Credit


Three Things to Know About EMV ‘Chip’ Credit Cards

EMV or “chip” credit cards are the new standard for credit cards equipped with computer chip technology. There are currently more than a billion in circulation, so many consumers are already using them. The embedded identity theft protection feature means that counterfeiters and card thieves won’t be able to authenticate bogus transac... More

Beware Credit Card ‘Teaser’ Offers

You’ve seen the advertisements – credit cards with zero percent APR, long payment grace periods, access to amenities like NFL tickets or the latest electronic gadgets. They’re all designed to attract new cardholders, of course, and many of the incentives can be of real benefit to consumers. However, these “teaser” offers are ... More

Credit Card Perks You Probably Don’t Know You Have

While frequent-flyer miles and cash-back programs are widely publicized benefits of some credit cards, there are dozens of lesser known benefits you may not even realize you have. Read your card’s fine print to see if you can take advantage of any of the following. Extended Product Warranties It might be a good idea to put that new ... More

Three Steps to Improving Your Credit Score

A healthy credit score is integral to anyone hoping to make a big purchase, like a home or a car, but many people struggle to overcome past mistakes. Since credit scores take into account many years’ worth of finances, it can take time to make even incremental positive change. There are simple ways to get your score moving in an upward ... More

Beware These Sneaky Credit Card Charges

Most consumers know to be wary of credit card interest rates and annual fees, but there are a host of other charges that can lead to increased debt, too. Read on for several of the most common surreptitious credit card charges. Paper Statement Fees While electronic statements are convenient for many consumers, they’re also a boon to ... More

How to Avoid Paying Your Annual Credit Card Fee

Everyone enjoys the rewards that come with your credit card, but no one looks forward to the annual fee. Luckily, there are ways to get out of paying it. Start by calling and simply asking the credit card company to waive it. They want to keep you as a customer, so they might just agree. If a simple ask doesn't work, try raising the ... More

The Credit Cards With the Best Perks and Benefits

A new survey from CreditCards.com found that most people haven't changed their credit cards in more than 10 years. But the biggest think they search for in a credit card is rewards. If you spend more than $1000 each month, you have the opportunity to earn back money with a new card with a higher rate of return. If you don't travel often ... More

Make a Good Credit Match for Valentine’s Day

Couples should be as open about finances as they are about everything else. Studies have indicated that financial compatibility can translate to a good match. The way people handle their finances can say a lot about them - whether they are responsible or not, trustworthy or not, and what they value. A bad credit score may be an ... More

How to Understand Your Credit Report

Your credit report gives a detailed look at the state of your finances. Make sure you can read it. You get one free credit report a year from each of the three major agencies: Experian, TransUnion and Equifax. Get your credit from AnnualCreditReport.com from one of the agencies now, then another in a few months and the last one in a ... More

Research Shows Millennials Hate Debt

In a recent report, Facebook researchers revealed that millennials don't like debt or credit cards. "Millennials are diligent in paying down debt, careful with credit cards and dedicated to accumulated savings," they wrote. "The burden of debt weighs so heavily that millennials have redefined financial success around it, with 46 ... More