dcsimg

Credit Cards

  • Holiday spending: Smart shopping or unbalanced checkbook?
    Published: Nov 11, 2014

    'Tis the season for Black Friday deals, festive decorations, elaborate feasts for family and friends and, of course, unbounded opportunities to bust your holiday budget. Does holiday temptation impede rational spending? Leading up to the year's largest season for consumerism, WisePiggy polled 2,000 Americans age 25 and above through an OP4G survey in order to ...

  • What you miss when you don't read your credit card statement
    Published: Oct 28, 2014

    When was the last time you studied your credit card statement? Do you even know what's listed on it, or do you simply open your statement, read what you owe and send in the minimum payment each month?Unfortunately, consumers who don't read their statement each month could cost themselves significant fees or trigger soaring interest ...

  • Applying for a new card? APR not the only consideration
    Published: Sep 30, 2014

    In the world of personal finance, you often see a focus on interest rates when credit cards are discussed. That may be because people often become interested in personal finance after accumulating consumer debt, often in the form of credit card debt. For individuals who are still trying to pay off debt and build good ...

  • Keep financial accounts safe online with smart password management
    Published: Sep 23, 2014

    If you're like most Americans, you aren't being proactive enough when it comes to protecting your financial and personal information, especially as it relates to the passwords you use online. According to a recent survey conducted by Harris Poll on behalf of LifeLock, provider of identity theft protection services, 47 percent of consumers who heard ...

  • Beware the perils of prepaid cards
    Published: Sep 2, 2014

    For some, prepaid debit cards are a substitute for using a bank. For others, they're a means of controlling spending. And they can be a nice gift when you're not quite sure what to give someone. Those are all reasons why prepaid cards are so commonly used. But the popularity of prepaid cards is obscuring their ...

  • Are secured credit cards right for you?
    Published: Aug 5, 2014

    For anyone who is denied a traditional credit card, a secured credit card could be a good solution for establishing or reestablishing yourself as a responsible credit user. Of course, as a higher-risk borrower, you'll have to pay more for the privilege of using credit than other consumers who have a strong credit history. If you're ...

  • So you're using credit for your business. Now what?
    Published: Jun 30, 2014

    The old adage "You have spend money to make money" is definitely true for small-business owners. In addition to large expenses, such as rent, payroll and utilities, there are smaller expenses that arise every day during the course of business. Often employees find themselves needing to buy equipment or take a client out to lunch. ...

  • Are the extras offered by your credit card company worth it?
    Published: Jun 23, 2014

    Those add-on services that credit card companies sell -- everything from credit-monitoring services to identity theft protection -- have made headlines lately, and not good ones. The Consumer Financial Protection Bureau (CFPB) has levied large fines against some of the biggest financial institutions in the country, accusing them of tricking customers into paying for add-on ...

  • Why was my credit card application declined?
    Published: Jun 3, 2014

    It seems like every time you look in your mailbox, open your email or walk into a store, someone is trying to get you to open a new credit card. But just because the offers keep coming, doesn't mean that being granted plastic power is a given. In fact, the National Foundation for Credit Counseling's (NFCC) ...

  • Traveling overseas? Develop a credit-card plan
    Published: May 13, 2014

    Planning a trip overseas requires a great deal of patience, flexibility and attention to detail. After all, you may be booking a complicated flight itinerary, applying for a passport or visa, and securing lodging in a part of the world you've never even visited. The good news is, most, if not all, of your travel ...