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...

Chrysler Credit Card to Reward Customers with Auto Discounts

Posted by: Lola Thornton  Posted date: April 09, 2011 in Credit Cards Articles
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Customers of Chrysler Group LLC will be able to apply for an automotive credit card program in May that will allow them to receive a number of auto discounts. The program, which will reward customers based on their loyalty to the brand, is being offered through First National Bank of Omaha and MasterCard.

Auto Discounts Offered to Program Participants

In an effort to regain its customer base after its bankruptcy in 2009, Chrysler’s rewards program offers a number of perks. According to a press release issued by the automaker on Wednesday, individuals who become cardholders could receive the following benefits:

  • Earn points: Cardholders will earn three points for every $1 spent on purchases at participating dealerships, two points for travel-related purchases and one point for all other purchases.
  • Redeem points: After points are earned, they can be redeemed for products and services like cash-off of vehicle purchases, parts and services at dealerships. Also,

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Tags: Auto Discounts Discounts Reward Customers

Consumers paying credit cards before mortgages for third straight year

Posted by: Matilda Sprent  Posted date: April 09, 2011 in Credit Cards Articles
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A recent study by TransUnion reported that consumers are continuing their recent trend of making credit card payments before mortgage payments. In fact, this is now the third straight year that this unprecedented consumer payment behavior revealed itself.

This unexpected payment pattern exhibited by consumers over the past three years has many experts confounded and has a direct connection to the recent economic downturn, Sean Reardon, the author of the TransUnion study, said.

“The latest data from our study show that the new payment hierarchy has persisted for longer than many industry experts initially believed, and provides evidence that consumers continue to adjust their payment behavior in response to their economic and personal financial environment,” Reardon said.

The study focused credit card and mortgage delinquency for consumers that had at least one of each product, and examined data between the third quarter of 2006 and the fourth quarter of 2010.

According to the study, data showed that consumers, as a whole, first exhibited the payment pattern of being current on credit cards but delinquent on mortgages – as opposed to vice versa – in the first quarter of 2008. That is

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Tags: Straight Year Third Straight Third Straight Year Year

Bank and Credit Card Issuers Warn Customers of Epsilon E-Mail Breach

Posted by: Lola Thornton  Posted date: April 05, 2011 in Credit Cards Articles
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Banks and credit card issuers are warning customers that millions of e-mail addresses were possibly stolen from an advertising company last week. As a result, customers could receive fraudulent e-mails that attempt to coax their account login information from them.

Major Banks Affected by the Theft

A number of major banks and financial institutions say customers may begin seeing e-mails that try to trick them into providing login information for their bank accounts and credit cards due to a security breach at a Dallas-based e-mail management company called Epsilon.

Some banks that could have been affected by the breach include Barclays Bank, Capital One Financial Corp. U.S. Bancorp and Citigroup Inc. and JPMorgan Chase & Co. Retailers were also affected by the breach, including TiVo Inc., Best Buy Co., Kroger Co., Walgreen Co.

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Tags: Card Issuers Credit Card Credit Card Issuers Customers

Capital One Venture Rewards “Match My Miles” Challenge ends early

Posted by: Matilda Sprent  Posted date: April 04, 2011 in Credit Card News
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Capital One announced today that its “Match My Miles” Challenge for new applicants of its Venture Rewards credit card has ended early.

The Match My Miles Challenge was originally slated to run through May 13, 2011, but Capital One announced today that the one billion mile mark was attained in just 25 days. With the one billion mark reached, the challenge is over.

Capital One originally billed the challenge as a first-come, first-served promotion and stated that the challenge could end early if one billion miles were matched prior to May 13. That statement turned out to be more of a prediction.

The limited-time promotion allowed new applicants for the credit card the opportunity to receive up to a combined 110,000 miles in matched miles and bonus miles. Those who were approved could submit proof of existing miles with another airline mile credit card and get those miles matched – up to 100,000 miles total. In ad

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Tags: Early Miles” Challenge Venture Rewards

A New Academic Study Scrutinizes Credit Score Reporting

Posted by: Matilda Sprent  Posted date: April 02, 2011 in Credit Cards Articles
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A New Academic Study Scrutinizes Credit Score Reporting

The all-important credit score has gained so much significance in our modern lives that a team of researchers from the University of Missouri plan to spend more than a million dollars to study it.

The group of experts was given $1.13 million in grant money by the U.S. Federal Trade Commission, and the educational institution released a statement to the media explaining that the focus of their research is to gain more insight into the how disputes related to credit scores are resolved. Under the Fair Credit Reporting Act – a piece of legislation that attempts to protect consumers from unfair lending practices – anyone who has a credit score is entitled to contest it, ask for errors to be corrected, or block access to their credit history. The study hopes to find out whether the process for resolving problems with credit score is effective and efficient.

They will also study how use of credit is evolving and how the payment habits of consumers impact their credit worthiness and overall financial health. We

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Tags: Credit Score Credit Score Reporting Reporting Score Reporting

Discover and Citibank Zero Percent Limited Time Offers

Posted by: Lola Thornton  Posted date: April 01, 2011 in Credit Cards Articles
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It’s April, but there’s “No foolin” on great zero percent credit card offers through Discover® or CitiBank.

From now through April 30th, apply for one of four credit cards, transfer a balance, and get zero percent interest on that transfer in addition to zero percent on purchases. This limited time offer is for Discover More card, Citi Dividend Platinum Select® MasterCard®, Citi® Platinum Select MasterCard, or Citi Diamond Preferred® Card.

These incredible offers come just in time for the spring projects in the house and in the yard. The terms offered on balance transfers extend for a long enough period to save some major interest while making significant progress on paying down the balance you owe.

Besides the appealing terms on balance transfers, Discover and each of the Citibank MasterCards offer additional benefits to the new account holder. Those perks

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Tags: Offers Zero Percent

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