Be Credit-Card Smart – part 2.

If you always pay your bills in full each month, congratulations. Make sure you’re using cards that pay you cash back or other rewards you prefer. One new card, the Citi CashReturns MasterCard, pays 5% of all purchases back to you during the first three months. After that, the refund falls to 1%, though there’s [...]

Be Credit-Card Smart – part 1.

The National Retail Federation expects $475 billion in sales during the holiday period this year and, if you’re like many shoppers, you’ll be using credit cards for a chunk of that spending. So whatever your relationship with the plastic fantastic — whether you’re carrying hefty debt balances or are an occasional borrower or always pay [...]

Lower your small business credit card expenses

First, figure out the average rate you’re paying and the terms of your contract. To calculate your average rate, add the daily and the month-end debits and divide by your number of payment-card sales. If your current contract lets you bail out without penalty, shop for alternatives. An Internet search for “merchant acceptance” will turn [...]

Credit Card Settlement

In a lawsuit against some big-name credit card companies accused of inflating their rates on foreign purchases and adding hidden fees to consumers. Without admitting guilt, Visa and MasterCard agreed to settle the lawsuit and pay $336 million. Subject to final Court approval, a settlement has been reached in In re Foreign Currency Conversion Fee Antitrust [...]

10 credit cards that offer consumer-friendly rewards

Amid the ongoing concerns of credit crunches and pinched spending comes a scorecard from IndexCreditCards.com of its top 10 consumer-friendly cards available on the Internet. Based on the perceived value of what each card offers to the most people, plus the numbers of online visits to card offers, Capital One’s Card Lab was ranked No. [...]

Limiting Credit Card Spending

The holiday shopping rush started the day after Thanksgiving, and with only three weeks left until Christmas, it`s not going to let up, and much of that shopping will be done with credit cards. Many banks across the country are struggling in the wake of the sub-prime home loan meltdown. They`re trying to reduce their [...]

Secured card a good way to get started in the credit game

With the holiday shopping season upon us you can expect more people to turn to the Internet in search of bargains. But before you do, you really need to have a credit card. Unfortunately, some people can’t get one either because they don’t have any credit or because they have bad credit. But there’s something [...]

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