People with fair credit have just been elevated to a status once reserved only for those with good to excellent credit – Rewards Worthy! Heretofore, credit cards with cash back rewards have rarely been offered to credit newcomers or rebuilders. And, while they may have felt somewhat privileged for just having credit extended to them, [...]
Continue Reading →If you are one of the millions of people who are trying to climb their way out of a financial hole with hopes of rebuilding their credit and “doing it right” this time, chances are you have received dozens of “pre-qualified” or even “pre-approved” credit card offers. While they may appear as a potential step [...]
Continue Reading →Unless you are among the unbanked or underbanked in America, those who by choice or circumstance don’t show up on the banking grid, you have come to realize that it is virtually impossible to get through life without the use of plastic. You need a credit card to make purchases online, to book travel, and [...]
Continue Reading →Credit card vs debit card which do you think is the smartest choice? Ever since the financial crisis, consumers have turned over a new leaf with regards to their use of credit, which is why debit card usage has skyrocketed in the last few years. For many people it was out of necessity, as their credit [...]
Continue Reading →For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult [...]
Continue Reading →Identity thieves and credit card scammers are more relentless than ever in their pursuit of your personal financial information, and as more people are opting to conduct their shopping and their financial transactions online, the number of credit card scams increases proportionately. Armed with nothing more than a computer keyboard and a geek’s knowledge of [...]
Continue Reading →It’s been a long time since we have seen credit card issuers offering 0% APR for 12 months AND no balance transfer fee. Since the credit melt-down, almost every card issuer charges at least 3% for people to transfer balances; that’s a lot of money for people with high balances! The Slate from Chase – [...]
Continue Reading →The Southwest credit card 2 Free Flights is an offer too good to pass up!! At a time when most travel rewards credit cards are tightening the reins on their mileage programs, one is bucking the trend by making it ridiculously easy to earn free flights. For a limited time, the Southwest Rapid Rewards Plus [...]
Continue Reading →You’ve seen the commercials with people blissfully depositing checks straight through their smart phones, or the father making an emergency fund transfer to aid his daughter stranded in a foreign land. Mobile banking is indeed sweeping the country. It’s convenient, it’s cool, and it’s safe, that according to security experts who understand something about encryption [...]
Continue Reading →Many people would have a difficult time managing their finances without credit cards, and small businesses that need to cover short term shortfalls and manage their cash flow are no different. And, it’s important for small businesses to establish credit so they can have access to the financing needed to expand. Credit cards for small [...]
Continue Reading →Bank of America debit card fees, what this means to you. The real question is; will other banks likely follow suit? If so, how will it affect consumers? It was only a matter of time. The banking industry, which has seen its profits squeezed as a result of bad loans and more costly regulations, has [...]
Continue Reading →Ask anyone who has had a run-in with an incompetent or rude customer service rep from a credit card company and they will tell you to forget about the APR and the other bells and whistles when deciding on which card company to go with. Most will tell you that the lower APR or the higher rewards points are just not worth the aggravation of dealing with poor customer service, especially when things go wrong.
Continue Reading →When a bank issues you a credit card it plans to generate revenue from you for at least four years by charging you interest and collecting a host of fees. If you carry a balance on your credit cards, your business will be very profitable for the bank. Why then do they insist on shaking us down for even more of our money every time we make a call to their customer service?
Continue Reading →You get a call one night from the security and fraud investigation division of VISA. The caller identifies himself, provides an identification number and then proceeds to tell you that your card with numbers ending with 4723 has been flagged for fraudulent activities.
Continue Reading →While the Credit Card Act may have sent a message to the banking industry that they are being more closely watched, the Act did little to prevent banks from shrewdly skirting many of its intended purposes – which were largely aimed at capping the amount they could charge consumers.
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