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Citi Simplicity Card Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. The most popular feedback I receive when reviewing cards pertains to fees. Most users seem to be allergic to annual fees, balance transfer fees, and others, regardless of the quality of the rewards program or bonus offer. Even when the ... Continue reading this article…

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Put Your Credit Card on Ice

by Luke Landes
Ice cubes

One of the most popular suggestions for people trying to cure themselves from overspending with credit cards is to freeze credit cards in a block of ice. It’s a cute approach to removing the temptation to overspend. It’s a fun concept to consider. You can make an event out of the freezing process. Invite your ... Continue reading this article…

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Chase Freedom $100 Bonus Cash Back

by Luke Landes

For the last six months, potential credit card customers have been courted by companies offering bigger bonuses and better offers. Different customers look for different things when choosing to sign up for a new credit card, whether it’s a 0 percent introductory interest rate, a lucrative rewards program, or thousands of miles to use on a ... Continue reading this article…

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$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

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. 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 ... 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 Review

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 on purchases 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, ... 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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