Visa's black card shows rewards going upscale

Anna Von Blucher III uses the Visa Black card. It's been widely reported this week that credit card companies are becoming increasingly stingy ... credit card to be released in Kazakhstan, The real dirt on celebrity credit cards ... . But, epically sad, they will now only get a $200 credit. The increase in rewards slashing is blamed [more...]

Date: 2009-01-15 23:04:10

Blog posts (754) | Videos (660)
 

Needing Help!!

As I have mentioned in my earlier posts that I am now having a major difficulty in handling my credit card bills ... consolidate their credit card debts and also reduce interests; thus giving each families ... of not sending us money, I already incurred over dues and consistent follow-up calls from credit card [more...]

Date: 2008-06-23 11:44:44

What Is A Charge Card?

A couple of days ago, I posted this story about a guy who beat debt.  One of his solutions was   “getting a charge card which feels like a debit card (and pays for itself with the amount I spend), so I never trap myself in to thinking I’ll pay things off later.” Emphasis mine. What Is A Charge Card Frankly, between debit cards and credit cards and ATM cards, it is easy to forget that there is another type of plastic option, the charge card. [more...]

Date: 2009-08-07 00:00:34

Help a Reader Payoff Debt

Last night I got a call from a friend looking for some financial help. He has $14,300 in debt and has a goal to be debt free by November ... Details Here are the details of his debt: Personal Line: $3,500 balance @ 15% - $7,000 limit Credit Card ... Plan When Does the 0% Credit Card Really Expire? The Great Credit Card Debate Continues…. Debt [more...]

Date: 2008-06-24 13:29:39

Are your APR’s increasing and you have no clue what is happeneing

Credit card issuers have large amounts of power over us, and it seriously is ludicrous. They have the right to significantly jack up our interest rates, lower our credit limits, and even share personal information on us. Credit card sign up applications are extremely one-sided and only benefit one party, the credit card organization. Most consumers are under the misconception that these are legal documents they are putting their name on, but that isn’t the situation whatsoever. [more...]

Date: 2009-09-06 13:11:38

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

Quelle Surprise! Credit Card Companies Opposed to Proposed Regulation

Credit card companies, once having had Washington in the palm of its hand, is now facing a backlash as "gotcha" fees combined with a lot of Americans paying credit card rates that a generation ago would ... , a former loan shark, was in wonder of the credit card industry's practices. Said uncle did 15 years [more...]

Date: 2008-07-05 06:19:09

U.S. Debt Consolidtion Company - Right Place To Consolidate Your Credit Card Debt

Amazon.de Widgets Credit card debt is something that over 47 meg Americans are currently experiencing. There has never been a time where so many people are in debt and creditors of unsafe debt are becoming rattling worried most collecting. Delinquent accounts are increasing at unprecedented rates and creditors are thence agreeing to rattling generous debt consolidation in order to collect at least a small proportionality of their money. [more...]

Date: 2009-09-18 11:12:16

Paid Estimated Taxes, Who Sold Their Car? @ The Roundup

On Estimated Taxes The weekend was uneventful but we did have to pay our estimated taxes a few days ago ... out after reading about John McCain’s credit card liabilities. Over $100,000 in credit card debt ... month. Interesting bit here on the credit card habits of our political candidates. Five Cent [more...]

Date: 2008-06-16 16:02:44

Credit card conundrum…

So on a completely different note, I need some advice about the dreaded credit card. I’ve never even been vaguely tempted to get a credit card because I like only spending money ... like a Clicks credit card? Any horror or success stories to steer me in the right direction? Help! [more...]

Date: 2009-01-15 11:28:19

Free Money

Every Friday, it’s time for Free Money here at My Dollar Plan! ... Gift Cards from MyPoints Earn Cash Back with Big Crumbs Cashbaq $5 Signup Bonus Credit Card Bonuses ... Transfer Credit Card Offers The Best Airline Rewards Credit Cards Best Travel & Hotel Rewards [more...]

Date: 2008-12-26 14:29:46

Getting Out Of Credit Card Debt

Now that the nation is fully aware of how much debt we are facing as a country and individuals the time has come for each person to address their own personal finance demons.  The one thing that commonly holds consumers back from achieving their financial goals is high interest credit card debt.  Statistics vary on how much debt each household is currently carrying but the sad truth is many people are living paycheck to paycheck just trying to make ends meet.  When credit card payments [more...]

Date: 2009-09-07 06:00:00

56,000 More Victims of Heartland Breach

About 56,000 members of Suncoast Schools Federal Credit Union have been notified that their debit card accounts were exposed to fraud. It is the latest casualty of last year's breach of Heartland Payment Systems, one of the country's largest credit card processors, where information from more than 100 million credit and debit card transactions was exposed. Not until the end of May did Suncoast discover that some of its customers who use Visa Check Cards could be in danger. [more...]

Date: 2009-06-18 23:04:00

Best Prepaid Credit Card – What To Look For

September 27, 2009 | By Dan Moskel In Finance | by Dan MoskelYou may have heard of these and asked, “why are they called credit cards if you receive no credit?” To answer that question and many others, let’s look at them in detail.Nearly all of the major issuers offer these. The concept is very simple. Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail. It looks identical to a regular one typically with a Visa or MasterCard logo. [more...]

Date: 2009-09-27 18:13:10

Citigroup (1998-2009) R.I.P.

Citigroup was born illegitimate and, having recently become a ward of the federal government, is now in the process of being dismembered ... . The company’s private banking operation was caught up in a money laundering investigation. Its credit card ... and credit cards. It was also a reach for supposed greatness by Weill and his Citicorp counterpart John [more...]

Date: 2009-01-15 05:44:49

Using Credit Cards

Almost everywhere we turn we see advertisements for us to get hold of another credit card so we can spend and get those things that we love ... of non profit debt consolidation companies who include credit card debt management in their services ... vacation, we can all take advantage of the extra funds that using a credit card brings [more...]

Date: 2009-01-15 15:06:03

Going cashless - against the grain

Forever the contrarian, it seems.  While others are opting for cash only transactions to avoid credit card balances, I am doing just the opposite.  I have streamlined my wallet to include only my ID, one credit card, an ATM/Debit card ... the handling of tainted and/or counterfeit billsAnd of course, some of the cons might be:Credit card [more...]

Date: 2009-01-16 01:05:00

Forgiven Debt Isn't Really Forgiven At All

By Kate Luther If you've been struggling with the rest of the economy, chances are you've been forced to rethink your financial priorities. And as a result, credit cards are often the first thing to go. The good news is that once you get behind, many credit card companies will offer to "settle" your account, some for as much as just 40% of your original balance. And if you're looking at a large chunk of credit card debt, making it go away for 40% of its value sounds like a pretty good deal. [more...]

Date: 2009-09-22 13:00:09

check your credit report

Credit record is an asset here in the U.S. I would say that we must really take care of it ... affects my credit score. And I hardly ever use my credit card. I have a friend whose credit rating ... . We should use our credit cards wisely and pay off our debts on time. Otherwise, debts could [more...]

Date: 2009-01-15 20:31:06

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

Finance Crisis Hits Credit Card Business

The financial crisis appears to be spreading to the credit-card business. Credit card companies say that their charge-offs of delinquent debt from card-holders have spiked to 5.5 percent, and could jump to 8 percent in coming months, a level not seen since the dot-com [more...]

Date: 2008-10-31 17:12:26

The Situation of Credit Card Regulation

Situationist Contributor Adam Benforado recently published the following op-ed, titled “Time to Rein in Tricks of the Financial Trade,” in Cap Times . * * * I have a confession: I teach contract law, and I do not understand everything in my credit card agreement. If business law professors are getting lost in the fine print of consumer financial products, we have a fundamental problem. Back in the early 1980s, the average credit card contract filled up a single page. [more...]

Date: 2009-09-28 04:01:16

More Bank Woes: Spreads on Credit Card Securitizations Rise

It isn't surprising to see spreads on credit card debt on the increase. In fact, it might seem odd that it has taken this long ... recourse, than from their credit card debt (yes, refis as opposed to purchase money mortgages ... feel newly emboldened by the bill to try to extract more from credit card borrowers than they would [more...]

Date: 2008-09-02 23:37:14

Personal Finance in Japan: An American View

This is a guest post from Steve in Bibai, Japan. He’s offered, several times, ... , but anyone with financial limits would pay by credit card.  Several 40-something civil servants (upper middle class) in my office have never even owned a credit card.  Those who do have a credit card [more...]

Date: 2008-11-27 13:00:34

The Fed Should Buy Down Consumer Credit Card Rates - Fast

Lets say I owe the bank behind my credit card  1k dollars and Im paying  10pct interest because the best I can do is a little bit more than the ... that I have my credit card  with and charge it 5pct plus some warrants to in turn loan that money back ... with to help save people’s homes, are many of the same banks that are pounding credit card holders [more...]

Date: 2008-10-24 23:38:36

The Plastic Generation

This is guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... can be a quick way to financial disaster. Some signs include: being broke having a credit card balance unpaid ... work for the credit card companies. Here’s an idea to assist you. Pay for everything in cash! Until [more...]

Date: 2008-07-03 15:30:45

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post. My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card can have on your credit score. My recent two-part series on responsible credit card use (Five [more...]

Date: 2008-09-16 12:00:22

The Schwab Bank Invest First™ Visa Signature® Credit Card

The name of the card has clearly too many symbols and arguably too many syllables, but when the daily financial news is consistently dire, ... against carrying a balance on a credit card from month to month (incidentally, so does Dave Ramsey ... to literally take advantage of a credit card’s bonus features, check this out: Unlimited 2% “cash” back [more...]

Date: 2008-12-09 12:56:30

Debit Card Liability Protection

I recently asked a representative from Visa’s debit card division (site sponsor) ... you pay nothing if unauthorized purchases are made on either a credit card or a Visa Check card ... several questions about my favorite alternative to the credit card - the debit card.  Here’ [more...]

Date: 2008-12-24 04:36:22

Chad's Fantasy NASCAR 2009 Is Ready

Hello, all Well, the Super Bowl is quickly approaching, so of course that means NASCAR is about ready to fire up and start racin! ... ://chadsfantasynascar.com/ How to sign up - Online with a Credit Card o The credit card processing is secure and run through PayPal, so we never see your card number. o If you played last year you can use [more...]

Date: 2009-01-15 03:40:32

Mike Murdock Preacher from Hell

I JUST SAW Mike murdock (inspirationtoday.com )tell his audience ” if your having credit card problems sow a $ 1000 seed on your credit card and wait for relief from your problem” Makin’ Da Money .. Anyway I Can Mike Murdock is one of these preachers who can stand in front of virtually anyone and preach about getting rich and never blink an eye. He has no shame when it comes to asking for money and promising you will get it back 30, 60, 100 fold. He continues to amaze me yet today. [more...]

Date: 2009-09-20 23:15:11

A Lot Of Action In Advance Of CARD

Anyone who has a credit card knows by now that card issuers are clamoring to enact new rules before the CARD act becomes effective in February. Congress Wants To Head Them Off At The Pass Now comes word that some of the original proponents of the CARD act want to amend it to take effect even sooner.   The Wall Street Journal reports , that Representatives Barney Frank and Carolyn Maloney will propose a bill that would move up the implementation date by two months to December 1st from February 1st. [more...]

Date: 2009-09-25 00:00:33

The Upside of Business Credit Cards

A recent credit card article focused, in my view, disproportionately on the negative aspects of using a business credit card to help fund your small ... to debt that haunts you long after the business is an unfortunate memory, regardless of where [more...]

Date: 2008-11-19 00:18:01

Twitter Updates for 2009-01-15

http://tinyurl.com/MitchAddress2009 Common sense Hoosier government. Mitch just has to keep on pushing and improvement can happen. # Argh ... to stevenlharrison # 2 credit cards and 2 revolving store credit lines closed. Down to primary & backup credit cards. Now to start working out or something. # Just need to be content for a little while. That’ [more...]

Date: 2009-01-16 03:59:59

Buyer Beware: ‘Tis the Season

Boy, you’re going to think I’m the Scrooge…and this article may not apply to most of you…but I want to reach out to those of us who rely on our ... months and credit card companies including blank checks ... credit cards to help finance the holidays.  You see, years past it was not uncommon for home [more...]

Date: 2008-10-28 01:48:42

Ten for Tuesday (January 13, 2009)

Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]

Date: 2009-01-13 17:39:22

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret. Gen X Finance reminds us that market conditions shouldn’t derail our investment strategies. With the current damage the market has done to our portfolios, can we really avoid being fair-weather investors? [more...]

Date: 2008-07-16 23:00:00

On Credit Cards and Free Credit Reports.

Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... . I know that paying on time affects my credit score so I always try oblige to my hubby’s reminder. Sometimes [more...]

Date: 2009-01-15 06:40:58

Reader Pays Off $14,330 In 20 Months With Our Tips [Debt]

Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: "This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of them. In once [more...]

Date: 2008-10-06 20:35:27

Cavalcade of Risk #69: Risk Management and Uncertainty Quotes

It’s the Cavalcade of Risk, the first of 2009! It’s issue #69… and I figured any theme based on the issue number would be far too risky for this ... decision is wrong when it was taken too late. Lee Iacocca 1924-, Father of the Ford Mustang and CEO ... Makes Sense posted at Personal Finance Analyst. Credit Card Assist presents Is Credit Card Insurance [more...]

Date: 2009-01-14 19:22:15

How to Reduce Your Credit Card Debt

How to Reduce Your Credit Card Debt Posted in January 15th, 2009 Category: ... Debt Relief All of us have heard that several times that someone can be crazy with his or her high credit card debt. But don’t be so much upset to file for insolvency. You should always remember [more...]

Date: 2009-01-15 10:51:32

Chase Behaving Badly: Unintended Consequences of the Fed's New Credit Card Rules

In late December, banking regulators agreed to new rules to limit actions by credit card issuers that consumer advocates deemed to be abusive ... your account agreement, which is the contract governing your credit card account. It provides ... rule changes would lead banks to restrict credit, particularly to riskier borrowers. What they may [more...]

Date: 2009-01-11 02:26:47

Pay Off Your Debts in 2009: 3 Strategies To Being Debt-Free

Today’s post is a guest post By Rachel Karl, a student of MakeMoneyFromWriting.com ... there! 3.    Now comes the third and final task: The debt snowball. Look over all of your credit card bills ... you have three credit cards: “A,” “B,” and “C.” “A” has a balance of $800 with a minimum payment [more...]

Date: 2009-01-09 12:20:36

Credit Card Fairness For All

Last year the House of Representatives passed a bill of rights for credit cardholders that didn’t make it through the Senate ... . Credit card contracts are scared things. In America today these documents rank with the Ten ... with credit card issuers have a serious flaw. They lack fairness. They don’t give both parties [more...]

Date: 2009-01-04 16:26:33

Carnival of Debt Reduction, Thanksgiving Week Edition

This Thursday is Thanksgiving in the United States. If you’re traveling, please do so safely ... with a quickie on how not to abuse your credit cards. Destroy Debt lists over six dozen ways ... have to use your credit card for things. Debt Free Destiny asks how freely your cash is flowing. Credit Card [more...]

Date: 2008-11-24 07:42:18

Lifelock - Your Credit Card Protector

Sometimes the Internet can be cruel when you do not take notice on security. The people of many countries have become victims of Internet threats. Viruses, phishing, identity theft and other worst of things, such as credit card theft. As my friend told me that he did not know that his credit card bill reach its limit, when he never use [more...]

Date: 2009-01-16 00:24:18

New Regulation on Credit Card Unfair Practices Approved

This week, the Federal Reserve, the Office of Thrift Supervision, and the National Credit Union Administration, ... or Practices, by financial institutions in connection with consumer credit card accounts and overdraft ... until a payment is over 30 days late. I always understood credit card rates to be variable, meaning [more...]

Date: 2008-12-20 18:34:48

Another thing I didn’t know about credit cards

I just caught up reading this month’s issue of Money Magazine. They had a quick little blurb called “What not to buy on credit.” It turns out that credit card companies are doing a bit of actuarial research and have discovered that they can identify credit risks in some non-traditional ways: where you shop. According [more...]

Date: 2008-12-03 16:43:00

Class Action Lawsuit - Tune In Tomorrow!

Credit card companies have been unexpectedly lowering consumer’s credit limits ... us your stories, and requested information on a class action lawsuit against the credit card companies ... like to be a part of it. The interview will be featured here on Ask Mr. Credit Card’s Blog [more...]

Date: 2009-01-15 12:40:36

Class Action Lawsuit - Tune In Tomorrow!

Credit card companies have been unexpectedly lowering consumer’s credit limits ... us your stories, and requested information on a class action lawsuit against the credit card companies ... like to be a part of it. The interview will be featured here on Ask Mr. Credit Card’s Blog [more...]

Date: 2009-01-15 08:45:37

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