Credit card news archive

Credit card news stories and articles archive at CreditCards.com.





Latest credit card news


 All credit card news

View all credit card news stories

Rewards options when you have too many points - CreditCards.com -- 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 - CreditCards.com -- As the mercury rises, research shows we tend to spend a bit more carelessly ... (See How weather affects card spending)

How quickly can my score recover from a late payment? - CreditCards.com -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)


 Bad credit, credit repair

View all bad credit, credit repair stories

How quickly can my score recover from a late payment? - CreditCards.com -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

8 ways to negotiate better credit card fees, interest and debt - CreditCards.com -- 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)


 Balance transfer, debt consolidation

View all balance transfer, debt consolidation stories

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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 credit: Everything you should know before applying - CreditCards.com -- Instant credit is geared to helping you face unexpectedly large bills, but convenience could come at a price. ... (See Instant credit)

8 ways to negotiate better credit card fees, interest and debt - CreditCards.com -- 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)


 Best credit cards

View all best credit cards stories

Best low interest credit cards of 2018 | CreditCards.com -- See what our credit cards experts have to say about the three best low-interest cards. ... (See Best low-interest card)

Best Hotel Credit Cards of 2018 | CreditCards.com -- Our panel of experts weighs in on the best card to rack up hotel rewards points. ... (See Best hotel cards)

Best Airline Credit Cards of 2018 | CreditCards.com -- The Alaska Airlines Visa Signature card, with its generous sign-up bonus and money-saving travel perks, is our top airline card. ... (See Best airline cards)


 Breaking news

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Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

EMV debit card payment prompts create confusion - CreditCards.com -- Customers face multiple payment options when paying with chipped debit cards ... (See EMV debit card confusion)

Financial setbacks common, and we expect to pay for them with credit - CreditCards.com -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)


 Business credit cards

View all business credit cards stories

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

What to do if an employee misuses a corporate card - CreditCards.com -- If you're a business and issuing employees cards, make sure you have the right system in place to avoid inappropriate charges ... (See Employee misusing company card)

Rate survey: Average card APR remains at record high of 16.32 percent - CreditCards.com -- 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)


 Canada

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Credit file alerts Canadian equivalent of U.S. freeze -- Americans can order credit bureaus to "freeze" third parties -- including creditors -- from viewing their credit profile. Canadians don't have such tough credit file protections ... (See File alerts)

A breakdown of contactless payments -- Wondering exactly how contactless payments work? This illustration breaks it down ... (See Contactless breakdown)

How credit card interest works -- You might know what your credit card's interest rate is, but do you know how interest really works? Here's everything you need to know about your card's APR ... (See Interest)


 Cash back cards

View all cash back cards stories

Rewards options when you have too many points - CreditCards.com -- You've saved up hundreds of thousands of credit card reward points. What are your options? ... (See Spending reward points)

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

8 ways to negotiate better credit card fees, interest and debt - CreditCards.com -- 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)


 Cashing In Q&A columns

View all cashing in q&a columns stories

Will I lose elite status if I transfer my airline card's balance? - CreditCards.com -- An airline credit card holder won't lose miles earned toward elite status if the card's balance is transferred to a lower interest credit card. ... (See Keeping elite status with airline card)

Limits on category bonuses - CreditCards.com -- If you're planning on spending a lot on a card in a certain category, make sure you know the limit to what you can earn so you can maximize your rewards ... (See Category bonus limits)

When you should call your bank - CreditCards.com -- If you need certain services done with your card or have questions redeeming your rewards, calling your bank might be best ... (See Calling your bank)


 Credit account management

View all credit account management stories

Rewards options when you have too many points - CreditCards.com -- 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 - CreditCards.com -- 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 - CreditCards.com -- 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)


 Credit Card Help

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Chart: 2017 Retail Store Card Survey data -- If you're looking for a retail card, look no further than our 2017 compilation of data. ... (See Chart: 2016 Retail Store Card Survey data)

8 myths about settling credit card debt -- Before you decide to try debt settlement, make sure you know the difference between common myths -- and the truth ... (See Debt)

Credit Card Help: 9 things you need to know about prepaid cards -- Thinking about picking up a reloadable prepaid card? Here’s what you should know first ... (See Prepaid cards)


 Credit card videos

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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)

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)

Video: Black Friday survival guide -- Black Friday means deep discounts, large crowds, and hectic environments. Use these tips to help you survive the madness. ... (See Black Friday survival guide)


 Credit scores, credit reports

View all credit scores, credit reports stories

How quickly can my score recover from a late payment? - CreditCards.com -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

Can a minor be charged for credit card theft? - CreditCards.com -- 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)


 Emerging payment systems: Prepaid, debit, gift cards

View all emerging payment systems: prepaid, debit, gift cards stories

EMV debit card payment prompts create confusion - CreditCards.com -- Customers face multiple payment options when paying with chipped debit cards ... (See EMV debit card confusion)

Reselling a gift card? This is peak season for scams - CreditCards.com -- If you received gift cards you’re unlikely to use, be careful if you try to sell or cash them online. Other options include gift card exchanges, a new app, Target stores, kiosks and donating card to charity. ... (See How to avoid gift card scams)

Help! I used the company card for personal expenses by mistake - CreditCards.com -- What to do if you use your corporate credit card for a personal expense ... (See Corporate credit card)


 Expert Q&A

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How quickly can my score recover from a late payment? - CreditCards.com -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)

Can a minor be charged for credit card theft? - CreditCards.com -- 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)

Will I lose elite status if I transfer my airline card's balance? - CreditCards.com -- An airline credit card holder won't lose miles earned toward elite status if the card's balance is transferred to a lower interest credit card. ... (See Keeping elite status with airline card)


 Frequent flyer programs, airline rewards

View all frequent flyer programs, airline rewards stories

Rewards options when you have too many points - CreditCards.com -- You've saved up hundreds of thousands of credit card reward points. What are your options? ... (See Spending reward points)

Will I lose elite status if I transfer my airline card's balance? - CreditCards.com -- An airline credit card holder won't lose miles earned toward elite status if the card's balance is transferred to a lower interest credit card. ... (See Keeping elite status with airline card)

8 ways to negotiate better credit card fees, interest and debt - CreditCards.com -- 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)


 Get to the Points

View all get to the points stories

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)

What is the Chase '5/24 rule' and how it works - CreditCards.com -- 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)

Hot, new rewards cards to debut in 2018 - CreditCards.com -- Which rewards cards will be hot in the coming year, and which ones will be on their way out. ... (See Rewards cards 2018)


 Infographics

View all infographics stories

Financial setbacks common, and we expect to pay for them with credit - CreditCards.com -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)

Infographic: Gen X most anxious about retirement - CreditCards.com -- Americans age 37-51 have the least confidence they will have enough money to last their lifetimes ... (See Gen)

Fed payments data: We're using credit cards for smaller purchases - CreditCards.com -- We pull out the credit card more often, and the average dollar amount per credit card transaction is shrinking ... (See Smaller purchases)


 Innovations, features, new products

View all innovations, features, new products stories

EMV debit card payment prompts create confusion - CreditCards.com -- Customers face multiple payment options when paying with chipped debit cards ... (See EMV debit card confusion)

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)

Hot, new rewards cards to debut in 2018 - CreditCards.com -- Which rewards cards will be hot in the coming year, and which ones will be on their way out. ... (See Rewards cards 2018)


 Legal, regulatory, privacy issues

View all legal, regulatory, privacy issues stories

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

Can a minor be charged for credit card theft? - CreditCards.com -- 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 - CreditCards.com -- 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)


 Low interest, zero percent cards

View all low interest, zero percent cards stories

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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 credit: Everything you should know before applying - CreditCards.com -- Instant credit is geared to helping you face unexpectedly large bills, but convenience could come at a price. ... (See Instant credit)

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)


 Opening Credits

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Can a minor be charged for credit card theft? - CreditCards.com -- 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)

Chargeback rules for undelivered purchases - CreditCards.com -- Two federal laws protect consumers from being charged for items that never arrive as promised. ... (See Chargeback rules)

What does annual net income on a card application mean? - CreditCards.com -- Annual net income is how much money you earn a year after taxes and other deductions. ... (See Reporting income on card applications)


 Podcast

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Charged Up! podcast: Stop shopping for one year - CreditCards.com -- 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)

Charged Up! podcast: Running a successful one-person business - CreditCards.com -- 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)

Charged Up! podcast: Making your financial goals stick - CreditCards.com -- 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)


 Products

View all products stories

PenFed launches a new travel card that rewards you for everyday purchases -- In addition to offering up to 4 points per dollar on travel purchases, the new PenFed Pathfinder Rewards American Express card offers a 25,000-point sign-up bonus and a 0-percent intro APR on balance transfers for a limited time. ... (See PenFed)

Navy Federal removes balance transfer APRs for a limited time -- Navy Federal Credit Union has announced a limited-time promotion that lets new and existing cardholders enjoy a 0-percent interest rate on balance transfers for 12 months. ... (See Balance transfer cards)

Citi Double Cash vs. Chase Freedom: Which is best? - CreditCards.com -- The Citi Double Cash and Chase Freedom cards both offer generous cash back on everyday purchases, like gas and groceries. But instead of choosing between the two, you may be better off with both. Read on to see why. ... (See Cash back)


 Rate report

View all rate report stories

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

Rate survey: Average card APR remains at record high of 16.32 percent - CreditCards.com -- 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)

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)


 Reaping Your Rewards

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Rewards options when you have too many points - CreditCards.com -- You've saved up hundreds of thousands of credit card reward points. What are your options? ... (See Spending reward points)

To maximize airline travel points, fly off-peak - CreditCards.com -- 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)

How to earn extra points with Amazon - CreditCards.com -- 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)


 Research, statistics

View all research, statistics stories

Research: Sunny days increase credit card spending - CreditCards.com -- 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 - CreditCards.com -- 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)

Financial setbacks common, and we expect to pay for them with credit - CreditCards.com -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)


 Reward programs

View all reward programs stories

Rewards options when you have too many points - CreditCards.com -- You've saved up hundreds of thousands of credit card reward points. What are your options? ... (See Spending reward points)

Rate survey: Average card APR jumps to all-time high of 16.35 percent - CreditCards.com -- 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)

PenFed launches a new travel card that rewards you for everyday purchases -- In addition to offering up to 4 points per dollar on travel purchases, the new PenFed Pathfinder Rewards American Express card offers a 25,000-point sign-up bonus and a 0-percent intro APR on balance transfers for a limited time. ... (See PenFed)


 Shopping

View all shopping stories

Research: Sunny days increase credit card spending - CreditCards.com -- As the mercury rises, research shows we tend to spend a bit more carelessly ... (See How weather affects card spending)

EMV debit card payment prompts create confusion - CreditCards.com -- Customers face multiple payment options when paying with chipped debit cards ... (See EMV debit card confusion)

Financial setbacks common, and we expect to pay for them with credit - CreditCards.com -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)


 Speaking of Credit

View all speaking of credit stories

How quickly can my score recover from a late payment? - CreditCards.com -- You can recoup some of the points lost on your score due a late payment as soon as you mend the error, but undoing the whole damage takes time, discipline and patience. ... (See Late payment's effect on credit score)

Pay for delete: When it helps credit score, and when it doesn't - CreditCards.com -- 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)

Is bankruptcy discharge a credit scoring factor? - CreditCards.com -- 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)


 Student credit cards, young credit

View all student credit cards, young credit stories

Two 'safe' ways to build credit using cards - CreditCards.com -- 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)

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)

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)


 The Credit Guy

View all the credit guy stories

When is the right time to ask for a credit-limit increase? - CreditCards.com -- 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)

Two 'safe' ways to build credit using cards - CreditCards.com -- 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)

I've been a victim of card fraud but my bank won't help me - CreditCards.com -- 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)


 To Her Credit

View all to her credit stories

Remove authorized users before filing for bankruptcy - CreditCards.com -- 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)

Avoid paying interest during your card's grace period - CreditCards.com -- There are two ways to pay off a balance and one saves you from paying interest. ... (See Grace periods)

Dad used my credit card to go on vacation - CreditCards.com -- 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)


 Your Business Credit

View all your business credit stories

What to do if an employee misuses a corporate card - CreditCards.com -- If you're a business and issuing employees cards, make sure you have the right system in place to avoid inappropriate charges ... (See Employee misusing company card)

Help! I used the company card for personal expenses by mistake - CreditCards.com -- What to do if you use your corporate credit card for a personal expense ... (See Corporate credit card)

How long can a payment processor hold funds from my business? -- If payment processors are holding on to funds to investigate transactions, there are some best practices to make the system smoother ... (See Working with payment processors)