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11 Reasons Your Credit Card Might Be Declined

Have you ever stood at the cash register and tried to make a purchase, only to have the clerk hand you your card back and explain apologetically that the transaction was declined? It happens. Despite the embarrassment and inconvenience, the rejection is really meant to protect your account, and to protect the card issuer from… Read More

Loving Your Credit Card Beyond the Sign-Up Bonus

A credit card sign-up bonus can be a win-win situation for everyone involved. Or it can be a lure that traps the consumer in an expensive card. In days gone by, the offer was “two free round-trip tickets to anywhere we fly.” Now they might call it “50,000 free miles.” Either way, many credit card… Read More

American Express and Discover Tie for First in Credit Card Satisfaction Ratings

J.D. Power just released it’s annual U.S. Credit Card Satisfaction Study and American Express and Discover are at the top of the list. American Express and Discover tie for first American Express and Discover tied for first place in consumer satisfaction ratings, with Chase a close third. Barclaycard, U.S. Bank, Wells Fargo, Bank of America, Capital… Read More

12 Ways to Save $1,000 for Holiday Shopping in the 12 Weeks Before Christmas

Make your holiday shopping list now, even while you plan your Labor Day weekend barbeque. The holidays take a huge bite out of many families’ budgets but they don’t have to. And they most certainly shouldn’t put you into debt. With about four months to save, now is the time to look for creative ways… Read More

Is Your Credit Report Holding You Hostage?

Forty million Americans have errors on their credit reports. Half of them have errors serious enough to affect their credit scores. Credit report errors result in a cascade of negative consequences: Denied credit – mortgage, car loan, credit card, or any other type of financing Less favorable terms – higher interest rates, lower limits, etc…. Read More

How to Choose Your First Credit Card

Getting your first credit card is simultaneously a sign and a test of maturity. An exciting feeling of financial power comes with that little piece of plastic on which your name is embossed. This rite of passage empowers consumers of all ages who decide to foray into the universe of credit. Educate yourself A credit… Read More

Does It Pay to Pay for Identity Theft Protection?

Close examination of paid identity theft protection services reveals that they don’t do much for you that you can’t do yourself. In fact, some news outlets and consumer advocacy websites warn consumers against spending money on services that are, in essence, free. So why would anyone pay for identity theft services? Because even though you… Read More