As the economy begrudgingly makes its slow climb back to respectability, many Americans are forced to swipe their credit card when bills come due and expenses cost more than what is available at the bank and even forced to file bankruptcy protection. It’s possibly more important than ever to have a solid credit score. However, [...]
Imagine having a credit score in the 800 range. You may be saying to yourself that obtaining an 800 on your credit report is equivalent to telling your boss how you really feel about him or her and then getting the promotion you’ve been trying to land for years; it just isn’t happening. As liberating as it [...]
According to The Wall Street Journal, J.P. Morgan Chase will begin selling prepaid debit cards in an attempt to generate revenue. The report comes months after consumers acted to disallow several large banking institutions from implementing monthly fees to their checking account-linked debit cards. J.P. Morgan Chase will be unveiling the new prepaid debit cards [...]
Stay-at-home moms are having a tough time getting approved for credit cards after the Card Act bill was passed in to law in 2009. The law originally was to protect consumers from litigious maneuvers to extract more money by way of fees as well as prevent consumers from racking up too much credit card debt. [...]
American credit card users, feel free to pat yourselves on the back. The delinquency rate on credit cards dropped in the first three months of 2012, as compared to the last three months of 2011, according to a report from Market Watch. The national delinquency rate, which is measured by collecting data on the number [...]
The ever-looming tax day has come and gone and you may be left with questions regarding your tax return if you were lucky enough to receive one. Should you deposit that money into your checking account and spend it at will or should you use all, or part of the refund to pay down existing [...]
The first quarter of 2012 has seen consumer borrowing rise while credit card spending continues to decline. According to The Federal Reserve, consumers increased borrowing by $8.7 billion to extend the trend to a sixth straight month. Between January and March of 2012 credit card borrowing fell by $5 billion. The Federal Reserve report excludes [...]
An interesting new study discovered that women tend to pay more for their credit cards than men do, and the disparity is often fairly substantial, according to a recent report from ABC News. The difference has been noted before by other researchers, but the trend shows little sign of stopping, and some believe that the [...]
American college students are increasingly burdened by heavy credit card debt, and their difficulties may portend wider problems with consumer debt in the United States, according to a recent report from Fox Business. In addition, a recent survey discovered that college students are shockingly unaware of the dangers of taking out too much credit debt, [...]
In response to a federal court ruling last year, the Consumer Financial Protection Bureau is reversing a rule that was enacted to set caps for fees associated with opening a new credit card account . According to CNN, in 2009 congress passed laws that limited fees credit card companies can put on customers known as [...]
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