Four suspects sought in use of stolen credit card in Oshkosh
News from WTAQ:

This still taken from surveillance video shows people suspected of using a stolen credit card at a Walgreens in Oshkosh, Jan. 4, 2012.

OSHKOSH, WI (WTAQ) – Police in Oshkosh need your help finding four people who used a stolen credit card at a pharmacy.

Authorities say the 4 walked into the Walgreens store on Murdock Avenue January 4th, and made a purchase with the stolen credit card.

The victim told police she lost the credit card in the area of the Taco Bell across the street. She reported the theft after noticing close to $ 300 in unauthorized purchases on her account.

Anyone with information is asked to call police at (920) 236-5700.

…………… continues on WTAQ
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Elizabethton man arrested for fraudulent use of a credit card
News from TriCities.com:

On Friday, Jan. 27 Anthony Lee Grindstaff, 31, was served with an arrest warrant charging him with fraudulent use of credit/debit card.

The charges are related to a report filed by his father regarding the unauthorized use of his Regions Bank ATM card at Ingles in Elizabethton on Dec. 6. A second report regarding the unauthorized use of his father’s card was filed and during the course of the investigation it was also found that on Dec. 6 Grindstaff used his father’s card at Regions Bank ATM in Elizabethton to withdraw cash.

On Monday, Jan. 30 Grindstaff was served with an additional warrant charging him with a second count of fraudulent use of a credit/debit card regarding the Regions Bank incident. Grindstaff is scheduled to appear in Carter County General Sessions Court on Feb. 21.

This story is derived from an Elizabethton Police Department report.

…………… continues on TriCities.com
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Credit card tips for Super Bowl trips

Posted by administrator | 30/01/12 | Tagged Credit Card

Credit card tips for Super Bowl trips
News from Fox Business:

If you’re going to the Super Bowl XLVI in Indianapolis, to see the New York Giants and the New England Patriots in all their glory, this Feb. 5, chances are, you’re packing more than your toothbrush. You’re bringing along your credit cards. And so, always wanting to help out, I’m providing tips for using your credit card during your Super Bowl weekend, so your trip can go as smoothly as possible.

And if you’re a huge football fan and desperately want to go but can’t, then make my editors happy and read all of this, anyway, and just pretend that that you’re going to the Super Bowl. Yeah, pretend. It’ll be fun.

The Super Bowl and your credit card: What you need to know

Buying tickets: Chances are, if you’re going, you’ve already bought your tickets, but plenty of desperate fans are likely looking on Craigslist right now and considering buying them, or considering going with a scalper. The Better Business Bureau, on their website, recommends going with the reputable Ticketmaster, which manages ticket exchanges for the NFL, or StubHub, which also guarantees a ticket’s authenticity.

<…………… continues on Fox Business

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Should I use a credit card or spend savings to buy a boiler?
News from This is Money:

By Laura Howard

Last updated at 10:22 AM on 30th January 2012

Borrow or spend to keeping warm: Should you put a big purchase like a new boiler on a credit card or spend savings?

I want to borrow £2,500 to install a new gas boiler. Which is the best way of borrowing the money or should I just take out of my current account?
S.M., Derby

Laura Howard, of MoneySupermarket, replies: If you have £2,500 sitting in your current account, on the face of it paying cash for your new gas boiler would seem like the best option. However, putting the cost on a credit card (providing you pay off the balance) could actually prove more sensible.

This is because – so long as the boiler costs between £100 and £60,200 – you will be protected under a combination of the Consumer Credit Act and the Consumer Credit Directive. In short, this means the credit card company and the firm that sells you the boiler, will be jointly and severally liable for the purchase. 

This leaves you in a better position if anything goes wrong, such as t…………… continues on This is Money

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Consumers must choose carefully

Posted by administrator | 30/01/12 | Tagged Credit Card Debt

Consumers must choose carefully
News from Mackay Daily Mercury:

Paul Clitheroe

PERSONAL loans are going head-to-head with credit cards in the battle for debt consolidation. For consumers facing a raft of options, the trick is to choose carefully. What helps one borrower manage their debt may not be the best option for you. 

Debt consolidation – where you fold several high interest debts into a single lower rate loan, used to be the exclusive domain of personal loans. But these days plenty of credit card providers are pitching at the same market, which has lead to some very appealing balance transfer offers, presently ranging from zero percent interest for 6 months to around 4.99% for the life of the outstanding balance.

However self discipline rather than a low rate could be the key to choosing the debt consolidation option that provides the best value for you.

As a guide, financial researcher Canstar looked at two different debt repayment scenarios where $ 10,000 is paid off over three years using a personal loan charging 10% interest versus a credit card charging 0% for six months and a low rate of 12% thereafter.

If you were to make monthly repayments of around $ 323, the debt would be repaid in three years using either the credit card or personal loan. The key difference is that the total interest charge for the car…………… continues on Mackay Daily Mercury

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Plastic fanatics: States with the most and least credit card debt
News from msnbc.com:

AFP – Getty Images

Experts disagree on whether rising credit card debt is a good or bad indicator for a state’s economy.

By Charles B. Stockdale, 24/7 Wall St.

Americans cut down their credit card debt by 11 percent last year, compared to 2010, according to a new report by Credit Karma. 24/7 Wall St. looked at the average credit card debt owed by the residents of each state to determine the five states with the most and the least debt as of December 2011.

Credit card debt is a measure of the economy, and some analysts are suggesting that the decrease in the debt is a positive sign. But not all agree. Ken Lin, CEO of Credit Karma, told CNNMoney that the drop in debt is the result of weak consumer confidence, resulting in slower spending, tighter lending on the part of banks and lower credit limits.

24/7 Wall St.: The eight beers Americans no longer drink

One of the driving factors for states whose residents owe the most in credit card debt is that they are wealthy states. Nine out of the 10 states with the most…………… continues on msnbc.com

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Let your credit card reward you

Posted by administrator | 28/01/12 | Tagged Credit Card

Let your credit card reward you
News from Washington Post:

For the conscientious consumer, credit card rewards programs are equivalent to free money. Sometimes, the perks sound too good to be true, and that’s because for many people, they are. Rewards cards only benefit you if you pay off your credit card balance monthly. “The interest rates are very high on rewards cards,” says Odysseas Papadimitriou, chief executive of credit card comparison Web site CardHub.com. “If you carry a balance, you’re going to pay more in interest than you’re getting in rewards.”

In recent years, credit card companies have upped the stakes, offering free flights or cash back bonuses for signing up. It takes time to find the card that’s best for your tastes. Do you travel often? Do you have a favorite hotel chain or store? Perhaps you prefer the flexibility of a cash-back program. There are cards for every preference, and the experts help us navigate the choices.

Before you apply

Know your score: The FICO score is the credit score most credit card issuers use when determining whether you qualify. You “don’t want to waste time applying for cards you can’t qualify for,” says Beverly Harzog, a credit card expert for

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Showdown: American Express Centurion vs. Visa Black Card
News from Fox Business:

Like a heavyweight fight in Las Vegas, the newest entrant in the super-premium credit card arena, Visa Black Card, challenges the defending champion, the American Express Centurion Card.

Last year, CardRatings.com talked with two entrepreneurs who carry the Centurion card to find out how they use the most exclusive credit card to manage their lives. One of these, Centurion member Don Sabatini, founder and CEO of Secret Entourage, a website devoted to entrepreneurship, decided to also get the Visa Black Card and compare the two. He shares his findings with us in an exclusive interview.

CR: What prompted you to get the Black Card?

DS: First off here is some background on why we got the card. Secret Entourage had been invited by the Centurion program to try the card at no cost, which made sense from a status standp…………… continues on Fox Business

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You’ve Paid Off Your Card Debt. Now What?

Posted by administrator | 28/01/12 | Tagged Credit Card Debt

You’ve Paid Off Your Card Debt. Now What?
News from Credit Card Guide News:

Dear Erica,

I am only a couple of months away from finishing my debt plan with Consumer Credit Counseling. I have been paying $ 886 every month and never missed one payment for the past 4-and-a-half years. During that time, I even paid off my car note. So, except for my mortgage, I will be free of any debt. It’s a miracle. Should I get another credit card now? And what should I do with the $ 866 that will now be back in my bank? I have two girls, one 8 and the other 12, and I’m thinking of saving for their college educations. — Jeanie

Hi Jeanie,

Your excitement is palpable and well deserved! Soon you will have completed something remarkable, and that’s paying down what clearly must have been a large amount of credit card debt. You’ve stuck to a plan, which shows an impressive level of commitment. Sending nearly $ 1,000 every month without fail is a major achievement.

As a reward, in a few short months you’ll have quite a bit of expendable cash left over. It’s a good idea to use some of the money for your daughters’ future higher education costs. Before you do that, however, I would like to be sure that you’re covered in a few other areas first. They are:

  • Your retirement. continues on Credit Card Guide News

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Consumers’ credit card debt eases
News from Omaha World-Herald:

Amber Malone, music education student, saxophone player and percussionist, paid off her credit card debt after four years of working extra while attending the University of Nebraska at Omaha.


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By Steve Jordon | WORLD-HERALD STAFF WRITER

Premium ContentClick…………… continues on Omaha World-Herald

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WiiU to use near-field communications for easy online purchases
News from Ars Technica:

Who doesn’t love riffling through a stack like this when downloading a game?

The rise of purely digital online game sales has changed the industry in a number of ways, but the most important change might be the introduction of games as impulse buys. Anyone with a credit card tied to their Steam account knows how scarily easy it is to, with just a few clicks, dump more money than you intended on a whole passel of games that seem vaguely intriguing. You might not have read any reviews, or even heard anything about the game outside of the Steam description, but when it’s so cheap and the purchase process is so seamless, your consumptive id can often act before your conscious brain even has a chance to question whether you really want the game you’re buying.

Digital stores on platforms from Sony, Microsoft, Apple, and Google have similar setups to encourage this kind of impulse purchase—enter your credit card once, then buy with a few clicks forevermore. Nintendo is the lone holdout, as it often is with online features, refusing to store credit card information for users with a Wii or 3DS. But that might change in the next console generation, with Nintendo President Satoru Iwata announcing today that the Wii U will use near-field communication technology “as a means of making micropayments.”

In retrospect, Nintendo’s decision…………… continues on Ars Technica

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Best Use Of Apple’s Cash: An Apple Credit Card
News from Seeking Alpha:

Analysts are predicting the next iPhone will have an NFC chip, perhaps also an RFID chip and by the end of the year iPhones will be sold by all three huge Chinese mobile phone businesses (nearly a billion potential customers) plus T-Mobile in the USA. That means that the iPhone will do everything that the Google (GOOG)/Android phones are starting to do with what is called “Google Wallet”, only more so because of the inclusion – besides an NFC chip – of an RFID radio chip and, of course, Siri, Apple’s (AAPL) artificial intelligence personal assistant.

Envision this: (1) walk up to a vending machine, (2) tell Siri that you want a Coke, (3) the iPhone establishes wireless communication with the vending machine, (4) the iPhone sends your credit card data to the vending machine, (5) the vending machine goes through its authorization process, and voila (6) the vending machine spits out a Coke.

Using RFID chips attached to individual consumer product packages, your iPhone will wirelessly recognize each item in your grocery cart…………… continues on Seeking Alpha

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4 reasons to use credit cards versus debit cards

Posted by administrator | 26/01/12 | Tagged Credit Card

4 reasons to use credit cards versus debit cards
News from CBS News:

(MoneyWatch) 

With all of the recent hype over Suze Orman’s new debt card, it’s no wonder why many folks think it’s better to use a debt card versus a credit card. But for many folks that would be a mistake. The obvious reason many folks do this is to avoid getting into debt on a credit card and the high interest rates and fees that apply when you carry a balance. But if you resolve to never carry a balance, then a credit card is a far superior purchasing tool than any debit card, for the following reasons:

Protect from fraud: When you make a purchase with a credit card, there is a firewall between your bank account and the vendor. First, there is a federal law that provides protections unique to credit cards. Then there is this example: When you purchase something on your credit card, a bank issuing the credit card makes the payment to the vendor. You are obligated to pay the bank only after you are in agreement that the charge is legit and that the item or service you bought was delivered as agreed. But make a transaction with a debit card and the payment is immediately deducted from your bank account. Federal laws and bank’s policies include some protections from fraudulent or una…………… continues on CBS News

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The Right Ways to Use a Prepaid Card
News from MainStreet:

NEW YORK (MainStreet) — Prepaid debit cards are widely criticized for charging high fees and offering few incentives to consumers. The criticism, in many instances, isn’t unwarranted. A study conducted by credit card ranking site NerdWallet found that some prepaid products can cost users up to $ 300 a year.

Still, they remain popular among the unbanked and those who have poor credit. Here are a few ways those using a prepaid card can minimize the fee damage.

Set up direct deposit.
A growing number of products will waive certain fees or charge lower ones if a person’s paycheck is being deposited onto the card. Wal-Mart (Stock Quote: WMT), for instance, waives the $ 3 reloading fee associated with its Money Card and Western Union waives the $ 4.95 fee tacked onto its prepaid Visa (Stock Quote: V) when direct deposit is set up.

Replenish declining balances.
Other issuers will let you bypass fees if you load a certain amount of money onto the card in a 30-day period (which can be achieved by using direct deposit)……………. continues on MainStreet

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Credit card debt falls alongside credit scores

Posted by administrator | 25/01/12 | Tagged Credit Card Debt

Credit card debt falls alongside credit scores
News from Fox Business:

A robust holiday shopping season apparently led some Americans to delay extra debt payments during December, but that didn’t prevent the nation from ending on a high note. Despite a slowdown in debt payments at the end of 2011, all 50 states ended the year with less credit card debt than when the year began.

According to a recent report issued by CreditKarma.com, credit card debt declined 11 percent nationwide last year. However, it wasn’t all good news. Credit scores saw a decline during that time as well.

Average credit card debt at $ 6,576

Overall, the news on debt was positive for 2011. According to the report, debt loads in four out of five categories remained steady or declined:

  • Credit card debt declined 11 percent to an average of $ 6,576
  • Student loan debt declined 9 percent to an average of $ 26,272
  • Home equity debt declined 4 percent to an average of $ 47,905
  • Home mortgage debt held steady at $ 173,876…………… continues on Fox Business

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Credit card debt: Don’t forget the lessons from financial crash
News from Tulsa World:

Credit card debt dropped in 32 of the 36 months of 2009 through 2011 as cardholders spent less and issuers lowered credit limits, tightened approval guidelines and canceled risky accounts, says Bill Hardekopf, CEO of LowCards.com.

However, the Federal Reserve’s monthly G19 report shows consumer borrowing is again increasing – by $ 7.65 billion to $ 2.46 trillion in October, the biggest increase in two years. Credit card debt rose $ 366.2 million in October, while auto, mobile home and education loans increased $ 7.28 billion.

Credit card issuers are again filling the mail with offers – mostly to those with good to excellent credit. Everyone is receiving more card solicitations with attractive rewards and balance transfer offers.

We must not forget the past three years and the hardship large credit card balances caused us, Hardekopf says. Paying off debt wasn’t easy, and some of us still have debt problems and wonder what can really be done about it.

Total: Assess exactly what you owe for all credit card debts. It was easier to pay the minimums without looking at the totals, but misleading yourself only made things worse. Write down a debt summary including creditors, monthly paymen…………… continues on Tulsa World

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Chicago Cab Driver Allegedly Pepper Sprayed Passenger For Using Credit Card …
News from Huffington Post:

A Chicago man has filed a complaint with the city over a cab driver who allegedly threatened him with a bat and attacked him with pepper spray because he said he wanted to pay his fare using a credit card.

ABC Chicago reports that Bryan Doherty and two friends were picked up by a cabbie near Wrightwood and Orchard in the city’s Lincoln Park neighborhood early Sunday.

Doherty told ABC that when they informed the cab driver that they did not have any cash and would be using a credit card, the driver got out of his cab at their stop and threatened the man and his friends with a small bat. He then allegedly proceeded to use a can of pepper spray on him, according to ABC.

Doherty also appears to have taken to Yelp to spread the word about the incident, which reportedly took place in a Flash Cab. In a review posted on Monday, “Bryan D.” writes that he asked the cab driver to take them to an ATM so they could get cash to pay their $ 6.48 fare when “the driver became erratic and insisted that we were trying to screw him out of money…………… continues on Huffington Post

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We love our debit cards, but not our banks
News from msnbc.com:

By Allison Linn

The recession served as a wake-up call for many of us to get a better handle on our finances, and for a lot of folks that meant replacing one piece of plastic, the credit card, with another, the debit card.

But now, regulatory changes have made those debit cards less of a cash cow for financial institutions. That’s left many banks scrambling to introduce new fees to make up for that lost money.

The problem: Consumers are dead set against the fees, and they don’t necessarily want to start using their credit cards again, either.

A new report from Javelin Strategy & Research finds that few have sympathy for the banks. In fact, 70 percent of the people surveyed for the report said they think banks are the ones benefiting from the new regulations.

Many expect the financial institutions to lose billions of dollars in revenue because the new rules limit how much money they can make every time a retailer swipes a debit card.

“Banks are looking kind of like bad guys lately, and I think it has a lot to do with consumers not really understanding what was going on,” said Beth Robertson, director of payments research for Javelin Research, which does research on financial…………… continues on msnbc.com

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Ellettsville Votes For Stricter Rules On Credit Card Use

Posted by administrator | 25/01/12 | Tagged Credit Card

Ellettsville Votes For Stricter Rules On Credit Card Use
News from Indiana Public Media:

In the wake of allegations over the misuse of county credit cards in Monroe County other communities may seek to re-evaluate their policies. Last night the Ellettsville Town Council unanimously voted to amend an ordinance that dictates the use of county credit cards.

Town Council Attorney Darla Brown says the amendment tightens up and makes clear the penalties for misusing credit cards.

“The policy simply states that violations of the credit card policy are subject to disciplinary action,” she says. “So it just makes it clear that they can use can only use town issued credit cards for town business, travel related expenses, workshops those types of things and not for personal use.”

Brown says there are no issues with employees misusing credit cards but that personnel updates such as these usually occur every year.

Kyle Clayton is a WFIU news producer. He is currently studying journalism at Indiana University and comes to WFIU following an internship in the fall of 2011. After serving in the U.S. Army, he returned home to Indiana in 2008 to begin his education and pursue his interests in writing.

View all posts by this author »

…………… continues on Indiana Public Media
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A new iPhone case lets you use your phone as a credit card.
News from NEWS.com.au:

A new iPhone case lets you use your phone as a credit card.

Google Vice President of Commerce Stephanie Tilenius promotes smartphones as the wallet of the future. Picture: Mary Altaffer   Source: Supplied

DON’T swipe aside the idea of smartphones as credit cards, writes Jennifer Dudley-Nicholson

We regularly shop on mobile phones, but rarely do we shop with them. That is poised to change as emerging technology transforms smartphones into makeshift credit cards that can be waved at the cash register.

The wallet-challenging additions are already trickling into Australia and more promise to arrive later this year in both phones and laptops.

But even its proponents warn that users may take time to become comfortable with new credit technology, though they insist the hi-tech transactions will be just as safe as…………… continues on NEWS.com.au

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