Category: Charging Responsibly

Top Answer:Submitted by Chucks A.
Finding a credit card as a graduate student doesn’t have to be hard. Since only 2 percent of undergraduates have no credit card usage, according… READ FULL ARTICLE

Top Answer:Submitted bySweet-sparkles-07
You’re heading to the grocery store and pull out one of the grocery reward credit cards available in your wallet knowing full well you are about to… READ FULL ARTICLE

 
Top Answer:Submitted by Helen A. Bay
 
In today’s limited economy, having no credit or a low credit score will hurt you. Lenders are less likely to loan to… READ FULL ARTICLE

When was the last time you checked your credit report? Credit reports contain data collected by the credit reporting agency as reported from all of the sources of your credit… READ FULL ARTICLE

The Washington Post featured an article in mid-May that explained how Americans are applying their money to pay off their credit card debt faster, even if doing so means that… READ FULL ARTICLE

Nearly one out of every two cardholders in the USA carries either a Bank of America or Merrill Lynch debit or credit card, and those who do carry this plastic… READ FULL ARTICLE

As recently reported on the Atlanta Journal Constitution's website, consumers are repaying a record amount of credit card debt. In 2010, for example, cardholders managed to pay off more than… READ FULL ARTICLE

The majority of Americans do not understand the importance of their credit score and they also have a mediocre credit score. Plus, according to a recent Harris poll, they do… READ FULL ARTICLE

According to an article distributed by the Fox Business website, the average American has four different credit cards, but a large percentage of those cardholders use at least half of… READ FULL ARTICLE

Although many apps are free for the taking and all you have to do is download them to your smart phone or similar compatible device, what many consumers are now… READ FULL ARTICLE

While more than 70% of today's college kids appreciate the value of a higher education and believe that getting a university degree will enable them to make more money and… READ FULL ARTICLE

According to the IRS, the typical tax refund is right around $2,700, and as we all know people generally like to spend their refund pretty fast. The trick, according to… READ FULL ARTICLE

If you are in an airport and make a phone call at a pay phone but charge it to your plastic, don't be surprised to find a gigantic bill at… READ FULL ARTICLE

Starting in July, the way that credit is reported and how it impacts the consumer's credit score will be slightly changed due to new legislation. Part of the Wall Street… READ FULL ARTICLE

Consumer Credit Counseling Service of Goodwill Industries is now offering consumers a very innovative 12-step formula to financial success, in response to the need for so many Americans to gain… READ FULL ARTICLE

As recently reported by the Associated Press, the up and coming generation is not just in debt from credit cards and student loans but is also falling behind in terms… READ FULL ARTICLE

A new type of technology from Akamai Technologies – a Cambridge MA based company – promises to help free up merchants from security concerns and make it easier and safer… READ FULL ARTICLE

Wells Fargo has responded to the need for the USA to catch up with credit card technology already used in Europe by piloting the Visa Smart Card, which uses modern… READ FULL ARTICLE

The recently published Consumer Credit Report from the Federal Reserve shows that consumer credit increased at an annual rate of 2.5% in January and non-revolving credit increased at a rate… READ FULL ARTICLE

According to a recent FOX news articles about finance, a smart approach to credit card money management is what experts refer to as the “island approach. It is sort of… READ FULL ARTICLE

The Fed recently clarified its rules regarding credit card company promotional or “teaser rates, requiring that card companies cannot increase a cardholder's promotional interest rate unless and until the customer… READ FULL ARTICLE

Within the past few weeks major banks across the USA hikes their fees for using debit cards, while they also discontinued debit card rewards programs. The big banks claim that… READ FULL ARTICLE

Banks have a long way to go before they will restore consumer confidence and high customer satisfaction ratings. But traditional credit unions are still getting stellar reviews because they are… READ FULL ARTICLE

Many of us rely on smart phones that can not only place calls but also relay all of sorts of other digital info back and forth between ourselves, our friends… READ FULL ARTICLE

These days if you use your credit card to pay at a self-serve gas station pump, you may be prompted by the gas pump's computer screen to enter your credit… READ FULL ARTICLE

Anyone who carries lots of credit cards probably has at least one that comes with a stiff interest rate they don't like. But if you want to feel better about… READ FULL ARTICLE

According to a recent blog that was posted in the MoneyBuilder section of the Forbes website, the federal government is now eavesdropping on Americans to track their financial transactions –… READ FULL ARTICLE

While many universities are under fire for the unethical practice of signing lucrative contracts with banks in exchange for pushing credit cards on students and encouraging them to use them… READ FULL ARTICLE

Online shopping used to be for a nerdy minority who were tech savvy and adventurous enough to trust cyberspace with their credit card information, but these days almost everyone shops… READ FULL ARTICLE

Even small town America is not immune from slick scams that try to persuade consumers to accidentally and inadvertently give up their private financial information or credit card account data.… READ FULL ARTICLE

As recently reported by Reuters news agency, one of the members of the U.S. Federal Reserve, Elizabeth Duke, said that because of trouble with credit card debts more people are… READ FULL ARTICLE

Equifax – one of the three major credit reporting agencies in the world – has recently introduced an online tool to help consumer manage and reduce their debt. Hopefully doing… READ FULL ARTICLE

If you want to make a laudable New Year's vow to reduce your debt and also give yourself the chance to win ten grand to help you with your 2011… READ FULL ARTICLE

As recently reported by an Ohio newspaper, college student loan debt has risen to extraordinary levels and it continues to climb – increasing an average of six percent in 2010… READ FULL ARTICLE

Mint.com is one of the most popular online resources for people who are trying to learn how to better manage their money. The company behind the website offers a variety… READ FULL ARTICLE

TIAA-CREF, the leading provider of financial services and retirement planning to the academic, medical, and nonprofit fields, recently awarded Johathan Chan – who graduated from Northwestern University in 2010 –… READ FULL ARTICLE

Lots of experienced travels already know that before you go overseas it is a good idea to get in touch with your bank or credit card company and let them… READ FULL ARTICLE

If you have ever been a victim of a credit card scam you are now in some fabulous company because even superstars have had their credit card numbers stolen and… READ FULL ARTICLE

In some states it is legal to institute a freeze on your credit, which is done by paying a fee of about $20 to each of the “big three credit… READ FULL ARTICLE

Black Friday shoppers on the biggest shopping day of the year did not use as much plastic as they typically do, and that was a bad sign for retailers because… READ FULL ARTICLE

A former employee of JPMorgan Chase filed a lawsuit against the bank for wrongful termination, and now she has filed an official complaint with the Securities and Exchange Commission (SEC).… READ FULL ARTICLE

Browsing the Internet from your favorite caf or while waiting around between flights at the airport can be fun and it can also be a good use of your time… READ FULL ARTICLE

Here are three simple tips that can help you save money when you go shopping in the New Year, because much of the money that consumers piddle away can be… READ FULL ARTICLE

Job-hunting? Might you be soon? If so, you’re not alone. The U.S. jobless rate just hit 8.9%, the worst since 1983-up another 8.5% since the previous month.
Losing your job… READ FULL ARTICLE

2010 is a year full of technological surprises and innovations, from new types of electronic book readers and Internet-enabled cell phones to the fast-selling Apple iPad computer device. Meanwhile social… READ FULL ARTICLE

Banks are still under pressure from Capitol Hill when it comes to charging high fees on credit cards, but this time it is not about fees and rates that you… READ FULL ARTICLE

In response to new and more stringent regulations regarding consumer protection, credit card companies have unveiled a whole range of new card features that are intended to help you manage… READ FULL ARTICLE

Most people just enjoy the convenience of not carrying cash so they carry plastic and pay off their credit card bills immediately. Others carry a Visa or MasterCard because of… READ FULL ARTICLE

We certainly hear plenty about protecting our credit cards, ATM cards, and financial identities. Lots of crooks are out there stealing not just cash but entire credit accounts and they… READ FULL ARTICLE

Heading into a highly contested election season, members of Congress are gaining even more momentum regarding efforts to regulate the financial industry and demonstrate a legislative commitment to protecting the… READ FULL ARTICLE

Lots of Americans changed their credit card habits within the past two or three years because they realized how problematic it could be to carry too much debt or rely… READ FULL ARTICLE

Jumbo loans are a special category of home mortgages that are much bigger than the typical or average home loans. Those who buy more expensive homes – like those that… READ FULL ARTICLE

The adjustable rate mortgage or ARM loan was super popular during the real estate boom, and then it caused serious problems as people who took out low interest rate ARM… READ FULL ARTICLE

Automobile consumers all around the globe are paying close attention to the problems at Toyota – partly because the majority of car drivers own one of those and also because… READ FULL ARTICLE

When it comes to things that totally stress-out average consumers and make them dread walking into an office for an appointment, the experience of dealing with a car or truck… READ FULL ARTICLE

Payday loans – or payday cash advance loans – have become increasingly popular during the recession as people struggle to make ends meet and avoid missing payments or bouncing checks… READ FULL ARTICLE

Apply for a loan with a low score and you run the risk of being denied – or being approved for a loan with higher interest and steeper fees and… READ FULL ARTICLE

Merchant cash advance or business cash advance loans – which came into being over the past 10 years – are gaining in popularity because they offer a relatively hassle-free means… READ FULL ARTICLE

During the peak shopping days in the USA – between Thanksgiving and New Year's – it was discovered that many unsuspecting consumers were being systematically and routinely overcharged on their… READ FULL ARTICLE

Officials in Washington recently enacted new credit card laws to ensure better transparency regarding card terms, fees, and interest rates, and under this new legislation known as the CARD Act,… READ FULL ARTICLE

Especially during the busy summer travel and vacation season, lots of credit card consumers will be faced with an often-perplexing question or choice. Should they go ahead and pay extra… READ FULL ARTICLE

When it comes to the big three credit cards – American Express, Visa, and MasterCard, many consumers get confused about the similarities and differences. But it's actually pretty simple. American… READ FULL ARTICLE

Signing on the dotted line when purchasing a piece of real estate can be scary, because usually the contract represents the biggest financial investment of your entire lifetime. But when… READ FULL ARTICLE

While foreclosure statistics continue to reflect the desperation of the average American homeowner, the Obama administration is pushing new initiatives aimed at providing more resources for borrowers who need assistance… READ FULL ARTICLE

Even real estate professionals are often surprised to learn that many foreclosure-related evictions impact not homeowners but tenants who are renting or leasing. That's because when a rented or leased… READ FULL ARTICLE

One of the big benefits of buying a pre-owned car is that you can great a great car that is in fantastic condition – but for a mere fraction of… READ FULL ARTICLE

In the wake of an automobile accident most people are completely shaken up, even if they managed to escape without any visible physical injuries. But immediately following the accident, drivers… READ FULL ARTICLE

During most of the 20th century, credit came from personal knowledge. The local banker knew his customers personally and knew instantly who was a good risk and who was not.… READ FULL ARTICLE

In the excitement of preparing for travel – especially travel that will take you to a foreign country – it is easy to overlook the small print on a travel… READ FULL ARTICLE

To ensure a safe and successful experience, eBay – which now owns PayPal – provides extra levels of buyer protection for those shoppers who choose to make payments according to… READ FULL ARTICLE

These days there are more and more companies and sellers offering extended warranties at the point of purchase. Those who market the warranties benefit from the fact that that buyer… READ FULL ARTICLE

Although the credit card industry is rapidly changing, some tips from the past may still be valid. Here are four of them:
1. “When ordering airline tickets, pay for them… READ FULL ARTICLE

“In these tough economic times, writes a reporter for The Wall Street Journal (6/17/2009), “Internet, telemarketing and direct-mail con artists know that people of all ages are especially in need… READ FULL ARTICLE

The better your house looks, the more money you may be able to sell it for, and the faster you may be able to sell it. But how much money… READ FULL ARTICLE

Just published, the July issue of Consumers Reports has a three-page article called The New Rules of Using Credit (on the front cover) and The New Credit Crunch (on the… READ FULL ARTICLE

Long-time personal finance writers Ken and Daria Dolan offer 363 pages of helpful advice in their 2003 book, Don't Mess with My Money. Even though many car dealers and certain… READ FULL ARTICLE

Planning a wedding? Want to cut expenses? You'll find plenty of good ideas in the 2004 paperback book, 1000 Best Wedding Bargains, by Sharon Naylor. Packed with “insider tips from… READ FULL ARTICLE

If you apply for a job at most corporations, you may not even be considered if you don't have a college degree, especially one that relates to whatever it is… READ FULL ARTICLE

As the recession continues, more people are selling used stuff they don't need in order to increase their income, and other people are buying used stuff because it's cheaper than… READ FULL ARTICLE

Even if you're not an inventor (he held over 1,000 patents), an innovator (he built an electrical network from the ground up), or a top executive (he controlled a diverse… READ FULL ARTICLE

No doubt you have at least one checking account. And, hopefully, you've never bounced a check. Still, it helps to know about overdrafts, because someday you may deposit a check… READ FULL ARTICLE

In his 2005 book, Good Debt, Bad Debt, Jon Hanson offers comments, quotes and advice in regard to the subtitle: Knowing the Difference Can Save Your Financial Life. Here are… READ FULL ARTICLE

The Chase Freedom credit card is one of the best rewards credit cards available from Chase Manhattan Bank. Right from the start, new cardholders begin receiving rewards such as $50… READ FULL ARTICLE