Credit account management

6 new rules for negotiating changes in credit card terms -- With credit card companies slashing credit lines and raising interest rates to recoup heavy losses, cardholders face new hurdles when trying to negotiate credit card terms. ... (more)

Card issuers offer rewards to build savings, pay off debt -- Often criticized for encouraging overspending, several credit card issuers recently rolled out programs and rewards cards to help customers pay off debt, save and invest. ... (more)

Statute of limitation for credit card debt, all 50 states -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states, plus the District of Columbia. ... (more)

7 irrational credit card fears -- Are you or someone you know afraid to use -- or even obtain -- plastic? Sure, credit cards come with a series of essential cautions, but overall they are safe and useful financial management tools. ... (more)

How to keep a small business credit card limit from being cut -- Those who rely on small business cards with high limits to keep their shops running need to be proactive. ... (more)

Credit card balance transfers: The landscape is changing -- Balance transfers are valuable tools, but the radically changed 2009 landscape means they're trickier and harder to find. ... (more)

Are three cards too many? Not if you use them wisely -- There's no one answer to how many cards are too many. Lots of variables come into play, including how you use the cards and how you make your payments. ... (more)

Best credit card stories of 2008 -- The year 2008 saw unprecedented change in the credit card industry, turning card debt from convenient friend into everyone's enemy. These are the top 10 stories that helped chronicle it. ... (more)

6 steps to a successful credit card balance transfer -- Balance transfers aren't easy any more. Take these steps to increase your odds of success. ... (more)

9 predictions for credit cards in 2009 -- This has been a tumultuous year for credit cardholders and issuers. What does 2009 hold? We'll take a look. ... (more)

Credit card debt consolidation -- Credit card consolidation may be right for you if you are facing high interest rates. ... (more)

Become debt-free with credit card debt consolidation -- If you have a large outstanding credit card balance, now might be the time to consider your credit card debt consolidation options. ... (more)

Credit card recommendations for your post holiday bills -- Credit card bill-paying tactics that can help you deal with high post holiday card payments. ... (more)

Credit card consolidation -- Methods for credit card consolidation and how to save money in interest and finance charges. ... (more)

Strategies for escaping a too-expensive auto lease -- If you signed an lease that turns out to be unaffordable, you have a few options, but most aren't pretty. ... (more)

Leaving debt behind in another country -- Although credit scores don't cross borders, don't bank on being able to just move away from your money troubles. ... (more)

The pros and cons of credit union credit cards -- Credit unions -- banks' nonprofit competitors -- can offer cards with low APRs and late fees and often beat banks in customer service surveys. But they aren't for everyone. ... (more)

Card issuers, customers 'maxed-out' in frustrating holiday season -- Credit card issuers cutting credit lines. Cardholders strapped for cash. Both sides of the credit card equation are being squeezed, causing some uncomfortable situations at the cash register this holiday season. ... (more)

Your future monthly credit card statement -- Federal regulators have asked credit card issuers to make monthly statements sent to millions of credit card users easier to understand. The deadline for the changes to take effect is July 1, 2010, although some issuers may roll out revamped statements sooner. ... (more)

Ignoring old debt can come back to haunt -- Lenders view delinquent, but paid off debt better than delinquent unpaid debt. ... (more)

Giving the gift of flight with airline gift cards -- Anyone considering giving an airline gift card should make sure all the terms and conditions won't prevent redemption ... (more)

The wisdom of bailing family members out of debt -- if that fresh start comes too easily, in a few years they can be back in line looking for another fresh start, and another. ... (more)

How to manage credit card accounts until new rules kick in -- Even though regulators have approved tough new credit card rules, consumers still must watch out for tricks and traps of the credit card game. Here's a checklist of what to do. ... (more)

What the new credit card rules don't cover -- New credit card industry rules are the most significant in three decades, but they don't go far enough to protect consumers from credit card abuses, lawmakers and advocates say. Here's what's missing. ... (more)

Credit union regulator approves new credit card rules -- New rules will fundamentally change the way credit cards operate, but won't take effect until July 1, 2010. Consumer advocates say that's too long to help families struggling with debt in today's economy. ... (more)

Thrift group approves new credit card rules -- One of three federal regulatory agencies approves sweeping new credit card rules. Fed and credit union group expected to follow suit. ... (more)

Understanding credit card minimum payments -- Your credit card's minimum-payment-due amount can be a mysteriously shifting figure that makes a significant impact on the monthly budget. We'll help you solve the riddle. ... (more)

Gifts that give twice: Charitable gift cards -- Give more meaning and economize your holiday gift giving by purchasing gifts that give twice -- charity gift cards. ... (more)

Give more with less through charity credit cards -- If you're skipping your charity's annual black-tie fundraiser to make ends meet this season, try giving with a charity credit card to give a little back without affecting your budget. ... (more)

7 tips to avoid a credit card late fee -- Being even a minute late with a credit card payment can cost you dearly -- as much as $39 each time, according to one recent survey -- but some simple steps can help keep your exposure to these extra costs to a minimum. ... (more)

Creating a plan to pay off $60,000 in credit card debt -- A reasonable amount of time to pay off unsecured debt is five years or less, so in order to pay off $60,000, expect to pay about $1,300 a month ... (more)

Just say no to store credit cards -- There are too many reasons why you shouldn't want a credit card for every store in the mall, so pass up those one-time discounts. ... (more)

What new credit card rules mean for you -- Sweeping new credit card rules will take effect July 1, 2010. Look for limits on when interest rates can be hiked, longer advance notice of changes in terms and more time to pay monthly bills. ... (more)

Keeping your credit score clean before you close on a home -- Unwitting homebuyers who go on a credit card binge risk losing their pre-approval status and financing. ... (more)

Deferred interest, same as cash; Play the game right or you lose -- It's tempting: "No payments until 2010." Find out the how deferred interest payment programs work, the best way to use them and what happens if you don't pay on time. ... (more)

The rules behind getting a free credit report -- FACTA provides that the three major credit reporting bureaus must provide a free copy of your credit report every 12-month period. ... (more)

Student credit card issuers losing their welcome on campus -- Despite the big money many colleges earn from making deals with card issuers, some schools and states are clamping down on giving banks access. ... (more)

Tips for college students considering credit cards -- Consumer advocates and college officials offer advice to students who may not be familiar with the world of credit cards ... (more)

Elderly mother can't pay $14,400 in credit card debt -- An 83-year-old woman can't meet her minimum credit card payments on $14,400 in credit card debt. ... (more)

10 tips for graduating from subprime to prime credit cardholder -- While most people wisely avoid subprime cards -- which feature low credit limits, high annual fees and sky-high annual percentage rates -- they are one of the best ways for consumers boost their credit before graduating to a more attractive card, experts say. ... (more)

Card issuers increasingly quick to close dormant, inactive accounts -- The message these days from credit card issuers to customers who aren't using their plastic is a blunt one: Use it or lose it. ... (more)

Got bad credit? Know your bad credit credit card choices -- Those with bad credit have choices -- some dangled by predators looking to make their money problems worse. ... (more)

Banks focus mailings on current customers, not new ones -- Fearful of taking on more risk in today's economic environment, banks are choosing to focus on keeping current credit card customers rather than acquiring new ones, according to direct mail data from Chicago-based Mintel Comperemedia. ... (more)

10 creative -- or desperate -- uses for credit cards -- The pieces of plastic in your wallet are good for more than spending. In a pinch, they can scrape ice from a window, pick a guitar and more. ... (more)

How to talk to creditors when you can't pay credit card bills -- A step-by-step guide to talking with creditors when there isn't enough cash for a complete payment. ... (more)

How debt settlement works, how it affects credit scores, how to choose a firm -- Debt settlement lets you escape part of your debt, but at a price to your credit score. ... (more)

When collectors come after you for ex's unpaid debt -- It's an all-too-common problem: Your ex defaults on credit card debt on a joint account, so collectors are coming after you. What are your options? ... (more)

13 tips to protect yourself on Black Friday, Cyber Monday -- Black Friday and Cyber Monday aren't just big days for shoppers -- ID thieves look forward to them, too. We'll give you tips to make sure that your identity is safe and secure when you shop online or in the stores. ... (more)

If dear old dad steals your identity, turn him in -- When a parent commits identity fraud against a child, emotions can run high. But given the choice between protecting your parent or your good name, choose the latter. ... (more)

Protecting your children from identity theft -- Since years can pass before their crime is detected, identity thieves increasingly target children. ... (more)

Step-by-step guide to checking your minor child's credit -- If there are indications your child's identity has been stolen, these steps will help you successfully contact the credit bureaus to check. ... (more)

Help! My APR's been hiked to 27.99 percent -- Credit's tight and your card issuers are reacting by boosting interest rates. Your choices are either to pay off the balance or transfer to another card. ... (more)

Paying less than minimum won't ward off garnishment -- Paying less than the minimum amount won't ward off garnishment. It's best to contact creditors directly to work out a payment plan. ... (more)

Debt collectors to debtors: Let's make a deal -- The tough economy is forcing debt collectors to rethink how they do business. Many will now accept down payments and a little each month from cash-strapped debtors. ... (more)

Pros and cons of various sources of home down payments -- Down payments are once again a must to qualify for a mortgage. There are many sources, each with its own advantages and drawbacks. ... (more)

Credit card cash advances for a home down payment? Not smart -- With no-money-down mortgages gone, lenders say they sometimes see buyers draw credit card cash advances to make their home down payments. ... (more)

How to add a written statement to your credit report -- Your credit report is usually the final word when it comes to lending, but the rules let you make 100 of those words your own. ... (more)

Consumer credit report statement sample letters -- Our collection of sample letters -- tailored to satisfy each of the Big Three credit bureaus and fit several situations -- can help you plead your case on your credit report. ... (more)

Higher limit or second card will impact your credit score -- If you think your credit limit's too low, you may consider either asking your current issuer for a higher limit or getting a second card. Either way, don't forget to consider the impact the move will have on your credit. ... (more)

How the Amish deal with credit cards -- The Amish are famous for being credit-averse and widely believed not to have credit cards, though the truth is many of them do. ... (more)

Building a credit history without credit cards -- Living without credit cards can lead to a "thin" credit file where lenders don't have enough evidence that you are a good credit risk. ... (more)

8 steps to reducing credit card debt -- This structured, disciplined plan will help you bat down credit card debt and regain financial control. ... (more)

Credit card debt forgiveness? Forget about it, OCC says -- The Office of the Comptroller of Currency issued a response to a proposal to forgive some borrowers' credit card debts. No way, OCC says. The plan was supported by the banking industry and consumer groups. ... (more)

7 tips for handling your first credit card -- When college students and credit cards mix, the results can be troubling. Here are seven helpful hints to keep yourself or your kids from falling quickly into the debt trap. ... (more)

CreditCards.com's credit crunch survival guide -- Credit's getting tougher to come by these days, and this credit crunch impacts virtually every American. So what is a consumer to do? It depends on how you use your card. With that in mind, we've created this guide to help you make your way. ... (more)

Disabled vet seeks relief from credit card debt -- A disabled veteran living on a fixed government income is overcome by credit card debt and seeks a way out. ... (more)

Compare credit card rental car insurance coverage: Policies vary widely -- Credit card companies' policies vary sharply, so don't always be quick to turn down rental car agencies' optional coverage. ... (more)

U.S. retail store credit card comparison table -- Here are the top issuers of retail store credit cards, both those offered by the retailers themselves and those offered by banks. ... (more)

Take control of debt, avoid bankruptcy -- Bankruptcy is not the easy solution to debt reduction -- it's expensive, takes time and paperwork and destroys your credit rating for almost a decade. ... (more)

Credit card insurance: don't believe the hype -- Credit card insurance sounds like a great deal: For mere pennies on every $100 of debt, your credit card bills will be paid even if you don't have the money. Sounds like a bargain, right? As with everything in life, however, if it sounds too good to be true, it probably is. ... (more)

Credit card securities facing difficult times -- Securitized credit card debt portfolios of major card issuers are experiencing greater losses as economy slows and job losses increase. ... (more)

Opening Credits: Better credit can improve your job prospects -- Going for a first job? Great. Buff your credit report as well as your resume, because employers these days look at both. ... (more)

Authorized user piggybacking: When should the credit ride end? -- Young people who ride their parents' credit scoring coattails through 'piggybacking' eventually need to go out on their own credit paths -- but carefully, experts say. ... (more)

Credit card addiction: How to break the spending cycle -- For compulsive buyers, the overwhelming need to buy is an obsession that can ruin finances, marriages, careers and even lives, say compulsive shopping addicts and researchers. ... (more)

Steps to avoid wage garnishment -- Leaving the country to escape credit card debt doesn't guarantee that it will be gone if and when you come back. ... (more)

Consumer, lender groups join to ask Feds for credit card debt forgiveness -- Many consumers can no longer qualify for traditional debt reduction plans, two groups have asked to test a more generous debt-reduction plan. ... (more)

Consumers, credit bureaus grapple with 'thin file' credit score problem -- Thin is good -- unless it's your credit file. There it can be a problem, since lenders are wary of consumers who haven't already taken out loans. ... (more)

How HUD evaluates nontraditional credit for FHA mortgages -- Here are some of the guidelines issued in 2008 by the U.S. Department of Housing and Urban Development for establishing and evaluating nontraditional credit histories. ... (more)

Surveys say: Americans report cutting back spending, debt -- Recent polls conducted by three different groups echo CreditCards.com "Taking Charge" survey: consumers are adapting to changing economy. ... (more)

Money and credit lessons from the past -- Experts are telling us to pay off debt and stop charging. Here are some money management lessons from the past that can help break the credit card debt cycle. ... (more)

Credit card survey: They're not status symbols, they're just plastic -- Advertisements try to persuade us otherwise, but almost no one puts any weight in the brand or appearance of their credit cards, according to a new national survey. ... (more)

How wage garnishment works -- and how to avoid it -- Ignoring outstanding credit card debt can take a bite out of your paycheck as judgments for wage garnishments can follow. ... (more)

Using retirement to pay off high debt isn't the answer -- Using retirement funds to pay down high credit card debt isn't the best solution. Creating a budget and living within your means is. ... (more)

Learn the ABCs of credit scores, credit scoring -- Credit scores are intriciate, but increasingly important for consumers to know about. We'll break down the credit scoring basics. ... (more)

PNC to acquire National City banking, credit card interests -- PNC Financial Services Group Inc. will acquire banking and credit card issuer National City in a deal to be finalized by year's end. ... (more)

Opting out of credit card affiliate marketing: 4 tips -- A law that went into effect Oct. 1, 2008, says businesses can't let its affiliates market to you without telling you first, and without giving you a simple way to opt out. ... (more)

Learn the three Cs of credit: Credit score, capacity to pay, collateral -- When deciding whether to finance an item over time, consider the three Cs of credit to see if it will hurt your credit score. ... (more)

Your credit card personality: The Better Man/Better Woman -- Even if you don't always make perfect decisions, you're a quick learner. You've gotten in credit trouble in the past, but you've turned over a new leaf. ... (more)

ABCs of credit card residual interest -- When you pay the full amount on your credit card statement and don't add any new charges, your balance is zero, right? Not necessarily. ... (more)

Sold the house, have some cash, now what? -- Seniors who are downsizing need to pay off debt, create fixed-income investment income and have an emergency fund to cover financial surprises. ... (more)

How to buy a car with a credit card -- and when not to -- Not all car dealers let you, but for those with rewards cards and faith in their ability to repay, buying a car with a credit card can make sense. ... (more)

New America Foundation paper seeks to avert next financial crisis -- A new paper offers ideas for regulating credit card industry practices. ... (more)

Debt collection goes virtual -- Companies are trying new ways to get delinquent borrowers to pay up. One firm recently launched a 'Virtual Collection Agent' that's being rolled out by several major issuers. ... (more)

Pay down debt or invest? Which is more important? -- With the financial markets so uncertain, is it wiser to pay down debt or keep investing for the future? ... (more)

Don't hide credit woes from children, family -- How much should you tell your children about your financial difficulties? Experts say parents should let children know when the family is facing hard times, and maybe get the kids to help out. ... (more)

Credit recovery advice: Start slow, do it right this time -- When pulling out of bankruptcy, it's important to understand how you got there in the first place in order to avoid getting there again. ... (more)

Government workers sometimes abuse credit cards, p-cards -- A host of examples of credit card abuse by public employees shows that proper policies and regular scrutiny are needed to avoid draining public coffers and ruining public confidence. ... (more)

5 ways small biz owners can prevent employee credit card abuse -- Here are 5 steps small business owners can take to prevent unauthorized credit card purchases by employees. ... (more)

Study: Delinquencies ramping up for those who took out mortgages recently -- It used to be that homeownership was a mark of stability, a factor that lenders took into account by opening their vaults a little wider to those who had mortgages. No more. ... (more)

6 credit card terms you can negotiate and change -- If you have a high credit score, you may have more leverage than you think in negotiating over these six terms. ... (more)

4 tips for negotiating for better credit card terms -- Know your own value, do your research and you'll come out ahead in negotiations with your credit card issuer. ... (more)

Advocates for the blind take aim at touch-screen terminals -- For the blind, it's tough enough already to tell a $5 bill from a $20. New payment technologies such as touch-screen point of sale terminals now pose new challenges. ... (more)

August 2008 G.19 report from Federal Reserve on consumer spending -- The Federal Reserve's G.19 report, a key measure of consumer spending, showed consumers slowed their spending for the first time in a decade. ... (more)

Changing your name on credit cards after marriage -- Marriage brings plenty of change, and for many women (and a few men), the first one is your name. Tips for how to change your name on your credit cards. ... (more)

Taking on new debt in an economic downturn -- During economic instability, it is wise to reconsider the need to take on additional credit lines. ... (more)

5 secrets to smart debit card use -- Debit cards are more common now than ever. We'll give you some helpful tips to make sure you're using them in the smartest way possible. ... (more)

In times of financial uncertainty, follow timeless advice -- In this economy, it's important to keep a clear head and not heed the financial advice of all the doomsayers. ... (more)

Why students pay for college with credit cards, tips to avoid -- When money gets too tight for tuition, a growing group of students and their families break out the plastic. ... (more)

Plastic and terror: Study describes how terrorists use credit cards -- Terrorists are increasingly turning to credit cards, according to a study written by an expert on terror financing. ... (more)

As private college loans dry up, students may turn to credit cards -- Students facing a 'perfect storm' of tight job market and fewer available loans may have to turn to credit cards to fund their studies. ... (more)

How balance transfers impact your credit score -- The ratio between how much credit you have available and how much credit is used is calculated as part of the amounts-owed category when calculating your credit score. ... (more)

Treasury, Ad Council team up to promote credit smarts among young consumers -- New educational campaign targets younger consumers with the message: Take control of your credit and personal finances. ... (more)

Review the new interactive credit card game -- CreditCards.com asked young consumers to review a new interactive game designed to educate 18- to 24-year-olds about credit and personal finance. ... (more)

Why getting a small business card is smart -- When starting up a small business, it's important to keep business and personal expenses separate for tax purposes. ... (more)

Credit card penalty rates: Mistakes that trigger default APRs -- Credit cardholders should recognize that they may be just one late payment away from credit card penalty (default) rates, and sharply higher bills. ... (more)

6 tips to avoid penalty rates -- Credit card penalty rates can double or triple your interest rates -- and substantially boost your monthly payments -- overnight. Here's how to avoid them. ... (more)

Hard times require new investing, credit card habits -- In these uncharted economic waters, it is important to keep the level of credit card debt down and refrain from making large, unnecessary purchases on credit. ... (more)

12 tips for automatic bill paying -- If managed well, using your credit card or your online bank account to pay your bills online is a great idea that could manifest in anything from free plane tickets to actual cash back rewards. ... (more)

Deadline passed for free TransUnion credit monitoring -- Sept. 24 was the final day for members of the public to sign up for free credit monitoring. ... (more)

The pros and cons of charging a luxury car on your credit card -- While charging a luxury car on your credit card may yield a lower interest rate, the risks are higher than a traditional fixed rate loan. ... (more)

You think your credit smells? Cards with aromas issued -- Smell experts -- yes, there are some -- say the aromatic cards could excite the emotions and cause us to spend more. ... (more)

Compare today's 0 percent balance transfer offers -- Comparison chart shows that 0 percent introductory periods are shorter, fees tougher to dodge. ... (more)

Are 0 percent APR balance transfer credit cards doomed? -- Consumers' mailboxes used to be flooded with offers for balance transfer credit cards with lengthy introductory interest periods of 0 percent. Not anymore. ... (more)

Australian credit cards and statistics -- Our ongoing series heads Down Under for a look at credit card use and credit card statistics in Australia. ... (more)

10 questions to ask about layaway plans -- Looking to layaway? Here are 10 questions to ask that will help you find a good layaway plan -- and avoid those that should be thrown away. ... (more)

Should you sign your credit card or write 'See ID' on it -- Writing 'See ID' in lieu of a signature is supposed to make a credit card invalid, but the reality is different. ... (more)

How credit card balance transfers affect your credit score -- When a consumer is faced with a high-rate card, switching to a lower-rate card is smart, if you do it right. ... (more)

What is debt reaffirmation? -- Reaffirming a loan can be necessary, but too many consumers say debt collectors tricked them into doing it accidentally. ... (more)

6 bad reasons debtors reaffirm debt -- Emotions, lack of knowledge and even deception can play a role in a debtor's decision to reaffirm a debt. ... (more)

9 questions to ask before you reaffirm an old debt -- You need facts to decide whether to reaffirm a debt. These questions will ferret them out. ... (more)

5 steps to avoid identity theft at the register -- Here are some steps you can take to make sure that you aren't victimized by credit card fraud when using your card in person at a retailer. ... (more)

Free credit report -- how to get the actual free ones -- The federal government has mandated the three major credit bureaus give free credit reports to consumers at least once per bureau per year. Here's how to get yours. ... (more)

Identity theft sample letters -- If you've been a victim, this step-by-step guide and set of printable letters can help retrieve your name. ... (more)

Can credit repair companies ruin your credit score? -- With $23,000 in credit card debt, can a credit repair company erase or reduce that debt legally without hurting your credit score? ... (more)

Credit card scam: credit card shaving -- Forget high-tech hacking. This credit card scam relies more on X-Acto knives and glue sticks than wi-fi and laptops but can help criminals steal your money just the same. ... (more)

American Express tops customer satisfaction chart in J.D. Power survey -- J.D. Power 2008 customer satisfaction survey ranks the top 18 credit card issuers. ... (more)

Establish retirement priorities when paying off debt -- Using retirement funds to pay off high-interest credit card debt? Not such a good idea, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Pros and cons of using social lending for credit card debt consolidation -- Social lending can be a good choice for consolidating and retiring credit card debt, but has drawbacks ... (more)

How to use social lending to consolidate credit card debt -- Shedding credit card debt is the most common cause that people seek loans on 'social lending' sites such as Prosper. ... (more)

Patience is key to credit score repair -- It takes time and patience for your credit score to rise after you pay off neglected credit card debt, says CreditCards.com columnist Todd Ossenfort. ... (more)

Pregnancy or paying down debt? How to fit a baby into your financial future -- Your heart -- or your ticking biological clock -- says it's time to have a baby. Your credit card bill, however, may be saying something else. ... (more)

It's fraud when an ex opens credit cards in your name -- It's theft when an ex uses your Social Security number to open credit cards in your name, and should be reported to the police and credit bureaus. ... (more)

Poll: Snooping and arguments go along with joint credit -- Sharing a credit card account? Expect arguments, snooping and maybe canceling a card, says a new CreditCards.com poll. ... (more)

Graphs: Snooping and arguments go along with joint credit -- Graphs of CreditCards.com 'Taking Charge' survey on sharing credit card accounts. ... (more)

When is the right time to retire a student credit card? -- If your student credit card has a low credit limit and high interest rate, you should look to graduate to a better card. ... (more)

Inheritance strategy: Pay off credit cards, evaluate the mortgage -- When you inherit money, it's important to pay off debts, starting with those carrying the highest interest rate. ... (more)

Back-to-school credit card advice for students, parents -- Tips for financing the school year, dealing with credit wisely and learning how to finance post-graduation life. ... (more)

Protect your computer -- and your identity -- on campus -- Students heading to college need to take precautions to protect their computers and the sensitive information they contain. ... (more)

Unpaid car lease fees can ruin your credit -- When the lease is over, but over-mileage fees remain, don't leave them unpaid or your credit will take a big hit. ... (more)

Good dog, bad bill: Veterinary care financing options -- Pet owners have more veterinary treatment choices than ever, which is good for pets, but can strain on finances. We review the payment options. ... (more)

How Americans pay for college: A lot of borrowing -- Credit cards are rarely used to pay college costs, a new survey says, and when they are, it's mostly out of desperation. ... (more)

CreditCards.com 'Taking Charge' survey, part 2: People adapt card use to changed economy -- A new CreditCards.com survey suggests the financially fit are surviving the economic downturn, but others are not. ... (more)

CreditCards.com 'Taking Charge' graphs, part 2: People adapt card use to changed economy -- These graphs show how Americans are adapting to a changed economic landscape. ... (more)

10 ways students can build good credit -- A good credit score is more important than ever, and experts say following these 10 steps can put a student on the right credit path. ... (more)

Cancel that credit card, take the credit score hit -- Yes, canceling a credit card can hurt a credit score, but it's worth it if you're struggling, says The Credit Guy. ... (more)

Tinsel meets plastic: Top 10 Hollywood credit card movies -- Plastic plays a key role in these films -- and teaches money lessons, too. ... (more)

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (more)

Hiding credit card debt -- The exact number of men and women who hide credit card debt from a partner isn't known, but anecdotal evidence and interviews with financial planners suggest that the problem is widespread. ... (more)

Tips for uncovering, dealing with hidden credit card debt -- If you find a loved one has hidden debt, you could scream, fight or even ask for a divorce. Experts, however, say there are better choices. ... (more)

Could you live without credit cards? Here's how some people do -- Forgoing credit cards and leading a cash-only lifestyle today seems as foreign as mailing a handwritten letter: We know some people do it, but it's hard to understand why. ... (more)

Surprise! Unexpected items can appear on a credit report -- Hoping to keep your credit score up? You’ll not only want to stay current with your credit card bills, mortgage payments and student loans -- you may also need to pay any outstanding library fines ... (more)

Buying investments with credit cards? It's unavailable, and unwise -- Laws and regulations exist that determine and limit how much you can use borrowed funds (including credit cards) to purchase investments. ... (more)

Even credit card purchases at home may now trigger 'international' fee -- Credit card purchases may be 'international,' even if you aren't. ... (more)

Interactive guide: Learn to read, understand your credit report -- This interactive guide displays an example of a personal credit report and explains how each part works. ... (more)

Financing a funeral: All options have pluses, minuses -- What is the best way to pay for funeral expenses? All the methods of paying have pluses and minuses. ... (more)

Authorized user 'piggybacking' for better credit score given reprieve by FICO -- A controversial score-raising technique that had been slated for phase-out gets new life. ... (more)

Lending crisis leads to cutting credit limits, hurting consumers' scores -- Cowed by the lending crisis, card issuers are quick to cut credit limits, an act that lowers the ratio of used to available credit, which hurts credit scores. ... (more)

What to do if a credit card issuer cuts your credit limit -- You have alternatives to regain your limit -- and a higher credit score. ... (more)

Understanding the Servicemembers' Civil Relief Act -- a law that eases debt burden for active military -- The Servicemembers' Civil Relief Act -- born in 1940 as the Sailors' and Soldiers' Civil Relief Act -- aims to ease the debt burden for those called to actively serve. ... (more)

Stepping up for America's military men and women -- While federal law guarantees some debt relief for soldiers, many top credit card issuers ease the burden of debt for active military by offering protections significantly beyond what the law requires. ... (more)

How one spouse's good credit score can boost a poor credit score -- There are ways your good credit score can boost your spouse's poor credit score, but make sure you both set up solid financial goals first and don't stray from the plan, says To Her Credit columnist Sally Herigstad. ... (more)

Low interest rate and rewards credit cards can put cash back in your pocket -- With food and gas prices escalating, Americans need to budget more carefully than ever before, including resisting the short-term solution of charging up debt on credit cards. ... (more)

What happens to credit card debt if a bank fails? -- If a card-issuing bank were to fail, consumers would still owe the money and have to pay it -- but to someone else. Terms might change, too. ... (more)

When is a credit card's 'fixed rate' not really fixed? -- If you sign a credit card agreement with an issuer that claims to practice 'universal default,' your 'fixed' interest rate can be raised at any time. ... (more)

Proposed credit card rule changes draw massive public comment -- Consumers have turned out in force to support proposed Fed rules reining in the practices of credit card issuers. ... (more)

13 greatest credit card songs: How cards, debt are seen in popular music, songs -- Songs about money are a dime a dozen. But where's the love for credit cards? We found it. Here are 13 songs by everyone from George Strait to Whitney Houston. ... (more)

Foreign transaction fees and rules for the top credit card issuers -- Here are the foreign transaction fees, also known as currency conversion fees, charged by top American credit card issuers to consumers who travel abroad. ... (more)

How to dispute a credit card bill with a merchant -- Dissatisfied with a merchant's product or service? If you do it right, your credit card issuer may step in to help. ... (more)

After creating a debt management plan, stick to it -- CreditCards.com columnist Todd Ossenfort strongly recommends that once you're in credit counseling, stick to the goals set up in a debt management plan and avoid temptation to get into more debt. ... (more)

Is selling your house to pay down debt a good idea? -- A reader who has $75,000 in credit card debt wants to know if selling her house to pay off debt is a good idea. ... (more)

12 debt questions to ask before getting married -- Before you say, "I do," you should get to know each other's financial health, and nothing says it better than your credit report. Here are 12 questions to ask your betrothed. ... (more)

Who's responsible for a deceased spouse's card debt? -- When a spouse dies, credit card debt may or may not be passed along to a widow. ... (more)

Fed's G.19 report shows credit card use rebounded in May -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward/downward in May 2008. ... (more)

Poll: Credit card debt the new taboo conversation topic -- Religion, politics and sex, move over. Discussing credit card debt is the new taboo. People would rather talk about anything -- their weight, their health problems, the death of a loved one, even details of their love lives --- rather than talk about their credit card debt. ... (more)

Canceling a credit card vs. keeping a bad one: Compare costs -- Weighing the true cost of canceling a credit card with an annual fee: How much will it hurt your credit score? ... (more)

Five-year-old credit card debt has debt collectors calling -- With a job loss and 5-year-old credit card debt and only Social Security income, a reader needs a lot of help -- starting with knowing her rights, says Maturing Loans columnist Alan Klayman. ... (more)

Credit checks for job applicants become more common -- Increasingly, job hunters are required to allow credit checks during the application process. It's legal, but the applicant has rights, too. ... (more)

Credit repair good guys: How to find legitimate reselling and rescoring firms -- Credit repair firms say they can boost your credit score, but it's credit resellers who do the job for less hype, less money and less mystery. ... (more)

More colleges offer courses in money, debt management -- Basic personal finance is not typically on the short list of required college courses, but universities are realizing that the more they teach students how to manage their money now, the more prepared they are to ward off debt in the future. ... (more)

Adulthood, legal rights and credit cards: Turning 18 with a credit card -- At 18, young adults can apply for credit. Can you -- or your teenage son or daughter -- handle it? ... (more)

Micropayments: a strategy to cut credit card debt -- Big credit card bill too much to handle? Try multiple monthly payments. It can whittle debt faster and align billing with paycheck. ... (more)

5 sneaky credit card tricks -- and how to beat the bank -- Just like Three-Card Monte, these tricks can clean out your wallet faster than you can pick a card, any card. ... (more)

Saving for emergencies, retirement come before paying off credit card debt -- Creating an emergency fund and contributing to your retirement fund should always come before paying off credit card debt. ... (more)

Charging up a storm before filing bankruptcy is considered fraud -- Thinking of loading up your credit cards before you file bankruptcy is considered fraud. ... (more)

Business credit scores: What they are, how to boost yours -- Just as an individual has a credit score, so does a business. As with individual scores, the number determines whether your business gets credit and at what rate. ... (more)

Lunch money goes cashless in many school cafeterias -- Getting your lunch money stolen is so 20th century. Today's school students pay for school lunches with ID cards and fingerprint scanners. ... (more)

Relatives must be careful when asked to co-sign on a credit card. -- Relatives must be careful when asked to co-sign on a credit card. ... (more)

Tips for comparing gas cards and escaping high fuel prices -- We'll help you cope with the rising cost of gas, beware pump-side scams and learn smart ways to finance fuel costs. ... (more)

Consumers could see refunds from $200 million for 'fee harvesting' credit cards -- Federal regulators are seeking $200 million in restitution for consumers from a major credit card marketer and two banks for how they marketed and issued subprime credit cards. ... (more)

When your parents' debt problems need attention -- Seniors can easily become overwhelmed with credit card debt. Here's some advice how to help them. ... (more)

Using a debit card for travel: problems and risks -- Debit cards are popular, but are not always the best choice for travel. ... (more)

Good credit customers: Shop around for the best interest rates -- If you have good credit, it pays to shop around for lower interest rates. ... (more)

When a child obtains a credit card, who's liable for debt? -- A 15-year-old charges up $2,000 in credit card debt. Her parents wants to know who is responsible for paying off the balance. ... (more)

Credit card rewards programs: Read the fine print to avoid pitfalls -- Cardholders must read the fine print to understand clearly how their credit cards programs work. ... (more)

Helping your college-age child establish credit -- Students with their first credit card can be dangerous, so parents of should help their college-age children create a spending plan, says The Credit Guy. ... (more)

Dividing credit card debt in divorce -- In divorce decrees, one party often agrees to pay off a jointly held debt. But if your ex turns out to be the deadbeat you always said, creditors will come after you, too. ... (more)

9 tips for dividing credit card debt -- Got credit card debt? Going through a divorce? These steps will help you cope -- and not get stuck with your ex's tab. ... (more)

Do-it-yourself credit cards studied -- Based on her research of low-income women, a Harvard lecturer says they would be better served by a 'self-directed credit card,' allowing them to set their own credit card limits and restrictions. ... (more)

Are you a credit card rookie? Here's how credit cards work -- There are all kinds of credit cards with all kinds of different rules. Make sure you pick the right card for you. ... (more)

Credit card travel tips -- From airline frequent flier miles to foreign currency conversion, know the rules of the road before you hit the road this summer. ... (more)

How canceling a credit card will impact your credit score -- Elements to consider when canceling a long-standing credit card and how that cancellation will impact your credit score. ... (more)

Credit cards and terrorism: How terrorists use cards -- Interviews with terrorism experts and readings of case studies from around the world reveal that the credit cards have become a favored tool of terrorists. ... (more)

Are you smarter about credit cards than a fifth grader? -- You may be surprised at how closely a child's view of the credit card world comes to the actual way plastic works -- as opposed to the carefree convenience touted in most credit card television commercials. ... (more)

Cashless campus 2.0: Student IDs evolve into multiuse payment systems -- Today's student ID cards open doors to dorms and labs, earn discounts with local merchants, sub-in for loose change at vending and copy machines, and even help with the laundry. ... (more)

3 must-ask questions for multiuse campus / student ID cards -- Campus cards, like anything involving money, are not free from potential pitfalls, and the cards' fees and policies can be as different as Buckeyes and Wolverines. ... (more)

Authorized user or joint account holder? -- There are major differences between an authorized user and joint account holder for credit card accounts. One is liable for unpaid balances and the other is not. ... (more)

When balance transfers make sense -- There's no sense in delaying balance transfers to lower interest rate credit cards if your credit is good. ... (more)

Top 10 ways students ruin their credit -- College can be a great time to enjoy independence and build a foundation for the future, or an opportunity to begin their careers with unnecessary credit card debt. ... (more)

Business credit cards: 5 ways to avoid being stung -- Compared to business loans, credit cards are easy to get. But that makes them easy to abuse, too. Here are 5 ways to avoid getting stung. ... (more)

Two years behind on credit card payments -- How do you even begin to pay back credit card debt that is two years old? ... (more)

Your credit card personality: The Diva / Big spender -- You work hard. You play hard. You like the best of everything. After a tough day at work, you'll tell yourself you deserve a treat, whether it's a new pair of shoes or the latest gadget on the shelf. Many of your purchases are impulse buys. Occasionally, this gets you into trouble when your purchases extend beyond your financial means. ... (more)

Your credit card personality: The Futurist -- You're willing to sacrifice short-term pleasure for long-term gain. You've got your finances under control, you don't often feel the need to splurge, and you like to think carefully about the best way to spend your money. ... (more)

Your credit card personality: The Newbie -- You're finally out on your own -- so now what? You're inexperienced with credit and while you're ready to test the waters, you don't want to get in over your head. You're probably busy with school, a new job or a new place to call home, so keeping an eye on your finances may not feel like your top priority. ... (more)

Your credit card personality: The Veteran -- You're responsible, organized and rarely get in over your head, financially or otherwise. You know your way around a budget, you've got good credit and you pay your bills on time and in full. ... (more)

Extreme credit card limits -- One of the cardinal rules of responsible credit card usage is to apply for only as much credit as you need. A sizable group of consumers take a different approach: Apply for as much credit as you can get. ... (more)

Credit card etiquette: How to politely win credit disputes -- Etiquette experts say that when credit disputes and problems arise, don't reach out and crush someone. Win with courtesy. ... (more)

Card issuers apply payments to lower interest rate balances first -- Balance transfers, cash advances and purchases typically have different APRs. Card issuers apply payments to lower interest rate balances first. ... (more)

Self control and credit cards -- Don't shun credit because you've had trouble with overspending in the past. A strategy of taking on credit in small doses is better for you, says Sally Herigstad. ... (more)

Credit issuers becoming less willing to cut deals with debtors -- Credit counseling agencies could once negotiate lower interest rates on behalf of debt-ridden clients. But credit card issuers are no longer willing to be as forgiving. ... (more)

Environment survey: Americans not so eco-friendly with credit cards -- Americans may well be more environmentally conscious these days, but not if it means making major changes in how they use their credit cards, a CreditCards.com national survey shows. ... (more)

Credit inquiries and your credit score -- The Credit Guy explains how credit inquiries negatively impact your credit score and how long these inquiries remain on your credit report, as well as advises readers to not needlessly shop for credit. ... (more)

6 tips for dealing with binding mandatory credit card arbitration -- You're probably stuck with binding mandatory credit card arbitration. But these tips will help you cope. ... (more)

Credit card arbitration: What it is, how it works -- If you have a credit card, it's likely you've given up your right to sue if a dispute arises. Most card companies impose mandatory arbitration. ... (more)

How to ask for a lower credit card interest rate -- A reader asks To Her Credit columnist Sally Herigstad just how to go about asking for a reduction in her credit card APR. ... (more)

How to handle collection calls for a dead person's debt -- After a death, creditors may come calling. Here's what to say. ... (more)

What happens to credit card debt after death -- When someone dies with credit card debt, state laws and the original contract terms dictate who owes, and what must be paid. ... (more)

To co-sign or not to co-sign -- A mother wants to help her daughter buy a house, but due to the daughter's bad credit, will have to co-sign the loan. 'To Her Credit' columnist Sally Herigstad weighs the benefits and the risks of co-signing on someone else's loan. ... (more)

Airlines increase frequent flier sign-up bonus rewards for credit cards -- As lenders and airlines compete for the prized frequent flier demographic, credit cards are offering bigger and better airline mileage extras to woo new customers. ... (more)

Tax smarts: Maximizing income tax returns -- This series of articles will help you file your taxes and get the most out of your income tax returns. ... (more)

How to maintain retirement lifestyle while managing debt -- Debt complicates the calculation on how much you'll need to retire in comfort, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Automobile gas cards popularity falls -- Fewer people are using one-company gas credit cards to buy gasoline for their cars. Drivers want the freedom to choose different gas and payment methods. ... (more)

Auto gasoline cards: Compare gas cards -- CreditCards.com reviewed terms and conditions for the top 29 gas credit cards and found more rewards, cash back, points and rebates -- and no annual fees. ... (more)

Earth Day chores: 10 ways to go green with credit cards -- One of the best ways to go green in your daily life is to choose plastic, not paper. With credit cards, that is. ... (more)

Establishing credit after divorce -- A stay-at-home mom who finds herself divorced with no credit of her own gets a path to her own credit history from 'To Her Credit' columnist Sally Herigstad. ... (more)

Laid off, debt climbing -- If you have savings, there are ways to decrease reliance on credit cards by setting up a short-term income strategy, says Alan Klayman in the debut 'Maturing loans' column. ... (more)

Deep in debt? You may be able to cut a better settlement deal -- A recent drop in prices that debt buyers pay for bad credit card debts may give consumers negotiating settlements more room to negotiate. ... (more)

While paying off debt, learn investing, says 'To Her Credit' columnist Sally Herigstad -- If put off investing, you may get bogged down in trying to pay off your debts and never be able to start your portfolio. ... (more)

Credit to their generations: The Millennials -- The attitudes and behaviors of the Millennial Generation and how they use credit cards ... (more)

Credit to their generations: How Generation X views credit cards, debt -- The attitudes and behaviors of Generation X and how they use credit cards ... (more)

Credit to their generations: How baby boomers view credit cards, debt -- The attitudes and behaviors of the baby boomer generation and how they use credit cards ... (more)

Credit to their generations: How 'Greatest' and 'Silent' view credit, debt -- The attitudes and behaviors of the Greatest and Silent generations and how they use credit cards. ... (more)

Credit to their generations: How 'greatest,' boomers, Xers and Millennials differ on credit -- The attitudes and behaviors of different generations and how they use credit cards. ... (more)

Don't let a disability ruin your credit -- An unexpected illness or injury can send you into debt and sink your credit rating faster than you can say, 'I need disability.' ... (more)

Recession-proof your credit and finances -- Economic downturn. Temporary slump. Whatever you want to call it, you need to be prepared financially for economic ups and downs. ... (more)

Poll: Half of America won't spend their 'stimulus' rebate -- The president wants us to spend it, but most say saving and paying off debt are higher priorities for their economic stimulus rebate checks. ... (more)

Despite lingering online fears, virtual credit cards stall -- Although the paranoia that spawned them and the hoopla that accompanied their birth have died down, virtual credit cards are still available for those who want extra assurance. ... (more)

Consider all options before filing for bankruptcy, says The Credit Guy -- The reason that bankruptcy is recommended only as a last resort is because of the personal and financial toll a bankruptcy has on a person or family, The Credit Guy advises a reader. ... (more)

Card issuers' bad earnings reshape credit card offers -- The awful annual results reported by credit card issuers may not be felt only by shareholders. They have begun to cause pain to some credit cardholders, as well. ... (more)

Relocation and credit cards: managing credit and moving -- Prevent unnecessary expenses and maintain your credit score by keeping tabs on your credit cards and debt during a move. ... (more)

Debt collectors' ethics codes -- Associations of debt collectors try to curb abuses in the collections industry. ... (more)

11 tips for dealing with debt collection, collectors -- Deal with it, experts say. Otherwise, matters can only get worse. ... (more)

Debt collection sample letters -- Customize and print out these sample letters to put keep collectors behaving lawfully. ... (more)

Know your rights: Fair Debt Collection Practices Act -- Experts say consumers should face the facts and deal with debt collectors, but also know and understand their consumer rights and protections. ... (more)

Consumer credit woes mean boom in debt collection -- If you've never been contacted by a debt collector before, chances are growing you will. Collection activity has increased sharply as the economy swoons, and it's more important than ever for consumers to know their rights. ... (more)

529-linked credit cards help make college more affordable -- New credit cards link to 529 plans and function like cash-back credit cards, putting rebates into a college savings plan ... (more)

Best to skip most 'skip-a-payment' offers -- Offers by credit card issuers to skip a monthly payment can seem like a godsend, but if cardholders think such payment holidays are a free ride, they'd better think again. ... (more)

Keeping up credit while in jail may not be possible -- It's noble to want to help a jailed friend keep up his credit score while serving time, but unless you want to pay his bills, some things just aren't possible, says The Credit Guy. ... (more)

Tips for immigrants building a U.S. credit history -- America lures many who dream of living better. But when immigrants arrive, their credit histories rarely make the trip. ... (more)

10 wacky ways to spend 'stimulus' money -- Anyone can be responsible with the windfall from the economic stimulus package. But can you creatively blow the money? We could. Here are 10 ideas. ... (more)

10 wise ways to spend 'stimulus' money -- Here's 10 suggestions from experts for smart ways to spend the windfall from Uncle Sam's economic stimulus package. ... (more)

How to finance an engagement ring -- If you want her to marry you for richer and not poorer, study the fine print to make sure the bauble on her finger doesn't turn into a ball and chain on your newlywed finances. ... (more)

Banks may cut slack for tornado victims -- After dozens of tornadoes whipped through the South, killing at least 57 people, the federal government, banks and credit card issuers offer relief. ... (more)

Credit card balance transfers -- This series of articles will help you figure out the best way to transfer and consolidate the balance of your debt. ... (more)

Use corporate credit cards wisely -- Used wisely, corporate credit cards can help you achieve career goals and reap personal perks. Used poorly, they can lead to a corporate freefall, or at least a drop of a few rungs. ... (more)

Dad co-signed, I messed up his credit. Now what? -- You ruined Dad's credit score by running up a big debt on a card he co-signed for you, but no, you didn't cost him his house, The Credit Guy advises a reader. ... (more)

6 tips for organizing gift, debit and credit cards -- Between gift cards, debit cards and credit cards, you can end up with a lot of plastic. Here are six organizing tips. ... (more)

Credit card spending increases for health care -- A CreditCards.com poll found that nearly two out of three Americans say they or their family could face hard financial times if they experience a serious illness. ... (more)

Health care credit cards rise to fill insurance gap -- As the ranks of the uninsured soar, a new generation of health care cards is emerging on the market, but not everyone is cheering their arrival. ... (more)

CreditCards.com poll results: Credit and health care costs -- A CreditCards.com poll finds a majority of Americans realize that inability to pay their share of health care costs has the potential to wipe them out financially. ... (more)

15 tips for paying high medical bills -- Savvy consumers should comparison shop for payment options when paying for medical expenses. Here are some helpful tips to cope with high medical bills. ... (more)

How to opt out of credit card rate increases -- If you've been notified that your interest rate is going to jump, you can pay your credit card off at the old rate, but you lose use of the card, says The Credit Guy. ...