Surviving in the world...

Surviving in the world of credit cards

Now we, customers, play a game ‘who have a better credit score’. It looks like that having a credit score is a point of pride rather than...

Some necessary researc...

Some necessary researches before getting rewards credit card

You decide to choose a credit card? OK, at first make a research to find the best variant for you. Before you request one of cards, you should be...

Advantages of reward c...

Advantages of reward credit cards

Of course, you think about worth and convenience of using a retail credit card so that when you buy something at this shop and you see something you...

A good credit history ...

A good credit history it’s very easy

Credit cards are convenient and can certainly help you to settle a good credit history, when you are young. And the good credit history is very...

Americans’ Plans for 2010 Income Tax Refunds

Posted by: Lola Thornton  Posted date: June 22, 2011 in Credit Cards Articles
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According to MSN Money, approximately 75% of Americans are receiving an income tax refund. The IRS states that the average refund is $3129, which is a much higher average than even a decade ago.

So what is the average American doing with all that extra cash? Surveys conducted by the banking industry indicate a good share of Americans plan to save their tax refund while a smaller percentage will use their refund to pay off debt. The majority of Americans, however, tend to view their income tax refund checks as a sort of windfall and plan on spending the cash.

Considering the depressed, or a least extremely recessed, economy of the last few years, it’s not surprising that many Americans are contemplating sticking a little cash away for a rainy day. In fact, many financial gurus suggest that every family should establish an emergency fund with enough easily accessible cash to cover at least three to six months of living expenses. I

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Tags: Income Tax Tax

A Guide for Citi Data Breach Victims

Posted by: Matilda Sprent  Posted date: June 22, 2011 in Credit Cards Articles
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On the heels of several other large security breaches, including one involving Gmail and another concerning Sony’s PlayStation Network, comes the hack of Citi’s credit card servers. Thousands of users’ information was compromised, forcing Citi to send out tons of new credit cards. Below are some key facts about the leak, followed by important information for those that were affected.

  • 360,000 accounts, including ones that were already closed, were potentially accessed
  • 217,000 new credit cards were issued
  • About 1% of Citi’s customers were affected
  • Names, account numbers, and contact information were obtained
  • Social Security numbers and card security codes were not
  • Debit card information was reportedly not accessed either

How Do I Determine If My Account Information Was Leaked?

The answer is, you don’t have to. Citi will (and already has, in most cases) notify you. If you ha

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Tags: Breach Breach Victims

Leasing vs. Buying a Car

Posted by: John Freycinet  Posted date: June 21, 2011 in Credit Cards Articles
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If you are in the market for a new car it is important that you check out all of your options. For example, how do you feel about leasing a car as opposed to buying it? Asking yourself this question may open up a whole new world of possibilities for you if you feel comfortable leasing a new vehicle. (Here’s some information: Leasing vs Buying) Regardless of whether you are interested in leasing or buying there are few things that you have to get straight in order to get the best deal possible.

Make sure that you are not too eager when you walk into the car dealership. Salesman can smell an eager buyer coming from a block away. Once they know you are interested in leaving with a new car that day it will be difficult for you to get the best deal possible on a purchase, or lease, price. This is simply human nature. Instead, make sure you act ordinary while looking at the cars and ask questions regarding each make and model.

It is even a good idea if you mention that you might consider a lease. S

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Tags: Buying Car Car

Off the Chart Credit Card Art

Posted by: Lola Thornton  Posted date: June 20, 2011 in Credit Cards Articles
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Credit cards have a lot of power in the art world. Of course, you can use a credit card to purchase art from a gallery. Some credit cards benefits will even give you free admission to an art museum over the weekend. And a few credit cards designs are so cool; they can be considered their own works of art.

However, have you ever thought about creating your own thing of beauty using your expired credit cards?

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Tags: Art Credit Card

Citi Simplicity Card says no to late fees

Posted by: Matilda Sprent  Posted date: June 20, 2011 in Credit Cards Articles
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The Citi Simplicity® Card – is it representing the evolution of credit card offers post CARD Act? Or are the terms and conditions of this particular credit card offer simply speaking to the consumer instead of responding to new regulations?

These are questions that probably have no exact answer but are interesting to ponder in light of the changes that have taken place in the credit card industry the past few years.

The Credit Card Accountability Responsibility and Disclosure Act (CARD Act of 2009 put into law a number of consumer-friendly regulations that focused primarily on how credit card issuers imposed fees and rate hikes. Among the new rules in the CARD Act are those that put limits on fee amounts and also

The Citi Simplicity Card addresses a number of these issues by offering consumers a credit card that has no late fees and no interest rate hikes as a result of missed payments or over-limit transactions.

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Tags: Card Citi Simplicity

Google Wallet Application Lets Phone Act as Credit Card

Posted by: Lola Thornton  Posted date: June 20, 2011 in Credit Cards Articles
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Google announced in a news conference on Thursday its release of a new application that will allow Android smartphones to act as credit cards. The application is called Google Wallet and will integrate credit or debit cards, loyalty cards, gift cards and others into a single application.

How Google Wallet Will Work

According to Google, the application will only work with Android phones from Sprint Nextel that have wireless chips built into them for tap-and-pay. The phones with the near-field-communications (NFC) chips built into them will have a special sticker on them. Older Android phones will be able to have the chip installed.

While Android owners will be able to use the phones in 311,000 stores worldwide that have installed MasterCard terminals, the phones are currently only being offered in New York and San Francisco for now to test the market more accurately.

Application Security and Fraud Concerns

When Google originally announced its plans to release the application in Nov. 2010, c

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Tags: Card Credit Card Google Wallet

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