Press Coverage in the News

Why women notoriously have more credit card debt than men

October 9, 2018 Fox Business
What’s more, women may be at the losing end of this trend. According to new study, more than one in four female cardholders (26%) say they are “not at all” confident in being able to pay their bills in full this month, nearly double the percentage of men at 14%.

Survey: 20% of Americans do not feel they can pay their credit card balances in full

October 5, 2018 Ladders
Research has found that 12% of Americans say they’d prefer a new iPhone over a better credit score, but recently updated information from shows that 20% of Americans don’t think they can pay their credit card balances in full this month.

American Express plans major changes to its popular Gold Card

October 5, 2018 MarketWatch
The latest updates American Express announced for the Gold Card also appear to be an effort to make it more competitive with Chase’s JPM, -0.44% Sapphire credit cards, said Matt Schulz, chief industry analyst at

Facebook says 50 million user accounts affected by security breach

September 28, 2018 Fox News
Matt Schulz, Chief Industry Analyst at CompareCards, said the breach is another reminder to keep accounts secure. “This breach can be yet another wake-up call for people to take their online security seriously," Schulz said in comments obtained by Fox News. "We think nothing of visiting Facebook and Instagram 10 times a day, but we feel like we don’t have enough time to take basic safety steps for our online identity.”

Here's how the Fed rate hike will impact you

September 26, 2018 CNBC
Shop around for a better rate or snag a zero-interest balance transfer offer to insulate yourself from further rate hikes. Just be sure to check the fees and terms, cautioned Matt Schulz, chief industry analyst at CompareCards. Those offers aren't as generous as they used to be.

Men More Likely Than Women to Finish Their Holiday Shopping Early and Start Late, Study Finds

September 19, 2018 Fortune
According to a study done by CompareCards, a website owned by LendingTree for researching and applying for credit cards, men are three times likelier than women to have finished their holiday shopping prior to Labor Day. At the same time, men are twice as likely to start late, as 7% said they will start shopping after December 15 and only 3% of women said the same.

An Early Look at Holiday Spending

September 17, 2018 The Motley Fool
We're less than 100 days until Christmas. That may be hard to believe as it's still summer-like in much of the country and many stores have just begun to put out their Halloween merchandise. Despite that, 1 in 7 (14%) shoppers have already finished or nearly finished their holiday shopping, according to a new survey of just-over 1,000 U.S. credit card holders commissioned by CompareCards. That suggests that those shoppers are either really prepared or a lot of people on their shopping lists are getting coffee shop gift cards.

1 in 5 millennials say they've been scammed at the pump in the past year

August 23, 2018 CNBC
"Gas stations are the lowest-hanging fruit for bad guys when it comes to skimming," Schulz says. In fact, 15 percent of Americans who purchased gas in the last month believe they've been a victim of skimming at the pump, according to a new survey of 1,000 people from CompareCards.

Credit card rewards expected to improve in 2018

January 10, 2018 ConsumerAffairs
Consumers applying for a credit card in 2018 will have even more attractive options as the industry's competition for customers shows no signs of letting up. Last year saw an increase in rewards and a decline in fees. Thomas Donaldson, Senior Credit Specialist at CompareCards, predicts credit card perks will get even better in the months ahead. "Heading into 2018, the credit card landscape is more competitive than ever as issuers compete for the number one spot in consumer’s wallets," Donaldson told ConsumerAffairs. "When banks compete, consumers win."

Credit Cards Trends to Watch in 2018

January 9, 2018 PaymentsJournal
The wide array of new rewards, perks and benefits means it is time for people to reassess what credit card they use daily. If people haven’t taken a good look at how they pay recently, there’s a good chance they are leaving rewards or cash-back on the table.

16 Money Mistakes Millennials Don’t Realize They’re Making

December 22, 2017 Reader's Digest
There are costly money mistakes we all make. For Millennials, who were born into a recession and watched their parents struggle with credit, one of those mistakes is avoiding credit. Millennials may be debt-averse in general, but they are prone to lifestyle choices that can accrue significant debt in small increments. A recent survey from by Lending Tree found that three of the five top expenses that create Millennial credit card debt were making ends meet, eating out, and clothes shopping.

What the Federal Reserve rate hike means for your credit-card debt and savings

December 17, 2017 MarketWatch
Bad news for people with credit-card debt: It’s about to get more expensive.The Federal Reserve said Wednesday it is raising its benchmark federal funds rate by a quarter percentage point to between 1.25% and 1.5% — the fourth increase in a year. companies even raise their variable rates on the exact same day the Fed raises its rates, said Chris Mettler, the founder and president of CompareCards, a credit-card comparison website.

If you have debt, one credit card trick can save you thousands

December 14, 2017
Balance transfer cards, when used correctly, can help you pay off your credit card balance and get rid of your debt. But most Americans who could benefit from them have never used them, and most millennials in the red don't even understand how they work, according to a survey from by Lending Tree.

Use balance transfers to start 2018 with path to pay off debt

December 13, 2017 Reuters
When the U.S. Federal Reserve raises interest rates, as it did on Wednesday by a quarter-percentage point, the first pinch consumers usually feel is higher interest rates on credit cards.If you want to start the new year with some financial breathing room, here are the steps you need to take.

Reckless spending isn’t the main reason Americans have credit card debt—this is

December 12, 2017 CNBC
Financial irresponsibility can lead to credit card debt but, according to a new survey from by Lending Tree, more often it comes from just trying to get by. Of the 1,000 American adults with debt who participated in the survey, 42 percent, a plurality, said "making ends meet" was the main reason they racked up bills they couldn't pay.

Beware the pitfalls of deferred-interest deals

November 17, 2017
For consumers looking for ways to finance their holiday shopping, deferred-interest-rate deals on credit cards might be very alluring.Consumers generally appear to misunderstand how deferred-interest deals work, according to a recent survey done by While 56 percent of respondents knew the definition of deferred interest, just 28 percent were able to correctly identify how these deals actually are applied to their balance.

The Growth of the Gig Economy: A Look at American Freelancers

November 10, 2017 Business News Daily
The millions of freelancers, contractors, temps and on-demand workers in the American workforce all have one thing in common: They're all part of the ever-expanding gig economy.Despite the downsides of the gig economy – reduced access to insurance and retirement benefits, lack of financial security, low job security, etc. – it seems that the freedom this type of work affords is enough to make professionals want to give up their traditional 9-to-5 and join the contingent workforce. A CompareCards survey found that 58 percent of people with side gigs want to turn them into a full-time career, and earlier this year.

Here are the only 3 times you should use a debit card

October 17, 2017 CNBC
At the register, 66 percent of Americans believe choosing debit over credit is the safer bet, a recent survey from Compare Cards and Lending Tree reports. This belief holds especially true for millennials: 69 percent say debit cards are as safe or safer than credit cards, while only 49 percent of Boomers and those in older generations say the same. But while debit cards can help keep you from overspending, they don't offer other key protections.

After the Equifax breach, this is how many people have checked their credit

October 11, 2017 MarketWatch
If the massive data breach at credit reporting company Equifax EFX, +1.32% didn’t scare you into checking your credit, you aren’t alone. And if you haven’t even heard of the Equifax fiasco — which could have exposed more than 143 million Americans’ personal information to criminals — you’ve got company too. A survey from credit-card comparison website found similar results: About 25% of consumers have set up spending alerts on their credit or debit cards in the wake of the breach, the company found in a survey of 1,000 people from Sept. 22 to Sept. 25. And 78% of consumers still haven’t put a credit freeze on their accounts.

Why Most Americans Are Still Unprepared For Fraud Following The Equifax Breach

September 30, 2017 Forbes
Despite Equifax’s massive data breach that could impact some 143 million consumers, the majority of Americans still remain unprepared for fraud, according to a recent survey by CompareCards, a credit card comparison and information website.

Survey finds consumers still unprepared after Equifax breach

September 28, 2017 ConsumerAffairs
Three weeks after Equifax disclosed a massive data breach potentially affecting 143 million people, credit card comparison site finds most Americans are still vulnerable to fraud.. The company has released a survey showing just 25 percent of consumers have alerts set up on all of their credit cards. Many security experts have recommended placing a freeze on credit files, but the survey shows 78 percent of consumers have not done so.

Equifax credit freeze checked off your list yet? How many Americans protected themselves post-breach

September 28, 2017 Mic
Only 10% of credit card holders have placed a credit freeze in the wake of the data breach, at least according to data from LendingTree subsidiary CompareCards, which surveyed 1,000 American adults with credit or debit cards from Sept. 22 to Sept. 25. Another 14% say they plan to place a credit freeze, but haven’t yet.

Here's why experts say you may need a new virtual credit card

September 26, 2017 CNBC
About 15.4 million consumerswere victims of fraud or identity theft last year. That's an increase of 16 percent from 2015 and the highest total since 2004. But there could be a new way to protect yourself: Virtual credit cards that provide only a temporary 16-digit card number, and, depending on the card issuer, a custom spending limit and an expiration date.

People love their debit cards, but that could be a big mistake

September 15, 2017 CNBC
Credit or debit? The card you swipe at the register could make a big difference. Here's why: Most credit cards offer $0 fraud liability, meaning you won't be out any money. Debit card users, on the other hand, may be liable for any lost money, depending on when the fraud was reported. In the worst case, consumers could be on the hook for the full amount of loss or theft, according to the Federal Trade Commission.

One-quarter of people make this costly mistake when using debit cards

September 9, 2017 MarketWatch
Americans like using debit cards, but many don’t understand what their plastic can and can’t do. Debit cards have fewer protections than credit cards. Some 66% of consumers think debit cards are as safe or safer than credit cards for payments, a separate survey of 1,000 people released this week by credit-card comparison site CompareCards found. But debit cards don’t actually always offer the same consumer protections credit cards do.

PayPal just announced it has a new cashback credit card. Should you use it?

August 31, 2017 MarketWatch
There’s a new cashback credit card on the market. PayPal is debuting a new credit card that will offer 2% cashback on all purchases, not just purchases cardholders make through PayPal, the company announced this week.There are a few places the PayPal card falls short, though, said Conor Keenan, the vice president of marketing at, a site where consumers can compare credit-card offers. PayPal’s Cashback Mastercard doesn’t offer any sign-up bonus and has no 0% introductory period, when consumers will avoid gathering interest on their purchases, he pointed out.

Credit Cards With Annual Fees: How to Make Them Work for You

August 29, 2017 U.S. News & World Report
If you have a credit card with an annual fee, you've probably noticed something – these fees aren't cheap. Some are around $100 a year, but it isn't uncommon to find some that are north of $400 and $500.Look at that fine print and compare it to the fine print of other credit cards with an annual fee, suggests Chris Mettler, founder and president of, a credit card comparison website.

New Bank Of America Credit Card Offers Big Rewards For Big Deposits

August 9, 2017 Forbes
There has never been a better time to be a credit card rewards customer. Since 2010, spending on rewards by issuers has doubled. Bank of America is able to use its credit card business to defend the deposit franchise from online competition while providing the customer with a better overall deal. Chris Mettler of CompareCards, notes that "the Bank of America Premium Rewards credit card continues the bank’s trend of extending extra benefits to its current customers."

This luxury credit card is only for truly big spenders

July 23, 2017 MarketWatch
A major premium credit card is now offering perks including an increased sign-up bonus and free nights at pricey hotels. There’s one catch: You have to spend nearly $8,000 to get all of them. “Top tier travel credit cards aren’t aimed at everyone,” said Chris Mettler, the founder and president of CompareCards, a credit-card comparison website owned by LendingTree, an online lending marketplace. “For many premium travelers, this should be an easy mark to hit.”

On Amazon Prime Day, here’s yet another thing e-commerce is killing

July 11, 2017 MarketWatch
E-commerce has already changed your local mall. Now it’s changing your wallet. It’s possible brick-and-mortar retailers will change their strategies and offer more benefits on their store cards for online shopping to persuade consumers from canceling their cards, said Conor Keenan, the vice president of marketing at, a credit-card comparison website.

Why millions of consumers’ credit scores will suddenly improve this weekend

June 30, 2017 MarketWatch
The three nationwide consumer reporting agencies, Equifax, Experian and TransUnion, are starting a new policy on July 1 that will raise about 12 million consumers’ credit scores.The 10-point change could be significant, said Conor Keenan, vice president of marketing at, a credit-card comparison website.

What the Federal Reserve rate hike means for your credit card debt and savings

June 14, 2017 MarketWatch
Bad news for people with credit-card debt: It’s about to get more expensive. The Federal Reserve said Wednesday it is raising its benchmark federal-funds rate by a quarter percentage point, to a range between 1% and 1.25% As a result, credit card holders are likely to see their interest rates rise. Some companies even raise their variable rates on the exact same day the Fed raises its rates, said Chris Mettler, the founder and president of CompareCards, a credit-card comparison website.

4 Credit Card Tips to Make Business Travel Easier

June 15, 2016 Entrepreneur
Business travel can be very rewarding, but it can also cause some major headaches. Using the right credit cards to earn rewards and avoid fees is an easy way to make your business travel much smoother. Here are four helpful credit card tips that can make your life much easier when you travel for business.

The Pros and (Mostly) Cons of Balance Transfer Credit Cards

May 24, 2016 U.S. News & World Report
For some, balance transfer credit cards can become a cycle of debt. Our resident credit card expert, Thomas Donaldson, weighs in on the pros and cons of balance transfer cards. From discussing the fees associated with transferring debt to the mentality some have towards balance transfer cards, Donaldson covers the bases in his contribution to this article.

When It Pays to Book Directly with a Hotel

May 3, 2016 U.S. News & World Report
Are you earning the most out of your hotel stay? Possibly the answer is no if you've been booking your stay with a third party. By booking with a third party you may be missing out on free WiFi, better rooms and the opportunity to earn points for your stay. Credit card expert Jason Steele weighs in on the benefits of booking directly and discusses the benefits for you.

3 Common Credit Mistakes New Business Owners Make

May 3, 2016 Entrepreneur resident credit card expert Thomas Donaldson discusses mistakes made when building business credit. Offerings tips such as automatic payment plans to prevent continuous failure to make payments and consideration of various types of lending, Donaldson gives in depth suggestions to help prevent financial mistakes. Start up businesses won't want to miss this valuable information.

Restoration Hardware joins trend of charging customers for loyalty program

March 29, 2016 Star Tribune
A growing number of retailers are joining the trend of charging consumers for rewards benefits. Restoration Hardware is now doing the same by charging a $100 annual fee. However, RH cardholders receive 25 percent savings and considering RH will no longer have annual sales there's more incentive than ever to be a cardholder. Check this article out for a closer look at the future of retailer credit cards.

Costco sets date for breakup with AmEx; Visa perks will be sweeter

March 24, 2016 Star Tribune
Credit card expert, Jason Steele, weighs in on the break-up between the Costco and American Express partnership. The transition from AmEx to the Citibank Visa may worry current cardholders as to how their cash back rewards will be affected. Check out this article to be in the know about the transition to the Costco Anywhere card.

5 Signs It's Time for a New Credit Card

March 10, 2016 Huffington Post
The credit card landscape is immense but there are more reasons than ever to own a credit card. Reasons such as high interest rates, annual fees and blackout dates sometimes keep consumers away from credit cards. However, today's credit card market is fit to work for the consumer so it may very well be time for a new credit card.

4 Reasons You Need a New Credit Card for Your Business

March 10, 2016 Entrepreneur
There are vast advantages of a business credit card, particularly as a source of capital and rewards benefits. Businesses typically spend more than the average consumer, so there's more reason than ever to capitalize on rewards for your purchases. Our credit card expert, Thomas Donaldson, discusses what to consider with a business credit card. From low lines of credit to no established business credit, this article explains why your business should be utilizing a credit card.

Credit vs. Debit Cards for Online Shopping

March 2, 2016 Self Lender
Credit cards and debit cards each come with their own unique pros and cons. With a debit card, you're spending your own money, so you don't run the risk of accumulating debt or paying interest. Credit card, when used responsibly, can come with generous rewards programs and purchase protection benefits that could potentially save you a lot of money.

Should You Pay Your Taxes With a Credit Card?

February 25, 2016 Huffington Post
With tax season upon us, this article explores the pros and cons to paying taxes with a credit card. Discussing whether it's in a credit card users best interest to take advantage of sign up bonuses or cards that offer interest free financing. To the downside of incurring the annual APR interest charges. Here, credit card users can weigh the cost and benefits of paying their taxes with a credit card.

Is Google the Future of Banking? Some Young Financial Consumers Think So

February 12, 2016 The Street
The future of personal banking is expected to see major changes in the next 10 years. With Millennials leading the way, big changes in how Americans manage their money are coming. Tech giants such as Apple or Google are believed to replace traditional means of banking. Advancements in financial tech could potentially change the norm of cash and card transactions.

How to Fly Your Pet for Free

February 10, 2016 Budget Travel
Many travelers hate to leave their furry friends behind when they go on vacation, but the fee's associated with flying your pet are usually too high to justify. However, with the right travel rewards credit card you could easily have this fee waived or reimbursed. This article will tell you everything you need to know about how to fly your pets for free.

Post-Holiday Credit Card Hangover? Shake It Off With These Expert Tips

January 26, 2016 The Street
The holiday season is typically the most expensive time of the year for consumers. When cash is tight and expenses are high, many Americans find themselves accumulating debt that drags their finances down into the new year. If you're feeling the burden of a holiday credit card hangover, check out these expert tips to cut down your balance and avoid those painfully high interest rates.

4 Things You Should Know About Business Credit Cards

January 11, 2016 Entrepreneur
Business owners always have a lot on their plate, but the right business credit card can make life a lot easier. Business credit cards differ from consumer credit cards in a number of ways, but applicants aren't always aware of these differences before the apply. Leveraging all the unique features of your business credit cards can make your business more efficient or even give you an extra revenue boost. Here are four things that every business owner should know about business credit cards.

13 Genius Ways To Pay Off Your Debt Once And For All

January 3, 2016 Self Magazine
Paying off debt can be a daunting task, but few things are as rewarding as working your way towards financial freedom. As you navigate the path to being debt free, it's important to have a plan of action. These 13 expert tips can help you achieve your financial goals and pay off your debt once and for all.

Five Tips to Shred Your Credit Card Debt in 2016

December 11, 2015 Huffington Post
Many consumers have already set New Years resolutions to cut down on their credit card debt. Paying off high balances is an important step on the road to financial freedom, but it's much easier said than done. In this article, we breakdown five practical tips to help you stick to your financial resolutions and shred your credit card debt in 2016.

Could You Pull Off a “No-Spend” Holiday? These 17 Tips Make It Totally Doable

December 10, 2015 The Penny Hoarder
The holiday season is widely considered to be the most expensive time of the year for the average consumer. If you're looking to save money this Christmas, these 17 tips can make a "no-spend" Christmas totally doable. Learn how you can save hundreds of dollars this year by re-gifting, traveling on credit card points, and much more.

6 Tips for Boosting Your Credit Score in 2016

December 8, 2015 Huffington Post
Understanding your credit score can be a difficult task, but it's an important part of your financial well-being. Your credit score will have impact when you apply for any loan product, including credit cards, auto loans, or a mortgage. Maintaining a good credit score can save you hundreds, or even thousands of dollars. Here are six tips to help you boost your credit score in 2016.

Budget Travel Tips: 3 Easy Ways to Turn Your Holiday Spending into Rewards for a Spring Break Trip

December 7, 2015 Budget Travel
This year many holiday shoppers will begin and end their trips to the store during the cold, dark nights of winter, and spend days trudging through the snow. Wouldn't it be nice if you could use your holiday spending to earn a much-needed trip somewhere much warmer or take a well-deserved spring break vacation? There are plenty of ways to capitalize on your holiday shopping to do just that by using your earned rewards.

What the Marriott-Starwood Deal Could Mean for Credit Card Users (and Travelers)

November 23, 2015 Caribbean Journal
If you can imagine Starwood and Marriott as a happy couple, think of this week’s news as an engagement announcement with a wedding planned for the middle of 2016. Most observers expect that their two loyalty programs will be combined in some way, as has been the case with the frequent flier programs of previous airline mergers.

Best Credit Cards for Cyber Monday

November 23, 2015 Huffington Post
According to data from holiday shoppers in 2014, 51% shopped online and 32% shopped on Cyber Monday. The extra savvy consumer will not only hunt for the best discounts, but they will also score the biggest return on their spending by paying with the right rewards credit card. Here are a few credit cards that can help you rack up some valuable rewards this Cyber Monday.

Best Credit Cards for Black Friday

November 20, 2015 Huffington Post
If you're like the 19% of respondents who are just starting their holiday shopping on Thanksgiving and Black Friday, you should definitely make those purchases with the right credit card in order to earn rewards for your purchases. There are 2 types of rewards credit cards that will be good to use for Black Friday shopping; those that will earn you bonus points on this quarter's category spending, and those that will earn you 2% (or 2 points or more) on all purchases, every day.

Honeymoon Travel Hacks for the Budget Savvy Bride

November 16, 2015 The Budget Savvy Bride
Wedding planning can be so overwhelming, that it’s easy to overlook the first exciting adventure of your life together. And unfortunately, some couples feel that they are unable to afford their ideal honeymoon due to their wedding expenses, leaving them feeling forced to postpone their honeymoons or skip them altogether. But it doesn’t have to be this way. There are numerous tricks, and today I’m going to share with you some of those insider tips.

How Your Kids Can Establish Credit While They're in College

November 16, 2015 Self Lender
There’s only a handful of ways for college students to establish a credit history without having a parent co-sign (which we don’t recommend). Here's a guide to help your kids figure out if they want to establish credit during college and if so, how to do it.

The Best Low Interest Rate Credit Cards for Holiday Spending

November 11, 2015 Huffington Post
If you tend to carry a balance on your credit card throughout the year, it's likely that you'll do so after the holidays. Before you swipe your card left and right for friends and family this holiday season, give yourself the gift of low interest. Here are the best low interest credit cards for both introductory APRs and on-going interest rates for holiday shopping

7 Best Rewards Credit Cards for Holiday Shopping

November 10, 2015 US News & World Report
From presents for the kids to special food for family get-togethers, holiday traditions have the potential to put a significant dent in your wallet. However, you can take the sting out of that spending by earning rewards for every purchase. U.S. News spoke to four credit experts to learn which cards they recommend consumers use this holiday season.

Introductory 0% Credit Card Offers: No Bark, But Plenty of Bite if You're Not Careful

November 4, 2015 The Street
With the holidays fast approaching, consumers may be looking to snap up a new credit card with an 0% introductory rate. That's great if you do your homework, tread cautiously and use deal-specific sites to weed the good offers from the bad. To illustrate some of the better 0% card and low-rate deals out on the market right now, offers several options for you.

How to Avoid Airline Price Surges This Thanksgiving

November 4, 2015 Go Banking Rates
Traveling during the holidays is often tremendously stressful. With prices at all-time highs, busy travel routes and pressure to make it to your destination by a certain time, it’s a wonder people even try. But people do, because there’s nothing like going home for the holidays. That’s why it’s so important to find ways to battle the inevitable holiday travel prices.

If Starwood is sold, here's what could happen to your points

October 31, 2015 Fortune
Starwood members are concerned over the potential acquisition by Hyatt and other Chinese suitors. The loyalty points, Starpoints, are some of the most valuable in the market. Worry over how program points could change or even expire are on the minds of Starwood members. Discussing both the short term and long term implications of the potential deal, credit card experts weigh in on the outcome.

4 Reasons to Love Hotel Rewards Programs

October 29, 2015 Budget Travel
Are you sick of frequent flier miles? The airlines have done a great job of squeezing the value out of these valuable programs, which were once an easy path to free flights. Yet when most people think about credit cards that offer travel rewards, they tend to still picture ones that offer airline miles. By looking beyond frequent flier programs, you can earn more versatile, and valuable travel rewards than you may have thought possible. Here are some of the major advantages hotel points have over airline miles.

Pros and Cons of Opening Store Credit Card

October 28, 2015 Slick Deals
If you're going to be spending money at your favorite stores, why not be rewarded for it? Opening a store credit card is one of the easiest ways to snag exclusive discounts and everyday savings at your favorite retailers. But it's also one of the easiest ways to rack up debt.

7 Things Americans Need to Know About Traveling to Cuba

October 23, 2015 Johnny Jet
In light of the White House’s recent decision to begin normalizing relations with Cuba, thousands of Americans have set their sights on visiting our island neighbor that sits less than 100 miles south of Key West. But despite its attractive proximity, Cuba poses a handful of unique challenges to visitors.

The Public May be Losing its Affinity for Travel Credit Cards

October 22, 2015 Washington Post
A recent poll revealed consumers are finally losing their enthusiasm for airline and other affinity credit cards. They are frustrated with blackout dates, high mileage requirements, annual fees and other fees. Others say an affinity card is worth it only if you’re a frequent business traveler on an expense account — and even then, it can be risky.

Yahoo Sells Out Ad Space for Live-Stream of N.F.L. Game

October 22, 2015 New York Times
Yahoo announced on Thursday that more than 30 advertisers would present spots during the game and that the webcast was sold out. The streamed game will have one commercial break fewer per quarter, shaving about eight minutes of advertising off the length of a traditional N.F.L. broadcast.

We’ve found that Yahoo is a good demographic for us, as is the N.F.L

Chris Mettler photo
Chris Mettler President,

For Some Americans, Skipping Student Loan Payments Could Put Their Driver's License at Risk

October 9, 2015 Business Insider
Believe it or not, it is possible to lose your driver’s license or have other professional and career-mandated licenses revoked if you are delinquent in repaying a loan funded by your state government. Anyone who has borrowed from state funding is included here; even those who received some kind of low-interest loan from a state grant could be affected, too.

Act Now to Save Big on Your Next Ski Trip

October 7, 2015 Budget Travel
When it comes to planning your next ski vacation, now is the best time to make your plans, before the first snow falls and the prices spike. Here's how to book an affordable family ski and snowboarding trip this season.

Five Things You Need to Know About Chip Cards

October 6, 2015 Huffington Post
You may have received a new credit card recently, which contains a little gold or silver chip on the front. Now that October is here, these new EMV or "chip" cards are being issued in droves to cardholders across the U.S., changing the way customers complete transactions. Here's what you need to know.

5 Top Credit Cards for Travel Rewards

September 28, 2015 Johnny Jet
The best travel rewards credit card can offer benefits that speed you through airports and hotels while unlocking the possibility of award travel at little or no cost. These cards offer rewards in the form of airline miles, hotel points or travel statement credits. In addition, some of these products offer points that can be transferred to several different airline and hotel programs. Here are my top five.

The Secret Credit Score Every Business Owner Should Know, and How to Build Yours

September 25, 2015 Entrepreneur
Most business owners understand the importance of having a good personal credit score when it comes to obtaining financing for their business. What’s equally important (if not more so) for business owners is their business credit score. However, according to Creditera, a whopping 60 percent of small and mid-sized business owners don’t know their business credit scores and 50 percent didn’t even know that they had a business credit score.

Budgeting for Vacation? Don't Overlook These 6 Frequently Forgotten Expenses

September 14, 2015
There’s no downer like budgeting for vacation — and then still coming up short at the end of the trip. Here is a list of some expenses that are easily overlooked, but quickly add up. Be sure to take them into account on your next trip.

What's in My Wallet for a Trip to Cuba?

September 10, 2015 Huffington Post
Traveling can come with some unique challenges, but some destinations may be more challenging as one discovered on his trip to Cuba. One area of concern for travelers lies with the inability to use credit and debit cards, since many Americans have become accustomed to using plastic for every purchase. Here's what one traveler brought on his trip to Cuba.

4 Easy Ways to Maximize Travel Rewards

August 28, 2015 Budget Travel
While some people clip coupons to reduce their grocery bill by a few dollars, there is far more money to be saved by maximizing travel rewards programs. Airlines, hotels, and rental car agencies each offer customers their own points or miles, but it's up to travelers to leverage these programs to reap the most valuable rewards. Here are some tips to get started!

What Your Future Travel Experience Will Look Like in the Not-So-Distant Future

August 21, 2015 Entrepreneur
Increasing demand and new technology are driving promising developments that should make business travel more pleasant, from airplanes with party rooms to suitcases that tell you where they are. Check out the future of travel on flights, hotel stays, airports, and travel gear.

Should Your College Kid Get a Credit Card?

August 11, 2015 U.S. News & World Report
These days, applying for college can be easier than applying for a credit card. When Spencer Shulem tried to get a credit card at age 18, he quickly discovered how difficult it can be. He applied to a handful, and despite having a job and earning $30,000 a year, he was rejected by all of them due to a "thin file." Still, many young adults and their parents wrestle with the credit card question: Should you get one when you're in college? Here’s what you need to know if you want your college student to have a credit card.

If a parent cosigns for a student, the parent would be held liable should their child stop paying their bill. If a student is added as an authorized user on their parent's account and the parent stops paying, it will hurt the student’s credit, too.

Chris Mettler photo
Chris Mettler President,

6 Stealthy Credit Report Errors You Can Quickly Eliminate

August 11, 2015 Time Money
Financial institutions rely on one major determining factor when deciding whether or not to give you a loan and what your loan rate will be— and that’s your credit report. But that information isn’t always correct. In fact, research reveals that 25% of consumers have credit report errors that could lead to lower scores, and one in 250 people could see a drop of 100 points as a result of incorrect information. Here are some of the stealthier errors that often fly under the radar that you can resolve by flagging and reporting them to the respective bureaus.

Websites That Offer a True Free Credit Score

August 10, 2015 Investopedia
You can get your credit reports for free, but what about your credit score? Unfortunately, there is no law that forces FICO or any other credit-scoring company to give your credit score to you once per year. The only way you can get your score is if you're turned down for a loan – or don’t receive the most favorable terms, you’re entitled to see the score they used. Here are four websites where you can now get your credit score for free!

Say Hello to EMV, the Technology That Makes Credit Cards Safer

August 3, 2015 Entrepreneur
As the United States transitions to chip-enabled credit cards, business owners may have questions about EMV-chip cards and how processing payments will work. This infographic will help explain this new technology and how it will help keep your customers' information and your own business safe.

Soft vs. Hard Inquiries: What's the Difference & How do They Affect Credit

August 3, 2015 Huffington Post
Having and maintaining an excellent FICO credit score can mean the difference between getting approved or denied for a loan, and also influences your interest rates. There are several factors that can have positive or negative effects on a credit score, with the three most important being paying your bills on time every month, keeping your credit utilization low, and having only a few credit inquiries at a time. Here's the difference between the two types of credit inquiries; soft and hard.

Rack up Credit Card Rewards and Win

August 3, 2015 Huffington Post
There are 199.8 million credit card holders in America, and 60 percent of those people own rewards credit cards. Even though more than half of America's cardholders carry rewards cards, there are close to a third that lose out on the rewards they have earned. The Credit Card Rewards Card Game infographic will show you the tricks to earning rewards, the different types of rewards credit cards and how those sign-up bonuses actually work.

The Credit Card Dispute Process

July 31, 2015 Huffington Post
Most credit cards offer Dispute Resolution services that are unparalleled by any form of payment, allowing cardholders to have the upper hand when a merchant refuses to do the right thing. Consumers are protected by a number of laws and acts, such as the CARD Act, but when it comes to fraudulent and unauthorized charges, consumers are protected under the Fair Credit Billing Act. Find out how the dispute process works so you don't run into any future issues.

What Happens When You Open a Credit Card Account?

July 31, 2015 Huffington Post
Congratulations! You have just been approved for a new credit card. But what does that announcement really mean? Do you now have an open account that will be reported to the credit bureaus, or does that only happen when you receive and activate your card? And when will the clock start ticking on any limited-time promotional financing offers?

Are Elite Credit Cards Most Vulnerable to Hackers?

July 29, 2015 Huffington Post
Protecting your credit cards from fraud is now considered one of the most important considerations to consumers looking for a new credit card. But the crooks always seem to be one step ahead of security features and many cardholders are now wondering if there is anything they can do to take the target off their backs. Here are a few tips to consider that might help you fly under the radar of today's cyber criminals.

Why You Should Know the Different Types of Credit Card APRs

July 28, 2015 Huffington Post
A credit card's interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate, called the Annual Percentage Rate (APR). Where it can become a little more complicated, however, is that each individual credit card may have multiple APRs. While APRs may sound confusing and complex on the surface, once you know how to find your card's APR and you know which APR applies to you it is relatively simple.

Earn Rewards for Your Daily Commute

July 27, 2015 Huffington Post
Our daily commute is a huge part of our lives that rarely receives any consideration. A recent study revealed that the average American spends 45 minutes and $10 per day on their commute, which amounts to a significant $2,600 and 200 hours per year! With all the time and money we spend on getting to and from work, it's important to have a credit card that will help us maximize the dollars we spend. Let's take a look at why the Citi ThankYou Premier Card could be the best credit card to help save you money on your daily commute.

How to Spend Less Dining Out

July 24, 2015 Huffington Post
A new report, which analyzed over 3 million conversations that took place on various online mediums, revealed that American's are concerned about overspending on food and considered it a major problem. There are some less obvious, but more realistic ways you can save money on dining expenses and even earn valuable rewards through your rewards credit card.

The Biggest Financial Takeaway From the Ashley Madison Hack

July 21, 2015 Inc
Over the weekend, dating website Ashley Madison was breached by a group of hackers who claim to have attained personal information of more than 37 million users. The biggest mistake was made when the majority of users used their own credit cards to pay for the service, despite the fact that the site accepts anonymous payment methods.

Unexpected Effects of Poor Money Management

July 20, 2015 Huffington Post
Studies have shown that there is a direct correlation between stress levels and health complications. Studies have found that the biggest cause of stress for Americans is due to financial concerns, so it's easy to see why mismanaging your finances can have a lot more negative implications on your life than you may think.

Are mobile payment apps safe?

July 17, 2015 Huffington Post
Starbucks made headlines in May after major news outlets reported that criminals hacked into the Starbucks' mobile payment app and drained funds from unsuspecting Starbucks customers. Hackers chose to target the Starbucks app because it is the preferred means of payment for many loyal customers. As new payment apps and technology emerges, consumers should remain cautious and check their accounts often for fraudulent activity.

Is Your Digital Wallet Stiffing You on Credit Card Rewards?

July 17, 2015 Huffington Post
Consumers may be surprised to learn that they may not be earning all of their credit card rewards when using digital wallets to make purchases. Starting in April, major banks started sending newsletters to their cardholders warning them that "some purchases made through mobile carriers, online or digital wallets, 3rd party accounts or similar technology, will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category."

Is your trip to Greece in jeopardy? Maybe, or maybe not.

July 16, 2015 Washington Post
The Greek economy isn’t a new story, but it has taken an unexpected turn in recent weeks, as a showdown with the rest of Europe over austerity forced banks to close for weeks. In the short term, visitors worry that their credit cards won’t work or that they won’t have enough access to cash. They also fear for their safety. Long-term, the concerns are more serious. Will there even be an infrastructure to support tourists if the economy collapses?

5 Ways to Protect Your Personal Identity

July 14, 2015 Huffington Post
Identity theft can happen to anyone and at any time. It can occur when you travel overseas, when you use a credit card at your most frequented gas station or restaurant, or even when you make a purchase online. Here are five strategies to keep your personal and financial identity secure so that you don't become another identity theft statistic.

It's summer, but for retailers it's looking a lot like Xmas

July 13, 2015 USA Today
Companies are promoting Christmas in July with sales that promise to have more bargains than Black Friday. But like many other retailers, the pitch probably has more to do with getting consumers to chase deals and fill cash registers, than helping shoppers cross gifts off their holiday lists.Still, whatever retailers' motivation, it's a great idea to start thinking about the holidays ahead of time so you can shop smart and save early.

Like any sale, the consumer would need to do comparison shopping and make sure that it's really a good deal.

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Chris Mettler President,

Earn Rewards for Summer Travel

July 13, 2015 Huffington Post
According to a new Citi ThankYou Premier survey, studies showed that although weekend vacations are popular, most avoid traveling during holiday weekends. When it comes to summer travel, more than half of Americans prefer non-holiday weekends for their getaways and the majority planning to travel by car. Some trends found in the survey include staying home during the holidays, watching your budget, booking a room, and shorter vacations.

Teach Kids About Money Management, Not Just Abstract Math

July 8, 2015 Quartz
Americans are severely lacking when it comes to financial literacy. Right before the global financial crisis of 2008, economists were shocked by the lack of savings set aside by American families. Not only were Americans not setting aside anything for an emergency fund, but they were also going into debt month after month—a real recipe for financial disaster. Part of this is the result of a lack of education in how to manage money.

Squash Holiday Debt by Saving in July

July 7, 2015 Huffington Post
With all the holiday parties, gifts, and travel costs associated with the holidays, it can be incredibly easy to incur debt if you aren't careful. The best way to prepare for the holidays is to make a list, prepare a budget and start saving ahead of time. To celebrate Christmas in July, we created two savings sheets that will help consumers save up before the holidays.

Why Credit Advice Won't Work The Same For Everyone

July 6, 2015 Huffington Post
It seems like everyone is offering advice on how to improve your credit score, but not all of it will work equally for you. That is because the credit scoring process takes into account many factors and the same advice will affect people differently, depending on their unique credit report. Here are some examples of why the same actions affect consumer's credit scores differently.

Money Fix: Smart Credit Card Rewards

July 5, 2015 Newsday
In a survey, 40% of those polled said convenience was the biggest reason they use credit cards. More than half said if their credit card issuer eliminated all the points, cash back and other goodies, they would use the card as they always have, while 26% said they would use the card less often, and 19% would stop using their card.

Use these cards if you'll pay your entire statement balance in full and on time. Otherwise, interest payments eat into your profits.

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Chris Mettler President,

5 Credit Cards for Overseas Travel

July 5, 2015 Johnny Jet
When you’re traveling overseas, there are a lot of things you have to do differently than when you’re at home. When it comes to paying by credit card, you’ll often find that the card you use at home isn’t suited for making charges in a foreign country. So before you take your next big trip, consider these five credit cards that have the features you’ll need all over the world.

How You May be Getting Shortchanged on Your Credit Card Rewards

July 2, 2015 Kiplinger
Devotees of rewards credit cards, take note: You may not be getting your full allotment of points for purchases made through third parties such as PayPal, mobile card readers, and sites such as Groupon and Expedia.

Merchant codes that card issuers use to classify purchases don’t always transfer. Apple Pay transactions should earn full rewards because of Apple Pay’s direct relationships with banks and card issuers.

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Chris Mettler President,

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.

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Chris Mettler President,

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

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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,

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Chris Mettler President,

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.

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Chris Mettler President,

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

November 14, 2014
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.

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Chris Mettler President,

Brockton High Financial Fair Earns $5,000 Grant

November 12, 2014
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 Watch
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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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.

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Chris Mettler President,

How to Get 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.

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Chris Mettler President,

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.

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Chris Mettler President,

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.

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Chris Mettler President,

Using Balance Transfer to Solve Credit Card Problems

August 28, 2013
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
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, 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. 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.

10 Weird Ways to Use Your Credit Card

March 21, 2012
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."

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Chris Mettler President,

9 Things You Should Always Buy With Your Credit Card

March 20, 2012
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.”

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Chris Mettler President,

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."

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Chris Mettler President,

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."

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Chris Mettler President,

The 7 Deadly Credit Card Sins

January 24, 2012
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."

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Chris Mettler President,

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 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."

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Chris Mettler President,
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