Student credit cards, young credit

Archive of news articles about student credit cards, and how young people can get smart about credit (and how their parents can help them get that way).





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 Student credit cards, young credit

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)

Chart: Historic credit card interest rates -- See key rates data from our weekly survey of card APRs 2010-2017 ... (See Historic credit card rates)

Using credit cards for everything has risks, rewards -- Without the proper controls, you could find yourself with more debt than rewards points ... (See Charging)

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)

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)

Best Student Credit Cards -- Our panel of judges names the Discover it Chrome as the top student card for fall 2016 ... (See Best student credit cards)

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)

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 )

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)

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)

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)

Student credit cards: The definitive guide -- Five lessons for students ready to apply for their first credit card ... (See Student cards)

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 ... (more)

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)

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)

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)

'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)

Best card options when sending your child abroad -- Parents should consider adding a credit card for spending and emergencies ... (See Abroad)

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)

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)

Using inheritance to pay off student loan debt -- It's time to get the kids involved in paying off their share of college debt ... (See Debt)

'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)

Deep card debt jeopardizes hopes to fund children’s college -- Action must be taken to get a handle on $80,000 card debt before more loans get taken out for college-ready daughter ... (See Debt)

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)

Don't let credit card debt delay marriage -- Marriage has financial benefits. Shedding debt can be one ... (See Delay)

Millennials strongly prefer cards -- Except for when they’re directly paying another person, millennials are overwhelmingly choosing a debit or credit card ... (See Millennials)

Students steered toward high-fee bank accounts, CFPB warns -- Banks, colleges team up against unsophisticated kids ... (See CFPB)

Rate survey: Average card APR rises to 15.20 percent -- Dec. 14, 2016: The average APR on new card offers inched higher Wednesday after Capital One increased the APR on one of its cash back credit cards, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Card APRs)

Small credit line? Pay early to boost your score -- Knocking down the balance quickly keeps your credit utilization low ... (See Early)

Average card APR remains at 15.18 percent for eighth week -- Nov. 30, 2016: The average APR on new card offers didn’t budge Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Deep in debt after college: Where to start? -- With multiple debts in default, but better job prospects, it's time to get a plan ... (See Debt)

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)

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)

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)

Video: The psychology of bill avoidance -- Take small steps to deal with that which you dread, a professor says ... (See Bills)

Infographic: What's most financially important when -- A new survey shows that for 3 in 10 millennials, putting money into savings is their top financial concern ... (See Millennial savings)

Video: How EMV chips are made -- A look behind the scenes at an ultra-secure credit card factory where small but complex smart card chips are made. ... (See EMV cards)

4 warning signs your college student is racking up card debt -- If your child is already in debt, or uncomfortable talking about finances, that's a yellow flag ... (See Warning signs)

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)

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)

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)

Half of college students aren’t checking their credit reports -- Many Americans 18-24 are wielding credit cards responsibly, but there’s a need for more credit education, a new Equifax study and money experts say. ... (See Students not checking credit reports)

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)

Best student credit cards: Fall 2016 -- Our panel of judges names the Discover it Chrome as the top student card for fall 2016 ... (more)

4 wrong money messages for kids (and 4 right ones) -- Parents unknowingly teach their kids unhealthy money habits, but they're fixable ... (See Kids)

Back-to-school credit guide 2016 -- CreditCards.com resources for shopping, learning about credit and managing debt during the back to school season. ... (See Guide)

Survey: 1 in 3 young women don’t know current card balances -- Credit card, student loan debt overwhelming millennials on tight budgets ... (See Millennials)

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

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 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)

VantageScore turns 10: What it is, why it matters -- VantageScore, launched as a more consumer-friendly alternative to the dominant FICO credit score, has slowly gained acceptance ... (See VantageScore)

Mastering the side hustle to beat down debt -- Millennials struggling with student debt can take on extra work to get out of the red, blogger turned author David Carlson says. It worked for him. ... (See Q&A)

How to choose a P2P payment service -- Here are the features to be aware of when choosing an app for paying friends ... (See P2P)

Debt-fighting expats find success abroad -- A rising number of Americans are moving abroad not to dodge debt, but to deal with it. They trim cost of living and save ... (See Saving abroad)

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)

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)

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)

Selling your home to pay off debt, fund college -- Shedding debt is good, but college costs add up fast and another home won't be cheap ... (See Home)

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)

With high credit score, adding new travel card not a problem -- With responsible use, adding another card to your arsenal has advantages ... (See Reward)

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)

Infographic: Millennial money perspectives -- Millennials want to avoid debt and they attribute debt with credit cards according to a new study ... (See Graphic: millennials)

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)

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)

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)

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

US report: Colleges not disclosing card contracts -- A new report finds that many colleges are not disclosing their ties with credit card companies as required ... (See Campus cards)

Average card rates remain at 14.96 percent for third week -- Dec. 2, 2015: Average rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Weekly rate report, Dec. 2, 2015)

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)

Average card rates sit tight at 14.96 percent: Weekly Credit Card Rate Report -- Nov. 25, 2015: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly rate report, Nov. 25, 2015)

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

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

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)

Survey: Average card APR sits tight at 15% for 13th week -- Sept. 16, 2015: Interest rates on new credit card offers still aren’t moving, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Survey: Card rates stuck at 15 percent for a record 12th week -- Sept. 9, 2015: For a record 12th week, interest rates on new credit card offers remained stuck in place, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Debt can be voided if signer was a minor -- Unpaid medical bills can generally be disputed if incurred before the age of 18 ... (See Minors)

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)

Survey: Average card rates remain fixed at 15 percent -- Sept. 2, 2015: Average rates on new credit card offers remained unchanged again this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Survey: Average card APR remains at 15 percent for 10th week -- Aug. 26, 2015: Interest rates on new credit card offers remained unchanged again this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

Yes, raid kid's college fund to pay $30,000 card debt -- College funds are good and important, but if they jeopardize a family's financial health, hard decisions have to be made ... (See Raid college fund)

Survey: Average card rates stay at 15 percent for 8th week -- Aug. 12, 2015: Average credit card interest rates remained at 15 percent Wednesday for the 8th consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Rate survey: Average APR lodged at 15 percent for 6th straight week -- July 29, 2015: Interest rates on new credit card offers were left unchanged again this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Rate survey: Average card rate remains stuck at 15 percent -- July 22, 2015: Interest rates on new credit card offers stayed in place again this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Rate survey: Average card rate remains at 15 percent -- July 15, 2015: Interest rates on new credit card offers remained unchanged again this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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)

Report ID theft, even if the card was never used -- If a card card account was fraudulently opened but not used, it's still a crime, just as someone who broke into your house but didn't manage to steal anything is still a crook ... (See Theft)

Rate survey: Average card rates hold steady at 15 percent -- July 1, 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)

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)

Cross-device tracking raises privacy concerns -- With cross-device tracking, marketers are looking to connect your smartphone, tablet and computer Internet behavior ... (See Cross-device tracking)

Rate survey: Average card APR rises to 15 percent -- June 24, 2015: Average APR on new card offers inched up this week for the first time in over a month, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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

Credit counselors turn to student debt -- Agencies that help people erase card debt are retooling, but not everyone thinks they have the solution to student loan woes ... (See Student debt)

Average card rates remain stuck at 14.99 percent -- June 10, 2015: The national average APR for new credit card offers remained locked in place Wednesday for the fourth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Your daughter ran up the debt, she should pay it -- As a student with no income, your daughter shouldn't have been issued a card. But she did, and she used it, so she should deal with it ... (See Pay debt)

Rate survey: Average card rates don’t budge -- June 3, 2015: Average rates on new credit card offers remained unchanged Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates remain unchanged at 14.99 percent -- May 27, 2015: Average rates on new card offers lingered at 14.99 percent Wednesday after increasing the previous week to their highest point in more than 6 months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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

Rates jump to 14.99 percent: CreditCards.com Weekly Credit Card Rate Report -- May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates jump to 14.99%)

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)

US proposes anti-steering rules on campus cards -- A proposed federal rule restricts marketing and fees on campus-affiliated cards that are lucrative for the schools but not the best choice for students ... (See Campus cards)

Credit card interest rates stalled at 14.92 percent -- May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card interest rates sit tight at 14.92 percent -- May 6, 2015: Interest rates on new card offers remain locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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)

Average card APR increases to 14.92 percent -- April 22, 2015: Average rate on new card offers increased this week to the highest point this year, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates stay put at 14.9 percent -- April 15, 2015: Average rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

How debt management plans affect your credit -- If severely in debt and behind on payments, your credit score is already hurting. Entering into a debt management plan can only help by showing timely payments ... (See DMP)

Card interest rates remain at 14.9 percent for third week -- April 8, 2015: The average APR on new card offers remained at 14.9 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Canceled cards boost debt utilization ratio -- When you cut several cards from your wallet, you can reduce a big credit score hit by increasing the credit limits on your remaining cards ... (See Credit limits)

How to check your child's credit report -- 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)

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)

Average APR on new card offers holds steady at 14.9 percent -- April 1, 2015: The national average APR on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Average credit card interest rate increases to 14.9 percent -- March 25, 2015: Average rates on new credit card offers inched up this week for the first time in nearly five months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

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)

Credit card interest rates hold steady at 14.87 percent -- March 18, 2015: Average rates on new credit card offers held firm Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

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)

Credit card interest rates hold at 14.87% for third week -- March 11, 2015: The national average APR for new card offers remained unchanged Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates stay at 14.87 percent -- March 4, 2015: Average rates on new card offers held steady Wednesday at 14.87 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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)

Credit card interest rates stay at 14.89 percent for 7th straight week -- Feb. 18, 2015: Average rates on new credit card offers stayed put again this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

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)

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)

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)

Credit card interest rates stay at 14.89 percent for fifth week -- Feb. 4, 2015: Interest rates on new credit card offers held steady Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Help! I opened cards fraudulently, ran up big card debt -- At just 17, a young man fraudulently opens multiple card accounts without his parents' consent and says he's severely in debt. What are his options? ... (See Card debt)

Average card APR remains stuck at 14.89 percent -- Jan. 28, 2015: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

Credit card interest rates remain at 14.89 percent for third week -- Jan. 21, 2015: Interest rates on new credit card offers remained at 14.89 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates hold steady at 14.89 percent -- Jan. 14, 2015: Average rates on new credit card offers remain unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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 interest rates slide to 14.89 percent -- Jan. 7, 2015: Average rates on new credit card offers fell Wednesday for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates fall to 14.91 percent -- Dec. 31, 2014: Average rates on new credit card offers edged lower this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

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)

Jobless grad with student loans, $29,000 card debt ponders bankruptcy -- A recent graduate not only has student loan payments, but card debt of almost $30,000 -- and no job. Is bankruptcy her only answer? ... (See Bankruptcy)

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)

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)

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)

Video: 4 young adult money mistakes to avoid -- We all make mistakes in our 20s. But when it comes to your money and your credit, you can end up paying for those mistakes well into your 30s -- and beyond. Avoid these four common errors of youth ... (See 4 money mistakes)

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)

Credit card interest rates hold steady at 14.98 percent -- Nov. 26, 2014: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates fall to 14.98 percent -- Nov. 19, 2014: Average rates on new card offers fell below 15 percent Wednesday for the first time in more than a year, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Ex didn't pay up, so your student loan defaulted? Go after him -- The court said he had to pay half of his ex-wife's student loan, but he shirked, and she isn't making enough, so now the loan's in default ... (See Default)

Credit card interest rates slide to 15 percent -- Nov. 12, 2014: Average rates on new card offers declined this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report Nov. 12, 2014)

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)

Student debt on the rise for the elderly -- A small but growing number of elderly Americans are paying back student loans well into retirement, many of them struggling to keep on top of payments while on a fixed income ... (See Senior debt)

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)

Credit card interest rates remain at 15.09 percent -- Nov. 5, 2014: Average rates on new card offers held steady Wednesday at 15.09 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Employed grad with no debt gets rejected for new card -- With no debt, a job and regular payments on a low-limit card, a recent grad wonders what she has to do in order to get approved for a new card ... (See New credit)

Currency changes to aid blind slow to take shape -- New technology and phone apps have made it easier for blind consumers to discern cash, despite delays in physically changing the currency ... (See Blind)

Credit card interest rates rise to 15.09 percent -- Oct. 29, 2014: Average rates on new card offers rose slightly Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

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)

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)

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)

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)

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)

Credit card interest rates remain at 15.07 percent -- Oct. 8, 2014: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Student loans up 84 percent, while other loans drop -- While the dollar amounts of mortgages and credit cards have dropped since 2008, student loans have climbed, an Experian study has found ... (See Student loans)

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)

Average credit card interest rates rise to 15.07 percent -- Oct. 1, 2014: Average rates on new card offers jumped this week to their highest point in nearly three years, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Q&A: Kara McGuire cuts through financial clutter in 'Teen Money Manual' -- McGuire's new book, "The Teen Money Manual," covers earning, saving, spending and protecting money in teen-approved prose ... (See Teen Money Manual)

Average card rates fall to 15.05 percent -- Sept. 24, 2014: Average rates on new credit card offers dipped this week for the first time in more than five months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Credit card debt statistics -- Our team has compiled statistics on total U.S. credit card debt over the years, average credit card debt per cardholder and much more ... (See Credit card debt)

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)

Rates remain stuck at 15.06 percent for fourth week -- Sept. 17, 2014: Average rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report)

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)

How to avoid crushing student debt -- Saving early, shopping for colleges, applying for grants and scholarships, and working part-time while in college are a few steps that may ease families’ long-term financial burdens ... (See Minimizing college debt)

Credit card interest rates remain at 15.06 percent for 3rd week -- Sept. 10, 2014: Average credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates average 15.06%)

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)

Credit card interest rates steady at 15.06 percent -- Sept. 3, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Credit card interest rates grow to 15.06 percent -- Aug. 27, 2014: Average credit card interest rates rose this week for the first time in nearly two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

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)

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)

Interest rates remain locked at 15.03 percent for 7th week -- Aug. 20, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Credit card APRs remain flat at 15.03 percent -- Aug. 13, 2014: Average rates on new card offers remained at 15.03 percent Wednesday for the sixth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate Report Aug. 13, 2014)

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)

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)

Card APRs locked at 15.03 percent for 5th week -- Aug. 6, 2014: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report Aug. 6)

Rates remain at 15.03 percent for 4th week -- July 30, 2014: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

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)

When is a bankruptcy officially discharged? -- The day you no longer are responsible for debt repayment after you file for bankruptcy depends on whether you filed under Chapter 7 or Chapter 13 ... (See Discharge)

Rates remain at 15.03 percent for second week -- July 23, 2014: Interest rates on new card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Credit card interest rates stay put at 15.03 percent -- July 16, 2014: Interest rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates report)

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)

Rates rise for the second straight week: CreditCards.com Weekly Credit Card Rate Report -- July 9, 2014: Interest rates on new card offers rose Wednesday for the second consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, July 9, 2014)

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)

Rates rise to 15.02 percent: CreditCards.com Weekly Credit Card Rate Report -- July 1, 2014: Interest rates on new card offers rose this week for the first time in two months, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, July 2, 2014)

Higher One grows to dominate college debit card market -- A little-known upstart has quickly grown to dominate the campus debit card business, but it is now drawing heat from Congress, regulators ... (See Higher One)

Rates remain stuck at 15.01 percent for 8th week -- June 25, 2014: Interest rates on new card offers remained locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, June 25, 2014)

How unpaid medical debts affect credit scores -- Ignore unpaid medical bills at your own peril: You may have healed, but your credit score may stay sick for a long time ... (See Medical debt)

Card rates remain locked at 15.01 percent for 7th week -- June 18, 2014: Interest rates on new credit card offers didn't budge this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report, June 18, 2014)

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)

Walk away from co-signed loan? No such thing -- Her mother defaults; her kids need student loans. What's a serial co-signer to do? Step No. 1: Put down the pen ... (See Co-sign no more)

The new math: Working through college may not pay off -- If students delay graduating because they're busy working, they may never recover financially -- and may never graduate, either. Here's how to decide whether working as a student is worth it ... (See Working through college)

Weighing work and study: one student's strategy -- Elise Birkner considered working to help pay for her college tuition. But after looking at the numbers, her family realized a part-time job would be too expensive ... (See Balancing work and study)

Rates remain at 15.01 percent for 6th week: CreditCards.com Weekly Credit Card Rate Report -- June 11, 2014: Interest rates on new card offers held firm this week, stalling at 15.01 percent for the sixth straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See APR on new card offers: 15.01% again)

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)

Are schools putting students’ personal data at risk? -- It's become the norm for school districts to turn over sensitive student data to outside "cloud computing" companies, a practice that has ignited concerns about student privacy ... (See Student data)

Protect your child's data, privacy at school: 5 tips -- As cloud-based technology moves into schools, it puts more data about your children onto remote servers. Here's what to know and do to safeguard that information ... (See Children's data: 5 tips)

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)

Rates remain stuck at 15.01 percent for 5th week: CreditCards.com Weekly Credit Card Rate Report -- June 4, 2014: Interest rates on new card offers remained at 15.01 percent Wednesday for the fifth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See weekly rate report 15 percent)

Rates hold steady at 15.01 percent for fourth week: CreditCards.com Weekly Credit Card Rate Report -- May 29, 2014: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Billed before credit card is activated? ID theft danger! -- If you receive a credit card statement before you received and activated the card, you need to act quickly. You may be a victim of fraud ... (See ID theft)

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)

Rates remain stuck at 15.01 percent: CreditCards.com Weekly Credit Card Rate Report -- May 21, 2014: Average rates on new credit card offers didn't budge for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, May 21, 2014: APRs stalled at 15.01%)

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)

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)

Rates remain at 15.01 percent: CreditCards.com Weekly Credit Card Rate Report -- May 14, 2014: Average rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate survey May 14, 2014)

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)

Rate survey: Credit card interest rates rise to 15.01 percent -- May 7, 2014: Average rates on new credit card offers inched higher this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates averaged higher)

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)

Rate survey: Credit card APRs linger at 15 percent -- April 30, 2014: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 30, 2014, rate report)

Rate survey: APRs hold steady at 15 percent -- April 23, 2014: Average rates on new credit card offers were unchanged at 15 percent this week after dipping the previous week ... (See April 23, 2014 rate report)

Should I pay in full, even after a debt settlement? -- If it's been years since the settlement, and the credit damage is mostly behind you, it's best just to let go. Focus on what's ahead, not what's behind you ... (See Settled)

Rates rise to 15.02 percent: CreditCards.com Weekly Credit Card Rate Report -- April 9, 2014: Average rates on new credit card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 9, 2014: Average APR rises to 15.02%)

Ah, to be young and have a near-perfect credit score -- A 23-year-old has a 772 FICO score and a $45,000 credit limit spread over four credit cards. Will another card move him closer to financial perfection? ... (See Young credit)

Debt near the bottom of parents' financial concerns -- America's parents worry more about setting a good financial example for their kids than taking on too much debt, T. Rowe Price's 6th annual 'Parents, Kids and Money' survey shows ... (See Parents, kids and money survey)

Rates remain at 15.01 percent for 7th week: CreditCards.com Weekly Credit Card Rate Report -- April 2, 2014: Average rates on new credit card offers remained locked at 15.01 percent Wednesday for the seventh consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See weekly rate report)

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)

Is it OK for merchants to accept credit cards from minors? -- If a parent has formally authorized a minor to use a credit card, accepting it isn't a problem. But getting some reassurances in writing is best practice ... (See Cards and minors)

Card interest rates remain locked at 15.01 percent -- March 26, 2014: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Interest rates locked)

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)

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)

Credit card interest rates remain at 15.01 percent -- March 19, 2014: Average rates on new credit card offers remained stuck at 15.01 percent Wednesday for the fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

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)

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)

Credit card interest rates remain stuck at 15.01 percent -- March 12, 2014: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Students seek financial transparency from college administrators -- Students from 20 colleges and universities across the county delivered letters to their school administrators Thursday asking for greater transparency about school partnerships with financial institutions ... (See students seek transparency )

Credit card interest rates hold at 15.01 percent -- March 5, 2014: Average rates on new credit card offers remained at 15.01 Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

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 card interest rates hold steady at 15.01 percent -- Feb. 26, 2014: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

Making sure bad debts are gone from your credit report -- Still paying a collector for an old debt? It should eventually fall off your credit report. But take care or it could linger longer ... (See Old debts and credit reports)

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)

Credit card interest rates tick up to 15.01% -- Feb. 19, 2014: Interest rates on new credit card offers inched up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Feb. 19, 2014 rate report)

Include all debts in a management plan -- When going into a formal debt management plan from a credit counseling agency, you can't keep several credit card accounts open. That defeats the purpose of getting out of debt ... (See DMP)

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)

Credit card interest rates hold steady at 15 percent -- Feb. 12, 2014: Interest rates on new credit card offers remained untouched this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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.)

Credit card interest rates remain at 15 percent -- Feb. 5, 2014: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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?)

Credit card interest rates fall to 15 percent -- Jan. 29, 2014: Average rates on new card offers dropped this week for the first time in nearly six months. ... (See Rates)

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)

Credit card interest rates remain locked at 15.06 percent -- Jan. 22, 2014: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates locked at 15.06 percent)

Restoring credit score after defaulting on student loan -- Deferring student loan payments doesn't last forever. When they come due, it's time to pay up or suffer the credit consequences ... (See Student loan default)

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)

Credit card interest rates frozen at 15.06 percent -- Jan. 15, 2014: Average rates on new credit card offers remained stuck at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Weekly Rate Report, Jan. 15, 2014)

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)

Rate survey: Credit card interest rates begin year at 15.06 percent -- Jan. 8, 2014: Average rates on new card offers remained frozen in place Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates still at 15.06 percent)

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 )

Tips for getting that first credit card -- The path to getting your first credit card may be bumpy at first, but if managed properly, the road to easy credit becomes a smooth ride ... (See First credit card)

Credit card interest rates end year at 15.06 percent -- Dec. 31, 2013: A year of stability in credit card rates ends with APRs at 15.06%, just 0.1% higher than a year ago, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

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)

Credit card interest rates stuck at 15.06 percent -- Dec. 24, 2013: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Rates remain at 15.06% for 5th week: CreditCards.com Weekly Credit Card Rate Report -- Dec. 18, 2013: Average rates on new credit card offers remained stuck at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Weekly Rate Report, Dec. 18, 2013)

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)

Credit card interest rates remain flat at 15.06 percent -- Dec. 11, 2013: Average rates on new credit card offers lingered at 15.06 Wednesday for the fourth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

Checklist for new graduates looking to rent 1st apartment -- New graduates faced with a tough job market have to crunch the numbers before deciding whether they can afford to leave the nest and get an apartment of their own ... (See 1st apartment)

Credit card interest rates hold steady at 15.06 percent -- Dec. 4, 2013: Average rates on new credit card offers remained at 15.06 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates)

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)

Credit card interest rates remain at 15.06 percent -- Nov. 26, 2013: Average rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Credit card interest rates rise to 15.06 percent -- Nov. 20, 2013: Average rates on new credit card offers inched higher this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates remain at 15.05 percent -- Nov. 13, 2013: Average rates on new card offers remained at 15.05 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Credit card interest rates rise to 15.05 percent -- Nov. 6, 2013: Interest rates on new credit card offers rose to 15.05 percent this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates hold at 15.03 percent -- Oct. 30, 2013: Interest rates on new card offers lingered at 15.03 percent Wednesday for the fourth straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Card APRs)

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)

Credit card interest rates hold steady at 15.03 percent -- Oct. 23, 2013: Average rates on new card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates hover near record highs -- Oct. 16, 2013: Average rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates rise to 15.03% -- Oct. 9, 2013: Average rates on new card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Can too many credit cards mess up your credit score? -- When a review of your credit report says you have too many card accounts open, will your otherwise stellar credit take a nosedive if you cancel some? ... (See Too many cards)

Credit card interest rates remain at 15.02 percent -- Oct. 2, 2013: Average rates on new card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Credit card interest rates rise to 15.02% -- Sept. 25, 2013: Average rates on new credit card offers lifted this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, Sept. 25, 2013)

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)

Credit card interest rates remain stuck at 14.99 percent -- Sept. 18, 2013: Average rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report, Sept. 18, 2013)

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)

Credit card interest rates remain at 14.99 percent -- Sept. 11, 2013: Average rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

Rate survey: Credit card interest rates rise to 14.99 percent -- Sept. 4, 2013: Average rates on new credit card offers rose this week for the first time in more than two months, to 14.99% ... (See Rates)

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)

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)

Rates remain flat for 3rd straight week -- Aug. 28, 2013: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Interest Rate Report, Aug. 28)

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)

Americans look abroad to avoid student loan blues -- Frustrated by the lack of affordable colleges at home, U.S. students are looking overseas to get an education. Universities in Canada even farther afield offer comparable quality at a lower cost -- but you have to know where to look ... (See Students look abroad)

Credit card interest rates hold steady at 14.95% -- Aug. 21, 2013: Average rates on new credit card offers held steady at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

Credit card interest rates remain at 14.95 percent -- Aug. 14, 2013: Average rates on new credit card offers remained at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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 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)

Credit card interest rates dip to 14.95% -- Aug. 6, 2013: Average rates on new credit card offers fell to 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report Aug. 7, 2013)

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)

Rates remain locked at 14.96% -- July 31, 2013: Interest rates on new credit card offers remained stuck at 14.96 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates unchanged a 6th week)

Will a debt management plan hurt your credit score? -- When you enter a debt management plan, one of the requirements is to close open card accounts. How will that action affect your credit score? ... (See DMP)

Credit card interest rates remain at 14.96% for fifth week -- July 24, 2013: Interest rates on new credit card offers remained unchanged Wednesday for the fifth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

Rate survey: Credit card interest rates stuck at 14.96% for 4th straight week -- July 17, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates unchanged a 4th week)

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)

Rate survey: Credit card interest rates don't budge -- July 10, 2013: Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Credit card weekly rate report)

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)

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)

Rate survey: Credit card interest rates remain at 14.96% -- July 5, 2013: Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Ken Ilgunas' unique approach to avoiding college debt -- He lived in van for two years while attending Duke University with the goal of graduating with no debt. Now he's written a book about his philosophy and experience ... (See Ken Ilgunas)

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)

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)

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)

Rate survey: Credit card interest rates remain flat -- June 26, 2013: Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Want to help a relative in debt? Do it carefully -- Sure, you can help a relative overwhelmed by debt. Help her negotiate, consolidate -- but be careful about taking that debt on yourself ... (See Relative in debt)

Rate survey: Credit card interest rates rise to 14.96 percent -- June 19, 2013: Interest rates on new credit card offers rose this week for the first time in more than a month, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

Rate survey: Credit card interest rates remain flat -- June 12, 2013: Interest rates on new credit card offers remained fixed this week at 14.95%, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

Rate survey: Credit card interest rates fall to 14.95 percent -- June 5, 2013: Interest rates on new credit card offers slipped this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See interest rates decline)

Wife of inmate worries about his card debt -- Her husband is in prison for five years, and he left behind $7,000 in card debt that she can't pay. Will she be pursued for the debt by collectors? ... (See Debt and prison)

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)

Rate survey: Credit card interest rates remain flat -- May 29, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Can old debt threaten a great credit score? -- His credit score is in the mid-700s already, but a debt collector is calling about an old debt. Will ignoring the calls threaten his creditworthiness? ... (See Credit score)

Rate survey: Credit card interest rates rise to 14.98 percent -- May 22, 2013: Interest rates on new credit card offers shot up this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rates)

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)

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)

Rate survey: Credit card interest rates hold at 14.94 percent -- May 15, 2013: Interest rates on new credit card offers remained flat this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See May 15, 2013: Card rates hold at 14.94 percent)

Does canceling an unactivated card hurt credit scores? -- She applied for a low-limit, high annual fee card and never activated it. Now she wants to cancel it. How will that impact her credit score? ... (See Credit score)

Infographic: Young adults most optimistic about finances -- Americans from age 18 to 29 have an optimistic outlook on their financial futures. Things look significantly gloomier to older Americans, however ... (See Financial outlook)

Rate survey: Credit card interest rates rise to 14.94 percent -- May 8, 2013: Interest rates on new credit card offers ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rare report)

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)

Infographic: The money topics your kids wish you'd talk about -- Most parents say they talk about money regularly with their kids. Their children, however, don't think these conversations are enough ... (See Family finances)

Rate survey: Credit card interest rates remain at 14.93 percent -- May 1, 2013: Interest rates on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Why stealing your dead BFF's identity is wrong -- Her best friend dies, so she "offers" to help the widower out by doing his finances. Then she applies for credit in her deceased friend's name as an "experiment." Hmmm. ... (See Fraud)

Rate survey: Credit card interest rates fall to 14.93 percent -- April 24, 2013: Interest rates on new credit card offers dipped this week for the first time in more than two months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 24, 2103: Rates fall to 14.93%)

When does bad debt fall off credit reports? -- If you have debts that went into collections and were later discharged in bankruptcy, when can you expect those marks to be erased from your credit reports? ... (See Debts)

Rate survey: Credit card interest rates remain at 14.95 percent for ninth week -- April 17, 2013: Interest rates on new credit card offers have stalled out, and remained at 14.95 percent for the ninth consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See April 17: Rates at 14.95% for 9th straight week)

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)

Credit card interest rates stay at 14.95% for eighth straight week -- April 10, 2013: Interest rates on new credit card offers remained at 14.95 percent once again this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rates survey, April 10, 2013)

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)

Rates remain at 14.95 percent for seventh straight week: CreditCards.com Weekly Credit Card Rate Report -- April 3, 2013: Interest rates on new credit card offers lingered at 14.95 percent for the seventh straight week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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: 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)

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)

Rates remain stuck at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- March 27, 2013: Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

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)

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)

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)

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)

Survey: Card rates remain at 14.95 percent for 3rd straight week -- Interest rates on new credit card offers remained at 14.95 percent Wednesday for the third consecutive week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

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)

Rates hold at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained static Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Soon-to-be college grad seeks adult plastic -- Graduating from college means new beginnings and responsibilities, including putting that student credit card aside and applying for grown-up plastic ... (See Student cards)

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)

Rate fall to 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell Wednesday for the first time in nearly a month, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Credit score impact of settling a debt or paying it in full -- A debt collector can wipe its hands of you if you accept the settlement offer on a delinquent debt, but how does that impact your credit score? ... (See Settling debt)

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)

Rates hold steady at 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers remained at 14.96 percent, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Authorized user's credit score in jeopardy on shared card -- When he was 14, his dad added him to a card account to boost his credit score. Now Dad is mismanaging the card and hurting his son's credit score ... (See Authorized user blues)

Pay As You Earn helps some student loan borrowers -- If you're a college grad who used federal student loans to pay for college, you may be eligible for a new income-driven repayment tool: the Department of Education’s Pay As You Earn Repayment Plan ... (See Student loans)

Infographic: In tough job market, student debt grows -- Recent grads are caving under the weight of their student loans, a TransUnion study has found ... (See Student loans)

Rates tick up to 14.96 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers inched up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Steps to rebuild a thin credit file -- After getting into credit card trouble almost 10 years ago, he gave up using plastic. Now he wants to try again with a new card, but how can he qualify? ... (See Thin credit )

Rates remain at 14.95 percent: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers held steady at 14.95 percent Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Mom defaults on card shared with daughter -- A mom tried to do the right thing by adding her daughter to her credit card account, but then she stopped paying. How will that affect her daughter's credit rating? ... (See Authorized user)

Credit report marred by multiple collectors' marks over one loan -- If a delinquent debt is finally settled, can you get the multiple collectors' notations on your credit report removed? ... (See Credit reports and bad loans)

Rates dip slightly after 10-week status quo: CreditCards.com Weekly Credit Card Rate Report -- Interest rates on new credit card offers fell slightly Wednesday after remaining unchanged for 10 straight weeks, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Emancipated minor wants to start building credit -- Just how does a recently emancipated soon-to-be 17-year-old go about building his credit without parental consent? ... (See Emancipated minors and credit)

5 credit lessons all parents should teach their daughters -- Home schooling about credit is especially important for daughters, because women with low levels of financial literacy do worse with credit than their male counterparts. So teach these five lessons to your daughters before they leave home ... (See Teach your girls)

He's new to credit, behind on bills, worried about job hunt -- He started off on the right foot by getting credit and paying bills on time, and then he moved, lost his job and fell behind on payments ... (See Missed payments)

Beware of co-signing student loans for your kids -- A mom co-signed for her kids' student loans, and now payments are way overdue. Mom's credit score is tanking as result. What are her options? ... (See Co-signer risks)

What lump sum offer will debt collectors settle for? -- With $80,000 of student loan debt in default, he wonders if there are any industry standards for settling for less than he owes with the collection agency ... (See Debt settlement)

How to mend your bad credit rating -- If you have horrible credit, it doesn't mean it's ruined forever. Knowing how you got there and how to make things right can help ... (See Digging out of bad credit)

When a cardholder dies, is the authorized user liable for any balance? -- When a primary account holder for a credit card dies, an authorized user on the card wonders if he is now responsible for the card's balance ... (See Authorized users)

Credit card lessons for college students -- What started out as an emergency card in college can morph into big, long-term debt if you're not careful. Plan carefully before moving on to another card ... (See College credit)

Will high credit card balance hurt recent grad's credit score? -- A mom wonders if her college grad daughter's high credit card balance and regular payments will help build a good score or hurt it ... (See Credit scores, high balances)

Co-signed loans and your credit history -- A mom co-signed her son's student and car loans. Now that he's employed, she wonders if she can get those loans off her credit reports ... (See Co-signed loans)

Once you reaffirm an old debt you can be sued -- Debt that has passed the statute of limitations should prevent debt collectors from suing you -- unless you mistakenly reaffirmed that the debt is yours ... (See Re-aging debt)

Which is best for holiday shopping: Layaway or credit cards? -- She wants to get a leg up on her holiday shopping, but wonders if layaway or using her credit card is a better choice ... (See Layaway or credit?)

Rates hold at 15.01%: CreditCards.com Weekly Credit Card Rate Report -- Nov. 7, 2012: Interest rates on new credit card offers stayed put this week, according to the CreditCards.com Weekly Credit Rate Report ... (See Rate report)

Is student loan co-signer at risk if bankruptcy looms? -- With shared responsibility for a student loan, a mom worries that when her daughter files for bankruptcy, the mom's credit will be at risk ... (See Student loan co-signer)

Getting an ex to pay joint card debt after divorce -- Relying on an ex-spouse to pay off a joint account post-divorce can be worrisome, but there are some options to keep your credit score safe in the meantime. ... (See Joint credit card debt)

Card rates rise slightly: CreditCards.com Weekly Credit Card Rate Report -- Oct. 31, 2012: Credit card interest rates ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Why opening and closing news card doesn't build credit -- A college student wonders if opening a new card and using it a couple times and then closing the account will help his credit score ... (See Open and shut credit)

How to graduate from an authorized user to having your own credit card -- The 'natural method' of building credit works fine for most: Get a little loan, keep up payments, then advance to bigger loans as needs grow ... (See Authorized user)

Does co-signing a mortgage put house at risk for unpaid credit card debt? -- A disabled mom co-signed for her son's home loan, but now she's being sued for credit card debt. Is her son's house in jeopardy? ... (See Co-signer risks)

Feds soften rules to let stay-at-home parents qualify for credit cards -- A rule intended to keep credit cards out of the hands of irresponsible youths had also prevented stay-at-home parents from getting them ... (See Stay at home moms)

Disputing errors on credit reports: A broken process -- A federal law is supposed to guarantee that credit report errors get fixed. So why do some people wind up spending months or even years trying to remove legitimate errors that are ruining their credit? ... (See Credit)

Can't get credit after bankruptcy? 3 reasons -- After you emerge from bankruptcy, getting credit can be tricky if you still have certain debts, aren't earning enough or apply with the wrong bank ... (See Credit after bankruptcy)

Young adult financial lessons -- When teaching a young adult to make smart financial choices -- start with the basics and move in to the scare tactic. ... (See Young credit)

Dependable borrowers with only one credit score -- If your bank or credit union doesn't report your payment activity to all three credit bureaus, you may find easy borrowing to be an uphill climb ... (See Credit reports and scores)

Areas struggling from recession still cautious with credit debt -- According to data from Experian, cardholders' willingness to pull out the plastic is partly determined geography -- specifically, by whether an area has recovered from the recessoin ... (See Credit card debt)

Want a rewards credit card? Clean up your credit score first -- A young man wants a rewards credit card for his new job, but his credit history is sketchy, which may also impact his new career ... (See Rewards cards)

10 surefire steps to get errors off your credit reports -- If you've already spent months, or even years, trying to scrub errors from your credit reports, it may feel like you have no choice but to live with them. However, don't give up too soon. You can get those errors fixed ... (See Tips for clearing credit errors)

What qualifies as a 'good' FICO credit score? -- Even if you screwed up big time just once, you can still have a good credit score. And if you fix the mistake, it can be even better ... (See Good credit score)

Infographic: Fewer credit cards among college students -- College students may be getting smarter -- about personal finance, that is; their overall credit card ownership has dropped in the last two years. ... (See Student credit)

How to build good credit with your first credit card -- Whether you are a U.S. national or not, you need to follow the same steps to building good credit by responsible use of your first credit card ... (See First credit card)

Infographic: Mobile banking on the rise for young and old -- A quarterly survey conducted by Citi revealed that consumers who bank using their mobile device is growing, even among older age groups. ... (See Mobile banking rising)

When does a debt management plan make sense? -- A single mom has racked up big card debt and also plans on going back to school. Would a debt management plan reduce her financial struggles? ... (See Debt management plans)

Infographic: Who uses small-dollar loans? -- Fifteen million Americans used small-dollar credit products in 2011, from outfits such as pawnshops, payday lenders and auto title outfits. Who borrows, why and what do they spend their loans on? ... (See Graphic: Small-dollar loans)

Credit card interest rates remain stable: CreditCards.com Weekly Rate Report -- Sept. 5, 2012 -- Credit card interest rates held firm for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate survey)

New U.S. immigrant credit rules of the road -- The U.S. credit system's rules are not easy to grasp for those new to the country, and understanding can be clouded by some common credit reporting myths ... (See New credit)

Rejected for credit? Maybe it's because you're dead -- Rejected for a loan because your credit history was shut down? It could be because the credit bureaus think you're dead ... (See Credit zombies)

Spending now and saving later are the financial hallmarks of singles -- Singles have a buy-now-save-later attitude when it comes to spending, and although attitudes are tough to change, changes in how they go about spending could bring them financial stability ... (See Spending and singles)

Debit card fraud is up -- As debit card use has risen, so has debit card fraud -- key targets are atms, grocery stores and gasoline pumps. ... (See Debit card fraud)

Credit card interest rates remain unchanged: CreditCards.com Weekly Rate Report -- August 29, 2012 -- Credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Church treasurer seeks credit card for purchases -- Nonprofits can benefit from well-managed credit cards, but what type of plastic would serve those type of organizations best? ... (See Church credit card)

Infographic: Top US cities all improving on paying back debt -- New data shows huge decreases in default rates, and a couple of big U.S. city's residents deserve a pat on the back ... (See Declining credit default rates )

Credit card interest rates rise: CreditCards.com Weekly Rate Report -- August 22, 2012 -- Credit card interest rates ticked up this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Sued for debt, harassed by debt collectors -- A single and unemployed mom was sued for debt she owed two years ago. Now she's being harassed by collectors and wonders how to get them to stop ... (See Debt collection)

Credit card interest rates remain flat: CreditCards.com Weekly Rate Report -- August 15, 2012 -- Credit card interest rates held steady for the third straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

What is the credit score impact of canceling an unused credit card? -- A reader regrets that he opened a retail card and now wants to cancel it before he activates it. How much will that cancellation hurt his credit score? ... (See Cancel a credit card)

Steps to take to clear credit reports of fraudulent card account -- Getting an issuer and the credit bureaus to clear your record of a fraudulent account takes time and patience -- as well as a little know-how ... (See Credit bureau dispute)

Credit card management 101 for new college students -- A high school student getting ready for college wants to know exactly how to manage her first credit card without getting into debt ... (See First credit card)

Son's credit hurt when mom defaulted on account -- Requesting a credit card for your child to use -- even if they're a minor -- could make them an authorized user whose credit is affected ... (See Authorized user)

4 credit card choices for college-bound students -- In addition to a mini fridge and extra-long twin sheets, have you thought about what type of plastic to send with your child to college? ... (See College credit)

How debt management plans impact credit scores -- If your spending and debt are out of control, a visit to your local credit counselor can help -- but will entering into a debt management plan destroy your credit? ... (See Debt management plans)

Best way to establish credit? Why, get a credit card, of course -- What's the best way to swim your way to good credit? You can dog-paddle with a secured card or attempt the butterfly with a strong swimmer as your co-signer ... (See Building a credit history)

Students shedding credit cards as recession, new law sink in -- The nation’s college students finally may be absorbing a lesson that won’t count in class but will improve their life skills: how to responsibly handle credit cards ... (See Students cut cards)

Never trust roommates to pay your bills: Erica Sandberg -- If a bill's in your name and your credit is on the line, trusting someone else to pay it on time in your absence is a mistake that can haunt you for seven years ... (See Roomie credit damage)

With six cards already in your wallet, would another one hurt? -- A 25-year-old with six credit cards in her wallet already wants to know if adding yet another card to the mix will help or hurt her credit score ... (See How many credit cards?)

Get a late start on building credit? Steps to boost score, qualify for a mortgage -- At 39 with just one credit card, a reader wants to boost her credit score to qualify for a mortgage in the near future. What are her options? ... (See Late start on credit )

Credit card issuers vary wildly on how they verify income, cardholders' ability to pay -- Some banks ask a lot, some very little in enforcing the Fed's 2011 rule requiring card applicants show an ability to repay what they borrow, CreditCards.com research shows ... (See Ability to pay)

Infographic: College graduates make little progress in paying off debt -- Students who have graduated from college are slow to pay back on their debt, according to a Rutgers report. ... (See Student debt)

Erica Sandberg: Does rehabilitating a student loan require a fee? -- If your federal student loan is in collections and you want to start paying again, beware of collectors who want to charge you an upfront fee ... (See Rehabbing student loans)

Erica Sandberg: Student loan default squeezes broke mom -- His mom co-signed on his student loan, which went into default and she's now destitute. Our expert sternly outlines what he has to do to fix things ... (See Student loan default)

Q&A with Olympic gymnast Shawn Johnson -- Shawn Johnson became America's sweetheart when she won a gold and three silvers in gymnastics at the 2008 Beijing Olympics, but her greatest balancing act has been keeping her head through the highs and lows of a professional athlete's life ... (See Shawn Johnson Q&A)

Erica Sandberg: Steps to getting that first credit card -- Without a solid credit history of making payments on time, qualifying for a low-interest credit card will be hard. First, you have to take baby steps ... (See First credit card )

Erica Sandberg: Getting debt free means stashing credit cards -- Sure, there are all kinds of credit products out there, but if you're trying to whittle down debt, the best option is to live a plastic-free life for a while ... (See Stash the plastic)

7 tips for dealing with college debt -- Now that you have your degree, put those smarts to use to figure out how to get out from under your huge student loan debt ... (See 7 tips to pay off college debt)

Q&A with Holly McCall, champion of the stay-at-home parent -- Turned down for a Target card because issuers cannot consider household income anymore, McCall got so mad she's campaigning for change ... (See Holly McCall)

Erica Sandberg: Why getting debt help may hurt new credit access -- The reasons that led you into a debt management plan may be the same reasons why credit card issuers keep turning your down for new credit ... (See Credit card rejection)

Erica Sandberg: 2 ways to start building a credit history -- You want your first credit card, but no bank will give you one without an established credit history. How do you go about proving you're a good credit risk? ... (See First credit card)

Erica J. Sandberg: When it's OK to get a second credit card -- You've been faithful to paying on time with your first credit card, but the limit is low. How do you know when it's a good time to get a second credit card? ... (See Getting a second credit card)

Erica Sandberg: Know where you stand before you apply for new credit -- To know what kind of credit card you can qualify for, you first need to know your credit score and pull your credit reports ... (See Applying for credit)

Infographic: College graduates afraid of not finding job -- Respondents to an online survey say that of their worries after college, they are most afraid of not finding a job ... (See Student money woes)

Study: Despite new law, credit cards finding their way to students -- A 2009 law aimed at curtailing access of students under 21 to credit cards hasn't worked, a study says, as card issuers found ways around the restrictions ... (See Student credit)

Erica Sandberg: Credit score tips for new U.S. residents -- New to the country? Be aware that there are multiple credit scores, and good credit practices can quickly build a great credit score ... (See Credit score tips)

CreditCards.com Weekly Rate Report, April 18, 2012: Credit card interest rates remain unchanged -- Average credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Rules for using your first credit card -- Your first credit card can be an opportunity to build good credit or create a financial disaster. Follow these guidelines and avoid getting in over your head ... (See First credit card)

More consumers ditch rewards, go with plain vanilla credit cards -- Basic credit cards won’t help you rack up free flights, wads of cash or gift cards. But new research shows they’re back in a big way, and they’re especially popular with young, financially savvy consumers ... (See Plain vanilla credit cards)

Fed: Consumers wary of mobile payment security -- Americans are embracing using cellphones to conduct financial business, says a March 2012 report from the Federal Reserve, but concerns about security hare holding back adoption ... (See Mobile payments)

Erica Sandberg: Issuer increases your interest rate, do you cancel credit card? -- When a card issuer notifies you of a interest rate change, you have several options, including canceling the card. But is that the best choice? ... (See Canceling a credit card)

Survey: Students fail the credit card test -- According to a multicampus survey of college business students, only a small fraction pay off their credit card debt each month or know their interest rate ... (See Financial literacy fail)

Erica Sandberg: How to build good credit with your first card -- Sure, your first credit card probably came with a low credit limit, but use it wisely and progress slowly to build a strong credit history ... (See First credit card)

CreditCards.com Weekly Rate Report, April 4, 2012: Credit card interest rates decline -- Credit card interest rates dropped to their lowest level since February, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

CreditCards.com Weekly Rate Report, Mar. 28, 2012: Credit card interest rates remain unchanged -- Credit card interest rates held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate Report)

Erica Sandberg: How to move student loans out of default -- Hollywood is missing out on a blockbuster horror movie: Student loans gone bad. Getting defaulted student loans back on track can drive you mad ... (See Student loans)

Tanisha Warner: What you can do when authorized users go wild with your credit card -- When an authorized user runs up debt or doesn't make payments, the card's primary holder can take a credit hit. But all is not lost ... (See Authorized users)

Does your kid need a financial coach? -- Soccer coach? Sure. Algebra tutor? No problem. But what about hiring a money coach for your kid? A new breed of financial advisers and life coaches, billing themselves as financial coaches for kids and teens, thinks it's worth it ... (See Kids and money coaches)

CreditCards.com Weekly Rate Report, Mar. 21, 2012: Credit card interest rates dip slightly -- Credit card interest rates dipped slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Will banks lend again after your bankruptcy? -- A series of unfortunate events can suddenly lead to bankruptcy, but is the hit to your credit one that marks you for life? ... (See Getting a loan after bankruptcy)

Student ID/debit card combos bring high fees, controversy to college campuses -- Thought marketing plastic on campus was a thing of the past? Not so fast. Two years after the Credit CARD Act went into effect, banks are still on campus but are luring new customers with college ID cards that double as debit cards ... (See Student IDs and debit cards)

Student loan debt: the next time bomb? -- Today's college graduates are hitting the job market with more debt and fewer prospects, setting up the prospect of another delinquency disaster ... (See Student loan debt)

Public schools get mixed grades on financial literacy -- Efforts to get schools to teach financial literacy to children are stalling, and there is debate about whether such education even works ... (See Financial education)

Financial literacy online resources for parents, children -- With a decreasing number of states requiring financial literacy courses, what's a parent to do to raise money-smart kids? These resources will help ... (See Financial literacy)

5 smart banking tips for college students -- The bank your college chooses may be more convenient. However, experts say you're better off thinking about what you really want from a banking service before you sign your name on the dotted line. These tips can help you decide ... (See College students and banking)

CreditCards.com Weekly Rate Report, Mar. 6, 2012: Moves by Chase, Best Buy push credit card interest rates higher -- Credit card interest rates jumped this week for the first time in nearly three months, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Can you sue an authorized user for nonpayment? -- Protect yourself from authorized users on your credit card charging up a storm on your card and then leaving you with a huge unpaid balance ... (See Authorized users)

Tanisha Warner: How to remove an authorized user from a credit card account -- If you've made a mistake with your credit card and screwed up your own credit, authorized users on that card shouldn't have to take a credit hit, too -- assuming you take action ... (See Authorized users)

CreditCards.com Weekly Rate Report, Feb. 29, 2012: Credit card interest rates hit 8-month low -- The average interest rate on a new credit card offers fell to its lowest level since June of 2011, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: 6 tips for finding the right debt management plan for you -- Before you enter into a debt management plan, be sure to pick a credit counselor whose style and competence are a good match for you ... (See Debt management plan tips)

CreditCards.com Weekly Rate Report, Feb. 22, 2012: Credit card rates' holding pattern continues -- The average interest rate on a new credit card offer remained unchanged at 14.91 percent, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Do debt management plans hurt your credit score? -- With $35,000 in debt, a couple decided to get help by entering into a debt management plan. But they worry how a DMP will impact their credit scores and future purchasing power ... (See Debt management plans)

CreditCards.com Weekly Rate Report, Feb. 15, 2012: Credit card rates remain in holding pattern -- The average interest rate on a new credit card offer remained unchanged, according to the CreditCards.com Weekly Credit Card Rate Report, as credit card APRs' recent holding pattern continued ... (See Rate report)

Erica Sandberg: First credit card? Follow these best practices -- Managing your first credit card the right way can set the stage for building up great credit. Used wrongly and you may spend years fixing your mistakes ... (See First credit card)

CreditCards.com Weekly Rate Report, Feb. 8, 2012: Credit card rates hold steady for 2nd week -- The average interest rate on a new credit card offer remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, though issuers are still tweaking APRs ... (See Rate report)

Erica Sandberg: You can pay someone else's debt and not be liable for it -- A daughter elects to help her dad with his collection payments, but he wonders if she will then be held responsible for the debt ... (See Paying someone else's debt)

CreditCards.com Weekly Rate Report, Feb. 1, 2012: Credit card rates hit lowest levels in 5 months -- Interest rates on new credit card fell to their lowest levels since August 2011 this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Dad racks up charges on son's credit card -- A father fraudulently opened a credit card in his son's name and charged $5,000. Now he can't pay more than the minimum. What are his son's options? ... (See Credit card fraud)

Infographic: The high cost of love -- When it comes to love, 2012 is going to be pricey and disappointing for many Americans. In a Valentine's Day-inspired survey, American Express looked at couples' spending habits and even their future plans for their relationships ... (See Cost of love)

CreditCards.com Weekly Rate Report, Jan. 25, 2012: Credit card APRs unchanged for 2nd straight week -- Interest rates on new credit card offers held steady for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: What happens when you're sued for a credit card debt -- If a court summons over an unpaid debt arrives, the worst thing you can do is ignore it because if you don't show up, they'll win by default ... (See Sued over credit card debt)

Tanisha Warner: Discharging student loan in bankruptcy requires major hardship -- Want to declare bankruptcy and wash your hands of that troublesome student loan? Our expert says that it's not that easy ... (See Bankruptcy and student loans)

CreditCards.com Weekly Rate Report, Jan. 18, 2012: Credit card rates hold steady -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Erica Sandberg: How settled card accounts impact your credit report -- Settling a delinquent account for less than you owe may be good for your wallet, but it's not so good for your credit reports and score ... (See Settled accounts, credit reports)

CreditCards.com Weekly Rate Report, Jan. 11, 2012: Average APR drops following First Premier move -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, due to a sharp APR drop for the priciest card in our survey. ... (See Rate report)

Erica Sandberg: Mom's on hook for daughter's card debt -- A daughter uses bankruptcy to delete debt only to discover her mom is responsible for $24,000 on a credit card she co-signed more than 20 years ago ... (See Co-signers and card debt)

CreditCards.com Weekly Rate Report, Jan. 4, 2012: Credit card rates steady as 2012 begins -- Interest rates on new credit card offers were unchanged to start the new year, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Who do you pay when a debt goes into collection? -- When an unpaid debt is charged off and sold to a collector, who do try to negotiate a settlement with: the original creditor or the collector? ... (See Debt collection)

CreditCards.com Weekly Rate Report, Dec. 28, 2011: Interest rates drop for the 2nd straight week -- Interest rates on new credit card offers fell for a second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: One easy step to build a U.S. credit history -- A good salary and U.S. residency doesn't mean you'll be issued a credit card the first time you try. You have to start slow and be patient ... (See Building U.S. credit)

CreditCards.com Weekly Rate Report, Dec. 21, 2011: Credit card rates dip as holiday shopping nears end -- As the holiday shopping season nears an end, interest rates on new credit card offers fell from their record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Don't jeopardize great credit with new credit -- When your credit score is already high, but not high enough, there are ways to boost it without applying for a new credit card ... (See Get a higher credit score)

Gary Foreman: How to teach your children basic financial concepts -- If you teach your kids to 'sleep on' major money decisions and learn the power of compound interest, they'll have gained important lessons that will serve them a lifetime ... (See Teaching money lessons to your kids)

CreditCards.com Weekly Rate Report, Dec. 14, 2011: Credit card interest rates shoot to record high -- Interest rates on new credit card offers surged to a record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Trying to escape a high APR via a balance transfer -- Trying to transfer a spouse's high-interest debt to your balance transfer card? Not all issuers will allow that to happen ... (See Balance transfer card)

Erica Sandberg: Choosing the right credit card for a new business -- Our expert outlines common money mistakes new business owners make when starting a new business on credit ... (See First business credit card)

CreditCards.com Weekly Rate Report, Nov. 30, 2011: Credit card APRs remain in holding pattern -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

How young is too young for credit? Do you add an infant to your card account? -- In an effort to build a strong credit file for their child, a parent wants to know if adding his newborn as an authorized user to his card is a good first step ... (See Too young for credit)

CreditCards.com Weekly Rate Report, Nov. 23, 2011: Credit card APRs unchanged as holidays near -- Interest rates on new credit card offers remained unchanged this week as banks took their traditional Thanksgiving break from changing rates, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Can I go back to college if student loans are in default? -- Unpaid student loans can haunt you for the rest of your life, but shouldn't keep you from pursuing your dreams of finishing college ... (See Unpaid student loans)

CreditCards.com Weekly Rate Report, Nov. 9, 2011: Credit card interest rates hold steady -- The average interest rate on a new credit card offer stayed static this week, according to the CreditCards.com Weekly Credit Card Rate Report. However, that doesn't mean that all of the nation's largest credit card issuers were sitting on their hands ... (See Rate report)

Erica Sandberg: In marriage, maintain your own credit -- Combining finances can be great, but it's important to maintain at least one credit card in your own name to protect your personal credit rating ... (See Marriage and credit scores)

CreditCards.com Weekly Rate Report, Nov. 9, 2011: Credit card APRs inch up, near record high -- Interest rates on new credit card offers inched up this week for the first time in a month, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Make sure your payments make a dent in your debt -- Debt payments that don't seem to diminish your total debt can get frustrating. You have three options: pay more, seek help or bail ... (See Debt repayment tips)

CreditCards.com Weekly Rate Report, Nov. 2, 2011: Credit card interest rates see 2nd drop in 3 weeks -- Interest rates on new credit card offers inched lower for the second time in three weeks, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: How low can an authorized user go? -- What's wrong with this picture when a reader asks if an authorized user on a credit card wants to open other accounts in the primary card holder's name? ... (See Authorized users)

CreditCards.com Weekly Rate Report, Oct. 26, 2011: Credit card interest rates hold steady -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Have residency, but no credit? -- You may have to jump through a few hurdles, but getting credit when you are a permanent U.S. resident shouldn't be too hard ... (See Establishing credit)

Jeremy M. Simon: Mending a credit score hurt by a student loan default -- A reader who defaulted on a co-signed student loan wonders whether a debt settlement is the best path to rebuilding her high credit score ... (See Student loan default)

CreditCards.com Weekly Rate Report, Oct. 19, 2011: Credit card APRs see 1st drop in 3 months -- Interest rates on new credit card offers fell for the first time since July, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: 7 questions to ask before you do a balance transfer -- A zero-percent balance transfer card may sound like the perfect solution to your high-interest debt problem, but that's not always the case ... (See Balance transfer credit card)

Gary Foreman: Why every student needs a bit of economics -- You may not become an economist, but everyone needs to have basic knowledge of how they spend today impacts their saving for tomorrow ... (See Economics and spending)

CreditCards.com Weekly Rate Report, Oct. 12, 2011: Credit card APRs reach another record high -- Another week, another record for credit card interest rates. APRs on new credit card offers reached 15 percent for the first time in the four-year history of CreditCards.com's Weekly Rate Report ... (See Rate report)

Erica Sandberg: Is 'unfreezing' a card a good thing? -- After a bank "freezes" your card due to nonpayment and a maxed-out status, will thawing it out help or hurt your credit score? ... (See Card suspension)

CreditCards.com Weekly Rate Report, Oct. 5, 2011: Credit card rates unchanged, remain at record highs -- Interest rates on new credit card offers remained at record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: The pitfalls of shared card accounts -- Our expert clarifies the differences between authorized users, co-signers and joint account holders, along with who shares payment responsibilities ... (See Shared card accounts)

CreditCards.com Weekly Rate Report, Sept. 28, 2011: Credit card rates reach another record high -- Interest rates on new credit card offers edged up to another record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg:Can you build credit by paying off card after every use? -- If you use your plastic for everyday purchases, but pay off the balance the next day, will your credit score rise? ... (See Paying debt quickly)

QA with 'Frugalista' Natalie McNeal -- Single, 32, in serious debt and in a precarious job, blogger Natalie McNeal transformed her high-spending ways into a "frugalista" lifestyle ... (See Natalie McNeal)

CreditCards.com Weekly Rate Report, Sept. 14, 2011: Credit card rates stay at record highs for 2nd straight week -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, as rates' upward climb paused following several volatile weeks ... (See Rate report)

Erica Sandberg: Steps to starting over after losing everything -- Re-entering the workforce after a long-term illness in which you lost everything can seem daunting, but starting somewhere can make all the difference ... (See Starting over)

CreditCards.com Weekly Rate Report, Sept. 14, 2011: Credit card rates climb to another record high -- Interest rates on new credit card offers climbed to another record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: 3 steps for early money management -- Setting up financial goals when you're young can set the stage for success if you stick to a budget and set aside money regularly for the things you want ... (See Money management for youths)

5 money tips for parents of new college students -- Your college-age son or daughter isn't the only one who needs to learn; you have new financial choices you need to master ... (See College money tips for parents)

8 financial experiences your kids need to have now -- To equip your children with good financial sense now -- before they have to learn things the hard way -- make time for these 8 money-skill-building experiences ... (See Kids and money)

CreditCards.com Weekly Rate Report, Sept. 7, 2011: Credit card rates stay at record highs -- Interest rates on new credit card offers stayed at record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: In a debt management plan? No new credit for you -- If you have negotiated with lenders through a credit counseling service to pay down your debt, the last thing you want to do is take on new loans ... (See Debt management plans)

CreditCards.com Weekly Rate Report, August 31, 2011: Credit card rates rise to record high -- Interest rates on new credit card offers rose to a new record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Record high rates)

Erica Sandberg: Boost savings with temporary budget cuts -- How do you save thousands over a short period, especially when you have a tendency to overspend? First, see where you stand ... (See Boost savings)

CreditCards.com Weekly Rate Report, August 24, 2011: Credit card rates jump to near-record levels -- Interest rates on new credit card offers jumped to a near-record high this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Set up charging rules on co-signed card -- A financially reformed mom co-signed on a card for her college-bound son, but worries that he may return her to financial ruin ... (See Co-signed credit card)

Infographic: Credit card issuers still paying big bucks to colleges -- The Credit CARD Act of 2009 changed the rules of the game, but credit card companies are still paying colleges and alumni groups big bucks to market to their students ... (See Colleges and credit cards)

6 tips for avoiding the 'freshman $15,000' -- The first year of college is famous for weight gain, known as the "freshman 15," but it's also bad for gaining debt. Six college students reveal how they gained, then shed, their "freshman $15,000" ... (See Freshman debt)

CreditCards.com Weekly Rate Report, August 17, 2011: Credit card APRs unchanged for 3rd straight week -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Weigh all costs when doing a balance transfer -- When thinking about transferring your balance to a lower rate card, you need to do the math and have a plan before you card-hop ... (See How to evaluate a balance transfer)

CreditCards.com Weekly Rate Report, August 10, 2011: Credit card APRs unchanged in wake of U.S. credit downgrade -- Despite the downgrade of the nation’s credit rating and an announcement from the Federal Reserve, interest rates on new credit card offers stayed the same this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Retirement funds off limits for debt repayment -- At 29, a reader proposes dissolving some or all of his 401(k) to pay off $37,000 in debt. Our expert says there are other, much safer, options available ... (See 401(k) debt solution?)

5 credit score secrets of the young and FICO-savvy -- Today's 20-somethings face a stiff lending environment that looks down on short credit histories. Find out how some broke through barriers and build a solid foundation early ... (See Credit score secrets)

CreditCards.com Weekly Rate Report, August 3, 2011: Card APRs unchanged as run of declines stalls -- Credit card interest rates held steady this week, ending a two-week run of declines that brought APRs down from record levels ... (See Rate report)

Erica Sandberg: Getting a credit card at age18 presents challenges -- It's not impossible, but qualifying for an unsecured credit card at the age of 18 presents unique challenges ... (See Qualifying for credit at age 18)

CreditCards.com Weekly Rate Report, July 27, 2011: Credit card APRs take 2nd straight dip -- Credit card interest rates dipped for the second straight week, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

Erica Sandberg: New resident's quest for U.S. plastic -- Having lived in the U.S. for two years now, a reader wants to know how to go about picking -- and getting approved for -- a new credit card ... (See New U.S. credit)

5 signs of a rip-off beauty pageant -- Not all beauty pageants are legitimate enterprises. Heed these 5 warning signs before you hand over big bucks for nothing in return ... (See Beauty pageant scams)

CreditCards.com Weekly Rate Report, July 20, 2011: Business card drop sends credit card APRs off record highs -- Business card interest rates took a dip this week, sending overall credit card APRs down from record highs, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

Erica Sandberg: Getting your foot in the credit door -- Young, educated and debt-free, a reader keeps getting turned down for a credit card and wants to know how to get her credit started ... (See How to get your first credit card)

CreditCards.com Weekly Rate Report, July 13, 2011: Credit card APRs stay at record highs -- Summer vacationers, beware: Credit card interest rates stayed at record heights for a second straight week, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

Erica Sandberg: The path to good credit after college -- Follow these four lessons on how to build a great credit profile after you graduate from college ... (See Path to good credit)

Length of credit history: What it means to your score -- Age and experience typically prove beneficial to maximize your credit score ... (See Length of credit history)

Infographic: Women more focused than men on saving, cutting card debt -- When the Javelin Strategy & Research team polled men and women about their top financial goals in 2011, women were more frugal-minded ... (See Men, women and money)

Fed report: Credit card payments to college schools, alumni groups still lucrative -- With scrutiny up on once-secret credit card marketing deals with college groups, the payments are down, a Fed report said Thursday ... (See College card marketing deals)

CreditCards.com Weekly Rate Report, July 6, 2011: Credit card APRs hit record high -- Interest rates on new credit card offers soared to record heights this week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg :How do banks determine a credit card's credit limit? -- When banks issue you a credit card, how do they figure out how much credit to give you? Part of it is secret, the other part not so much ... (See Credit limits)

CreditCards.com Weekly Rate Report, June 29, 2011: Credit card APRs see rare drop -- Credit card interest rates fell this week, according to the CreditCards.com Weekly Credit Card Rate Report -- just the second drop since March ... (See APRs fall)

Erica Sandberg: Will student's credit suffer if mom doesn't pay school loans? -- A mom wants to know if if her son's credit will be in jeopardy if she cannot make the payments on a Parent PLUS college loan ... (See Student loans)

Infographic: The rise and fall of credit card accounts -- Compared to all other financial products, credit card accounts rose faster before the recession and fell harder during and after it, according to New York Federal Reserve data ... (See Credit card accounts)

6 college money myths -- Some prevalent college money myths involving credit can do damage that can dog young people well after they collect their sheepskins ... (See College money myths)

Credit card interest rates move higher, near record levels -- Credit card interest rates rose slightly this week, edging closer to record heights. The national average APR on new card offers climbed to 14.84 percent, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

Government ramps up effort to educate parents about kids' ID theft -- A recent study shined a light on the growing problem of child ID theft. Now, the government is stepping up its efforts to educate parents on preventing the crimes and resolving the damage already done ... (See Child ID theft)

Erica Sandberg: Beware of debt relief phone call promises -- A woman wonders if those debt relief phone callers can help cut her $20,000 in credit card debt in half ... (See Debt settlement)

Infographic: Most parents financially support their adult kids -- A May 2011 survey from the National Endowment for Financial Education finds 59 percent of parents are providing, or have provided, financial support to their adult children when they've finished school ... (See Parents supporting kids)

Infographic: Debt causes financial distress -- People with debt woes suffer in more ways than one, according to a recent study from the National Foundation for Credit Counseling ... (See Financial stress)

Credit card statistics, infographic: Americans' top 8 financial worries -- Americans are far more worried about their retirement funds (or lack thereof) than about their ability to make credit card payments, according to a poll by Gallup ... (See Money worries)

CreditCards.com Weekly Rate Report, June 15, 2011: Credit card APRs unchanged for 3rd straight week -- Credit card interest rates stayed steady again this week, but that doesn't mean issuers were sitting on their hands ... (See Rate report)

Erica Sandberg: Payment options for high-interest credit card debt -- Asking a credit card company to lower the interest rate on your debt can produce a variety of answers -- most of which you will not like ... (See High-interest card debt)

CreditCards.com weekly rate report, June 8, 2011: Interest rates unchanged for 2nd straight week -- Interest rates on new credit card offers remained unchanged for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Steps to make good on a defaulted student loan -- A reader wants to make good on a defaulted student loan and wonders how to go about "rehabilitating" it ... (See Student loans)

CreditCards.com weekly rate report, June 1, 2011: Interest rates unchanged this week -- The average annual percentage rate (APR) on new credit card offers was unchanged this week, staying fixed at 14.83 percent, according to the CreditCards.com Weekly Rate Report. ... (See Rate report)

Erica Sandberg: Daughter's credit at risk when mom defaults -- A mom defaulted on three credit cards where her minor child was an authorized user. She wonders if her daughter's credit is in jeopardy ... (See Piggybacking)

CreditCards.com weekly rate report, May 25, 2011: Average APRs fall on new card offers -- A move by Wells Fargo to cut the rates on two of its popular rewards cards caused the national average to fall in CreditCards.com's weekly rate report ... (See Weekly credit card rate report, May 25, 2011)

Erica Sandberg: Rejected: How your credit history impacts card approvals -- A student is rejected for a new credit due to a limited credit history and wonders what he can do to boost his credit scores further ... (See Credit history)

Why overexposing kids to money problems is a bad idea -- Parents who use money to control their kids or share too much information about financial problems can create lasting damage ... (See Financial incest)

Kim McGrigg: Debunking a myth about wage garnishment and student loans -- A reader who defaulted on her student loan has heard that paying any amount of money on a debt can help stave off wage garnishment. Our expert debunks the myth ... (See Student loans)

Credit card interest rates climb higher -- Credit card interest rates jumped this week, after Discover raised the rate on one of its business cards. But that wasn't the only troubling news for those looking for a business credit card. ... (See Rate report)

Erica Sandberg: Digging out of the depths of divorce debt -- It's not uncommon to be saddled with debt post-divorce. But when you're too depressed to deal with it, asking for help is your first priority ... (See Divorce and debt)

Credit card interest rates stay steady -- Interest rates on credit card offers stayed static this week, according to the CreditCards.com Weekly Credit Card Rate Report, though banks aren't standing idly ... (See Weekly rate report, May 11, 2011 )

Erica Sandberg: Are credit protection plans worth the cost? -- In all her years working with people with credit problems, our expert has never heard someone exclaim, 'My credit protection plan was a lifesaver!' ... (See Credit protection plans)

Credit card interest rates move higher -- Credit card interest rates moved higher this week, according to the CreditCards.com Weekly Rate Report. ... (See Interest rates)

Erica Sandberg: Want to kick-start kid's credit? You've got options -- A parent asks how he can help his children establish credit. Our expert lays out his options ... (See Student credit)

VantageScore turns 5: What it is, and why it matters -- It's been five years since VantageScore was launched as a more consumer-friendly alternative to the dominant FICO credit score, but has it really made a difference? It depends on who you ask ... (See VantageScore)

Credit card interest rates unchanged again -- With the cost of gas and groceries rising, consumers can take some solace in one thing that hasn't changed much lately -- credit card interest rates ... (See Rate report, April 27, 2011 )

Erica Sandberg: 5 steps to keep your bad credit from hurting your relationship -- A bride-to-be with iffy credit is worried about ruining her husband's sparkling credit. Our expert gives her a five-step plan to keep his credit in the clear. ... (See Credit and marriage)

Erica Sandberg: The case of the mysterious credit card balance -- A reader recently got a statement for a credit card account he says he doesn't remember having. Our skeptical expert helps him to unravel the mystery ... (See Credit card mystery)

Weekly Credit Card Rate Report: Shift in student cards sends credit card interest rates higher -- The average annual percentage rate (APR) on introductory credit card offers climbed to 14.67 this week, its first jump since late February ... (See Credit card Weekly Rate Report, April 20)

Erica Sandberg: How to prioritize different types of debt -- A reader with several different types of debt can't figure which to tackle first. Our expert offers a plan to help her prioritize what she owes. ... (See Debt priorities)

Credit card interest rates unchanged for 5th straight week -- Interest rates on credit card offers remained unchanged for a record fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report, and experts say that’s good news for consumers ... (See Rate report)

Does 'good' debt really exist? -- Does "good" debt exist anymore? Financial experts differ, but many say that in today's economy, it's time to reconsider how we look at some common types of debt ... (See Good debt)

CreditCards.com Weekly Rate Report: Credit card interest rates steady for record 4th straight week -- Interest rates on new credit card offers held steady for a record fourth straight week on Wednesday, according to CreditCards.com's Weekly Rate Report. But that doesn't mean issuers are sitting on their hands. ... (See Rate report)

Credit card interest rates unchanged for record 3rd straight week -- For the first time since CreditCards.com began tracking interest rates in 2007, APRs on new credit card offers remained unchanged for a third week in a row, according to the CreditCards.com Weekly Credit Card Rate Report ... (See Rate report)

Erica Sandberg: Unhappy with student loan terms? Consider these options -- A dad co-signed with his daughter on a student loan. He wants to pay it off soon, but he doesn't like the terms of the deal. Our expert lays out his options ... (See Student loan terms)

Jeremy M. Simon: What to expect when you're made an authorized user on a credit card -- A mother wonders whether making her teenage son an authorized user on her credit card will help pass on her good credit score to her teen ... (See Authorized users)

Ramit Sethi: Being rich isn't all about money -- "I Will Teach You to Be Rich" author Ramit Sethi says money experts focus more on saving money rather than making yours grow, and how being rich involves more than what's in your bank account ... (See Ramit Sethi)

CreditCards.com Weekly Rate Report: Credit card interest rates unchanged for second straight week -- The average annual percentage rate (APR) on new credit card offers remained unchanged at 14.65 percent for the second straight week, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

Erica Sandberg: Can issuers close inactive credit card accounts without telling you? -- A reader is surprised that an old, dormant credit card account was closed and he wasn't told. Our expert says this is neither illegal, nor uncommon, and offers some advice ... (See Closed credit card account)

10 credit commandments for young professionals -- The money habits you form in your 20s can set you up for financial success -- or failure. Be savvy with your cash early and reap the rewards later ... (See New to credit)

CreditCards.com Weekly Rate Report: Credit card interest rates stay steady -- The average annual percentage rate (APR) on new credit card offers held steady at 14.65 percent on Wednesday, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

Erica Sandberg: Mom ruined your credit? 7 steps to recover it -- A young man is starting his career with bad credit, thanks to his mom stealing his identity years before. Our expert outlines how he can get his credit back on track ... (See Recover from ID theft)

CreditCards.com Weekly Rate Report: Barclays' move sends credit card interest rates lower -- Credit card interest rates inched lower for the second straight week as more banks begin testing offers for the spring ... (See Credit card rate report, March 9, 2011)

Erica Sandberg: Card account closed? You still may be charged some fees -- A reader carries a balance on a closed credit card account and wonders why she's still being charged a maintenance fee. Our expert tells why that's not only legal, but common. ... (See Credit card maintenance fees)

Erica Sandberg: How to keep unethical debt collectors at bay -- A debtor says she's being harassed by an unethical debt collection agency. Our expert lays out the steps she can take to make the harassment stop ... (See Unethical debt collectors)

Credit card interest rates see 1st drop of 2011 -- Credit card interest rates declined this week for the first time in nearly three months. But it’s not all good news for consumers, as card offers for applicants with poor credit continue to be costly ... (See Credit card rate report, March 2, 2011)

Jeremy M. Simon: Requesting a teen's credit report isn't child's play -- A mom looking to get a copy of her teenage son's credit report finds that the process can be quite a challenge ... (See Obtaining a teenager's credit report)

Credit card interest rates rise to highest level since December -- Credit card interest rates rose slightly this week -- puncturing a multiweek lull in which all 30 credit card issuers that CreditCards.com tracks left interest rates alone. ... (See Credit card rate report, Feb. 23, 2011)

Erica Sandberg: What to do when a family member steals a minor's identity -- A woman's minor stepson is facing collections for fraudulent debt rung up by a family member. Our expert offers steps to help clear the boy's name and, potentially, take the perpetrator to court ... (See ID theft)

Credit card interest rates unchanged for 2nd straight week -- Credit card interest rates remained unchanged this week as banks returned, after a period of tumultuous change, to their seasonal slow period ... (See Rate report, Feb. 16, 2011)

Erica Sandberg: When a co-signed credit card goes bad -- A dad has been blindsided by a massive debt on a credit card that he co-signed with his daughter and then forgot about. Our expert details where he went wrong -- and how he can make things right. ... (See Co-signed credit card)

Erica Sandberg: The truth about Social Security benefits and wage garnishment -- Social Security benefits, in most cases, can't be taken as part of a wage garnishment. But a reader wonders how can tell those funds apart from other types of monies ... (See Social Security)

Credit card interest rates remain near record highs -- Credit card interest rates on new card offers were unchanged this week, lingering near record highs. ... (See Rate report)

QA with Kimberly Palmer, author of 'Generation Earn' -- For Gen Y, debt is almost inevitable, so learn to handle it wisely, argues Kimberly Palmer in her new book, "Generation Earn" ... (See Kimberly Palmer)

Chase move sends credit card interest rates higher -- Interest rates on new credit card offers, already in near-record heights, continued their slow, steady climb this week, according to the CreditCards.com Weekly Rate Report ... (See Rate report)

How your age affects your credit -- Whatever the stage of your financial life, see how these age-specific credit tips can help you manage your money ... (See Your age and your credit)

Federal Reserve leaves interest rates alone in first meeting of 2011 -- The Federal Reserve decided Wednesday to start 2011 in the same place it has spent the past two years -- on the sidelines. Its rate-setting committee voted to leave interest rates alone ... (See Interest rates)

Credit card interest rates unchanged, stay near record highs -- Credit card interest rates remained unchanged this week as banks took a break from adjusting new card offers. ... (See Rate report)

Barclays, State Farm push credit card interest rates higher -- Credit card interest rates again crept nearer to record levels, spurred by rate increases by Barclays and State Farm Bank, according to the CreditCards.com Weekly Rate Report. ... (See Interest rate report)

Erica Sandberg: How to handle unethical debt collectors -- Our expert tells a reader that he has some recourse against the debt collector that is using some questionable tactics in pursuit of his defaulted student loan ... (See Debt collectors)

Credit card interest rates unchanged, despite Chase and Barclays moves -- Credit card interest rates remained unchanged this week, despite tweaks to card offers from Barclays and Chase ... (See Rate report)

Haul video parody: Don't haul yourself into credit card debt -- In this spoof of the wildly popular haul video genre, "Bridget" gives the rundown of her latest haul of purchases from Forever 21 and Urban Outfitters -- until CreditCards.com's Connie Prater jumps in to give her a reality check about just how much trouble impulse buying can be. ... (See Haul video parody)

Barclays' moves send credit card interest rates higher -- Credit card interest rates rose slightly this week after Barclays raised interest rates on two of its cards. ... (See Credit card APRs)

Weekly Credit Card Rate Report: Credit card interest rates unchanged as turbulent year closes -- Interest rates on new credit card offers remained unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks wrapped up a turbulent year in which interest rates reached record highs. ... (See credit card APRs)

Erica Sandberg: Her best money advice of 2010: Excesses of youth -- Letters from a pair of ethically challenged youths gave our 'Opening Credits' columnist her two favorite questions of 2010 ... (See Money advice questions)

Erica Sandberg: 'Hard' vs. 'soft' credit pulls - The type of inquiry can affect your score -- How your credit record is pulled will affect your credit score: One type of inquiry is harmless, the other will cost you points ... (See Hard vs. soft credit pulls)

Weekly Credit Card Rate Report:Barclays, Cap One moves send credit card interest rates higher -- Credit card interest rates rose for the first time in six weeks after Barclays and Capital One adjusted card offers. ... (See Rate report)

Weekly Credit Card Rate Report: Interest rates unchanged despite move from Chase -- A Chase interest rate tweak plus a Federal Reserve announcement still added up to zero movement in the average APR on new credit card offers this week. ... (See Rate report)

Weekly Credit Card Rate Report: Credit card interest rates drop on Capital One changes -- Interest rates on new credit card offers continue to head lower, thanks to changes from Capital One, but that doesn't mean borrowing has become a breeze. ... (See Rate report)

7 ways credit card debt can be hazardous to your health -- Credit card debt won't just wreck your financial health. It can take a real toll on your body, too, says our expert, who has seen it happen many times ... (See Debt stress)

Debit cards on campus: convenient or a curse? -- With financial aid funds being dumped onto debit cards instead of paper checks, students have to made aware of tricky fees ... (See Debit cards on campus)

Weekly Credit Card Rate Report: Credit card interest rates unchanged after Thanksgiving holiday -- Banks, apparently still shaking off their tryptophan drowsiness, left interest rates on credit card offers unchanged this week ... (See Rate report)

Erica Sandberg: Unsure what to save for first? Follow these top 5 savings priorities -- A college student with a young child wants to get her financial life in order. Our expert tells her that one of the keys to success is getting her priorities straight when it comes to money ... (See Savings priorities)

Erica Sandberg: Deep in debt? Focus on repayment, not credit scores -- A student with a five-figure debt wonders why his credit score is so high. Our expert says he should focus instead on getting his debt paid down ... (See Credit card debt)

Weekly Credit Card Rate Report: Credit card APRs fall for second straight week -- Credit card interest rates continued to fall this week, pushed lower by a business credit card. ... (See Rate report)

Credit card interest rates fall from record highs -- Credit card interest rates finally fell from record highs this week, but it's far too early for borrowers to celebrate. ... (See APRs)

Erica Sandberg: Wondering who holds your delinquent debt now? Check your credit report -- A reader wants to know which company currently holds his delinquent debt. The answer, our expert says, can be found in his credit reports ... (See Delinquent debt)

Credit card interest rates hit another record high -- If it seems like credit card interest rates are higher than they've been in a long while, you're not imagining things. This week, the national average APR on new credit cards hit another record high, according to CreditCards.com's database of card offer information. ... (See APRs)

Walmart rate hike sends credit card APRs to record high -- Interest rates on new credit card offers leaped to record highs this week, following a rate hike on Walmart's Discover card ... (See Weekly rate report)

Erica Sandberg: Think twice before sharing credit card accounts with kids -- Moms and dads, beware of making your adult kid an authorized user or joint account holder on your credit card. It's noble to want to help, but their mistakes can clobber your credit. ... (See Authorized user)

Credit card APRs surge on First Premier card change -- Credit card interest rates neared record levels, after First Premier began charging the higher of two APRs to all of its new Centennial Classic cardholders. ... (See Weekly rate report)

Banks paid out $83 million in '09 to schools, alumni groups to market credit cards -- Once-secret agreements, forced into view by the 2009 credit card reform law, reveal the vast scope of student, alumni marketing ... (See College marketing deals)

Credit card interest rates rise on Chase, Cap One changes -- Interest rates on new credit card offers inched up this week, following after rate hikes from Capital One and Chase. ... (See Rate report)

Erica Sandberg: The dark side of credit piggybacking -- A mom who has fallen on hard times laments that her struggles are hurting her son's credit, since he's an authorized user on her card. Our expert tells her how to clean up the mess ... (See Piggybacking)

Credit card interest rates flat despite Chase changes -- Interest rates on new credit card offers were unchanged this week, despite several APR changes from Chase. ... (See Chase)

Video: 4 ways to know if it's time for a new credit card -- Just because an outfit looked great on you when you were 16 doesn't mean you'd be caught dead in it today, right? The same goes for your credit card. ... (See Video)

Credit card interest rates see 2nd straight increase -- For the second straight week, it got more expensive to get a new credit card, though only slightly ... (See Rate report)

Act fast when hit by credit card fraud, even if mom and dad were to blame -- A student had her credit ruined several years ago when her parents stole her identity and ran up debts. Now the collectors are coming after her. Our expert helps steer her toward clearing her name and credit. ... (See Parental ID theft)

Kids aren't responsible for parents' old debts, no matter what collectors say -- A reader's parents are delinquent on an old bill for her private grade-school tuition. Now that she's an adult, collectors are coming after her for payment. Our expert advises her what to do. ... (See Minors and debt)

CreditCards.com weekly survey: Interest rates jump following Capital One APR hikes -- Interest rates on new credit card offers offers jumped this week, after Capital One increased rates on seven of its cards. ... (See Rate report)

CreditCards.com weekly survey: Interest rates fall after Sony Card returns -- Credit card interest rates fall this week after the Sony Card made its return ... (See Rate report)

CreditCards.com weekly survey: Interest rates remain unchanged for second-straight week -- Credit card interest rates held steady this week at their lowest levels since mid-May ... (See Rate report)

Credit card interest rates unchanged despite NFL card's return -- Interest rates on new credit card offers were unchanged, according to the CreditCards.com Weekly Credit Card Rate Report, following the return of the NFL Extra Points Rewards credit card. ... (See Rate report)

6 steps for handling your 1st credit card wisely -- A reader just got her first student credit card and wonders what to do with it once she's "done" with it. Our expert tells her, but not before offering some tips for using her card wisely. ... (See First credit card)

Capital One's moves send credit card interest rates falling -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after Capital One introduced lower rates on several of its cards. ... (See Rate report)

QA with Zac Bissonnette, author of 'Debt-Free U,' a book of advice on student loans -- Author Zac Bissonnette argues that the risks inherent in college loans far outweigh any benefit of a degree from a big-name school ... (See "Debt-Free U" Q&A)

Interest rates stay steady, but 59.9 percent APR reappears on First Premier card -- The national average interest rate on new credit card offers was unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, even as one issuer reintroduced an extremely high rate. ... (See Rate report)

Credit CARD Act begins final phase -- Gift card protections, requirements for reasonable fees and mandatory account reviews when interest rates are hiked are among the new consumer protections in Phase III of the Credit CARD Act of 2009. ... (See Credit CARD Act of 2009)

Wells Fargo interest rate increase sends credit card APRs higher -- Interest rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, after Wells Fargo increased the rate on a card ... (See Rate report)

4 steps to settling privately funded student loans -- A reader has defaulted on private education loans and wonders what his options are. Our expert offers some key steps he can take to ease his burden ... (See Student loans)

Help for bad credit: Young adults -- Young people make lots of mistakes. Unfortunately, credit mistakes don't fade into obscurity after college graduation in the way that embarrassing party stories do ... (See Help for bad credit: Young adults)

Credit card lending standards loosen for 1st time in 3 years -- It got easier to get a credit card in the second quarter of 2010, according to data released by the Federal Reserve on Monday ... (See Survey)

Capital One APR decrease sends credit card interest rates to 3rd drop in 4 weeks -- Interest rates on new credit card offers fell for the third time in four weeks, according to the CreditCards.com Weekly Credit Card Rate Report, after Capital One lowered the rate on a card product. ... (See Rates)

Amid economic uncertainty, Federal Reserve leaves interest rates alone -- Amid signs that the economic recovery is in doubt, the Federal Reserve on Tuesday kept interest rates unchanged, leaving the majority of credit cardholders protected from sudden increases in their annual percentage rates ... (See Fed)

A tattoo? Waxing? Teens, parents at odds when shopping for back-to-school supplies -- Parents may be opening their wallets more while back-to-school shopping, but teens aren't happy with what they are buying. ... (See Back-to-school spending)

Interest rates fall after Walmart card makes online return -- Interest rates on new credit card offers fall after G.E. Money brings back its Walmart Discover card. ... (See Rates)

Erica Sandberg: Is a balance transfer credit card right for you? -- A reader has $6,000 in debt on a high-interest credit card. She's considering getting a low-interest balance transfer card, but is right for her? Our expert gives her the scoop. ... (See Balance transfer)

Interest rates rise after Chase adjusts card offer -- Credit card interest rates increased following Chase's adjustment of a card offer. ... (See Rate report)

3 steps to take after destroying mom or dad's credit -- A son who did major damage to his father's credit wants to make things right. Our expert gives advice on how to get his credit -- and his relationship with his dad -- back on track. ... (See Repairing credit)

Credit card contracts unreadable for most Americans -- A CreditCards.com analysis of the contracts filed in a federal database shows most can't comprehend the agreements their credit card issuers send them ... (See Unreadable card agreements)

10 wordiest credit card agreements -- Of all the credit card contracts posted online in a new Federal Reserve database, these droned on the longest, according to a CreditCarsds.com analysis ... (See Credit card agreements)

10 most unreadable credit card contracts -- Of all the credit card contracts posted online in a new Federal Reserve database, these were the 10 most unreadable, according to a CreditCards.com analysis ... (See Unreadable card contracts)

10 most readable credit card agreements -- Of all the credit card contracts posted online in a new Federal Reserve database, these were the 10 most readable, according to a CreditCards.com analysis ... (See Credit card agreements)

Credit card Interest rates fall for first time since May -- Credit card interest rates fell last week for the first time in more than two months, according to CreditCards.com's Weekly Rate Report. ... (See Rate report)

Take these steps to repair your credit after ID theft by parent -- A parent steals a kid's identity. It's an all-too-common story, but with patience and discipline, it can be overcome if it happens to you. ... (See Identity theft by parents)

Making a budget? Break down the 'Big 4' expenses first -- A debt-laden, recent business school graduate wants to trim some expenses to help pay his student loans. Our expert says the key is consider the four biggest areas of expense first ... (See Big 4 budget)

Credit card interest rates hold steady for 2nd straight week -- Interest rates on new credit card offers were unchanged for the second straight week, as banks left their card products alone. ... (See Rate report)

Co-signing your kid's credit is great, unless it endangers your credit -- A mom is considering co-signing on a credit card for her 18-year-old daughter. Our expert says that while helping your family is noble, it's important to do so with great caution ... (See Co-signing credit for a child)

Credit card interest rates end five-week run of increases -- The streak is over. Last week, for the first time in more than the month, the national average interest rate on a new credit card offer did not increase, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Interest rates advance for fifth consecutive week -- Credit card APRs increased for the fifth straight week, the longest increase in nearly three years. ... (See Rate report)

Credit card interest rates rise for fourth straight week -- Interest rates on new credit card offers tiptoed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, marking the fourth consecutive weekly increase. ... (See Rate report)

3 reasons not to co-sign for college students' credit cards -- The Credit CARD Act makes it harder for students under 21 to get credit cards. Thus, a 21-year-old student wants to charge his classmates to have him co-sign on a credit card. Our expert explains why this is a really bad idea ... (See Co-signing student)

Dads can be better financial role models -- While many of us learn how to manage our finances from our parents, they're not always the best role models, according to a new survey. ... (See NFCC survey)

Capital One move pushes APRs higher for 3rd straight week -- Another week brought with it another interest rate move by Capital One, sending credit card APRs still higher. ... (See Cap One)

Cap One's moves push credit card interest rates higher -- Interest rates on new credit card offers surged higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, following card adjustments by Capital One. ... (See Rates)

Capital One's rate hikes send credit card interest rates higher -- Interest rates on new credit card offers rose this week, according to the CreditCards.com Weekly Credit Card Rate Report, spurred by rate increases from Capital One. ... (See Rate report)

Are you stuck with bigger-than-expected bar bill? Depends -- A reader wants to know if he's on the hook for a higher-than-expected bar tab on his credit card after a night of partying with his friends ... (See Credit card bar tab)

Credit card interest rates remain unchanged -- Interest rates on new credit card offers were unchanged this week, according to the CreditCards.com Weekly Credit Card Rate Report, after banks largely refrained from adjusting their card offers. ... (See Rate report)

8 steps toward recovering from youthful money mistakes -- A reader wants to pay off her card debts before going back to school. Our expert lays out an eight-step plan to help her do just that ... (See Pay off debt)

Nonactivated cards can still impact a credit score -- A credit card that hasn't been activated may represent a security threat, but in the calculation of your credit score, an inactive card account's existence -- or its closure -- isn't treated differently than any other credit card ... (See Inactive credit card)

Without co-signer, minor's debt likely off-limits to collectors -- A reader could no longer make payments on a card he got when he was a minor and is now dealing with collections and even a possible wage garnishment. But given his age when he signed, is the debt his responsibility? ... (See Minors and credit)

The Credit CARD of 2009 turns 1: A year-long look at the landmark legislation -- What a difference a year makes. One year ago this week, President Obama signed historic legislation revamping how Americans acquire, use and pay for credit cards. Use this time line to view key developments affecting credit card users and their accounts. ... (See CARD Act)

Congratulations, graduate! Now, do you have a post-graduation debt plan? -- Graduating from college this spring? You're probably taking more with you than your diplomas and a futon. The class of 2010 has debt, and a lot of it ... (See Graduate from student debt)

Credit card interest rates' slide continues -- Interest rates on new credit card offers declined for a record fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report, after Citi lowered rates on a card product. ... (See Interest rates)

Charge card vs. credit card: What's the better choice? -- A student with excellent credit wants a second credit card. Our expert lays out her options. ... (See Charge vs. credit)

Teaching kids good money habits by example -- You can tell your children whatever you want about money, but what they see you doing with it will make a lasting impression ... (See Money habits)

How to rent a home if you have bad credit: In recession, landlords become flexible -- Your landlord might not care about your bad credit as much as you think. With the recession and high vacancy rates, these steps can help you persuade the manager to overlook your score and let you rent ... (See Renting with bad credit)

5 steps to tackling debt while unemployed -- An unemployed reader is deep in debt and desperate. Our expert offers five tips for getting herself back on track ... (See Paying off debt)

3 reasons young homeowners may get turned down for loans -- A reader who recently bought a house also wants to buy a motorcycle, but he's frustrated that he can't get a loan. Our experts preaches patience and the virtues of budgeting wisely ... (See Loan rejection reasons )

How to read, understand your credit card statement -- A lot of work goes into something no one likes to see: a credit card bill. This interactive guide breaks down how yours should look and what it must contain ... (See Card statements' new look)

CARD Act didn't stop flow of credit card offers mailed to young adults -- Parents and young adults around the country may wonder why they are still getting mail offers nearly eight weeks after major portions of the CARD Act took effect. ... (See CARD Act)

Interest rates fall as issuers modify credit card offers -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after issuers tweaked the rates on several card products. ... (See Rate report)

Minors likely bear moral -- not legal -- responsibility for fraudulent debts -- Legally, minors likely bear no responsibility to repay credit card debts -- even if built up fraudulently. Morally? That's an entirely different matter. ... (See Minors and credit)

Bad credit card issuer's moves send interest rates lower -- Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, after subprime issuer Credit One tweaked some of its card offers ... (See Rate report)

How the Credit CARD Act will affect types of credit cards -- The Credit CARD Act has pushed card issuers to make big changes -- and some types of credit cards will be impacted more than others. We look at each type. ... (See Card law impact)

8 games that clarify credit for kids -- Kids learn best from experience, which is why financial games aimed at teaching fiscal responsibility can make a boring topic fun. ... (See Play debt)

Parents' 5 other card choices for college-age children -- The plastic payment card choices for parents of young adult children changed since new law shuffled the deck. ... (See College)

Capital One's business card moves send interest rates higher -- Interest rates on new credit card offers rose this week, according to the CreditCards.com Weekly Credit Card Rate Report, spurred by changes in Capital One's business card offerings. ... (See Rate report)

Want to boost your credit? Co-signing with parent still an option -- Young people looking for a credit boost can still co-sign with their parents, even with the passage of the Credit CARD Act. In fact, if the young adult doesn't have his own source of income, it might be his only choice. ... (See Credit)

Credit card agreement from your issuer -- Federal law requires credit card issuers to post their agreements; find yours from this list. ... (See Agreements)

Credit card interest rates fall after Wells Fargo cuts APRs -- In what it called a "competitive pricing" move, Wells Fargo drove down the average rates on new credit cards this week by lowering the rates on four of its credit cards. ... (See Rate report)

Putting off dealing with debt problems will only make them worse -- Our expert tells a struggling college student to stop avoiding her debt problems or they will only get much worse. ... (See Debt)

Piggybacking's just one step en route to a better credit score -- Borrowers who want to boost their credit scores need to examine their own credit reports first before becoming authorized cardholders on other accounts. ... (See Piggyback)

Credit card interest rates jump, approach record highs -- Credit card interest rates reached their second-highest level on record after U.S. Bank raised rates on several of its cards. ... (See Rate report)

3 easy steps to simplify your financial life -- Sick of living in financial chaos? Get it all under control without outside help. Here are three steps to get you on your way. ... (See Chaos)

Interest rates fall as 59.9% APR credit card goes away -- Interest rates pulled back from record levels this week, although cardholders may not have much reason to cheer. ... (See Rate report)

3 ways to rebuild your credit after wage garnishment -- Consistent, timely student loan payments made via wage garnishment don't reflect positively on a credit report. But there are a few steps you can take to improve your standing. ... (See Rebuild)

Interest rates surge higher as credit card reform arrives -- Banks jacked interest rates to record levels this week, getting in their final licks against consumers ahead of the new credit card regulations. ... (See Rate report)

How to clear a minor of responsibility for card debt in 5 steps -- A worried grandparent wants to know how she can make sure that her grandson isn't held liable for debt on a credit card that his mother got in his name. ... (See Fraud)

Video: White House town hall on credit card reform -- Austan Goolsbee of the President's Council of Economic Advisers answered questions on Feb. 22 about credit card reform and what it means to you. The questions were both submitted live and in advance through CreditCards.com. ... (See Town hall)

Video: New card law changes relationship between colleges, issuers -- The Credit CARD Act changes the once-secret agreements between card issuers and colleges by requiring schools to report any deals they make with card companies to the Federal Reserve Board. ... (See Campus)

Interest rates edge lower just ahead of CARD Act implementation -- With the Credit CARD Act's implementation just days away, experts say competition for prime borrowers may help keep rates steady. ... (See Rate report)

Once secret credit card-college marketing deals to be revealed -- The credit card reform law requires disclosure of the highly lucrative agreements under which colleges were paid to let card issuers market their wares to students, alumni. ... (See Deals)

Era of readily available credit cards for young adults ends -- Students, once coveted by card issuers, now have fewer choices for obtaining credit. ... (See Era)

Video: Big changes coming to bad-credit credit cards -- The new credit card law -- much of which takes effect on Feb. 22 -- has provisions that protect people with bad credit. Specifically, the law limits fees on subprime credit cards. What other changes will the law bring for those with poor credit? ... (See Bad credit)

White House to answer consumer questions about Credit CARD Act -- The White House will answer Americans' questions about the new credit card reform law during a live online town hall at 2 p.m. EST Feb. 22. ... (See White House credit card town hall)

Young adults slow to spot ID theft, survey shows -- The latest identity theft poll from Javelin Strategy & Research shows that despite their Web savvy, so-called millenials -- young adults between 18 and 24 -- take longer than other age groups to identity and resolves instances of ID fraud. ... (See Fraud)

3 common credit mistakes -- and how to fix them -- One credit mistake can easily lead to another and to another, as one reader found out the hard way. Her mistakes were common -- and easily avoidable. ... (See Mistakes)

Consider these options before co-signing for a card -- Considering co-signing for your son or daughter's credit card? Know that if you do, you'll bear as much legal responsibility for paying that debt off as he or she will. ... (See Co-signing)

Piggybacking is still an option, but proceed with caution -- If you're looking to help boost a FICO score, piggybacking as an authorized user on a spouse's credit card account remains an option. But if you're looking to pay to do it, you might be out of luck. ... (See Piggybacking)

Choose a credit card that matches your life stage -- Your finances change as you march through stages of life; shouldn't your credit card choice change, too? ... (See Life)

No change in credit card APRs this week -- Credit card interest rates were unchanged this week, as banks paused after pushing rates to heights not seen in more than two years. ... (See Interest rates)

Get help ASAP when debt leads to suicidal thoughts -- Debt, no matter how high, is never a reason to end one's life. If credit card debt has spawned thoughts of suicide, get help from friends, family or professionals. ... (See Help)

Looking to disappear? Deleting your credit history is far from easy -- Erasing your existing credit report is nearly impossible, although you can try to delete parts of your borrowing history. ... (See Erase)

How credit card reform impacts young adults under 21 -- Card issuers won't be able to pounce on young adults any longer with offers of freebies for a credit card application. There's a trade-off, though -- young adults will see their access to credit sharply curtailed. ... (See Credit CARD Act of 2009)

Interest rates keep rising as credit card reform looms -- As new credit card legislation draws closer, interest rates continue to rise, according to CreditCards.com's Weekly Rate Report. ... (See Credit card interest rates)

Think twice before lending your credit card -- or it will cost you big -- If you let someone -- such as your underage daughter -- borrow your credit card, watch their spending carefully. If they go overboard, you're likely responsible. ... (See Beware)

Credit card interest rates hit highest level since 2007 -- The holiday from rate hikes has ended -- in a big way. Interest rates on new credit card offers skyrocketed this week to their highest levels since October 2007, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Fed issues final Credit CARD Act rules -- The Federal Reserve issued final rules implementing the second phase of the credit card reform law. They are the most significant changes in credit card laws in decades. ... (See Credit CARD Act of 2009)

New arrivals to U.S. need to rebuild credit history -- Credit history from a foreign country won't follow you to the United States, although existing financial relationships can help you begin to build a U.S. credit history. ... (See Rebuild)

Cardholders' mistakes can bring down authorized users' credit score -- When you're an authorized user on someone else's credit card account, you pay the price for other's credit mistakes. Luckily, you can take steps to minimize the damage. ... (See Piggybacking)

Personal finance predictions for 2010: Your kids -- The CARD Act crackdown on campus card promotions will likely have a chilling effect on how young adults obtain credit. ... (See Predictions)

New Year's personal finance predictions for 2010 -- You'll change the ways you and your family will spend, borrow and save, experts predict. ... (See 2010)

Credit card rates dip again, but more hikes likely coming soon -- Interest rates on new credit card offers declined slightly this week, although experts say that dip doesn't mean cardholders should expect borrowing on plastic to get cheaper anytime soon. ... (See Rate report)

Credit card interest rates keep climbing higher -- Interest rates on new credit card offers climbed higher this week, according to the CreditCards.com Weekly Credit Card Rate Report, as banks continue to charge cardholders more to carry a balance. ... (See Rate report)

Credit card interest rates continue moving higher -- Credit card interest rates jumped slightly again this week, as banks continued to make it more and more costly for consumers to use their plastic. ... (See Rate report)

Credit card interest rates unchanged after holiday -- Credit card issuers took a holiday from raising interest rates this week, as experts began to see signs that consumers' access to credit may be starting to ease. ... (See Rate Report)

BofA rate hikes push national average credit card APR higher -- Annual percentage rates on new credit card offers rose slightly this week, according to the CreditCards.com Weekly Credit Card Rate Report, as Bank of America increased rates on two of its cards. ... (See Rate report)

Credit card APRs fall sharply, but you shouldn't get too excited -- Annual percentage rates on new credit card offers fell sharply this week, according to the CreditCards.com Weekly Credit Card Rate Report, but don't expect your APR to drop, too. ... (See Rate report)

Credit card rates' ascent shows no sign of slowing -- It just keeps getting more and more expensive to be a credit card holder -- and analysts say there's little change in sight. ... (See Rate report)

Minors seeking a credit card will need a helping hand from mom and dad -- A 16-year-old reader wants to know how she can get her own credit card. The answer: with a little help from mom or dad. ... (See 16)

Rates steady this week, but banks keep tweaking other terms -- Banks may have left rates unchanged this week, but they nevertheless made some changes behind the scenes that could impact cardholders' pocketbooks ... (See Rate report)

Credit card interest rates push higher again -- APRs on new credit card offers inched up to 12.64 percent this week, says the CreditCards.com Weekly Credit Card Rate Report. This continues recent trends of rising interest rates this year, as banks continue to make moves ahead of a new card law. ... (See Rate report)

Credit card rates flat as banks look for other ways to boost profits -- Interest rates may be flat, but don't cheer yet: Banks are simply shifting their money-making strategies, experts say. ... (See Rate report)

Getting an iPhone, other fancy cell phone? Mind that other number: your credit score -- If you want to get the latest iPhone or other fancy cell phone, you may find your credit score is a key number. A bad one turns your phone into an expensive connection. ... (See Dialing dollars)

Credit card APRs fall slightly, reversing recent rate-hike trend -- Credit card interest rates dropped slightly this week, after several banks made a commitment to abstaining from additional rate hikes. ... (See Rate report)

Act fast to remove authorized users when your credit goes south -- Authorized users on your credit card account suffer when your credit hits the skids. Our expert shows how to remove those users to minimize the damage. ... (See Bad credit)

Major issuers' rate hikes send national average card APR higher -- Several credit card issuers raised interest rates this week, driving the national average annual percentage rate on new credit card offers upward for the third straight week to 12.64 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

American Express boosts national average credit card interest rate -- American Express this week raised annual percentage rates on several of its card offers, pushing the national average APR higher for the third time in four weeks. ... (See Rate report)

Credit card marketers drop out of college campuses -- Fall 2009 is card issuers' last unfettered chance to sign up students. Rather than give an all-out marketing blitz in its last chance, issuers pulling back. ... (See College)

Piggybacking, meant to jump-start credit, can backfire -- Becoming an authorized user on a parent, guardian or other adult's credit card account can have pitfalls as well as rewards ... (See Piggybacking)

College students love, hate new credit card law -- College students across the country praise and condemn a new law that will restrict issuing credit cards to anyone under 21 beginning in February 2010. ... (See Credit CARD Act of 2009)

See what students across the U.S. say about changing credit card rules on campus -- Young adults will see their access to credit due restricted due to the Credit CARD Act of 2009; we surveyed campuses to see how students say it will affect them. ... (See Credit CARD Act of 2009)

Credit cards and college students: How new law changes marketing, access -- Credit cards and college students: How new law changes marketing of, access to credit cards for young adults. ... (See Credit CARD Act of 2009)

Fed: Credit card issuers, stay far away from college campus -- Under newly issued federal regulations, card issuers have to stay at least 1,000 feet away from campus. ... (See College)

Alternative ways for students to build a credit history -- The minimum age to qualify for a credit card will soon increase, requiring that students under 21 find new ways to develop positive credit histories. ... (See Student credit)

FAMU students sound off about new credit card law -- Credit cards are necessities for many on campus, students at Florida A&M University say. But others say they don't want the temptation the plastic can bring. ... (See FAMU)

Penn State students speak out about new credit card law -- Most students interviewed at Penn State University think the new laws will benefit people under 21 years of age, though some wondered whether there were exceptions to the rules. ... (See Penn State)

University of Texas students differ on new credit card law's worth -- Opinions on the new credit law varied among University of Texas students. Co-signers shouldn't be needed, some say, though others applauded the new law's restrictions, saying it would make students more responsible. ... (See Texas)

Arizona State University students sound off about new credit card law -- When asked about the new credit card law and how they manage their own credit, some students at Arizona State University said see credit cards as a step toward full adulthood. Others, however, worry about responsibility and debt. ... (See ASU)

University of Missouri students sound off on new credit card law -- Some welcome the added oversight the law gives young adults, others say show me the benefits to giving up financial independence. ... (See Mizzou)

Southern Cal students opine on new credit card law -- USC students have seen parents and friends handle, and mishandle, their cards. Those students say that if the law means fewer people get in trouble with their cards, all the better. ... (See USC)

Emory students debate new credit card law: Helpful or just intrusive? -- Emory University students are split on the Credit Card Act. Some say that it'll help students be more responsible, but one says they don't want or need anyone to 'play mom.' ... (See Emory)

Butler University students give views on new credit card law -- Butler University students say the new credit card law is a double-edged sword. It limits students' financial choices while attempting to save students from themselves. ... (See Butler)

IUPUI students see good and bad in new credit card law -- Credit card law's limitations sets some students at ease at Indiana University-Purdue University Indianapolis, though some are wary of those restrictions. ... (See IUPUI)

Notre Dame students' opinions vary on new credit card law -- Students from the University of Notre Dame see both good and bad in the new law limiting young adults' access to credit cards. Some say it promotes responsibility, while other college students say it just treats them like kids. ... (See Notre Dame)

University of Miami students discuss new credit card law -- Students from the University of Miami give their views on the 2009 credit card law that will restrict young adults' access to cards. Some say it'll help keep young people out of debt. Others say it'll just make things harder on them. ... (See Miami)

Videos: Students react to new laws limiting their access to credit cards -- We talked to college students at the University of Texas at Austin and the University of Missouri to get their reaction to new laws restricting their access to credit cards. Their opinions varied widely. Click through to see their reactions. ... (See Videos)

Fed: Want a credit card? Prove you can pay the bill -- In an 800-page document released Sept. 29, 2009, the Fed lays out rules that require credit card issuers to confirm borrowers' ability to pay ... (See Fed: prove ability to pay credit card )

APRs rise, even after Fed leaves rates unchanged -- The Federal Reserve chose to leave lending rates unchanged earlier this week, but credit card issuers didn't follow suit. ... (See Rate report)

Credit card rates steady as banks struggle with uncertain economy -- Amid mixed economic signals, banks kept interest rates unchanged on credit cards offers this week at 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Credit card video: How many students have cards? How do they use them? -- College is a time when many young people are first introduced to credit cards. In this video sampling of students, some enjoy the advantages cards offer, others fret about debt traps. ... (See Video)

After a pause, credit card interest rates resume upward march -- After staying flat the previous week, the national average interest rate on new credit card offers rose to 12.28 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

How to safely, securely destroy a credit card: 6 tips -- With credit card fraud and identity theft on the rise, a single scissor snip won't cut it anymore. ... (See Destroy)

'Pay for grades' movement stirs passions among teachers, parents -- The 'pay for grades' movement has spread from urban cores to affluent middle-class cities around the country, with supporters and opponents squaring off in equal measure over its effectiveness. ... (See Students)

Credit card APRs steady, though banks are tweaking other terms -- Even as banks continue to tinker with their business models in reaction to new credit card legislation, the national average annual percentage rate on new credit card offers was unchanged this week at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

After run of rate hikes, banks leave APRs unchanged -- Banks paused this week following a recent run of interest rate increases, leaving the national average annual percentage rate on new credit cards unchanged at 12.17 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

Study: Prepaid cards full of hidden dangers -- Though touted as a way to stay debt-free, the use of prepaid cards may subject consumers to high fees -- and the money may not be safe. ... (See Fees)

Consumers gain right to opt out of credit card rate increases -- The first phase of the new Credit CARD Act of 2009 kicked in Aug. 20, lengthening notice requirements to 45 days and giving consumers the right to opt out of rate increases. ... (See Law)

Credit card APRs jump for 4th time in 5 weeks -- Following a brief pause last week, the national average annual percentage rate on new credit card offers rose for the fourth time in the past five weeks to 12.06 percent, according to the CreditCards.com Weekly Credit Card Rate Report. ... (See Rate report)

After weeks of increases, credit card APRs finally stand still -- Ending a streak of three straight weekly APR increases, the national average interest rate on new credit card offers held steady this week, according to the CreditCards.com Weekly Credit Card Rate Report. Just don't expect it to last. ... (See Rate report)

Credit card APRs rise for third straight week -- Borrowing money on a new credit card continues to become increasingly expensive, as banks work to protect themselves from a weak economy. ... (See Rate report)

Credit card interest rates keep moving higher -- The cost of using credit cards continues to rise, giving consumers yet another reason to keep their plastic in their wallets. ... (See Rate report)

Download a sample credit card contract for parents, young adult children -- This downloadable contract between parents and their young adult children about credit card use can be a starting point for talk about co-signing for a credit card. ... (See Sample credit card contract)

Credit card interest rates rise ahead of new law -- Regulations plus recession make card issuers pull the APR trigger and hike cardholders' rates. ... (See Rates rise)

CreditCards.com's Weekly Rate Report: Rates barely lower -- The national average annual percentage rate on new credit card offers edged barely lower this week, according to the CreditCards.com Weekly Credit Card Rate Report, but analysts expect interest rates to rise in the not-too-distant future. ... (See Rate report)

Credit Card Help: 10 ways students can build good credit -- A good credit score is more important than ever, and experts say following these 10 steps can put a student on the right credit path ... (See Students build good credit)

How Dad affects your debt, financial decisions -- New research finds that a father's advice, or lack of it, influences their children's money behavior later. ... (See Dad)

CreditCards.com's Weekly Rate Report: Rates unchanged -- Credit card interest rates didn't move this week, but experts say recently introduced laws and an eventual economic recovery likely mean higher credit card APRs in the not-too-distant future. ... (See Rate report)

New law bans card payment allocation trickery -- If you use your credit cards for balance transfers or cash advances in addition to making purchases, your credit card payments will soon go further, starting in February. ... (See Payments)

6 tools to help parents teach kids about money -- In these economically challenged times, more parents are looking for ways to help teach their kids how to handle money. Fortunately, there's a wealth of tools -- online and off -- to help them get the job done, regardless of the age of their offspring. We take a look at several of them. ... (See Help)

No more free pizza? Law will alter cozy relationship between credit card issuers, colleges -- New credit card legislation will change the cozy relationships between banks and colleges -- and mean less free pizza for students. ... (See Students)

Your keys to getting in the 700+ credit score club -- Having good credit pays -- in dollars and cents. In an ever-tightening credit market, having a solid credit history with a credit score well over 700 will open doors to money-saving opportunities ... (See Club)

Keep that first credit card after you've paid off your debts -- A taste for free food or gifts has lured many a college student into credit card debt. But when that debt is paid off, should you cancel that card or keep it around? ... (See Opening Credits)

Organizations launch sites to promote financial literacy -- As budgets tighten, bankruptcies mount, and students accrue massive debt, several consumer and banking groups have stepped in to help with new financial educational tools. ... (See Tools)

Encourage, teens, other children to learn good savings habits -- An early interest in saving money is to be commended! It gives children a head start on a lifetime of good financial habits. ... (See Savings)

Sallie Mae study finds undergraduates relying heavily on credit cards -- With the recession deepening and tuition skyrocketing, college students are looking to their credit cards and amassing debt at record levels, according to a study by Sallie Mae. ... (See Sallie Mae study)

Credit card authorized users, joint account holders: Know the difference -- The differences are significant between authorized users and joint account holders -- especially in payment responsibilities. ... (See Opening Credits)

7 tips for starting a credit history amid an economic crisis -- In today’s rocky economy, those seeking credit for the first time must adopt new strategies, think creatively. ... (See Starting a credit history during an economic crisis)

Credit card video: A look at student credit cards -- CreditCards.com editors Dan Ray and Connie Prater talk about student credit cards. ... (See Student credit card video)

Credit card video: Benefits of having a credit card -- College students discuss the benefits of owning a credit card, including convenience, as a backup source of money and for dealing with emergencies. ... (See Credit card benefits video)

Credit card glossary terms to know for first-time card users -- Ready for your first credit card? Before you start charging, here are credit card terms that will help you become a responsible credit card user. ... (See First credit card)

Credit card glossary terms to know for when you marry -- Getting married is more than combining kitchen appliances, it's also combining finances. ... (See credit card glossary)

How finance experts advise teens about money -- We quizzed parents who have financial backgrounds on what money advice they would give to other parents with teens and money situations ... (See Finance experts' sage advice to their teens)

Credit card statistics, debt statistics, industry facts -- Credit card statistics, surveys and research from a variety of sources, all cited, making fact-checking and research easy ... (See Credit card statistics)

Your monthly credit card statement gets a makeover -- Credit card issuers have begun to roll out new monthly statements to their customers. The makeovers were required by new federal rules that take full effect July 1, 2010. ... (See Changes)

Student credit card issuers losing their welcome on campus -- Despite the big money many colleges earn from making deals with card issuers, some schools and states are clamping down on giving banks access. ... (See Unwelcome)

Tips for college students considering credit cards -- Consumer advocates and college officials offer advice to students who may not be familiar with the world of credit cards ... (See Credit)

Protecting your children from identity theft -- Since years can pass before their crime is detected, identity thieves increasingly target children. ... (See Child ID theft)

Step-by-step guide to checking your minor child's credit -- If there are indications your child's identity has been stolen, these steps will help you successfully contact the credit bureaus to check. ... (See Identity theft)

7 tips for handling your first credit card -- When college students and credit cards mix, the results can be troubling. Here are seven helpful hints to keep yourself or your kids from falling quickly into the debt trap. ... (See Tips)

Authorized user piggybacking: When should the credit ride end? -- Young people who ride their parents' credit scoring coattails through 'piggybacking' eventually need to go out on their own credit paths -- but carefully, experts say. ... (See Piggybacking)

Don't hide credit woes from children, family -- How much should you tell your children about your financial difficulties? Experts say parents should let children know when the family is facing hard times, and maybe get the kids to help out. ... (See Money woes and kids)

Why students pay for college with credit cards, tips to avoid -- When money gets too tight for tuition, a growing group of students and their families break out the plastic. ... (See Cut card use)

As private college loans dry up, students may turn to credit cards -- Students facing a 'perfect storm' of tight job market and fewer available loans may have to turn to credit cards to fund their studies. ... (See Charge it)

Treasury, Ad Council team up to promote credit smarts among young consumers -- New educational campaign targets younger consumers with the message: Take control of your credit and personal finances. ... (See Control your credit)

Review the new interactive credit card game -- CreditCards.com asked young consumers to review a new interactive game designed to educate 18- to 24-year-olds about credit and personal finance. ... (See Credit)

Pregnancy or paying down debt? How to fit a baby into your financial future -- Your heart -- or your ticking biological clock -- says it's time to have a baby. Your credit card bill, however, may be saying something else. ... (See Debt or diapers)

When is the right time to retire a student credit card? -- If your student credit card has a low credit limit and high interest rate, you should look to graduate to a better card. ... (See Card graduation)

10 ways students can protect against identity theft -- Campuses are often a young adult's first step away from the safety of home, so they need to raise their technological guard. ... (See Protect thyself)

Back-to-school credit card advice for students, parents -- Tips for financing the school year, dealing with credit wisely and learning how to finance post-graduation life. ... (See Credit education)

Protect your computer -- and your identity -- on campus -- Students heading to college need to take precautions to protect their computers and smartphones, and the sensitive information they contain ... (See College ID safety)

How Americans pay for college: A lot of borrowing -- Credit cards are rarely used to pay college costs, a new survey says, and when they are, it's mostly out of desperation. ... (See College credit)

Fed leaves rates unchanged; card rates to stay put -- The Federal Reserve, as expected, left a key interest rate unchanged. ... (See FOMC)

Rent a car with debit card or cash? Expect to try harder -- A CreditCards.com survey of 45 car agencies across the U.S. finds you can rent a car without a credit card, but you have to jump through more hoops. ... (See Car rental)

More colleges offer courses in money, debt management -- Basic personal finance is not typically on the short list of required college courses, but universities are realizing that the more they teach students how to manage their money now, the more prepared they are to ward off debt in the future. ... (See students learning debt management )

Adulthood, legal rights and credit cards: Turning 18 with a credit card -- At 18, young adults can apply for credit. Can you -- or your teenage son or daughter -- handle it? ... (See Student credit)

Lunch money goes cashless in many school cafeterias -- Getting your lunch money stolen is so 20th century. Today's school students pay for school lunches with ID cards and fingerprint scanners. ... (See Cashless payments)

When a child obtains a credit card, who's liable for debt? -- A 15-year-old charges up $2,000 in credit card debt. Her parents wants to know who is responsible for paying off the balance. ... (more)

Are you smarter about credit cards than a fifth grader? -- You may be surprised at how closely a child's view of the credit card world comes to the actual way plastic works -- as opposed to the carefree convenience touted in most credit card television commercials. ... (See Credit card smarts)

Cashless campus 2.0: Student IDs evolve into multiuse payment systems -- Today's student ID cards open doors to dorms and labs, earn discounts with local merchants, sub-in for loose change at vending and copy machines, and even help with the laundry. ... (See Cashless payments)

3 must-ask questions for multiuse campus / student ID cards -- Campus cards, like anything involving money, are not free from potential pitfalls, and the cards' fees and policies can be as different as Buckeyes and Wolverines. ... (See Campus debit cards)

Top 10 ways students ruin their credit -- College can be a great time to enjoy independence and build a foundation for the future, or an opportunity to begin their careers with unnecessary credit card debt. ... (See Student credit)

Students universities fees credit card processing costs -- With tuition costs rising and credit tightening, more students are opting to pull out the plastic to pay for their classes. Not all colleges like it. ... (See Tuition payments)

Preparing kids for credit card management -- Individuals younger than 18 must have the permission of a parent or legal guardian to obtain a credit card -- here are ways to get them started on the plastic path. ... (See Financial literacy)

Trying to thwart recession, Fed cuts rates by 0.75% -- The Federal Reserve, as expected, slashed a key interest rate, but whether that cut will be passed along to individual cardholders depends on the bank, the card agreement and the credit standing of the consumer. ... (See FOMC)

529-linked credit cards help make college more affordable -- New credit cards link to 529 plans and function like cash-back credit cards, putting rebates into a college savings plan ... (more)

How young is too young for credit cards? -- Preparation for wise credit card use should begin early to help children avoid trouble when they can legally apply for cards at 18. ... (more)

Expert Q&A: Budget for debt, but not too tightly -- A recent college graduate saddled with debt needs a spending and paydown plan, but it's bound to fail unless it includes some fun, says The Credit Guy. ... (more)

Disclosures would increase on subprime credit card fees -- Subprime cards carry upfront fees that the Federal Reserve board contends are not clearly disclosed to customers. ... (more)

Regulation Z proposed changes for minimum payments -- Credit card companies and credit issuers would have to tell account holders how long it would take to repay loans if they make minimum payments. ... (more)

Regulation Z amendments would require changes in credit card terms -- Regulation Z amendments would require changes in credit card terms to be displayed in a table for easy reading. ... (more)

Rules for credit card periodic statement disclosures -- Under proposed federal rule changes, monthly credit card statements would include tables to clearly disclose fees, interest, purchases and other details. ... (more)

Credit card reform: The fine print of proposed changes to Regulation Z -- Regulation Z requires creditors to disclose all costs and terms before a new credit card's first use. However, according to the board, "Currently, there are few ... (more)

Regulation Z rules proposed for credit card fee disclosures -- Credit card companies would have to clearly disclose fees charged to credit cardholders. ... (more)

Regulation Z would require credit card APR disclosure rules -- Regulation Z would require credit card companies to clearly disclose APRs. ... (more)

Regulation amendments propose fixed rate credit cards -- Fixed credit card rates would actually be fixed under Regulation Z amendments. ... (more)

Reg Z proposes credit card notice of term changes to 45 days -- Changes in terms of credit card contracts would need 45 days' advance notice. ... (more)

Regulation Z: Feds move to change credit card rules -- The Federal Reserve Board is likely to decide on final credit card disclosure rules in 2008. ... (more)

How the public feels about Regulation Z proposed changes to credit card disclosure rules -- Comments from consumers, credit grantors, payment processors and others on proposed changes to credit card disclosure rules ... (more)

The short, unhappy life of a credit card -- On average, a card lasts must three years before delamination, degaussing or (ulp!) scissors, so CreditCards.com asked one credit card to reminisce about its short unhappy life. ... (more)

Anatomy of a credit card -- Ever wonder what all those numbers mean, or what's on that black stripe? Find out here. ... (more)

Establishing credit for your children -- The demise of so-called 'piggybacking' has closed one avenue to getting kids a credit head start, but there are others. ... (more)

University Credit Card Debt: Graduate students trying to sustain lifestyle -- Graduate students now average $8,216 in credit card debt, according to a new survey, which also says students wish they had learned earlier about handling ... (more)

Defaulting on student loans: Advice from CreditCards.com -- Defaulting on a student loan can have a number of negative consequences, including leaving the borrower with bad credit. ... (more)

For Gen M, pizza's on par with good credit -- The hard work put in by marketers and educators appears to have convinced students that it's important to keep their credit scores up. In fact, ... (more)

Discover cards: Monogrammed student cards provide the ultimate personalized effect -- New Discover cards for students give users the opportunity to fully personalize their credit cards. ... (more)

Transferring student loan to a credit cards makes sense -- occasionally -- Struggling with student loans? Learn the options of transferring to a credit card. ... (more)

Student Credit Cards: Handling debt post-graduation -- How should students handle credit card debt post-graduation? Learn some techniques at CreditCards.com. ... (more)

Prepaid cards: A good option for younger users -- For those under 18, prepaid cards are available. ... (more)

Secured credit cards offer consumers a low-cost way to rebuild their credit -- Secured credit cards offer borrowers access to a line of credit, even if those borrowers don't have good credit histories. Here's how they work. ... (See Secured cards)

Cash allowances best for kids -- Experts recommend a cash allowance for children, rather than just buying them whatever they want or allowing use of a credit card. ... (more)

Credit cards for a student? Parents play a role, too -- Learn how to avoid debt and choose the best credit cards for students ... (more)

Judge starts Credit Abuse Resistance Education to educate young credit card users -- A bankruptcy judge founds the Credit Abuse Resistance Education program dedicated to educating students about fiscal responsibility. ... (more)

Free credit reports offered to 5,000 students -- Visa provided college students with 5,000 free credit scores as part of 'Financial Literacy Month' for April 2007. ... (more)

PAYjr Prepaid Credit Card: Online account access and more -- The Payjr prepaid credit card is a MasterCard lets kids shop, but prevents them from making certain types of transactions. ... (more)

Financial literacy programs promote credit responsibility -- Lenders and universities are creating programs to help students avoid credit card debt by giving them the opportunity to gain financial literacy. ... (more)

Prepaid debit cards for teens control overspending -- Learn how debit cards for teens can be good teaching guides when set with prepaid spending limits. ... (more)

Students' credit cards: Build credit early and responsibly -- Increase in student credit card and debit card use signal changes in preferred payment methods. ... (more)

Credit Cards for Students: What you need to know -- Credit cards for college students are popular. Here are a few things they should consider. ... (more)

How to pick the best student credit card -- Selecting a student credit card must be done carefully for debt protection. ... (more)

Teaching children about credit, debit cards -- If children are going to grow up into financially responsible adults, today's adults need to explain credit and debit cards to them. ... (more)

Sallie Mae Acquisition of Upromise completed -- Sallie Mae completed its acquisition of Upromise on Aug. 23, 2006, joining the nation's top paying-for-college company with the top saving-for-college company. ... (more)

College Student Credit Cards are a Big Concern on Campus -- Studies show college student credit cards affect not only their finances, but their education as well. ... (more)

Credit Cards for Teens: Teaching children about using credit cards -- Your children might be too young to have a credit card, but they should learn about them. ... (more)

Student Credit Cards: New study on their usage -- Student credit cards are a rapidly growing market, with many college students having at least one. ... (more)

No credit credit cards -- No credit history? Learn how to establish credit and get no credit credit cards. ... (more)

Student rewards credit card: Now readily available with great benefits -- Why a student rewards credit card with great benefits is easy to attain these days. ... (more)

College Savings Credit Card: UPromise credit card -- The Upromise credit card leverages everyday credit card spending to apply money toward college ... (more)

Student credit card facts and advice from CreditCards.com -- Find student credit card facts and advice that will help you manage your account at CreditCards.com. ... (more)

Compare student credit cards, debit cards -- College students have two major forms of plastic they can use for spending -- debit and credit. Each has advantages, disadvantages. ... (See Student credit, debit)

Students Credit Cards: Basic tips on building credit -- Read tips on how to build credit on the right foot with students credit cards at CreditCards.com. ... (See Establishing credit)

Online credit card applications: FAQ about CreditCards.com and your card application -- If you're wondering whether it's safe or smart to apply for a credit card here at CreditCards.com, it's both. Here are answers to frequently asked questions ... (more)