Reasons Your Credit Card Application May Have Been Denied
A tough economy and strict government regulations have made it even more difficult for some people to be approved for a credit card. In fact, the number of credit card applications that have been...
View ArticleWill the New iPhone Kill the Credit Card?
Over the last decade or so, mobile payment companies have worked furiously to come up with a more secure way for consumers to do what they do best – spend money. Many of the innovations had great...
View ArticlePotential Regulations to Follow-Up the CARD Act
No matter which side of the fence you’re on regarding government intervention in the financial market, the big question this year is whether we can expect more regulation by the Fed and how it will...
View ArticleCredit Card Companies Now Offering Free Access to Your Credit Score
With so much attention given to the importance of credit scores by all facets of the media, i.e., print, television and online, the results of a 2013 study of 1,022 Americans came as a surprise with as...
View ArticleAn Option to Ease the Fear of Paying Medical Bills
What are Americans to do??? While our healthcare system wasn’t perfect, it was the best in the world and now it’s in such disarray that those who had insurance are now in the position of needing to...
View ArticleAn American Express Benefit for The Holidays
Free shipping is the bait most often used by retailers to lure consumers to their websites during holiday season. For a fee, Amazon.com offers their ‘Prime’ customers that privilege, but for many of us...
View ArticleBefore You Apply For an In-Store Credit Card…
Each year the holiday shopping season seems to come a little bit earlier, with many retailers offering layaway plans and encouraging early shopping months in advance. Even with a budget in place...
View ArticleAnother Positive Report About the CARD Act
An ongoing political debate rages on about whether or not the intervention of the federal government is a necessity or a hindrance to the free market. It gets especially heated when the proposed...
View ArticleCredit Card Benefits for U.S. Military Personnel
The men and women in the American armed forces are often recognized collectively but often go unnamed as individuals. Many are in situations that may call for giving the ultimate sacrifice, while their...
View Article4 Ways to Maximize Your Credit Card Rewards
If you’re like many people, you’re drawn to using a specific credit card by the thought of earning big rewards just for using it for all of your purchasing needs. You use it exclusively for much of...
View ArticleThe Cause of Fluctuating Credit Card Limits
Gone are the days when getting enough credit to buy whatever your heart desired was as simple as filling out a credit card application. It wasn’t unusual for a first time borrowers to be approved for a...
View ArticleStrategies to Win the Credit Card Game
When people find ways to work around long-standing traditions or practices it’s often called “gaming the system.” A good example of this is the credit card industry, which brings in billions of dollars...
View ArticleWhy Credit Card Funds are Placed on Hold
A little known fact about credit cards may come as a surprise when your account has been placed on hold for no apparent reason. It is an untended consequence that results from using your card for...
View ArticleLower Delinquency Rates Great for Consumers
Recent analysis of the credit card markets brought good news to most major lenders by showing a drop in past due credit card payments of at least 30 days. The drop in delinquencies to 2.47% is the...
View ArticleBuilding Credit for Naturalized American Citizens
According to the U.S. Citizenship and Immigration Services (USCIS), more than 676,000 immigrants became naturalized U.S. citizens in 2012. Waiting for the chance to become a citizen requires patience,...
View ArticleCredit Insurance – A Costly Add-On to Avoid
There are several reasons you may be tempted to agree to an insurance policy being offered by your credit card company. Perhaps you’ve run your cards to the max or you’re struggling to make even the...
View ArticleCredit Scores Matter… Even for Non-Borrowers
Financial experts often refer to the importance of credit scores, and for many of us, credit is an important financial tool that impacts our day-to-day lives. It’s a commonly discussed topic financial...
View ArticleSquare Is Changing the Way People Use Credit
The way we pay for goods and services is changing quickly with innovative new services that eliminate real-time bank approvals or the need to open up our wallets. One of the first out of the gate was...
View ArticleCredit Rules Eased for Some Family Members
The Consumer Financial Protection Bureau (CFPB) was established in 2011 to oversee credit cards, mortgages, student loans and other consumer finance issues. One area they oversee is the federal...
View ArticleMajor Credit Card vs. Retail / Store Cards
Although store-branded credit cards and those offered by the major credit card companies are alike in many ways, there are subtle differences that every consumer should know about before opening an...
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