8 Ways to Meet Minimum Spending Requirements for Credit Card Bonuses Get at Least 5% Cash Back on Virtually Everything You Buy with a Credit Card All Year The Best Credit Cards to Use Abroad for Free! What’s a Good APR for a Credit Card? Chase Sapphire vs. Chase Sapphire Preferred

8 Ways to Meet Minimum Spending Requirements ...

There are always lucrative credit card sign-up bonuses on offer, but in many cases you’ve got to spend an awful lot of money to actually ...

Get at Least 5% Cash Back on ...

There are plenty of people out there who are against using plastic. I understand that it can get you into debt and cause you to ...

The Best Credit Cards to Use Abroad ...

So you’re thinking about traveling abroad.  Sweet, but before you jump on that plane, there’s plenty to do to ensure you have a safe and ...

What’s a Good APR for a Credit ...

Credit card Q&A: “What is a good APR for a credit card?” Everyone always want the best, the lowest, the cheapest, etc. It makes perfect ...

Chase Sapphire vs. Chase Sapphire Preferred

These days it’s pretty common to see two versions of a certain credit card. The “preferred” version and the “classic” version. And perhaps one of ...

Latest Posts

What Is an Excellent Credit Score?

What Is an Excellent Credit Score?
August 6, 2009

For those obsessed with their credit score, I’ll attempt to answer the age old question, “What is an excellent credit score?” For the record, we’re talking about FICO scores, which are far and away the most common and widely used ... Read More »

Which Credit Score Do Lenders Use?

Which Credit Score Do Lenders Use?
July 31, 2009

We all know it can be tough to achieve and maintain a healthy credit score, but the task becomes much more difficult knowing that there are numerous credit scores out there. For simplicity sake, there are three main credit scores ... Read More »

Does a Credit Check Lower Your Credit Score?

Does a Credit Check Lower Your Credit Score?
July 3, 2009

Consumers often wonder if it’s harmful to have your credit report or credit scores 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 ... Read More »

Chase Balance Transfer Fees Climbing to Five Percent

Chase Balance Transfer Fees Climbing to Five Percent
June 24, 2009

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 ... Read More »

What Credit Score Do You Need to Get a Credit Card?

What Credit Score Do You Need to Get a Credit Card?
June 15, 2009

A frequently asked question in the consumer credit realm tends 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 ... Read More »

Cut Credit Lines Don’t Really Lower Credit Scores

Cut Credit Lines Don’t Really Lower Credit Scores
June 10, 2009

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 ... Read More »

20 Million Credit Cards Were Closed Last Month

20 Million Credit Cards Were Closed Last Month
May 4, 2009

If you’re curious how bad it’s getting in the credit card world, a new report from credit bureau Equifax might be a pretty clear wake up call. Last month, banks closed a whopping 20 million credit card accounts, according to ... Read More »

Is ID Required for a Credit Card Purchase?

Is ID Required for a Credit Card Purchase?
April 27, 2009

Credit card Q&A: “Is ID required for a credit card purchase?” 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 ... Read More »

Bank of America Raising Interest Rates on Credit Cards with Balances

Bank of America Raising Interest Rates on Credit Cards with Balances
April 10, 2009

Bank of America has become the latest credit card issuer to impose higher interest rates on customers who opt to carry a balance. Beginning in June, account statements will reflect the higher rate, which will generally rise from the single-digits ... Read More »

Credit Cardholders’ Bill of Rights Summary

Credit Cardholders’ Bill of Rights Summary
April 6, 2009

The so-called “Credit Cardholders’ Bill of Rights” has been inching its way closer to President Obama’s desk, so let’s take a look at what it includes to protect consumers from the mighty credit card issuers. By the way, Manhattan Congresswoman ... Read More »