• US Census 2010 for International Students

    Updated: 2010-06-30 21:18:23
    April 1st 2010 is National Census day in the USA, and the day that the US Census Bureau encourages everyone to mail in their completed forms. If you are not familiar with the US Census, it runs every 10 years and is designed to count every resident in the United States, and is required [...]

  • Low Cost International Calls in the UK

    Updated: 2010-06-30 21:18:23
    For students who are going to study/ travel or live in the UK, making sure you have access to an international calling solution from the UK will save you a lot of money! No expensive roaming charges, and quick/ easy access to call your family and friends whenever you want to. Thanks to our iCallAbroad UK [...]

  • International Student Concierge Service

    Updated: 2010-06-30 21:18:23
    InternationalStudent.com is proud to launch its new International Student Concierge Service, dedicated to helping international students all around the world with finding and researching schools and evaluating your education options. The new, totally free service, allows you to submit your details which will be sent to schools all around the USA who are interested and looking [...]

  • Indian Students Struggling to get Tuition Back

    Updated: 2010-06-30 21:18:23
    Thousands of Indian students are struggling to get their prepaid tuition refunded from Australian schools and colleges. The situation has come to light following the collapse of colleges and a clamp down of the Australian immigration system. As we reported earlier this year, there were a number of high profile attacks on Indian students in [...]

  • Writer stumbles into Egypt's tomb of the lost ATM cards

    Updated: 2010-06-30 21:18:23
    I've traveled from Bosnia to Bali to Boston, and many points in between, and this month's trip to Egypt was the first time I've ever had my bank card eaten by an automatic teller machine. It was a stifling hot night in Luxor, and all I wanted to do was grab some cash at the ATM across the street, run back to the coolness of the hotel, and pick up some souvenirs in the gift shop. I inserted my ATM card, and watched it disappear into the bowels of the machine -- never to be seen again. Thus began my adventure with Egypt's tomb of the lost ATM cards.

  • My personal "Background Check" blog an editor's pick in Money Hackers carnival

    Updated: 2010-06-30 21:18:23
    With a recent background check performed on my name, I uncovered records of criminal activity and marriages -- for other Jeremy Simons. Those results became the basis for my recent blog post, "Background Check Alerts Me to Surprising Criminal History," which was even more recently included in the latest Money Hackers blog carnival. Carnival host Engineer Your Finances chose "wedding and marriage" as the carnival's theme and chose my blog post as an editor's pick. Apparently, my decision to perform a background check got him thinking, "Should I check out my fiancee's record? ...or maybe even my own!"

  • UNFCU to launch first U.S. chip-and-PIN credit card

    Updated: 2010-06-30 21:18:23
    . Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email UNFCU to launch first U.S . chip-and-PIN credit card Emily Starbuck Gerson May 21, 2010 New , interesting products Longtime readers know that I travel often and have encountered many issues with credit cards and problems with money abroad . Most European countries now use chip-and-PIN credit cards , which involve an extra layer of security . They are processed differently and use different card readers . While many institutions in Europe are still set up to accept payments from both old-school magnetic swipe cards and new chip-and-PIN cards , some don't . For example , two summers ago in Paris , I

  • Emily's list: Facebook privacy edition

    Updated: 2010-06-30 21:18:23
    : Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email Emily's list : Facebook privacy edition Emily Starbuck Gerson May 28, 2010 Living with credit Chances are that a majority of people you know are on Facebook . I signed in up in college on the day it was released to the University of Texas students the site started off as something for Ivy League students only , but then trickled to all other colleges , then high schools , then the general public . It has ballooned into an international behemoth with more than 450 million users , according to CNN.com While more members means you have more friends , family and colleagues to connect with online , it also

  • Emily's list: Summer vacation edition

    Updated: 2010-06-30 21:18:23
    : Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email Emily's list : Summer vacation edition Emily Starbuck Gerson June 18, 2010 Living with credit Ah , summer vacation . Despite this never-ending recession , many of us plan or hope to catch some rays at the beach , go on a road trip , squeeze in some adventure travel or just unwind out of . town This week , CNN Money released a list of five global tourist spots in major turmoil right now . All of these cities have weathered some sort of disaster , and their tourism industries are hurting . While it's unfortunate for the places that are affected , my guess is that if you're looking for some good travel

  • Emily's list: Save your pennies edition

    Updated: 2010-06-30 21:18:23
    : Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email Emily's list : Save your pennies edition Emily Starbuck Gerson June 2, 2010 Living with credit I don't know what I signed up for , but in the past few weeks , I have been assailed with snail mail asking me to contribute to a various humanitarian and relief efforts across the world clean water , dying animals , homeless people you name it . I had a different topic in mind for this week's roundup , but then I came home yesterday and checked my mail . Yep , another piece of fundraising mail . This one was in a regular-sized envelope but was strangely heavy and textured , so I decided to open it . It's

  • U.S. proposes creating an 'identity ecosystem'

    Updated: 2010-06-30 21:18:23
    . Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email U.S . proposes creating an identity ecosystem' Tyler Metzger June 28, 2010 Research , regulation , industry reports As the Internet grows , so does the amount of sensitive data floating around . Day after day , hundreds of thousands of usernames , passwords , dates of birth and yes , even credit card numbers drift around somewhere on this crazy thing we call the Internet . And as those numbers grow , so does the risk of that data falling into the wrong hands . So the U.S . government , the ol' watchdogs they are , wants to improve the security of your online information by creating an identity

  • CreditCards.com: The EP

    Updated: 2010-06-30 21:18:23
    : Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email CreditCards.com : The EP Tyler Metzger June 2, 2010 Credit card miscellany We keep it real at CreditCards.com , and that's something I like to flaunt . We got tricked-out cubicles , doubled-stacked Google listings and a kitchen full of mad-legit noms . So mad-legit , in fact , that my co-worker and I decided to write a song or two about our . employment To your right , you'll see the very first CreditCards.com EP . For those who don't know , EP stands for extended play , and contains more songs than a single , but not as much as a full-length album . Generally an EP as one really good song and one

  • Americans need chip-and-PIN cards for overseas travel

    Updated: 2010-06-30 21:18:23
    Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email Americans need chip-and-PIN cards for overseas travel Emily Starbuck Gerson June 23, 2010 Living with credit Nearly two years ago , I blogged on this site about some of the financial challenges I faced while on a two-week trip in Europe . Other than pay toilets and the large minimum amount required to use a credit card , an issue I frequently encountered in France was the lack of acceptance of American credit cards on the metro ticket machines . Chip-and-PIN cards , which are popular in Europe , hold a very special place in Emily's heart . If you wanted to buy a bus , subway or train ticket from one of

  • Emily's list: Resisting the urge for an iPhone 4 edition

    Updated: 2010-06-30 21:18:23
    : Living with credit 299 New , interesting products 76 Research , regulation , industry reports 193 Rewards 29 Protecting yourself 126 The fine print 45 Credit card miscellany 318 Print Email Emily's list : Resisting the urge for an iPhone 4 edition Emily Starbuck Gerson June 11, 2010 Living with credit On Monday , Apple CEO Steve Jobs made a much-anticipated presentation at the Worldwide Developers Conference in San Francisco : He announced the birth of the iPhone 4, which will become available to consumers June 24, according to CNET The original iPhone was released in 2007, but the new fourth generation puts that model to shame . It'll be be 24 percent thinner , have a longer battery life and have a camera lens on the front to enable video conferencing . The 5 megapixel camera will also

  • The Beginning of a Return to Consumer Protection?

    Updated: 2010-06-30 19:58:25

  • Verizon Communications (VZ) May Carry iPhone Next Year? (Apple Inc AAPL - AT&T Inc T)

    Updated: 2010-06-30 18:44:20
    Check out the chart on Wall Street Memo showing what happened when a rumor spread yesterday that Verizon Communications Inc (VZ) may begin selling the iPhone 4 in 2011 -- the stock briefly spiked, before going back down. Also look at how this news affected rival AT&T Inc (T), which is the exclusive mobile carrier for Apple's iPhone in the U.S. Apple Inc (AAPL) has seen strong sales of its new iPhone since the product launched on June 24; it sold 1.7 million units worldwide in just the first three days. For entertainment purposes only; market predictions provided may be...

  • More Americans paying down credit card debt, report shows

    Updated: 2010-06-30 13:17:33
    According to a new report, it appears that more Americans are focusing on paying down their credit card debt to build a stronger financial future. The study - conducted by money website BillShrink - reveals that 67 percent of consumers now pay their credit card bills in full each month, in contrast to the 43 percent that reported full payments in June 2009. This year's figures represent a 24 percent increase.

  • Lenders give away free cell phones to mortgage defaulters to maintain contact

    Updated: 2010-06-30 05:16:44
    In an effort to facilitate the mortgage loan modification process, lenders are trying out a new initiative with borrowers to increase communication. Lenders have now begun mailing free cell phones to distressed homeowners who are having difficulties contacting in the hopes that the consumers will call them back and arrange for assistance, according to the Financial Times, a UK newspaper.

  • Boosting a credit score in just a year

    Updated: 2010-06-30 05:16:43
    Every consumer's goal should be to improve their credit score. Doing so will grant them access not only to easy approval for loans from all kinds of lenders, but will also lead to the lowest possible rates on anything they borrow.

  • Weird, BP plc (BP) Stock Has A Very Good Day (For Once)

    Updated: 2010-06-30 04:43:46
    Looks like multinational oil giant BP plc (BP) fared surprisingly well today, despite a nosedive in stocks overall: "The Dow today fell by as much as 326 points, before closing down 268 points. But one unlikely winner emerged... BP plc (BP)." Check out the accompanying chart right here. BP's ADR stock on the New York Stock Exchange finished up today 2.29%, to close at $27.67 per share. For what it's worth, I sold my shares of BP at around $47 and change, and encouraged Outlaw readers to do the same. Looks like that was a pretty sound call! For entertainment...

  • Prepaid credit cards rise in popularity, report shows

    Updated: 2010-06-29 21:16:09
    More Americans are leaning towards prepaid credit cards while many struggle to pay down debt and seek employment. According to Cardbeat - a market research report published by Auriemma Consulting Group - gift cards carrying a network brand, such as MasterCard or Visa, are quickly becoming the most popular form of prepaid credit cards.

  • Report shows consumer spending and personal income increase in May

    Updated: 2010-06-29 21:16:08
    Americans may be slowly improving their financial situation, new data from the U.S. Department of Commerce suggests. According to a report released Monday, consumer spending - a key indicator of economic health - increased by 0.2 percent in May after giving a flat reading in April.

  • Private student loans overhauled in Wall Street reform

    Updated: 2010-06-29 21:16:08
    Among the many changes that will come out of the Wall Street reform bill upon which Congressional leaders finally agreed last week is an alteration to the way in which private student loans are given out and collected.

  • Know the steps to purchasing a foreclosure before beginning the process

    Updated: 2010-06-29 21:16:07
    Many homebuyers consider purchasing homes that are listed on the market as the result of a foreclosure. However, the process of purchasing a foreclosure is not as open and shut as Americans may think and consumers may benefit from understanding the process before jumping into it.

  • Five states get access to federal foreclosure-prevention funding

    Updated: 2010-06-29 21:16:06
    The five states that have been hit the hardest by the downturn in the housing market will now receive access to a huge federal fund to help them prevent further foreclosures.

  • The Perks of American Express Credit Cards

    Updated: 2010-06-29 21:15:59
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison The Perks of American Express Credit Cards June 29, 2010 American Express credit cards are not be as widely accepted as Visa or Mastercard which is why this should not be the only card in your wallet just in case you find yourself in a situation where it is not accepted . But owning one can still give you a lot of benefits that you can enjoy . Although some people may choose other cards rather than American Express because of this issue , having this card can put on more weight on your credit card . portfolio American Express credit cards allow consumers to have an additional of up to five cards which they can share with their family members . You will pay only a one-time fee

  • Impressive, Mr. Jobs: Apple Inc (AAPL) New iPhone 4 Sales Over 1.7 Million Already

    Updated: 2010-06-28 13:19:45
    Steve Jobs knows what he is doing! When he's not busy personally replying to obnoxious bloggers via his email account at 3 a.m., the Apple Inc (AAPL) chief exec creates products that no consumer -- even cash-strapped, creditless American consumers -- can resist: Since going on sale in the United States, the iPhone 4 has reportedly "sold over 1.7 million iPhone 4s after three days of its launch on June 24. Apple chief executive officer Steve Jobs said the launch was the most successful in the company's history. The online Apple store is now showing a ship time of 3...

  • Is Insurance Necessary?

    Updated: 2010-06-28 02:58:18
    Sure, there are times when it makes sense to get insurance. But Yahoo! Finance has a good piece on the 15 kinds of insurance that are, more often than not, just unnecessary. These types of insurance include: 1. Extended warranties. Very expensive, and often redundant (the manufacturer's warranty covers the vast majority of problems). 2. Flight insurance. To put it bluntly, if you die in a plane crash, your life insurance policy will likely already cover that. 3. Credit card insurance. "Purchasing coverage to pay your credit card bill in the event you cannot pay it is a waste of...

  • Welcome to Henry Sommer

    Updated: 2010-06-28 00:57:33

  • Study shows that despite knowledge in personal finance, most Americans still making poor financial decisions

    Updated: 2010-06-27 16:09:00
    More often than not, education can help individuals improve their habits. This may not be the case when it comes to money management decisions, according to a recent study conducted by Lending Club, a renowned peer lending network. It appears that while knowledge surrounding personal finance issues has increased, Americans are doing little to change poor financial habits.

  • Student Credit Cards: The Perils of Abusing your Card

    Updated: 2010-06-27 16:08:56
    : Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Student Credit Cards : The Perils of Abusing your Card June 27, 2010 Having your own credit card while you are still in school can make you feel so grown up and responsible for your finances . Student credit cards are structured to fit the financial lifestyle of students . However , not everybody is responsible in using these cards . Some students get tempted to purchase things that they know they cannot afford and before they know it , they have already maximized the limit on their cards . In the end , they have problems paying their bills on time and eventually find themselves swimming in debt . If you have rich parents willing to take care of the bill , then good for you

  • Morgan Stanley settles on subprime loan probe

    Updated: 2010-06-26 16:06:50
    Investment giant Morgan Stanley agreed to pay millions of dollars to the state of Massachusetts to end an investigation into its role in loaning billions to a company that gave mortgages to unqualified borrowers.

  • More 'underbanked' Americans utilize prepaid credit cards

    Updated: 2010-06-26 08:06:06
    Given the growing number of underbanked individuals - those that turn away from traditional banking products such as debit and credit cards - more banks are considering tapping into more alternative products, such as prepaid cards, in an effort to reach out to this demographic. Current figures reveal that 43 million Americans are considered underbanked, according to market research and consulting firm MarketsandMarkets.

  • Student Credit Cards: How to get the Right Deal

    Updated: 2010-06-26 08:05:59
    : Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Student Credit Cards : How to get the Right Deal June 25, 2010 It is exciting when you get to do things the first time . However , when it comes to finding the best deals in credit cards for students this can leave you confused if you do not know what to look for in the first place . You might end up with a deal that will not work for you and will just be a cause for headaches . Or , if you are one of the lucky few , you can manage to snag a good deal . Still , there is always that chance of getting more . We cannot be expected to do it right the first time but it helps if you do some research first , like with credit cards . There are so many student credit cards in the

  • Nationwide mortgage rates tumble to all-time lows

    Updated: 2010-06-25 02:27:36
    Mortgage rates across the country fell once again this week, and all but one type of rate set a record for all-time lows.

  • Fannie Mae clamps down on those who walk away from their mortgages

    Updated: 2010-06-25 02:27:35
    A growing trend among homeowners whose houses have decreased in value to the point that their mortgage costs more it's worth is to simply walk away. Now one mortgage giant is fighting back.

  • Women and their Money

    Updated: 2010-06-24 18:27:07
    If you're so smart, why aren't you rich?" goes the saying. Why not, indeed? Presumably, intelligence, enhanced by a good education, plus hard work, leads to solid prosperity.

  • Delaware Remains the Haven for Card Issuers

    Updated: 2010-06-24 14:00:40
    Home Credit Cards Blog Credit Card News Delaware Remains the Haven for Card Issuers Delaware Remains the Haven for Card Issuers Thursday , June 24th , 2010 The state of Delaware has held great significance in the history of the credit card industry . Many of the major banks and credit card companies have either started roots in Wilmington Delaware or relocated to the state to reap the many benefits that have been afforded to the credit card industry over the years . The state of Delaware continues to impact rules , regulations and legislation in the industry . It has long been known as a haven for banks and card issuers , in part because of their flexible laws , liberal interest rates and low . taxes Despite the new credit card regulations , Delaware still has a great deal of control over

  • Government hopes to unveil new Office of Financial Literacy to help consumers improve personal finances

    Updated: 2010-06-24 10:26:19
    As Americans struggle to rebound from the subprime mortgage crisis and subsequent recession, the government has become aware of how little consumers may understand regarding financial matters. Currently, Congress is working out the details of a new initiative aimed at better educating citizens regarding money management and overall financial literacy, according to the Wall Street Journal.

  • U.S. Mortgage litigation rises in first quarter of 2010

    Updated: 2010-06-24 02:25:43
    The first quarter of 2010 saw a large jump in the number of legal actions related to foreclosures and investor-related mortgage cases.

  • Nationwide mortgage applications decline

    Updated: 2010-06-24 02:25:42
    The number of mortgage applications across the U.S. dropped last week, despite a tax credit for homebuyers.

  • U.S. Foreclosure activity declines in May

    Updated: 2010-06-24 02:25:41
    The number of foreclosure filings in the U.S. dropped in May, continuing a downward trend from April.

  • More distressed homeowners drop out of HAMP

    Updated: 2010-06-24 02:25:38
    The Obama administration's Home Affordable Modification Program aimed at providing relief to distressed homeowners does not seem to be having its intended effects, according to the Associated Press. As more Americans are forced to drop out of the program, the number of foreclosures in the U.S. is expected to climb.

  • The CFPB Auto Dealer Exemption--A Reminder of the Why We Should be Worried

    Updated: 2010-06-24 02:09:14

  • New laws make it more difficult to negotiate with credit card companies

    Updated: 2010-06-23 18:25:04
    Some consumers may have noticed that while the national prime lending rate is 3.25 percent, and nearing all-time lows, their own interest rates have been increasing over the last few months.

  • Steps to Take to Get out of Credit Card Debt

    Updated: 2010-06-23 18:25:00
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Steps to Take to Get out of Credit Card Debt June 23, 2010 People who find themselves with a credit card debt have their own different ways to get out of it . There are those who try to get some professional help . There are also those who try to solve the problem by themselves . The debt may last for sometime and cost you high interests , but it is definitely an attainable goal to get out of credit card debt . Whatever option you might go for , there is a bit of planning required from you , as well as a strong will power to make sure that the plan pushes through . This will power does not come easy , so you must condition yourself to think of the consequences of not getting

  • Turning Your Cell Phone Into A Card Swiper

    Updated: 2010-06-23 14:00:39
    Home Credit Cards Blog Credit Card News Turning Your Cell Phone Into A Card Swiper Turning Your Cell Phone Into A Card Swiper Wednesday , June 23rd , 2010 The things that can be done using a cell phone today continue to push the limits of technology . Hitting the news and the credit card industry most recently is the talk of these new little cell phone attachments that allow the everyday cell phone users to make payments using plastic . With a simple application , a cell phone and a small fee , turning your cell phone into a mini credit card swiper and scanner is easy to do . Some people think that the cell phone coupled with the credit card swiper is the birth of a perfect . partnership Cell phones come in all shapes , sizes and capabilities . Even a run of the mill cell phone can access

  • Interchange Theory: Simultaneous Rent-Extraction from Both Merchants and Consumers

    Updated: 2010-06-23 06:32:17

  • Foreclosures: To buy or not to buy?

    Updated: 2010-06-22 22:09:29
    Many Americans interested in purchasing a home may consider buying a foreclosure, which may be listed at a lower price. Citing statistics from RealtyTrac, Smart Money reports that between 3 million and 3.5 million homes are expected to be foreclosed on in 2010, up from 2.8 million in 2009. Despite lower sales listings, some may be apprehensive about buying a foreclosed home for many reasons.

  • Homebuyers should be aware of the costs associated with purchasing a home

    Updated: 2010-06-22 05:53:07
    When prospective homebuyers consider the overall costs of purchasing a home, they should look beyond monthly mortgage loans, fees and insurance. A new home may also bring with it a slew of additional fees that individuals should factor into their overall finances and budget, according to the Capital newspaper.

  • Some federal student loans may never be repaid

    Updated: 2010-06-22 05:53:06
    Many college students across the country have to take on loans to pay the rising price of tuition, but that's nothing new.

  • Foreclosures hit minorities harder

    Updated: 2010-06-21 21:44:48
    The continuing financial crisis has led to a sharp rise in foreclosures among minorities.

  • Report shows that 75 percent of modified homes will re-default

    Updated: 2010-06-21 21:44:47
    Most Americans have managed to escape foreclosure and lower their monthly payments by modifying their mortgage loans, providing relief to many families. But most homeowners that received a mortgage modification loan are likely to re-default on their payments within a year, according to a recent report.

  • 7 Tips to Increase Credit Score in 12 Months

    Updated: 2010-06-21 17:40:40
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts 7 Tips to Increase Credit Score in 12 Months Who Should Pay for Debit Card Fees Ask for Modified Credit Card Payment Plans Alternatives to Traditional Credit Cards Credit Card Protection Insurance Coverage Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May 2008 April 2008 March 2008 February 2008 January 2008 December 2007 November 2007

  • Why Can Bad Credit Rating Be a Good Thing?

    Updated: 2010-06-21 13:44:01
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Why Can Bad Credit Rating Be a Good Thing June 21, 2010 A very close friend of mine started with a good credit score , just like everyone else . She took out some credit cards , and used them to purchase a lot of things . She was able to pay her bills at first but eventually went into debt . For about 5 years , she had over a thousand dollars in credit card debt . Not only that , for she also took out loans on cars as . well Afterwards , she realized that it was too much to deal with so she declared bankruptcy . With this , she stopped paying her credit cards dues because if she would not , the credit card companies would not be convinced that she was financially unstable .

  • Thank You to Michelle Harner

    Updated: 2010-06-20 15:31:52

  • Credit card yearly summaries may improve consumer finances

    Updated: 2010-06-19 16:23:33
    Most Americans receive a thick envelope at some point in the year, full of page after page of credit card transactions that occurred throughout the previous 12 months. Of those individuals, some may take a quick glance and then throw it away without a second thought. But according to Fox Business, they may be wasting a prime opportunity to examine and improve their finances.

  • What can Bad Credit Credit Cards Really Offer You?

    Updated: 2010-06-19 16:23:29
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison What can Bad Credit Credit Cards Really Offer You June 19, 2010 Guaranteed approval credit cards are more known by many as credit cards for bad credits . The reason behind this name is that these credit cards are issued by companies easily regardless of the credit history of that person . You can acquire this card even if you have bad credit or you do not have any credit . Most of the credit card companies issuing these bad credit credit cards would require security . One form of security would be an advance deposit in an account when you would sign up . This deposit will allow the issuers to gain access to a source of payment if you would fail in paying your debt as .

  • The Disingenuous Mr. Russell Simmons

    Updated: 2010-06-19 05:53:09

  • Debt Settlement Firms--Fraudulent Transfers

    Updated: 2010-06-19 03:41:30

  • Citigroup stops foreclosure in areas harmed by BP oil spill

    Updated: 2010-06-19 00:22:20
    Those that have been victimized by the biggest oil spill in United States history have gotten a bit of a reprieve from one major lender.

  • CARD Act: Interest Rate Reviews Unlikely to Provide Significant Relief

    Updated: 2010-06-19 00:22:17
    Millions of cardholders saw their credit card rates increased, often dramatically, over the past couple of years. Many complained their rates were raised for minor infractions (missing a payment by an hour, for example) or for no apparent reason at all ("changes in market conditions" was a frequent explanation listed on many rate increase letters).

  • What to do about credit cards under the new laws

    Updated: 2010-06-18 16:21:37
    When the CARD Act went into effect, it required credit card companies to do all sorts of things they would never have done before, and that sent them scrambling.

  • Housing starts fall in May

    Updated: 2010-06-18 16:21:36
    Thanks mostly to the end of the consumer tax credit for buying a new home, new housing construction declined in May.

  • Can lenders come after homeowners who strategically default?

    Updated: 2010-06-18 16:21:35
    Some individuals who watch homeowners walk away from their mortgages with smiles on their faces may wonder, what are their consequences? Despite ruined credit, many may find that their lenders are suing them for strategically defaulting, while others walk away scot-free. The difference between a lawsuit and a free pass depends on the whether the mortgage loan a homeowner has is a recourse or non-recourse agreement.

  • Fannie Mae and Freddie Mac provide modification loans to those denied under HAMP

    Updated: 2010-06-18 16:21:34
    Homeowners that are ineligible to receive a mortgage modification loan under the federal Home Affordable Modification Program may receive some aid if their mortgage loan is held by Fannie Mae or Freddie Mac, according to Housing Watch.

  • Interchange Irony: George Mason University Edition

    Updated: 2010-06-18 15:56:05

  • Using Student Credit Cards to Build Positive Credit History

    Updated: 2010-06-17 17:22:39
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Using Student Credit Cards to Build Positive Credit History June 17, 2010 College life might be the most crucial moment of a person’s life . But most of us consider college life the most memorable and exciting one . During this stage , we learn a lot of things that we could benefit from in the future . This is also the time where we start building our own career to push through life . One way to start this is by using a student credit card and building positive credit . history In countries , such as Canada , the UK , and the US , building good credit is the most important thing in a person’s life . When you have positive credit history , you could buy a house and lot , cars

  • The End of Free Checking?

    Updated: 2010-06-17 05:59:06

  • Credit card delinquencies fall to five-month lows

    Updated: 2010-06-17 00:33:07
    Consumers may be closer to controlling their debt levels, despite a slow economy.

  • Commercial mortgages flag on economic weakness

    Updated: 2010-06-17 00:33:06
    Despite a decline in delinquency rates for across most consumer categories, commercial rates climbed again to almost record highs.

  • Federal Reserve Board caps late fees on credit card payments

    Updated: 2010-06-17 00:33:05
    Consumers that make a late credit card payment are often hit with a big fine and penalty fees, among other things.

  • Overcoming Overconfidence in Bankruptcy

    Updated: 2010-06-16 20:07:00

  • Who Should Pay for Debit Card Fees?

    Updated: 2010-06-16 17:45:50
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts Who Should Pay for Debit Card Fees Alternatives to Traditional Credit Cards Credit Card Protection Insurance Coverage Card Issuers Find Loop Holes in New Credit Card Legislation The Return of Cash Back Credit Cards Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May 2008 April 2008 March 2008 February 2008 January 2008 December 2007

  • Consumer credit defaults decline in May

    Updated: 2010-06-16 08:31:35
    The new Standard and Poor's monthly consumer credit indices revealed today that consumer credit defaults fell in May. In some categories, this was the first decline in months.

  • Credit score monitoring more important than ever

    Updated: 2010-06-16 08:31:35
    Many consumers are beginning to recover from the recent economic downturn, and perhaps find they are unsure of what to do as their credit slowly fixes itself.

  • Things You Can Learn From Bad Credit Experience

    Updated: 2010-06-16 08:31:32
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison Things You Can Learn From Bad Credit Experience June 15, 2010 With our economy being in crisis , a lot of people prefer using credit cards . With this , a lot of people now have bad credit ratings . Unfortunately , I am one of those unlucky folks . US credit ratings are declining as fast as I could ever imagine . It would take quite a long time before these could climb back up . Let me share to you some things that you should know about bad credit so that you can dig yourself out of this hole . One of the things you could do is make your credit cards for bad credits . up Your monthly payments would inevitably become very high . It would be a burden for you to pay such high

  • Russell Simmons, Interchange Crusader

    Updated: 2010-06-16 03:18:19

  • Banking the Unbanked--Government-Sponsored Prepaid Cards?

    Updated: 2010-06-16 03:17:46

  • Ask for Modified Credit Card Payment Plans

    Updated: 2010-06-15 17:27:11
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts Who Should Pay for Debit Card Fees Ask for Modified Credit Card Payment Plans Alternatives to Traditional Credit Cards Credit Card Protection Insurance Coverage Card Issuers Find Loop Holes in New Credit Card Legislation Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May 2008 April 2008 March 2008 February 2008 January 2008 December

  • Private Funds and Bankruptcy

    Updated: 2010-06-15 16:25:49

  • Consumers Continue to Complain About Chase Card Tactics

    Updated: 2010-06-15 14:00:01
    Home Credit Cards Blog Credit Card News Consumers Continue to Complain About Chase Card Tactics Consumers Continue to Complain About Chase Card Tactics Tuesday , June 15th , 2010 The Chase credit card unit is a subsidiary of JP Morgan and Chase Co . a leader in financial services that operates in more than 60 countries and one of the leading credit card companies in the nation . According to recent reports , over 100 million Americans currently carry Chase . cards The Issues Despite being a leader in a variety of financial services with a mission for customer service and corporate responsibility , Chase continues to find themselves in legal proceedings due to a multitude of consumer’s complaints against them . Chase has seen its fair share of legal trouble relating to discrepancies with

  • Mailed offers for credit cards, other products up in first quarter

    Updated: 2010-06-14 19:42:46
    During the recession, and even after, many lenders may have become more resistant to offering consumers loans, whether they were in the form of mortgages or credit cards.

  • Several kinds of mortgages require little or no money down

    Updated: 2010-06-14 19:42:45
    Many consumers that want to be homeowners have more than enough money to make their monthly mortgage payments, but they may not have the savings to make the down payment necessary to buy the home of their dreams.

  • Don’t Let Card Issuers Close Your Accounts

    Updated: 2010-06-14 14:00:47
    Home Credit Cards Blog Tips Advice Don’t Let Card Issuers Close Your Accounts Don’t Let Card Issuers Close Your Accounts Monday , June 14th , 2010 Most Americans struggle today making ends meet , finding ways to maintain a quality of life they have become accustomed to while still cutting costs . When money is tight most people find themselves cutting on the things that they consider extras such as entertainment or family . vacations To have or not to have a credit card is one of the issues that face many people today . This decision has taken another turn . It seems that recently consumers who have dormant or inactive credit card accounts are being informed that their account has or will be closed due to . inactivity To Use or Not to Use The credit card industry is in flux and has been

  • Welcome to Michelle Harner

    Updated: 2010-06-14 12:50:20

  • $108 Million Settlement on Countrywide's Servicing Practices

    Updated: 2010-06-14 11:07:00

  • Electronic Copy of Bankruptcy Code and Rules

    Updated: 2010-06-14 05:13:19

  • Bank repossessions up, although overall foreclosure numbers decline in May

    Updated: 2010-06-14 03:41:34
    A recent report from RealtyTrac gave some hope that the foreclosure problems consumers faced during the recession may be abating a bit.

  • The Faster Way to Paying off Your Credit Card Debt

    Updated: 2010-06-14 03:41:32
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison The Faster Way to Paying off Your Credit Card Debt June 13, 2010 You have probably read a lot of articles and material on how you can pay off your credit card debt . But the truth of the matter is , it all really boils down to common sense . The hard part in all of this is how you should put all of the tips you have read about to practical use . And what is even harder is keeping your resolve to stick with the plan . Just so you have a firmer grip on what you should do , here are some tips that can greatly help . you First , you need to stop using your credit card . If you have more than one , then stop using all of them . Face facts if you cannot pay your credit in full

  • House signs off on plan to raise government mortgage fees

    Updated: 2010-06-12 20:56:06
    Consumers that have taken out mortgages that are guaranteed by the Federal Housing Administration may soon see an increase in their monthly fees.

  • New financial bill will include mortgage restrictions

    Updated: 2010-06-12 04:54:13
    The financial overhaul bill that has been kicking around Capitol Hill in recent months just got a new addition, thanks to a new section added by Democratic lawmakers.

  • BP & Bankruptcy

    Updated: 2010-06-12 02:34:56

  • The Easy Way to Delete Bad Credit

    Updated: 2010-06-11 12:52:54
    Credit Card Blog Credit Card Articles Home Online Credit Card Applications Best Credit Cards Credit Card Comparison The Easy Way to Delete Bad Credit June 11, 2010 It really cannot be helped there would be times when life would throw us a curveball or two and when it does , we just might fall behind our bills . This , in turn , causes creditors to include negative ratings on your credit report , and the sad thing about this is that the negative marks would remain on your report for seven years . Or so , they . say This is actually not true because these negative marks can be removed any day and you do not have to wait seven long years just to accomplish this . Here are some things you should keep in . mind You need to be prepared to dispute each and every item with the credit bureaus .

  • Mortgage rates hit new record low again

    Updated: 2010-06-11 04:51:33
    Thanks in part to last week's disappointing employment report, fixed mortgage rates fell again this week to yet another record low.

  • Mortgage fraud risk the highest in six years

    Updated: 2010-06-11 04:51:32
    The risk of mortgage fraud in the first quarter of the year climbed 4 percent from the last quarter of 2009 and has reached the highest total since 2004.

  • U.S. Bankruptcy Filings at Same Level as Before 2005 Law

    Updated: 2010-06-10 19:47:20

  • Bankruptcy filings show small decline in May

    Updated: 2010-06-10 00:04:39
    While the economy may be showing some signs of recovery, a recent report indicates that fewer people filed for bankruptcy in May when compared to the previous month.

  • Number of mortgage applications declines from last week

    Updated: 2010-06-10 00:04:38
    The number of applications for new mortgages last week declined sharply from the week before, according to the Mortgage Bankers Association new Weekly Mortgage Applications Survey.

  • How to fight a credit denial

    Updated: 2010-06-10 00:04:37
    The economy may be improving, but many consumers may still find it difficult to get any kind of loan.

  • Debt on credit cards drops in April, Fed says

    Updated: 2010-06-08 23:41:46
    One bellwether on the state of debt management and personal finances showed that American consumers continued to concentrate on trying to put themselves in a more sound position.

  • Consumers shouldn't assume a bad score is doomed

    Updated: 2010-06-08 23:41:45
    The recent national focus on the importance of credit scores may have some consumers worried. Many wonder what, if anything, they can do when their credit score starts to get bad.

  • Although defaults increase, credit card delinquencies see drop on two fronts

    Updated: 2010-06-08 23:41:44
    For some time now, consumers have tried to be more responsible regarding their credit card debts, especially in light of a difficult economy.

  • The Interchange Cross-Subsidy: False Analogies

    Updated: 2010-06-08 19:05:11

  • Zywicki on Interchange

    Updated: 2010-06-08 18:41:40

  • Rigbi on Usury on Prosper

    Updated: 2010-06-08 18:33:21

  • Alternatives to Traditional Credit Cards

    Updated: 2010-06-07 17:44:14
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts Alternatives to Traditional Credit Cards Credit Card Protection Insurance Coverage Card Issuers Find Loop Holes in New Credit Card Legislation The Return of Cash Back Credit Cards Debit Card Fees Restricted By the Senate , MasterCard Vowing to Fight it Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May 2008 April 2008 March 2008

  • Is U.S. Bank Collecting Illegal Interest Rates?

    Updated: 2010-06-05 05:41:42

  • Credit Card Protection Insurance Coverage

    Updated: 2010-06-04 17:04:32
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts Credit Card Protection Insurance Coverage Card Issuers Find Loop Holes in New Credit Card Legislation The Return of Cash Back Credit Cards Debit Card Fees Restricted By the Senate , MasterCard Vowing to Fight it Swipely Shares Your Credit Card Purchases Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May 2008 April 2008 March 2008

  • A Primer on the Consumer Financial Protection Agency

    Updated: 2010-06-03 13:42:00

  • Card Issuers Find Loop Holes in New Credit Card Legislation

    Updated: 2010-06-03 01:21:12
    Apply for a credit card Learn about credit cards Credit card processing Recent Posts Card Issuers Find Loop Holes in New Credit Card Legislation The Return of Cash Back Credit Cards Debit Card Fees Restricted By the Senate , MasterCard Vowing to Fight it Swipely Shares Your Credit Card Purchases Square” Application Now Available for iPhone Swipe Credit Cards on the Go Categories Announcements ATM Card Security Card Technology Choosing a Credit Card Commercials Credit Card Debt Credit Card Processing Credit Score Humor News Travel Uncategorized Archives June 2010 May 2010 April 2010 October 2009 September 2009 August 2009 July 2009 June 2009 May 2009 April 2009 March 2009 February 2009 January 2009 December 2008 November 2008 October 2008 September 2008 August 2008 July 2008 June 2008 May

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