The CARD Act’s Limitations On Extending Credit To Young Adults

January 27, 2012

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 [...]

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The Advantage of Using Cash Back Credit Cards with Fixed Reward Rates

January 23, 2012

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 [...]

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How To Encourage Responsible Credit Card Among Use College Students

January 19, 2012

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 [...]

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How Banks Calculate Credit Card Interest

January 15, 2012

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 [...]

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Using Credit Cards for International Travel

January 11, 2012

We all take for granted the convenience and security of using our credit cards within the United States. What is less certain is our ability to use our cards when traveling outside the country or overseas. While some novice travelers may have been under the impression that they can use their credit cards in foreign [...]

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Don’t Apply For Airline Credit Cards At the Airport

January 7, 2012

Walking through most airports, travelers will often find representatives of banks handing out applications for airline credit cards. It is difficult to blame them for this practice, as they are simply choosing the location with the highest concentration of airline passengers. In fact, some airlines have even recruited their in-flight staff to encourage passengers to [...]

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How to Avoid False Credit Card Fraud Alerts

January 3, 2012

Credit cards are an incredibly convenient method of payment, but only when everything goes according to plan. Banks are constantly looking for ways to avoid losses from credit card fraud, and they occasionally mark legitimate charges as fraudulent. When this happens, customers can have transactions denied and their cards can be invalidated. Because a false [...]

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Credit Card Basics: What Is A Charge Card

December 23, 2011

When you hold one of them in your hand, credit cards, debit cards, and charge cards all appear the same. When you use one of these products to make a purchase, the check out process is nearly identical as well. Just as a debit card is entirely different than a credit card, a charge card [...]

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BankAmericard Cash Rewards Review

December 19, 2011

The market for cash back reward credit cards is very crowded as a growing number of customers prefer cash to loyalty points. Every major bank offers at least one product that allows consumers to earn cash back and these cards are typically distinguished by the categories that return higher cash back percentages. Bank of America’s [...]

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