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Credit

$300,000 on Credit Cards and an 815 FICO Score

by Luke Landes
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The choice to use credit cards tends to be more personal than financial. While credit card use can be the gateway to a lifetime buried in debt, it doesn’t have to be. Most people are Type A credit card users. Type A credit card users see credit cards as a tool for buying anything for ... Continue reading this article…

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Citi Dividend Platinum Select Card $100 Cashback Bonus

by Luke Landes

Credit card issuers seem to be getting more competitive with offers lately, and Citi has recently decided to increase their latest bonus. For a limited time only, the Citi® Dividend Platinum Select® Card will be offering $100 cash back after making $500 during the first three months of card ownership. I’ll review the Citi® Dividend ... Continue reading this article…

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Citi ThankYou® Preferred Card $250 in gift cards

by Luke Landes

The offer you are interested in has expired. Read our Citi cards review.

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Blue Cash Preferred Card from American Express Review

by Luke Landes

When the Credit Card Act was passed years ago, many thought it would be the end of credit card rewards programs. Despite increased costs of operations, credit card issuers continue to beef up their attempts to attract new customers, with bonuses for signing up and growing perks. The best cards you’ll find today seem to ... Continue reading this article…

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7 Tips for Using Student Credit Cards

by Luke Landes

If you’ve just received your first student credit card, congratulations. Perhaps you’ve used pre-paid debit cards in the past, or maybe this is your first time with plastic. Credit cards are just tools for spending the money that you do have, and are not inherently good or evil. If you use them well, they will ... Continue reading this article…

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Report: Credit CARD Act of 2009 Good For Consumers

by Luke Landes
MasterCard credit card

According to the Center for Responsible Lending, the Credit CARD Act of 2009, which designated the Federal Reserve Board to introduce new regulations for the credit card industry, has been successful in increasing transparency for consumers. As a result of the new regulations, the actual interest rates cardholders pay is now closer to the advertised ... Continue reading this article…

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Starwood Preferred Guest Credit Card from American Express Review

by Luke Landes

The Starwood Preferred Guest® Credit Card from American Express is continually one of the best-reviewed cards from this issuer and card owners are most likely to rate highly on customer satisfaction surveys. The card offers excellent incentives and a low interest rate. New cardmembers of the Starwood Preferred Guest® Credit Card from American Express can ... Continue reading this article…

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BillGuard Monitors Your Credit Card Statements for Unwanted Charges

by Luke Landes

Hundreds of Consumerism Commentary readers have written in to this website to complain about FreeCreditReport.com. Many customers believed they were signing up for a free service, but the fine print indicated that accessing one’s credit report for free led to automatic credit card charges that were difficult to reverse. A new service promises to monitor ... Continue reading this article…

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Chase Sapphire Card Review

by Luke Landes

With the summer months quickly approaching, credit card issuers are scrambling to create incentives on their travel reward credit cards. It’s no secret that a good bonus attract thousands of new cardholders, and Chase has decided to go after customers with this offer of 10,000 point bonus for new holders of the Chase Sapphire® Card, ... Continue reading this article…

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Free Triple Credit Score with GoFreeCredit.com

by Luke Landes

This review of the Free Triple Credit Score with GoFreeCredit.com was published in 2011. According to a representative from the company, the platform has been updated in the intervening years and some details from this review no longer apply. Today, GoFreeCredit.com works directly with TransUnion to provide a score and three-bureau credit monitoring for $17.95 ... Continue reading this article…

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Discover Motiva Card Review

by Luke Landes

Most credit cards offered to consumers today are built the same way. Provide a mediocre interest rate with a 1 percent cash back rewards program and a couple of perks and you have 99 percent of the market covered. The challenge lately has been finding a credit card offer that goes beyond “state of the art” and ... Continue reading this article…

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Citi Credit Card Reviews

by Luke Landes

Citigroup is the third largest bank holding company in the United States, and Citibank is the consumer banking entity owned by this behemoth company. Sometimes, size is an advantage. Citibank’s size allows it to have a massive credit card division, branded as “Citi Cards.” The size helps the bank offer some of the best deals ... Continue reading this article…

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Chase Sapphire Preferred Card: 40,000 bonus points

by Luke Landes

The Chase Sapphire Preferred® card offers 40,000 bonus points for new cardholders who manage to spend a total of at least $3,000 during their first three months of membership. This translates into $500 toward travel booked through Ultimate Rewards. Previous promotions for this card had offered a slightly sweeter deal for new cardholders, but Chase ... Continue reading this article…

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Are You On the Credit Bureau VIP List?

by Luke Landes

If you’re a celebrity, politician, or otherwise in the public eye, you may be on VIP lists maintained by the credit reporting bureaus, granting you a different level of customer service. According to lawyers who have sworn testimony from employees, this two-tiered system favors the well-connected by granting them access to immediate corrections on erroneous ... Continue reading this article…

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TrueEarnings Card from Costco and American Express Review

by Luke Landes

In 2009, Congress passed enacted laws that require credit card issuers to be more direct with their terms and conditions. Companies can no longer get away with double-cycle billing and hidden fees, which were costing customers millions of dollars every year. There are still a few items found in the fine print that customers often ... Continue reading this article…

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American Express Gold Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. While the credit card market continues to change due to new regulations, American Express and its line of charge cards have not. For decades, American Express has offered three different charge cards, each well known because of their color. Whether ... Continue reading this article…

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Ordering a Replacement Credit Card Due to Magnetic Stripe

by Luke Landes

When the magnetic stripe on the back of your credit card stops being effective more than two years before the card’s expiration date, you may take this as indication that you swipe the credit card fairly often. Maybe this is a frequent occurrence, but this is the first time this has happened to me. Over ... Continue reading this article…

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Citi Diamond Preferred Card Review

by Luke Landes

When looking for a new credit card to place in your wallet, there are a variety of factors you should always consider. First of all, credit cards are not for everyone. In order to take advantage of the rewards that some credit cards provides, you should honestly evaluate whether increasing your use of credit cards ... Continue reading this article…

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Blue Cash Everyday Card from American Express Review

by Luke Landes

****EDITOR’S NOTE: THIS OFFER IS EXPIRED AND IS NO LONGER AVAILABLE**** Since last summer, credit card offers have been a bit of a mixed bag. While rewards programs and sign-up bonuses have been increasing, the issuers have also been increasing fees and interest rates. If you use a credit card, always make sure to pay ... Continue reading this article…

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Bank of America Warning: Credit Card With 30% APR

by Luke Landes

Don’t let anyone convince you that credit card companies are having a hard time dealing with new regulation. I received a warning in the mail yesterday from Bank of America. In fact, I received two warnings, in separate packages, related to the two Bank of America credit cards I own but do not currently use. ... Continue reading this article…

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