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Financial News from CreditCards.com

  • Recovery from bad credit: 1st steps CreditCards.com - 11 hours ago

    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

  • New York Times personal finance columnist and "The Opposite of Spoiled" author Ron Lieber touts the benefits of teaching financial decision-making at an early age

  • Banks still rely on branches to start accounts CreditCards.com - 18 hours ago

    While banks long ago embraced online banking transactions, they still rely on branches to originate most types of accounts, research by Celent finds

  • Carrying a balance? No rewards card for you! CreditCards.com - Tue, Mar 3, 2015 8:00 AM EST

    Interest costs far outweigh any rewards offered by credit cards, so prioritize paying off your balances before thinking about earning rewards

  • 1099-C frequently asked questions CreditCards.com - Tue, Mar 3, 2015 1:00 AM EST

    Wonder why you received a 1099-C in the mail? Most taxpayers don't realize forgiven debt is considered income, and questions abound

  • Debt collection complaints take aim at credit cards CreditCards.com - Mon, Mar 2, 2015 8:00 AM EST

    Credit card balances are a dwindling piece of debt collection work, but they remained a top source of consumer complaints in 2014

  • No 2-in-1 card for tax-exempt organizations CreditCards.com - Mon, Mar 2, 2015 8:00 AM EST

    Nonprofits are exempt from sales tax, and retailers have programs to accommodate them, but no all-in-one card avoids sales taxes at point of sale

  • Looking for credit after Chapter 7 bankruptcy CreditCards.com - Sat, Feb 28, 2015 8:00 AM EST

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

  • It's not fraud if you lend your card out CreditCards.com - Fri, Feb 27, 2015 8:00 AM EST

    The odds of prosecuting someone for card fraud for using your card when you gave your permission are pretty fruitless

  • How to fight phantom-debt collectors CreditCards.com - Thu, Feb 26, 2015 8:20 AM EST

    Callers with details about you and your debts can be convincing, so it pays to know how to tell a legitimate collector from a phantom-debt scam

  • An insider's view: How FICO scores burst from secrecy CreditCards.com - Thu, Feb 26, 2015 8:19 AM EST

    Creditcards.com columnist and former FICO official Barry Paperno recounts how credit scores went public, and why they're as confusing as ever

  • Poll: Wealthy getting EMV cards first CreditCards.com - Wed, Feb 25, 2015 11:30 PM EST

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

  • Credit card interest rates drop to 14.87 percent CreditCards.com - Wed, Feb 25, 2015 2:35 PM EST

    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.

  • Tougher rules coming for debt collectors CreditCards.com - Wed, Feb 25, 2015 9:00 AM EST

    Federal regulators are writing a major update of debt collection rules for the first time in decades, but the penalty will remain a wrist-slap

  • Financing a new laptop? Do the math first CreditCards.com - Wed, Feb 25, 2015 8:00 AM EST

    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

  • Study: Law creates many too broke to file for bankruptcy CreditCards.com - Tue, Feb 24, 2015 11:00 AM EST

    A decade after a federal bankruptcy reform law took effect, a new class of Americans has been created: the permanently insolvent

  • With Costco and AmEx splitting, don’t rush to switch cards CreditCards.com - Tue, Feb 24, 2015 8:00 AM EST

    Costco will be ending its exclusive relationship with American Express. But there's no need to drop the Costco AmEx card right away. Wait to see what new cash-back deals shake out

  • Dangers of putting business expenses on a personal card CreditCards.com - Mon, Feb 23, 2015 8:00 AM EST

    Paying your new small business's expenses with your personal card may be convenient, but it has limited benefits and adds new risks

  • How a balance transfer can help with a large debt CreditCards.com - Sat, Feb 21, 2015 8:00 AM EST

    With $16,500 of debt on a single card, the best options are to find the best possible balance transfer deal, or get involved in a debt management program

  • Collectors still calling after a 1099-C 'Cancellation of Debt' tax form CreditCards.com - Fri, Feb 20, 2015 8:00 AM EST

    Just because you received a 1099-C and may have paid taxes on an unpaid debt, that doesn't mean you're free from collection attempts

  • Judge: Merchants can steer you to lower-cost card CreditCards.com - Thu, Feb 19, 2015 5:00 PM EST

    Merchants should be allowed to offer consumers discounts or perks to use a lower-cost credit card, a federal court ruled

  • 7 times you might be liable for fraudulent charges CreditCards.com - Thu, Feb 19, 2015 8:00 AM EST

    Despite "zero liability" promises from credit card companies and protection from federal laws, there are instances where you might be on the hook for fraudulent credit and debit card charges

  • Help your credit score rebound after a fall CreditCards.com - Thu, Feb 19, 2015 8:00 AM EST

    If you're whittling debt and paying bills on time after a credit score tumble, your credit scores should improve fairly quickly. If they aren't, something else is wrong

  • Credit card interest rates stay at 14.89 percent for 7th straight week CreditCards.com - Wed, Feb 18, 2015 2:45 PM EST

    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

  • What to do when a new gift card shows zero balance CreditCards.com - Wed, Feb 18, 2015 8:00 AM EST

    You give (or get) a new gift card, and the first time it's used, pfft! It's empty. Whether the problem is fraud or simple human error, follow these steps to retrieve its value

  • Quickly opening, closing accounts makes scores dip a bit CreditCards.com - Wed, Feb 18, 2015 8:00 AM EST

    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

  • Households staggering under student loans CreditCards.com - Tue, Feb 17, 2015 11:30 AM EST

    While problems with most other loans are easing, student loans are entering uncharted heights and late payments are surging, says new data

  • Earning rewards on foreign purchases CreditCards.com - Tue, Feb 17, 2015 8:00 AM EST

    Charging in another currency still yields reward points, but make sure you have a card that has an EMV chip, but doesn't have foreign transaction fees

  • Dangers of applying for an online payday loan CreditCards.com - Tue, Feb 17, 2015 8:00 AM EST

    Considering an online payday loan? Don't. These sites often scatter your personal information to the Internet wind, opening you up to, at best, bad deals, and at worst, relentless fraudsters

  • Beware shady merchant processing contracts CreditCards.com - Mon, Feb 16, 2015 8:00 AM EST

    A lawsuit by an out-of-state company that supplies credit card machines deserves the plaintiff's attention -- but scams exist in the industry so read your contract carefully and talk with a lawyer if in ...

  • Raid retirement fund to pay off debt? Bad idea CreditCards.com - Sat, Feb 14, 2015 7:00 AM EST

    Raiding the retirement fund is so tempting when you're unemployed and racking up debt, but it's almost never the smart move

  • Financial planning options for the 99 percent CreditCards.com - Fri, Feb 13, 2015 8:00 AM EST

    Getting financial goals together is not as daunting as it sounds. From DIY plans to going to a professional, financial planning is within reach

  • Pay down debt before adding teen to card CreditCards.com - Fri, Feb 13, 2015 8:00 AM EST

    A mom who wants to add a 17-year-old to one of her card accounts should reconsider: Her daughter really doesn't need one, and Mom needs to get her own balances under control

  • Student loan debt regret: 12 do-over wishes from college grads CreditCards.com - Thu, Feb 12, 2015 8:00 AM EST

    Now saddled with heavy student loan debts, 12 grads share their regrets and offer tips on how future students can avoid the same big-ticket mistakes

  • Best way to apply tax refund to multiple card balances CreditCards.com - Thu, Feb 12, 2015 8:00 AM EST

    With a mortgage on the horizon and several maxed-out cards, what would be the best way to apply a tax refund to maximize credit score?

  • Student loan debt regret CreditCards.com - Thu, Feb 12, 2015 8:00 AM EST

    Now saddled with heavy student loan debts, 12 grads share their regrets and offer tips on how future students can avoid the same big-ticket mistakes

  • Credit card interest rates remain at 14.89 percent for 6th week CreditCards.com - Wed, Feb 11, 2015 2:40 PM EST

    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.

  • Being financially prepared for the death of a spouse CreditCards.com - Wed, Feb 11, 2015 8:00 AM EST

    If your spouse passed away, could you seamlessly take over the household finances? If not, some quick information sharing can save you from more heartache

  • 18 and ready for first card, but where to begin? CreditCards.com - Wed, Feb 11, 2015 8:00 AM EST

    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

  • 6 bad reasons to open a new card CreditCards.com - Tue, Feb 10, 2015 8:00 AM EST

    Take a look at six of the worst rationalizations for opening a credit card, and learn how to be a prudent plastic user.

  • Not all 'digital wallets' give you bonus reward points CreditCards.com - Tue, Feb 10, 2015 8:00 AM EST

    If you're using a mobile wallet to make purchases using your American Express card, you may not get get those bonus rewards points the card promises

  • Big debt from business failure? Try talking to creditors. CreditCards.com - Mon, Feb 9, 2015 8:00 AM EST

    A couple who closed their 20-year-old business struggle with $50,000 of remaining debt. It's a stressful situation but there are ways of tackling it

  • Poll: Wealthy cardholders prefer cash-back rewards CreditCards.com - Sun, Feb 8, 2015 9:00 PM EST

    Getting cash back is by far the favorite credit card reward, according to a new CreditCards.com survey of cardholders with at least $100,000 in investable assets

  • Fed: December credit card balances up 7.9 percent CreditCards.com - Fri, Feb 6, 2015 3:00 PM EST

    Credit card balances were on the rise once again in December, the Federal Reserve said Friday.

  • Pros, cons of getting a business card for personal use CreditCards.com - Fri, Feb 6, 2015 8:00 AM EST

    Business cards sport features personal cards don't have, and no rule prevents someone without a business from getting one -- but watch the catches

  • How to get back overage on card accounts CreditCards.com - Fri, Feb 6, 2015 8:00 AM EST

    You charged an item, paid the card bill, but then returned your purchase, leaving a credit on your card. Do you just spend it or can you get that cash back?

  • How to build credit with a student loan CreditCards.com - Thu, Feb 5, 2015 8:00 AM EST

    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

  • 5 steps to a mortgage-worthy credit profile CreditCards.com - Thu, Feb 5, 2015 8:00 AM EST

    You've decided it's time to make your dream of owning a home a reality, but are you financially prepared? Here are five steps to getting your credit and finances in tiptop shape

  • Credit card interest rates stay at 14.89 percent for fifth week CreditCards.com - Wed, Feb 4, 2015 2:40 PM EST

    Feb. 4, 2015: Interest rates on new credit card offers held steady Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report

  • Fighting back against the growing threat of tax fraud CreditCards.com - Wed, Feb 4, 2015 8:00 AM EST

    Tax fraud scams have skyrocketed as rip-off artists file phony tax returns on consumers' behalf. To avoid getting burned, be alert to their tricks

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