How To Choose The Right Credit Card For Your Spending Style

As I contemplated changing my everyday credit card to the Chase Freedom card; I’ve been pondering one of my favorite financial topics…credit card strategy. In other words, how does one maximize the benefits of The Everyday Spender. Uses one credit card to pay for everything, everyday. The Big-ticket Buyer. Uses credit cards only for big […]

Debit vs. Credit: How Do You Use Them Differently?

Debit or credit? At a distance, there’s virtually no way to distinguish the small plastic cards with Visa or MasterCard logos. Both allow you to pay for goods and services instantaneously by transferring cash behind the scenes. But anybody who understands how these two payment cards work knows the similarities are only skin-deep. Credit cards […]

How to Lower Your Credit Card Interest Rate

When it comes to pulling the wool over customers’ eyes, banks issuing credit cards are the pros. And one of their favorite ways to trick you is to raise your credit card interest rate. Although new credit card laws make it more difficult for the banks to do it, don’t think you’re immune to a […]

Credit Cards with the Best Customer Websites

Capital One Online

The credit card industry is competitive. As a result, the leading cards for borrowers with good credit are pretty similar. If you go with one of our recommended credit cards, you can expect a decent APR, rewards with every dollar spent and—in most cases—no annual fee. But what else distinguishes these cards? For one, their […]

Credit Card Sign Up Bonuses: A Reason to Apply?

Credit card banks are masters of marketing; our household receives some kind of credit card junk mail several times a week. Banks are annoyingly persistent, but they’re also sneaky. One of the tricks? Credit card sign up bonuses. You know the kind: 10,000 miles after your first purchase. A free airline ticket when you spend […]

Using Credit Cards and Debit Cards Overseas

When I moved to the UK and opened a bank account, I had no idea that anything but a Visa or Mastercard logo could be on a debit card (in other parts of the world, there are other kinds of debit cards). I should have looked into this before hand, but it honestly didn’t cross […]

4 Reasons Not To Use Rewards Credit Cards

Do You Make This Dangerous Credit Card Mistake

That cash back credit card may not be as rewarding as you think. Here are four reasons not to use rewards credit cards — consider them carefully before you sign up.

American Express Zync Card Review

American Express Zync Charge Card

Notice: The Zync card from American Express has been discontinued; this article is for historical purposes only! The American Express Zync Card, a charge card geared towards twenty-somethings, is a possible alternative to traditional credit/debit cards for anybody under 30. I have been a fan of Amex charge cards and used one myself for a […]

Credit Card Alternatives

Credit card companies are raising interest rates on just about everybody these days, fueling many people’s passionate disdain for using any credit card for any reason. Once upon a time, there was only one alternative to spending with credit cards: cold hard cash. But then came debit cards—accepted everywhere just like credit cards, but without […]

My Credit Card Raised My Interest Rate! Here’s What to Do

Stories of credit card companies raising interest rates on just about everybody—even customers with perfect credit, no debt, and no late payments—continue to roll in. That’s because the CARD Act takes effect this winter and will restrict credit card companies’ ability to raise interest rates on existing customers. If you thought credit card companies were […]