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Credit

Guide to Chase Credit Cards

by Luke Landes

If forced to categorize, I’ve found that there are two main types of credit card users. Type A credit card users use debt to buy what they cannot afford and often pay much more than they need to thanks to interest. On the other side of the spectrum, Type B credit card users take advantage ... Continue reading this article…

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15 Credit Cards With the Best Rewards

by Luke Landes

Looking for the best credit cards? Read this updated article. Liz Pulliam Weston asked credit card experts for their recommendations for making the most of the rewards that the issuing companies offer. I’ve done well with my Citi Dividend Platinum Select and now my American Express Blue Cash for Business, but it’s interesting to see ... Continue reading this article…

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Bonus Offers for American Express Credit Cards

by Luke Landes

For anyone looking to apply for a new credit card there are a few offers from American Express with sign-up bonuses. American Express® Premier Rewards Gold Card The American Express Premier Rewards Gold Card is offering 25,000 Membership Rewards® Points after you spend $2,000 in your first 3 months of Card Membership. Other card features ... Continue reading this article…

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Chase TravelPlus Visa Card: 0% APR for 12 Months

by Luke Landes

I’ve updated several recent credit card articles to include information on the Chase TravelPlus Visa Card.

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Credit Cards for Balance Transfers: Low Promotional Interest Rates and Fees

by Luke Landes

Last week, following the list of 79 credit cards offering 0 percent APR, John made the following point: Awesome list Flexo. However all of them are not devoid of Balance Transfer (BT) fees. That is something to watch for especially when the BT fees are not capped. Would be great if this list could be further ... Continue reading this article…

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79 Cards Offering 0% APR on Purchases, Balance Transfers, or Cash Advances

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. Any indented text is excerpted directly from the issuer’s marketing. Here is an update to an article I posted about four months ago. If you’re looking for 0 percent APR offers, here are 79 of them. Warning! Taking advantage of ... Continue reading this article…

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Reader Question: Credit Freeze Worthwhile?

by Luke Landes

TV Girl wrote into Consumerism Commentary (and a few other blogs, so I expect to see responses elsewhere) with the following question about credit freezes: I’ve been listening to Dave Ramsey talk on his radio show about freezing your credit report, but I haven’t heard much (if anything) about this issue in the pf blogosphere. ... Continue reading this article…

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Credit Card Jacked Up Interest Rate: Cancel the Card?

by Luke Landes

Kimberly Lankford from Kiplinger recently handled a question from a reader. Capital One raised her interest rate from 9.9 percent to 15.9 percent on her account, and she’s wondering what her options are. You could decline the rate change and continue to pay off your balance at the old rate… Capital One would then close your account ... Continue reading this article…

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8 Secret Credit Scores You Don’t Know About

by Luke Landes

I’ve mentioned before that your income (or reported income) comes into play when you are offered credit. But wait! Your income isn’t considered when Fair Isaac Corporation calculates your credit score. We were discussing qualifying for mortgages at the time, but recent article from Liz Pulliam Weston confirms that credit card companies use some scoring ... Continue reading this article…

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The 6 Top Credit Cards for 0% APR on Purchases

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. Updated March 20, 2008. If you manage your money well and can afford to do so, there’s nothing wrong with using 0 percent offers to make larger purchases. Taking this approach gives you two advantages: you can leave more of ... Continue reading this article…

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Don’t Tell Teens Too Much About Credit Cards

by Luke Landes

I wrote earlier about the JumpStart Coalition‘s highlight of the Citi Curriculum for children in kindergarten through young adults. I thought this curriculum had excellent suggestions for teaching students of a variety of ages about basic tenets of money management. Janet Bodnar, an author and seminar leader, thinks these lessons have too many details. I ... Continue reading this article…

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New American Express Bonus: 40,000 Points (for Big Spenders)

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. The American Express Business Gold Rewards Card recently changed its sign-up offer. Previously, the card offered 25,000 bonus points redeemable for a round-trip airline ticket, $250 in gift certificates, or $125 in cash. Now the card is offering 40,000 bonus ... Continue reading this article…

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A Credit Card With No Late Fees?

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. Over the last year or two, credit card companies in general have been ratcheting up fees, perhaps to make up for more and more people who are learning to avoid them and to pay for the generous rewards they have ... Continue reading this article…

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5 Good Reasons to Avoid Debit Cards

by Luke Landes

I have two checking accounts. One is with Wachovia, which has been my main checking account (through bank mergers and acquisitions) for the last 15 years or so. The other is with ING Direct, which is a more recent development. Both checking accounts have provided me with debit cards which can be used to access ... Continue reading this article…

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Capital One’s New Breed of Debit Cards: Would You Use It?

by Luke Landes

Capital One has created a new kind of debit card, and the company is hoping it will replace traditional debit cards or even credit cards. This new debit card can be linked to any account at any bank and can be used for purchases or ATM withdrawals. There will be no fees, and Capital One ... Continue reading this article…

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FICO Will Eliminate Common Way to Build Credit

by Luke Landes

One of the most common ways for young people, say teenagers, to build credit is to become an authorized user on one or more of their parents’ credit cards. This way, they immediately have a significant amount of available credit, and by the time they need a credit score after college, they might have a ... Continue reading this article…

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A Credit Card With Sign-Up Bonus

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. If you’re a responsible user of credit cards — someone who pays their balance off each month — or if you use credit cards for business purposes, then you may be able to benefit from some of the offers ... Continue reading this article…

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Components of Your FICO Credit Score

by Luke Landes

While the formula that Fair Isaac uses to determine your credit score is a closely-guarded secret, the company does provide an overview of what they use in the calculation. Looking at these components, it becomes pretty clear what the company looks for when providing the best scores, which will assist in qualifying the borrower for ... Continue reading this article…

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Should You Pay Your Mortgage With a Credit Card?

by Luke Landes

Whenever it has been allowed by my landlords, I’ve paid my rent with my credit card. For me, this type of arrangement makes sense. I have the money to pay the credit card bill right away, and I earn cash back for using my Citi Dividend Platinum Select. The cash back isn’t the only benefit. ... Continue reading this article…

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Money Magazine’s 7 Best Reward Credit Cards

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. Updated: Here are 15 Credit Cards With the Best Rewards. This month’s issue of Money Magazine contains an article with credit card recommendations for a variety of spending types. Here’s the run-down. For big spenders: Blue Cash from American ... Continue reading this article…

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