Click to compare
credit cards and save!
Featured Article
Credit Card Rates
    Avg. APR
Low Interest   11.62%
Business   12.85%
Student   13.14%
Balance Transfer   14.13%
Airline   15.10%
Reward   15.12%
Cash Back   15.26%
Instant Approval   17.93%
Bad Credit   22.73%
Updated: 2015-05-22
Source: CreditCards.com

Video: Tips for using mobile gift cards

By Sienna Kossman
Published: May 21, 2015

Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too

>> Read Entire Story
Credit Card News Categories
Recent News
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Low interest, zero percent cards
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Credit card interest rates sit tight at 14.92 percent --May 6, 2015: Interest rates on new card offers remain locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Average APR on new card offers remains at 14.92 percent --April 29, 2015: Interest rates on new card offers held steady Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report. ... (more)
Balance transfer, debt consolidation
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
How to combat 5 common female financial fears --Female financial professionals describe the fiscal woes women typically shoulder and how they can be managed -- or avoided altogether... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Credit card interest rates sit tight at 14.92 percent --May 6, 2015: Interest rates on new card offers remain locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Debt shifting helps your score, but paying it off is better --Using balance transfers to shift a pile of debt so it's evenly distributed across cards can help a credit score, but paying off the debt helps much more... (more)
Reward programs
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Finding a single reward card for the whole family --If you're looking to consolidate all household charges on one statement, consider adding family as authorized users... (more)
5 tips for negotiating rewards cards' annual fees --Credit card issuers can be surprisingly receptive to cardholders who are seeking a break on their annual fees. They won't always waive them, but you may walk away with a discount or bonus points... (more)
How I fared when I asked for fee waivers on rewards cards --CreditCards.com reporter Tony Mecia tries his hand at getting a deal on his annual fees. The results were encouraging... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Frequent flier programs, airline rewards
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Finding a single reward card for the whole family --If you're looking to consolidate all household charges on one statement, consider adding family as authorized users... (more)
5 tips for negotiating rewards cards' annual fees --Credit card issuers can be surprisingly receptive to cardholders who are seeking a break on their annual fees. They won't always waive them, but you may walk away with a discount or bonus points... (more)
How I fared when I asked for fee waivers on rewards cards --CreditCards.com reporter Tony Mecia tries his hand at getting a deal on his annual fees. The results were encouraging... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Business credit cards
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
To get a business loan, you may need to buff personal credit --Getting business credit before establishing good personal credit is like trying to learn to run before you can crawl. Take the first step by establishing good credit practices... (more)
Defaulted business cards result in tax liability --Canceled business card debt can resurface as income owed to the IRS... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Your rights when disputing fraudulent charges on a business card --If a fleet card that wasn't being used by a small bushiness is suddenly maxed out, the owner's right to dispute and void the charges is similar to the rights for consumer cards... (more)
Student credit cards, young credit
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
New US resident must rebuild credit --Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over... (more)
US proposes anti-steering rules on campus cards --A proposed federal rule restricts marketing and fees on campus-affiliated cards that are lucrative for the schools but not the best choice for students... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Credit card interest rates sit tight at 14.92 percent --May 6, 2015: Interest rates on new card offers remain locked in place this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Bad credit, credit repair
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Card offer in someone else's name probably not ID theft --Keep up your guard, but sometimes junk mail is just junk mail... (more)
How to combat 5 common female financial fears --Female financial professionals describe the fiscal woes women typically shoulder and how they can be managed -- or avoided altogether... (more)
Spotlight: People and their plastic
How 'microresolutions' can transform your finances --'Small Move, Big Change' author Caroline Arnold was tired of failing her New Year's resolutions, so she took a bold step to break them down in achievable actions ... (more)
Q&A 'Future Crimes' author Marc Goodman --Technology is rapidly evolving and so is cybercrime. Marc Goodman, author of "Future Crimes: Everything Is Connected, Everyone Is Vulnerable, and What We Can Do About It," explains... (more)
Applying repeatedly for credit after being turned down makes it worse --If your response to being turned down for credit has been to apply over and over again, stop. You're making it worse. Before you do anything else, find out why... (more)
Q&A with Ron Lieber: How to raise unspoiled kids --New York Times personal finance columnist and "The Opposite of Spoiled" author Ron Lieber touts the benefits of teaching financial decision-making at an early age... (more)
'Spam Nation' author Brian Krebs sheds light on card data black market --An insider on the digital black market, Brian Krebs uncovers major credit card breaches before the big retailers know what hit them. He takes readers along in his book "Spam Nation"... (more)
Merchant accounts
8 steps to fighting chargeback fraud --Credit card chargeback fraud is an ongoing problem for small businesses, which can have dire consequences. Though it's hard to detect, there are ways to fight back... (more)
7 tips for using online alternative business lenders --When banks turn them down for loans, small businesses are increasingly turning to online "alternative" lenders. The loans they provide can be a lifeline, but higher interest rates mean you should proceed with caution ... (more)
Card acceptance fees too high? Shop for a new merchant processor --Franchisees paying high credit card acceptance fees may lower them by shopping for a new merchant processor or promoting customers to pay by other means... (more)
Merchants can usually add credit card fees --Merchants in most states are allowed to tack on a surcharge or convenience fee when you use a credit card. But some states still ban surcharges and it's not always good business practice... (more)
Disputing an auto repair chargeback is possible but time-consuming --A warranty, labor costs and 500 miles of distance all complicate a chargeback that a car repair shop says is not legit. But there are ways to dispute the complex complaint... (more)
Emerging payment systems: Prepaid, debit, gift cards
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
On a foreign trip, should I use credit cards at ATMs? --The cards you use in the U.S. will probably work fine for international travels, but here are your options... (more)
How to shop (somewhat) anonymously --Worried about your personal information falling into the hands of data brokers or ID thieves? You can protect it at least somewhat without having to resort to cash-only buying... (more)
Most issuers like to know your travel plans --Most credit card companies want to know your travel plans to prevent fraud alerts. But you should also choose the right card and make sure you have different payment options... (more)
Video: Protect your privacy while using mobile shopping apps --If you use shopping apps on your smartphone, you may be sacrificing your privacy in ways you aren't even aware of. Here are four steps you can take to protect yourself... (more)
Credit account management
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
New US resident must rebuild credit --Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over... (more)
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
Research, statistics
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
How to combat 5 common female financial fears --Female financial professionals describe the fiscal woes women typically shoulder and how they can be managed -- or avoided altogether... (more)
Credit card interest rates stalled at 14.92 percent --May 13, 2015: Interest rates on new credit card offers held firm this week, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Innovations, features, new products
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
PayPal lending arm fined for deception, abuses --PayPal Credit, formerly known as Bill Me Later, misled customers and ratcheted up their costs with unfair practices, consumer bureau charges... (more)
5 tips for negotiating rewards cards' annual fees --Credit card issuers can be surprisingly receptive to cardholders who are seeking a break on their annual fees. They won't always waive them, but you may walk away with a discount or bonus points... (more)
Shopping
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
PayPal lending arm fined for deception, abuses --PayPal Credit, formerly known as Bill Me Later, misled customers and ratcheted up their costs with unfair practices, consumer bureau charges... (more)
Legal, regulatory, privacy issues
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
PayPal lending arm fined for deception, abuses --PayPal Credit, formerly known as Bill Me Later, misled customers and ratcheted up their costs with unfair practices, consumer bureau charges... (more)
8 steps to fighting chargeback fraud --Credit card chargeback fraud is an ongoing problem for small businesses, which can have dire consequences. Though it's hard to detect, there are ways to fight back... (more)
US proposes anti-steering rules on campus cards --A proposed federal rule restricts marketing and fees on campus-affiliated cards that are lucrative for the schools but not the best choice for students... (more)
Defaulted business cards result in tax liability --Canceled business card debt can resurface as income owed to the IRS... (more)
Expert Q&A
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
New US resident must rebuild credit --Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over... (more)
Finding a single reward card for the whole family --If you're looking to consolidate all household charges on one statement, consider adding family as authorized users... (more)
To get a business loan, you may need to buff personal credit --Getting business credit before establishing good personal credit is like trying to learn to run before you can crawl. Take the first step by establishing good credit practices... (more)
Credit scores, credit reports
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
New US resident must rebuild credit --Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over... (more)
To get a business loan, you may need to buff personal credit --Getting business credit before establishing good personal credit is like trying to learn to run before you can crawl. Take the first step by establishing good credit practices... (more)
How to combat 5 common female financial fears --Female financial professionals describe the fiscal woes women typically shoulder and how they can be managed -- or avoided altogether... (more)
All credit card news
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
Rate survey: Credit card interest rates jump to 14.99 percent --May 20, 2015: Average rates on new credit card offers rose Wednesday to their highest point in more than six months, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
To Her Credit
Finally got a zero balance? Good! Now change credit strategy --After paying off retail cards and shedding all debt, don't slam the door on credit. Keep accounts open and maybe use one occasionally to keep your score up... (more)
Defaulted business cards result in tax liability --Canceled business card debt can resurface as income owed to the IRS... (more)
Don't succumb to lure of debt settlement firm --Don't pay someone to reduce your debts when you can do it yourself for free... (more)
Even for old debt, settling beats other options --Even if the statute of limitations is almost up for an old debt, you're better off settling than ignoring the debt or declaring bankruptcy... (more)
401(k) accounts generally free from collection --After out-of-work husband runs up $30,000 on his wife's card, his wife wants to know if her 401(k) can be tapped for repayment... (more)
Opening Credits
New US resident must rebuild credit --Unfortunately, a positive credit file built up in another country doesn't follow you here. Here's how to start over... (more)
How to tell if a 'friend' stole your identity --Sharing too much information with sketchy "friends" can put you at risk... (more)
Cover sudden pet bills with emergency card --Having a $0 balance card on hand to cover an unexpected vet bill can be a smart move ... (more)
Saving for laptop trumps financing 'deals' --With a little motivation and patience, you can save hundreds by saving for that new laptop purchase instead of opting for a financing deal... (more)
Pay off loan with balance transfer card? --Using a 0 percent balance transfer card to pay off a high-interest personal loan can be smart if done right ... (more)
Cashing In Q&A columns
Finding a single reward card for the whole family --If you're looking to consolidate all household charges on one statement, consider adding family as authorized users... (more)
On a foreign trip, should I use credit cards at ATMs? --The cards you use in the U.S. will probably work fine for international travels, but here are your options... (more)
Most issuers like to know your travel plans --Most credit card companies want to know your travel plans to prevent fraud alerts. But you should also choose the right card and make sure you have different payment options... (more)
Transferring reward points to airlines often yields great value --For credit card rewards programs that allow you to either buy flights through their portals or transfer points to airlines, the latter is often the faster way to earn free flights... (more)
Finding the best card for travel upgrades --For business card seekers looking for hotel and airline upgrades, it pays to figure out where you spend the most, then investigate the networks of points programs... (more)
Credit card videos
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Video: Protect your privacy while using mobile shopping apps --If you use shopping apps on your smartphone, you may be sacrificing your privacy in ways you aren't even aware of. Here are four steps you can take to protect yourself... (more)
Video: Answers to your most-common EMV questions --As credit cards with secure chips begin to roll out across the U.S., we address some of the most frequently asked questions about them in a video interview with Smart Card Alliance head Randy Vanderhoof... (more)
EMV FAQ 2: Do I need a PIN for my EMV credit card? --New credit cards containing secure computer chips are being rolled out in the U.S. These EMV cards are sometimes called chip-and-PIN cards, which is confusing because you probably won't actually use a PIN like they do in other countries... (more)
EMV FAQ 3: Will EMV credit cards protect my online purchases? --New credit cards containing so-called EMV chips offer enhanced security for in-store purchases but not online purchases. In our ongoing series of frequently asked questions about EMV cards, Randy Vanderhoof, head of the Smart Card Alliance, explains why... (more)
Infographics
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
NY Fed: Debt in collection shrinks --The percentage of accounts in collections and the average size of those debts both shrank, according to new data from the New York Fed.... (more)
What ID thieves do with the financial data they steal --High-tech hackers get all the headlines, but an analysis of identity theft claims data by Travelers show the most common way stolen data gets used is a low-tech one: Thieves snatch a card, then go out and use it ... (more)
ABA study: Card delinquency stays low --Despite an uptick at the end of 2014, delinquencies for credit cards issued by banks remained well below the 15-year average, American Bankers Association research shows... (more)
Banks become more generous with card credit limits --Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (more)
Breaking news
Survey: Employees less likely to borrow on cards for necessities --A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving... (more)
Video: Tips for using mobile gift cards --Mobile gift cards can slim down your wallet while keeping your gift cards organized and safely password protected. They make great last-minute gifts, too... (more)
Poll: Fraud alert false alarms common --As banks get more aggressive in combating fraud, about 7 in 10 Americans contacted about possible fraud received at least one alert in error... (more)
PayPal lending arm fined for deception, abuses --PayPal Credit, formerly known as Bill Me Later, misled customers and ratcheted up their costs with unfair practices, consumer bureau charges... (more)
8 steps to fighting chargeback fraud --Credit card chargeback fraud is an ongoing problem for small businesses, which can have dire consequences. Though it's hard to detect, there are ways to fight back... (more)
Your Business Credit
To get a business loan, you may need to buff personal credit --Getting business credit before establishing good personal credit is like trying to learn to run before you can crawl. Take the first step by establishing good credit practices... (more)
Your rights when disputing fraudulent charges on a business card --If a fleet card that wasn't being used by a small bushiness is suddenly maxed out, the owner's right to dispute and void the charges is similar to the rights for consumer cards... (more)
Credit for startups almost always requires your Social Security number --You may be asked for an Employer Identification Number (EIN) but you will almost certainly have to supply a Social Security number too... (more)
Denied: 4 credit cards for 4 businesses --If you've got multiple businesses and keep getting turned down for business credit cards, consider other financing sources while you build credit for the companies... (more)
Card acceptance fees too high? Shop for a new merchant processor --Franchisees paying high credit card acceptance fees may lower them by shopping for a new merchant processor or promoting customers to pay by other means... (more)
Speaking of Credit
Why credit limits aren't revealed until after you get the card --Banks don't disclose what your credit limit will be until after you get the card, which means consumers are deprived of a piece of information critical to making an intelligent choice... (more)
Getting a mortgage? Pay debts, go easy on charging --The time between getting preapproved for a mortgage and the closing date on your home is crucial for your credit, so don't blow it by overborrowing... (more)
How mortgage settlements affect your score (and for how long) --It's been years since the recession thrust millions of homeowners into default. If you've paid your other bills, maybe you can qualify for another mortgage ... (more)
Debt shifting helps your score, but paying it off is better --Using balance transfers to shift a pile of debt so it's evenly distributed across cards can help a credit score, but paying off the debt helps much more... (more)
Why hard inquiries hurt your credit score --Hard inquiries can be triggered after you have asked for more credit or by trying to rent an apartment. Once a inquiry hits, your score is knocked down a couple of points, and here is why... (more)
Credit Wise
Card offer in someone else's name probably not ID theft --Keep up your guard, but sometimes junk mail is just junk mail... (more)
After one spouse dies, card debt likely affect the other --If one spouse dies owing substantial credit card debt, the living spouse can feel the effect, even if it was a solo account not in a community property state... (more)
Retail card account opens at your first purchase --After you use the card, get the discount and take home the merchandise, it's too late to change your mind -- the card has been activated... (more)
For sudden debt at age 75, the strategy's different --At age 75, with an unexpected $45,000 in post-divorce credit card debt, the strategies become different: Seek counseling, but consider cutting payments to the minimum... (more)
If you must pay less than the minimum, call and explain --If it's short-term problem, take the initiative and call. If it's a long-term problem, get credit counseling... (more)