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Balance Transfer Fees on Chase Credit Cards

by Luke Landes

Credit cards simply are no longer offering the enticing deals in order to lure customers. Even though credit card companies have been willing to offer strong cash back rebates and introductory 0 percent APR deals, they’ve done so knowing that they can make up the loss through interest rates from defaulted customers and interchange fees. It ... Continue reading this article…

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New Bonus Points and Miles Offers on CitiBank Credit Cards

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. If you’re looking for bonus points or miles with your credit cards (and I would only suggest doing so if you pay your credit card balances in full every month and if you travel frequently), CitiBank is launching several new ... Continue reading this article…

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Balance Transfer Fees on American Express Credit Cards

by Luke Landes

Credit cards are tightening their standards and no longer being generous with low promotional interest rates on balance transfers. In fact, many cards have balance transfer fees even with their promotional offers. This information is not always immediately apparent. I’m assembling a list of current balance transfer fees by credit card. The other day, I ... Continue reading this article…

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Balance Transfer Fees on CitiBank Credit Cards

by Luke Landes

Editor’s Note: Thank you for your interest, these offers have expired and are no longer available. Updated July 2nd to reflect additional removal of the no-fee offers. There was a time when credit card companies offered nice balance transfer offers, so savvy manipulators could earn interest on savings obtained from credit. While being charged a ... Continue reading this article…

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Survey: Americans are Financially Illiterate

by Luke Landes

The new bill supporting financial literacy education introduced in the Senate recently may be a response to a recent survey that quantified apparent American ignorance in matters of money. The survey presented 1,000 people with a hypothetical scenario about credit card debt and asked them to compute how long it would take to pay it ... Continue reading this article…

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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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Update: Guide to Citibank Credit Cards

by Luke Landes

Thanks to the recent reduction in the federal funds interest rate, debtors have reason to celebrate. Interest rates on credit cards pegged to the prime rate are decreasing. CitiBank recently reset the APRs on a number of their credit cards. Citi® Dividend Platinum Select® for College Students Now 13.99 percent – 21.99 percent on purchases. The Citi ... Continue reading this article…

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Chase Commuter Cash: Earn $10 for Every $150 Spent

by Sasha

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. This weekend I visited Manhattan with a friend to avail myself of a fancy, bargain-priced Restaurant Week lunch. If you consider a $24.07 lunch a bargain, that is. It is three courses, and generally tasty ones at that. Anyway, during ... 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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Consumer Reports: Best and Worst Credit Card Issuers

by Luke Landes

Consumer Reports surveyed customers in an effort to find the best credit card companies when it comes to incidences of interest rate problems, incidences of bill-timing problems, and effectiveness of problem resolution. If you’ve paid for a subscription to Consumer Reports, you can view the results here. At the very top of the list is ... 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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