal pot)

Put big annual vacation on a new 0-percent card -- If you have good credit, and the discipline to pay it off before the promotional period ends, go for it ... (See Paying for big vacation)

Don't be hasty in closing unused account with $0 balance -- Unused, available credit contributes to your score, so it might be helping your credit score without you knowing it ... (See $0 balance card)

Best, worst states for money management -- A state-by-state look at how well consumers manage their money, based on their average credit scores and household incomes ... (See State money management)

Chart: How states rank for money management -- A state-by-state look at how well consumers manage their money, based on their average credit scores and household incomes ... (See State rankings: money management)

New to credit? Build score with car loan, secured card -- Adding different types of credit accounts helps build your credit score ... (See Credit score)

Guide to the lottery, credit cards and what winning means -- Giant lotto jackpots inspire big dreams of living large. Here's what you need to know about buying that ticket, and the ups and downs of actually winning ... (See Lottery guide)

Don't secretly add an authorized user to boost your rewards -- Some rewards cards dangle the prospect of extra points for adding a friend or relative to your account, but make sure you tell the other person first ... (See Secret authorized user)

5 ways to avoid (or deal with) late fees -- Late fees can quickly add up, and harm your credit. So avoid them if you can, and deal with them smartly if you must ... (See Late fees)

Fed: Card balances spike 7.4 percent -- Revolving debt balances increased yet again in November, the Federal Reserve said Friday. ... (more)

Restoring credit after authorized user status goes bad -- When the primary account holder stops paying the bill, all users associated with the account suffer ... (more)

Check credit score before applying for balance transfer -- Inquiries and new accounts both ding your credit score, so choose carefully ... (See Transfer)

7 quick tasks to protect your ID -- Got 10 minutes? Then you can take a step to prevent identity theft. Each of these seven steps can be accomplished in 10 minutes or less. ... (See Prevent ID theft)

Infographic: Bad financial habits Americans most want to break -- Saving more and paying down credit card debt are among the more popular New Year's resolutions of 2016 ... (See 2016 money resolutions)

How closed accounts affect credit history, scores -- Closing excess cards will have an impact, but maybe not as bad as you think ... (See Closed accounts)

Video: Dumpster diving can expose your personal information -- One night of dumpster diving shows just how easy it is to become a victim of identity theft ... (See Dumpster diving ID thieves)

Your weight, debt and clutter may be connected -- Clutter, overeating and financial troubles may all be related via subtle emotional factors ... (See Debt and clutter)

EMV changing how we tip? Not so fast -- Even though the adoption of EMV payment technology in the U.S. is changing how we pay with cards, the standard paper receipt tipping method many are accustomed to doesn't need to change -- unless merchants want it to ... (See EMV cards and tipping)

To get a fresh financial start, break bad, old money habits -- If you're sick and tired of falling behind on bills, start by thoroughly tracking your spending and trimming where you can ... (See Fresh start)

Credit score differences: How they occur, why they matter -- The credit files' data may differ, it can contain errors and the formulas used on it vary ... (See Credit score differences)

Canceling an unactivated card can hurt credit scores -- The lender already checked your credit and the loss of a new credit line could ding score ... (See Canceling card)

Getting the most value for your hotel rewards points -- For the price of a night at a Des Moines airport hotel, you can stay three nights in a magical European property. We've compiled some of the most dramatic hotel rewards comparisons for you ... (See Hotel points value)

Tracking tools and tips for keeping financial resolutions -- Tracking your progress toward New Year's resolutions is crucial to succeeding with them. It helps to know a few tricks and technological tools ... (See Resolutions)

Involuntary authorized user wants to be removed -- A near-stranger adds a woman as an authorized user. Maybe it's ID theft, certainly it's creepy, and it can to be stopped ... (See Authorized user)

Rate survey: Credit card interest rates jump to 15.05 percent -- Dec. 23, 2015: Interest rates on new card offers rose to a one-year high this week after the Federal Reserve increased rates for the first time since 2006, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Financial goals report card: Maybe a C+ -- A Capital One survey finds mixed results among those who set money goals for 2015. Some did well, others failed completely ... (See Financial goals report card)

Baby-sitting money counts as income on card application -- If the work is steady and can be counted on in the future, it can be listed as your income ... (See Income)

Credit score obsession: 7 signs you have one -- If easy access to your credit score has you checking it obsessively, it might be time to rethink your relationship with FICO ... (See Credit score obsession)

Costco card switches from American Express to Citi -- Warehouse giant switches from AmEx to Citi; key dates, what you need to know ... (See New Costco cards)

Merchant refund can create credit balance -- Yes, you can spend down that cushion, but wait until it's in hand ... (See Refund creates balance)

How much is the average credit card debt in America? -- Measures of average credit card debt range from just over $1,000 to nearly $10,000, depending on the type of card and how it's calculated ... (See Average)

Trended data: the new way credit bureaus rate you -- Lenders now see how you pay your bills, not just whether you pay them ... (See Trended data)

How charge cards are different in credit scoring formula -- Credit limits, utilization aren't a factor, but wise use of the card is ... (See Charge cards and credit scores)

What will an interest rate hike cost? -- Use this chart to find the added monthly cost of a quarter-point interest rate increase for a given credit card balance ... (See Interest rate chart)

Game plans for avoiding bad-credit stereotypes -- Even if you're not borrowing money, you risk being tagged with bad-credit stereotypes at work, at home and in your relationships ... (See Bad credit game plans)

Police report needed to fix credit after mom steals child's ID -- Filing it will allow credit bureaus to repair damage from parental identity theft ... (See ID theft)

'Smart chip' debit cards transition going slowly -- Chips are coming to debit cards, too, but even slower. Here are the seven things you need to know about the transition. ... (See EMV debit cards)

After bankruptcy and depression, reach for financial help -- With debts and worries piled high, it's time to stop trying to handle all the problems and seek financial guidance ... (See Financial help)

Number of new cards soars, but credit limits tight -- An American Bankers Association survey finds subprime borrowers regaining access to credit, but not to a lot of it ... (See New accounts soar)

Rebuilding credit? Go easy on new accounts -- When working to rebuild your credit, open and maintain only two or three new cards. Any more could hurt more than helpp ... (See Credit rebuilding)

Putting a big-ticket item on a card: 7 questions -- Done right, a credit card can be the best tool for an expensive item. You can see whether it's right for you by answering these questions ... (See Big-ticket)

Go from good to excellent credit with first (and only) card -- Employing good credit habits early paves the way for a great credit score ... (See First card)

Poll: 1 in 5 debtors say they'll be in debt forever -- It's a debt dichotomy: More say they'll die in debt, yet an increasing number also say they're debt-free ... (See Debt forever)

EMV chip card tales from cashiers at the front line -- Cashiers and customers express their frustration with EMV chip cards ... (See Cashiers' chip card tales)

Global Entry perk may make big-annual-fee rewards card worthwhile -- Some premium cards have annual fees of $450 or more, but features such as lounge access and Global Entry might make them palatable ... (See Global Entry)

Fed: Card balances rise only 0.2 percent -- The expansion of credit card balances continued in October, marking eight straight months of growth, the Federal Reserve said Monday. ... (See Consumer credit report)

Keeping card accounts open after a balance transfer -- Consolidation can help manage debt, but goal is to pay it off ... (See Debt consolidation)

Credit utilization: How this key scoring factor works -- Aiming for a high FICO score? Pay close attention to how much you owe ... (See Credit utilization)

Dividing credit card rewards in a divorce -- If you have accumulated a slew of miles, and you're heading for divorce, they could become an issue in the breakup ... (See Rewards points and divorce)

Can I get away with maxing out my credit, filing for bankruptcy? -- Deliberatly maxing out cards with no intent to pay, then filing for bankruptcy could give a "fresh start." But it's a big risk, and morally dubious ... (See Max out)

US report: CARD Act saved consumers $16 billion -- The U.S. Credit CARD Act has cleaned up the worst practices in the business since it was signed in 2009, but tricks and traps remain, consumer bureau report says ... (See CARD Act report)

Rehabilitating student loan won't raise score immediately -- It takes seven years to erase the credit score damage of a default, but don't let that deter you; the benefits begin right away ... (See Rehabilitate)

Magnetic stripe begins its farewell tour -- Like paper maps and clamshell phones, the magnetic stripes on the back of credit cards have started sliding into obsolescence. How soon will they disappear? ... (See Farewell, magstripe)

Immigrant seeks to build good credit faster -- With basics mastered, it's time to make mid-course corrections ... (See Building credit)

Survey: Slower EMV chip card transactions irk shoppers -- Nearly one in five respondents said using the more secure cards takes too long, and frustration is likely to grow during the holiday shopping season. ... (See Slow chip cards)

Parental conservators can block access to finances, credit -- Parents took over legal responsibility for son in credit card debt, filing bankruptcy on his behalf, and preventing him from getting credit on his own ... (See Conservators)

IRS won't care if you buy gift cards with reward points -- Even if you get a "cash back" reward card that you spend like cash, it's not considered income, so shop away! ... (See Rewards not taxable)

Airlines change from miles to price-based rewards -- The three largest U.S. airlines now base rewards points on how much you pay, not how far you fly, a change that devalues airline rewards for all but the most hardcore traveler ... (See Price-based rewards)

Know your risk before giving credit card to a relative -- A sister's request to give her a credit card for three months requires close examination, since you'll be on the hook ... (See Card for a relative)

Making sense of confusing credit card statements -- Spotting fraud is hard when so many businesses put unfamiliar, but legitimate, names on your billing statement ... (See Confusing card statements)

Billing disputes lead list of credit complaints -- Billing disputes lead list of credit complaints in latest monthly survey from the Consumer Financial Protection Bureau ... (See Billing disputes)

Options limited when paying bills for relative in coma -- Trying to do the right thing - pay a comatose relative's card bill - is nearly impossible without legal authority ... (See Pay relative's bills)

Fed: Access to credit cards increasing -- Fewer applicants rejected for new cards, but issuers stingy with credit limit increases ... (See Credit access)

Charging bills can help your score if you pay early, often -- Avoid interest charges and debt by paying in full, and keep your credit utilization low by paying more than once a month ... (See Charging bills)

Card debt is under control for the 2015 holidays -- U.S. consumers show an appetite for borrowing but their balances and late payments are low, a report from the big credit bureau shows ... (See Card debt report)

2015 Balance Transfer Survey: Shop around for the best deal -- Balance transfer deals are stable this year, a CreditCards.com survey revealed, and balance-carrying cardholders should take advantage of offers soon before interest rates rise ... (See Balance transfer survey)

Rating fraud: Not all security breaches are equal -- Different types of fraud have different risks involved. Knowing those risks might save you a headache ... (See Fraud risk)

How hard and soft inquiries affect your credit score -- Credit inquiries can be either soft or hard, and your credit score can suffer damage if you drop too many hard inquiries into it ... (See Credit inquiries)

Combining cards: Rolling 2 credit limits into 1 card -- Have two cards from one issuer? Trying combining credit limits before you close one ... (See Combining cards)

Closing only card means no score, no mortgage -- With no credit activity, no credit score can be generated, which eliminates the possibility of you being approved for a mortgage ... (See No score, no mortgage)

Younger borrowers closing delinquency gap -- Younger people have higher expectations of missing a debt payment, survey finds ... (See Young borrowers' delinquency )

How long to wait to apply for another rewards card -- Don’t apply too aggressively -- for the sake of your credit and budget ... (See Rewards)

7 secrets of extreme credit card owners -- How seekers of big rewards, discounts manage 10, 20, 30 cards ... (See Extreme cardholder secrets)

7 things you need to know about gift cards -- Some things have changed about gift cards over the years. Here's what to know about the No. 1 requested present ... (See Gift cards)

Take care closing card accounts before mortgage application -- If you're not careful with your charging habits, closing card accounts can hurt your chances of getting a mortgage ... (See Closing cards before mortgage)

Mortgage after bankruptcy, divorce: You need time -- Low mortgage rates will not be available immediately after filing for bankruptcy. But patience and credit-building will help in getting a loan at a decent rate ... (See Mortgage after bankruptcy )

Raise credit score 30 points in 6 months? Tough, but doable -- Attention to bill-paying, credit utilization -- plus enough cash to whittle down debt -- can get it done ... (See 30 points )

Watchdog agencies announce debt collection crackdown -- Federal and state regulators announced a coordinated effort to fight a growing tide of debt collection abuses ... (more)

'Coined' author Kabir Sehgal: Credit cards make money abstract -- Kabir Sehgal talks about the history of money and credit, and its relationship to humankind in his new book "Coined, The Rich Life of Money and How Its History Has Shaped Us" ... (See Kabir Sehgal Q&A)

Great credit score means you should reap rewards -- The longer you've used credit successfully, the less harm you'll do by getting some new cards, and big sign-up bonuses make it worthwhile ... (See Reap credit rewards)

Fed: Banks make credit flow a bit easier -- Consumers' appetite for cards grew in the third quarter, while banks were somewhat more willing to serve up new cards ... (See Credit terms ease)

Credit utilization important for businesses, too -- Paying your balance in full every month is ideal but if you can't manage that, keep your balance as low as possible ... (See Business credit)

Card-linked offers: Shopping deals you're not aware of -- Card-linked offers are automatic discounts applied when you use a certain credit card at a participating merchant ... (See Card-linked offers)

With low-limit cards, watch credit utilization closely -- Building your credit with a $300 limit card means if you buy a big-ticket item, don't wait, send in an extra payment ... (See Low limit card utilization)

Withholding a card payment: It's your right, but take care -- Withholding a payment in a billing or product dispute is legal, but you need to take these specific steps if you want it to stick ... (See Withholding payments)

Beyond bankruptcy: What happens when you fail Chapter 13 -- Americans who file for Chapter 13 bankruptcy are more likely than not to fail completing the debt repayment plan. Understanding why, and what comes next, can help you avoid common pitfalls ... (See Fail at bankruptcy)

How long negative information stays on a credit report -- Late fees will not affect a credit score, while a late payment history will -- at least, until it drops off a credit report in seven years ... (See Negative credit information)

Lyft, Uber ride-share drivers in a hurry to pay down debt -- Large number of ride-share drivers use spare income to pay down big bills ... (See Ride-share drivers' debt)

Survey: Many fail at online security basics -- Simple steps, such as closing a Web browser when one is finished using an online account, can reduce the risk of fraud and identity theft, the survey by Experian's ProtectMyID found ... (See Online security survey )

Balancing need to save against urge to earn rewards -- Consider your spending habits and self-discipline to create a plan that you can stick to ... (See Rewards)

Pint-sized super savers -- Kids who prefer saving to spending are rare, and a parenting challenge ... (See Young super savers )

Most banks invisible on federal complaint website -- A gap in consumer protection law exempts thousands of smaller banks from the federal government's public complaint records ... (See Invisible bank complaints )

Autopay clients leave you open to more fraud, not EMV liability -- When customers use automatic payments, it's considered a card-not-present transaction. Those sales are not covered by the EMV liability shift rules instituted in October ... (See Autopay and EMV)

How paying more than the minimum helps build credit -- Paying more than the minimum is good not only for your credit, but for your entire financial well-being ... (See Minimum payment)

8 myths surrounding bankruptcy -- Filing for bankruptcy is a huge financial step, and many jump in with misconceptions of what it will and won't do ... (See Bankruptcy myths)

Maxed-out card blocks entry to 800 credit score 'club' -- One card with a high utiliization is enough to prevent a good credit score from becoming nearly perfect ... (See 800 club)

Best credit cards for renting a car -- Save money by knowing your insurance needs, what your card covers ... (See Best car rental card)

Emancipated 17-year-old rejected for credit -- She can live independently, but banks won't issue her a card ... (See Rejected)

Video: What are variable interest rates? -- What are variable interest rates and how will they affect you? Find out in this Quick Tip video ... (See Variable interest)

Mystery bill may signal error, memory failure or fraud -- If an unknown credit card bill shows up in your mailbox, it's time to take a closer look at what is on your credit report ... (See Mystery credit card bill)

Payday lender prepaid cards: the worst plastic in the world? -- Payday lender cards "feature" a slew of gotchas and fees -- even for on-time payments ... (See Payday loan prepaid cards)

Joint card account means sharing gambling charges -- Getting a fraud alert for the gambling you charged on a joint credit card is a sign to come clean ... (See Gambling)

Getting a credit card after bankruptcy can help credit score -- A post-bankruptcy credit card is one step toward restoring your credit score, but there are others, too ... (See Credit after bankruptcy)

Retail card survey 2015: Average APRs inch up -- The average APR on the credit cards from America's largest retailers has risen to 23.43 percent, according a CreditCards.com survey ... (See 2015 Retail Card Survey)

Chart: 2015 Retail Card Survey data -- In the market for a retail card? Our 2015 survey data offers store-by-store details to help you find the right one for you ... (See Retail card survey data )

The scariest things on your credit report -- Avoid a credit scare by seeing what lurks in your credit reports ... (See Credit report)

Closing a new card won't undo credit score hit -- Even if you haven't used the card, you've suffered ding to your score already. Why not keep it, since it may be of use? ... (See Credit score)

Luxury reward perks: What you get for paying big annual fee -- Beyond free flights lies a world of exclusive privilege, if you're willing to pay the annual fees ... (See Luxury perks)

Author argues have-nots better served by postal banking -- In "How the Other Half Banks," law professor Mehrsa Baradaran says the best bank for the poor already has branches, and blue boxes, everywhere ... (See Postal banking)

Card rate too high? Negotiate a better one or transfer balance -- If you've been paying on time for a long time, you shouldn't be stuck with a 29 percent APR. Ask for a lower one; if they say no, transfer the balance ... (See Rate's too high)

Roadside assistance, your credit card's little-known benefit -- If your car breaks down by the side of the road, in some cases your credit card company won't leave you stranded ... (See Credit card roadside assistance)

Forgotten card leads to post-divorce strife -- Shared cards during a marriage can create havoc after it's dissolved ... (See Shared cards)

Think you're a joint account holder? Think again -- Sharing a card can backfire when it comes to who's really liable for the bill ... (See Joint accounts)

How late payments get reported to credit bureaus -- First comes the late fee; if you still don't pay your score takes a hit ... (See Late payments)

Fed: Card balances rise for 6th straight month -- The country’s revolving debt balance grew 5.3 percent August, marking the sixth consecutive month of growth this year, the Federal Reserve said Wednesday ... (See Consumer credit )

Once student loans are paid, a second card may be in order -- One option to keep scores climbing is to open another card ... (See Credit score)

Can I earn grocery rewards points at Wal-Mart? -- Merchant category code classifications matter when using rewards cards ... (See Merchant Category Codes)

US card acceptance abroad grows, even at kiosks -- Travelers' woes diminish as new data suggests the vast majority of U.S. Visa cards work abroad, even at previously troublesome payment machines ... (See Card acceptance abroad)

Repeat balance transfers cut debt, but control spending, too -- To really eliminate debt, you have to do more than transfer debt from one 0 percent credit card to another ... (See Repeat balance transfers)

Even paid-off cards usually canceled in bankruptcy -- If a card has no balance, you'll still end up losing it ... (See Credit cards during bankruptcy)

7 merchant tips to understanding EMV fraud liability shift -- Merchants who can't process chip card payments may shoulder consumer fraud costs if an incident occurs and they're not "EMV-ready." Here's what you should know about the EMV fraud liability shift: ... (See EMV )

Survey: Average card rate stuck at 15% for 15th week -- Sept. 30, 2015: Interest rates on new credit card offers remained locked in place again this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Card tips for rebuilding credit after bankruptcy -- After bankruptcy, how many cards will it take to rebuild credit scores? ... (See Credit scores)

With chip card switch upon us, who do I call about fraud? -- Retailers will start to shoulder some responsibility for fraudulent charges, but consumers will see few differences starting Oct. 1 ... (See EMV fraud)

Banks making refunds for add-on products -- Fifth Third bank agreed to refund some $3 million to about 24,500 customers for debt protection coverage that regulators say was marketed falsely ... (See Add-on marketing refunds)

Why bankruptcy of the rich and famous is nothing like yours -- How the rich and famous stay wealthy post-bankruptcy while regular folks who file don't ... (See Bankruptcy)

Getting a second balance transfer card harder than the first -- You got a balance transfer card, but for only part of your debt. Your odds of getting a second card are good, but will nip again at your credit score ... (See 2nd balance transfer)

ID thief may pay bills on stolen card, but needs to be turned in -- Police and card issuer need to know about the crime ... (See ID theft)

How to avoid big costs of deferred-interest financing deals -- No-interest financing is tricky, especially if you have more than one balance on the card. Here's how to avoid hefty costs for back interest ... (See Deferred interest)

New subprime accounts power credit card growth -- New subprime accounts, driven by millennials, power growth ... (See New credit accounts)

After 10 years abroad, credit record must be restarted -- Even the most pristine credit record will be erased by a decade of inactivity. Starting over will require patience and work. Here's how. ... (See Rebuilding credit)

Retailers roll out layaway plans early for 2015 holidays -- Holiday layaway programs launched before Labor Day cookouts even started this year, and more retailers are moving layaway online to vie for business ... (See Layaway 2015)

Cards have no built-in policies that pay off after death -- You can buy add-on insurance to pay the debt after you die, but it's usually not worth the price ... (See Debt after death)

Money epiphanies: Hearing, heeding the call to change -- People who were deep in debt or just needed to change describe their powerful money moments ... (See Money epiphanies)

Wife has lower score, but gets better prescreened card offers -- Her husband's credit score is over 800, so why are issuers ignoring him? ... (See Scores)

Empty nest, full wallet: How to do it -- The kids are permanently away. Time to pull out the credit cards and play? Not so fast ... (See Empty next, full wallet)

Authorized users don't have to share credit reports -- Getting added to another's card doesn't mean they are privy to your private information ... (See Authorized user)

Credit card fraud and ID theft statistics -- Credit card fraud and identity theft are big worries these days, and we've got the statistics to back it up ... (See Fraud statistics)

My husband won't let me get an EMV chip card for our European trip! -- Many card issuers have switched to EMV chips, but some still have only magnetic stripes. Does it matter? ... (See EMV card )

Poll: 32 million adults have started shopping for the holidays -- The calendar still says summer, but millions of Americans have already started -- and a few have even finished -- their holiday shopping. ... (See Early holiday shopping poll)

Avoiding fraud in a post-EMV world -- Think you can breathe a sigh of relief as EMV technology takes off? Not so fast. ... (See EMV fraud)

A 29.99% card APR is too high, even with bad credit -- Spurn that really bad offer, try these other credit-building methods first ... (See APR too high)

Halt card spending until after mortgage closes -- Going on a card-spending binge before you close can jeopardize your home loan ... (See Credit cards and mortgages)

Video: 4 ways students can build credit -- Building a credit history while in college helps make life afterward a bit easier. Here are four tips to building credit as a student ... (See Student credit)

Minimizing score damage after a charge-off -- Having credit card accounts closed and charged off will cause a huge credit score drop, and it could get worse if you don't take steps ... (See Rebuild score after charge-off)

Credit balances: what happens if you overpay your card bill -- Your money is protected by federal banking rules, but getting it back requires effort, and a big overpayment can trigger a fraud investigation ... (See Overpay)

Fed consumer credit report: Card balances rise 5.7 percent -- The national revolving debt balance rose 5.7 percent to $914.6 billion in July, the Federal Reserve said Tuesday ... (See Consumer credit report)

Basics of minimum payments -- If your minimum payment is $50 but you owe $25, just pay the $25 ... (more)

Study: We underestimate our credit card debt -- We accurately recall other types of debt, but not card debt, says a newly updated Federal Reserve report ... (See Underestimate card debt)

Video: 3 questions to ask before refinancing your student loans -- As the amount of student loan debt continue to rise, borrowers weigh the risks and benefits of refinancing ... (See Student loans)

5 questions every authorized user should ask -- "Piggybacking" -- being added as an authorized user -- is usually a credit-boosting gift, but needs to be looked over carefully first ... (See Authorized user)

You did WHAT to pay off your debt? -- From selling plasma to leaving the country, these debt payoff stories should inspire ... (See Debt payoff)

Credit score impact of store card financing deals -- Financing a big-ticket item short-term shouldn't have long-term credit score impact ... (See Store card)

Smart balance transfer: Do the math, change your spending habits -- Don't throw away the savings a balance transfer offers by continuing to overspend on cards ... (See Smart balance transfer)

Author Carl Richards simplifies financial plans -- With his new book, "The One-Page Financial Plan," Carl Richards expands his Sharpie-and-a-napkin approach to financial management ... (See Financial plans)

Credit card advice for a 'debit card kind of guy' -- Debt and bad money habits are the enemies. Those old store cards? They're your pals ... (See Debit guy)

Steps to remove yourself from mom's card -- It's best to apply for a new card before removing yourself as an authorized user on another ... (See Authorized user)

Student card survey: Offers fewer but more generous -- The Credit CARD Act of 2009 imposed restrictions that thinned the ranks of student-oriented cards, but those that remain are pretty good, our survey finds ... (See Student card survey)

Need a small-business loan? 3 ways to beat the big-bank brush-off -- Small banks tend to have higher approval rates for small-business loans. Here's how to improve your chances of getting one ... (See Business credit)

How a car repossession affects your credit -- Between late payments and collections, a repo can cause a 100-point score drop ... (See Repossession)

Ex still charging on old joint card account -- She thought all the cards had been closed. Years later, she finds out she was wrong ... (See Joint account)

How average credit account age affects your FICO score -- The average age of the various types of credit plays a significant part in determining your credit score ... (See Age of credit accounts)

Survey: Average card rates hold steady at 15% for 9th week -- Aug. 19, 2015: Average credit card interest rates remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

8 smart ways to fund gender reassignment costs -- Funding the transition from one gender to another requires careful planning ... (See Gender reassignment)

When credit card interest is applied -- Newbies often don't know that most cards can be used without paying interest ... (See Credit building)

Mobile banking becoming a consumer favorite -- As banking by cellphone takes off, branches are falling out of favor as American consumers' favorite way to do their financial business ... (See Mobile banking survey)

Buying a car with no credit: 6 things to know -- Even with bad or no credit it is possible to get a vehicle. Here are 6 keys to know before you make your purchase ... (See Car loan with no credit)

Accepting credit cards won't affect nonprofit's tax status -- Getting a credit card reader to accept donations won't impact the personal finances of the person who opened the organization's business account ... (See Nonprofit)

Study: 8 in 10 Americans saddled with some form of debt -- Findings of a study by the Pew Charitable Trusts suggest younger generations are growing more wary of borrowing ... (See Pew debt study)

Household debt report: Credit card balances highest since 2010 -- Balances on credit cards climbed to their highest mark in several years in the second quarter, according to a new government report, reinforcing other signs that card use is climbing as the economy strengthens ... (See Household debt)

5 credit score oddities -- Quirks in the credit scoring formula make unexpected things help or hurt ... (See Credit score oddities)

Help your score rebound after card issuer closes account -- Ways to recover your score after losing an open credit line ... (See Closed card)

How to manage different balances on one card -- Know the best payoff method for a card with varying APRs on different balances ... (See Multiple balances)

5 reasons you need good credit in retirement -- You may be about to retire but your credit isn't -- and shouldn't. ... (See Retirement)

What to do when your retail store card switches banks -- When a new bank issues your retail card, changes in the rewards and the card's terms can follow ... (See Retail card switch)

Video: Small-merchant guide to EMV credit cards -- Small businesses have been slow to upgrade to terminals that can read EMV chip cards. Here's what they need to know about making the switch ... (See EMV merchant)

Clearing authorized card user account information -- The simplest way to remove negative information generated from an authorized user account is to be removed from the account ... (See Authorized user)

7 tips for using budget apps safely -- Banks usually would cover fraudulent charges if your information were stolen in a breach. But there are other risks in putting all your account information in one app ... (See Using budget apps safely)

How banks limit the size of your balance transfer -- You may see a balance transfer to a 0-percent card as a way out of debt, but to the bank, it's new credit and you have to qualify for it ... (See Balance transfer)

Rate survey: Average card rate sits tight at 15 percent -- Aug. 5, 2015: Interest rates on new credit card offers held still this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

How to build a credit score with your first card -- Should you use the card a little or a lot to ramp up your credit score? ... (See First card)

5 steps to prepare your finances for a startup -- Too many entrepreneurs rush into launching their business without adequate preparation, which can lead to a cash flow crunch ... (See Startup finances)

How, when to get your file from specialty reporting agencies -- Little-known specialized bureaus have dossiers of important data, and you can often get their file on you for free ... (See Specialized reports)

Identity theft packs an emotional toll -- A high percentage of identity theft victims feel stress at the violation, studies show ... (See Emotional toll)

Out of 11 cards, which 7 do I cancel? -- Having a zero balance on all the cards makes credit score impact minimal ... (See Canceling a card)

Credit card delinquencies improve despite economic chill -- U.S. consumers improved their on-time payment performance on credit card bills during the first quarter, despite shrinkage in the economy ... (See Delinquency statistics)

Credit card use and availability statistics -- How available is credit for U.S. consumers and how are we using it? Our research team investigates the trends in statistics ... (See Card use statistics)

How credit reports handle balance transfers -- If your payment record was good, try to keep both the new and old accounts open -- it'll help your credit score ... (See Balance transfer)

Privacy or rewards? Some card programs force you to choose -- Some banks won't let you fully participate in their rewards program if you opt out of them sharing your data ... (See Rewards vs. privacy)

Getting the best exchange rate abroad -- Credit and debit cards offer the best rates for purchases, but there are a few pitfalls to avoid ... (See Exchange rates)

Business at risk in personal bankruptcy -- In both Chapter 7 and Chapter 13 bankruptcy, you may have to give up your business, even if it's failing ... (See Bankruptcy)

Cities with the biggest, smallest credit card debt burdens -- People on the coasts aren't known for frugal living, but when you consider their income, they carry the lightest credit card debt ... (See City debt burden)

Be cautious with new credit when considering bankruptcy -- Getting a new credit card when you're about to file bankruptcy is rarely a wise idea ... (See Considering bankrputcy)

Secured card may be best when on a fixed income -- With your deposit as your credit line, you can't spend more than what you can repay ... (See Secured card)

How credit cards saved my vacation -- As intrepid travelers know well, few trips go perfectly as planned. That's when your credit card can come to the rescue. ... (See Vacation)

Tips to boost credit score enough to qualify for a mortgage -- Low and mismanaged credit can be bumped up by taking these three credit card actions ... (See Improve score)

How a balance transfer card can boost FICO score -- Opening a new line of credit can boost your rating by reducing your overall debt-to-credit-limit ratio ... (See Balance transfer)

Can too many cards lead to loan rejection? -- According to FICO, there is no such thing as a penalty for too much unused credit ... (See Rejection)

Myth: Too much available credit hurts home loan -- If you have many cards with little or no balances, closing them won't boost your credit score ... (See Myth)

2015 credit card fee survey: Average card carries 6 fees -- Credit card issuers are showing an ever-increasing appetite for fees, a new survey from CreditCards.com shows, with the average card carrying six different fees. ... (See Fee survey)

The upside of an adverse action notice -- An adverse action notice provides insight into building a brighter financial future ... (See Adverse action)

Don't let new card's annual fee take you by surprise -- When applying for a new card, take the time to review its fee structure before you sign up ... (See Fees)

Perks multiply in latest generation of elite cards -- Why shell out $400 a year or more just to carry a super premium credit card? It's all about the perks. ... (See Elite cards)

Rewards earned via business spending are tax-free, for now -- The IRS has been consistent in its interpretations, but increasing complexity could prompt changes ... (See Tax free rewards)

3 ways to strengthen weak or nonexistent credit -- Building up your credit will take work and time. But knowing where to get started is key ... (See Strengthening credit)

Setting payment priorities for cards, co-signed student loans -- The interest rates on the various loans will have a lot to say about which you should tackle first ... (See Prioritizing payments)

Build credit before house hunting -- The desire to own a home may be strong, but with no credit, it's just a dream ... (See Home buying)

Survey: Average card rates remain at 15 percent for a 3rd week -- July 1, 2015: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

6 things to know before buying identity-theft protection -- Thinking about paying for a service that offers identity-theft protection? Know these six things first ... (See ID theft protection questions)

Business and personal expenses better on separate cards -- You can legally use a small-business credit card for all of your spending, but there are advantages to keeping them separate ... (See Separate business card)

Canceling card doesn't wipe out charges for recurring services -- Once you allow recurring charges, they're tough to turn off, but canceling a card will just risk damaging your credit score and won't erase your obligation to pay ... (See Recurring charges)

Statute of limitations doesn't wipe credit slate clean -- Once a debt has passed the statute of limitations, that doesn't mean it gets wiped off your credit report ... (See Old debts)

Push notifications: the future of bank communication -- Six reasons push notifications will dominate mobile banking in the future ... (See Push notifications)

Banks' internal 'behavior scores' can decide cardholder terms -- If you apply for a new card or higher limit from your existing card issuer, they'll judge you with a proprietary 'behavior score' that looks at how you've used their card before ... (See Behavior score)

When does interest begin accruing on charges? -- For those new to credit, it helps to know how interest can add to your balance ... (See When interest charges begin)

Video: Protecting your child from ID theft -- A child's identity is much more valuable to thieves than an adult's because the theft will often go undetected for years. Here are steps you can take to protect your child from identity theft ... (See Child ID theft)

Don't fall for Internet loan scam out of desperation -- After bankruptcy, your choices for personal loans will be limited, but don't make a bad one ... (See Online loan scam)

3 quick, easy, inexpensive credit score rebuilding tools -- Paying off all your debt at once will help, but it won't rebuild a slumping credit score by itself. To speed the process, add some new, positive loan payment history. Here's how ... (See Credit rebuilding tools)

Poll: Americans sleeping better as economy recovers -- A scientific survey commissioned by CreditCards.com finds money worries don't keep us awake as often, but retirement and education still make for sleepless nights ... (See Losing sleep poll)

For uncontrolled spenders, cash-only may be the right lifestyle -- Despite the benefits of credit cards -- convenience, purchase guarantees and rewards -- plastic is simply too convenient for some consumers to handle. If you're one of them it may be time to switch to a cash-only lifestyle ... (See Cash-only)

Score impact of maxing out 3rd line of credit -- Maxing out credit cards is never a good idea, but as long as you pay them off quickly, your score will rebound ... (See Maxing out cards)

Paying a utility bill on a rewards card to earn points -- If you pay off your credit card balance in full every month, it makes sense to put as many expenses as you can on your card -- if you can avoid fees ... (See Utility rewards)

Notify card issuer immediately if accountholder dies -- Pick up the phone and let the credit card company know; it prevents new charges and identity theft ... (See Deceased)

Are you living with an identity thief? -- Deleted computer search histories and mysterious packages arriving in the mail can point to a fraudster living under your roof ... (See Fraudster)

FCC allows fraud alerts on cellphones -- The federal agency toughens rules against spam calls on cellphones, but creates an exception for banks to alert their customers to fraud ... (See Cellphone fraud alerts)

Money advice from famous TV dads -- Sheriff Andy Taylor, Ben Cartwright, Louis Huang and even Homer Simpson can give financial lessons ... (See Money advice from TV dads)

Average card rates remain at 14.99 percent for fifth week -- June 17, 2015: Interest rates on new credit card offers remained cemented in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate reports)

Using credit to manage monthly income swings -- Rich one month, poor the next? If handled wisely -- and only occasionally -- credit cards can be a lifeline ... (See Income swings)

Credit score impact of multiple balance transfers -- Moving debt from one balance transfer card to another can damage your credit ... (See Transfer)

11 credit card travel insurance benefits -- Your credit card may offer extra insurance protection when you travel. Here are 11 benefits to consider ... (See Travel benefits)

Your 3 options when consolidating card debt -- A balance transfer, bank loan and debt management plan can all work to consolidate big credit card debts, but only one will be right for you ... (See Consolidate)

Credit score still damaged after report error fixed -- A "rapid rescore" won't fix a credit issue, but digging deeper into the credit score issue will help ... (See Credit score fix)

Don't be duped into signing up for a store credit card -- Protect your credit by refraining from spontaneous store sign-ups ... (See Retail card)

How to sign up for bank alerts on your cellphone (and why you should) -- Financial institutions don't make it easy, but financial alerts can stop fraud and help you stay on top of your personal finances ... (See Phone alerts)

How to dispute a debit card purchase with a bank -- The protections aren't the same as credit cards, but you may not be completely out of luck ... (See Debit dispute)

Your rights under the Fair Credit Billing Act -- The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score ... (See FCBA)

Credit card market share statistics -- The top 10 U.S. banks issue nearly 90 percent of all the credit cards. Find out who the major players are, how much of the market they control and how much the overall market is growing ... (See Market share)

How credit mix is calculated in FICO scores -- Having a variety of credit - a good "credit mix" - is the last and often overlooked component to the FICO score formula, but is still vital to a good score ... (See Credit mix)

Paying off multiple 0-percent cards, all with balances -- One good thing: The math is easy since you don't have interest to worry about ... (See 0-percent)

I changed my mind: Can I cancel new card, avoid annual fee? -- Know all card fees before you apply or else you may be stuck with a card you don't want ... (See Annual fee)

2015 Cash Advance Survey: Convenient cash will cost you plenty -- Credit card cash advances are convenient, but use with caution: Such transactions come with surprising extra costs, according to a new CreditCards.com survey of 100 cards' cash advance policies ... (See Cash advance survey)

Fixing damaged credit? First, create a budget -- In fixing damaged credit, regular payments are a must, and you have to get a budget before you can know what you can afford to pay ... (See Budget)

How finance companies differ from credit cards, banks -- Consumer finance companies offer an alternative way to pay for big-ticket items. But look before you leap. ... (See Finance companies)

Credit card delinquency statistics -- Our team has compiled statistics on U.S. credit card delinquencies over the years, collections, bankruptcies and much more ... (See Delinquency stats)

Computer financing options for credit newbie -- A 20-year-old weighs a loan versus a credit card for new computer purchase ... (See Options)

Reporting stolen cards on someone else's behalf -- If a friend or relative has lost track of credit cards, you can help, but only in a limited way ... (See Help)

Finally got a zero balance? Good! Now change credit strategy -- After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up ... (See Paid off)

Survey: Employees less likely to borrow on cards for necessities -- A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving ... (See Employees' financial wellness)

Why credit limits aren't revealed until after you get the card -- Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice ... (See Credit limit secrecy)

New US resident must rebuild credit -- Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over ... (See Credit building)

Poll: Fraud alert false alarms common -- As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error ... (See False alerts)

Finding a single reward card for the whole family -- If you're looking to consolidate all household charges on one statement, consider adding family as authorized users ... (See Authorized users)

To get a business loan, you may need to buff personal credit -- Getting business credit before establishing good personal credit is like trying to learn to run before you can crawl. Take the first step by establishing good credit practices ... (See Building business credit)

5 tips for negotiating rewards cards' annual fees -- Credit card issuers can be surprisingly receptive to cardholders who are seeking a break on their annual fees. They won't always waive them, but you may walk away with a discount or bonus points ... (See Negotiating rewards card fee)

How I fared when I asked for fee waivers on rewards cards -- CreditCards.com reporter Tony Mecia tries his hand at getting a deal on his annual fees. The results were encouraging ... (See Annual fee waiver)

Card offer in someone else's name probably not ID theft -- Keep up your guard, but sometimes junk mail is just junk mail ... (See Junk mail)

How to combat 5 common female financial fears -- Female financial professionals describe the fiscal woes women typically shoulder and how they can be managed -- or avoided altogether ... (See Women's money fears)

Defaulted business cards result in tax liability -- Canceled business card debt can resurface as income owed to the IRS ... (See 1099-C)

NY Fed: Debt in collection shrinks -- The percentage of accounts in collections and the average size of those debts both shrank, according to new data from the New York Fed. ... (See Debt in collections)

Advances in fraud analytics promise to stop crooks, not you -- Geolocation technology and better analytics should help card issuers more accurately determine when it's a fraudster using your card and when it's you ... (See Anti-fraud technology)

How to tell if a 'friend' stole your identity -- Sharing too much information with sketchy "friends" can put you at risk ... (See ID theft by "friend")

On a foreign trip, should I use credit cards at ATMs? -- The cards you use in the U.S. will probably work fine for international travels, but here are your options ... (See Foreign ATMs)

Your rights when disputing fraudulent charges on a business card -- If a fleet card that wasn't being used by a small bushiness is suddenly maxed out, the owner's right to dispute and void the charges is similar to the rights for consumer cards ... (See Fraud charges)

How to shop (somewhat) anonymously -- Worried about your personal information falling into the hands of data brokers or ID thieves? You can protect it at least somewhat without having to resort to cash-only buying ... (See Shopping (somewhat) anonymously)

Credit card balances rise in March -- Consumers' revolving debt load increased in March, ending two months of declining balances ... (See Fed consumer credit report)

Got a cellphone? Here come Smishing scams -- Think you're too savvy to fall for email scams? Fraudsters have a new tactic that targets your new constant companion -- your cellphone ... (See Smishing)

How mortgage settlements affect your score (and for how long) -- It's been years since the recession thrust millions of homeowners into default. If you've paid your other bills, maybe you can qualify for another mortgage ... (See Deed on report)

What ID thieves do with the financial data they steal -- High-tech hackers get all the headlines, but an analysis of identity theft claims data by Travelers show the most common way stolen data gets used is a low-tech one: Thieves snatch a card, then go out and use it ... (See Use of stolen card data)

Cover sudden pet bills with emergency card -- Having a $0 balance card on hand to cover an unexpected vet bill can be a smart move ... (See Pet insurance vs. emergency card)

Sorry, Mom: Poll says mothers losing financial influence -- A scientific poll by CreditCards.com finds that Americans say mothers are no longer their biggest financial influence. Instead, we rely on self-taught lessons ... (See Money influencers poll)

Elder fraud cases on the rise -- Cons aimed at the elderly include a 'grandchild' in distress and threats from a government 'official.' They're effective and on the rise ... (See Elder fraud)

Most issuers like to know your travel plans -- Most credit card companies want to know your travel plans to prevent fraud alerts. But you should also choose the right card and make sure you have different payment options ... (See Travel plan notification)

Retail card account opens at your first purchase -- After you use the card, get the discount and take home the merchandise, it's too late to change your mind -- the card has been activated ... (See Retail card activation)

Video: Protect your privacy while using mobile shopping apps -- If you use shopping apps on your smartphone, you may be sacrificing your privacy in ways you aren't even aware of. Here are four steps you can take to protect yourself ... (See Mobile apps and privacy)

Average APR on new card offers remains at 14.92 percent -- April 29, 2015: Interest rates on new card offers held steady Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

12 surefire ways to create money and credit problems -- Want to run perpetually short on funds, rack up massive debts and decimate your credit score? Do these things and you are sure to succeed ... (See Problems)

Saving for laptop trumps financing 'deals' -- With a little motivation and patience, you can save hundreds by saving for that new laptop purchase instead of opting for a financing deal ... (See Saving versus borrowing)

6 tips for talking to your adult kids about your finances -- Older parents need to tell kids if they're financially fine, or in a bit of trouble. Here's how to do it with the minimum of shock and tears ... (See Family finances)

HELOC vs. cash-out refinance for card debt repayment -- Before you acquire a home equity line of credit or cash-out refinance on your mortgage to get out of debt, there are other determining factors to consider for what may seem like a great idea ... (See Out of debt)

Synthetic identity theft crimes growing fast, targeting kids -- Synthetic identity theft is growing fast, and victims may be children or others who don't use credit, so they're unaware of the crime for years ... (See Synthetic identity theft)

401(k) accounts protected from collection -- After out-of-work husband runs up $30,000 on his wife's card, his wife wants to know if her 401(k) can be tapped for repayment ... (See Debt collection)

Why hard inquiries hurt your credit score -- Hard inquiries can be triggered after you have asked for more credit or by trying to rent an apartment. Once a inquiry hits, your score is knocked down a couple of points, and here is why ... (See Hard inquiry )

Create, restore credit with a credit-builder loan -- Credit-builder loans are small loans, made by some credit unions and a few banks, designed to help consumers establish or boost a credit profile ... (See Credit tool)

'Green' your spending with eco-friendly cards -- A handful of banks offer socially conscious credit cards that donate a percentage of your spending to environmental causes. ... (See Eco-friendly cards)

Pay off loan with balance transfer card? -- Using a 0 percent balance transfer card to pay off a high-interest personal loan can be smart if done right ... (See Loan pay off)

ABA study: Card delinquency stays low -- Despite an uptick at the end of 2014, delinquencies for credit cards issued by banks remained well below the 15-year average, American Bankers Association research shows ... (See Card delinquency)

What to do if your credit card rate goes up -- With the U.S. economy on the upswing, an interest rate hike is expected soon. That could be a shock for credit card holders, who will face a higher cost for carrying a balance. But there are a few things you can do to minimize the pain ... (See Rising rates)

Alternative lenders offer cheaper loans for more of your data -- If you're looking for a low rate loan, new startups are filling that gap, but require more data than what's on your credit report ... (See Alternative loans)

If you must pay less than the minimum, call and explain -- If it's short-term problem, take the initiative and call. If it's a long-term problem, get credit counseling ... (See Less than minimum)

Video: Answers to your most-common EMV questions -- As credit cards with secure chips begin to roll out across the U.S., we address some of the most frequently asked questions about them in a video interview with Smart Card Alliance head Randy Vanderhoof ... (See EMV answers)

Video: Do I need a PIN for my EMV credit card? -- New credit cards containing secure computer chips are being rolled out in the U.S. These EMV cards are sometimes called chip-and-PIN cards, which is confusing because you probably won't actually use a PIN like they do in other countries ... (See EMV PIN video)

Video: Will EMV credit cards protect my online purchases? -- New credit cards containing so-called EMV chips offer enhanced security for in-store purchases but not online purchases. In our ongoing series of frequently asked questions about EMV cards, Randy Vanderhoof, head of the Smart Card Alliance, explains why ... (See EMV fraud video)

Video: Will EMV chip cards work in NFC mobile wallets? -- Banks are issuing credit cards with enhanced security, known as EMV or chip-and-PIN cards. But what happens to that security when you use them in a mobile wallet? We asked Smart Card Alliance chief Randy Vanderhoof ... (See EMV and mobile wallets)

Your low-limit secured card strategy: Pay the bill early, often -- When you have a low limit card and want to build your credit score, time your payments so your credit utilization is lowest on the statement date, since that's when your issuer reports to the credit bureaus ... (See Pay early, often)

Video: Do I need to swipe my EMV credit card? -- Banks are issuing new credit and debit cards with EMV chips, which enable more secure transactions than magnetic stripes. In the first of our four-part series on frequently asked questions about EMV, we discuss why you may still need to swipe your card ... (See EMV swipe video)

Poll: Right age to get a card? 22 -- Our national survey also finds millennials are conflicted about cards: They think they should have them early, yet one in four doesn't have one ... (See First card poll)

Financial heuristics: Creating money rules to live by -- We all have financial rules that are habits. Some help us save money, while others end up costing us. The key is to create rules that play into our financial end game. ... (See Financial heuristics)

Cut prescreened offers to reduce theft temptation -- When your mailbox is flooded with card offers, it may be best to opt-out to reduce any risk of a thief trying to apply for credit in your name ... (See Opt-out)

4 ways to sabotage your child's financial independence -- It's natural for parents to want to continue supporting their children through college. But too much help can sabotage their financial independence ... (See Financial sabotage)

How to check your child's credit report and prevent identity theft -- With a few exceptions, children shouldn't have credit reports. If they do, it could be an indication of fraud. Here's how to find out ... (See Child's credit report)

February 2015 credit card balances decline -- Credit card balances declined once again in February, the Federal Reserve said Tuesday. ... (See April 7, 2015, consumer credit report)

6 credit-based conspiracy theories -- To some, credit doesn't exist just to make paying for stuff easy and safe. Rather, a not-so-innocent back story with covert players is involved ... (See Conspiracies)

Authorized user must close deceased's account and move on -- After her husband dies, a widow who is an authorized user on his account must notify the card company of the death and open her own account ... (See Authorized user)

What kids should know about money, at what age -- Children as young as 3 can get started on a sound financial education. Following these milestones can help you guide them toward a financially healthy future ... (See Kids and money)

How 'microresolutions' can transform your finances -- 'Small Move, Big Change' author Caroline Arnold was tired of failing her New Year's resolutions, so she took a bold step to break them down in achievable actions ... (See Microresolutions)

Brother's got a near-perfect credit score? Go piggybacking -- Being added as an authorized user to an account with almost perfect credit will help boost your credit score and history. But is it as easy as it sounds? ... (See Piggybacking)

When no credit history leads to card rejection -- You need credit history to get a credit card, but issuers won't give you one unless you have credit. What's a college graduate student to do ... (See Credit history)

Survey: More cards bid farewell to foreign transaction fees -- Consumers looking for a card that won't tack extra fees onto purchases when traveling abroad now have more than 60 cards to choose from, according to CreditCards.com's 2015 foreign transaction fee survey ... (See Foreign fee survey)

Authorized users can sometimes gain late cardholder's rewards -- If a primary cardholder passes away, an authorized user on the account is not usually entitled to the account's rewards points. But program providers are often more generous than their rules convey ... (See Inherit rewards)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Near retirement age is the worst time to raid 401(k) -- When in your 50s, with retirement in sight, don't use your 401(k) as a piggy bank for a child's college and to pay off card debt. You need a financial plan more than a quick cash fix ... (See Near retirement)

Payday loan alternatives more important than ever -- Having an alternative to high-priced payday lenders -- always a good idea -- could become more so if a federal crackdown shutters some storefronts ... (See Payday alternatives)

Length of credit history matters more when you're young -- When new to credit, it takes time to boost the length of your credit history. With each new account opening, you cut your average age of accounts, so open new cards sparingly ... (See Young credit)

New rules proposed for payday loans -- The federal consumer watchdog is preparing rules that are expected to fight repeat payday loans without shutting borrowers off from quick cash ... (See Payday loans)

Crooks' new target: your rewards points -- Cyberthieves are plundering easy-to-hack loyalty program websites, grabbing your rewards points and a treasure trove of personal information that can put your identity at risk ... (See Rewards theft)

Don't let fear compel you to cancel your first card -- You may have been raised to believe that cards can lead to a life of debt, but if you handle them responsibly, they are great tools to build a positive credit rating ... (See First card)

Q&A 'Future Crimes' author Marc Goodman -- Technology is rapidly evolving and so is cybercrime. Marc Goodman, author of "Future Crimes: Everything Is Connected, Everyone Is Vulnerable, and What We Can Do About It," explains ... (See Marc Goodman)

7 debts you may not have to pay -- Paying your debts is honorable, and usually a legal requirement, but there exceptions when it can be erased, or it wasn't really yours to start with ... (See Debt escape)

If your credit's all grown up, ditch that $300 'starter card' -- If that $300 "starter card" you got as a credit whippersnapper hasn't evolved with you, get rid of it and enjoy the benefits that come with a higher-limit grown-up card ... (See Starter card)

1099-C snarls mortgage qualifying -- An incomplete tax form and an old charged-off debt may cause mortgage underwriters to turn down your home loan application ... (See Mortgage qualifying )

4 times to go old-school with your finances -- When organizing your budget or keeping track of credit card bills, technology can get in the way. Here are four situations where old-school pays ... (See Old-school)

How payments are allocated on a card with different rates -- Will a payment that is over the minimum amount go straight to the latest charge? Where payments are allocated to on your card ... (See Payment allocation)

Bankruptcy should be removed automatically from credit reports -- The notation that you have filed a Chapter 13 or Chapter 7 bankruptcy should be deleted automatically from your credit reports after seven or 10 years -- but you better check ... (See Bankruptcy)

When to close an annual-fee card -- Closing a credit card can lower your credit score a bit, but if your annual fee is due and a more rewarding card beckons, it's probably worth it ... (See Annual fee)

Gas card survey finds pedestrian rewards -- When it comes to rewards, the most venerable of credit cards -- gas-brand cards -- remain stuck in the slow lane, with high APRs and limited paybacks. They remain useful for credit-building or a quick burst of savings ... (See Gas card survey)

Applying repeatedly for credit after being turned down makes it worse -- If your response to being turned down for credit has been to apply over and over again, stop. You're making it worse. Before you do anything else, find out why ... (See Stop applying)

5 financial tips for the newly engaged -- Planning your future finances should be equally as important as planning your nuptials, experts agree. Here are five money tips to remember when you and your partner start a life together ... (See Engaged finances)

Why you should file a police report for card fraud -- To your horror, a thief racks up charges on your card. You call the police. Will officers come roaring in, sirens blaring? No, but filing a formal report can help in many ways ... (See Police report)

How credit score formula handles multiple credit inquiries -- FICO uses a 30-day buffer and a process called "deduplication" on multiple inquiries for a mortgage or car loan, in effect counting them as one. But that doesn't apply to credit card shopping ... (See Multiple inquiries)

Credit check not needed for public school loans -- Federal school loans, such as those given after applying for the FASFA, don't take credit into account. So going back to school already in debt could add up quickly ... (See Student loans)

For foreign travel, go for the chip, don't hold out for a PIN -- Having a credit card with an EMV chip will make it easier to get around in Europe, but don't insist on one that requires a PIN rather than a signature ... (See Chip-and-PIN)

Study makes the case against credit card arbitration -- Millions of consumers have been forced to accept arbitration clauses in case of disputes, but few understand them, says a new study ... (See CFBP arbitration study)

Credit reports to raise standards to improve accuracy -- The big three credit bureaus will take steps to reduce errors on credit reports and improve the dispute process under a settlement announced Monday ... (See Credit report accuracy settlement)

Payoff order for multiple cards: Which one first? -- With multiple cards to pay off, you can tackle the one with the highest rate or lowest balance. Choose the method you'll stick with ... (See Payoff plan)

Sharing a card with a parent can be risky -- Being an authorized user on your elderly mom's card can either help or hurt your credit rating, depending on how well she manages credit ... (See Parent's card)

Boosting credit after a discharged bankruptcy -- A Chapter 7 bankruptcy will stay on your credit years after discharge, but if you make payments on time and use credit wisely, your score will start to increase ... (See Discharged)

Q&A with Ron Lieber: How to raise unspoiled kids -- New York Times personal finance columnist and "The Opposite of Spoiled" author Ron Lieber touts the benefits of teaching financial decision-making at an early age ... (See Ron Lieber Q&A)

Recovery from bad credit: 1st steps -- Restoring your credit after letting all debts go into default takes resolve and a bit of negotiation savvy. These steps will help you get back on track ... (See Credit recovery)

Carrying a balance? No rewards card for you! -- Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards ... (See No rewards)

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)

No 2-in-1 card for tax-exempt organizations -- Nonprofits are exempt from sales tax, and retailers have programs to accommodate them, but no all-in-one card avoids sales taxes at point of sale ... (See Tax-exempt)

Looking for credit after Chapter 7 bankruptcy -- Go slow, because issuers don't want to give credit right away to someone who filed for Chapter 7 bankruptcy. Secured cards are one credit-rebuilding alternative ... (See Credit after bankruptcy)

It's not fraud if you lend your card out -- The odds of prosecuting someone for card fraud for using your card when you gave your permission are pretty fruitless ... (See Card fraud)

An insider's view: How FICO scores burst from secrecy -- Creditcards.com columnist and former FICO official Barry Paperno recounts how credit scores went public, and why they're as confusing as ever ... (See FICO history)

Poll: Wealthy getting EMV cards first -- Chip-bearing EMV cards, and the extra fraud protection that goes with them, are being issued first to wealthier cardholders, a CreditCards.com poll shows ... (See EMV cards)

Credit card interest rates drop to 14.87 percent -- Feb. 25, 2015: Average rates on new card offers fell Wednesday for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Tougher rules coming for debt collectors -- Federal regulators are writing a major update of debt collection rules for the first time in decades, but the penalty will remain a wrist-slap ... (See Debt collection rules)

Financing a new laptop? Do the math first -- A 0-percent finance deal to buy a new computer is almost too good to pass up for one consumer. But being new to credit, this might not be the best way to go ... (See Financing)

Dangers of putting business expenses on a personal card -- Paying your new small business's expenses with your personal card may be convenient, but it has limited benefits and adds new risks ... (See Personal credit)

Collectors still calling after a 1099-C 'Cancellation of Debt' tax form -- Just because you received a 1099-C and may have paid taxes on an unpaid debt, that doesn't mean you're free from collection attempts ... (See 1099-C)

Poll: Wealthy prefer cash-back rewards on their cards -- Three out of five wealthy Americans prefer cash-back rewards, choosing them over free hotel stays, concierge services and even frequent flier miles ... (See Cash back)

7 exceptions to 'zero liability' policies -- Despite "zero liability" promises from credit card companies and protection from federal laws, there are instances where you might be on the hook for fraudulent credit and debit card charges ... (See Zero liability)

Help your credit score rebound after a fall -- If you're whittling debt and paying bills on time after a credit score tumble, your credit scores should improve fairly quickly. If they aren't, something else is wrong ... (See Score rebound)

Quickly opening, closing accounts makes scores dip a bit -- After following bad credit advice, a reader worries that by closing two cards she just opened, she did some irreparable damage to her credit score ... (See Credit score)

Households staggering under student loans -- While problems with most other loans are easing, student loans are entering uncharted heights and late payments are surging, says new data ... (See Report: Student debt surging)

Dangers of applying for an online payday loan -- Considering an online payday loan? Don't. These sites often scatter your personal information to the Internet wind, opening you up to, at best, bad deals, and at worst, relentless fraudsters ... (See Online payday loans)

Financial planning options for the 99 percent -- Getting financial goals together is not as daunting as it sounds. From DIY plans to going to a professional, financial planning is within reach ... (See Financial planning options)

Student loan debt regret: 12 do-over wishes from college grads -- Now saddled with heavy student loan debts, 12 grads share their regrets and offer tips on how future students can avoid the same big-ticket mistakes ... (See Student loan debt regrets)

Best way to apply tax refund to multiple card balances -- With a mortgage on the horizon and several maxed-out cards, what would be the best way to apply a tax refund to maximize credit score? ... (See Refund)

Credit card interest rates remain at 14.89 percent for 6th week -- Feb. 11, 2015: Average rates on new credit card offers remained stuck at 14.89 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Being financially prepared for the death of a spouse -- If your spouse passed away, could you seamlessly take over the household finances? If not, some quick information sharing can save you from more heartache ... (See Finances)

18 and ready for first card: Begin here -- Having successfully handled a small car loan, an 18-year-old with a part-time job seeks advice on whether she can qualify for her first credit card ... (See First card)

6 bad reasons to open a new card -- Take a look at six of the worst rationalizations for opening a credit card, and learn how to be a prudent plastic user. ... (See Bad reasons to open card)

6 steps to protect your business from ID theft -- Attention to security issues is often lacking among the self-employed and small-business owners. But protecting your company's and your clients' financial data is critical to avoiding a disaster that could tank your business dreams ... (See Business ID theft)

Poll: Wealthy cardholders prefer cash-back rewards -- Getting cash back is by far the favorite credit card reward, according to a new CreditCards.com survey of cardholders with at least $100,000 in investable assets ... (See Cash-back survey)

December 2014 G-19 report: Card balances up -- Credit card balances were on the rise once again in December, the Federal Reserve said Friday. ... (See Fed G.19 consumer spending report)

How to get back overage on card accounts -- You charged an item, paid the card bill, but then returned your purchase, leaving a credit on your card. Do you just spend it or can you get that cash back? ... (See Card overpayment)

Pros, cons of getting a business card for personal use -- Business cards sport features personal cards don't have, and no rule prevents someone without a business from getting one -- but watch the catches ... (See Business cards)

5 steps to a mortgage-worthy credit profile -- You're ready to buy a home, but is your credit? Here are five steps to getting your credit and finances in tiptop shape ... (See Mortgage)

How to build credit with a student loan -- Student loans are usually overlooked as credit tools. But for young people with few other accounts, paying on one can provide a powerful credit score boost ... (See Student credit)

Fighting back against the growing threat of tax fraud -- Tax fraud scams have skyrocketed as rip-off artists file phony tax returns on consumers' behalf. To avoid getting burned, be alert to their tricks ... (See Tax fraud)

ID theft means surprise loan denial -- The bank turned down his loan application due to his mortgage and five credit cards. Since he doesn't have any cards and rents a room, it's ID theft ... (See Denied loan)

Sharing medical cards not allowed -- Medical card expenses are generally reserved for the cardholder, family members and even pets, but not your latest girlfriend or boyfriend or BFF ... (See Medical cards)

How rapid rescore works when applying for a mortgage -- If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it ... (See Rapid rescore)

Beware auto-renewals' endless charges -- Signing up for magazine subscriptions or a free trial could haunt you for months or years, ringing up endless charges on your credit card through automatic renewals ... (See Auto-renew)

How a card's introductory APR works -- Exactly how does an introductory period APR work and what are the consequences of not paying off the entire balance before that period expires? ... (See Intro APR)

Video: Credit card agreement -- Quick guide -- Your credit card terms and conditions can be a little overwhelming. But when signing up for a new card, it's important to know what you're getting into. We've created this short list of the most important terms to watch for ... (See Terms and conditions video)

A day in the life of a common credit card crook -- Those who make, buy and use stolen credit cards have workdays like the rest of us. See what the daily grind is for the crooks who would profit from your card data ... (See Card crook workday)

What merchants should do if customer presents unsigned card -- Merchants handed a card with no signature or "See ID" should make the customer sign -- or risk having to eat fraud-related losses ... (See Signature)

Credit score statistics -- How does your credit score compare to the average American's? Check out the credit score statistics we've compiled, including the states with the highest and lowest credit scores, how credit scores change with age and much more ... (See Credit score statistics)

Unpaid joint car loan sullies ex's credit -- She was in charge of payments, but neglected to tell her fiance when they were late. Now that they've broken up, she wants to know if she can fix his credit ... (See Car loan)

Why the wealthy go broke, too -- When people with above-average incomes encounter financial hardships, the reasons are surprisingly similar to people with more modest incomes ... (See Broke)

What day is my card balance reported to the credit bureaus? -- Banks and credit bureaus manage millions of accounts and have different policies for recording data, so finding when yours is recorded isn't possible ... (See Card data)

Apply for your first credit card, then remove yourself from Dad's -- Preserve your authorized user credit history when applying for your own card. Once approved, you can then safely remove yourself from the shared account ... (See Apply)

Financial infidelity poll: 6% hid bank accounts from spouse or partner -- In a new national survey, we asked people living with a spouse or partner about their money secrets, hidden bank accounts and undisclosed splurges ... (See Financial infidelity)

Strategies to maximize cash-back rewards -- Most cashback cards pay about 1 percent in rewards; a couple of cards pay a flat 2 percent. But you may want to consider using a flat-rate card and a card with higher rewards rates on rotating categories ... (See Cash back)

Road to rewards redemption gets easier -- Cardholders lose millions of dollars in rewards, but that could be changing after one big issuer lowers hurdles to claiming cash back ... (See Rewards redemption)

6 steps to getting a credit card chargeback -- A chargeback from your credit card issuer gives you a refund when the retailer won't. Here's how to navigate the sometimes confusing chargeback rules ... (See Chargebacks)

Balance transfer promotional rates on the rise -- Balance transfer promotional rates are getting more generous, with more cards offering lengthy interest-free promotional periods, according to the 2015 Creditcards.com Balance Transfer Survey ... (See Balance transfer survey infographic)

7 times to put yourself in credit card timeout -- There are key moments in life when putting away the cards and paying off any balances can be the best moves for your financial future ... (See Card timeout)

When building credit, focus first on on-time payments -- Don't overmanage your credit utilization while in a formal debt management plan. Just keep paying on time, every time and your score will rise over time ... (See On-time payment)

Managing 10 cards or more? 4 rules -- Successfully managing 10 or more credit card accounts requires a certain amount of supervision, particularly to prevent fraud. But if you can handle them well, go for it ... (See Multiple cards)

Credit card delinquency rates rise slightly in 2014 -- Delinquent credit card balances rose slightly in the third quarter of 2014, but remain far below the 15 year average, says the American Bankers Association ... (See Credit card delinquency rates)

Partial payment agreements can hurt your credit score -- Reaching a partial payment agreement with a lender at a lower interest rate does wonders for your budget, but can crush your credit score ... (See Credit score)

November 2014 G-19 report: Card balances down -- Credit card balances declined for the first time in two months in November, the Federal Reserve said Thursday. ... (more)

Balance Transfer Survey: Offers more generous -- The typical credit card balance transfer offers have become more generous, but you have to act quickly to take advantage of them, according to a 2015 CreditCards.com analysis of 100 popular credit card offers ... (See Balance transfer survey)

How credit charging limits work -- It may be obvious to more experienced cardholders, but for newbies, knowing how credit limits work gives you the power to avoid expensive mistakes ... (See Credit limits)

New protections from financial 'gotchas' in 2015 -- New rules coming in 2015 from the Consumer Financial Protection Bureau should make it safer and less expensive to use plastic and other forms of consumer debt ... (See 2015 CFPB preview)

Why your employer may deny you a company card -- A small business has to weigh several factors before giving a new employee a company card for travel expenses. Understanding them can help employees and small business owners both start off on better footing ... (See Company cards)

ABA study: 'Revolver' card holders down, 'transactors' rise -- Fewer cardholders carried balances, while more cardholders paid in full each month in the second quarter of 2014, the American Bankers Association found ... (See Study: 'Transactors' rise)

Paying by cash won't build credit score -- If you've never made a late payment in your life, you'd think you'd have a good credit score. Not so if those payments have all been in cash. But fear not: You can get a score without going into debt. ... (See Cash only )

9 baby steps that lead to big financial goals -- Breaking down big goals into baby steps makes them seem less overwhelming. We've come up with a few small actions to get on the path to financial health and sound credit ... (See Baby steps)

Should a student have more than one card? -- While there is no reason a young adult can't manage multiple cards, juggling so many may present more challenges than a student may expect ... (See Too many cards)

Travel cards' best signup point offers require excellent credit -- Most rewards cards are targeted at people with excellent credit -- with FICO scores of 750 and above. But if your credit is in the "good" range, you still have options ... (See Sign-up bonus score)

6 ways to give a charitable donation by credit card -- Choices abound for giving to charities by credit cards, but make sure you watch the fees and get your tax deduction ... (See Charity donations by credit card)

Secret financial escape plan for domestic violence victims -- It’s common for abusers to keep victims in the dark about household finances and to limit access to bank accounts, but using a bit of stealth can help build much-needed financial independence ... (See Escape)

There's no quick credit score fix -- Credit scoring formulas are as complicated as our often-tangled personal lives. There are no quick fixes, so keep your focus on the big things, such as on-time payments ... (See No quick fix)

Closed accounts affect your credit score, but maybe not how you think -- No matter who closes an account, the account holder or creditor, it will have an impact on a credit score. How much depends on the overall credit utilization ... (See Closed accounts)

Rates remain at 14.92 percent for 2nd week: Weekly Credit Card Rate Report -- Dec. 24, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly Rate Report)

Steps to take when a family friend steals your card -- When someone you know fraudulently uses your card and racks up big debt, you have to file a police report in order to clear up your credit ... (See 'Friendly' fraud)

Mobile shopping apps raise privacy and security issues -- A CreditCards.com investigation reveals that mobile shopping apps may be accessing your phone's camera, text messages, flashlight and more, and collecting data you're not be aware of ... (See Shopping app privacy )

Apple vs. Android: Which platform's apps are more secure? -- While Android and Apple devices collect data and grant permissions in different ways, that doesn't necessarily mean one platform protects consumer privacy more than the other. Experts explain the differences ... (See Apple vs. Android)

Lifting Cuba restrictions means easier credit, debit use -- Consumers will find it easier to pay for things in Cuba after President Obama lifts restrictions on use of U.S.-issued credit, debit cards there ... (See Cuba)

Over-limit card scam fools cardholder -- A cardholder gave her bank info over the phone to her card issuer to prevent an over-limit charge. But it probably wasn't her bank who called, but a thief ... (See Scam)

Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

How many cards is too many? -- While there's no right number, you can go too far in either direction and end up hurting your credit score ... (See Too many cards)

Fed: Countdown to higher rates continues at 'patient' pace -- Interest rate setters at the Federal Reserve signaled that near-zero market rates are approaching an end, but they'll not be rushed ... (See Fed 'patient' with rate hikes)

Credit card interest rates decrease to 14.92 percent -- December 17, 2014: Average rates on new credit card offers decline slightly to 14.92 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Biometrics: Your body could be your next password -- Call it body language: Finger prints, vein scans, voiceprints and other unique biological means of authenticating a person’s identity for credit card purchases are closer to reality than they are to the Jetsons ... (See Biometrics)

Video: Overcoming financial infidelity -- Couples who keep secrets about money may also be hiding other issues. Take these steps to avoid and overcome financial infidelity ... (See Financial infidelity)

Want a mortgage? Ditch cash-only, build a credit history -- Unless you have the cash to buy a house, you'll need a mortgage. And you can't get a home loan without some kind of credit history ... (See Cash-only)

Authorized users can't access credit card account information -- Authorized users cannot access the individual account information, which can be frustrating if you think you're a joint account holder ... (See Account information)

You can't boost secured card limit with extra cash -- A college student with a secured card wants to increase his credit limit and asks whether giving the issuer more cash will do the trick ... (See Credit limit)

Poll: More Americans expect to be in debt forever -- A new survey conducted by CreditCards.com asks Americans when they expect to get out of debt; 18 percent of those in debt say "never" ... (See In debt until death)

Holiday buying 2014: more savings and gift cards, less credit -- Fewer Americans plan to holiday shop with credit cards in 2014, while more have set aside money or will use gift cards for their purchases, an Accenture study finds ... (See Holiday buying 2014)

How to get, use a low-limit card -- If a low credit limit is desired, you have to start backward. A higher limit card can be downsized once the account is approved ... (See Low-limit)

Choose your rewards strategy: One card? Or multiple? -- Using one rewards card consolidates points, but having several lets you be sure every dollar spent earns you something back ... (See Multiple rewards cards)

8 tips for merchants to avoid credit card chargebacks -- Chargebacks are a costly and unfortunate fact of life for many small businesses that accept credit cards. However, there are ways you can protect yourself against unfair chargebacks ... (See Chargebacks)

Don't be fooled by these 6 data breach myths -- Do you think hackers target only large retailers? Or that smart-chip cards will be our security salvation? Think again. ... (See 6 data breach myths)

Avoid late payments by setting up auto bill pay -- Life happens, and when it does, it's easy to forget a credit card payment. To protect your credit score and avoid fees, stop late payments before they occur ... (See Late pay)

Opening 3 cards at once dings credit score -- Unlike rapid-fire applications for mortgages or car loans, which are bundled into a single credit score hit, each card application counts against you ... (See Credit score)

Tips to rebuild credit after living abroad -- After living overseas for five years, bringing a dormant U.S. credit file back to life takes a few smart moves combined with a little patience ... (See Rebuilding US credit)

Poll: If given $1,000 in miles or cash back, most would splurge, not save -- At least 83 percent of Americans said they would splurge in some fashion if they received $1,000 in travel miles or credit card cash rewards, a poll from Capital One found ... (See Rewards splurge)

Banks that make the most money, and the least, on credit card loans -- The most costly card companies are ones you probably never heard of -- but whose cards you just might carry ... (See Yields)

What yield does your bank make on credit cards? -- Using 2013 federal bank data, we list 500 U.S. banks and show the percentage yield they make from credit card holders, before and after losses ... (See 500 banks' yields)

Understanding 'consent' to charge a card -- A merchant needs consumer consent before charging their debit or credit card for a purchase. But there are some gray areas where misunderstanding of the law can cause disputes ... (See Consent)

Inheritance spent, bankruptcy looming -- She inherited $36,000, but instead of paying her credit card debt, she spent it. During bankruptcy, does she have to reveal where the money went? ... (See Bankruptcy disclosure)

Landlords limited in ability to pull tenants' credit reports -- Though a tenant has left rent unpaid and thousands in damages, that's not enough to give a landlord the right to pull a credit report ... (See Tenants' credit reports)

Mom offers daughter balance transfer deal -- A 28-year-old's mom offers to pay off $2,400 in card debt, but then wants to cut daughter loose as an authorized user on her card ... (See Authorized user)

Survey: 3 in 4 Americans make impulse purchases -- A national survey by Creditcards.com of 1,000 adults found more than three out of four Americans confess to making impulse purchases ... (See Impulse)

4 tips to minimize impulse buying -- Impulse buying is a popular habit, but not always a good one. If you're an impulsive buyer wondering how to avoid making another unplanned purchase, here's how to help keep your spending in check. ... (See Impulse buying tips)

If loan to friend or family goes bad, you may take a tax deduction -- When friends or family borrow from you and then default, the IRS allows a bad debt tax deduction -- if you documented the loan and file the right forms ... (See Bad debt deduction)

Lessons from cities with the best and worst credit scores -- One city is known for college grads, the other for cotton and the Blues. Measured by credit score, Mankato, Minnesota, and Greenwood, Mississippi, are as far apart financially as they are culturally ... (See Best, worst scores)

5 credit don'ts for homebuyers applying for mortgages -- When you're about to apply for a mortgage, tread lightly on making changes to your credit. Steps you think should be helpful could derail your loan ... (See Mortgage credit don'ts)

Online fraud may surge after EMV chip card rollout -- U.S. issuers are replacing traditional magnetic stripe credit cards with cards containing counterfeit-resistant EMV chips. But fraudsters are expected to adapt, turning to online and other forms of fraud ... (See Online fraud surge)

Some cards generous for travel, give less in cash back rewards -- If a travel card turns out to offer different rewards or fewer points than you expected, consider canceling it before the annual fee comes due ... (See Travel rewards)

How trauma leads to destructive financial choices -- Child abuse. Warfare. Assault. If you have endured a life-threatening event, you may be more likely to make poor money decisions. ... (See Trauma)

'Hand to Mouth' author Linda Tirado: Broke means bad money decisions -- Former IHOP night cook-turned-author Linda Tirado explains in very frank terms why being poor often leads to making shortsighted financial decisions ... (See Hand-to-mouth)

Adding yourself to spouse's card is fraud -- Taking the liberty of adding yourself to your spouse's card as an authorized user is considered fraud, and you could be charged with identity theft ... (See Authorized user fraud)

Study: Online accounts often go unchecked for fraud -- Americans regularly check their bank account and credit card statements for suspicious activity, but less than a third check various online accounts at least once a month, a study by credit bureau Experian finds ... (more)

Shared card leads to collection mess after a bankruptcy -- When Dad declared bankruptcy, the debt collectors shifted their attention to his daughter to collect a $3,600 balance on the credit card they shared ... (See Shared card)

2014 CreditCards.com Penalty Rate Survey -- Those who fall 60 days behind in credit card payments face an average penalty interest rate of 28.45 percent, according to CreditCards.com's survey of 100 major U.S. credit cards ... (See Penalty rates survey)

Have a balance transfer financial strategy -- Yes, comparison shop for low rates and fees, but more importantly, know how a transfer will fit into your financial big picture ... (See Balance transfer strategy)

Steps to rebuild credit after bankruptcy -- After declaring bankruptcy obtaining secured credit sources and becoming an authorized user can help bring life back to your line of credit ... (See Bankruptcy)

Credit card ownership statistics -- How many credit cards does the average American have, and what types do they have? We've compiled industry statistics to answer those questions and more about who's carrying what cards ... (See Card ownership statistics)

Know your rights under the Truth in Lending Act -- This federal law provides bedrock consumer protection by requiring lenders to disclose credit terms in a standardized way, and sets the rules for fees and billing ... (See TILA)

Options limited if authorized user refuses to pay charges -- Call it authorized-user blackmail: A daughter adds her dad to her card, he runs up the balance, but threatens to stop payments if she closes the card ... (See Authorized)

6 steps to using credit cards to manage caregiving costs -- When it comes to managing caregiving costs for a loved one among family members, credit cards can help, but only if everyone plays by the rules ... (See Caregiver)

How early payment can result in late fees -- Leaving town? Paying your card bill early can backfire if you miss making the minimum payment by the due date, leaving you with late fees and penalty rates ... (See Early payment, late fee)

Negotiation is key for defaulted student loan -- When a private student loan is in default, bringing the loan current may require a lump-sum payment as well as written proof of what you can afford to pay ... (See Default)

How a DUI can tank your credit -- While a conviction for driving under the influence won't show up directly on your credit report, the financial ramifications that follow a conviction can really flush your score ... (See DUI)

Old-school phone scammers make comeback with modern twist -- Old-school telephone fraud is making a comeback as fraudsters are again more likely to contact you by phone than through websites or email ... (See Telephone scams)

After the breach: Should you enroll in ID or credit monitoring services? -- Many retailers whose databases have been hacked are offering credit monitoring or identity protection services. Depending on what you sign up for, the services can prevent full-out identity theft, or simply duplicate steps you can take on your own ... (See Breach)

Credit card interest rates linger at 15.07 percent -- Oct. 22, 2014: Average rates on new card offers stayed at 15.07 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates Report, Oct. 22, 2014)

How credit cards impact your credit score -- When it comes to your credit score, credit cards have the power to help you or hurt you; here are the main ways that you, your cards and your score intersect ... (See Credit score)

Co-signing backfire ruins chance to lease an apartment -- A kindhearted gesture backfires for a man who co-signed his sister-in-law's lease: She broke her lease, left a debt, ruined his credit and his ability to rent a new home ... (See Co-sign)

Best way to track all those reward points? -- How do you make sure you really earned triple points on gas purchases on Card A and the miles you were supposed to when using Card B's online shopping portal? There are no easy answers ... (See Rewards tracking)

Cardholder annual privacy statements: You have limited opt-out options -- Cardholders are limited in preventing card issuers from sharing their personal information, but federal law lets you opt out of some info sharing (and annoying marketing) ... (See Annual privacy statements)

Poll: Many cardholders will avoid stores hit by data breaches -- As retail data breaches become more common, nearly half of 985 U.S. cardholders polled by CreditCards.com say they're likely this holiday season to avoid stores that have been hit ... (See Breach poll)

Credit rehabilitation programs don't do anything you can't do -- The money you give to a credit rehabilitation company could be better spent paying down debt because what those companies do you can do yourself ... (See Credit rehab)

Banks seek rule change to allow more cellphone fraud alerts -- Despite a plague of data breaches, banks fear lawsuits if they send fraud alerts via text messages and cellphone calls, according to an industry group ... (See Fraud alert texts)

Retail cards, the Rodney Dangerfields of credit, deserve respect -- Store cards get a bad rap. But closing even an unused retail card can hurt credit utilization and lower your credit score ... (See Retail cards)

Think about money differently, says 'Smartcuts' author Shane Snow -- Author and entrepreneur Shane Snow says if we inventory our habits and question them, we may find more creative money solutions ... (See Shane Snow)

Credit card interest rates hold steady at 15.07 percent -- Oct. 15, 2014: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

7 tricks retailers use to get you to spend more -- Learn how to break the spell retailers cast through tricks such as 'nibbling,' end-cap enticements, overly familiar salespeople and 'specials' that aren't ... (See Retail tricks)

Credit reports key to detecting fraud -- If you suspect someone is trying to open a card account in your name, fraud alerts and credit report monitoring can stop thieves before they start stealing ... (See Fraud)

Trip canceled? Your credit card may reimburse you -- Some cards offer reimbursements on failed travel plans ... (See Trip cancellation)

Compare credit cards' trip cancellation, trip interruption policies -- Does your credit card cover you if you have to cut your vacation short or cancel it all together? Use this chart to compare some of the cards that can ... (See Trip cancellation card policies)

Your rights if a merchant charges you but delays shipping -- You ordered your item and your card was charged, but the merchant takes forever to ship. Do you have any rights to demand faster shipping? ... (See Delayed shipping)

Video: How to build an emergency savings account -- If you are contemplating using credit cards for emergencies, here are a few ideas for building an emergency cash fund instead of increasing your debt load ... (See Emergency fund)

The good and the bad of credit account 'piggybacking' -- Authorized users can greatly benefit from being tagged in an account with a good credit score. But they can also be hurt if the account is not so great ... (See Piggybacking)

How to fix credit report damage from authorized user status -- A mom added her daughter as an authorized user to her card seven years ago, but then filed for bankruptcy. Her dad asks if it's too late to get the card off his kid's credit report ... (See Credit report)

The Unverzagt family's triumph over their credit card debit -- Selected as Clients Of The Year by the National Foundation of Credit Counseling, the 13-person Unverzagt family paid off their credit card debt in five years ... (See Debt-free)

Using rewards to buy a new car -- Some credit cards earn you rewards that can be used as an auto down payment, but consider alternatives such as cash-back cards, too ... (See Down payment rewards)

Credit Card Tuition Payment Survey 2014 -- Paying tuition by credit cards is possible at most large colleges, says a CreditCards.com survey, but expect to pay a convenience fee that averages 2.62 percent -- enough to wipe out all but the most generous rewards ... (See Tuition payment survey)

2014 Credit Card Tuition Payment Survey data -- Find out whether the four-year college or university you're considering will allow you to make tuition payments by credit cards -- and at what cost ... (See 2014 tuition payment survey data)

Buy now, pay forever: Beware negative option plans -- Free trials that aren't free, automatic renewals and other types of "negative option" offers that end up on charging your credit card ... (See Negative options)

Closing joint bank accounts after a breakup -- On joint credit card accounts, problems arise when you carry a balance. Legally, that debt belongs to both of you, even after a breakup ... (See Close joint accounts)

Joint truck lease leaves widow in a lurch -- Leasing a new truck with your spouse doesn't seem like it would be a big deal, unless all of a sudden one spouse is left making the payments alone ... (See Lease)

Prescreened card offers don't impact your credit score -- Prequalified or prescreened credit card offers just mean you meet a card issuer's broad criteria. But if you try to take the offer, the real credit check occurs ... (See Prescreened)

Credit reports hold longer memory than issuers -- You let a card go unpaid for years, then finally paid the account off. The odds of the card issuer remembering your behavior aren't as big as the credit bureaus ... (See Unpaid)

Retailers roll out layaway plans early for 2014 holidays -- Holiday layaway programs are popping up earlier every year. Some retailers are even moving layaway online to vie for consumer business ... (See Layaway 2014)

Charged items have a low risk for repossession -- If someone charges your gift on credit, but then doesn't pay the bill, the odds of it being repossessed are slight. But the risk does exist ... (See Repossess)

Forget the 30 percent credit utilization 'rule' - it's a myth -- When it comes to credit utilization and your credit score, a very low credit-to-borrowing ratio is best, and it's a myth that your score falls off a cliff once you hit 30 percent ... (See Credit utilization)

Study: 7 percent of employees have wages garnished -- About 7 percent of workers had wages garnished in 2013, and workers age 35-44 are most likely to endure that stressful and sometimes humiliating fate ... (See Wage garnishment study)

When new to credit, top rewards cards may be out of reach -- A student about to graduate wants a top-tier travel rewards card to be her first card, but her short credit history may not let her qualify -- yet. Here are the steps to take ... (See Qualifying for rewards)

New industry tools fight credit card fraud -- Card issuers, retailers and other companies are coming up with a host of new tactics to try and stem credit card fraud ... (See Anti-fraud tools)

How leaving a tiny card balance each month affects credit score -- Keeping the balance-to-credit ratio low, paying in full and on time is a better way to get the most from your secured card ... (See $2 balance)

Fed holds course toward rate hike in 2015 -- The Federal Reserve indicated that it will keep interest rates at historic lows for the time being to support the job market, but higher rates are coming ... (See Sept. 17, 2014: Fed holds course)

Don't be 'breakage' -- 7 tips to avoid losing gift card value -- About $1 billion worth of gift cards will go unused in 2014. The industry calls that lost value "breakage" or "spillage" and it means big profits for them and lost money for you ... (See Breakage)

Angrily closing an unused card can hurt credit score -- After applying for a new balance transfer card, only to discover the credit limit too small, he closed the account in anger and now wonders if he acted too fast ... (See Closed card)

6 ways to outsmart data brokers -- You can't stop data brokers from harvesting information on what you buy, how much you make and even how healthy you are. But you can limit what they see ... (See Data)

Don't travel? Opt for other business rewards -- If you don't travel much for business or pleasure, there's no point in getting a small-business credit card that specializes in travel rewards. Instead, look for a cash-back card or one that earns rewards you can use ... (See Business rewards)

Mobile payments raise consumer protection worries -- Consumer advocates worry a mobile finance boom will make it easier to snoop on your buying habits, or even clean out your mobile wallet ... (See Mobile protection)

Personal line of credit: Is it best for you? -- Personal lines of credit are becoming more common for bridging short-term gaps in cash flow. Compare them first with other forms of credit, though ... (See Line of credit)

Be careful with inheritance, spending before bankruptcy filing -- If you're about to file for bankruptcy, what do you do when you know you're about to inherit some money? Can you spend it? ... (See Inheritance)

Charge a lot? Pay early and often to avoid score damage -- Even if you pay your balance off in full and on time each month, if you are charging close to your credit limit, don't expect a high credit score ... (See Pay often)

Best ways to manage a secured card -- Before you apply for a secured card, it's best to know what fees will be charged and whether that card will be the best fit for your credit profile ... (See Secured cards)

Fed: Card balances rise for a 5th straight month -- Credit card balances increased once again in July, marking the fifth straight month of rising card debt this year, the Federal Reserve said Monday ... (See G.19: Fed says card balances rise)

6 rules for 'card flipping' -- While "flipping" cards to take advantage of promotional deals can lead to free travel and other perks, if you don't play the game correctly, you can trash your credit ... (See Flipping)

Cardholder delinquency at lowest level in at least 7 years -- Just 1.16 percent of American cardholders were 90 days delinquent, according to quarterly data from the credit bureau TransUnion ... (See Delinquent cardholders)

How balance transfer cards help or hurt credit scores -- Moving high-interest card debt to a 0 percent balance transfer card can help your credit scores, but only if you play by the rules ... (See Balance transfers and credit scores)

Video: the road to wage garnishment -- Garnishment is complex -- the rules vary by state, your employment status and your income. But it all starts with a failure to pay bills on time ... (See Wage garnishment)

Fed survey says consumers' card discipline is holding firm -- Federal Reserve Survey of Consumer Finances finds that debt burdens remain in check long after the recession's plunge ... (See Survey of Consumer Finances)

Closing 50 cards without damaging credit score -- With an 800+ FICO score at stake, the account-closing strategy should be to take it slow and shut down the newest and smallest accounts ... (See Too many cards)

CFPB warns card issuers: Reveal costs of 0% promotional offers -- No-interest promotions are costly for credit card users who lose the grace period and must pay interest on new purchases, regulators warned ... (See CFPB 0% offer warning)

Preparing your cards for overseas travel -- Planning a trip abroad? Make sure your card (and a backup card) has EMV chip technology, no foreign transaction fees and notify your issuer of your plans ... (See Cards abroad)

Video: 5 credit card questions to ask before traveling overseas -- Before you hit the road, let your card issuer know where and when you'll be traveling, so it doesn't mistake those overseas charges with fraudulent activity. Then, start asking some questions ... (See Travel)

Wrong account info doesn't absolve debt responsibility -- If your card account lists an incorrect Social Security number as yours, that doesn't give you a free pass on paying any debt you've racked up ... (See Wrong info)

How closing cards and student loans affects FICO scores -- Keeping cards active and paying loans on time is best way to maintain a strong credit score ... (See Credit scores)

Discover, AmEx tie for tops in customer satisfaction -- American Express, the perennial leader in J.D. Power's ranking, shares the top satisfaction score for the first time since the survey started in 2007 ... (See J.D. Power)

Tips for detecting card theft -- Yes, there are crooks out there waiting to steal your card info, but if you're vigilant you can stop them before they do too much damage ... (See Theft)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)

Poll: Cash or card for $5 purchase? -- The younger you are, the more likely you are to prefer debit or credit cards for payments of under $5, a new CreditCards.com poll shows ... (See Small payments)

Renting a car? Know whether your card adds insurance -- Renting a car can put your credit card benefits into play, but only if you know what's covered and avoid the exclusions ... (See Insurance)

What to look for when committing to a campus card -- Regulations have changed how campus debit cards work so proceed with caution when signing up for a new account. ... (See Cards)

Seniors vulnerable to credit card fraud -- As people get older, even when they are intellectually still very sharp, it seems to become more difficult for them to determine who to trust and when ... (See Fraud)

8 keys to safe credit, debit card use on campus -- Students who enter college also begin a lifelong journey with credit and debit card use. Here is how to do it safely ... (See Campus card safety)

Paying card bill on time more important than credit utilization -- Maxing out your card will have a negative effect on your credit score, however, the potentially positive payment history might just be worth it ... (See Maxed out)

Video: Why was my credit card application denied? -- Ever had your credit card application denied? No one likes rejection, but there are a few things you can do to improve your chances of being approved ... (See Rejected)

Credit card life after bankruptcy -- After bankruptcy, issuers will be wary of lending to you. Applying for a secured card is a way to boost your FICO score and show lenders you can be trusted again ... (See Bankruptcy)

6 signs of bad financial advice -- While good sound nuggets of money advice can help you keep money in your pocket, bad advice can leave you digging out of financial hole ... (See Advice)

Maxed out cards? Don't open another one -- She's maxed out five credit cards and can't pay what she owes on them, but asks if it's OK if she can use the new credit card she got ... (See Maxed out)

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

Don't expect big score boost when unpaid debt falls off credit report -- Is an old debt, charged off seven years ago, finally falling off your credit report? Sorry, but there's not likely to be a big rise in your score. It could even fall ... (See Old debts)

How to spot and prevent medical identity theft -- While credit card breaches have grabbed headlines, fraudsters have been homing in on an even more lucrative source of identity theft: medical records ... (See Medical ID theft)

Understanding credit limits and how they work -- Understanding how charging and repayments work with your first card can save you from financial headaches in the future ... (See Credit limits)

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

8 ways to get friends to repay a personal loan -- A pal was in a bind and turned to you for help. Sensing urgency, you agreed, but now you're not getting repaid and your frustration is growing as fast as the excuses ... (See Repay)

Should I pay my business's bills by credit card? -- Using plastic to pay contractors and other recurring business bills can be a good way to rack up rewards points and improve cash flow. But beware it does not become a crutch ... (See Business bills)

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

FICO 9 credit score formula lessens impact of medical debt -- People with paid-off debt or medical debts will see scores rise with the new FICO math, while others will receive lower marks ... (See FICO formula)

New to US? A primer on how to create, build a credit history -- If you're new to the U.S., our credit reporting system can be daunting. Here's a primer on how to create and build a credit profile ... (See New credit)

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

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

Make financial planning as easy as 50/20/30 -- In Alexa von Tobel's best-selling book, "Financially Fearless," she simplifies financial planning with a quick and easy method for spending, saving and having fun ... (See Fearless)

Did Macy's ruin my credit when it closed, reopened my card account? -- A shopper is concerned that her credit score is ruined when Macy's closed her old card after issuing her a new one. Don't worry, Sally says ... (See Closed credit card)

Virtual debt collection lets you negotiate, settle up online -- With a computer or a smartphone, you can review a claim, set up a monthly repayment plan or even cut a debt settlement deal with an algorithm ... (See Virtual collection)

More apartments accepting payment by credit card -- If you could pay your rent with plastic, would you? As more landlords offer that option, renters have to weigh carefully whether it's the best way to pay ... (See Charge rent)

New moves to protect military members from financial fraud -- Federal and state regulators are cracking down and pairing with other groups to offer education, protection and recourse for military service members in the crosshairs of financial fraudsters ... (See Military and fraud)

New myth: Closing a credit card account always hurts your score -- It's a new myth that closing a credit card account always hurts your score. The information about the card (good or bad) sticks with you for (seven to 10) years ... (See Myth)

6 strategies to fight 'frugal fatigue' -- When penny pinching starts to hurt, "frugal fatigue" can set in. Here are six strategies to keep your savings on track ... (See Frugal fatigue)

4 reasons why college kids need a credit card -- You might want to shelter your college kids from the complicated world of credit (and potential debt) for as long as possible, but at some point they will need to learn the ropes ... (See College)

Personal loan consolidation won't help win a mortgage -- In trying to qualify for a mortgage, it probably won't help to consolidate several small personal loans into a big one with a higher rate ... (See Consolidate)

After illness, cards maxed out, turned down for loans -- When illness results in rising card balances and the banks won't give you a loan to pay them off, what paths can you take to get help? ... (See Maxed out cards)

9 ways to revive your New Year's financial resolutions -- Have you fallen off the financial wagon with those money resolutions from January? These nine steps will get you back to where you need to be ... (See Resolution revival)

Preapproved vs. pre-screened card offers: a big difference -- At first glance, a preapproval letter from a credit issuer can seem like an official invitation to a hot new nightclub. Yet when you arrive, you may be rudely turned away. ... (See Preapproved)

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

30 renowned restaurants that don't take credit cards -- Some beloved eateries refuse to take credit cards from patrons, yet still find a way to thrive ... (See 'No credit card' restaurants)

Tax lien won't impact shared credit card -- When adding someone with a tax lien to your card as an authorized user, that won't open any doors to the Internal Revenue Service ... (See Uncle Sam)

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

Rebuilding fiancee's credit one small monthly charge at a time -- In his debut column, former FICO executive Barry Paperno endorses a one-small-monthly-payment plan for an engaged couple ... (See One payment at a time)

Anatomy of a credit card -- With the coming of chip cards, the anatomy of a credit card has become even more crowded. Do you know what all the parts are and what they do? ... (See Card anatomy)

Yay! 3 cards paid off. Now what? -- Paying off card debt brings immeasurable relief, but once the balance is zero, do you keep the cards open or close them immediately? ... (See Paid off)

'Supersurvivors' author: Crises carry profound financial impacts -- In the book 'Supersurvivors,' Lee Daniel Kravetz and his co-author looked at those who survived crises and found virtually every type of traumatic event, even if not primarily financial, has profound financial consequences ... (See Supersurvivors)

8 FAQs about EMV credit cards -- The way you use a credit card is changing as the U.S. catches up with the rest of the world and moves to cards. Here, in Q&A format, is what you need to know about the transition ... (See EMV FAQ)

Bad debt but good income? Your credit can be fixed -- For a price, lenders are willing to forget your old credit sins, as long as you have enough income to prevent any new ones ... (See Income trumps debt)

Small banks, credit unions keep debit rewards programs alive -- Three years after big banks started pulling the plug on debit card rewards programs, many small banks and credit unions are finding surprising success in offering similar rewards to their customers ... (See Debit rewards)

Spotting and avoiding hidden hotel fees -- Taking a page from airline and card industries, hotels are raking in billions of dollars a year in unexpected and sometimes hidden fees. Here's how you can steer clear of such costs ... (See Hotel fees)

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

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

How minimum payments are applied to small balances -- Don't slip up and forget a credit card payment when the balance is almost paid off. A late fee could be larger than your minimum payment ... (See Minimum)

10 times NOT to use credit cards -- Credit cards are convenient, but if you want your sanity and pocketbook to survive intact, give the poor things a rest sometimes ... (See 10 times not to use cards)

Video: 5 steps to secure smartphone data -- Your smartphone may be lost, stolen or hacked – and along with it goes your financial and personal data. To secure personal data on your smartphone, take these five simple steps ... (See Mobile data security)

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

P.F. Chang's goes old school to combat fraud -- P.F. Chang's China Bistro restaurants in the U.S. have dusted off old-school manual card readers to use while the chain investigates a potentially large-scale data breach ... (See P.F. Chang's)

Child charged merchandise on mother's account? Return it -- A child who charged merchandise without permission needs to learn a lesson; have her stand by as Mom calls the card company -- and the cops ... (See Unauthorized)

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

What's your 'real' FICO score? All of the above -- Have you ever wondered why your FICO score varies from one time to the next? Today it's 700, tomorrow it's 720, a month later it's 785! Then the car dealer runs your credit report and informs you that your score is a mere 699! What happened? ... (See 'Real' score)

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

CFPB seeks lower-cost ways to serve up mobile banking -- As banking moves to mobile devices, banking regulators want to make sure consumer protections and cost savings go along ... (See Mobile banking)

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

How young adults can use credit safely -- One of the first lessons of young adulthood: it's much easier to get into debt than get out of it. We look at some of the pitfalls young people fall into with credit and how to avoid them ... (See Young credit)

On-time payments cure the stinkiest credit -- With not much credit or income, a reader's best ally is time and a lengthy series of on-time payments, says Erica ... (See On-time payments)

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

One mistake results in big credit score drop -- A single mistake on a card bill caused a huge drop in a customer's score and highlights a credit rule: The bigger the score, the harder the fall ... (See One mistake's credit score cost )

Paying, not purchasing, improves credit scores -- If you already carry a balance, don't worry about making new purchases -- just pay down your debt on time and your credit score will rise ... (See Purchases and credit scores)

SBA disaster loans -- not just for business -- When disaster strikes, SBA loans may help -- even if you're a consumer. But it helps to know what to expect ... (See Disaster loans)

Mom piggybacked on realty agent's troubled account. What now? -- A real estate agent convinced an elderly woman to sign on to the agent's credit card account to build credit history. But now the agent is bankrupt and collections agents are calling. How can the woman's daughter help? ... (See Piggybacking)

Thanks, Sis, but I'm ready for my own card now -- A man who got his sister's help to raise his score is ready to graduate to credit on his own -- taking his remaining debt with him via balance transfer ... (See Balance transfer)

6 fears that keep people from financial advice -- Nearly half of Americans don't know who to trust for financial advice. Here are wise ways to get over that and other fears ... (See 6 financial fears)

Mom opened checking, credit accounts in my name, left a mess -- Fraud, even by a family member, is a crime that should be reported in order for you to start the process of salvaging your credit ... (See Family fraud)

'Dragnet Nation' author Julia Angwin: May I have my privacy back? -- The Pulitzer Prize-winning reporter's book investigates who is watching us online, what they're doing with the data (including selling it), and why it matters. ... (See 'Dragnet Nation')

Move beyond the starter card with a personal loan -- A perfect payment record on a starter credit card won't earn great rewards. Try a personal loan at the same bank that offers the rewards card you want ... (See Starter card)

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

Lower credit limit surprise nearly spoils a sale -- The checkout counter is a bad place to find out your card's credit limit has been dropped to $100. Good payment habits should prevent such surprises ... (See Credit limit)

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

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

How to stop sending mixed money messages to your kids -- A substantial number of parents admit to bribing their kids for good behavior or 'borrowing' from their piggy banks. Here's how to set a better example ... (See Mixed messages)

Don't just transfer a balance, pay it down -- It's worthwhile to transfer a balance if the only other card is a dud -- but do the math and have a plan to whittle that balance down ... (See Balance transfer)

How to rebuild credit in 5 (slow) steps -- Don't think of rebuilding bad credit as a race -- slow and steady changes are needed. Time and patience are your allies ... (See Gradual growth)

Authorized user backfire hurts son's credit score -- Adding their son as authorized user backfired after they both lost their jobs. Now his plan to buy a house is in jeopardy ... (See Authorized user backfire)

How quickly is my card payment posted? -- It can take a few days for your card issuer to post your payment -- and for someone with a low-limit card, that can matter a lot ... (See Payment posting)

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

Judgment-proof debtors have an imperfect shield -- If you are poor enough, a court judgment for debt has little threat. You're "judgment-proof," with wages and belongings shielded by law from collectors -- but that does not mean you can relax ... (See Judgment-proof debtors)

Settling a debt after a judgment -- Even after a judgment is entered against you, it is still possible to settle a debt for less than the court-determined amount -- maybe much less ... (See Settling debt after judgment)

Debt judgment may trigger bankruptcy -- Bankruptcy shields you from debt collectors, but comes with serious consequences that must be weighed ... (See Debt judgments and bankruptcy)

Court judgments for debt: Your options after the gavel -- A court judgment for debt can lead to seizure of wages and property, but there are steps to protect yourself after the decision comes down ... (See Judgments for debt: after the gavel)

Compare rewards cards for business gas spending -- If your business buys gasoline, why not be rewarded? Business credit cards and specialized fleet cards both offer programs to reward and track fuel purchases ... (See Gas rewards)

They divorced, he died, she's stuck with his $40,000 student loan -- Even though they were divorced before his death, she co-signed on his $40,000 student loan, which means she's asked to repay. What are her options? ... (See Student loans and death)

Getting teens to see plastic cards aren't 'invisible money' -- It's tough to decide when a child is ready to graduate to having a debit or credit card. One test: Can they see that the money they spend is real? ... (See Invisible money)

There ain't no cure for the bad co-signer credit score blues -- When you co-sign, you agree to take on responsibility for the loan -- and the credit damage that results if it's allowed to go into default ... (See Co-signer credit score blues)

During Chapter 13 bankruptcy, secured cards tough to get -- Banks may reject your credit card application, even for a secured card, while you're under the strict money diet imposed by a Chapter 13 bankruptcy ... (See Secured card)

Debt rises by 5 percent in top 20 cities -- A study by the credit bureau Experian shows borrowing is on the rise again in 19 of the 20 biggest U.S. cities, with Dallas, Houston leading the way ... (See Average debt)

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

Small-business bank loans become a bit easier to get -- Bankers are becoming a bit more accommodating to small businesses, new research shows, but they're still hard, so know all your choices ... (See Bank loans)

Prepaying principal, paying ahead not the same -- Your auto lender would probably prefer you just pay ahead, since that won't cost them anything. But if you want to lower your costs, prepay the principal ... (See Prepaying)

Divorced woman still cleaning up ex's financial mess -- Five years after their breakup, a woman is trying to see if there's a way to undo the financial damage her ex dumped on her and she unwisely kept ... (See Ex's mess)

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

Big bill, small credit limit: Know your options -- In one hand is a big bill. In the other, an offer for a credit card with a 0 percent interest rate, but a too-small credit limit. They're not the only choices, Jane says ... (See Credit limit)

Taking over parents' finances: first steps -- Don't wait until it's too late, get information now and make necessary changes while they still have the capacity and legal authority to do so ... (See Parents' finances)

'When She Makes More' looks at female breadwinners -- Author Farnoosh Torabi plumbs the emotional and financial complexities that pop up when women out-earn their male counterparts ... (See 'She Makes More')

Foreign boyfriend's check-cashing request sounds like fraud -- The Internet has created an industry of romantic swindlers whose sole purpose is to rob you by making you think with your misplaced heart ... (See Swindler)

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

Debt settlement vs. bankruptcy: Which damages credit score worse? -- Debt settlement means the creditor gets at least something back, so it damages credit scores less than bankruptcy, which wipes out debt ... (See Credit damage)

YOLO: When is it OK to splurge? -- You max out your 401(k), never carry a card balance and have an emergency fund. When is it OK to blow the budget on a you-only-live-once moment? ... (See YOLO)

How to perform a credit transfusion on your spouse -- It's a tricky and dangerous procedure, but it's possible: The spouse with good credit can absorb the bad-credit person's debt by balance transfer ... (See Credit transfusion)

For MoneySavingMom blogger, fulfillment, frugality go together -- Successful blogger Crystal Paine offers an adjustment strategy for the too-tired, too-stressed woman whose supermom outfit has become too tight ... (See Crystal Paine)

Got a medical card, but can't afford the procedure -- A dentist suggested financing a procedure with a medical card and then charged upfront; now the patient wants to cancel ... (See Cancel medical debt)

Paying your tax bill with prepaid cards -- Popular Vanilla Reloads are becoming harder to find, but credit card rewards seekers still have options to avoid hefty tax-payment card fees ... (See Tax points)

Secure, or not? Assess the risk before sending credit card info -- We asked Internet security experts to rate the common methods of sending credit card information to see which pose the greatest risks ... (See Data risk)

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

Author Steve Bucci: Take the slow, steady road to good credit -- "Credit Repair Kit for Dummies" author Steve Bucci says there's no magic wand to a quick credit fix nor is there a credit repair fairy ... (See Credit repair )

You don't have to wait for a zero-balance statement to avoid interest -- Caution is good, but you don't have to wait for a zero-balance statement to use a credit card again. Paying on time avoids interest charges ... (See Zero balance)

Best card to send with kids to Europe -- His two 20-year-olds head to study abroad this fall, armed only with their debit cards. Dad wants to know if he get supply them with a credit card, too ... (See EMV)

10 tips for dealing with debt collectors, collection -- First, pull your head out of the sand. Next, educate yourself on your rights and on who to reach out to for help or to register a complaint ... (See Debt collection tips)

Don't be fooled into falling for these 8 scams -- Here's the lowdown on eight hot scams, cons and swindles that criminals are employing to separate you from your money, along with tips for avoiding them ... (See 8 hot scams)

Finding the best rewards card for frequent Saudi Arabia travel -- For a businessman who will be traveling to Saudi Arabia a lot for work, the advice is similar to that for other travelers: decide on an airline and hotel chain that fit your needs, then find a credit card tied to them. And don't forget about fees ... (See Saudi Arabia travel)

3 who bounced back from bankruptcy to millionaires -- Bouncing back after a bankruptcy may not be easy, but it can be done. The most prosperous of the rebounders analyze their past shortcomings, chart a better route, then march full force into the future ... (See Bankruptcy to millionaire)

On disability, facing interest rate creep -- She was on her card's hardship plan to keep her APR low, but then the company changed ownership and her rates keep rising. Is there any recourse? ... (See Hardship rate)

Healing your inner financial child -- If you’ve been struggling to break certain financial habits, the problem may not be your budget, but rather your childhood ... (See Habits)

Can I use my credit card after bankruptcy? -- There is no specific amount of time you have to wait before you can start charging again after bankruptcy. In fact, it can even help rebuild your credit ... (See Bankruptcy)

Winning the credit 'Game of Thrones' -- Managing your credit cards can sometimes feel like waging an epic battle with unseen enemies on all sides -- sort of like the characters on "Game of Thrones" ... (See Games)

Not all free credit scores are created equal -- More than 25 million credit cardholders now have regular access to a credit score through their credit card issuers, but that free score may not be the comprehensive, tell-all number you think it is. ... (See Scores)

Assets online? Plan your estate for the digital age -- Financial accounts, credit card rewards and even treasured photos are often online-only these days. Take these steps to help an heir to find them, and pay your bills to boot ... (See Digital estate plan)

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

Does more 'stuff' really make you happy? -- Buying stuff gives you a quick high, but that doesn't last for long, says "Stuffocation" author James Wallman. By focusing your time and money resources on experiences instead, you’ll find joy while also avoiding depressing debt. ... (See Stuff)

Student loan payments choking new grad -- With student loan payments taking up 57 percent of her income, a new grad ponders defaulting as she can't see how she can keep up ... (See Default)

What interest rate increases will cost cardholders -- Consumers will pay up to $192 million more a month on their credit card balances starting this month, according to Federal Reserve data ... (See Rising card rates)

Medical card pays for endorsements -- GE Capital's CareCredit card pays dozens of professional societies to help market its high-rate health care credit card, raising questions that could cloud the doctor-patient relationship ... (See Medical card endorsements)

Who's responsible for kids' unauthorized card charges? -- You're not responsible for unauthorized purchases, but when the unauthorized purchaser is right under your own roof, things can get fuzzy ... (See Unauthorized kids)

Familiar fraud: When family and friends steal your identity -- When identity fraud victims know their imposters, it can rip apart relationships as it ruins finances, making it a tough crime to overcome ... (See Familiar fraud)

Paying all you can vs. leaving a cushion in savings -- If there's enough money to make a big dent in your card debt but not enough to pay it off, you have choices to make, and the right one depends on your goals ... (See Paying vs. savings)

Don't default on a stipulated judgment -- When you agree to pay a creditor a reduced, but fixed amount each month to satisfy an old debt and then default, you risk having to pay the full balance ... (See Stipulated judgment)

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

Q&A with security expert Slava Gomzin on the safest way to pay -- What's being done to protect cardholders at checkout -- and what can we do in the meantime to protect ourselves? We asked Slava Gomzin, security and payments technologist at Hewlett-Packard and author of "Hacking Point of Sale" ... (See Slava Gomzin)

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

9 signs your spouse is a financial bully -- Many couples argue over money, but what if your spouse takes away your credit cards or demands you turn over your paycheck? Watch out: you might be married to a financial bully ... (See Bully)

Too late for a refund? Return assistance programs may help -- Credit card return assistance programs extend the window for refunds on products you've bought with the card. But you'll find lots of exclusions in the fine print ... (See Return assistance)

Help! Mom trashed my credit -- It's tough to find that a card you never signed up for is dragging down your credit and chances for employment, but if you were just an authorized user, you'll get off easy ... (See Credit)

Son uses dad's card after he dies -- Believing the card he shared with his dad was a joint account, the son kept using the card after Dad's death. But he was just an authorized user, so who's to pay the bill? ... (See Debt)

Credit cards that offer free credit scores -- A growing number of card issuers give you a no-cost way to watch the number crucial to your financial health ... (See Scores)

Savings clubs: Not just for Christmas anymore -- Small banks and credit unions have extended the Christmas Club tradition to encourage savings for both good times and bad ... (See Savings clubs)

Disabled? How to discharge federal student loans -- After taking out student loans to earn a degree, medical issues kept her from pursuing her career. Now 65, she owes big, and a discharge may be her best bet. Here's how to win one ... (See Discharge)

CFPB calls for free credit scores -- The Consumer Financial Protection Bureau has urged credit card issuers to make credit scores available to customers for free ... (See Consumers want free credit scores)

If authorized user goes bankrupt, account holder's credit not at risk -- Granting authorized user status to a partner who later goes bankrupt won't risk your credit, but watch out for any joint accounts ... (See Partner's credit)

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

Complain and win: 4 tips for calling credit card customer service -- If you have a problem with your card, don't let endless options and hold music deter you. With a little knowledge and the right attitude, you can get results ... (See Service)

How to keep but not go broke with expensive friends -- Unless you want them to visit you in the poorhouse, understand why you want to match your high-spending pals dollar for dollar, then find less-expensive alternatives ... (See Expensive friends)

Steps to building your credit before 1st auto loan -- A newcomer to credit, even someone who's handled credit well so far, won't have a great score. Additional work is need to get a good first auto loan ... (See 1st auto loan)

Poll: Who Americans blame for data breaches -- As data breaches mount and put personal information at risk, a poll finds most Americans lay the blame on laxness by retailers ... (See Data breach blame)

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

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

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

Military families remain easy prey for ID theft -- A move to strip Social Security numbers from military IDs is underway, but millions of old cards will leave soldiers vulnerable to ID thieves for years to come ... (See ID theft)

How rapid rescoring works to improve a credit score -- A rapid rescore can be requested by a mortgage lender to quickly undo damage from an erroneous credit report, but it won't erase your old mistakes ... (See Rapid rescore)

Rewards programs move toward flexible, immediate spending -- As frequent flier and hotel rewards programs get devalued, credit card issuers are offering new ways to redeem your points, from taxi rides to paying your mortgage ... (See Flexible rewards)

Credit card approval tips for new immigrants -- New to the U.S.? Until you understand the American credit rating system, expect to be continually rejected for new credit cards ... (See New to U.S.)

8 savvy habits of high-volume credit card users -- Some cardholders have learned how to charge and pay off massive sums on their credit cards while always coming out ahead. Here's what they're doing right ... (See Savvy habits)

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

2014 balance transfer survey: Beware combo deals, two-tier fees -- Long-lasting 0-percent balance transfer offers abound to help consumers pay down card debt, but new tweaks aren't so friendly ... (See Balance transfer survey)

5 financial cleanses to break bad money habits -- Take a page from the nutritional world and go hard core after the parts of your financial life you want to change with these five money cleanses ... (See 5 financial cleanses)

How many is too many credit cards? -- If you've got great credit, 0 percent promotional deals are there for the taking. But does having too many paid-off cards a good or bad thing? ... (See Too many cards?)

When is it time to 'cut off' your financially dependent parents? -- If you’re a parent, you may be used to financially helping out your kids. But what if the tables turn and your own mom or dad starts coming to you for money? How much should you help them out? ... (See Cut off your parents)

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

Moving out? Don't forget about the credit cards -- Relocation is stressful enough without having it damage your credit. With a bit of planning, you can maintain your sanity -- and your credit score ... (See Moving and credit)

Don't confuse introductory rate, deferred-interest deals -- Interest accumulates like a ticking bomb on deferred-interest deals, exploding into huge charges if you don't pay the balance in time ... (See Intro vs. deferred)

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

Do you have what it takes for DIY debt settlement? -- Settling your own debts instead of hiring someone else can save you money and put you in the power seat, but it's not for the fainthearted ... (See DIY debt)

How to let kids fail their way to financial success -- As parents, the instinct is to protect children from making mistakes -- especially costly financial flubs. But knowing how to handle mistakes can mean the difference between an error becoming a learning opportunity and a bad habit ... (See Kids' money mistakes)

Ex's ID theft thwarts new couple's finances -- His ex-wife racked up debt in his name on a secret credit card, but agreed to pay if off in the divorce. But how does he clear the debt off his credit reports? ... (See Ex-debt)

How long can a judgment impact your credit score? -- Once you have a judgment against, you, it's bad: Some state laws allow them to be in force for decades. But it may fall from your credit report sooner ... (See Judgments)

Credit cards: our moral guardians -- When it comes to arbiters of morality and integrity, we look toward the Ten Commandments, our moms and -- in a strange and largely unnoticed new trend -- the corporate behemoths that issue our credit cards ... (See Guardians)

Single mom struggling with card payments -- A single mom living paycheck to paycheck wonders how she can clear up the charge-offs and late payments listed on her credit reports ... (See Credit score)

As online gambling booms, credit card acceptance lags -- States turning to online gambling find the credit card industry is reluctant to join the game, leaving gamers scrambling for alternate ways to ante up ... (See Online gambling)

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

Erroneous loan default report won't affect other credit accounts -- When a large error claiming you defaulted suddenly appears on your credit, you have to fight to remove it, but it won't impact other loans ... (See Not my debt)

Closing excess cards without hurting credit score -- With a wallet full of retail cards, just how do you go about closing the extraneous ones without incurring too much credit score damage? ... (See Closing cards)

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

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

Keeping a card balance to boost credit score is dumb advice -- Some financial "experts" claim that carrying a small balance on your credit cards is good for your credit score. It's time to kiss that myth goodbye ... (See Balance)

Q&A: How to save $1,000 a month -- Author Brian O'Connor cut his own middle-class budget by $1,000 per month and found that, in many cases, it was easier than he expected ... (See $1,000)

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

Why Johnny can't save money -- and what schools should do about it -- As the feds push for more financial education in public schools, questions linger about how financial subjects should be taught -- and whether they're even teachable for school children ... (See Literacy)

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

9 credit-building tips for US immigrants -- The land of opportunity requires newcomers to establish credit anew once they arrive in the U.S., but you can go from nothing to good credit in a short time ... (See Immigrant credit)

Psst! A hot tip on debt elimination companies: They're bogus -- So the guy at the airport lounge was saying how a debt elimination firm cost just $49 to cut all debt. It's real, right? Erica splashes cold water in a reader's face ... (See Debt elimination )

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

How to get to that long-haul international flight for free -- A trip to the Middle East is expensive, whether you're paying with reward points or dollars. But combining a couple of credit card sign-up bonuses can nearly get you there for free ... (See Bonuses)

Credit card late fees could rise in 2014 -- The CFPB has added $1 to the amount that first-time offenders can be charged for a late credit card payment, raising it to $26 ... (See credit card late payment fees)

Options you haven't thought of for raising quick cash -- Cash crunch? Yes, you should look for more income. But turn over every stone, including utility refunds, pawnshops, eBay and adjusting your withholding ... (See Quick cash)

She took cash advances on his card, then he died. Does she owe? -- A woman worries that the cash advances she made as an authorized user on a now-deceased man's card will raise the ire of his family ... (See Liability)

The financial power of negative thinking -- Optimism may feel good, but pessimism is sometimes more helpful in building wealth. Here are six times it pays to have a more pessimistic financial outlook ... (See Negative thinking)

Options for overcoming thin credit -- If you've had little or no credit history and have no income, secured cards and becoming an authorized user are your best options ... (See Overcoming thin credit)

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

Eldar Shafir Q&A: Money worries lead to poor financial decisions -- Constant concern about money makes you prone to poor financial decisions, says "Scarcity" co-author Eldar Shafir ... (See Broke)

Need a last-minute tax deduction? Try a credit card charity network -- By donating through a major credit card's charitable giving network, you can pledge (and get the deduction) today, pay the bill next year ... (See Taxes)

Having trouble making your credit card payments? -- Do your best to continue making minimum payments on your cards. For any cards that you are not able to pay, communicate regularly with the card issuer to let them know the status of your situation ... (See Late payments)

Will prepaying card bill help credit score? -- Paying your credit card bill as early as possible is a good habit, but it won't help your score any more than paying it on time ... (See Prepaying a credit card bill)

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

Video: How to use EMV smart chip credit cards -- U.S. financial institutions are finally issuing credit cards with EMV computer chips, which are widespread in other parts of the world. They promise to be more secure than traditional magnetic stripe cards ... (See EMV cards)

Data breach protection: 10 tips -- When your card data may have been stolen by hackers in a data breach, it's no time to panic, but do be vigilant and ready to take action if unauthorized charges show up ... (See Data breach protection)

Should you remove money from your retirement savings? -- Generally, it is considered a bad idea to take money out of a retirement account to pay off debt, particularly if you must pay early withdrawal fees ... (See Retirement withdrawal)

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

Yes, get a second credit card, if you used the first wisely -- But beware: If you're not paying off the balance every month on your primary card, applying for a second card won't help and could get you into trouble ... (See Second card)

Former 'credit junkie' Beverly Harzog comes clean -- Personal finance expert Beverly Harzog unveils her secret addiction to credit in a new book, "Confessions of a Credit Junkie" ... (See Credit junkie)

Bad idea: using credit cards to pay for a move -- Relocating to another state without a job, emergency fund or a place to live is just bad planning. Living off credit cards until your ship rolls in is even worse ... (See Living on credit)

Some frequent flyer miles, reward points can be inherited -- You aren't going to be able to take those frequent flyer miles with you on that trip to the great beyond, but you might be able to pass them on to your kids ... (See Inheriting frequent flyer points)

Major retailers' return and receipt policies -- Our survey of 12 large retailers' policies regarding returning items without a receipt shows most allow it -- within limits ... (See Return policies at 12 major retailers)

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

How soon after bankruptcy can you get new credit cards? -- With a Chapter 7 bankruptcy almost behind you, how soon is too soon to start applying for new credit? And will you be approved? ... (See Post-bankruptcy)

Lending to friends and family: Your 4-step guide -- Lending to people you know can be fraught with risk. If you're going to do it, follow this 4-step guide to check expectations and improve your chances of success ... (See Family loans)

Sample promissory note for loans to family, friends -- If you're lending to a relative or friend, you'll want to craft a written agreement. This free sample promissory note spells out how and when you are to be paid, and what happens if the borrower doesn't repay the loan ... (See Sample promissory loan note)

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

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

Death announcements serve notice to creditors -- A published death announcement serves notice to creditors that the clock has started ticking for them to file claims against the estate ... (See Death notices)

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

What kind of plastic can you get with fair credit? -- With FICO scores in the low 600s and numerous hard inquiries on his credit reports, will card issuers accept or reject his card application? ... (See Fair credit)

Card issuers soften mandatory arbitration rules -- Signing away your right to go to court is part of most credit card agreements, but the CFPB is taking a look at mandatory arbitration requirements ... (See Mandatory arbitration)

What's the big deal about secured cards? -- When your credit is trashed or you have a thin credit file, building up a solid credit score can be within reach by just signing up and using a secured card ... (See Secured cards)

Death, wills, remarriages can all change inheritances -- State law governs what happens when a person dies without a will. Typically they assume that any assets of the deceased should go to a surviving spouse before going to a child ... (See Lost inheritance)

What percentage of available credit should you stay under? -- How much of your available credit should you use to keep a high credit score? There's no one-size-fits-all answer, but the less credit you use, the better ... (See Ratio)

FICO credit-score giveaway coming to Discover cardholders -- Discover's the latest bank to add free credit score access as a routine service, completing the route of the once-secret three-digit number to full public view ... (See Credit scores)

Using your card for fast cash is costly -- Sometimes a cash advance from your credit card can be a lifesaver, but high fees, interest charges make them costly for routine cash flow fixes ... (See Cash advance)

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

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

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

Tips for building credit before renting a home -- Landlords commonly check the credit history of potential renters; knowing and polishing yours can hand you the keys to a new home ... (See Credit check)

Great degree, great job, but no credit -- Recent college grads shouldn't expect to be granted easy access to credit once they land a job. Building a great credit score takes time, patience ... (See New credit)

How to use the grace period to avoid paying interest -- Taking advantage of the grace period's break on interest charges can save the typical card user a couple hundred bucks a year, but the savings aren't automatic ... (See Grace period)

Can a doctor's office charge a credit card surcharge? -- Like other merchants, doctors' offices are allowed to charge a fee for accepting credit cards, but at the risk of aliening patients ... (See Credit card surcharge)

Forging hubby's signature on a card application -- Forging a spouse's signature here and there may be OK, but never on a credit card or loan application, and not if it's done secretly ... (See Forgery)

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

Can card issuer send bills just 11 days before due date? -- The Credit Card Accountability Responsibility and Disclosure Act of 2009 says consumers should get 21 days from the time the bill was sent until it's due ... (See Due dates)

When's a good time to drop dad's card? -- His dad helped him get off to a good credit start by sharing a card with him during college. Now, at 23, it's time to drop dad's card and get his own ... (See First card)

Beware: 7 retailer tricks that make you spend more -- From jumbo-sized carts to BOGO deals, retailers employ all sorts of tactics to nudge you into buying products that aren't on your list ... (See Retailer tricks)

Mobile apps help track business credit card receipts -- A handful of receipt-tracking apps now offer new ways to track business expenses, allowing you to capture receipts and file them on the fly ... (See Receipts)

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

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

Ex-wife racks up debt on joint accounts -- When a marriage is over, joint accounts should be severed. If not, an ex's financial misbehavior can come back to haunt you ... (See Divorce debt)

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

Cards maxed out for 10 years? Perhaps you need a plan -- If you've lived for a decade with maxed-out credit cards, consider a debt management plan, but pick your counselor carefully and know the credit impact ... (See Debt plan)

Make sure your first card is a good fit -- Shopping for your first credit card is much like finding that perfect pair of jeans -- it has to fit your income as well as be age and credit appropriate ... (See First card)

Buy lottery tickets with a credit card? Probably not -- A web of state laws, retailers, card policies restrict or ban the practice ... (See Lottery tickets and credit cards)

3 ways to curb pre-holiday money stress -- Ah, the holidays. From Halloween to New Year's Eve, it's common to experience the financial freak out. Must you, though? No, say the experts ... (See Holiday spending)

Is a widow liable for using dead husband's card? -- After the death of a spouse, continuing to use his or her plastic can be considered fraudulent. And if you can't make the payments, the issuer can come after you ... (See Debt on dead spouse's card)

Adding a spouse as authorized card user to boost score -- Couples looking to buy a house can buff their team credit score by having the person with better credit add the partner with worse credit as an authorized card user ... (See Score)

Video: Hoard or shred? Organizing financial records -- Having too many paper records lying around may increase your risk of identity theft. But some documents are essential to save -- mainly for tax purposes ... (more)

Getting rid of old medical debt -- When old medical debt is keeping you from moving ahead with your life, it's time to take action. Either pay it off or work out a debt settlement with collectors ... (See Medical debt)

7 ways to prep for a lean holiday season -- Avoid buyer's remorse this season by checking out these expert tips for keeping your spending frugal but festive ... (See Holiday spending)

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

Chronic late credit card payments: How bad can fines, fees get? -- Occasional tardiness won gentler treatment under a 2009 reform law, but repeat offenses bring heavier penalties ... (See Late fees)

Who pays card bill after parent dies? -- Once a parent passes, all bills should go through his or her estate. Even if you used the card with permission prior to death, if it's not your card, it's not your bill ... (See Liability)

Becoming disloyal: 6 reasons to quit a loyalty program -- Yes, you love your perks and discounts, but at some point, your loyalty may cost you too much time and headaches to be worthwhile ... (See Loyalty programs)

Seeking low-interest cards in quest for a better credit score -- If you're trying to recover from bad credit, will canceling old cards and opening new cards improve your credit score? ... (See Credit score)

Turned down for secured card. Now what? -- After being turned down for a secured card, which is designed for people with bad credit, are there any other options to rebuild your credit? ... (See Rejected)

How much can collectors increase charged-off debt? -- Courts are setting higher standards for debt buyers to prove their right to charge you interest after a bank has written off your debt ... (See Charged-off debt)

7 jobs that require great credit -- Before applying for that dream -- or even interim -- job, you may want to pull your credit report and deal with any problems first ... (See Jobs requiring credit check)

Yes, debt collectors have the right to collect, and sue -- Some people mistakenly believe that when a debt is charged off, the obligation to pay disappears. Not so. Debt collectors have the legal right to pursue, and sue, you ... (See Debt)

Government shutdown obstructs credit card applications -- The government shutdown has cut off IRS income verification services that lenders use to approve loans, including some credit cards ... (See Shutdown hits card apps)

Banks soften due dates, offer help to furloughed federal workers -- Banks are offering special help for victims of a man-made disaster -- the federal government shutdown that has furloughed federal workers and forced them into economic hardship ... (See Furlough)

12 creepy details data collectors know about you -- Think you can keep your rendezvous to Montreal a secret between you and your sweetie? Not anymore. Personal data is no longer considered your own private business ... (See Data)

Fiancee leaves ex with big pre-wedding debts -- He gave her his credit card to buy a $3,600 dress and financed a $9,000 ring. Then she left the country, taking it all with her. What's a jilted lover to do? ... (See Wedding debt)

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

Landing and maintaining an unsecured line of credit for your business -- For small businesses with few assets seeking the flexibility of on-demand funds, an unsecured line of credit can be an ideal option. Keep these pointers in mind when considering one ... (See Unsecured)

Wage garnishment laws differ by state -- If you're served with a summons for unpaid debt, where you live will determine whether a creditor can recoup funds through wage garnishment ... (See Garnish)

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

Credit mix and maxing out: Undoing damage from a heavily used card -- If you have one credit card that's close to maxed out every month, having a mix of other types of credit will help soften any credit score damage ... (See Credit mix)

4 ways to build credit without a credit card -- If you want to start building credit but don't want to get a credit card, there are other options, including passbook or CD loans, credit builder loans and alternative credit scores ... (See Credit without a card)

Do card issuers remember my very old mistakes? -- If you defaulted on credit card debt years ago, so long ago that the debt is off your credit report, what are your chances of getting a new card with the same issuer? ... (See Old debt)

5 things people fail to budget for -- If you're constantly pulling out your credit card because you couldn't stick to your budget, your problem probably isn't willpower. You're overlooking key expenses ... (See Budget fails)

Better off broke: Why some choose poverty over wealth -- Not everyone craves a high-powered job, big house, luxury vacations and stockpiled cash. In fact, some prefer to both earn and spend far below their capability ... (See Broke)

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

Sorry, repaying loan from mom won't help your credit score -- It's good you're paying back the personal loan from your mother. You're a fine son. But that doesn't count to credit bureaus ... (See Credit score)

Industry insider tips: How to make music AND money -- The rise of digital streaming and gadget-centered entertainment has created new opportunities for musicians seeking to build a career out of their craft ... (See Music)

Musician/blogger Doug Ross on music and money management -- For professional musician and blogger Doug Ross, the key to having a successful music career is not artistic integrity -- it's about making a living doing something you love. ... (See Doug Ross)

Entertainment lawyer Neeta Ragoowansi on surviving in music -- Entertainment lawyer Neeta Ragoowansi says many artists overlook burgeoning opportunities to promote their music. ... (See Neeta Ragoowansi)

Mom illegally adds daughter to joint card -- A recently married daughter finds out her mom used her name to open a joint account without her permission or knowledge ... (See ID theft)

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

4 free, underused card perks -- Free upgrades, refunds, companion tickets and museum admissions are just some of the card perks you may be missing out on ... (See Credit card perks)

Can a minor be sued for using an adult's credit card? -- When a young person is given an adult's card to make purchases, but then the adult cries foul and threatens to sue, is the child liable for the charges? ... (See Minor)

Q&A with 'What to Do When I Get Stupid' author Lewis Mandell -- Our cognitive ability related to credit cards and borrowing peaks around age 53. In his new book, "What to Do When I Get Stupid," behavioral economist Lewis Mandell explains how we can protect ourselves from hucksters -- and ourselves -- in our dotage ... (See Retirement)

Is it OK to close a card before I buy a condo? -- Closing a high-fee card can be a smart thing to do, but not when lenders are considering you for a home loan. Any credit score hit may cost you ... (See Credit score)

You can now #buy through social media -- but do you really want to? -- In-stream purchasing lets you buy products through social media by posting a simple hashtag or set of words. It's quick, convenient -- and potentially dangerous ... (See Social media)

Pre-screened offers don't guarantee card approval -- All those enticing zero percent card offers that come in the mail don't mean that you'll be approved for them, and can even hurt your credit score ... (See Offers)

9 debt myths debunked -- Did you hear the one about how making even a small payment will stop debt collectors in their tracks? If you believe that, you need some myth-debunking ... (See 9 debt myths)

Steps to protect finances of those with Alzheimer's -- If a loved one is having trouble remembering to pay the credit card bill or spending money recklessly as a result of Alzheimer's disease, there are steps you can take to protect his or her credit and financial security ... (See Alzheimer's and finances)

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

Don't let a rental scam spoil your vacation -- Rental scams are becoming increasingly common. Recognizing the warning signs is essential to prevent a scam from ruining your next vacation. ... (See Vacation rental scams)

Can you negotiate medical debt with collectors? -- Yes, you can negotiate over delinquent medical bills with a collection agency, but paying less than what is owed has consequences ... (See Medical debt)

Will making minimum payments damage my credit score? -- Consistently making minimum monthly payments on a high balance is a dangerous habit that can damage your credit score if your financial situation worsens ... (See Minimum)

Rebuilding your credit as an authorized user -- Becoming an authorized user on a spouse's credit card can help you rebuild your credit but you need to understand your responsibilities and be committed to using the card wisely ... (See Rebuilding)

Is sharing your credit card ever OK? -- Have you ever lent your credit card to a relative or friend to make a purchase on your behalf? Most times, these actions are harmless, but sometimes they can backfire ... (See Sharing credit cards)

Student loan repayment troubles? Don't delay -- If a student loan ends up in default, your options for repayment become limited, and get worse after wage garnishment ... (See Student loans)

My 88-year-old mother lives on cash advances -- A mother who has been supplementing Social Security by taking credit card cash advances needs a financial intervention -- and a budget ... (See $40,000 debt)

Broke at Big U? Short-term college loans may help -- Many colleges offer loans up to $1,000 at little or no interest. For students short on cash while they wait for financial aid, the loans can be a life saver ... (See College cash)

Is a card account open if it isn't activated? -- If you apply for a card, get it in the mail and then choose not to activate it, does the account still get listed on your credit report? ... (See Unactivated card)

Your map through Chapter 7 and 13 bankruptcy -- If you've decided that bankruptcy might be the solution for you, you need to be prepared for the stops along the way for Chapter 7 and Chapter 13 bankruptcies ... (See Bankruptcy map)

What’s the best rewards card for parents with kids in school? -- If you have kids away at college you'll need a rewards card that can help pay for travel -- and everyday expenses. Several fit that bill, but you may have to pay an annual fee ... (See Parents)

Building good credit doesn't happen quickly -- Paying on time for a few months will not drastically change a credit score, especially if you've lapsed in the past. But with patience and time, your score will rise ... (See Good credit)

Many pay an unexpected price for deferred-interest deals -- About 1 in 5 people who sign up for deferred interest deals on big-ticket items actually wind up owing finance charges ... (See Deferred interest trap)

Deferred-interest, 0-percent financing 'deals' costly for many -- About 1 in 5 people who sign up for 0-percent, deferred interest deals wind up owing accumulated finance charges ... (See Deferred interest)

I'm buried in debt. Can I just stop making payments? -- If you're swamped with credit card debt, it may be tempting to stop making payments and hope the problem goes away. Sorry. It won't ... (See Stop paying)

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

How to pick a socially responsible credit card -- Consumers who value sustainability have two major credit card options: Affinity cards that donate to charities, and cards issued by financial institutions devoted to the concept of 'the triple bottom line' ... (See Donate)

How 'authorized user' status can help build US credit -- New to the U.S.? There are several ways to start building a good credit history, most notably by becoming an authorized user on another's credit card ... (See Authorized user)

Certegy fined $3.5 million for violating Fair Credit Reporting Act -- The FTC has accused credit reporting agency Certegy of maintaining and reporting inaccurate information about thousands of check-paying customers, resulting in a $3.5 million fine. ... (See Certegy)

Can a car dealer garnish my wages after selling me a lemon? -- Every car owner's nightmare is to get stuck with a trouble-prone vehicle. Can a dealer garnish your wages if you can't afford to pay off the loan on a useless auto? ... (See Garnish)

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

Credit score impact of settling past-due accounts -- When you have numerous credit accounts that are seriously past due, is the best solution to settle the accounts or try to pay them in full? ... (See Settle or pay in full?)

How to dispute unauthorized credit report inquiries -- If a negative item on your credit report isn't true, you dispute it. But did you know the same goes for credit report inquiries you don’t recognize or didn’t approve? ... (See Credit inquiries)

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

Pay off card charges before bill arrives -- If you budgeted for an item you put on plastic, pay it off right away instead of waiting for the bill to arrive. That way, you'll reduce any interest adding to the balance ... (See Interest charges)

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

Using money to self-medicate? -- Fallen into the emotional money trap? Recognizing the feelings behind impulsive spending can help reduce excessive consumption ... (See Curb the splurge)

Stroke, spending spree leaves family with debt emergency -- After his wife suffered a stroke, she racked up card debt. He may be able to argue diminished capacity to have it dismissed, but should be prepared to pay up ... (See Health debt)

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

When being an authorized user is useless -- Her brother added her to his card to boost her credit, but the issuer doesn't report card activity for authorized users. What are her options? ... (See Authorized user)

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

How 'mindfulness' can curb impulse spending -- By pausing to reflect, you can take a step back and make choices about what you're going to buy based on reason, rather than impulse ... (See Mindfulness)

If your company fails, your credit card rate can rise -- Your business is shuttered and you're left with credit card debt. Now the issuer is hiking your interest rate. Is it really allowed to do that? Most likely, yes. Here's what you can do ... (See Business card rate hike)

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

Daughter racks up debt on deceased dad's card -- Not knowing she was just an authorized user, a daughter continued to use her dad's card after he died. Now the issuer closed the card and wants quick repayment ... (See Authorized user)

How to protect a foster child from ID theft -- Foster kids are even more at risk for identity theft than the general population. Help protect yourself or a young person you know by following these tips ... (See Tips)

Have I fallen prey to identity theft? -- It's relatively easy to find out if you've fallen victim to identity theft, given the availability of credit reports and online billing statements. Clearing up an identity theft issue, however, is more difficult and may require contacting local authorities or placing a freeze on your credit report. ... (See Fraud)

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

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

Summer vacation mistakes that can cost you -- Daydreaming about a lazy day at the beach? Just make sure you don't make a vacation planning mistake that could set your finances back for months to come ... (See Vacation mistakes)

How credit scores impact some student loan approvals -- Planning to apply for student loans? You might want to check your credit. If you’re applying for PLUS loans or private student loans, your credit history counts ... (See Student loans and credit)

Don't blow your inheritance -- A large inheritance can create the temptation to spend and lend on a large scale. How do you balance your wants and needs (and those of others close to you) while keeping your newly obtained wealth intact? ... (See Inheritance)

Husband won't stop charging on joint card -- Sharing a joint credit card can be hard if one spouse uses the card too often and can't pay off the balance. Do they kill the card or get will that make things worse? ... (See Joint credit)

Rules of the road for improving your credit mix -- Having greater diversity in the types of credit you use can nudge your credit score up -- as long as you make your payments on time ... (See Credit mix)

The path to a lower interest rate -- Most banks and credit unions tie their credit cards' interest rates to the prime rate, but knowing the prime rate alone won't lead to lowering yours ... (See Your rate)

Tattoo debt: Body art can create red ink -- Tattoos can come with surprising costs, both on the front and the back end. The best artists aren't cheap, and the worst can produce pricey mistakes ... (See Tattoo debt)

What to look for in an emergency credit card -- Unless you have huge sums of cash, have an emergency card handy -- one that won't cause extra problems if you actually use it ... (See Emergency card)

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

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

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

Money experts give advice to their younger selves -- We asked financial professionals to imagine they could go back in time and pass on to their younger selves the wisdom about money they've gained ... (See Advice)

Found your lost purse? Good, but don't use those canceled cards -- If that lost purse or wallet turns up and you've already reported the cards missing, it's too late. Wait for the new ones, and next time, don't carry so many ... (See Lost purse)

Getting your deposit back when a company goes bankrupt -- Your catering company has gone belly-up just before your wedding, taking your deposit with it. All's not lost, if you used a credit card, but beware -- those refunds can be time-consuming and tricky to reclaim ... (See Post-bankruptcy deposit refunds)

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

How employee salary advances work -- Occasional emergency bridge loans from an employer can be OK, but regular pay advances are fraught with perils that can spill into the workplace ... (See Salary advances)

Help! My husband's ruining my credit -- They opened a joint credit card together and then her husband went "crazy" charging things they couldn't afford. To make matters worse, he stopped paying the bill ... (See Joint credit)

Didn't make that donation to charity? Watch out for fraud -- If you see a small donation to a charity on your credit card but don't remember making the gift, you may be a victim of fraud. Small transactions like these are often tests to see if a stolen card number is working ... (See Charity donation scam)

Q&A with 'Bootstrapper' author Mardi Jo Link -- Her book chronicles how she mended a broken heart and literally saved her Northern Michigan farm with alcohol, Buddhism and hard-won financial acumen ... (See Bootstrapper)

What to know before jumping into a rent-to-own lease -- It's both a lease to rent a home and a deal to buy it, rolled into a single document, so it has more moving parts and quirks than either document individually. In other words, study up and get expert help ... (See Rent-to-own)

Oops! I bought something with my 0-percent balance transfer card -- If you transferred a balance to a 0-percent card and then bought something with it, you'll need to do some fancy minimum payment math to avoid interest charges ... (See Oops)

4 signs your teen isn't ready for credit cards -- Getting your teen behind the wheel of a car was scary enough, so do you think your kid is ready to handle the responsibility of a credit card? ... (See Teens and credit)

Is daughter liable for shared card debt with mom? -- Mom tried to boost her daughter's credit by putting her on several credit cards, but then Mom passed away. Who has to pay the balances? ... (See Shared credit)

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

CFPB steps in to save service members money -- More than 50,000 active-duty service members who participated in a big bank's specialty auto loan program are due a refund ... (See Military auto loan refund)

Where to look for credit, funding for minority-owned business -- For a young, African-American entrepreneur looking to start a small business, credit can be tight -- especially if you're still paying off student loans. Here's where to look for advice, and money ... (See Minority business)

Why not leave country and bail on student loans? -- Sure, you can leave your debts behind -- and your family and friends, too. But there are repayment options that can help ease your burden. ... (See Student loans)

Servicemembers Act helps, but soldier, straighten up your debt -- The Servicemembers Act limits rates for loans to active-duty military personnel, but controlling debt should be a soldier's first financial duty ... (See Servicemembers Act)

How canceled cards impact credit scores -- When a card is canceled, the only way it can hurt your credit score is by reducing your credit utilization ratio -- or if you behaved badly with it ... (See Canceled card)

Jaron Lanier Q&A: Consumers, take back your data -- The computer visionary and influential thinker sees individual and widespread economic risk in turning details of our lives into commodities ... (See Jaron Lanier Q&A)

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

Should you take on credit card debt to pay for a new employee? -- A new boutique owner is considering hiring a part-time salesperson so she can devote more time to marketing efforts. But to do so, she'd need to charge expenses such as inventory on a credit card. Is it worth it? ... (See Hiring)

Using plastic to pay off student loans: A bad idea -- Using one or more credit cards to get out from under the burden of student loan payments can seem tempting, but it's a step in the wrong direction ... (See Student loans)

Are your finances ready for a 'babymoon'? -- Need a little alone time before that bundle of joy arrives? Time to start planning your "babymoon" -- just make sure you don't add to your stress by spending too much ... (See Babymoon planning)

DOMA ruling cuts both ways financially -- The Supreme Court's ruling may spur same-sex couples toward marriage, but the financial consequences of such unions aren't all favorable ... (See DOMA and dollars)

6-step credit-building plan for a struggling single mom -- A low-income, young single mom with school and another baby coming wants to handle credit wisely, but she'd better have a plan to avoid debt ... (See New credit)

Looking for Mr. FICO: Singles using credit score to filter dates -- Your astrological sign? Pah. A growing number of today's singles employ a FICO filter, using credit scores to judge whether a date is responsible ... (See Creditworthy dating)

5 bankruptcy myths busted -- Only deadbeats, cheats and crooks file for bankruptcy, right? Nothing could be further from the truth, say the folks who deal with bankruptcy day to day ... (See Bankruptcy myths)

Pet wellness plans touted to spread out vet costs -- Some snarl, others purr at the idea of evening out pet care spending; evaluate all the costs and what's covered before signing up ... (See Pet wellness plans)

How to spend money to buy happiness -- "Happy Money: The Science of Smarter Spending" co-author Michael Norton says you can buy happiness if you know what to buy ... (See Happy Money)

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

First credit card tips and advice -- An 18-year-old wants to know just how a credit card works and how it should be used before she applies for one ... (See First credit card)

5 top excuses (and 5 top fixes) for paying bills late -- Excuses abound for paying bills late, but none do you any good. We identify the top five -- and a way to overcome each one ... (See Bill paying moves )

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

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

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

Foreign exchange students can build a US credit score -- A 20-year-old Chinese student living in the U.S. wants to build an American credit score, and she can: Scores aren't just for U.S. citizens ... (See Foreign student scores)

How to teach your son about money -- While financial literacy for women and girls has gotten a lot of attention in recent years, boys have their own issues. Here are some tips for teaching your son about credit and finance ... (See Money lessons)

6 money experts share dad's best credit advice -- Dads often give advice on more than just proper tire pressure. Their words and deeds lay out a financial path for their children, and these six experts share theirs ... (See Dads' advice)

Old debt, new collector: Negotiate? Ignore? Or pay up? -- When an old debt resurfaces as you're trying to make a credit comeback, getting it listed as paid in full does the most benefit to your credit, but the most harm to your cash flow ... (See Old debt, new collector)

Options for card approval without a credit history -- At 21, he was turned down for a secured card. His grandfather offers to co-sign on a card with him, but will that be his best choice? ... (See Young credit)

U.S. rolling out chip card technology, ever so slowly -- Rely on your American magnetic-stripe cards for international travel and you could run into problems. Many other countries now use on more secure chip technology. But the U.S. is moving in that direction ... (See EMV card update)

Beware: Risk of data breaches rises when you travel -- The odds your card's data will be taken rise when you're on holiday for an obvious reason: You like to hang out at the same places the cyberthieves do ... (See Data breaches)

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

Divorcing? Your kids don't need a money martyr -- Sally sharply arches her eyebrow at a one-sided divorce settlement that gives him the house, her the debt -- and a self-imposed college fund obligation on top of it all ... (See Divorce and debt)

Nontraditional borrowing alternatives to online P2P loans -- Peer-to-peer lending works for people with solid credit, but if you have a history of late payments, there are other creative alternatives to credit card loans ... (See Creative, nontraditional loan choices)

Congress considers relief for credit damage from medical bills -- Debt caused by medical bills is special and should wait 120 days before it's reported late on credit reports, according to legislation introduced in Congress ... (See Medical debt)

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

6 ways to protect your credit after a natural disaster -- While your first priority after experiencing a life-altering tragedy may be to rebuild, ignoring your debts can hamper your recovery ... (See Disaster)

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

Same-sex marriage means gay couples get joint custody of debt -- As more states allow same-sex marriage, gay couples discover they must take on one of matrimony's biggest legal burdens: a partner's debt ... (See Same-sex marriage)

How card companies report credit utilization to bureaus -- Card issuers vary in how they report card use, which can affect your credit score. Usually, it's no big deal, but it becomes one when you want new credit` ... (See Credit use)

Should I give more employees company cards? -- In a small business, handing out credit cards to everyone can create headaches. You'll typically share responsibility for the account with the business. But there are times when giving out more cards can make everyone's lives easier ... (See Employee cards)

Q&A with author Frank Ahearn on the art of disappearing -- This skip-tracer turned skip-maker charges $42,000 minimum to help people disappear. He doesn't take credit cards. In fact, his first move will be to destroy yours ... (See Frank Ahearn)

Keeping your credit score high in retirement -- As retirement approaches, it's time to review your collection of credit cards to make sure they're still working for you, and to keep debt low ... (See Credit score in retirement)

Credit-building tips for new US citizen -- He opened a U.S. card with a passport and business account. Now that he's moved here and has an SSN, he wants to know how to build a good credit score ... (See Credit tips)

Should you charge that new pet? -- Pet regret? If you put that new furry friend on plastic, you may be able to get a refund, but it all depends on exactly where you bought it and what went wrong ... (See Pets)

Co-signer, joint account holder, guarantor: Know the difference -- Thinking about sharing a card account with someone? Take heed. Your liability for the debt could vary greatly depending upon the type of account you choose ... (See Shared accounts)

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

Student loan co-signer on the hook for delinquency -- A wife co-signed her husband's student loans, which he defaulted on when he lost his job. Should she pay off the balance or not? ... (See Student loan)

How to pick a bankruptcy attorney -- That’s it, you’re done. After struggling to pay your debts, you’re ready to consider bankruptcy. It’s time to contact a lawyer to represent you, but which one? ... (See Bankruptcy attorney)

Proposed rule could help kids replace stolen Social Security numbers -- The Social Security Administration is considering easing the process for replacing stolen SSNs for children 13 and younger, who are increasingly targeted by identity thieves ... (See New SSNs for kids)

Two balance transfers means payment dilemma -- The federal CARD Act of 2009 created rules about how payments should be allocated when there are multiple rates, but not for multiple balances ... (See Payment allocation)

How can a new, unactivated card cause a credit score drop? -- Even though a card has not yet been activated, the hard inquiry from applying for the card impacts your credit score. ... (See Credit score)

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

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

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

California blasts Chase for robo-signing -- California's attorney general accused Chase Bank of using false documents in court cases to collect credit card debts ... (See Chase robo-signing suit)

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

How to ask for a credit limit increase -- Credit card issuers determine your limit based on what they think you can repay. If you want to raise your limit it helps to have your argument nailed down before you ask ... (See Credit limit increase)

7 tips for saving time, money when shopping online -- As online shopping has evolved, so have the ways in which you can use the tool wisely. These seven tips will keep time on the clock and money in your wallet ... (See 7 online shopping tips)

Will paying off a bad loan early boost credit score? -- If you can afford to pay off a high-cost loan, do it. Don't stick with a bad loan in the false belief that it will help build your credit score ... (See Car loan)

10 ways to get more from your credit card through social media -- Social media channels such as Twitter, Facebook and YouTube can help you resolve problems, find perks and maximize the benefits you get from your credit cards ... (See Cards and social media )

5 reasons budgets fail - and what to do about them -- Budgets can be a valuable tool to control spending, but many fail. Be wary of these five budget-bursting culprits, and learn how to prevent yours from flopping ... (See Why budgets fail)

Scared of Big Brother? Too late, says 'Big Data' co-author -- As more companies tap into the huge amounts of data to measure consumer behavior, "Big Data" co-author Viktor Mayer-Schonberger says it's not really a bad thing ... (See Big Data)

Help! My sneaky sis used my credit card, damaged my credit -- When family is involved in fraudulent card use, the choice is tough: Silently suffer the credit consequences or rat out a relative ... (See Fraud)

CFPB changes stay-at-home spouse rule -- The federal government's consumer agency has finalized a rule change to make it easier for nonworking, stay-at-home spouses to get their own credit cards ... (See Stay-at-home spouses)

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

Rebuilding credit to run your new business -- If your personal credit is in the basement and you want to start up a business, getting a business card will be tough -- but not impossible. Here's how ... (See Rebuild credit)

Card add-on products stage a comeback -- Add-on services like payment protection are expected to rebound from regulators' smackdown ... (See Card add-ons)

Withdrawing vs. borrowing from 401(k) to pay credit card debt -- When downsizing or job loss makes credit card debt unbearable, the 401(k) money looks tempting. But whether you take it or borrow against it, know the consequences ... (See 401(k))

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

6 crucial credit questions you should know answers to -- Not keeping current on the state of your finances can have dire consequences. Here are six money questions everyone should know the answers to ... (See 6 credit questions)

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

Chapter 13 bankruptcy: How it works -- Unlike Chapter 7 liquidation plans, Chapter 13s give filers a chance to pay off debts over three to five years -- but they rarely turn out as planned ... (See Chapter 13 bankruptcy)

Getting your family to eat generic grocery store brands -- When your family already likes the taste of a name brand, switching to a generic store brand isn't easy. But with some sleuthing, you can improve your odds ... (See Store brands)

Late fees inflate balance of forgotten card -- She opened a card, charged $100 and then Hurricane Sandy hit and she forgot all about it. Now it's in a collector's hands and the balance is $300 ... (See Card default)

Robo-signed collection cases under fire -- Practices that let debt buyers win collection judgments with just hurriedly signed affidavits appear headed for a major overhaul ... (See Robo-signed debt collection)

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

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

Student with no job denied credit -- With student loans as her only income source, it's no surprise that a medical student is turned down for a higher-limit Amazon card ... (See No job, no plastic)

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

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

6 wedding expenses you should put on your credit card -- Wedding-related mishaps can turn any mild-mannered bride into a bridezilla, but sometimes your credit card can come to the rescue ... (See Wedding)

How long does old debt stay on credit reports? -- If a debt is reported as being charged off and passes the state statute of limitations, when does it drop off your credit report? ... (See Old debt)

When can an issuer cancel your credit card account? -- Credit card companies can cancel your account for any number of reasons, even if you're paying on time -- and they don't have to warn you about it. Here's what you can do ... (See Closed card)

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

9 tips for traveling with credit cards -- There's more to smooth travel than just keeping your cards working. Here are 10 tips to make your travels with plastic cheaper, easier and more enjoyable ... (See Traveling with credit)

Vacay layaway: Pay now, enjoy later plans spread to vacations -- Cruises, airlines and travel agencies turn to layaway financing options so dreams of faraway places can come true, debt-free ... (See Vaction layaway)

Starting an 18-year-old on the road to credit -- His parents sank into debt after marriage, but learned from their mistakes. How do they stop their 18-year-old son from repeating history? ... (See Young credit)

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

Damaged credit: Can you sue? -- While holding others accountable for inaccurate and costly credit hits is a recent legal phenomenon, courts are recognizing that good credit is a valuable asset ... (See Suing for damaged credit)

Cash-now promise of lawsuit loans under fire -- Lawsuit loans -- cash advances given to lawsuit filers before a case is settled -- are the latest fast-growing, high-fee lending industry to draw controversy and attempts at regulation ... (See Lawsuit loans)

How to clear a judgment from your records -- She repaid the collector after a judgment was placed against her, but the judgment remains after the collector folded. How does she clear the record? ... (See Judgments)

How to check whether your parents left you an inheritance -- Emotions, time and distance can cloud memories, so if you think you may be missing out on an inheritance, go for the records ... (See Inheritance)

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

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

Will credit score suffer with new card cancellation? -- Just how much will your credit score be impacted if you open a new credit card, pay it off right away, and then cancel it? ... (See Cancel a card)

Who pays your expenses if your company goes bankrupt? -- Technically, you could be on the hook for unpaid expenses you charged if the company goes belly up, but in practice, employees are pretty safe ... (See Company expenses)

How old debts can lead to seized assets -- Just because you think a debt is beyond the statute of limitations doesn't mean you can ignore a court summons or bill collector lawsuits ... (See Old debts)

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

Medical credit cards: Treatment today, payment headaches tomorrow -- Some say they're a savior in a medical crisis, while consumer advocates decry their high interest rates and few protections ... (See Medical cards)

5 tips when comparing health-care credit cards -- Facing a medical bill you can't afford all at once? Before you consider applying for a medical credit card, know what you're getting into ... (See Medical cards)

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

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

Debt vs. savings: Who gets paid first? -- When facing student loans and other debts, saving for emergencies may seem counterproductive. But without a cushion, you're more likely to face financial peril ... (See Debt vs. savings)

Funding dreams on credit: Film financing -- Kenny Golde maxed out multiple credit cards and took out a business loan to finish a movie that went over budget, for total debt of $220,000 ... (See Film financing)

Funding dreams on credit: Bike champ -- Gene Hamilton charged as much as $10,000 every year during mountain bike racing season for gas, hotels and airfare and spent the rest of the year paying it off ... (See Bike champ)

Funding dreams on credit: Vintage arcades -- Michelle and Michael Ware maxed out their card at $25,000 to start their vintage arcade game business, only paying the minimum due until things took off ... (See Vintage arcades)

Funding dreams on credit: Travel junkie -- Jeremy Jones strategically opened travel rewards cards to get promotional bonus deals to fund his goal of traveling around the world ... (See Jeremy Jones)

5 who funded their dreams on credit -- Do you have a big aspiration, but a small bank account? Check out how these five people went into debt to fulfill their fantasies, and the lessons they learned ... (See Funding dreams)

Funding dreams on credit: Fragrance creation -- Geir Ness created his own fragrance line by charging $12,000 on his credit cards to work with a perfumer and manufacture the first 1,000 bottles ... (See Geir Ness)

Emancipated minors may get freedom, but don't count on credit -- Emancipation is a rare legal course followed by youthful celebrities and a few regular youths. You gain independence, but not credit ... (See Minors and credit)

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

Hackers up the ante for small-business data security -- It’s getting trickier for small-business owners to keep customers’ credit card information safe. Still, there are steps you can take. They're not free, but can save you money in the long run ... (See Avoid breaches)

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

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

Asking for a lower interest rate, higher limit on your credit card -- Following a brief lapse, a reader has restored her good payment habits and wants a higher credit limit and lower interest rate. Will her wishes be granted? ... (See Issuer requests)

'Pound Foolish' author Helaine Olen takes on personal finance 'gurus' -- In her book, the self-confessed former money dummy skewers the dispensers of personal finance advice for their ill-fitting generic "wisdom" ... (See Helaine Olen)

8 smart financial moves for college seniors, new graduates -- Many soon-to-be college grads are woefully unprepared for the financial challenges ahead. Take these crucial steps before tossing that cap into the air ... (See College finances)

Taken to court for credit card debt? What to expect -- If you have been served a summons to appear in court over unpaid card debt, the legal journey will unfold in six stages. Know what they are ... (See Court judgment)

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

7 things not to say to someone in a financial crisis -- What do you say to someone who confides in you to having severe money woes? Do you chide them for not being more responsible? Or do you change the subject? ... (See What to say)

Disabled son charges card to the max, then gets sued -- He can't work and lives off of $712 a month and maxed out a credit card. Now he's being sued. His mom worries the court will garnish his disability payments ... (See Sued for debt)

Creative financing alternatives for small businesses -- Every small-business owner needs credit at some point. Unfortunately, traditional bank loans can be tough to get. But there are alternative financing solutions that could help when traditional credit isn't an option ... (See Small-business funding)

How to pick the best rewards credit card for your business -- Finding the right business card means finding one that rewards you for what you spend on. But don't forget to count up the card's fees, too ... (See Business rewards)

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

NY Fed: Consumer debt market shows signs of 'healing' -- As 2012 drew to a close, the overall consumer debt market showed signs it is finally on the mend, says research from the New York Fed ... (See Consumer debt )

Making hard budget choices when work hours are cut back -- A 10 percent reduction in hours means a sudden drop in pay and new budgeting choices. They won't be easy, but here's where to start looking ... (See Hour cutback budget)

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

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

Getting business tax information from a closed credit card account -- Banks can close your credit card account for any number of reasons. But you are entitled to get the information you need to file tax returns for your small business ... (See Closed account tax data)

When authorized user status works against you -- A 27-year-old with less-than-stellar credit is only jeopardizing her credit more by adding herself to her mom's card with a really high balance ... (See Authorized user)

Credit limit tricks: Keep a high score while still using your card -- Forget the oft-repeated personal finance axiom about keeping card balances below 30 percent of your credit limit. Just know your monthly credit 'snapshot' date to keep your card balances low and your credit score high ... (See Credit limit)

Tips for setting up a teen's clothing allowance -- With their own allowances, teens make their own choices -- and some will be doozies -- but you'll reduce friction and sneak in a financial lesson or two ... (See Teen allowance)

Compare credit card extended product warranties -- Most credit cards offer to extend manufacturers' warranties, but you'll have to meet a laundry list of requirements to qualify. (Hint: Keep receipts.) ... (See Extended warranties)

Danny Singh talks about early money management skills -- At 11, he took over paying his mom's bills and managing her financial affairs. At 19, he published his second book, this one on fighting foreclosure. Singh dishes on his money lessons ... (See Whiz kid)

10 ways loan co-signers can protect their assets -- Despite warnings from experts, people still co-sign loans for their loved ones. If you must, or already did, at least take these steps to protect yourself ... (See Co-signing protection)

American, US Airways merger could launch credit card battle -- While American Airlines and US Airways struck notes of love and harmony when announcing their merger, the union could set up a battle between two major banks over who can offer credit cards to customers of the world’s largest airline ... (See