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	<title>Credit Card Wisdom</title>
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	<description>Credit Card Wisdom to Help You Save Money</description>
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		<title>Important Differences Between Personal and Business Credit Cards</title>
		<link>http://www.cardwisdom.com/blog/important-differences-between-personal-and-business-credit-cards/</link>
		<comments>http://www.cardwisdom.com/blog/important-differences-between-personal-and-business-credit-cards/#comments</comments>
		<pubDate>Sun, 19 Feb 2012 11:23:06 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Business Credit Cards]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[business credit card]]></category>
		<category><![CDATA[business credit card disadvantages]]></category>
		<category><![CDATA[business vs. personal credit card]]></category>
		<category><![CDATA[personal credit card]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1290</guid>
		<description><![CDATA[Credit card holders are often seeking to find and apply for the better credit card offers. In most cases, a similar offer for a business credit card can be found adjacent to most applications. The terms and conditions may appear the same, and many potential new applicants will likely fail to notice key differences between [...]]]></description>
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		<title>What Happens When You Receive a Refund to a Cancelled Credit Card</title>
		<link>http://www.cardwisdom.com/blog/what-happens-when-you-receive-a-refund-to-a-cancelled-credit-card/</link>
		<comments>http://www.cardwisdom.com/blog/what-happens-when-you-receive-a-refund-to-a-cancelled-credit-card/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 10:15:24 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[cancel credit card refund]]></category>
		<category><![CDATA[cancelled credit card]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[refund cancelled credit card]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1287</guid>
		<description><![CDATA[Credit cards are useful tools, but the accounts do not last forever. There are many reasons that a cardholder would not have the same card over a long period of time, including the loss, theft, or damage of the card. In other instances, credit cards expire or cardholders simply choose to close their account. At [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>How to Receive a Retention Offer from a Credit Card Company</title>
		<link>http://www.cardwisdom.com/blog/how-to-receive-a-retention-offer-from-a-credit-card-company/</link>
		<comments>http://www.cardwisdom.com/blog/how-to-receive-a-retention-offer-from-a-credit-card-company/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 09:04:38 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[credit card customer retention]]></category>
		<category><![CDATA[credit card customer retentions]]></category>
		<category><![CDATA[customer retention department]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1283</guid>
		<description><![CDATA[Banks spend a considerable amount of money in order to attract each new cardholder. After making such investments, these banks actually do try hard to make sure their customers are satisfied and continue to renew their cards annually. Nevertheless, a certain percentage of customers will call the bank each year to request that their card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Drawbacks Of 5% Cash Back Cards That Feature Rotating Bonus Categories</title>
		<link>http://www.cardwisdom.com/blog/drawbacks-of-5-cash-back-cards-that-feature-rotating-bonus-categories/</link>
		<comments>http://www.cardwisdom.com/blog/drawbacks-of-5-cash-back-cards-that-feature-rotating-bonus-categories/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 17:54:49 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Cash Back Credit Cards]]></category>
		<category><![CDATA[Credit Card Rewards]]></category>
		<category><![CDATA[5% cash back]]></category>
		<category><![CDATA[5% cash back credit cards]]></category>
		<category><![CDATA[cash back credit cards]]></category>
		<category><![CDATA[credit card rewards]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1279</guid>
		<description><![CDATA[Cash back reward cards are an attractive way to earn a return on credit card purchases. While some cards offer the same percentage of cash back for all purchases, many other cards are advertised as 5% cash back credit cards. These offers grant different percentages of returns for different types of transactions. Among these products [...]]]></description>
		<wfw:commentRss>http://www.cardwisdom.com/blog/drawbacks-of-5-cash-back-cards-that-feature-rotating-bonus-categories/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>Credit Card Merchant Fees And Charitable Giving</title>
		<link>http://www.cardwisdom.com/blog/credit-card-merchant-fees-and-charitable-giving/</link>
		<comments>http://www.cardwisdom.com/blog/credit-card-merchant-fees-and-charitable-giving/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 08:44:47 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit card merchant fees]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit cards charity]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1274</guid>
		<description><![CDATA[Non-profit organizations do an incredible amount of important work. They rely on both corporations and individual donors in order to support their efforts. As much as these organizations value individual donations, there is always a cost to receiving and processing the funds that are donated. Most charities choose to accept donations made using credit cards, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>About the Capital One No Hassle Giving Charity Tool</title>
		<link>http://www.cardwisdom.com/blog/about-the-capital-one-no-hassle-giving-charity-tool/</link>
		<comments>http://www.cardwisdom.com/blog/about-the-capital-one-no-hassle-giving-charity-tool/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 11:33:25 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Capital One Credit Cards]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[capital one charity]]></category>
		<category><![CDATA[capital one donations]]></category>
		<category><![CDATA[capital one giving]]></category>
		<category><![CDATA[capital one no hassle giving]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1271</guid>
		<description><![CDATA[Like any other organization that receives money through credit cards, charities must normally pay a portion of their income in the form of credit card fees. While a company may look upon these fees as a normal cost of doing business, a non-profit finds that these charges reduce the amount of money that they can [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The CARD Act’s Limitations On Extending Credit To Young Adults</title>
		<link>http://www.cardwisdom.com/blog/the-card-acts-limitations-on-extending-credit-to-young-adults/</link>
		<comments>http://www.cardwisdom.com/blog/the-card-acts-limitations-on-extending-credit-to-young-adults/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 11:27:31 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[card act]]></category>
		<category><![CDATA[card act college students]]></category>
		<category><![CDATA[card act students]]></category>
		<category><![CDATA[students credit cards]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1269</guid>
		<description><![CDATA[Anyone who attended college in the 80s and 90s has almost certainly been the target of credit card marketing on campus. Banks would frequently erect booths near dormitories and at major sporting events. Students would be invited to fill out credit card applications in exchange for t-shirts, duffel bags, or even a chance to win [...]]]></description>
		<wfw:commentRss>http://www.cardwisdom.com/blog/the-card-acts-limitations-on-extending-credit-to-young-adults/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Advantage of Using Cash Back Credit Cards with Fixed Reward Rates</title>
		<link>http://www.cardwisdom.com/blog/the-advantage-of-using-cash-back-credit-cards-with-fixed-reward-rates/</link>
		<comments>http://www.cardwisdom.com/blog/the-advantage-of-using-cash-back-credit-cards-with-fixed-reward-rates/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 17:21:07 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[cash back categories]]></category>
		<category><![CDATA[cash back credit card rates]]></category>
		<category><![CDATA[cash back credit cards]]></category>
		<category><![CDATA[fixed cash back rates]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1266</guid>
		<description><![CDATA[Earning cash back on your regular spending is a fantastic benefit. When credit cardholders try to maximize the amount of money they receive, they have a nearly endless choice of credit cards to apply for. Among these cash back reward credit cards are those that offer fixed reward rates on all spending, as opposed to [...]]]></description>
		<wfw:commentRss>http://www.cardwisdom.com/blog/the-advantage-of-using-cash-back-credit-cards-with-fixed-reward-rates/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
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		<title>How To Encourage Responsible Credit Card Among Use College Students</title>
		<link>http://www.cardwisdom.com/blog/how-to-encourage-responsible-credit-card-among-use-college-students/</link>
		<comments>http://www.cardwisdom.com/blog/how-to-encourage-responsible-credit-card-among-use-college-students/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 12:13:40 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[college credit cards]]></category>
		<category><![CDATA[college student credit cards]]></category>
		<category><![CDATA[responsible credit cards]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1263</guid>
		<description><![CDATA[Busy college students spend their school years learning all manner of subjects, but unfortunately, responsible credit card use is rarely one of them. Too often, Americans who struggle with credit card debt are merely continuing a habit that they began as college students. Therefore, it is vital that college students learn to use credit cards [...]]]></description>
		<wfw:commentRss>http://www.cardwisdom.com/blog/how-to-encourage-responsible-credit-card-among-use-college-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How Banks Calculate Credit Card Interest</title>
		<link>http://www.cardwisdom.com/blog/how-banks-calculate-credit-card-interest/</link>
		<comments>http://www.cardwisdom.com/blog/how-banks-calculate-credit-card-interest/#comments</comments>
		<pubDate>Sun, 15 Jan 2012 11:08:53 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit Card Tips]]></category>

		<guid isPermaLink="false">http://www.cardwisdom.com/blog/?p=1259</guid>
		<description><![CDATA[Credit card users love the convenience and security that these products offer, but they hate paying interest. When cardholders are unable to pay their entire balance in full, interest will inevitably be accrued. While most credit card users will pay interest on the credit cards at some point, few are aware of exactly how that [...]]]></description>
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		<slash:comments>0</slash:comments>
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