Credit Cards Blog

Monday, October 24, 2011 2:43 pm
By Lucy Lazarony · Bankrate.com

Worried about credit card debt? You may be deeper in the red than you realize. When it comes to credit card debt, many Americans underestimate how much they owe by at least one-third, according to an Oct. 20 report in The New York Times. For the average household there’s a $2,400 difference between what a

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Thursday, October 20, 2011 3:28 pm
By Janna Herron · Bankrate.com

Happy Get Smart About Credit Day! Sure, it’s not one of those days where you exchange presents or invite family over for dinner, but taking the time to learn about your credit is something to observe. The day is sponsored by the American Bankers Association Education Foundation, which is sending out more than 3,300 bankers

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Wednesday, October 19, 2011 2:28 pm
By Janna Herron · Bankrate.com

Cheeseheads boast the highest credit scores in the country. That’s the takeaway from Experian’s credit study released last week that breaks down a city’s average credit score, based on VantageScore credit ratings, which range from 501-990. Four of the top 10 spots were taken by cities in Wisconsin. Wausau took No. 1 with a score of

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Tuesday, October 18, 2011 3:53 pm
By Janna Herron · Bankrate.com

Just after we get news that banks are giving more credit cards to Americans with not-so-pretty credit and offering bigger credit limits to everyone, we hear late payments are rising again after more than two years of declines. So will the latter unhinge the former? First, the good news: Equifax said earlier this month that

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Monday, October 17, 2011 3:39 pm
By Janna Herron · Bankrate.com

How often does a credit card offer end up in the proverbial round file in your house? One study by mail manager Catalog Choice found that almost two-thirds of people surveyed never opened credit card offers. Of course, the survey polled its customers, or Americans who are diligent about managing their mail, and the results

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Friday, October 14, 2011 11:02 am
By Lucy Lazarony · Bankrate.com

Move over stodgy store credit cards. Now there’s an app for instant credit. A new app launched by U.S. Bank allows iPhone users to apply and receive on-the-spot credit at retail stores. Rather than apply for a store credit card like the rest of us, iPhone users will be able to reach for their phones

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Thursday, October 13, 2011 3:59 pm
By Janna Herron · Bankrate.com

Discover cardholders have one more way to buy items on Amazon.com: with rewards points. The credit card issuer on Tuesday unveiled its new pairing with the online retail giant that allows Discover cardholders to pay for Amazon purchases with Cashback Bonus points. And to kick off the holiday shopping season, cardholders will earn double cash

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Wednesday, October 12, 2011 2:14 pm
By Janna Herron · Bankrate.com

Recent credit card stats seem like good news at first blush. Credit card debt declined in August for the second straight month, per the Federal Reserve. Late payments on credit cards fell in the second quarter, according to the American Bankers Association. And more rewards credit card holders are redeeming their rewards, according to a Capital

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Tuesday, October 11, 2011 3:04 pm
By Janna Herron · Bankrate.com

Two weeks ago, my brother-in-law stumped me with a Capital One credit card in euros or dollars. Imagine my embarrassment when I couldn’t help him answer that question. To keep things interesting, he alternated between euros and dollars and I promised to find out the difference when I got back stateside. First stop was Capital

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Monday, October 10, 2011 12:30 pm
By Janna Herron · Bankrate.com

So no one likes these new debit card fees that are in the offing. Does that mean it’s time to put purchases on your credit card instead? Before answering that question, let’s back up to the beginning. Bank of America said last week it’s going to charge a $5 fee every month you use your

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