Category Archives:Credit Cards
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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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Police: Banks Lost Over $9000 To Credit Card Skimming Operation On Long

Police: Banks Lost Over 00 To Credit Card Skimming Operation On Long
GARDEN CITY, N.Y. (CBSNewYork) — Two men were charged Thursday with using a skimming device to capture credit numbers and create fraudulent cards – resulting in losses of $ 9,000 to multiple banks. Kenneth Osias, 30, of Brentwood, and Otis Barnes, …
Read more on CBS Local

5 Most Important Things To Consider When Picking A Credit Card
If you are interested in obtaining a new credit card, then you need to think about a few of the critical factors that should go into that decision. Applying for a new credit card should not be a decision made lightly, and there are credit cards …
Read more on LowCards.com

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

Wells Fargo extends credit card push in deal with Dillard's

Wells Fargo extends credit card push in deal with Dillard's
Under a 10-year agreement likely to begin in the fourth quarter of 2014, Wells Fargo will offer private label and co-branded credit cards on behalf of Dillard's, taking over from General Electric Co's (GE.N) consumer finance unit. Financial terms of …
Read more on Reuters

Woman sought in use of stolen credit cards
Two women were seen on video in Manatee County using credit cards that were stolen from the vehicles parked at Tarpon Pointe. Anyone with information about the two women or the vehicle burglaries is asked to call Manatee County Crime Stoppers at …
Read more on Sarasota Herald-Tribune

Credit card breaches keep coming

Credit card breaches keep coming
Now, The Houstonian Hotel, Club & Spa has become the second major local business to announce this year that it, too, has been the victim of a "malicious software attack" that exposed the credit or debit card data of at least 10,000 customers. With …
Read more on Houston Chronicle

Newly-Launched Trucoin Allows Consumers to Buy Bitcoin With Credit Cards
Think about a list of complaints people have when it comes to bitcoin. Surely, one of the items on the list is the inability to acquire the digital currency easily. Having to deal with banks, long transfer times, and other obstacles, it can be a hassle …
Read more on newsBTC

Montgomery County launches broad review of credit card purchses
Montgomery County's inspector general is looking into how well the county controls credit card charges by its agencies and employees. Inspector General Edward L. Blansitt III said the review will encompass the county government, the Maryland-National …
Read more on Gazette.Net: Maryland Community News Online

Police: Men with fake credit cards may face more charges

Police: Men with fake credit cards may face more charges
State police at Hazleton said they found out more about two men caught with over three dozen fake credit cards in a vehicle Tuesday and the results of that further investigation could leave the men facing additional charges. Troopers said an officer on …
Read more on Standard Speaker

Coupons.com Introduces Ability to Load Digital Coupons to Credit Cards for
Using the Coupons.com website or Coupons.com mobile apps for iOS and Android, shoppers can easily add digital coupons to their credit or debit cards from Visa, MasterCard or American Express for automatic redemption at checkout. Offers are available …
Read more on Wall Street Journal

This Week In Credit Card News–Card Hackers Using Blackmail, Are Loans Now
While hackers tried to get rich by stealing millions of credit cards from Target, other cybercriminals have quietly tried another method to make a quick buck: asking companies to pay them to go away. Cybercriminals have threatened to disclose sensitive …
Read more on Forbes

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

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!

Ohio man sentenced in credit card fraud scheme

Ohio man sentenced in credit card fraud scheme
A search of the vehicle revealed 158 fraudulent credit cards, a laptop computer and a credit card encoder. The credit cards contained various names and account numbers and had been used in multiple fraudulent purchases throughout the country.
Read more on KYTX

It may sound like a good idea, but canceling credit cards can harm your credit
The reason why I cancel a credit card roughly once a year is, I tend to sign up for credit cards that offer large incentives to new customers, and then after a year when an annual fee pops up, I cancel them. To avoid harming my credit score, I won't …
Read more on Charleston Post Courier

General Electric spins off credit card unit in IPO
Synchrony Financial, the credit card unit of General Electric, made its debut Thursday as a public company, raising $ 2.9 billion in the year's largest initial public offering. The offering brings GE a step closer to reducing its footprint in financial …
Read more on Washington Post

The 'cash back' you get from your credit card comes from the guy behind you in

The 'cash back' you get from your credit card comes from the guy behind you in
This didn't catch on, in part because credit card purchasers disliked it so much and could take their business elsewhere. Instances in which consumers recoil from offers that strike them as unfair are more common than you might think. Even marketing …
Read more on Business Insider

Police ask public to ID pair who stole credit card
Surveillance photographs have captured the images of two suspects believed to be responsible for the use of stolen credit cards. Anyone with information is asked to contact Crime Stoppers at 436-STOP (436-7867). FORT WAYNE, Ind. (WANE) Fort Wayne …
Read more on WANE

Lansing-area murder victim's credit cards used twice in Ypsilanti area
Police say they have arrested two suspects who apparently used a murder victim's credit card in Ypsilanti. The two men who were seen in an Ypsilanti party store last week Thursday using a credit card belonging to a Jeffrey Kebler, who was found dead 10 …
Read more on WDIV Detroit