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Nearly 1/3 of Parents Don't Communicate With Their Children About Paying for College; Here's How Not to be One of Them

June 26, 2015 GoodCall
According to a recent study, nearly a third of teens and parents are not on the same page about plans to pay for college. There is an alarming communication gap between teenagers and their parents about financial matters. Here's the advice from 10 finance and family experts on the best way for parents to talk to their children about paying for college and managing finances.

How to Use Credit Card Rewards for Savings

June 24, 2015 Huffington Post
Americans are fortunate enough to enjoy a robust market for credit cards. For some credit card users, it can seem like a good idea to use a card that earns cash back and dedicate these proceeds to their savings accounts. However, doing so is not as simple as it may appear, and it may not be the best use of your rewards. Here's how you can use your rewards for savings.

Use Credit Monitoring to Catch Errors Faster

June 23, 2015 Huffington Post
There are four basic ways that you can strengthen your own credit monitoring without much effort or difficulty. Implementing these strategies could prevent a financially devastating and stressful experience with credit card fraud or identity theft. Be sure to review your monthly statements, take advantage of free account features, monitor your credit, and seek professional help when necessary.

How Families Can Use Summer to Teach Kids About Money

June 22, 2015 Deseret News
The summer offers a terrific opportunity to teach your children some valuable financial smarts as they bring some income from a seasonal job. Children have shown that they learn to handle their money either the same way as their parents, or they learn from their parents' mistakes and handle it in a better way. Parents should encourage their children to identify specific financial goals and set an example.

4 Habits of Consumers With Poor Credit Scores

June 18, 2015 Huffington Post
Consumers with poor credit, have difficulty acquiring the necessities that lead to comfortable living. Obtaining an excellent credit score can be extremely difficult, especially if consumers with poor credit don't know what they're doing wrong. Here we provide a list of bad habits consumers with poor credit subject themselves to that's hindering their efforts to improve their credit score.

7 of the Worst Credit Card Mistakes You Could Make

June 18, 2015 Huffington Post
It's no secret that having a good credit score is essential to a healthy financial future. So why do so many people still struggle to reach a FICO Score of 740 or higher? One theory is that many individuals are making the same habitual mistakes and don't even realize that they're actively jeopardizing their credit score. Because of this, we've compiled a list of the seven most common credit card mistakes that will haunt your credit report for years to come.

5 Ways to Get Credit Bureaus to Remove Errors From Your Report

June 16, 2015 U.S. News & World Report
There is a right way and a wrong way to remove errors from your credit report. There is no easy way to remove credit errors. You simply have to contact each of the three major credit bureaus, and that takes time, patience and a little know-how. Usually it isn't a difficult process, but it will help you to keep the following 5 tips in mind.

6 Habits of Consumers With Excellent Credit Scores

June 11, 2015 Huffington Post
A healthy credit score is almost essential for comfortable living these days. Without credit, it's nearly impossible to get an auto loan, mortgage, or personal loan if needed. Interest rates are excessively high for those who have limited or bad credit. Maintaining a good credit score can make life a lot easier and affordable for when you need to borrow money for those large purchases. Follow these 6 habits consumers have formed in order to build and maintain an excellent credit score.

How Credit Card Interest is Calculated & How to Pay Less

June 10, 2015 Huffington Post
Credit card interest rates are painful. As unsecured debt, cardholders are charged higher interest rates than they pay for home or car loans. And since many tend to use their credit card for every day purchases, they can wind up paying interest on all of their purchases, which starts accruing on the day of the purchase. At the same time, other cardholders continue to use their cards frequently while avoiding interest charges altogether. The key to reducing, or eliminating, your credit card interest charges is to understand how it is calculated.

Top Travel Rewards Cards: Your Guide to Big Redemption Returns

June 9, 2015 The Street
What credit card you carry definitely matters when it comes to scoring free travel. Some cards are seven times more generous than others, and a few cards are just bad. Top travel rewards credit cards to consider having include American Express Starwood, Barclaycard Arrival Plus World Elite MasterCard, Chase Sapphire Preferred, and Capital One Venture Rewards Credit Card.

Credit Cards for Pet Expenses

June 5, 2015 Huffington Post
Pet ownership and the amount spent on animals each year continues to increase, even despite hard economic times. It's projected that pet owners will spend a total of $60.59 billion in pet expenses this year. It's hard enough to create an emergency plan for your own life's emergencies, but what do we do when that emergency is our furry friend? Here we review two types of financing options.

Shortcuts for Comparing Balance Transfer Offers

June 4, 2015 Huffington Post
Credit card offers can be both tempting and confusing, especially when it's hard to figure out how to make adequate "apples to apples" comparisons.When deciding which balance transfer credit card you would like to get, you will want to consider the APR, the length of any introductory offers, and any additional fees and charges that come with the card.

Identity Theft and Credit Card Fraud: Who is Really at Risk?

June 1, 2015 Huffington Post
Children are the new targets of identity theft fraudsters. The Federal Trade Commission found that 6% of all 2013 identity theft cases involved victims under the age of 19. Fraudsters favor children because they're too young to use their credit, so they also aren't monitoring their credit.

Should You Give Employees Corporate Credit Cards?

June 1, 2015 QuickBooks
A dedicated business credit card offers you financial perks and flexibility in spending. When handled correctly, employee credit cards can simplify the reimbursement process and reduce administrative hassles. However, if you don’t take a few basic precautions, employee credit cards can encourage bad spending habits, theft, or fraud.

Some Digital Wallets Can Limit Your Reward Points

May 28, 2015 CNBC
Mobile payments are booming. But are you getting your 5 percent cash back bonus if you use your rewards credit cards with the digital wallet apps? Not necessarily. Some card issuers, such as Chase and Discover, sent out notifications to card holders that some purchases made through mobile apps may not qualify for reward points if the technology is not set up to process the purchase in that reward category.

Money is Everything: Personal Finance for The Brave New Economy

May 28, 2015 Amanda Reaume
Although Millennials are one of the most educated generations, many of them are working to eliminate a mountain of student loan debt. This book brings you 99 money hacks for the Millennial generation that covers internships, jobs, budgeting, shopping, credit, student loans, and more.

I have personally seen my own credit score grow by 100 points in 30 days, twice in one year, by simultaneously increasing my credit line and paying down a large amount of debt.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

The CFPB & Prepaid Industry Face-off

May 20, 2015 Huffington Post
The CFPB wants to impose some of the same rules on prepaid card issuers that banks must adhere to when issuing regular credit cards. That includes increased clarity and transparency in the information provided to consumers about how the products work and what fees are involved.

Credit Card Rewards Redemption: Value vs Points

May 20, 2015 Huffington Post
Understanding your credit card rewards can be tough! Those that play the rewards game (and win) often reference the importance of getting the most value from your points or miles in order to get more out of them than the typical 1-to-1 value. Here we provide one example on what credit card reward experts mean when they stress value over (number of) points or miles.

7 Promotional Scholarships That Pay

May 20, 2015 BuzzFeed
With the rising cost of college tuition, private scholarships can should be considered “low hanging fruit”. Some companies are offering scholarships that require a minimal effort to apply. Here we take a look at seven companies that are using this strategy to help others with their educational endeavors.

Food Spending: How Much is Too Much?

May 19, 2015 MoneyNing
When we talk about spending on needs and wants, the discussion about food usually comes up regularly. Of course we need to spend money on food. It’s one of those things we need for survival. According to a report put out by CompareCards and evolve24, many consumers feel they are spending too much on food.

The Time is Now: 7 Ways to Teach Your Kids the Value of a Dollar

May 15, 2015 Huffington Post
There are certain steps a parent can take to instill good spending habits and money management skills in their children so that they are better prepared to manage their overall financial health as an adult.

How to Find the Right Lending Alternative for Your Small Business

May 12, 2015 Entrepreneur
The American economy relies upon small businesses for stability and growth. However, to grow, expand and ultimately succeed, small businesses require consistent and reliable access to capital. According to the U.S. Small Business Administration’s Office of Advocacy, young firms rely heavily on external debt, receiving about three-quarters of their funds from banks via loans, credit cards and lines of credit.

Can Your Credit Score be too High?

May 11, 2015 Huffington Post
If you're a consumer that has been striving to reach a perfect credit score, you might be wasting your time. Credit experts believe there is no reason to obsess with the minutia of the mysterious credit scoring formulas if you already have excellent credit. Excellent is excellent; there is no super excellent credit category. Continue to pay your bills on time, keep your credit utilization low, and use credit only when needed and it should be very easy to maintain excellent credit.

Teach College Kids Essential Money Lessons

May 6, 2015 Financial Educators Council
While a college degree is important to a professional career, funding higher education has become a tougher and tougher proposition. Most college-bound kids find it next to impossible to get through school without taking on student loan debt, and most never receive a financial literacy program designed for college students. Yet there may be a way to avoid the boomerang effect: teach kids some vital lessons about personal financial management. In this article, financial industry experts discuss the knowledge base all youth should possess before they head out on their own.

Allergic to Plastic: One-third of Millennials Still do Not Own Credit Cards

May 5, 2015 Main Street
More than one in three 18 to 29 year olds have never had a credit card. Since the CARD Act was passed, it placed strict limitations on marketing and issuing credit cards to young adults. It's believed their negative outlook on debt and credit -in combination with student loan debt- is a major driver of this trend. This can be harmful, however, because most people don’t know they need credit until they get turned down when they need it.

Google Wallet Setting Safety Standard

May 3, 2015 Deposit Accounts
Funds left in Google Wallet are now FDIC insured. Most consumers don't store their money in mobile payment apps or digital wallets, but if this becomes something more and more consumers choose to do, FDIC insurance can be a great security feature to protect the consumer.

As with prepaid cards, mobile payment apps like Google Wallet aren’t legally required to carry FDIC insurance. I believe it will only be a matter of time before all payment systems using NFC technology become FDIC insured

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

America's Transition to Chip Enabled Credit Cards

April 30, 2015 Huffington Post
As America transitions to chip-enabled credit cards, there are some things consumers should understand about this process. To start, credit cards issued with chip technology are chip-and-signature and not chip-and-PIN, which means they won't work the same as EMV cards overseas. This is believed to make the transition much smoother for American consumers.

Why It's Smart to Use Credit for Purchases

April 27, 2015 Huffington Post
Two kinds of cards represent dramatically different levels of liability, and the one you use can impact your vulnerability of becoming a victim of fraud. It's crucial to understand the differences and when to avoid using bank ATM cards.

Bankers Predict Higher Credit Card Balances in 2015

April 24, 2015 Huffington Post
The quarterly survey results from banking experts predict higher levels of credit card debt in 2015, which could cause consumers to have more delinquent payments. Risk offers expressed concern in the wealth gap between the rich and middle -lass, and stagnant wages.

13 Money Management Lessons for Kids

April 20, 2015 Huffington Post
Research shows that America's youth has a deep lack of understanding when it comes to finances and how to properly manage money. Teaching kids how to appropriately manage their finances is essential so they have the necessary tools to become financially responsible adults. Check out these 13 tips parents can use to help teach their kids about managing money.

How to Use Plastic as an Emergency Funding Tool

April 17, 2015 Huffington Post
When used carefully, credit cards can act as a safety net during difficult financial times. An emergency credit card should have a low interest rate, no annual fee, and the balance should be paid off as soon as possible to avoid incurring interest charges. Using credit cards in this way can prevent consumers from dipping into their life savings or resorting to expensive pay-day loans.

Co-Signer vs. Authorized User: What's the Difference?

April 17, 2015 Huffington Post
Many parents want to help their children start building their credit foundation early, and to do so, they become co-signers or allow their children to become authorized users on their credit card accounts. Both of these options have advantages and disadvantages, and legal responsibility differs.

Raising Entrepreneurs for a Brighter Financial Future

April 17, 2015 Entrepreneur
Think you have a budding entrepreneur on your hands? Encourage that creative spirit in your kids by teaching them how to run a small business. They'll learn valuable money lessons, responsibility and the value of hard work. Here are seven small-business ideas your child can run with.

Proof That State-Mandated Financial Education Programs Work

April 16, 2015 Huffington Post
The lack of financial education in American school systems has been put at the forefront of the minds of educators, parents, and policymakers. As financial education programs are being incorporated into school systems, studies are showing improvements in financial literacy among our youth, such as higher credit scores and lower 90-day delinquent payments.

How Credit Cards Help With Tax Preparation

April 13, 2015 Huffington Post
Tax deductions are beneficial to consumers because it can earn them a larger return during tax season. The problem is that keeping up with these receipts all year long can be a hassle. Using credit cards for those tax deductible charges, however, can help you stay organized. Having quick access to this financial data is much more convenient than trying to file, store, and keep receipts organized all year long.

Filing Late? Get Your Tax Refund Faster With Prepaid Credit Cards

April 10, 2015 Huffington Post
70% of tax returns are received by Americans through direct deposit; however, those without a checking account have limited options. Many American consumers are unaware that they can receive their tax return quickly through a direct deposit onto a prepaid card. Receiving a tax return on a prepaid card is faster than a traditional check by mail, and some cards even offer rewards for tax return deposits.

6 Good Credit Card Moves That Are Actually Terrible

April 8, 2015 Daily Worth
Credit cards can cause problems for consumers when not managed correctly, but can reap rewards when used the right way. Many credit card holders believe they are doing the right thing to build their credit, when in fact, they are actually hurting their credit.

10 Fun Ways to Boost Your Financial Fitness

March 31, 2015 Huffington Post
Educating children about finances is often the responsibility of the parents since financial education is not offered in a majority of the schools in the U.S. There are a variety of free resources and information that can assist parents with preparing their children to be financially independent adults. This list, compiled of the top 10 ways to start improving financial literacy, includes valuable information for every type of individual.

Don't Let Student Debt Hogtie Your Business

March 18, 2015 Entrepreneur
The constant rising cost of a college education can easily disrupt the plans to start your own business. However, there are steps that entrepreneurs can take to balance the heavy student loan debt and raise the capital needed to run their businesses. There are new, innovative companies that offer services and resources that assist with the process of getting your business off the ground, while maintaining a repayment plan for your student loans.

11 Things Entrepreneurs Need to Know

February 23, 2015 Small Biz Daily
Entrepreneurs need many things so SmallBizDaily put together a list of 11 things entrepreneurs should know. The Survival Kit infographic will help business owners decide which card is right for their small small business and wade through the fees, rewards, and spending limits of the different card offers.

The Credit-Card Survival Kit Your Small Business Needs

February 22, 2015 Entrepreneur
Although small in size, a credit card can have a huge impact on a small business. This business infographic makes it easier to distinguish the differences between available credit card choices. Beyond looking at the perks of each card, you should also consider how many cards you’ll need, what the spending limit and annual fees are, and how protected you are in case of fraud.

Financial Sense 301: Making it in The Real World

February 6, 2015 Huffington Post
Graduating college and moving into the real world is the perfect time to implement good money management that will lay the foundation for a healthy financial future. Doing things like setting a budget, monitoring your debt, and thinking about the future will set you up for financial success and avoid financial pitfalls.

Build Solid Credit With Solid Habits

February 4, 2015 Deseret News
Stellar credit is no accident. Consumer credit scores are calculated using what’s known as the FICO system. The system, using “predictive analytics,” takes five factors into account — payment history, debt burden, credit history length, credit mix and recent credit searches — to predict a consumer’s future credit use. Consumers who consistently maintain high credit scores share certain habits and traits.

Once you start missing payments, you can be seen as less reliable or more forgetful. And once you start getting penalties and fees, it can quickly steamroll into a larger problem.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Gamblers Play Roulette With Their Financial health as States Allow Casinos to Extend Credit

February 3, 2015 The Business Journals
In order for the casinos and online gambling companies to protect their investments, they are extending credit lines to high-stakes players and allowing customers to gamble online.These proposed state bills allow casinos to extend a minimum line of credit of $10,000 that would be considered an unsecured, no-interest loan due within at least 30 days. There is no limit on the maximum amount of credit extended by casinos to their patrons. However, if the marker remains unpaid after the 30-day deadline, the interest-free loan expires, and you have just passed the equivalent of a bad check.

The IRS Lets You Pay Taxes With a Credit Card. Should You?

February 2, 2015 Main Street
When tax season rolls around, some of us get a refund, while others end up owing money back to the IRS. For those who owe, you can always use your credit card, but know that it will likely not be worth it after you pay the APR and the fees. Think a rewards card will help? Think again.

It is important for you to study your credit card agreement thoroughly before rushing headlong into this kind of strategy. A lot of card companies will only offer 1% cash back on this kind of payment…when you factor in the 2 - 3% you’ll likely pay in merchant fees, you end up losing money overall.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Full-Timer's Primer: The Fine Print

February 1, 2015 Family Motor Coaching Magazine
Consumers who work full-time are easy targets for a fast shuffle because they are busy, so reading 18-pages of fine print isn't top of mind. Small type is everywhere, from government regulations to websites, warranties, services, and even the most innocent disclosures, agreements, and waivers.

If you’re looking over the fine print online, copy and paste the terms and conditions into a Word document and highlight the most important sections or information. Then, perform a search of the document for (words such as) rewards, interest, fees, and charges.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Financial Sense 201: Going Beyond the Classroom and Making Smart Financial Choices Now

January 30, 2015 Huffington Post
College is often the first time many students are living on their own for the first time and having to pay their own bills. While college should be fun, it's still important that students do not develop a mindset of racking up debt now, to pay off later. Although it may not be possible for everyone to graduate from college debt free, there are some things you can do to help minimize your debt.

Financial Sense 101: Prepare for College Before the Freshman Fifteen

January 23, 2015 Huffington Post
In spite of rising costs, studies indicate that a college education is still worth the investment; however, it doesn't make the financial burden easier to bear for families struggling to put their kids through school. The good news is that there are ways for students and their families to ease the financial pain and make smart choices that will help make college more affordable and set students up for financial success after graduation.

Financial Education: The American Education System is Failing Our Students

January 15, 2015 Huffington Post
The essential life skill of financial literacy is severely lacking in the American education system. Most teens express the desire to learn good financial habits and money management, but few rarely get the opportunity. This gap in financial education is having detrimental effects on society, the economy, and is failing our youth. Implementing financial literacy into the curriculum in schools will lead to astronomical improvements for preparing our youth for adulthood, which will lead to an overall better future for our nation.

Six Habits of People With Excellent Credit Scores

January 14, 2015 Kiplinger
Achieving and maintaining an excellent credit score can be more challenging than it sounds. Most people tend to falter simply because they do not understand what factors determine a FICO credit score. Forming these six habits will have you reaching excellent credit in no time!

People with excellent credit almost always keep low balances on their credit cards, and often don't pay interest because they pay their balances in full every month.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

5 Things to Do Now to Avoid Freaking Out About Taxes in April

January 12, 2015 Main Street
Tax season is upon us and the April deadline is just about 3 months away. This guide to preparation for filing taxes for 2014 can save you a lot of time and anxiety in the long run. It's important to gather all the proper documentation and get organized early on so there's enough time to make corrections or determine if you're missing any documents.

What can your credit card offer this year? Maybe a break from some holiday madness

December 16, 2014 Main Street
If you're flight gets delayed this holiday season, you can make the experience better by carrying a major credit card that offers airport lounge access. Airlines have begun making miles worth less and less. Fixed-value auxiliary benefits, however, can still give a real return. Lounge access is one of those perks.

Most people think of airline credit cards as offering points and miles, which was [once] the main draw, but today you’re looking at more auxiliary benefits… that’s the real draw there.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Stop Paying for Your Credit Cards and Get Your Credit Cards to Start Paying You

December 9, 2014 Main Street
Using credit cards the right way can actually make you money. Various rewards programs make it possible to earn cash back rewards or travel rewards for purchases, which is the same as putting money back into your wallet.

For anyone who doesn’t carry a balance, cash back is a really easy way to start getting your credit cards to work for you.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Which Junk Mail Credit Card Offers Should You Be Saying "Yes" To?

December 4, 2014 Main Street
Most people are apprehensive about the credit card offers they receive in the mail. One expert believes you could receive a better credit card offer from snail mail because it's targeted straight to the recipient, and not open to the public. It is wise, however, to shop around to find the best deal before you apply.

The credit industry is very interested in what they call targeted offers. You might even get a better deal than publicly offered cards.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Cracking the Case of the Mysterious Credit Card 'Hold'

December 4, 2014 The Washington Post
Pending credit card holds are a common practice for hotels and car rental agencies. Some of these holds can take several days for held funds to be available once released, and travelers are finding this process very frustrating. Credit cards are held to verify that funds are available to pay for services received, as well as a form of insurance in the event that damage or theft occurs.

A hold is a security deposit of sorts, in case you trash the room. It’s a way to insure against damage or loss,

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

10 Best Rewards Credit Cards of 2014

December 1, 2014 Go Banking Rates
If you’re thinking about getting your hands on a rewards credit card in 2015, you’ll find no two are alike. There are so many different varieties on the market today that run the rewards gamut, from cash back, airline miles, to retail points. Picking the right card can be a challenge when taking into account the best interest rate, lowest fees and highest earning potential.

A good rewards credit card should offer a few things...At least 1.5% cash back on all purchases because the majority of rewards cards already offer 1% cash back on all purchases. Rewards shouldn’t expire or have a cap on how much you can earn, and redeeming rewards should be pretty easy for the cardholder.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

South East High School Announced as a Recipient of CompareCards Financially Literate Youth Grant

November 14, 2014 Patch.com
South East High School will be receiving one of the four $5,000 grants, provided by CompareCards, which will be used to purchase textbooks and various technologies that will assist them in implementing the Common Core Standards for mathematics.

South East High School’s plan to purchase technology, apps, and materials for students will allow them to effectively implement Common Core and provide an opportunity for real world examples to better prepare students for their financial future.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Brockton High Financial Fair Earns $5,000 Grant

November 12, 2014 WickedLocal.com
Brockton High School’s annual Credit for Life Fair has received a $5,000 boost.The fair, sponsored by Harbor One Bank and other community partners, will be held at the Forest Avenue School, officials said. The grant came from CompareCards, a South Carolina company that launched a grant program earlier this year to help offset the costs associated with preparing a financial education program in K-12 schools.

Why Gene Simmons is Wrong About Women and Financial Dependence

October 27, 2014 Market Wired
Gene Simmons thinks women are too dependent on men, but research suggests otherwise. For a start, women are less likely to depend on their parents for money, according to a 2014 survey of 2,046 U.S. adults. Additionally, only 31% of women with living parents or in-laws receive financial support from them, compared to 41% of men.

Top Frugal Tip

September 24, 2014 Scratch Wireless
Many Americans are admitting to living outside their means when it comes to credit cards. Oftentimes people make foolish decisions by using their credit cards or loans as if it's free money that doesn't need to be repaid. Before borrowing, it's always important to budget what the monthly repayment amount would be prior to signing up for any line of credit.

Many people turn to credit cards and use it as additional income, but that kind of use just gets them further into debt with interest, fees and charges. A recent study found that 20% of Americans admit they could not make ends meet without using credit cards. Credit cards are meant to work for you, not against you.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Credit Cards For People With Bad Credit

August 21, 2014 Investopedia
Credit card approvals are on the rise for subprime consumers, or those with less than perfect credit scores. So far this year, there has been a 39% increase in approvals from last year, which is the highest peak since 2008. This is good news for consumers who are looking to improve their credit rating with subprime or secured credit cards.

If you have unsuccessfully applied for a traditional credit cards or only receiving offers for subprime credit cards with exorbitant interest rates...your only alternative might be a secured credit card.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Understand Your Credit Utilization Ratio

August 15, 2014 Kiplinger
Common misconceptions of credit utilization can lead to people misunderstanding their credit scores. Many consumers believe they can achieve 0% credit utilization if they pay their balance in full every month, but that's not the case since your reflected bill is determined by your billing cycle.

It’s wise to keep your total ratio and the ratio for each credit line below 30% at all times. Remember, it is not the total amount of debt that matters, but the percentage of available credit that you are currently using.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

3 Startups Offer New Microloan Options for Entrepreneurs With Big Ambitions

August 5, 2014 Entrepreneur
In the United States, 543,000 new businesses are launched each month with half of all start-ups closing their doors after five years. A large contributor to failing businesses is due to a lack of funding. Alternative lenders and microloans are changing the landscape for business loans.

Four $5K Grants for Financial Literacy Programs

July 8, 2014 eSchool News
CompareCards is offering $20,000 in grants to support K-12 schools that are implementing financial literacy curriculum for their students.

What Marketers Can Learn From the Credit Card Industry

May 13, 2014 Forbes
In a busy world, if the offer isn’t right or relevant, consumers just won’t be interested. Most people already have a comparable product to what your brand offers, and very few people want a third or fourth, unless there is a clear benefit. These people are called the “secondary market”; they already have at least one product, so they need to be convinced that there is value in signing up for one more item or switching to another brand – or to even pay attention to an offer.

The largest number of people that come to our website head for the low interest pages. So I would say that the interest rate is the biggest motivator with consumers.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

How to Qualify for a Credit Card after Being Rejected

April 25, 2014 Go Banking Rates
Getting denied on a recent credit card application is never good news because your credit is still affected, but you still don't get the card. Here are some bits of advice on how to handle your most recent credit card denial.

Express to the representative why or how a new line of credit will greatly help you in your efforts to improve your credit score,” Mettler said. “For example, you may say something like, ‘a new line of credit will greatly improve my credit utilization ratio so I can focus my attention on paying down my debts.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

PayPal's Mobile Credit Card Reader: What you Need to Know

April 23, 2014 Business News Daily
PayPal Here is a credit card reader used by business owners and individuals alike as a payment-processing solution. Their mobile app, fair pricing and acceptance of multiple forms of payments make it an ideal solution for payment transactions.

Op-Ed: Credit cards -How many is too many?

April 22, 2014 Digital Journal
A lot of consumers ask experts if there's such a thing as having too many credit cards or not enough credit cards. The answer isn't as clear-cut as most would hope, because it depends on the consumer and their personal credit profile, such as how many accounts can they juggle and the types of cards they have.

It can be advantageous to have cards that are tailored to your interests. For instance, if you're a traveler, a card that doesn't charge for foreign transactions and gives benefits in the form of air miles and hotels can be a good choice.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

A View to a Thrill: Why Marketers Need to get Visual, Fast

April 18, 2014 Forbes
The power of visuals is both past and present and doesn't seen to be fading anytime soon. About 50 million people in the U.S. watch videos on their mobile phones, however, your marketing must remain relevant at all times.

With user preference shifting to viewing information versus reading it, we have begun to redirect our marketing dollars to visual relevance in our industry. Without question in the next few years, this will become a significant marketing platform and the major forces are steering us this way.

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Using Balance Transfer to Solve Credit Card Problems

August 28, 2013 debtconsolidationUSA.com
Balance transfer just might be your ticket out of paying high interest rates on credit card debts. If you have a zero interest credit card available, it would be beneficial to transfer your balance to the zero interest rate account. By doing this, you will starting paying against your original principle debt instead of constantly paying the interest and never decreasing the debt. Some zero interest rate accounts are strictly for an introductory period, so its important to know how long that period is for.

Credit Card Strategies for Retirees

July 12, 2013 Agingcare.com
An important time in an adult's life is when it comes time to retire. Careful planning and preparation is key to enjoying a successful retirement. Several different strategies are available to assist elders to avoid making some of the most common financial mistakes when entering their golden years.

Want to Save Money on Your Credit Cards? Read the Fine Print

March 18, 2013 National Debt Relief
Credit card offers may come in the mail everyday, but its so important to read the fine print before signing up for a new card. There are many different avenues you can use to research the best fit for your wallet. Resources such as CompareCards.com, a free service, allows you to get detailed information regarding the vast amount of credit cards that are available. This service allows you to compare credit cards against one another, and decide for yourself which is the best choice for you.

CompareCards.com Named to Consumer Action's Fall Credit Card Comparison Survey

October 30, 2012 Consumer Action
Consumer Action is a nonprofit organization that has championed the rights of underrepresented consumers nationwide since 1971. Throughout its history, the organization has dedicated its resources to promoting financial literacy and advocating for consumer rights in both the media and before lawmakers to promote economic justice for all.

MO.com Interview with CompareCards.com founder Chris Mettler

March 29, 2012 MO.com
Banks and credit card companies offer a lot of different credit card options for consumers and it is difficult to navigate through all of these offers. I felt that the Internet was a great tool to assist with comparing information. The ability to see all credit card offers in one place inspired me to develop the website and we have grown to over 200,000 unique visitors per month.

"Being someone who never likes to get the 2nd best deal or offer, I felt that the Internet was a great tool to assist with comparing information."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

10 Weird Ways to Use Your Credit Card

March 21, 2012 MainStreet.com
Certain transactions traditionally thought to be reserved for cash only are now available on credit cards, thanks largely to technological advancements.

"Certain municipalities will allow you to use a credit card as collateral for a traffic ticket ... The card essentially serves as a bond that prevents you from losing your license while you wait for your court date."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

9 Things You Should Always Buy With Your Credit Card

March 20, 2012 MainStreet.com
Generally speaking, it’s never a good idea to charge something that you’re unable to pay off in full since you’ll have to pay interest on the purchases. But there are some items that are definitely worth charging when you intend to make them without having to utilize the line of credit.

When it comes to making online purchases, “It’s just safer to use a credit card ... There are more protections in place.”

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

7 Small Mistakes That Will Hurt Your Credit Score

March 6, 2012 Main Street
Most consumers understand that bankruptcy or foreclosure is going to tank their credit score and then negatively impact it for the next seven years, but there are plenty of other small mistakes a consumer can make that can turn a good score of 750 or higher into a mediocre 680.

"You don’t want your balance due to be over 33% of the available credit line."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Credit Card Comparison Web Site

February 23, 2012 South Carolina Business Review
You may have noticed that as the economy has slowly been improving, those old credit card offers that mostly disappeared during the recession have started to show up in your mailbox again.

"Check the default rate. A consumer needs to understand what their interest rate would jump to if thye missed a payment. Should they miss a payment within the 30 day payment window their interest rate can almost double."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

5 Ways To Avoid Footing The Bill For Credit Card Fraud

February 17, 2012 Business Insider
The next time you're deciding which plastic to put in your pocket, you'd do yourself an even bigger favor by checking out this one section: Security liability.

"Features like zero liability and credit report monitoring can help save consumers a lot of time and money in the face of various security threats, so they really warrant careful consideration before deciding on a deal."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

The 7 Deadly Credit Card Sins

January 24, 2012 MainStreet.com
Credit cards can be a great asset or a great liability, depending on how a cardholder uses them. While you probably won’t go to hell for committing any of these sins, the financial situation you will find yourself in afterwards can certainly cause some pain to your pocketbook and damage your credit score.

“The closer you get to your credit limit, the riskier your credit profile is going to look ... with a cash advance ... You’re going to be charged a significant amount of interest."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com

Consumers Tackle Credit Cards as Issuers Offer More Rewards

January 17, 2012 UT San Diego
Although total credit card debt surged at the end of last year, a survey of individual debt suggests that cardholders continued to pare down their bills in 2011 - including in San Diego.

12 best credit card offers for 2012

December 28, 2011 CBS Money Watch
Credit card offers have gotten downright mouthwatering as issuers compete for the best customers. Now, a website called CompareCards.com says that 12 cards are providing such generous deals, they're virtually irresistible for those willing to switch.

"Credit card companies are competing heavily against one another because there's a smaller pool of prime customers ... The offers are the most generous they've ever been."

 
Chris Mettler photo
Chris Mettler President, CompareCards.com
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