Fort Collins retailer rethinks credit card sales; big banks charge consumers …
News from The Coloradoan:

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Fort Collins retailer rethinks credit card sales; big banks charge consumers for using debit cards

Cheryl Erbelding, the owner of Amish Showroom in Fort Collins asks customers to pay with cash or check to avoid what she calls exorbitant fees charged by credit card companies.

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Smyrna principal quits over school credit card use

Posted by administrator | 22/10/11 | Tagged Credit Card

Smyrna principal quits over school credit card use
News from The Tennessean:

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Smyrna principal quits over school credit card use

Smyrna Elementary Principal Regina Joiner resigned after admitting to making nearly $ 1,000 in unauthorized purchases on a school credit card, a Rutherford County Schools official said.

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Credit Scores Down But Credit Card Debt Up

Posted by administrator | 22/10/11 | Tagged Credit Card Debt

Credit Scores Down But Credit Card Debt Up
News from TIME:

Numbers don’t lie, but sometimes they don’t tell the whole story. Credit score and product site CreditKarma.com compared the amount of credit card, mortgage and student loan debt in each state, along with each state’s average FICO score. On average, we’re not doing so well, evidence of the ongoing struggle for financial stability many families still face more than two years after the “official” end of the recession. The average American’s score was 663 in the third quarter, a drop of four points from last quarter, even as our average credit card debt ticked up to $ 6,513. But there were some surprises in the state-by-state breakdown. The top-scoring states were California and New Jersey, with average FICO scores of 682 and 680, respectively. (It’s worth noting that neither of these is high enough to be eligible for most lenders’ prime rates. For that, you generally need a minimum of 720 or 750, depending…………… continues on TIME
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Poll: the 4 smartest credit card moves

Posted by administrator | 21/10/11 | Tagged Credit Card

Poll: the 4 smartest credit card moves
News from Fox Business:

What’s the smartest credit card move you’ve ever made?

CardRatings.com asked that very question in a recent poll in the weeks leading up to the American Bankers Association’s annual “Get Smart About Credit Day,” set for Oct. 20, 2011. The ABA’s nationwide campaign aims to educate young people about sound credit card use.

As of close of business on Oct. 19, there were 176 responses to the poll, which first appeared on the CardRatings.com home page on Sep. 23. Respondents had a choice of four answers. Here are the results:

“Got a rewards card and ran all my regular expenses through it”

48 percent. This was by far the most popular answer, chosen by nearly half of you. This means many of you are capitalizing on rewards cards to reap the benefits – cash back, airline miles and points – simply by paying your bills with your rewards credit card and…………… continues on Fox Business
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Credit card security technology to take step forward
News from Debtmerica Relief:

Consumers concerned about being hit by fraudulent credit card debt may soon have less reason to worry, as the world’s two largest card issuers are taking steps to upgrade security.

Visa and MasterCard are now taking steps to improve credit card security by encouraging businesses and ATM owners to upgrade their card reading systems so that they’ll accept transactions completed with a new, safer type of card, according to a report from the consumer finance site Bankrate. These companies are trying to encourage the use of so-…………… continues on Debtmerica Relief
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UMass Law dean resigns after flap over credit card use

Posted by administrator | 20/10/11 | Tagged Credit Card

UMass Law dean resigns after flap over credit card use
News from Boston.com:

Robert Ward, dean of the University of Massachusetts’ new law school in Dartmouth, said today he had made personal purchases on his university credit card but had reimbursed the school — and the purchases had nothing to do with his decision to resign.

Ward, named dean of the law school last year, blamed his resignation on poor health in an undated letter to UMass Dartmouth Chancellor Jean MacCormack. “The two-hour daily commute and the pressure of building a world-class law school have taken a terrible toll on my health and my family,” the letter said.

David Guarino, a private public relations official Ward hired to represent him, said in an email that “the letter truly speaks for itself.”

But less than two hours later Ward released another statement. “Like many University officials, I was authorized to use a University credit card for official travel and other expenses. I reimbursed the University for any p…………… continues on Boston.com
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Principal resigns after improper credit card use
News from The Daily News Journal:

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Principal resigns after improper credit card use

MURFREESBORO — Former Smyrna Elementary principal Regina Joiner resigned after admitting to making nearly $ 1,000 in unauthorized purchases on the school’s credit card, a Rutherford County Schools

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Students loans overpower credit card debt

Posted by administrator | 20/10/11 | Tagged Credit Card Debt

Students loans overpower credit card debt
News from KYTX:

EAST TEXAS (KYTX) — Lon Morris College Graduate David Russ is facing the reality – he’ll soon have to pay back student loans.

“Kind of uneasy but I know it’s one of those things I’ve got to do,” he said. “I’d like to get stable in the work force, save my money as I work so hopefully that won’t be such a detriment when I get to where I have to pay those loans back.”      

According to the college board – students are borrowing twice what they did a decade ago after adjusting for inflation. In fact, Americans now owe more on student loans than on credit cards — which means they can’t spend money on other things.

“A lot of these students that have this mounting debt are delaying the life cycle or life choices like buying a house, getting married, having children, all those things,” Lon Morris College Financial Aid Counselor Brista Hurst said.

She said there’s a clear reason for the rising debt.

“A lot of the people who are unemployed now a…………… continues on KYTX
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Improved benefits come to Google Wallet
News from Debtmerica Relief:

In the near future, consumers who use their smartphones loaded with near-field communications technology to handle their credit card debt may be able to earn greater rewards for making purchases on these mobile payment systems.

Google is working to expand the benefits associated with its mobile payment system known as Wallet, allowing consumers to search for, store and redeem coupons for select participating retailers, as well as rack up rewards points, according to a report from CIO Today. A number of major national chains are participating in the expanded service, and several others will soon begin accepting Google Wallet’s tap-to-pay purchasing system known as SingleTap as well.

The problem for Google is that currently just one phone available in the U.S. – the Sprint Nexus S 4G – has t…………… continues on Debtmerica Relief
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Credit card use battle continues

Posted by administrator | 19/10/11 | Tagged Credit Card

Credit card use battle continues
News from Scranton Times-Tribune:

Credit card use battle continues

WILKES-BARRE – Sometime today, Jim Hayward will find more answers to his questions about Wilkes-Barre’s credit card use.

As part of an ongoing open-records tug-of-war, the city will provide Mr. Hayward with six credit card statements, one from former city Administrator J.J. Murphy’s account and five from current Administrator Marie McCormick’s account, city attorney Tim Henry said.

The statements, Mr. Henry said, will show either a zero balance or credits paid to the city, not a smoking gun of financial mismanagement as some city critics have alleged exist. The city also will give Mr. Hayward a letter from Bank of America that explains it does not issue monthly statements that show inactivity such as a zero balance, city officials said.

Still, Mr. Hayward will not get statements for all the months he’s requested. He said he has to examine the documents the city gives him today before making a de…………… continues on Scranton Times-Tribune
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October’s Illegal Use Of A Credit Card, Shoplifting And Conspiracy
News from Patch.com:

The following arrest information is supplied by the Clinton Police Department. It does not indicate a conviction:

October 2

Heather Christie, 52, of Horse Hill Road in Westbrook was arrested at Stop & Shop and charged with breach of peace.

Erick Kilburn, 20, of Old Toll Road in Madison was arrested for identity theft and charged with illegal use of a credit card, larceny in the third degree and identity theft in the third degree.

October 3

Ryan Dumas, 18, of Brickyard Road in Clinton was arrested and charged with reckless driving, operating an ATV without a valid registration, failure to stop upon request, unreasonable speed and operating without a license.

Tina Griggs, 42, of East Main Street in Clinton was arrested at the Village Motel during a domestic incident and charged with criminal violation of a protective order.

October 5

Mark Bowman, 46, of Rodney Street…………… continues on Patch.com
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Police Seek Credit Card Scammer

Posted by administrator | 19/10/11 | Tagged Credit Card

Police Seek Credit Card Scammer
News from fox4kc.com:

LEE’S SUMMIT, Mo.—

A Lee’s Summit investigation is underway as police try to catch a credit card scammer. 

Police said the suspect is a tall, dark skinned, black man.  He may be using a Nigerian passport and could speak with a foreign accent.  His getaway car is a white sedan with no front license plate.

 “The pattern that we’ve seen so far is he’s traditionally hit drug stores and grocery stores here in town. When he does make those purchases, he’ll buy a small item along with a gift card – a $ 300 to $ 400 gift card,” said Sgt. Chris Depue with the Lee’s Summit Police Dept.

Depue said like other credit card scams, the man is charging hundreds to thousands of dollars on victims’ accounts.  However, the sergeant said this case is unique in one specific way.

“All six or seven of our victims never lost…………… continues on fox4kc.com

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New Milford man charged with stealing credit card
News from Danbury News Times:

NEW MILFORD — A town man was arrested in Danbury on a warrant charging him with illegal use of a credit card that belonged to a woman whose purse he is accused of stealing from Lover’s Leap Park in June, New Milford police said.

Robert Kelley Jr., 38, of Kent Road, was charged with third-degree burglary from a motor vehicle, fifth-degree larceny from a building, credit card theft, and nine counts of illegal use of a credit card, according to police.

Lt. Larry Ash said Kelley is accused of using the credit card at several area businesses. He was held over the weekend on a $ 10,000 bond and arraigned Monday at state Superior Court in Bantam.

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Banks Pushing For More Credit Card Use

Posted by administrator | 18/10/11 | Tagged Credit Card

Banks Pushing For More Credit Card Use
News from Jamestown Post Journal:

Monthly charges for using a debit card aren’t the only way banks may be trying to recoup money lost when Congress take advantage of its customers.

Bill Hardekopf, LowCards.com chief executive officer, states banks may want consumers to use their credit card instead of debit cards. This way, banks can make more money from customers who do not pay off their balances and higher interest rates can then be charged.

Consumers are charged a hefty interest rate for carrying a balance from one month to the next and that interest payment could be anywhere from 10 percent to 29 percent depending on your credit card.

Recently, Bank of America has been the focus of consumer complaints since its announcement that it will begin charging some customers $ 5 a month when they use their debit cards to make purchases.

The move by the nation’s largest bank, which is slated to take effect next year, follows Wells Fargo & Co. announcement it is test-piloting a $ 3-per-month f…………… continues on Jamestown Post Journal
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Credit Cards: Kick the Plastic Habit

Posted by administrator | 18/10/11 | Tagged Credit Card Debt

Credit Cards: Kick the Plastic Habit
News from Fox Business:

One of the only things college students love more than pizza and beer is a credit card. According to Sallie Mae, the average undergrad leaves campus with about $ 4,100 in credit card debt. Almost half own four or more cards. Plastic debt can add up fast, but these four rules will help keep your cards in check and your savings on the up and up.

Use Cash

“My strategy this year for a budget is to just take out the amount of cash I want to spend that week,” says Sarah Glass, a senior at MidAmerica Nazarene University in Olathe, Kan. “It’s hard to restrain myself when I know that I have money on my debit or credit card.”

Cash is king, especially when it comes to weaning yourself off plastic. A study conducted by researchers at New York University and the University of Maryland College Park shows consumers are willing to pay more with plastic than…………… continues on Fox Business
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Old debt leaves a scar on report
News from Columbia Daily Tribune:

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Dear Debt Adviser,

I had a judgment against me for $ 6,600 from a credit card company. The settlement was paid in full. I received a letter from the credit card company saying the debt was “paid in full” and releasing me from any future debt. I filed the letter with the courthouse.

How does this get in my credit report that this debt has been paid in full?

— Todd

Dear Todd,

Your one credit card account that went unpaid likely has blossomed into three different notations on your credit report. All of which, unfortunately, are negative.

First, the original credit card account likely will be listed as a “charge-off.” If the original creditor had kept the account in-house for collection after the charge-off, once you paid the account it would either be listed as a “paid charge-off” or…………… continues on Columbia Daily Tribune
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