Category Archives:Credit Cards
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4 Reasons Why College Kids Need a Credit Card

4 Reasons Why College Kids Need a Credit Card
The thought of your baby going off to college is scary enough. Now picture him or her armed with a credit card! As a parent, your instinct might be to shelter your young adults from the complicated world of credit (and its potential debt downside) as …
Read more on Fox Business

Chip-based credit cards are a decade old; why doesn't the US rely on them yet?
Earlier this week, mobile payments company Square announced that it had developed a credit card reader that will verify purchases from an embedded chip on the card. Currently, US consumers primarily rely on swipe-and-sign credit cards, which give card …
Read more on Ars Technica

Credit, debit or cash? 7 scenarios show when to use each
Credit card issuers watch for fraudulent charges! It's important in this day and age, especially with so many data thefts. If you detect fraud yourself, you can dispute a charge and get it reversed quickly thanks to credit card issuers' "zero liability …
Read more on Today.com

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Lastest Credit Cards News

MasterCard and Wal-Mart Partner On Store Branded Credit Cards
After almost a decade of partnership with Discover, Wal-Mart and its subsidiary property Sam's Club have elected to enter into an agreement to make MasterCard their go-to payments network for handling all transactions on its store-branded credit cards.
Read more on PYMNTS.com

PayStand Launches Online Payment Service For Bitcoin, Credit Cards And E
Customers, meanwhile, will get informed of the costs associated with each transaction method, ranging from 2.9 percent for a credit card purchase, 25 cents for online check, and no charge for making a bitcoin-based payment. If merchants receive their …
Read more on TechCrunch

Couple on the run wanted for sophisticated fraud scheme
HOUSTON (KTRK) — Harris County Sheriff's Office investigators are hoping the public can lead them to a couple wanted for a sophisticated credit card fraud enterprise involving over 100 known victims.
Read more on abc13.com

Q&A: credit cards?

Question by margarito209: credit cards?
is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

Best answer:

Answer by Jeremy P
I would recommend avoiding ‘store’ credit cards altogether. They usually have extremely high interest rates (23.99%-29.99%) and other hidden fees. You might want to consider a credit card for people with poor / no credit here:

http://www.asapcreditcard.com/unsecured-offers.html

While these offers tend to have higher interest rates and additional fees when compare to ‘standard’ credit cards– you’ll pay much less than a store credit card. Plus, they’ll give you the chance to prove your creditworthiness and improve your credit score.

Eventually… with regular, on-time payments– you’ll be able to apply for better offers with lower APR’s and less fees.

Hope this helps. GOOD LUCK!

Know better? Leave your own answer in the comments!

Establishing credit with no credit or credit card?

Question by Alan: Establishing credit with no credit or credit card?
How would I go about establishing credit with no credit or credit card? I am 21 with no credit or credit card, just a checking/savings account with a debit card. And thats all I want for the rest of my life. I dont spend money unless I have it so I’m not looking into getting a credit card and dealing with all the mess(signing up, extra cards in my wallet, charges, etc). So how can I?
I dont think i can even have my own verizon cellphone plan with no credit unless I put down a huge deposit.

Any help or tips are nice!
Thanks

Best answer:

Answer by Toni
Credit cards are free to use.
If you pay the bill in full each month, you never pay interest and can easily get amazing scores without ever paying a penny.
Any other way of establishing credit will cost you money.

If you get an answer to get a secured card – remember that this card turns into a credit card.
So if you don’t like credit cards – don’t do it.

Secured loan – best way – but will cost you (vs. a free credit card).
With this loan you deposit $ 1,500 to $ 3,000 into a savings or cd and you make a secured loan against it.
Tell the bank what you are doing upfront, and spend at least one year paying back.

Re-consider getting a credit card.
It’s a 100% free way to get top credit ratings without ever paying a penny.
Just make sure you can pay in full each month.
If you ever carry a balance and pay interest it can easily destroy your credit and your life.
47% of Americans pay in full each month (never paying interest or any type of fee).
They have the top scores – could you be one of them???

Know better? Leave your own answer in the comments!

US banks starting toward microchip credit cards

US banks starting toward microchip credit cards
Major credit card companies are pushing banks and merchants to convert to microchip technology because personal information is much harder to lift from microchips. In October 2015, the liability for fraud will shift from the bank or credit union to …
Read more on The Virginian-Pilot

US banks starting towards microchip credit cards
Major credit card companies are pushing banks and merchants to convert to microchip technology because personal information is much harder to lift from microchips. In October 2015, the liability for fraud will shift from the bank or credit union to …
Read more on The Virginian-Pilot

Lastest Credit Cards News

6 Credit Cards With No Balance Transfer Fees
They hate them so much that, when they need a new credit card, many consumers flock to cards with no fees or credit cards that offer simple and easy-to-understand fee structures (we highlight a few of those simple credit cards in the Best Credit Cards …
Read more on Credit.com News (blog)

Cloned credit cards scheme in Aiken County under investigation
Several law enforcement agencies are investigating a cloned credit cards scheme that has been ongoing in this region since early May. According to investigators, there has been a “prolific use of cloned credit cards” by several suspects in coordination …
Read more on Aiken Standard

New chip credit cards putting squeeze on small businesses
The cards being rolled out by banks and credit card companies are aimed at reducing fraud from counterfeit cards. As chip cards are phased in, magnetic stripe cards, which are easier for thieves to copy, will be phased out. Businesses of all sizes face …
Read more on Minneapolis Star Tribune

Q&A: unsecured credit card?

Question by *Bitch please*: unsecured credit card?
what is a unsecured credit card?

Best answer:

Answer by MadMan
It is a “normal” credit card in which the borrower does not have to deposit any cash with the issuer.

Give your answer to this question below!

Q&A: credit card?

Question by just fun12: credit card?
what is deffrence between student credit card and secured card?

Best answer:

Answer by bevrossg
Don’t have any credit card. Pay cash and stay out of debt!

Give your answer to this question below!

Lastest Credit Cards News

5 Best Low-Interest Credit Cards
Many credit union credit cards are just "white label" products operated by major banks through partnership agreements, offering the same features — and similar interest rates to their better-known counterparts. As one of the largest and fastest …
Read more on Motley Fool

Citing spending during Bell's term, Collins says 'no more credit cards' for
Mayor D. Michael Collins took a long look at the credit card purchases made by his predecessor and two other top Toledo officials the past two years, and he came to a swift decision. “No more credit cards,” the mayor said, explaining why neither he nor …
Read more on Toledo Blade

Bank of America near credit card deal with US regulator
WASHINGTON (Reuters) – Bank of America Corp is close to settling with a U.S. consumer regulator over the sale of services sold as add-ons to credit cards, sources familiar with the talks said. The second-largest U.S. bank said in an August securities …
Read more on Reuters

What Parents of Soon-to-Be College Students Need to Know About Credit Cards

What Parents of Soon-to-Be College Students Need to Know About Credit Cards
It did put some needed restrictions on offering credit cards to students. For young adults under the age of 21, they have to show sufficient income before they can be approved unless they have a cosigner. The CARD Act also banned gift giving to entice …
Read more on Forbes

Women stole 000 in cash, credit cards from Kings Island guests
Between June 6 and July 2, the two women allegedly broke into 30 lockers at the Mason amusement park, stealing numerous items including nearly $ 10,000 in cash, credit cards, wallets, cellphones, gift cards, cameras, a Miami Valley Hospital ID and a …
Read more on Dayton Daily News

Credit Card Offers From Retailers Are No Bargain
We all know the drill: you're at the store, ready to pay for your purchases when the associate at the register makes a tempting offer: would you like to open a store credit card right now, and get a discount on what you're about to buy? Depending on …
Read more on International Business Times

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