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Press Coverage

To request an interview with Chief Industry Analyst Matt Schulz or for other media inquiries, please contact us at:

[email protected]

5 things you didn’t realize you could ask for that can save you lots of money


Nearly 90% of people who asked for a late fee to be waived were successful, according to a report from CompareCards, a credit comparison site. Read More

Profitt Report: Looking for a travel rewards credit card? Do your homework


To make a credit card work for you, you first need to be good with paying off your balances. Any points or rewards you earned don't add up if you're paying interest every month. However, if you can work the system and you travel frequently, a travel rewards card might make sense says Matt Schulz of Read More

Consumer Watch: Increasing your credit score fast


“It is the second most important part of your credit score behind your payment history or how often you pay on time,“ says Matt Schulz, Chief Industry Analyst. Read More

Lower credit card rates, waived fees & extended limits there for the asking, survey shows

The Oklahoman

According to an online survey of 1,284 cardholders early last month by Qualtrics for CompareCards by LendingTree, 81% of those who requested reduced interest rates in the past year were successful. The average was about six percentage points. Read More

8 In 10 Americans Want More Credit Card Protection


As the CARD Act passes the ten-year milestone, decided to survey over 1,000 consumers to evaluate the CARD Act and gather opinions on credit card regulation. Read More

Here’s one easy way to pay less to your credit card company


In the past year — a time when interest rates were rising — 81% of cardholders who asked for a lower rate got it, and most got a reduction of between 5 and 6 percentage points, according to research from Read More

What You Should Know About Credit Card Hardship Programs

U.S. News & World Report

Matt Schulz, chief industry analyst at personal finance site CompareCards by Lending Tree and a former U.S. News contributor, says, "These hardship programs aren't supposed to last forever, but can be useful for a little while so you can get back on your feet after a difficult situation." Read More

Your Money: Cash is king with millennials, but delays adulting


They can also pretty easily get a secured credit card, which are offered by most major carriers, said Matt Schulz, chief industry analyst for, a division of LendingTree Inc. These cards function akin to pre-paid debit cards. You put down a deposit that functions as your credit limit, but you do not have to reload after each billing cycle. Read More

What the Credit CARD Act of 2009 Means for You

U.S. News & World Report

A survey completed last month for showed that 47 percent of Americans said they had never heard of the CARD Act. And only 7 percent thought it had a "highly positive" impact on consumers. Read More

Stretch Your Dollar: Changes that might affect the way your credit score is calculated


"Crummy credit is really expensive and some of these changes give people the opportunity to boost their credit score and that could potentially save them a lot of money," said Matthew Schulz, Financial Expert, Read More

How to protect yourself from skimming at the gas pump

Fox Business

When filling up your car with gas, you may end up leaving the station with more than just a full tank. says credit and debit card skimming is a growing threat to consumers at the gas pump. Read More

When you should close a credit card and how to do it right

Fox 5 NY

Half of millennials say they've had their current credit card longer than their current romantic relationship. Matt Schulz, the chief industry analyst with CompareCards, says that isn't a good thing. Read More

Stretch Your Dollar: Preparing for an emergency bank outage


So, what should you do when all online systems are down, and you need cash now? Experts at recommend taking these three steps to prepare for a bank outage. Read More

How to Close a Credit Card the Right Way

U.S. News & World Report

Matt Schulz, chief industry analyst at personal finance site by LendingTree, says, "When it comes to your credit, you're generally better off leaving a credit card open and not using it rather than closing it," particularly if you have few positive credit score factors. Read More

How young people can build their credit


If you're not approved for a credit card, you can apply for a secured card, in which you put down a deposit that becomes your credit line, said Matt Schulz, chief industry analyst at "Be sure that the card's issuer will report your payment history to the credit bureaus so you can start building your history," Schulz said. Read More

Who have you lived with longer? Your spouse or your credit card?


A survey by LendingTree’s CompareCards found that more than one in four cardholders never plan to change their primary credit card, and that lower-income consumers were more likely than higher-income consumers to say so. Read More

The 10 U.S. Cities With the Highest Credit Card Balances


A recent study found that credit card balances increased by an average of 3.6 percent from September 2017 to September 2018 in the nation’s 50 biggest metropolitan areas. And the average credit card balance by city was as high as $7,649. Read More

Survey: Many parents regret letting children use credit cards


A new survey from CompareCards shows that dads are far more likely to give up their card, but they’re also three times more likely to regret that choice compared to moms. Read More

Forget the calories — eating out can fatten your credit card rewards


And these cards make most sense if you already eat out with some frequency, said Matt Schulz, chief industry analyst at "The last thing anyone should ever do is overspend just to get credit card rewards," he said. Read More

The Credit Card Act was passed ten years ago to protect consumers, is it working?

Yahoo Finance

The law passed ten years ago forced lenders to be more transparent about fees and rates. Matt Schulz - CompareCards Chief Industry Analyst - discusses. Read More

There's a new way to instantly boost your credit score

NBC News

“The goal is to bring in as many data points as possible to help the lenders make smart decisions,” said Matt Schulz, chief industry analyst at Read More

Almost 2 In 5 Don't Know How Credit Is Scored


A new survey by finds that 37% of Americans have no idea how their credit score is calculated. Read More

Here's one financial resolution people plan to keep in 2019


A new study from shows that Americans are confident they will be able to pay off their monthly credit card bills a lot more often in 2019. Read More

1 in 3 Americans Went Overboard on Holiday Shopping Last Year

The Motley Fool

During the 2018 holidays, 31% of U.S. adults spent more than expected, according to CompareCards, and that number rose to 44% among parents with children under the age of 18. Read More

The best and worst ways to borrow money during the federal shutdown


"The truth is that a credit card cash advance can be among the best of a bunch of bad options when times get really tough, and a situation like the government shutdown can certainly be one of those times," said Matt Schulz, chief industry analyst at Read More

How are credit scores determined?


Nearly 40 percent of the adults in this country have no idea how credit scores are determined, according to a recent survey by CompareCards. Read More

Mastercard cracks down on retailers who turn free trials into paid subscriptions — without warning customers


‘Millions of Americans have signed up for a free trial, forgotten about it and then gotten billed for it.’ —Matt Schulz, chief industry analyst at personal-finance website CompareCards Read More

The No. 1 way to avoid financial disaster, according to this New York bankruptcy judge


Credit cards are a major cause of bankruptcy, according to a 2018 study by Some 42% of credit-card debtors say they have problems making ends meet, followed by car repairs (29%) and medical bills (27%). Eating out and shopping tied at 22%. Read More

Profitt Report: Almost four in ten Americans don't know how their credit score works


It’s hard to escape it: you need a credit score to get a mortgage, an auto loan or rent an apartment. However, nearly four in ten adults say they have no idea how their credit score works according to CompareCards. Read More

Mastercard to disallow automatic billing after free trial ends

Cards International

Matt Schulz, Chief Industry Analyst at CompareCards, said: “Millions of Americans have signed up for a free trial, forgotten about it and ended up getting billed for the service when the trial ends. It’s an annoying, frustrating experience, but this move by MasterCard seems like it might make that much less common in the future. Read More

What Does Your Credit Score Really Mean, and How Can You Improve It?

Men's Health

According to a recent survey by CompareCards, 37 percent of Americans said they have no idea how their credit score is determined. This confusion seems also to increase by income bracket, as 58 percent of those making $100,000 or more also confessed credit score ignorance. But when given a list of contributing factors to one’s credit score, most Americans (78 percent) selected the best answers, meaning that instead of lacking knowledge, many of us just lack confidence. Read More

Should College Students Have Credit Cards?

U.S. News & World Report

"When you're just getting started, it's really important to know yourself or, if you're a parent, know your kid and understand whether they are someone who is likely to handle this credit limit without going on a spending spree," Schulz says. "Are they somebody who is able to make payments every month without forgetting or being late? It's really important to understand who you are and what you want from the card before you apply." Read More

Losing debt a top priority for many in 2019

Fox 7

A new study shows losing debt is more important than losing weight to people in 2019. Matt Schulz, Chief Industry Analyst at CompareCards, explains. Read More

2 Out Of 5 Balance Transfer Cardholders Don't Pay Off Their Balance In Time


A new study by finds that too many Americans are taking the latter path. The CompareCards 2018 Balance Transfer Credit Card Report shows that 2 in 5 Americans that have had a balance transfer card failed to pay off the full transferred balance before the introductory period expired. Read More

New tricks for raising your credit score are on their way


Financial pros warn consumers to be careful. “Just because somebody will lend you money doesn’t mean you should take it,” says industry expert Matt Schulz. Read More

How much information are you willing to share for a better credit score? Check out Ultra FICO

Pittsburgh Post-Gazette

att Schulz, chief industry analyst at in Charlotte, N.C., said lenders and credit scoring companies have for a long time been trying to figure a way to create a credit score for people who have never had a loan before. Unless a consumer has a car loan, a student loan, a credit card or a mortgage, that person will not have a FICO score. “There are plenty of people out there who are good risks but banks have no way of knowing that if they never borrowed before,” Mr. Schulz said. Read More

The best and worst ways to borrow money during the federal shutdown


“The truth is that a credit card cash advance can be among the best of a bunch of bad options when times get really tough, and a situation like the government shutdown can certainly be one of those times,” said Matt Schulz, chief industry analyst at Read More

Tackling debt in the new year

Fox 7

Matt Schulz with talks about key findings in the recent 2018 Balance Transfer Credit Card Report. Read More

How to get the most out of a balance transfer credit card


CompareCards has studied the terms and conditions of more than 160 balance transfer cards and found that there are still plenty of zero percent introductory rate options. But it’s important to read the fine print and use the cards to your full advantage. Read More

A beginner’s guide to credit card rewards


Banks compete for business by offering perks when you sign up for their cards and then swipe them — a dynamic that’s been heating up lately. “It’s a very, very good time to shop for credit card rewards,” said Matt Schulz, chief industry analyst at Read More

Misplace your credit card? Lock it online or with your smart phone

Columbus Dispatch

Matt Schulz, chief industry analyst for, said the lock-unlock option is meant to give consumers more control over their accounts. Read More

How the Fed’s move impacts you

Associated Press

A quarter-point hike by the Fed can show up as soon as one or two billing cycles later on a variable rate credit card, said Matt Schulz, chief industry analyst at The vast majority of U.S. credit cards today are variable-rate cards, meaning their annual percentage rate charged to users can jump anytime. The average annual percentage rate on credit cards is around 17 percent right now, according to Read More

Americans could pay $2.4 billion more on their credit-card debt after Fed rate hike


What that means for consumers: Their credit-card bill is going up, too. Consumers with credit-card debt will likely pay an additional $2.4 billion in interest payments annually as a result of the Fed’s decision, according to an analysis from the credit-card website To determine that number, analysts at the site looked how much those carrying a balance pay in interest, based on the current average annual percentage rate (APR). Read More

Here’s how that Fed rate hike will impact you


“The best way to protect yourself from rising rates is to make interest rates a moot point by paying off your balance — that should be your goal,” said Matt Schulz, the chief industry analyst at CompareCards. Read More

Borrowers See Rates Rise Unevenly Ahead of Fed’s Move

The Wall Street Journal

“Generally speaking, when the Fed raises rates, you’ll see the interest rate on your credit card go up in the next billing cycle or two,” said Matt Schulz, chief industry analyst at Read More

You may soon be able to use your cellphone bill to boost your credit score


And having a better score doesn’t mean you should start recklessly borrowing money. “There’s no question that just because somebody will lend you money doesn’t mean you should take it,” says Matt Schulz, chief industry analyst at CompareCards. Read More

Balance Transfer Cards: Denting Debt

Terry Savage

According to a new Balance Transfer Credit Card Report from, 41 percent of Americans have used a balance transfer card in the past, but four in 10 have failed to pay off the balance during the reduced or free introductory period. Read More

Wealthier Americans are most likely to get a balance-transfer credit card — but many are using them all wrong


More than two-thirds of consumers with an annual household income of $100,000 or higher have used a balance-transfer card at least one — and nearly half of these consumers have opened one of these cards multiple times, according to a recent report from CompareCards. Read More

Survey: Consumers less confident about paying off credit card bills


CompareCards reports its Credit Card Confidence Index dipped in December showing consumers are less confident they can pay off their credit card bills in full. That doesn’t necessarily mean that consumers won’t keep spending, but worries about carrying a balance -- or increasing one -- could rein in purchases. Read More

7 Stats About Christmas Spending That Will Knock Your Stockings Off


Save even more by signing up for the right credit card before making all of your holiday purchases. According to Matt Schulz, chief industry analyst at CompareCards by LendingTree. Read More

This Week In Credit Card News


Only 59% of cardholders have paid off their balance transfers before the end of the introductory period, according to a new survey from CompareCards. Balance transfer cards remain a popular choice for Americans with 41% say they have had a balance transfer card in the past. Read More

How to make sure a balance-transfer card will help you pay down your debt


More than 40 percent of consumers who take advantage of these deals don’t get the balance paid off during the special-rate period, according to a new study from Read More

Customers unable to make the most of balance transfer cards

Cards International

A new report by CompareCards has revealed that despite introductory offers, users of 0% balance transfer cards are unable to make the most out of the product. Read More

3 Common Holiday Spending Mistakes — and How to Avoid Them

Southern Living

Regardless of your personal shopping budget, everybody can benefit from a refresher course on how to spend smartly over the holidays. Below, we tapped Matt Schulz, Chief Industry Analyst at CompareCards, a comprehensive credit card comparison website from the folks at LendingTree, for three common mistakes people make over the Christmas season. Read More

Beware: These moves can leave a dent in your credit score


Ten percent of your score is about the variety of your debt, said Matt Schulz, credit expert at “If you’ve had a car loan, a personal loan, a credit card and a mortgage and handled them all well, you’re probably going to have a higher score than someone who has just had a credit card — all other things being equal,” Schulz said. Read More

The 10 cities in the US where credit card balances are increasing the most


A new report from finds that Americans are increasingly reliant on credit cards. Across 50 major U.S. cities, credit card balances grew 3.6 percent on average over the past year, according to the report, which cites data from My LendingTree. In some cities, average balances grew more than 10 percent. Read More

Marriott's Starwood database hacked


Marriott International said on Friday hackers accessed about 500 million records in its Starwood Hotels reservation system in an attack that began four years ago. Read More

Austin swipes highest increase in credit card debt in U.S.

CultureMap Austin

The study, released by credit card platform CompareCards, found that the average credit card balance in the 50 largest metros went up by 3.6 percent from September 2017 to September 2018. In that time, the average credit card balance in the Austin area shot up 12.3 percent — from $6,165 to $6,924. Read More

3 In 10 Kids Have Used Parents' Credit Or Debit Cards Without Permission


A new survey by finds that 29% of Americans with children below the age of eighteen have had a child use their credit or debit card without permission. Meanwhile, 52% of respondents gave their child permission to use their credit cards or debit cards – with 36% allowing three or more purchases. Of that 52% of respondents, 48% regretted their decision. Read More

5 Credit Card Benefits You May Not Know About

Consumer Reports

"Even though you can't get as much benefit from it now as you once could, in terms of dollar value, it's still a great option,” says Matt Schulz, chief industry analyst at Read More

Store credit cards: How to get the most out of them during the holidays

USA Today

Three-fourths of Americans have at least one store credit card in their wallet, according to a recent survey from But nearly half of them regret it. Read More

Is a store credit card worth it?

NBC News

A recent study by CompareCards looked at credit cards from 50 of the nation’s largest retailers. Read More

How to come out ahead with rewards cards


If you’re in the market for a new credit card, be honest with yourself about how you plan to use the card and what you want to get from it, advised Matt Schulz, the chief industry analyst at CompareCards. Read More

Before You Apply For That Store Credit Card...


“If you see ‘no interest’ and ‘if paid in full’ in the same sentence, that should be a red flag,” says Brian Karimzad, a researcher at That wording would indicate that the card’s zero-interest period is conditional, not guaranteed. Read More

Best way to avoid store credit card remorse: Don't get one


When it comes to store credit cards, the pain can go and on. In a new survey, 75% of those polled have had a store credit and 50% of them regretted it. Read More

Half of Americans with this credit card regretted getting one


The average annual percentage rate (APR) for a store card is 24.97%, according to CompareCards. Read More

New Credit Score System Might Make It Easier to Get A Mortgage


The sweet spot for UltraFICO is consumers in the 500 to 600 traditional FICO range and those who don’t have any credit score at all. Consumers with good to great credit? It’s not going to have much of an impact, according to Matt Schulz, chief industry analyst at CompareCards. Read More

Set boundaries for kids and credit cards

Tribune Content Agency

Data compiled by CompareCards service revealed that more than half of parents with children under age 18 have let their kids borrow the plastic, and nearly half of those respondents regretted doing so. Read More

Companies need to let you know about data breaches — eventually

Yahoo Finance

A survey compiled by CompareCards found that over the last 12 months consumers have been more proactive in protecting their personal information, with 65 per cent of consumers reporting to have looked at their online bank and credit card statements more often, and 50 per cent of respondents said they set up alerts to notify on statement charges. Read More

Should you let your child use your credit card?


A survey by CompareCards, a subsidiary of LendingTree, found 52 percent of parents have allowed their children under 18 to use their credit cards to make online purchases. Not surprisingly, 48 percent of the parents who did that now say they regret doing it. Read More

New Type of Credit Score Aims to Widen Pool of Borrowers

The New York Times

“This is all about giving banks a bigger pond to fish in for customers,” Matt Schulz, chief industry analyst at, said in a statement on the scoring option. Read More

Almost half of Americans have loaned their credit or debit card to children under 18: survey

Yahoo Finance

Yahoo Finance’s Alexis Christoforous talks with Matt Schulz of about parents loaning their children credit cards. Read More

Your child could be running up your credit card bill. You can fix that


A new survey from CompareCards found that 29 percent of parents have had their children under age 18 use their credit or debit cards without their permission. Read More

Half of parents who trust their kids with this money move regret doing it


More than half of Americans with kids under 18 have let their kids borrow their credit or debit card to buy something online, according to research released this week by Often that doesn’t go well: Nearly half (48%) of them regret doing it. Read More

The 4 Worst Retail Credit Cards for This Holiday Season


The average annual percentage rate (APR) for retail credit cards is 24.97 percent, according to a recent analysis. Meanwhile, the average APR Americans pay on their credit cards is 16.46 percent. Read More

New FICO score will help more people get access to credit, banking pros say

NBC News

“There’s long been a real interest among the banks to find a way to assign a credit score to folks who have never taken out a loan, so there’s a lot of work that’s being put into finding some way to predict the creditworthiness of folks who have very little credit,” said Matt Schulz, chief industry analyst at CompareCards. Read More

The Danger of Store Credit Cards


Should you sign up for the store credit cards the cashiers are always pushing? According to, you may want to think twice before saying yes. Store cards may save you on one purchase but could cost you in interest rates. The average annual percentage rate among the 50 companies in the report was almost 25 percent. Read More

FICO credit scores may jump, yet consumers should be wary. Here’s why


A separate report by CompareCards recently reviewed credit cards from 50 of the nation’s largest retailers and found the average store card APR is now nearly 25 percent and can be as high as 30 percent. Read More

New FICO credit score will include info from checking, savings accounts

San Francisco Chronicle

The new score also could help mainstream lenders compete with startups such as Petal, a credit card issuer that looks, again with permission, at an applicant’s bank account information, said Matt Schulz, chief industry analyst with He added that banks “have been doing this internally for years,” meaning that if a checking account customer wants credit, the bank will look at the customer’s checking account history. Read More

Data breaches prompt consumers to protect themselves

CTV News

A new survey by CompareCards indicates that in the last 12 months, consumers have taken some kind of action to protect themselves. Read More

This Week In Credit Card News

Forbes Read More

Why women notoriously have more credit card debt than men

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%. Read More

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


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. Read More

American Express plans major changes to its popular Gold Card


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 Read More

Facebook says 50 million user accounts affected by security breach

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.” Read More

Here's how the Fed rate hike will impact you


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. Read More

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


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. Read More

An Early Look at Holiday Spending

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. Read More

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


"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. Read More

Americans paid over $100 billion in credit-card interest in 2017—and they’ll pay even more this year


When the Fed raises rates, which it in June, credit-card debt gets more expensive, because banks often pass on those higher rates to customers. Consumers with credit-card debt will likely pay an additional $2.2 billion this year in interest payments because of the last rate hike, the credit-card website CompareCards found. Read More

Chase and Southwest have a new travel credit card, but is it a good deal?


Still, these types of travel credit cards can be limiting for travelers who don’t want to fly with just one airline, said Matt Schulz, chief industry analyst at Read More

These Secret Changes Could Impact All Of Our Finances


Credit cards can be the biggest asset or the biggest liability in your wallet, depending on the decisions you make. Many rewards cards users—40%—carry a balance, according to a study by Read More

Don’t ever do this with your credit card


Nearly 40% of cardholders with a rewards credit card carry a balance, according to a recent survey from the credit-card website Read More

Chase axes perk from its Sapphire Reserve card—why your issuer could do the same


Many cardholders don’t even know which perks and protections their cards offer, according to a survey from the credit-card website Read More

The average credit card charges over four different fees


An analysis of 200 popular credit cards by CompareCards, part of LendingTree, has found every credit card charges at least one fee, with the average card assessing 4.35 different kinds of fees. Read More

Most people choose not to attend destination weddings

CBS News

A destination wedding costs the typical guest a whopping $1,421 on average, including travel, gifts and personal items required to attend, according to a survey by Read More

What Does It Cost to Attend a Destination Wedding?

The Motley Fool

The average destination wedding costs each attendee an average of $1,422, according to a recent survey of 1,000 wedding guests by The average outlay rises to $2,514 when the event takes place outside the United States. Read More

How Much Does It Cost to Go to a Destination Wedding?

Inside Weddings

CompareCards, a website that allows users to view different credit card offers in one place, surveyed 1,000 Americans to learn about the financial impact destination weddings have on both guests and the hosting couples. Read More

A Wedding Invitation Should Come With a Price Tag


If the betrothed opt for a destination wedding—as so many couples do these days—the average guest spend is $1,421 in the US and $2,514 if the wedding is abroad, according to a survey from credit card company CompareCards. Read More

Average credit card rate now exceeds 15 percent


But a bright spot in the analysis shows consumers paid off a big chunk of their credit card balances, perhaps applying some of their tax refunds to their debt. Read More

How to lower your credit card rate with a single call


According to, only one in four credit card holders bothers to ask for a lower APR, and of those that called and make the request 64 percent did see a reduction in their rate Read More

Plot Your Strategy to Pick the Best Rewards Card


If you tend to carry a balance from month to month, the interest you pay is likely to cancel out the rewards you earn. A CompareCards survey found that 39% of rewards credit card holders carry a balance, with an average total balance of more than $2,500. Read More

20% of People Track Their Miles More Carefully Than Their Money

The Motley Fool

A recent study from CompareCards showed as many as 20% of rewards card users actually track their credit card miles more carefully than they do their checking account balance. That's one in five cardholders who are keeping more careful track of free miles than their hard-earned cash. Read More

This one simple trick could help you dodge a credit card late fee


That’s according to financial website, which conducted a survey of more than 1,000 Americans with at least one credit card about their interactions with card issuers. “As a customer, you have the ability to ask your card issuer to change the terms of your card pretty much anytime you want, ” the site points out. Read More

Best travel cards 2018: How to find the best credit cards and when it’s better to go with cash back


A person who spends about $3,500 on vacation in Europe, for example, racks up an extra $100 in foreign transaction fees, according to a recent study by CompareCards. Read More

Don’t fall for this expensive and common misconception about credit cards


More than half of all credit cards charge a foreign transaction fee, according to a separate analysis on foreign transaction fees released Tuesday from Read More

What You Don't Know About Foreign Transaction Fees


A separate report from found that nearly half of all cards charge the fee. Read More

On the Spot: Having extra protection from credit cards can be like money in the bank

Los Angeles Times

But these cards are more than just a pretty face. Many have benefits that you don't think about, maybe because you don't know about them. In fact, according to a recent CompareCards survey, almost half of card holders don't use the benefits. Read More

America's debt load is reaching a tipping point

NBC News

A new survey from found that nearly two-thirds of cardholders who contacted the lending institution and asked for a lower APR got one. It appears that many people don’t know they can ask for a better interest rate; only about one in four cardholders said they had ever done so. Read More

Survey finds 39 percent of rewards cardholders are paying interest


A recent survey by found that 39 percent of consumers with a rewards card carry a balance. The researchers say the average balance is $2,547. Read More

Had a Credit or Debit Card Declined? Chances Are, It Was Your Fault

The Motley Fool

It's estimated that 26 million Americans had at least one credit or debit card declined over the past year, and the most common reasons were insufficient funds in the case of the latter, or having maxed out one's credit limit in the case of the former. All told, 12% of credit and debit card users were stuck in the sort of uncomfortable situation detailed above, according to data from Read More

12% of Americans Had a Credit Card Declined in 2017

The Motley Fool

Having a card denied happens more often than you may think. In fact, a just-released survey from found that 12% of credit and debit card users had at least one card declined in the past year. That's roughly 26 million people who suffered through having a card turned down, based on the number of Americans who use at least one debit or credit card. Read More

When credit card is declined, it’s a symptom of a problem


According to a new survey by CompareCards, 12 percent of credit and debit card users had at least one card declined in the last year. Read More

A new nightmare for furloughed workers — preventing damage to their credit scores


If affected federal workers do end up having a missed payment documented on their credit report, they should explain what happened, said Matt Schulz, chief industry analyst at Some banks have even delayed credit reporting for furloughed workers in the past, he said, though there’s no guarantee of that. “It’s worth your time to make a phone call,” he said. Read More

Credit card rewards expected to improve in 2018


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." Read More

Credit Cards Trends to Watch in 2018


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. Read More

Here’s How Almost Half of the Country Is Losing Money on Balance Transfer Cards


The Federal Reserve’s recent interest rate hike makes carrying credit card debt even more expensive for card holders, and many have started looking toward balance transfer cards to help them get out from under that debt, according to CompareCards’ 2018 Balance Transfer Credit Card Report. Read More

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

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. Read More

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


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. Read More

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

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. Read More

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


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. Read More

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


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. Read More

Beware the pitfalls of deferred-interest deals

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. Read More

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

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. Read More

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


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. Read More

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


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. Read More

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


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. Read More

Survey finds consumers still unprepared after Equifax breach


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. Read More

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


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. Read More

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


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. Read More

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


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. Read More

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


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. Read More

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


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. Read More

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

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. Read More

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


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." Read More

This luxury credit card is only for truly big spenders


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.” Read More

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


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. Read More

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


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. Read More

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


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. Read More

4 Credit Card Tips to Make Business Travel Easier


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. Read More

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

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. Read More

When It Pays to Book Directly with a Hotel

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. Read More

3 Common Credit Mistakes New Business Owners Make

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. Read More

Restoration Hardware joins trend of charging customers for loyalty program

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. Read More

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

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. Read More

5 Signs It's Time for a New Credit Card

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. Read More

4 Reasons You Need a New Credit Card for Your Business


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. Read More

Credit vs. Debit Cards for Online Shopping

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. Read More

Should You Pay Your Taxes With a Credit Card?

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. Read More

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

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. Read More

How to Fly Your Pet for Free

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. Read More

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

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. Read More

4 Things You Should Know About Business Credit Cards


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. Read More

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

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. Read More

Five Tips to Shred Your Credit Card Debt in 2016

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. Read More

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

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. Read More

6 Tips for Boosting Your Credit Score in 2016

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. Read More

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

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. Read More

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

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. Read More

Best Credit Cards for Cyber Monday

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. Read More

Best Credit Cards for Black Friday

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. Read More

Honeymoon Travel Hacks for the Budget Savvy Bride

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. Read More

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

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. Read More

The Best Low Interest Rate Credit Cards for Holiday Spending

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 Read More

7 Best Rewards Credit Cards for Holiday Shopping

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. Read More

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

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. Read More

How to Avoid Airline Price Surges This Thanksgiving

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. Read More

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


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. Read More

4 Reasons to Love Hotel Rewards Programs

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. Read More

Pros and Cons of Opening Store Credit Card

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. Read More

7 Things Americans Need to Know About Traveling to Cuba

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. Read More

The Public May be Losing its Affinity for Travel Credit Cards

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. Read More

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

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. Read More

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

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. Read More

Act Now to Save Big on Your Next Ski Trip

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. Read More

Five Things You Need to Know About Chip Cards

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. Read More

5 Top Credit Cards for Travel Rewards

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. Read More

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


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. Read More

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

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. Read More

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

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. Read More

4 Easy Ways to Maximize Travel Rewards

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! Read More

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


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. Read More

Should Your College Kid Get a Credit Card?

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. Read More

6 Stealthy Credit Report Errors You Can Quickly Eliminate

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. Read More

Websites That Offer a True Free Credit Score


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! Read More

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


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. Read More

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

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. Read More

Rack up Credit Card Rewards and Win

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. Read More

The Credit Card Dispute Process

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. Read More

What Happens When You Open a Credit Card Account?

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? Read More

Are Elite Credit Cards Most Vulnerable to Hackers?

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. Read More

Why You Should Know the Different Types of Credit Card APRs

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. Read More

Earn Rewards for Your Daily Commute

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. Read More

How to Spend Less Dining Out

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. Read More

The Biggest Financial Takeaway From the Ashley Madison Hack


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. Read More

Unexpected Effects of Poor Money Management

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. Read More

Are mobile payment apps safe?

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. Read More

Is Your Digital Wallet Stiffing You on Credit Card Rewards?

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." Read More

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

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? Read More

5 Ways to Protect Your Personal Identity

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. Read More

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

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. Read More

Earn Rewards for Summer Travel

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. Read More

Teach Kids About Money Management, Not Just Abstract Math


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. Read More

Squash Holiday Debt by Saving in July

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. Read More

Why Credit Advice Won't Work The Same For Everyone

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. Read More

Money Fix: Smart Credit Card Rewards


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. Read More

5 Credit Cards for Overseas Travel

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. Read More

How You May be Getting Shortchanged on Your Credit Card Rewards


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. Read More

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


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. Read More

How to Use Credit Card Rewards for Savings

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. Read More

Use Credit Monitoring to Catch Errors Faster

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. Read More

How Families Can Use Summer to Teach Kids About Money

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. Read More

4 Habits of Consumers With Poor Credit Scores

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. Read More

7 of the Worst Credit Card Mistakes You Could Make

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. Read More

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

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. Read More

6 Habits of Consumers With Excellent Credit Scores

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. Read More

How Credit Card Interest is Calculated & How to Pay Less

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. Read More

Top Travel Rewards Cards: Your Guide to Big Redemption Returns

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. Read More

Credit Cards for Pet Expenses

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. Read More

Shortcuts for Comparing Balance Transfer Offers

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. Read More

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

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. Read More

Should You Give Employees Corporate Credit Cards?


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. Read More

Some Digital Wallets Can Limit Your Reward Points


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. Read More

Money is Everything: Personal Finance for The Brave New Economy

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. Read More

The CFPB & Prepaid Industry Face-off

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. Read More

Credit Card Rewards Redemption: Value vs Points

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. Read More

7 Promotional Scholarships That Pay


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. Read More

Food Spending: How Much is Too Much?


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. Read More

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

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. Read More

How to Find the Right Lending Alternative for Your Small Business


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. Read More

Can Your Credit Score be too High?

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. Read More

Teach College Kids Essential Money Lessons

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. Read More

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

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. Read More

Google Wallet Setting Safety Standard

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. Read More

America's Transition to Chip Enabled Credit Cards

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. Read More

Why It's Smart to Use Credit for Purchases

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. Read More

Bankers Predict Higher Credit Card Balances in 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. Read More

13 Money Management Lessons for Kids

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. Read More

How to Use Plastic as an Emergency Funding Tool

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. Read More

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

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. Read More

Raising Entrepreneurs for a Brighter Financial Future


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. Read More

Proof That State-Mandated Financial Education Programs Work

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. Read More

How Credit Cards Help With Tax Preparation

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. Read More

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

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. Read More

6 Good Credit Card Moves That Are Actually Terrible

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. Read More

10 Fun Ways to Boost Your Financial Fitness

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. Read More

Don't Let Student Debt Hogtie Your Business


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. Read More

11 Things Entrepreneurs Need to Know

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. Read More

The Credit-Card Survival Kit Your Small Business Needs


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. Read More

Financial Sense 301: Making it in The Real World

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. Read More

Build Solid Credit With Solid Habits

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. Read More

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

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. Read More

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

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. Read More

Full-Timer's Primer: The Fine Print

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. Read More

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

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. Read More

Financial Sense 101: Prepare for College Before the Freshman Fifteen

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. Read More

Financial Education: The American Education System is Failing Our Students

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. Read More

Six Habits of People With Excellent Credit Scores


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! Read More

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

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. Read More

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

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. Read More

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

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. Read More

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

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. Read More

Cracking the Case of the Mysterious Credit Card 'Hold'

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. Read More

10 Best Rewards Credit Cards of 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. Read More

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

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. Read More

Brockton High Financial Fair Earns $5,000 Grant

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. Read More

Why Gene Simmons is Wrong About Women and Financial Dependence

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. Read More

Top Frugal Tip

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. Read More

Credit Cards For People With Bad Credit


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. Read More

Understand Your Credit Utilization Ratio


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. Read More

3 Startups Offer New Microloan Options for Entrepreneurs With Big Ambitions


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. Read More

What Marketers Can Learn From the Credit Card Industry


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. Read More

How to Get a Credit Card After Being Rejected

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. Read More

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

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. Read More

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

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. Read More

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


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. Read More

Using Balance Transfer to Solve Credit Card Problems

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. Read More

Credit Card Strategies for Retirees

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. Read More

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

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. Read More Named to Consumer Action's Fall Credit Card Comparison Survey

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. Read More

10 Weird Ways to Use Your Credit Card

Certain transactions traditionally thought to be reserved for cash only are now available on credit cards, thanks largely to technological advancements. Read More

9 Things You Should Always Buy With Your Credit Card

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. Read More

7 Small Mistakes That Will Hurt Your Credit Score

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. Read More

5 Ways To Avoid Footing The Bill For Credit Card Fraud

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. Read More

The 7 Deadly Credit Card Sins

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. Read More

Consumers Tackle Credit Cards as Issuers Offer More Rewards

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. Read More

12 best credit card offers for 2012

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. Read More