Doug Nicholas
I am Doug Nicholas, and I am the senior editor at Credit-land.com. My experience with my first credit card company made me think about writing financial articles to help all cardholders. I worked hard to understand the nuances of credit cards, to be able to share this information with others.
In the past, I’ve worked in Austin and New York as an editor and writer. In my spare time, I’ve done proof reading jobs for books. I’ve taught journalism to University of Texas students as well.
My first experience with a credit card, was when I was working as an assistant for editorial work back in New York. The entry level salary was way below impressive, and affording rent and food was barely possible, let alone upgrading the wardrobe. That is when I applied for my first American Express card, which also marked the start of my relationship with debt. Over the last few years though, I’ve reduced the number of my credit cards, and I’ve learnt to manage credit and debt finances properly. I basically have just one Visa card and a Sears’ card for emergency expenses, and I’ve become quite good at using credit cards to my benefit.
Latest Doug Nicholas's Posts
American Express Tells Cardmembers Where to Go
American Express continues to be at the forefront of the social media scene, this week announcing a new feature called ''My Offers'' on their iPhone App, which will target the best deals for American Express cardholders.
Credit Card Use More Rewarding Than Ever Before
A new research report confirms that rewards cards are more popular today than ever, with many consumers choosing which credit card to use based only on the rewards they will get.
MasterCard PayPass Enters Virtual Wallet Arena
At the CTIA Wireless conference, going on now, MasterCard announces their own virtual wallet solution, PayPass Wallet, which joins the field next to Google Wallet, PayPal, and other virtual payment systems.
Transition Time for HSBC Customers as Capital One Finalizes Purchase
The acquisition of HSBC by Capital One was completed this week; Credit-Land.com provides analysis of what customers of HSBC, Orchard, and Capital One can expect since the finalization of this multi-billion dollar deal.
Soaring Credit Scores Point to Economic Recovery
More Americans are seeing their credit scores climb, as FICO scores between 800 and 850 hit the highest point they`ve seen since the recession.
Prepaid Card Customers Trade Privacy for Rewards in Western Union Plan
Attempting to cash in by collecting information about customers` buying habits, Western Union gears up to offer rewards on their popular prepaid cards - but will customers pay for those rewards with their privacy?
Slick Criminals Sell Stolen Credit Card Data Online
The FBI, in conjunction with the US Department of Justice and SOCA, has shut down 36 websites that were selling stolen credit card information. The websites offered cyber criminals an easy way to sell stolen data to fellow fraudsters.
Phony Website Imagines a Crowdsourced Bank of America
The Occupy Wall Street movement may no longer be in the headlines, but "the 99 percent" are still chugging along, holding big banks feet to the fire. Bank of America is the latest victim of scrutiny as a new parody website takes aim at their policies and practices.
MasterCard Mobile Technology Moving Miles Ahead
Since their first foray into the mobile app market in 2010, MasterCard has developed a host of apps that give card holders multiple innovative ways to pay for purchases. As MasterCard prepares to showcase some of their newest developments at the CTIA Wireless Show in New Orleans, Credit-Land recaps their progress.
Dropping Default Data May Mean Decreasing Debt
In the first quarter of 2012, default rates dropped on all consumer credit accounts except for credit cards, which rose only slightly and are still near recent low rates. State by state, we analyze default rates and what they might mean.
Secure Transactions ''Pushed'' Using New Anti-Fraud Technology
Recent data breaches have caused credit card holders to worry about the safety of their personal information and the possibility of fraudulent charges to their accounts, but new software from South Africa`s Entersekt may ease concerns by alerting cardholders every time a purchase is charged to their Visa or MasterCard.
Seven Lawsuits for Seven Banks as Hawaii Cracks Down on Unauthorized Charges
The Attorney General of Hawaii has filed suit against them seven different banks and credit card companies, accusing them of slapping customers with unauthorized charges and raking in profits from services they never provided.
MasterCard Bites Back as Credit Cards Accused of Hiking Gas Prices
With gas prices still rising across the nation, the blame game is in full swing and credit card companies are the latest to have the finger pointed their way. Are credit cards really to blame for high fuel prices?
Ace Rewards Visa Turns an iPhone into a Credit Card, Instantly
A new app from Ace Hardware turns an iPhone into a credit card when customers apply for an instant-approval Ace Rewards Visa card and receive a secure virtual credit card via iPhone.
Prime Time for the Sub-Prime as Lenders Court New Customers
The segment of the population known as "sub-prime" may be having their prime time as lenders scramble to acquire new customers. Equifax reports that due to eager lenders, even people with less-than-ideal credit history are being approved for new lines of credit.
