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Credit Card Adviser

By Leslie McFadden • Bankrate.com
Does credit card opt-out preserve rate?
Cardholder who opts out will still be able to pay down her credit card at same rate.
Archive
Reformed debtor wants to fix credit score
Article: On the road to fiscal responsibility, should she consider getting a second secured card?
2009-11-11T00:00:00
What are effects of card debt settlement?
Article: Cardholder wants to negotiate a settlement with the issuer without hurting his credit score.
2009-11-11T00:00:00
Tough luck on minimum payment increases
Article: New credit card law mandates 45 days' notice of increase but leaves out crucial opt-out option.
2009-11-11T00:00:00
Will $1 million credit limit hurt score?
Article: He wants to have a $1 million total credit limit on his cards. Will this hurt his credit score?
2009-11-11T00:00:00
Are charge cards bad for credit scores?
Article: The impact of a charge card, like an American Express card, depends on the monthly balance.
2009-11-11T00:00:00
Does rental application hurt credit score?
Article: There's no way to avoid it. A landlord can check your credit, and your score will feel it.
2009-11-11T00:00:00
Can card closed by issuer hurt FICO score?
Article: When a credit card account is closed, your FICO score doesn't care who closed it.
2009-11-11T00:00:00
Fixed-rate credit cards going away?
Article: Issuers have been converting fixed-rate cards to variable rates. Why is this happening?
2009-11-11T00:00:00
How is debt settlement reported?
Article: Settling a debt for less than the full amount will scar your credit report.
2009-11-11T00:00:00
Tiny card balance helps credit score
Article: A small reported balance on your credit card may boost your credit score.
2009-11-11T00:00:00
Opting out doesn't guarantee rate
Article: Credit card issuers can raise interest rates at any time for any reason, despite opt out.
2009-11-11T00:00:00
Will good cardholders suffer under new law?
Article: The new credit card law may have a negative impact on people who don't carry a balance.
2009-11-11T00:00:00
When is best time to pay credit card?
Article: To improve your credit score, it helps to pay before the closing date of the statement.
2009-11-11T00:00:00
Will replacement card hurt my score?
Article: The credit score ramifications of a new card issued after security breach depend on how it's reported.
2009-11-11T00:00:00
Are credit scores dropping?
Article: Credit scoring models haven't changed, but card issuers' practices may punish some scores.
2009-11-11T00:00:00
Does unactivated credit card hurt score?
Article: The impact of an unactivated card depends on how it's reported to the credit bureaus.
2009-11-11T00:00:00
How long does credit check affect score?
Article: The impact of a credit check on a score depends on whether it was a hard or soft inquiry.
2009-11-11T00:00:00
Credit cards trump state usury law
Article: Federal law supersedes state law when it comes to credit card interest rates.
2009-11-11T00:00:00
Is a credit card application by phone valid?
Article: A cardholder asks if he's liable for charges if the application was taken by phone and never signed.
2009-11-11T00:00:00
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Credit Card Averages
Product Rate
Balance Transfer Cards 14.58%
Cash Back Cards 14.73%
All Variable 11.68%
Low Interest Cards 9.75%
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ByLeslie McFadden
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