Often when the term credit card fraud is heard, we think of individuals. No doubt, individuals suffer from identity theft due to credit card fraudulent practices, but these days, the credit card fraudsters are becoming bolder and do not hesitate in stealing away the reputation of businesses, particularly online businesses where payments are usually made [...]
Credit Card FAQs
Q: Which credit card do you want?
Life these days demands that each individual own at least one credit card for ease of financial transactions. Credit cards offer benefits of convenience, safety, time-efficiency and reliability. No wonder all kinds of retail stores, malls and shops accept them readily and to serve this growing credit card market, there are many kinds of them [...]
Q: How can I keep my credit card debt from spiraling out of control over the holidays?
Holiday time presents a challenge for anyone wanting to cut back on their expenses – for a lot of consumers, ’tis the season to overspend. However, there are a few strategies you can employ to make sure you don’t wind up with an overwhelming amount of debt in your stocking. Which, let’s face it, is [...]
Q: What is a virtual credit card number?
Ideal for shopping online, a virtual credit card number is a number that is linked to your regular credit card account that is either good for a single use or for a limited amount of time after which it expires. If a thief or hacker were to get a hold of your virtual number, they [...]
Q: Tips to Compare Different Credit Card Rewards
Deciding which credit card rewards program is the best can be just like comparing oranges to apples. With so many different kinds of credit card rewards available such as cash rewards, points, miles, discounts on services and products, gift cards and airline travel, picking one over the other can be a difficult task. So how [...]
Q: How Often Should I Check My Credit Score?
You should check your credit score three to four times a year. It’s best if it’s spread out in three to four month intervals. Your credit score, if it’s good enough, guarantees entry into some of the most elusive low-interest credit card offers, mortgages and auto loans. So it’s surprising that a recent survey from [...]
Q: How do I ring in the New Year with less debt?
Every year around this time, we reflect on the year that has passed and contemplate ways to make the upcoming year better than the rest. Holiday shopping may have taken its toll on more than a few bank accounts, but the New Year can mean a new start for your finances. Before 2011 is over, [...]
Q: Can student loan debt be handled with a credit card?
College is a time when many young adults acquire a tremendous amount of debt. From taking out government subsidized loans to utilizing private lenders to charging portions of living and schooling costs onto credit cards, the majority of students will have to borrow money in one form or another to fund their post-secondary educational expenses. [...]
Q: How is Credit Card Interest Calculated?
Millions of Americans are in high levels of credit card debts simply because they do not understand credit card interest. If you are one of the many consumers who have no idea how the interest on their cards is calculated, you might have made a couple mistakes when it comes to your credit card usage. [...]
Q: What is skimming?
The crime of “skimming” as it pertains to a credit card refers to the illegal copying of information off the magnetic strip that extends along the back side of a credit, debit, ATM or other payment card. Once the criminals have skimmed the necessary data from a card, they put it onto a fake card [...]
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