Introducing Teenagers To Responsible Credit Card Use

March 3, 2012

American’s in general have difficulty managing their credit card use. Too often, they spend without regard to their ability to pay their bills. The result is that most of us carry a balance on our credit cards each month. While many struggle to pay off their debt, most were never instructed on how to use [...]

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How The CARD Act Changed The Way Credit Card Interest is Calculated

February 27, 2012

When the CARD Act of 2009 became law, it ushered in a new age for credit card users. Before this law was passed, credit card issuers had maintained a unique method of a calculating credit card interest that many thought to be bizarre, convoluted, and unfair. Banks had been calculating their customer’s interest payments using [...]

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The CARD Act and Credit Card Due Dates

February 23, 2012

The Credit Card Accountability Responsibility and Disclosure Act of 2009 aka the CARD Act of 2009, was passed in order to protect consumers from what were generally believed to be unfair and deceptive practices of credit card issuing banks.  Before this law, it was not uncommon for credit card users to be charged late fees [...]

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Important Differences Between Personal and Business Credit Cards

February 19, 2012

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 [...]

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What Happens When You Receive a Refund to a Cancelled Credit Card

February 15, 2012

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 [...]

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How to Receive a Retention Offer from a Credit Card Company

February 11, 2012

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 [...]

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Drawbacks Of 5% Cash Back Cards That Feature Rotating Bonus Categories

February 7, 2012

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 [...]

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Credit Card Merchant Fees And Charitable Giving

February 3, 2012

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, [...]

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About the Capital One No Hassle Giving Charity Tool

January 31, 2012

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 [...]

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