What happens if you open up your credit card statement and find a problem? Your first instinct may be to pick up the phone and yell at someone (anyone). But take a deep breath first. You have rights that may make it easier than you think to straighten out the credit card billing mistake, provided... Read More

Credit cards can be an amazing financial tool, giving us the flexibility and convenience to use and leverage our money in the most efficient and cost-effective ways possible. If managed wisely, they offer a vast array of benefits including buyer protections, cash back or travel rewards on purchases, solid credit scores, and can even provide... Read More

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] It makes sense that people who are in the process of rebuilding their credit history might have their credit card application declined. But in fact, even those who have a good... Read More

There’s a good chance that among the gifts you get this holiday season, at least one will be a gift card. They are easy to buy and give, and often popular with those who receive them. According to the National Retail Federation’s annual holiday survey, six in 10 (59.8%) of those polled say they’d like... Read More

Borrowers’ credit card habits have changed drastically since the end of the recession, but as they’ve started carrying slightly more debt in recent months, default rates for some of the nation’s top lenders crept upwards in November. Capital One Financial, Discover Financial Services and American Express all saw higher rates of charged off credit card... Read More

Everything you need to know about your credit rights pretty much begins and ends with the Fair Credit Reporting Act (FCRA). The law was first enacted in 1970 and has been amended more than a dozen times over the years. The FCRA is 84 pages long and outlines the rules and regulations for the credit... Read More