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Do you know your credit card debt?
[December 16th, 2011]
A recent study done by the Federal Reserve Bank of New York found that credit card holders often perceive they have less debt than they actually do. The study found that the average household believes they hold about $4,700 of credit card debt – just two-thirds of the amount that credit cards say they are [...]
Continue reading ››Florida Elderly Subject to Time Share Scams
[October 26th, 2011]
Florida is know for having a high rate of retirees, and because of their age and often thick bank accounts, these senior citizens are becoming the target of unfair credit practices in the state. And it’s regarding one of the things they hold dearly – their vacation time.
The elderly are becoming victims to Vacation Time [...]
Credit cards for people with bad credit to repair their scores
[August 31st, 2011]
Almost every person in the world today has banks falling over themselves offering credit Cards of every imaginable kind – Gold, Silver, Platinum. The customer is spoilt for choice. But, on the other hand, there are some people who, due to irresponsible spending or just plain bad luck, have a poor credit rating. How do [...]
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Refrain from closing your oldest credit card
[August 10th, 2011]
In an effort to reduce their debts, many customers in the United States are closing their cards and transferring their debts on to other balance transfer cards available in the market today. However, this does not seem to be the wisest thing to do. Closure of the cards that you are holding on to for [...]
Card issuers are now trying to push cards with higher interchange fees
[July 27th, 2011]
Last week Congress paved the way for bigger cuts with regard to debit card interchange fees. This will take effect this summer. According to the latest data regarding revolving credit and payment card usage, the credit card and debit card issuers are now trying to get the maximum out of the interchange fees, while they [...]
Credit unions offering better deals on credit cards
[July 14th, 2011]
If you are looking for good credit card deals in the market, then it is worth looking at the various offers being rolled out by various credit unions in the country. The Pew Safe Credit Cards Project which conducted a study of the various credit cards being offered by banks across the country also conducted [...]
Beware while paying using credit cards
[June 29th, 2011]
As per the data available with the US Census Bureau, over 70% of the people in the United States have credit cards. One of the main reasons for people to get into debt traps is unrestrained use of credit cards for something that is totally avoidable.
The Director of Family Services, in an effort to curb [...]
Prestigious credit cards increasing travelers’ perks
[June 16th, 2011]
The competition in the credit card industry is just getting hotter by the day. With American Express adding on more features to their existing cards and CitiGroup launching two new credit cards in the market, the competition just got fiercer. Though the credit card industry is tightening its norms and increasing certain fees, the improved [...]
Processing secrets small business owners should be aware of
[June 3rd, 2011]
In today’s world, customers rely more on debit and credit cards as compared to cash or check that were the most used in the past. There are as many pitfalls of using credit cards as there are advantages. This has put many business owners and retailers in a fix since they either need to adapt [...]
Non-compliance of credit card security by 67% of the companies
[May 20th, 2011]
PCI DSS or the Payment Card Industry Data Security Standard is basically meant to safeguard cardholder data and yet around 67% of the PCI-regulated companies do not comply with these standards completely.
These key findings are from a survey conducted by Ponemon Institute and sponsored by Imperva who is the data security vendor.
There might be an [...]
Student debt towers over card debt
[May 5th, 2011]
The rising competition in the field of education and the ever increasing costs in this sector have led to a steep increase in student loans. Student loans are now so huge that for the first time in the history of the country, they have surpassed the total credit card debt in the country. With an [...]
Interest rates on credit cards set record by staying steady for four straight weeks
[April 21st, 2011]
The interest rates of credit cards have remained stable for the last four weeks without any fluctuations. However, this does not imply that the credit card issuers did not increase the interest rates over the last few months. The national average rates went up from 14.35% six months ago to 14.65% four weeks back and [...]
Consumers prefer paying the credit card debts over mortgage payments
[April 12th, 2011]
The trying economic times is making customers make a tough choice between credit card dues and mortgage payments. Before economic recession struck a couple of years ago, Americans ensured they made their mortgage payments on schedule ahead of all other payments. However, today, this trend seems to have changed. As per the reports from TransUnion, [...]