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	<title>The Truth About Credit Cards.com</title>
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	<link>http://www.thetruthaboutcreditcards.com</link>
	<description>Credit help and credit repair</description>
	<pubDate>Sat, 04 Jul 2009 01:42:15 +0000</pubDate>
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		<title>Does a Credit Check Lower Your Credit Score?</title>
		<link>http://www.thetruthaboutcreditcards.com/does-a-credit-check-lower-your-credit-score/</link>
		<comments>http://www.thetruthaboutcreditcards.com/does-a-credit-check-lower-your-credit-score/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 01:29:09 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=865</guid>
		<description><![CDATA[
People often wonder if it’s harmful to have your credit report pulled.  So, “does a credit check lower your credit score?”
Well, like all things in the credit score realm, it depends.  Sigh.  There are a number of different reasons to run a credit check, and thus the confusion.
Let’s knock out the easy ones first.  If [...]]]></description>
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		<title>Chase Balance Transfer Fees Climbing to Five Percent</title>
		<link>http://www.thetruthaboutcreditcards.com/chase-balance-transfer-fee-five-percent/</link>
		<comments>http://www.thetruthaboutcreditcards.com/chase-balance-transfer-fee-five-percent/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 20:54:02 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=776</guid>
		<description><![CDATA[
Chase has begun to raise credit card balance transfer fees to as much as five percent on some of its credit cards, according to Bloomberg.
The move is the result of increased regulations and supposed costs related to new credit card rules recently signed by President Obama, set to go into effect in August.
Among the changes [...]]]></description>
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		<title>What Credit Score Do You Need to Get a Credit Card?</title>
		<link>http://www.thetruthaboutcreditcards.com/what-credit-score-do-you-need-to-get-a-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/what-credit-score-do-you-need-to-get-a-credit-card/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 20:34:14 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=737</guid>
		<description><![CDATA[
A frequently asked question in the credit realm seems to be “what credit score do you need to get a credit card?”
Unfortunately, the answer to this question isn’t one simple three-digit number, but rather a variable answer dependent on a number of factors.
Let’s put it this way; you could have a higher credit score than [...]]]></description>
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		<title>Cut Credit Lines Don’t Really Lower Credit Scores</title>
		<link>http://www.thetruthaboutcreditcards.com/cut-credit-lines-dont-lower-credit-scores/</link>
		<comments>http://www.thetruthaboutcreditcards.com/cut-credit-lines-dont-lower-credit-scores/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 20:18:18 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=687</guid>
		<description><![CDATA[
Cut credit lines aren’t impacting credit scores as much as some seem to think, according to a study by Fico.
The creator of the Fico score, which studied credit scores between April and October of 2008, found that 16 percent of U.S. consumers experienced a reduction in revolving credit during that time.
Of those consumers, 11 percent [...]]]></description>
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		<title>FDIC to Limit High Paying Savings Accounts at Weak Banks</title>
		<link>http://www.thetruthaboutcreditcards.com/fdic-to-limit-high-paying-savings-accounts-at-weak-banks/</link>
		<comments>http://www.thetruthaboutcreditcards.com/fdic-to-limit-high-paying-savings-accounts-at-weak-banks/#comments</comments>
		<pubDate>Fri, 29 May 2009 16:57:20 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=657</guid>
		<description><![CDATA[
The FDIC, which controls the nation’s largest thrifts, voted to ban struggling banks from offering excessively high interest rates on savings accounts to lure in customer deposits.
It’s unclear what that exact number is, as it was characterized as those that “significantly exceed” prevailing market rates.
Most banks currently are offering rates around 1.50% APY, though more [...]]]></description>
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		<title>Higher Fees, Rates May Be Downside of Credit Card Rule Changes</title>
		<link>http://www.thetruthaboutcreditcards.com/higher-fees-rates-may-be-downside-of-credit-card-rule-changes/</link>
		<comments>http://www.thetruthaboutcreditcards.com/higher-fees-rates-may-be-downside-of-credit-card-rule-changes/#comments</comments>
		<pubDate>Wed, 27 May 2009 16:20:01 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=652</guid>
		<description><![CDATA[
With credit card rule changes on the horizon, many cardholders are probably looking forward to a more level playing field devoid of excessive fees and other shady practices.
But we all know big business will find a way to make up the difference, and that’ll likely come in the way of new fees and higher interest [...]]]></description>
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		<title>Get a Free Credit Report Without a Credit Card</title>
		<link>http://www.thetruthaboutcreditcards.com/get-a-free-credit-report-without-a-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/get-a-free-credit-report-without-a-credit-card/#comments</comments>
		<pubDate>Tue, 19 May 2009 18:40:37 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit Help Links]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=647</guid>
		<description><![CDATA[
Federal law has made it simple to get a free credit report without a credit card instantly, online.
That’s right; you don’t have to buy into those so-called “free credit report” gimmicks to get your hands on your credit report instantly.
Those companies promise free viewing of your credit report and credit score for a certain length [...]]]></description>
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		<title>Chase Sapphire Card</title>
		<link>http://www.thetruthaboutcreditcards.com/chase-sapphire-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/chase-sapphire-card/#comments</comments>
		<pubDate>Wed, 13 May 2009 18:01:45 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=641</guid>
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The new high-end “Chase Sapphire Card” is being rolled out soon for select existing credit card holders.
It’s unclear what the credit card actually offers, but I received a letter in the mail from Chase concerning the card yesterday.
It read: “Thank you for being one of our most valuable customers.  We’re recognizing your loyalty with an [...]]]></description>
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		<title>20 Million Credit Cards Were Closed Last Month</title>
		<link>http://www.thetruthaboutcreditcards.com/20-million-credit-card-accounts-were-closed-last-month/</link>
		<comments>http://www.thetruthaboutcreditcards.com/20-million-credit-card-accounts-were-closed-last-month/#comments</comments>
		<pubDate>Mon, 04 May 2009 18:12:07 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit News]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=636</guid>
		<description><![CDATA[
If you’re curious how bad it’s getting in the credit card world, a new report from Equifax might be a pretty clear wake up call.
Last month, banks closed a whopping 20 million credit card accounts, according to data from credit bureau Equifax obtained exclusively by Reuters.
The total number of credit cards has now fallen by [...]]]></description>
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		<title>Is ID Required for a Credit Card Purchase?</title>
		<link>http://www.thetruthaboutcreditcards.com/is-id-required-for-a-credit-card-purchase/</link>
		<comments>http://www.thetruthaboutcreditcards.com/is-id-required-for-a-credit-card-purchase/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 20:42:35 +0000</pubDate>
		<dc:creator>thetrut2</dc:creator>
		
		<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=630</guid>
		<description><![CDATA[
Credit card rules are often gray, what with the fact that multiple companies are operating in the same space.
Then you’ve got the merchants’ own rules, which sometimes don’t coincide with the terms of Visa, MasterCard, or American Express, whether they are contractually acceptable or not.
That brings us to a common question regarding identification and credit [...]]]></description>
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