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Credit

PenFed Promise Visa Review

by Joe Taylor Jr.
PenFed Promise Visa Card

By offering a suite of services originally designed to help military families make ends meet, Pentagon Federal Credit Union has grown into one of the country’s largest nonprofit financial institutions. Unlike credit unions that require geographic or employer-related eligibility, PenFed extends membership to any citizen with a family connection to our national defenses. You can […]

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The Credit Access and Inclusion Act: Should Credit Scores Include Utility Payments?

by Luke Landes
For Rent

A bill is currently being considered by the House Financial Services committee in the U.S. House of Representatives that would make it easier for credit reporting agencies to include both positive and negative bill-paying behavior in credit scores. The Fair Isaac Corporation, which changed its company branding in 2009 to be just FICO though the […]

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The Occupy Debit Card

by Luke Landes
Occupy Banks

Can an organization offer mainstream financial products while being ideologically opposed to the mainstream financial industry? That’s the question I began considering when I first heard that the Occupy Wall Street movement was in the process of developing a prepaid debit card product. The Occupy Debit Card is still just a concept, but if the […]

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An Unauthorized Charge From TransUnion: Was My Identity Stolen?

by Luke Landes
Burglar alarm

Earlier this year, the university where I studied as an undergraduate, the University of Delaware, announced that the school had been the victim of a security breach. The announcement indicated that personal information of anyone who had been on the university’s payroll might be compromised, and those who were compromised would receive a letter from […]

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Discover it® with 18-Month Balance Transfer Offer

by Joe Taylor Jr.

The Discover it® card with an 18-month introductory balance transfer offer arrived on the market with heavy fanfare, including lots of television ads and billboards touting personal service and a new rebate structure that frees customers from most cash-back traps. This card’s critics have pointed out that other lenders extend far more generous sign-up offers, dangling hundreds […]

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Credit Card Basics: Everything You Should Know

by Luke Landes
Inappropriate use of a credit card

The credit card is one of the most divisive products among all the financial tools available. Ask around and you’re sure to find people who pay all their expenses using credit cards as well as others who swear the products are the embodiment of pure evil. Opinions among financial experts and thought leaders are just […]

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Discover it® for Students

by Joe Taylor Jr.

Discover®’s made strong inroads into student borrowing over the past few years. Discover it® for Students represents the bank’s latest foray onto college campuses, with pricing and features that resemble full-featured credit cards more than the typically watered-down student accounts on the market. Loading up your wallet for the long haul For years, student credit cards earned bad […]

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Keep Your Old Credit Cards Open

by Luke Landes
Credit Cards

There may come a time when you have no need to keep your credit score as high as possible. Perhaps you have no need for debt now and in the future. It’s not common, but there are a few methods of arriving at that point. You’ve fashioned a life for yourself off the grid. You […]

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Discover it® for Students with $20 Cashback Bonus

by Joe Taylor Jr.

Once upon a time, applying for a student credit card got you a cheesy T-shirt, or a hat, or a beer koozie. Often, that same card saddled you with a higher-than-average APR and a bare bones set of features compared to regular credit cards. Instead of spiking your finance charges, the folks behind the Discover it® for Students […]

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How credit card issuers pay rewards without going broke

by Lance
Credit cards

This is a guest article by Lance, the founder of the blog Money Life and More. Earning rewards from credit card companies like cash back and sign-up bonuses, astute credit card users may be wondering how issuers afford to pay these bonuses for people who don’t pay interest or late fees. Lance takes a look […]

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