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By host on 12/29/2013 8:39 PM
It won't be long before the credit card bills arrive- here's what to do if you can't pay them off right away.
By host on 12/1/2013 9:16 PM
Make sure you fully understand the terms of store credit cards when it comes time to pay your balance. 
By host on 11/26/2013 5:00 PM

The ramifications of overspending are too costly to ignore. Read this before you start your shopping.

By host on 10/27/2013 5:40 PM

Online Personal Financial Self-Assessment Tool Helps Consumers Plan Holiday Spending

By host on 10/3/2013 8:26 AM
Six in 10 Americans don’t comparison shop for credit cards, according to the Financial Industry Regulatory Authority. If you’re one of them, you could be missing out on free money. That’s because the right plastic combined with the right strategy could earn you free flights, hotel stays and other goodies. For examples, check out the following video from Money Talks News founder Stacy Johnson. Then read on for more information. Leverage your card use and you can really take advantage of some nice perks. Stacy earns points with the American Express Starwood Preferred Guest Card, redeemable for free or discounted rooms at Starwood hotels (W, Sheraton, Westin, Four Points, St. Regis, to name a few) as well as flights on many major airlines. Whether you love to travel or prefer cash back, there’s a rewards card for everyone – well, almost everyone. Who shouldn’t use a rewards card There’s no such thing as a free lunch. Banks offer rewards to entice you to use plastic to pay for purchases. If they...
By host on 10/3/2013 7:57 AM
About a decade ago, when prepaid debit cards were new, they quickly earned a reputation as fee-laden plastic marketed mainly to the “unbanked” or the “underbanked” – people whose credit histories or mistrust of financial institutions made them poor candidates for traditional banking services. While the cards were (usually) an improvement over paying check-cashing services and having to buy money orders to pay bills, the fees were substantial. But if that’s the last you heard of prepaid cards, it may be time to take another look. Large, mainstream banks have gotten into the game – with much more consumer-friendly terms. While some prepaid debit cards still carry high fees, that’s not true of all of them. As a result, these cards have become much more popular, and many parents have found them to be a convenient way to provide an allowance or emergency cash for older kids. But what if you have solid credit and you don’t have allowance-age kids? You still might benefit. Here are some unusual ways a prepaid...
By host on 9/23/2013 7:37 AM
Yet another bank has been ordered to repay customers because of the way it pushed credit card add-on services — in this case identity theft products.
By host on 9/23/2013 7:28 AM
The next time you get an “exclusive” credit card offer in the mail, you’ll have even more reason to laugh.
By host on 9/23/2013 7:25 AM
Can you make thousands in less than an hour? It’s possible, simply by shopping services and interest rates! The links below will help you find a lower cost mortgage, credit cards with better rates and rewards, lower insurance premiums and higher savings rates. Add it all up, and over time, you could be thousands ahead. Most people shop harder for milk than financial products. Don’t be like most people: Start right now with these free tools to save more and spend less!

Step 1: Get Organized The most powerful thing you can do to start saving is to get organized. Once you know where all of your money is going, you’ll be able to get a much better handle on how to keep more of it in your pocket. Click here to find out more.

Step 2: Search Credit Cards...
By host on 9/9/2013 8:54 AM

This post comes from Allison Martin at partner site Credit.com.

Credit is a concept that many Americans struggle with. Although various theories exist, the most effective way to build credit is to make timely payments and keep the balances low.

Here are six common credit myths that you should be aware of:

By host on 7/30/2013 10:25 AM
Credit card debt – it’s something that hangs over many Americans. According to the Federal Reserve, in April 2013 the average credit cards debt equaled $3,364 per U.S. adult.
By host on 7/12/2013 9:41 AM
I get a lot of questions about the best way to get out of debt, but few about the morality of different choices. Here’s a recent reader email that addresses the issue.
By host on 7/2/2013 9:19 AM
A reader wants to get out of a timeshare she says was falsely advertised. If you've ever considered a timeshare, or know someone who has, here's what you need to know.
By host on 7/2/2013 9:11 AM
Credit, schmedit, you might think. But there are some really important money-saving reasons why you should be paying attention to your credit reports and scores.
By host on 7/2/2013 9:05 AM
Estate planning these days has an entirely new component unknown 20 years ago. What will happen to your email, digital docs, music, photos, Facebook, Twitter and other online accounts when you go to your final reward?
By host on 6/5/2013 10:42 AM
Even though it's barbecue season, June will be a bad time to buy a grill or the steaks to throw on it. It's some consolation that June 7 is National Doughnut Day.
By host on 6/4/2013 9:20 AM
Staycations appear to be falling in popularity, and for good reason, we think. Here are some tips to save for a memorable trip away from home.
By host on 6/4/2013 9:18 AM
Filed (or thinking of filing) for bankruptcy? Your financial life isn't over. Here's how to get back on track.
By host on 6/4/2013 9:15 AM
Take it from someone who travels often for work and carries lots of gear: You can still fit everything in one bag.
By host on 6/4/2013 9:11 AM
Is there something you're dying to have but can't afford? For the answer to be no, you don't have to be wealthy.
By host on 5/30/2013 10:13 AM
If you have a great credit score, welcome to the world of credit cards with few fees and big benefits.
By host on 5/30/2013 10:11 AM
Are you a recent graduate? The terrain is already tough enough. Don't make it worse by developing bad money management habits.
By host on 5/30/2013 10:06 AM
Think your new appliance isn't as good as the old one? You might be right. Here's what you can do to minimize the repair cost.
By host on 5/23/2013 9:20 AM
Whether it's better to maintain a balance or pay your credit card off in full each month is one of the most common questions about credit scores.
By host on 5/23/2013 9:19 AM
Experian shares some finding from its analysis of data from 750,000 credit reports.
By host on 5/23/2013 9:17 AM
Getting married? Money could be the reason you end up divorced. Take these steps now and avoid the battles and frustrations later on.
By host on 4/30/2013 7:38 AM
This card can provide a much better rewards program than most student credit cards if you can qualify.
By host on 3/13/2013 8:56 AM
The FTC received more than two million consumer complaints last year, with problems ranging from identity theft to credit card rip-offs. Here are the top 10 problems and simple solutions for each.
By host on 3/12/2013 9:06 AM
The government says what businesses pay to debit card issuers went down substantially after an amendment to the law kicked in.
By host on 3/6/2013 12:01 PM
A quarter also said they had more credit card debt than money in the bank.
By host on 2/25/2013 10:50 AM
This reader has credit cards, but is reluctant to use them – after all, aren't they bad? As it turns out, no. In fact, they can be a consumer's best friend.
By host on 2/11/2013 9:50 AM
A full-time college student wants to know which card is recommended to begin establishing credit.
By host on 1/28/2013 9:57 AM
A 2009 law has saved consumers billions in harsh fees over the past few years.
By host on 1/7/2013 11:48 AM
If you've ever resolved to stay on budget and failed, you probably missed one of these four steps.
By host on 1/7/2013 11:44 AM
Look for deals on fitness gear, HDTVs, laptops, and furniture.
By host on 1/3/2013 10:25 AM
If putting more money in the bank is a top priority for you in the new year, read on for some simple ways to make it happen.
By host on 1/3/2013 10:18 AM
This reader is like a lot of us – making a resolution is easy, but making it happen? Not so much. But whatever your resolutions this year, if they involve money, read this.
By host on 1/2/2013 10:59 AM
Whether you're nearing retirement or years away from it, habitual credit card debt could be ruining your Golden Years. Find out what you can do to fix the problem.
By host on 1/2/2013 10:48 AM
Starting a new calendar year often brings with it some new resolutions
By host on 12/18/2012 11:45 AM

This reader filed for bankruptcy and wonders if a secured credit card will help him rebuild his credit. Here's the answer for him, as well as anyone looking to build, or rebuild, their credit.

By host on 11/26/2012 9:49 AM
Want a higher credit limit? A lower interest rate? Just ask!
By host on 11/19/2012 10:13 AM
One reader asks about what she should know before using a credit card in Europe.
By host on 11/9/2012 10:12 AM
A reader got herself into debt and is looking to a balance transfer to help her get out. But how much should she transfer?
By host on 11/7/2012 9:50 AM
Every business has tricks of the trade, and credit cards are no exception. Learning the techniques purveyors of plastic use to separate you from your money will make you a smarter consumer.
By host on 10/22/2012 8:49 AM
Your stay-at-home husband or wife may soon have better access to credit, if a new proposed rule is adopted.
By host on 10/19/2012 9:54 AM
A Kansas woman was recently honored for paying off $120,000 in credit card debt in five years. Here’s how she did it.
By host on 10/15/2012 8:25 AM
Help! What do I do with hundreds of thousands of AmEx points?
By host on 10/3/2012 8:30 AM
Need some extra cash? Here are the lowest-cost ways to find it.
By host on 10/1/2012 10:11 AM
Disney offers a credit card that earns rewards and offers discounts. But should you carry a mouse in your wallet?
By host on 9/24/2012 8:29 AM
A reader and her company need a credit card that works overseas. Are there any that can do the trick?
By host on 9/17/2012 9:57 AM
Giving your teen a credit card can help them become a financially responsible adult – or wreck their credit. Here's how to make sure they're on the right path.
By host on 9/17/2012 9:33 AM
Many people have had it with their credit cards. But are they really all that bad?
By host on 9/17/2012 8:24 AM
This reader has an excellent credit history and score, but the man she's about to marry doesn't. How can she help him?
By host on 9/10/2012 9:06 AM
Getting older definitely isn't making me better-looking, but at least it's making me wiser. Here's what I've learned about money that you should too.
By host on 9/10/2012 8:58 AM
I’m not rich, but I am financially free. It’s important to understand that the two are not the same thing.
By host on 9/10/2012 8:56 AM
Many people have had it with their credit cards. But are they really all that bad?
By host on 9/4/2012 9:19 AM
Worried about debt after death or unemployment? A debt protection plan could cover you, but may be overpriced. Here are some better ideas.
By host on 9/4/2012 9:11 AM
You've heard the saying "pennywise and pound foolish"? Here are examples from your everyday life.
By host on 8/14/2012 10:21 AM
Whenever you find an extra dollar or two, knowing what to do with it can make you richer. So which would you do - add it your retirement account, or pay off the plastic?
By host on 8/14/2012 10:15 AM
If Fortune 500 CEOs make mistakes, then so do the rest of us who handle our family's finances. Here's a long list of what to avoid.
By host on 8/7/2012 1:09 PM
After going into debt traveling the world, a college student is getting serious about cleaning up her finances. Will a credit card help? The answer might surprise you.
By host on 8/1/2012 10:50 AM
Don't get stuck in a cycle of debt – avoid loans with interest rates as high as 500 percent.
By host on 6/28/2012 1:19 PM
You pay off a credit card debt by settling it for less than you owed. Problem solved? With the debt, yes. With your credit score, no. Here's how to destroy debts without destroying your score.
By host on 6/28/2012 1:04 PM
Car renters have always had to worry about tons of fees – now they might have to worry about safety recalls too. Learn how to protect yourself and your wallet.
By host on 6/28/2012 12:54 PM
This reader is tired of fighting a 15 percent interest rate and can't transfer the balance to a lower-rate credit card. Are they out of luck?
By host on 5/17/2012 7:38 AM
If you're late paying a bill, you'll pay dearly for your tardiness. Here's how to avoid late fees by letting someone else worry about reminding you.
By host on 3/26/2012 10:07 AM

Somebody in China stole my debit card number and ripped me off for $474.01. I got my money back – and I have tips to help you keep yours.

By host on 3/5/2012 8:42 AM

There are hundreds of credit cards on the market, but who has time to read through all of their terms and conditions?

I do! That’s my job.

If you aren’t sure about which type of card you want, but are just looking for the best deal for your situation, here are the best in five major categories…

By host on 1/19/2012 4:41 PM
Ever wonder what the differences between debt settlement and debt management are? This short video explains
By host on 1/18/2012 3:19 PM

It wasn't the best of times, and it also wasn't the worst. But it may have been the busiest for your credit and debit cards.

By host on 1/18/2012 3:14 PM

Racked up some holiday debt you've sworn to tackle in the new year? A credit counseling agency can help, and the right one might not charge you.

By host on 1/13/2012 2:15 PM

Those old delinquent debts have long faded from your memory. But now that it's time to buy a house, will potential mortgage lenders forget about them too?

By host on 12/19/2011 10:55 AM

Want to spend less? One way might be to trade in your credit card for a debit card.

By host on 12/19/2011 10:53 AM

Still have a few gifts left to buy? Perhaps most of them? Use these tips to avoid paying retail on last-minute holiday purchases.

By host on 12/19/2011 10:51 AM

Don't let a bank's computer get away with a bad decision about your good credit. Give them a call and offer them a good reason to change their mind. If you have a high credit score and a good payment history, they probably will.

By host on 12/6/2011 11:03 AM

New credit card rules continue to have unintended consequences. For example, responsible adults are now finding they no longer qualify for credit cards.

By host on 11/25/2011 9:54 AM

Here's how you can turn your holiday spending into even bigger credit card rewards than usual.

By host on 11/21/2011 3:02 PM

If you're a senior facing financial issues, or care for one who is, here are some tips that will help.

By host on 11/21/2011 2:48 PM

Generation Y is freaking out over finances, according to new research. That's a good thing: Their concern might motivate them to start planning.

By host on 11/18/2011 2:43 PM

It's amazing what you can get when you just ask for it. But can it work even with greedy, heartless credit card companies? Sure – because they're not greedy and heartless.

By host on 11/18/2011 2:40 PM

Credit cards are Santa's little helpers at holiday shopping time, but they can turn you into a grinch when the bills come due.

By host on 11/14/2011 2:57 PM

Transferring your balance to a better credit card can save you money. But if you don't choose your new card wisely, you could end up paying more.

By host on 11/14/2011 2:33 PM

Credit cards are valuable tools, but they're also misunderstood. Here's advice from someone who eats, sleeps, and breathes credit cards.

By host on 11/8/2011 3:52 PM

Identity theft is a growing and complex problem. But there are some simple things you can do to that will foil even the most dastardly thief.

By host on 11/3/2011 12:02 PM

What do you say when a cashier asks you if you want to apply for the store's credit card? First, you should say, "Maybe." Then you should do the math.

By host on 11/2/2011 4:28 PM

America, land of the fee. Because the Dodd-Frank Act is costing big banks swipe fee revenue, they're trying to pin the loss on consumers. But public outcry, and these tips, might save you from new fees on debit cards.

By host on 10/18/2011 9:28 AM

Using a credit card is as much about your emotions as your money. Here's what psychological researchers have learned, and how you can save money by using their results.

By host on 10/5/2011 2:46 PM
New banking regulations mean big changes for debit card users – starting today.
By host on 9/21/2011 10:50 AM

We've all seen the signs at the cash register: "Minimum credit card transaction $10." Is this legal? In the past, no. Now, yes. Here's a quick primer on changes in banking laws and how they affect you.

By host on 8/16/2011 12:35 PM

Not all interest rates are created equal. The rates the Fed froze last week won't freeze your credit card interest. In fact, your own interest rates may rise.

By host on 8/5/2011 9:14 AM

You might think your credit card's rewards program is paying you big time, but what about those sign-up bonuses? That's where the big money is.

By host on 5/27/2011 7:11 AM
Starting in July, the new Consumer Financial Protection Bureau will start accepting complaints about deceptive and abusive financial products, from credit cards to payday loans. While you’re waiting, here are three other ways to voice your displeasure.

Source: Money Talks (http://s.tt/12vFx)

The following post comes from lowcards.com

When you have a problem with your credit card issuer, it’s hard to find someone who can help, or sometimes, even listen. It is frustrating at best, and unresolved issues can magnify your personal financial crisis.

On July 21, the Consumer Financial Protection Bureau (CFPB) will begin accepting complaints about deceptive or abusive financial products and services....
By host on 3/3/2011 4:40 PM
This post was written by Anisha Sekar, staff writer and credit card nerd at NerdWallet.com. The Center for Responsible Lending recently released a study declaring the Credit CARD Act – a consumer protection law that went into effect one year ago – an unqualified success, claiming it “reversed much of the unclear...
By host on 1/16/2011 1:55 AM

This post comes from lowcards.com.

Christmas cards and colored lights are already on sale at a number of drugstores – the holiday shopping season is about to begin. This year, if you play your reward cards right, you can quickly earn a Christmas cash bonus on your credit card for your holiday shopping.

By host on 10/14/2010 12:00 AM

This post comes from lowcards.com.

Credit cards have become an easy target for Congressional grandstanding and
regulations, but beneath the widely criticized rates and fees lie many good
benefits that are usually hidden in the fine print.

By host on 8/16/2010 12:00 AM

You open your credit card statement and give the charges a glance. There’s one charge that you don’t remember making, but the amount is only $5.95, and the company name looks vaguely familiar. Since your bill doesn’t include the merchant’s phone number or website address, further investigation would take more time than it’s worth. So you pay the bill and get on with your day.

That’s exactly what the scam artists were counting on.

By host on 8/2/2010 12:00 AM

Despite legislation to make credit card terms fair and easy-to-understand for consumers, the new regulations have opened the door to changes that can make cardholders "vulnerable and uninformed."

The Pew Health Group study (entitled "Two Steps Forward: After the Card Act, Credit Cards are Safer and More Transparent–But Challenges Remain") released last week analyzed and compared the credit card marketplace before and after the CARD Act. The study reviewed credit cards offered online by the twelve largest banks and twelve largest credit unions–nearly 450 credit card offers.

By host on 7/26/2010 12:00 AM

2009 was a difficult year for many credit card customers. Interest rates increased significantly, credit limits were slashed for millions of cardholders, issuers closed risky accounts and rewards were decreased. Many consumers wondered what would happen after the CARD Act and other regulations went into effect in 2010. Would these regulations really help consumers?

“Despite regulations, credit card issuers are still increasing rates and fees in 2010, but less dramatically than last year,” says Bill Hardekopf, CEO of LowCards.com and author of The Credit Card Guidebook.

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Dealing with Post-Holiday Credit Card Debt
10 Holiday Tips
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