Good dog, bad bill: Veterinary care financing options -- Pet owners have more veterinary treatment choices than ever, which is good for pets, but can strain on finances. We review the payment options. ... (more)

How Americans pay for college: A lot of borrowing -- Credit cards are rarely used to pay college costs, a new survey says, and when they are, it's mostly out of desperation. ... (more)

When a spouse dies, how do you pay off their debt? -- When a spouse dies, how debt becomes your responsibility ... (more)

CreditCards.com 'Taking Charge' survey, part 2: People adapt card use to changed economy -- A new CreditCards.com survey suggests the financially fit are surviving the economic downturn, but others are not. ... (more)

CreditCards.com 'Taking Charge' graphs, part 2: People adapt card use to changed economy -- These graphs show how Americans are adapting to a changed economic landscape. ... (more)

10 ways students can build good credit -- A good credit score is more important than ever, and experts say following these 10 steps can put a student on the right credit path. ... (more)

Cancel that credit card, take the credit score hit -- Yes, canceling a credit card can hurt a credit score, but it's worth it if you're struggling, says The Credit Guy. ... (more)

Tinsel meets plastic: Top 10 Hollywood credit card movies -- Plastic plays a key role in these films -- and teaches money lessons, too. ... (more)

Before you refinance, clean up your credit score -- When refinancing your home, it's best to check your credit score for errors or delinquencies so that any dings can be repaired before you apply for the loan. ... (more)

When a medical crisis empties retirement funds -- What steps to take to restore retirement funds after a medical crisis. ... (more)

Taking Charge poll: Nearly 3 of 4 Americans favor government regulation of credit cards -- The second annual CreditCards.com 'Taking Charge' survey says Americans mistrust but need credit cards. ... (more)

Fees, the economy and gas prices are threatening frequent flier programs -- Fees, the economy and gas prices are threatening frequent flier credit card programs. ... (more)

The evolution of frequent flier credit cards and programs -- Airline frequent flier programs as we know them today began in early 1981, when the only way to earn miles was through flying. In the late 1980s, the first airline credit card made its debut. ... (more)

Airline frequent flier fees and rules -- The airline industry is changing and frequent flier award tickets are no longer free. Here is a chart of fees you can expect to pay if you plan to cash in your air miles. ... (more)

Hiding credit card debt -- The exact number of men and women who hide credit card debt from a partner isn't known, but anecdotal evidence and interviews with financial planners suggest that the problem is widespread. ... (more)

Tips for uncovering, dealing with hidden credit card debt -- If you find a loved one has hidden debt, you could scream, fight or even ask for a divorce. Experts, however, say there are better choices. ... (more)

Add positive information to your credit report to balance the negative -- To help boost your credit score after paying off delinquent accounts, you need to add some positive information to your credit report that will help balance the negative. ... (more)

Could you live without credit cards? Here's how some people do -- Forgoing credit cards and leading a cash-only lifestyle today seems as foreign as mailing a handwritten letter: We know some people do it, but it's hard to understand why. ... (more)

Will cashing in retirement funds help my credit score? -- To Her Credit columnist Sally Herigstad advises a reader not to cash in all of her retirement in order to pay down credit card debt in an attempt to raise her credit score. ... (more)

Fed's G.19 report shows card debt rose sharply in June -- Credit card activity continued to surge in June, according to new figures released by federal banking regulators. Analysts say consumers are relying on credit cards for increasingly costly expenses as other lines of credit remain unavailable. ... (more)

Buying investments with credit cards? It's unavailable, and unwise -- Laws and regulations exist that determine and limit how much you can use borrowed funds (including credit cards) to purchase investments. ... (more)

Even credit card purchases at home may now trigger 'international' fee -- Credit card purchases may be 'international,' even if you aren't. ... (more)

Fed leaves rates unchanged; card rates to stay put -- The Federal Reserve, as expected, left a key interest rate unchanged. ... (more)

Interactive guide: Learn to read, understand your credit report -- This interactive guide displays an example of a personal credit report and explains how each part works. ... (more)

Do airline rewards programs trump cash rewards programs? -- With credit card rewards programs so prevalent, The Credit Guy Todd Ossenfort weighs the benefits of frequent flier programs versus cash back rewards programs. ... (more)

Many airlines now accepting plastic for in-flight purchases -- Weary travelers, take heart. On most airlines, you are now free to pay for your in-flight Heineken or Harry Potter movie with your credit card. ... (more)

Steps to take when collectors violate your rights -- As a credit card account authorized user, you have no financial responsibility for this account, and the bank knows it. That doesn’t stop unscrupulous companies from trying to collect, however. ... (more)

6 tips for financing a funeral -- Planning a funeral on the heels of a loved one's passing -- especially when the loss is unexpected -- is one of the toughest things you can go through. Still, despite the time crunch and emotional upset, there are steps you can take to control your costs. ... (more)

Financing a funeral: All options have pluses, minuses -- What is the best way to pay for funeral expenses? All the methods of paying have pluses and minuses. ... (more)

Key Congressional committee passes Credit Cardholders' Bill of Rights -- The House Financial Services Committee voted along party lines to pass a bill to rein in the credit card industry. ... (more)

Authorized user 'piggybacking' for better credit score given reprieve by FICO -- A controversial score-raising technique that had been slated for phase-out gets new life. ... (more)

What to do when a family member forges credit card applications in your name -- When a family member forges your name on credit card applications, you have two choices: Pay the bill or prosecute, says Maturing Loans columnist Alan Klayman. ... (more)

Shariah-compliant credit cards become more common -- As credit card companies reach out to specific groups by offering credit cards with ties to everything from charities to pro sports teams, they are also actively pursuing a group of people who have traditionally shunned credit cards because Islam forbids paying interest. ... (more)

Steps to take to repair your credit -- When repairing your credit score, it's best to just start making payments on bad debt rather than trying to negotiate the balance down, says Todd Ossenfort, 'The Credit Guy.' ... (more)

Lending crisis leads to cutting credit limits, hurting consumers' scores -- Cowed by the lending crisis, card issuers are quick to cut credit limits, an act that lowers the ratio of used to available credit, which hurts credit scores. ... (more)

What to do if a credit card issuer cuts your credit limit -- You have alternatives to regain your limit -- and a higher credit score. ... (more)

Understanding the Servicemembers' Civil Relief Act -- a law that eases debt burden for active military -- The Servicemembers' Civil Relief Act -- born in 1940 as the Sailors' and Soldiers' Civil Relief Act -- aims to ease the debt burden for those called to actively serve. ... (more)

Stepping up for America's military men and women -- While federal law guarantees some debt relief for soldiers, many top credit card issuers ease the burden of debt for active military by offering protections significantly beyond what the law requires. ... (more)

How one spouse's good credit score can boost a poor credit score -- There are ways your good credit score can boost your spouse's poor credit score, but make sure you both set up solid financial goals first and don't stray from the plan, says To Her Credit columnist Sally Herigstad. ... (more)

What consumers can do when 'minimum purchase' and other credit card rules are bent -- Ever wonder whether it's really OK for merchants to post signs saying 'Minimum credit card purchase $5'? Find out what the rules are and what consumers can do when the rules are violated. ... (more)

Low interest rate and rewards credit cards can put cash back in your pocket -- With food and gas prices escalating, Americans need to budget more carefully than ever before, including resisting the short-term solution of charging up debt on credit cards. ... (more)

What happens to credit card debt if a bank fails? -- If a card-issuing bank were to fail, consumers would still owe the money and have to pay it -- but to someone else. Terms might change, too. ... (more)

Unemployment benefits switch from paper to plastic -- With jobless rates rising, more and more Americans are entering their state's unemployment insurance maze. Just don't expect to receive the traditional paper check if you find yourself needing assistance, as nearly half of the country has started delivering these benefits through debit cards. ... (more)

When is a credit card's 'fixed rate' not really fixed? -- If you sign a credit card agreement with an issuer that claims to practice 'universal default,' your 'fixed' interest rate can be raised at any time. ... (more)

When is a debt too old for collection? -- Saddled with an 8-year-old credit card debt, a senior citizen living on just Social Security wants to know what her rights are. ... (more)

Don't hide credit woes from children, family -- How much should you tell your children about your financial difficulties? Experts say parents should let children know when the family is facing hard times, and maybe get the kids to help out. ... (more)

Proposed credit card rule changes draw massive public comment -- Consumers have turned out in force to support proposed Fed rules reining in the practices of credit card issuers. ... (more)

Does it pay to reduce card debt before death? -- A reader faces terminal illness and significant credit card debt. She wonders if the debt, since it is unsecured, will have to be paid out of her estate when she dies. ... (more)

13 greatest credit card songs: How cards, debt are seen in popular music, songs -- Songs about money are a dime a dozen. But where's the love for credit cards? We found it. Here are 13 songs by everyone from George Strait to Whitney Houston. ... (more)

Foreign transaction fees and rules for the top credit card issuers -- Here are the foreign transaction fees, also known as currency conversion fees, charged by top American credit card issuers to consumers who travel abroad. ... (more)

How to dispute a credit card bill with a merchant -- Dissatisfied with a merchant's product or service? If you do it right, your credit card issuer may step in to help. ... (more)

After creating a debt management plan, stick to it -- CreditCards.com columnist Todd Ossenfort strongly recommends that once you're in credit counseling, stick to the goals set up in a debt management plan and avoid temptation to get into more debt. ... (more)

Is selling your house to pay down debt a good idea? -- A reader who has $75,000 in credit card debt wants to know if selling her house to pay off debt is a good idea. ... (more)

Don't say 'I do" to bad credit: Navigating financial waters before you say 'I do' -- With financial mismanagement topping the list of reasons why couples seek divorces, experts say it makes sense to check out your partner’s creditworthiness. ... (more)

12 debt questions to ask before getting married -- Before you say, "I do," you should get to know each other's financial health, and nothing says it better than your credit report. Here are 12 questions to ask your betrothed. ... (more)

Who's responsible for a deceased spouse's card debt? -- When a spouse dies, credit card debt may or may not be passed along to a widow. ... (more)

Fed's G.19 report shows credit card use rebounded in May -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward/downward in May 2008. ... (more)

Poll: Credit card debt the new taboo conversation topic -- Religion, politics and sex, move over. Discussing credit card debt is the new taboo. People would rather talk about anything -- their weight, their health problems, the death of a loved one, even details of their love lives --- rather than talk about their credit card debt. ... (more)

Auto manufacturer reward credit cards: a car deal on wheels? -- Many of today’s credit cardholders aren't interested in just any old rewards -- they're holding out for perks that come in the form of brand-new, all-leather-interior, fully loaded, shiny status symbols to adorn their driveways. ... (more)

Canceling a credit card vs. keeping a bad one: Compare costs -- Weighing the true cost of canceling a credit card with an annual fee: How much will it hurt your credit score? ... (more)

To detect fraud, credit card issuers monitor all your purchases -- Credit card company fraud departments monitor their cardholders purchases to detect unusual patterns or purchases. ... (more)

State statutes of limitation for credit card debt -- Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states plus the District of Columbia. ... (more)

Five-year-old credit card debt has debt collectors calling -- With a job loss and 5-year-old credit card debt and only Social Security income, a reader needs a lot of help -- starting with knowing her rights, says Maturing Loans columnist Alan Klayman. ... (more)

Rent a car with debit card or cash? Expect to try harder -- A CreditCards.com survey of 45 car agencies across the U.S. finds you can rent a car without a credit card, but you have to jump through more hoops. ... (more)

Credit checks for job applicants become more common -- Increasingly, job hunters are required to allow credit checks during the application process. It's legal, but the applicant has rights, too. ... (more)

VantageScore credit score product combines three scores into one -- The VantageScore, introduced in 2006, credit scoring product combines Equifax, Experian and TransUnion credit scores into one score. ... (more)

Credit card secrets: How bagging and licking make cards work better -- It's gross, but licking a credit card's magnetic stripe can make it scan in a reader. We explain why. ... (more)

Improve your credit score by keeping credit card balances low -- Experts now say you should be using no more about 50 percent of your available credit -- not the 67 percent you are using now. ... (more)

Credit repair good guys: How to find legitimate reselling and rescoring firms -- Credit repair firms say they can boost your credit score, but it's credit resellers who do the job for less hype, less money and less mystery. ... (more)

More colleges offer courses in money, debt management -- Basic personal finance is not typically on the short list of required college courses, but universities are realizing that the more they teach students how to manage their money now, the more prepared they are to ward off debt in the future. ... (more)

Balancing rising expenses against a fixed income -- When investing in retirement property, make sure you calculate how rising future real estate taxes will impact the expense of ownership over time. ... (more)

Adulthood, legal rights and credit cards: Turning 18 with a credit card -- At 18, young adults can apply for credit. Can you -- or your teenage son or daughter -- handle it? ... (more)

Micropayments: a strategy to cut credit card debt -- Big credit card bill too much to handle? Try multiple monthly payments. It can whittle debt faster and align billing with paycheck. ... (more)

When a family member steals your identity -- Here are the steps you can take when a family member steals your identity to open credit accounts in your name. ... (more)

Retired, with $70,000 in credit card debt -- Tips on how to reduce astronomical credit card debt on a fixed income. ... (more)

Rules for merchants handling credit card data -- Safety concerns for consumers' credit card information prompt changes in the way businesses handle data. ... (more)

Evils of 'fee harvesting' credit cards known for a long time -- Consumers should beware of cards that charge upfront fees and carry low limits. ... (more)

Tips for choosing fee harvesting credit cards -- People with bad credit may have few options for getting a credit card. Experts advise doing a lot of research before signing up for fee harvesting credit cards. ... (more)

A late start retirement plan: Use tax advantaged savings options -- Save up for retirement at any age with tax advantaged retirement plans. ... (more)

5 sneaky credit card tricks -- and how to beat the bank -- Just like Three-Card Monte, these tricks can clean out your wallet faster than you can pick a card, any card. ... (more)

Retail rewards cards: Stores give points and more -- Department store credit cards used to offer one-time discounts. Now they offer a variety of ongoing rewards in an effort to build loyalty. ... (more)

Saving for emergencies, retirement come before paying off credit card debt -- Creating an emergency fund and contributing to your retirement fund should always come before paying off credit card debt. ... (more)

Charging up a storm before filing bankruptcy is considered fraud -- Thinking of loading up your credit cards before you file bankruptcy is considered fraud. ... (more)

Business credit scores: What they are, how to boost yours -- Just as an individual has a credit score, so does a business. As with individual scores, the number determines whether your business gets credit and at what rate. ... (more)

Lunch money goes cashless in many school cafeterias -- Getting your lunch money stolen is so 20th century. Today's school students pay for school lunches with ID cards and fingerprint scanners. ... (more)

Relatives must be careful when asked to co-sign on a credit card. -- Relatives must be careful when asked to co-sign on a credit card. ... (more)

Tips for comparing gas cards and escaping high fuel prices -- We'll help you cope with the rising cost of gas, beware pump-side scams and learn smart ways to finance fuel costs. ... (more)

Consumers could see refunds from $200 million for 'fee harvesting' credit cards -- Federal regulators are seeking $200 million in restitution for consumers from a major credit card marketer and two banks for how they marketed and issued subprime credit cards. ... (more)

Overall consumer credit (revolving and nonrevolving) rose 4.2 percent in April 2008 to $2.56 trillion -- The Fed's latest G19 data shows revolving credit (of which about 98 percent is comprised of credit card debt) edged upward at an annual rate of about half a percentage point percent in April 2008. ... (more)

Credit card issuance a matter of black and white? -- Do all Americans really have equal access to credit cards or are some groups more likely to be granted credit than others? A study found where you live may play a key role in whether you're granted a credit card. ... (more)

When your parents' debt problems need attention -- Seniors can easily become overwhelmed with credit card debt. Here's some advice how to help them. ... (more)

Eight ways to get gift cards for less -- Use these techniques to pay less than face value or boost buying power of a gift card. ... (more)

Using a debit card for travel: problems and risks -- Debit cards are popular, but are not always the best choice for travel. ... (more)

Credit card rewards programs: Read the fine print to avoid pitfalls -- Cardholders must read the fine print to understand clearly how their credit cards programs work. ... (more)

Setting up investments to create guaranteed income in retirement -- Maturing Loans columnist Alan Klayman weighs the benefits of creating an income strategy in retirement against the standard investment strategy. ... (more)

Contactless credit cards' future in doubt -- Contactless credit card technology is supposed to be the wave of the future. So far, according to experts, few seem to care. ... (more)

Helping your college-age child establish credit -- Students with their first credit card can be dangerous, so parents of should help their college-age children create a spending plan, says The Credit Guy. ... (more)

Dividing credit card debt in divorce -- In divorce decrees, one party often agrees to pay off a jointly held debt. But if your ex turns out to be the deadbeat you always said, creditors will come after you, too. ... (more)

9 tips for dividing credit card debt -- Got credit card debt? Going through a divorce? These steps will help you cope -- and not get stuck with your ex's tab. ... (more)

3 things you should never check daily: your weight, your stocks and your credit score. -- There are three things you should never check daily: your weight, your stocks and your credit score. ... (more)

Poll: Gas prices causing people to cut visits to family, friends -- More than half of Americans say they've cut down on visiting family and friends due to gas prices, a CreditCards.com poll reveals. ... (more)

Do-it-yourself credit cards studied -- Based on her research of low-income women, a Harvard lecturer says they would be better served by a 'self-directed credit card,' allowing them to set their own credit card limits and restrictions. ... (more)

One-stock investments are risky ventures in retirement -- Maturing Loans columnist Alan Klayman advises against the one-stock retirement bet and says the best way to generate income is through a well-planned income strategy. ... (more)

The real dirt on celebrity credit cards -- We'll buy their branded clothes, their branded perfumes, their branded sheets -- but we won't use their branded cards to buy them. Why celebrity cards haven't found a place in our wallets. ... (more)

Are you a credit card rookie? Here's how credit cards work -- There are all kinds of credit cards with all kinds of different rules. Make sure you pick the right card for you. ... (more)

Credit card travel tips -- From airline frequent flier miles to foreign currency conversion, know the rules of the road before you hit the road this summer. ... (more)

GAO report: Federal government pays massive credit card fees, too -- Just like gas station owners and other merchants, the federal government pays interchange fees for credit card and debit card transactions -- and its bill is huge, says a new GAO report. ... (more)

Credit cards and terrorism: How terrorists use cards -- Interviews with terrorism experts and readings of case studies from around the world reveal that the credit cards have become a favored tool of terrorists. ... (more)

Are you smarter about credit cards than a fifth grader? -- You may be surprised at how closely a child's view of the credit card world comes to the actual way plastic works -- as opposed to the carefree convenience touted in most credit card television commercials. ... (more)

In retirement, the thinking about retirement and income changes -- In retirement, the thinking about retirement and income changes ... (more)

Cashless campus 2.0: Student IDs evolve into multiuse payment systems -- Today's student ID cards open doors to dorms and labs, earn discounts with local merchants, sub-in for loose change at vending and copy machines, and even help with the laundry. ... (more)

3 must-ask questions for multiuse campus / student ID cards -- Campus cards, like anything involving money, are not free from potential pitfalls, and the cards' fees and policies can be as different as Buckeyes and Wolverines. ... (more)

Authorized user or joint account holder? -- There are major differences between an authorized user and joint account holder for credit card accounts. One is liable for unpaid balances and the other is not. ... (more)

Compare credit card rental car insurance coverage: Policies vary widely -- Credit card companies' policies vary sharply, so don't always be quick to turn down rental car agencies' optional coverage. ... (more)

Free credit report and notice of potential interest rate hikes could be required in proposed new rules -- New proposed rules would require credit card issuers to send notices and provide free credit reports when consumers are subject to interest rate hikes based on credit reports. ... (more)

Top 10 ways students ruin their credit -- College can be a great time to enjoy independence and build a foundation for the future, or an opportunity to begin their careers with unnecessary credit card debt. ... (more)

8 tips for squeezing the last dollar out of a budget -- It's tough to make ends meet on a fixed income. To do it, you have to squeeze the spending hard as you can, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Business credit cards: 5 ways to avoid being stung -- Compared to business loans, credit cards are easy to get. But that makes them easy to abuse, too. Here are 5 ways to avoid getting stung. ... (more)

Small business is big business for credit card companies, lending institutions -- Small business is big business for credit card companies, lending institutions. ... (more)

Vacation, travel plans: Charge to credit card, easier to recoup losses -- Recouping your money if your trip is canceled is much easier with credit cards than if you paid with cash or by check. ... (more)

Questions to ask to check out your credit counselor's credentials -- Before you hire a credit counselor, make sure you check out their credentials. ... (more)

Fed backs rules to curb deceptive credit card practices -- Federal banking regulators are taking unusual steps to protect consumers from unfair and deceptive trade practices in the credit card industry. ... (more)

Two years behind on credit card payments -- How do you even begin to pay back credit card debt that is two years old? ... (more)

Your credit card personality: The Diva / Big spender -- You work hard. You play hard. You like the best of everything. After a tough day at work, you'll tell yourself you deserve a treat, whether it's a new pair of shoes or the latest gadget on the shelf. Many of your purchases are impulse buys. Occasionally, this gets you into trouble when your purchases extend beyond your financial means. ... (more)

Before picking a credit card, know your financial personality -- With the dizzying variety of credit cards today, it can be tough to choose. Knowing your financial personality can help sort it out. ... (more)

Your credit card personality: The Futurist -- You're willing to sacrifice short-term pleasure for long-term gain. You've got your finances under control, you don't often feel the need to splurge, and you like to think carefully about the best way to spend your money. ... (more)

Your credit card personality: The Newbie -- You're finally out on your own -- so now what? You're inexperienced with credit and while you're ready to test the waters, you don't want to get in over your head. You're probably busy with school, a new job or a new place to call home, so keeping an eye on your finances may not feel like your top priority. ... (more)

Your credit card personality: The Better Man/Better Woman -- Even if you don't always make perfect decisions, you're a quick learner. You've gotten in credit trouble in the past -- perhaps it was after losing your job, getting ill or making careless mistakes when you were younger. You carry a balance, but you've turned over a new leaf and are working hard become debt-free. ... (more)

Your credit card personality: The Veteran -- You're responsible, organized and rarely get in over your head, financially or otherwise. You know your way around a budget, you've got good credit and you pay your bills on time and in full. ... (more)

Your credit card personality: The Avoider -- The less you know about your finances, the better. You get uncomfortable talking or even thinking about money. You let your bills stack up because you feel a sense of dread opening them up. ... (more)

Extreme credit card limits -- One of the cardinal rules of responsible credit card usage is to apply for only as much credit as you need. A sizable group of consumers take a different approach: Apply for as much credit as you can get. ... (more)

Fed cuts rates; will your credit card bill fall, too? -- The Federal Reserve's rate-setting committee, in an effort to rejuvenate the economy, trimmed a key short-term interest rate Wednesday, this time by one-quarter of a percentage point. ... (more)

Entering retirement with credit card debt -- Carrying credit card debt into retirement requires a plan. ... (more)

Credit card securities may be in for rough times ahead -- Securitized credit card receivables -- the fuel that drives credit card issuance for major banks -- may falter as credit card defaults rise. ... (more)

How credit card securities work -- Major credit card banks sell millions of accounts to special trusts that issue bonds repaid with monthly credit card payments from account holders. ... (more)

Credit card etiquette: How to politely win credit disputes -- Etiquette experts say that when credit disputes and problems arise, don't reach out and crush someone. Win with courtesy. ... (more)

Self control and credit cards -- Don't shun credit because you've had trouble with overspending in the past. A strategy of taking on credit in small doses is better for you, says Sally Herigstad. ... (more)

Credit issuers becoming less willing to cut deals with debtors -- Credit counseling agencies could once negotiate lower interest rates on behalf of debt-ridden clients. But credit card issuers are no longer willing to be as forgiving. ... (more)

Compare and analyze investment choices after retirement funds are maxed out -- With extra cash on hand, is it best to invest in paying down the mortgage or investing in mutual funds? Maturing Loans columnist Alan Klayman knows. ... (more)

Environment survey: Americans not so eco-friendly with credit cards -- Americans may well be more environmentally conscious these days, but not if it means making major changes in how they use their credit cards, a CreditCards.com national survey shows. ... (more)

Artists recycle credit cards into craft creations -- Some creative crafts people are happy to breathe new life into old cards -- and are doing their part to keep that plastic from heading to the landfill. ... (more)

Credit inquiries and your credit score -- The Credit Guy explains how credit inquiries negatively impact your credit score and how long these inquiries remain on your credit report, as well as advises readers to not needlessly shop for credit. ... (more)

6 tips for dealing with binding mandatory credit card arbitration -- You're probably stuck with binding mandatory credit card arbitration. But these tips will help you cope. ... (more)

Credit card arbitration: What it is, how it works -- If you have a credit card, it's likely you've given up your right to sue if a dispute arises. Most card companies impose mandatory arbitration. ... (more)

How to ask for a lower credit card interest rate -- A reader asks To Her Credit columnist Sally Herigstad just how to go about asking for a reduction in her credit card APR. ... (more)

Being 'green' with credit cards -- Opting out of paper credit card statements is one way to protect the planet for Earth Day. This collection of articles and interactive features contains environmentally friendly information about how to use credit cards to help save the planet. ... (more)

'Green' credit cards reward the environment -- This interactive feature contains information about numerous "green" cards, credit cards that use rewards points and money to benefit the environment. ... (more)

Retired, with too little income and too much in property taxes -- Living just off her Social Security income, a 72-year-old woman asks columnist Alan Klayman how to go about paying her property taxes on such a small fixed income. ... (more)

A 'green' snapshot: How some U.S. banks are making environmental eco-friendly moves -- A 'green' snapshot: How some U.S. banks are making environmental eco-friendly moves. ... (more)

More landlords accepting rent payments by credit card -- While acceptance is hardly universal, a growing number of landlords allow paying rent by credit card. ... (more)

Is your credit card ripe for fraud? -- When credit card account information is stolen, the thief uses your card information to request a change in the billing address and an additional card. The thief can then use your account for as long as it takes you to realize that your card has been compromised. ... (more)

How to handle collection calls for a dead person's debt -- After a death, creditors may come calling. Here's what to say. ... (more)

What happens to credit card debt after death -- When someone dies with credit card debt, state laws and the original contract terms dictate who owes, and what must be paid. ... (more)

To co-sign or not to co-sign -- A mother wants to help her daughter buy a house, but due to the daughter's bad credit, will have to co-sign the loan. 'To Her Credit' columnist Sally Herigstad weighs the benefits and the risks of co-signing on someone else's loan. ... (more)

How 'cashless' trend affects those who rely on cash -- In a society that increasingly relies on payments by plastic, some who depend on the actual paper dollar have to adjust. ... (more)

Airlines increase frequent flier sign-up bonus rewards for credit cards -- As lenders and airlines compete for the prized frequent flier demographic, credit cards are offering bigger and better airline mileage extras to woo new customers. ... (more)

Tax smarts: Maximizing income tax returns -- This series of articles will help you file your taxes and get the most out of your income tax returns. ... (more)

How to maintain retirement lifestyle while managing debt -- Debt complicates the calculation on how much you'll need to retire in comfort, says 'Maturing Loans' columnist Alan Klayman. ... (more)

Auto gasoline cards: Compare gas cards -- CreditCards.com reviewed terms and conditions for the top 29 gas credit cards and found more rewards, cash back, points and rebates -- and no annual fees. ... (more)

Automobile gas cards popularity falls -- Fewer people are using one-company gas credit cards to buy gasoline for their cars. Drivers want the freedom to choose different gas and payment methods. ... (more)

Credit card spending slows -- U.S. consumers slowed their credit card spending in February, according to the latest Federal Reserve release on consumer credit. ... (more)

Earth Day chores: 10 ways to go green with credit cards -- One of the best ways to go green in your daily life is to choose plastic, not paper. With credit cards, that is. ... (more)

Understanding how credit scores work -- Find out all the different elements that are considered when your credit score is compiled. ... (more)

Establishing credit after divorce -- A stay-at-home mom who finds herself divorced with no credit of her own gets a path to her own credit history from 'To Her Credit' columnist Sally Herigstad. ... (more)

Credit card extreme rewards: Card issuers get creative to reward cardholders -- As the quantity and variety of credit card offers seem to expand like options on a Chinese food take-out menu, card issuers keep searching for new ways to capture and retain customers. ... (more)

Laid off, debt climbing -- If you have savings, there are ways to decrease reliance on credit cards by setting up a short-term income strategy, says Alan Klayman in the debut 'Maturing loans' column. ... (more)

Students universities fees credit card processing costs -- With tuition costs rising and credit tightening, more students are opting to pull out the plastic to pay for their classes. Not all colleges like it. ... (more)

Improving credit to refinance a truck or auto loan -- Steps to take to build a strong credit score. ... (more)

Deep in debt? You may be able to cut a better settlement deal -- A recent drop in prices that debt buyers pay for bad credit card debts may give consumers negotiating settlements more room to negotiate. ... (more)

While paying off debt, learn investing, says 'To Her Credit' columnist Sally Herigstad -- If put off investing, you may get bogged down in trying to pay off your debts and never be able to start your portfolio. ... (more)

Pros and cons of tapping your retirement with 401(k) debit cards -- Now there's a debit card that allows you to access the funds you've saved in your 401(k). It offers flexibility for borrowers -- and scares the pants off financial planners.). ... (more)

Zodiac credit cards: What a credit card for a Pisces might look lik -- Deep down, we all want the same things: love, happiness and world peace. Wouldn't it be great if we could just buy them? Well now you can with the PiscesCard. ... (more)

What a credit card for Aquarians might be -- Apply today for this (imaginary) card and receive triple bonus points toward your next protest march or bail bond. ... (more)

Zodiac credit cards: What a credit card for a Capricorn might look lik -- A credit card marketing pitch for a Capricorn might start like this: Your goal is the mountaintop. Your plan: Steady ascent. Your tool: CapricornCard. ... (more)

Zodiac credit cards: What a credit card for a Sagittarius might look lik -- You're one of the dreamers. And for dreamers like you, there's SagittariusCard. ... (more)

Zodiac credit cards: What a credit card for a Scorpio might look lik -- Inhibited you're not. So why would you call it an early night just because a few nagging bills are piling up? You need a credit card that rocks when you roll, pays when you can't and, most importantly, sleeps late when you do. ... (more)

Zodiac credit cards: What a credit card for a Libra might look lik -- Do you need a LibraCard? Probably not. Who needs any credit card, right? I mean, you've got cash and the bank just opened that nice barista station with the free chocolate spoons. ... (more)

Zodiac credit cards: What a credit card for a Virgo might look lik -- Introducing VirgoCard, the one financial instrument whose terms of use are so deeply mired in legal obfuscation that we Virgo perfectionists will never tire of trying to crack the code. ... (more)

Zodiac credit cards: What a credit card for a Leo might look lik -- Hail, King Leo! No mere mortal card for you; only the regal LeoCard will do! ... (more)

Zodiac credit cards: What a credit card for a Gemini might look lik -- Conflicted about which card to choose: A debit card that's easy to manage or a credit card that has more features? Now you can have both with the GeminiCard, the one card that's really two cards -- for you and for you! ... (more)

Zodiac credit cards: What a credit card for a Taurus might look lik -- A credit card for solid, conservative Taurus? Don't be absurd. And yet your practical Taurean nature keeps whispering maybe, maybe just one card wouldn't hurt. Just for emergencies. ... (more)

Zodiac credit cards: What a credit card for an Aries might look like -- The credit card industry has thus far missed out on one of mankind's oldest known loyalty groups, the 12 signs of the zodiac. ... (more)

What's your sign? Zodiac credit cards -- The credit card industry has thus far missed out on one of mankind's oldest known loyalty groups, the 12 signs of the zodiac. We'll fix that! ... (more)

Preparing kids for credit card management -- Individuals younger than 18 must have the permission of a parent or legal guardian to obtain a credit card -- here are ways to get them started on the plastic path. ... (more)

4 ways to safeguard personal information online -- As Internet criminals grow smarter and sneakier, it's increasingly difficult to keep your credit card and personal information safe. Here are four fundamental tips. ... (more)

Credit, credit scores and walking away from truck, auto lease -- Seven months after leasing a new truck, a woman realizes she's in too deep and needs to get out of her lease. ... (more)

Credit to their generations: The Millennials -- The attitudes and behaviors of the Millennial Generation and how they use credit cards ... (more)

Credit to their generations: How Generation X views credit cards, debt -- The attitudes and behaviors of Generation X and how they use credit cards ... (more)

Credit to their generations: How baby boomers view credit cards, debt -- The attitudes and behaviors of the baby boomer generation and how they use credit cards ... (more)

Credit to their generations: How 'Greatest' and 'Silent' view credit, debt -- The attitudes and behaviors of the Greatest and Silent generations and how they use credit cards. ... (more)

Credit to their generations: How 'greatest,' boomers, Xers and Millenials differ on credit -- The attitudes and behaviors of different generations and how they use credit cards. ... (more)

Fed cuts rates; will your credit card bill fall, too? -- The Federal Reserve, as expected, slashed a key interest rate, but whether that cut will be passed along to individual cardholders depends on the bank, the card agreement and the credit standing of the consumer. ... (more)

Don't let a disability ruin your credit -- An unexpected illness or injury can send you into debt and sink your credit rating faster than you can say, 'I need disability.' ... (more)

Credit card thieves 'skimming' pay-at-the-pump gasoline buyers -- As if the high cost of gas wasn't enough, credit and debit card users who pay at the pump have to face a new way to be gouged at the pump: skimmers. ... (more)

Obama, Clinton offer credit card reform plans -- Presidential hopefuls Hillary Clinton and Barack Obama are courting voters with reform policies to tackle predatory credit card industry practices. McCain? Not so much. ... (more)

Starting over and getting new credit after a bankruptcy -- A woman pays off her bankruptcy and is ready to build her credit again. ... (more)

Recession-proof your credit and finances -- Economic downturn. Temporary slump. Whatever you want to call it, you need to be prepared financially for economic ups and downs. ... (more)

Poll: Half of America won't spend their 'stimulus' rebate -- The president wants us to spend it, but most say saving and paying off debt are higher priorities for their economic stimulus rebate checks. ... (more)

Buying pirated music with credit cards: potentially risky -- Those who use their credit cards to buy songs from controversial Russian-based Web sites may be engaging in international piracy. ... (more)

Despite lingering online fears, virtual credit cards stall -- Although the paranoia that spawned them and the hoopla that accompanied their birth have died down, virtual credit cards are still available for those who want extra assurance. ... (more)

Beware of tax bite that may follow debt resolution -- Tax attorneys and consumer advocates say many consumers aren't aware that forgiven credit card debt may be taxable income. ... (more)

Consider all options before filing for bankruptcy, says The Credit Guy -- The reason that bankruptcy is recommended only as a last resort is because of the personal and financial toll a bankruptcy has on a person or family, The Credit Guy advises a reader. ... (more)

Card issuers' bad earnings reshape credit card offers -- The awful annual results reported by credit card issuers may not be felt only by shareholders. They have begun to cause pain to some credit cardholders, as well. ... (more)

Relocation and credit cards: managing credit and moving -- Prevent unnecessary expenses and maintain your credit score by keeping tabs on your credit cards and debt during a move. ... (more)

Car's too small, loan's upside down -- A woman who needs a bigger car but who is upside down on her car loan should focus on paying down the debt before looking at bigger vehicles, says The Credit Guy. ... (more)

Debt collectors' ethics codes -- Associations of debt collectors try to curb abuses in the collections industry. ... (more)

Q&A: Credit counselor urges consumer education -- Too few people know about or talk about debt, says the head of one of the major counseling accrediting agencies. ... (more)

11 tips for dealing with debt collection, collectors -- Deal with it, experts say. Otherwise, matters can only get worse. ... (more)

Debt collection sample letters -- Customize and print out these sample letters to put keep collectors behaving lawfully. ... (more)

Know your rights: Fair Debt Collection Practices Act -- Experts say consumers should face the facts and deal with debt collectors, but also know and understand their consumer rights and protections. ... (more)

Consumer credit woes mean boom in debt collection -- If you've never been contacted by a debt collector before, chances are growing you will. Collection activity has increased sharply as the economy swoons, and it's more important than ever for consumers to know their rights. ... (more)

Visa sets IPO date -- Visa announced details of its impending IPO stock sale, and it's a doozie: Even at the low end of its projected price, it would by far become the largest initial public offering in U.S. history. ... (more)

529-linked credit cards help make college more affordable -- New credit cards link to 529 plans and function like cash-back credit cards, putting rebates into a college savings plan ... (more)

Rich lady, big overdue card debt -- A woman with $16,000 in delinquent credit card debt, but plenty of money to pay it off, needs to do more than just write a check if she hopes to avoid repeating her mistake, says The Credit Guy. ... (more)

Best to skip most 'skip-a-payment' offers -- Offers by credit card issuers to skip a monthly payment can seem like a godsend, but if cardholders think such payment holidays are a free ride, they'd better think again. ... (more)

Keeping up credit while in jail may not be possible -- It's noble to want to help a jailed friend keep up his credit score while serving time, but unless you want to pay his bills, some things just aren't possible, says The Credit Guy. ... (more)

Tips for immigrants building a U.S. credit history -- America lures many who dream of living better. But when immigrants arrive, their credit histories rarely make the trip. ... (more)

10 wacky ways to spend 'stimulus' money -- Anyone can be responsible with the windfall from the economic stimulus package. But can you creatively blow the money? We could. Here are 10 ideas. ... (more)

10 wise ways to spend 'stimulus' money -- Here's 10 suggestions from experts for smart ways to spend the windfall from Uncle Sam's economic stimulus package. ... (more)

Americans say they'll take rebate money and pay off debt -- The economic stimulus windfall is on its way and Americans tell pollsters they'll use it pay off debt. Yeah. Sure. ... (more)

How to finance an engagement ring -- If you want her to marry you for richer and not poorer, study the fine print to make sure the bauble on her finger doesn't turn into a ball and chain on your newlywed finances. ... (more)

Banks may cut slack for tornado victims -- After dozens of tornadoes whipped through the South, killing at least 57 people, the federal government, banks and credit card issuers offer relief. ... (more)

Credit card balance transfers -- This series of articles will help you figure out the best way to transfer and consolidate the balance of your debt. ... (more)

Use corporate credit cards wisely -- Used wisely, corporate credit cards can help you achieve career goals and reap personal perks. Used poorly, they can lead to a corporate freefall, or at least a drop of a few rungs. ... (more)

Dad co-signed, I messed up his credit. Now what? -- You ruined Dad's credit score by running up a big debt on a card he co-signed for you, but no, you didn't cost him his house, The Credit Guy advises a reader. ... (more)

Payment strategies for holiday debt -- The holiday season is a wonderful time for relaxing with family and friends and exchanging gifts. But according to a survey conducted by the Family ... (more)

Balance transfer offers: Compare your options -- Learn how to find the best balance transfer credit card offers. ... (more)

Credit card recommendations for your post holiday bills -- Credit card bill-paying tactics that can help you deal with high post holiday card payments. ... (more)

Multiple balance transfers can hurt your credit -- A repeated pattern of transferring from one balance transfer credit card to the next each time the introductory APR expires can be a bad idea. ... (more)

Balance transfer 101: Tips, advice on transferring credit card balances -- Learn the steps critical to successfully performing a balance transfer. ... (more)

Balance Transfers: Learn how control your debt by consolidating it -- See how low interest balance transfers can help you pay off your debt more easily. ... (more)

Credit card debt consolidation -- Credit card consolidation may be right for you if you are facing high interest rates. ... (more)

6 tips for organizing gift, debit and credit cards -- Between gift cards, debit cards and credit cards, you can end up with a lot of plastic. Here are six organizing tips. ... (more)

Credit card spending increases for health care -- A CreditCards.com poll found that nearly two out of three Americans say they or their family could face hard financial times if they experience a serious illness. ... (more)

Health care credit cards rise to fill insurance gap -- As the ranks of the uninsured soar, a new generation of health care cards is emerging on the market, but not everyone is cheering their arrival. ... (more)

CreditCards.com poll results: Credit and health care costs -- A CreditCards.com poll finds a majority of Americans realize that inability to pay their share of health care costs has the potential to wipe them out financially. ... (more)

15 tips for paying high medical bills -- Savvy consumers should comparison shop for payment options when paying for medical expenses. Here are some helpful tips to cope with high medical bills. ... (more)

Comparing health care credit options -- Credit card issuers are offering a growing number of options for financing medical expenses. Use this table to compare and find the best deal. ... (more)

How to opt out of credit card rate increases -- If you've been notified that your interest rate is going to jump, you can pay your credit card off at the old rate, but you lose use of the card, says The Credit Guy. ... (more)

Fed rate cuts and your credit card -- The Federal Reserve's rate-setting committee, trying to give a flagging economy an adrenaline boost, again lowered a key short-term interest rate Wednesday. ... (more)

United Way links card use to donations -- One of the country's best-known nonprofits is trying to raise money from the rise in Americans' use of credit and debit cards. ... (more)

When do credit card balance transfers make sense? -- Having a firm repayment plan makes the difference, The Credit Guy tells a reader. ... (more)

How young is too young for credit cards? -- Preparation for wise credit card use should begin early to help children avoid trouble when they can legally apply for cards at 18. ... (more)

Pay off credit card debt or declare bankruptcy? -- It's painful, but a reader who took $13,000 in credit card cash advances and lost it to an Internet scam needs to pay the money back, says The Credit Guy. ... (more)

Cell phones and contactless credit card technology -- What do you get when you add contactless credit capabilities to your cell phone? A single device for making calls and credit card purchases. You yak, you wave, you buy. ... (more)

Shifting environment in fees, security breeds Revolution Card -- An well-financed upstart is taking on the card network giants and hopes merchants and consumers will embrace it. ... (more)

Q&A: Pawn off $10,000 credit card debt on son? No way! -- The Credit Guy, who answers readers' questions for CreditCards.com, thinks this parent can pay off the delinquent bill. ... (more)

Bankers, poker players oppose Feds' online gaming rules -- The legality of online gambling has long been debated by U.S. officials, but the latest regulation efforts have tried to shut down the money conduit -- payments systems that enable online bets. ... (more)

Holiday credit card debt solutions -- Climbing out of holiday debt isn't easy, but it has to be done. Here's how to assess the damage and get a plan together. ... (more)

Cure the debt hangover, shed credit card debt in '08 -- This set of articles will help you understand why you keep finding yourself in holiday debt, how to get out of this mess and how to prevent it from happening again next year. ... (more)

12 tips for renting a car with a debit card -- Renting a car with no credit card can be done, but expect extra obstacles and costs. These tips can help you overcome them. ... (more)

Credit Score - Protect yours with a debt consolidation plan -- In order to protect their credit score, many consumers are seeking debt consolidation loans. ... (more)

Expert Q&A: Budget for debt, but not too tightly -- A recent college graduate saddled with debt needs a spending and paydown plan, but it's bound to fail unless it includes some fun, says The Credit Guy. ... (more)

21 resolutions to beat credit woes and debt regret -- Minimize debt and maximize credit advantages in the coming year with these 21 credit and debt resolutions. ... (more)

Disclosures would increase on subprime credit card fees -- Subprime cards carry upfront fees that the Federal Reserve board contends are not clearly disclosed to customers. ... (more)

Regulation Z proposed changes for minimum payments -- Credit card companies and credit issuers would have to tell account holders how long it would take to repay loans if they make minimum payments. ... (more)

Regulation Z amendments would require changes in credit card terms -- Regulation Z amendments would require changes in credit card terms to be displayed in a table for easy reading. ... (more)

Rules for credit card periodic statement disclosures -- Under proposed federal rule changes, monthly credit card statements would include tables to clearly disclose fees, interest, purchases and other details. ... (more)

Credit card reform: The fine print of proposed changes to Regulation Z -- Regulation Z requires creditors to disclose all costs and terms before a new credit card's first use. However, according to the board, "Currently, there are few ... (more)

Regulation Z rules proposed for credit card fee disclosures -- Credit card companies would have to clearly disclose fees charged to credit cardholders. ... (more)

Regulation Z would require credit card APR disclosure rules -- Regulation Z would require credit card companies to clearly disclose APRs. ... (more)

Regulation amendments propose fixed rate credit cards -- Fixed credit card rates would actually be fixed under Regulation Z amendments. ... (more)

Reg Z proposes credit card notice of term changes to 45 days -- Changes in terms of credit card contracts would need 45 days' advance notice. ... (more)

'Regulation Z' overhaul to change credit card fine print rules -- The Federal Reserve Board has proposed the most sweeping changes in nearly 30 years to credit card disclosure rules, known as Regulation Z. ... (more)

Regulation Z: Feds move to change credit card rules -- The Federal Reserve Board is likely to decide on final credit card disclosure rules in 2008. ... (more)

How the public feels about Regulation Z proposed changes to credit card disclosure rules -- Comments from consumers, credit grantors, payment processors and others on proposed changes to credit card disclosure rules ... (more)

Taking a credit card on a foreign vacation: 10 tips -- On balance, bringing your credit card on vacation is a smart decision, but expect extra fees and take precautions. ... (more)

Ask The Credit Guy: Should I do credit rehab myself? -- Credit counselor Todd Ossenfort, aka The Credit Guy, answers a reader's question about whether it's wise to embark on do-it-yourself credit repair. ... (more)

Verifone VX 670 allows diners to pay at the table -- The Verifone VX 670 allows transactions to be made at the table, keeping credit cards out of servers' hands. ... (more)

A not-so-brief history of credit cards -- As far back as the late 1800s, consumers and merchants exchanged goods through the concept of credit, using credit coins and charge plates as currency.  ... (more)

Poll: Millions will borrow to pay '08 winter heating bills -- Heating oil costs may exceed consumer budgets, leaving borrowing and credit cards as the only option for many families, a CreditCards.com survey shows. ... (more)

Poll: Gas prices will make '08 economy sputter -- Americans' longstanding addiction to gasoline will continue well into 2008, despite rising fuel costs, and may contribute to a slowdown in the overall economy, a new CreditCards.com poll reveals. ... (more)

Credit Freeze: Use it to prevent identity fraud -- Find out more about credit freezes, an effective way to fight identity fraud. ... (more)

On average, a card lasts must three years -- On average, a card lasts must three years before delamination, degaussing or (ulp!) scissors, so CreditCards.com asked one credit card to reminisce about its short unhappy life. ... (more)

Identity Theft: Consumers are attacked on smaller commercial websites -- Credit card dangers, such as identity theft, can pose a greater threat on smaller websites. ... (more)

Anatomy of a credit card -- Ever wonder what all those numbers mean, or what's on that black stripe? Find out here. ... (more)

Be cautious about opening store credit card accounts during the holidays -- Store credit cards may be appealing to shoppers looking to save money, but there are a number of reasons that initial 10% savings may not be enough to make having such a card a winning proposition. ... (more)

Credit card industry: The Senate weighs in -- Is the credit card industry heading toward the same debacle as the subprime mortgage industry? If unfair and deceptive trade practices continue -- and more ... (more)

Strategies for managing, getting rid of credit card debt -- Strategies for managing and getting rid of debt, including debt consolidation, while not hurting your credit. ... (more)

Business Credit Card Application Towards Start-up Costs -- Learn how Home Artisan Authority used a credit card to start its successful business. ... (more)

Charge card used for charitable giving yields rewards -- Charge cards can serve as a way to fund your favorite charities and non-profit organizations. ... (more)

Feds propose new right for consumers in credit disputes -- It will become a bit easier for consumers to dispute changes in their credit reports directly with banks or companies, according to a newly published federal regulation. ... (more)

Reward options for business credit cards: miles, rewards, cash back -- Business credit cards used to be plain-vanilla, no-frills cards that served only as a way to separate business spending from personal spending. Look how they've grown. ... (more)

Reward options for business credit cards – miles, rewards and cash back -- Business credit cards used to be plain-vanilla, no-frills cards that served only as a way to separate business spending from personal spending. Now business credit cards offer as many reward options as personal credit cards. ... (more)

Time's running out to claim currency conversion fee refund -- Consumers need to act fast in order to claim their share of a court-ordered multimillion dollar settlement with credit card giants over poorly disclosed fees on foreign transactions. ... (more)

How to claim expired gift card funds -- Tips for reclaiming 'lost' gift card money ... (more)

Gift card survey shows it pays to comparison shop -- If you want a 'use anywhere' gift card, expect to pay for the privilege, says the CreditCards.com survey. ... (more)

CreditCards.com survey of leading gift card providers -- CreditCards.com surveyed leading gift card providers to compare popular gift cards. ... (more)

7 tips for paying winter heating bills -- Having a hard time paying astronomic heating bills? These 7 tips can help. ... (more)

High winter heating bills, meet credit cards -- With heating bills sky high, consumers will be tempted to use utilities' new credit card payment options. Should they? ... (more)

Which utilities allow credit card payments in the United States? -- CreditCards.com surveyed many of the largest utility companies in the United States. A growing number of them offer customers the option of paying their bills with credit cards. Find out which major utility providers offer the service in your state. ...