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Credit

Your Credit Card Doesn’t Love You

by Luke Landes
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Happy Valentine’s Day! That’s the message from Consumerism Commentary today. By my home office in central New Jersey the mid-50-degree weather is a welcome surprise, and I like sharing my resulting positive attitude. This isn’t today’s message from your credit card company, however. Several people have written to Consumerism Commentary today to let us know ... Continue reading this article…

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SimplyCash® Business Card from American Express OPEN Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. Business owners know that when the work of building a new enterprise is just beginning, it’s not easy. If your great idea takes significant financing and you need help gathering funds, few people are willing to come forward and help ... Continue reading this article…

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Citi® Dividend Platinum Select® MasterCard® Review

by Luke Landes

The offer you are interested in has expired. Read our Citi Card reviews.

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The Best Airline Miles Credit Cards, August 2015

by Luke Landes

As airlines continue to add a variety of fees to compensate for keeping fare prices low to complete with each other, the overall cost to fly is increasing. Adding to the base cost of a flight are fees like fuel surcharges, checked baggage fees, and in-flight fees for food, drinks, headphones and pillows. Some airlines ... Continue reading this article…

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Citi® Platinum Select® MasterCard Review

by Luke Landes

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

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Ink Cash Business Review

by Luke Landes

If you’re a small business owner needing credit, you may want to consider a small business credit card for your everyday purchases. Not only will you be able to itemize your expenses in just a few minutes, but the money and rewards that can be earned by utilizing your small business credit card could keep ... Continue reading this article…

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Mobile Payments Could Be the End of Credit Cards

by Luke Landes
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In my wallet, plastic is king. I use my credit card for almost every transaction, though in rare cases I still go for cash. Like many others in this country and around the developed world, I also carry my cell phone around with me everywhere I go. Cell phone technology is progressing quickly, and this ... Continue reading this article…

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The Best Prepaid Debit Cards, August 2015

by Luke Landes

Prepaid debit cards have always been a controversial topic, particularly the cards that carry insanely high fees just for making everyday purchases. Suze Orman’s entry into the prepaid card business, the Approved Card, prompted heated debate about whether it represented a conflict of interest, given Orman’s following. In 2010, after the Kardashians announced their branded ... Continue reading this article…

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Discover® More Card: No Balance Transfer Fee, 0% APR

by Luke Landes

When you take a look at our list of the best 0 percent balance transfer credit cards, you’ll notice that all offers are featuring balance transfer fees these days. Whether it’s 3 percent, 4 percent or 5 percent, every time a consumer takes advantage of a 0 percent balance transfer offer, the credit card issuers still make money by charging ... Continue reading this article…

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Credit Card Rewards Hurt Your Bottom Line

by Luke Landes
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I’ve been a proponent of cash-back rewards credit cards for a while. My theory, or perhaps my excuse, is that if I plan on spending money and can do so with either cash or a credit card that offers rewards, I might as well use the rewards credit card to damage my bottom line less ... Continue reading this article…

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PenFed Platinum Cash Rewards Visa Card offers 5% cash back on gas paid at the pump

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. As the offers on cash back credit card continue to increase, consumers who use credits cards should make sure theirs is one that allows them to save the most amount of money possible. Whether it’s a great APR, a long ... Continue reading this article…

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PenFed Promise VISA Card Review

by Luke Landes

Whenever you make a purchase with your credit card, the wise move is always to pay off the purchase before the bill is due to avoid interest charges and late fees. If you know that won’t be possible in the short-term, the best thing you could do is keep your interest payments low by choosing ... Continue reading this article…

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Big Savings for Small Businesses and Shops on Swipe Fees

by Luke Landes

Last week, the Federal Reserve Board announced two proposals for limiting the fees paid to transaction processing companies. MasterCard and Visa would be the most affected if either of these new proposals, set into motion by the Dodd-Frank Wall Street Reform Act, are put into effect. Small businesses and shops that accept debit cards stand ... Continue reading this article…

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Citi® Platinum Select® Card 24 Month 0% Balance Transfer

by Luke Landes

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

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When Doing the Right Thing Hurts (Your Credit)

by Luke Landes

It’s been many years since I’ve paid interest on a credit card balance. I don’t think I’ve missed a payment, either, thanks to automatically scheduled transfers from my checking accounts. I know that many regular Consumerism Commentary readers are like me, as well, and rarely pay a fee that’s unnecessary. (Keep in mind I recently ... Continue reading this article…

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The Plum Card® from American Express OPEN 1.5% Early Pay Discount

by Luke Landes

Small businesses often rely on credit to survive through the early stages. Unless you’re independently wealthy with money ready to invest, getting a small business off the ground requires a lot of hard work. The money is often provided by banks willing to back your business. Without collateral for a loan, many start-up entrepreneurs are ... Continue reading this article…

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Citi ThankYou℠ Premier Card $200 Gift Card Bonus

by Luke Landes

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

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Sony Card From Capital One $50 Gift Card

by Luke Landes

The holiday season is one of the best times to hold a rewards credit card and it’s quickly approaching (again). The Sony Card from Capital One is a good example of this. Each year around the holidays, Sony bumps up their credit card offer and this year they’ve done it again. Today, The Sony Card ... Continue reading this article…

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Get Your Free Credit Score With IDENTITY GUARD®

by Luke Landes

If you’re looking to obtain a copy of your credit report, your first choice should be to visit the website AnnualCreditReport.com. As I mentioned this morning, every American is entitled to three free credit reports, and this is the only website that allows you to view these credit reports for free. Once you’ve exhausted your ... Continue reading this article…

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Discover Open Road Card Review

by Luke Landes

The offer you are interested in has expired. Read our review of the best gas credit cards.

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