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Credit

Balance Transfer Cards for Fair, Average or Excellent Credit

by Richard Barrington

[Editorial note: This offer was last updated on July 13, 2016.] Are you still wrestling down holiday debt? Zero-interest balance transfer credit card offers can help you meet this challenge, but only if you know what to look for. Otherwise, you will end up paying interest anyway, which is exactly what the credit card companies […]

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5 Reasons Why New Chip Credit Cards Won’t Reduce Fraud

by Luke Landes

Banks in the United States are undergoing a major transformation in credit card technology, a process similar to the one Europe successfully completed several years ago. Despite the technological advances in mobile payment that have already rendered plastic cards obsolete, the financial industry wants to replace every magnetic stripe credit card in every wallet. When […]

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Three Overlooked Tools for Repairing Credit

by Luke Landes

This is a guest article by Neal Frankle. Neal is a Certified Financial Planner® in Los Angeles. He is also the senior editor for WealthPilgrim.com, MCMHA.org and CreditPilgrim.com. Your credit report is like a financial passport. If it’s clean you’ll find the doors to the financial world wide open. Your credit journey will be carefree […]

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5 Questions Before Applying for a New Credit Card

by Luke Landes

Since the credit crunch in the midst of the latest recession, credit card solicitations have seen a significant increase. Unless you’ve opted out, and good luck with that, you’re probably getting junk mail from credit card issuers with invitations to apply for the latest credit card offers. Don’t get too excited, especially if you have […]

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Why Most Millennials Don’t Have Credit Cards

by Luke Landes

According to a new survey, 63 percent of Millennials own no credit cards. For this poll, the Millennial generation is defined as those in the United States aged 18 to 29. The survey, put together by BankRate, attempts to get to the root cause for the lack of penetration of credit cards among this younger demographic, […]

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FICO Score 9: Fair Isaac Changing Credit Score Algorithm Again

by Luke Landes

FICO Score 9 is an improvement over FICO 08, and may be more consumer friendly and fair. But will it have any overall effect for consumers?

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How United’s Frequent Flier Program Change Affects Travelers

by Luke Landes

United Airlines is making significant changes to its MileagePlus frequent flier program. Here’s how your points will change.

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5 Reasons to Avoid Cash Back Rebate Cards

by Luke Landes
American Express Prepaid Rebate Card

At the end of last year, I took advantage of a sale on some photography equipment. I perceived the deal to be good, and after contemplating the purchase for some time, I decided to go ahead. The sale price was manipulated through the offering of a manufacturer’s $300 mail-in rebate after a retailer’s discount of […]

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IberiaBank Visa Select Credit Card Review

by Joe Taylor Jr.

To most Americans, Louisiana means great music, good food and some crazy Super Bowl moments. However, keen observers of the credit card industry also know Louisiana as the home of Iberiabank, a solid regional lender that’s been chugging away in cities like New Orleans and Lafayette for more than 125 years. An early adopter of […]

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Online Shopping: Credit Card or Debit Card?

by Luke Landes

The conclusion begins this article. If you’re shopping online, it’s better to use your credit card, not your debit card, in almost all cases. For someone just beginning to focus on improving one’s finances, this seems to be the wrong conclusion. After all, in theory, with a debit card you can spend only what’s in […]

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