Earn more with credit-card rewards that fit you

Posted by administrator | 22/10/12 | Tagged Credit Card

Earn more with credit-card rewards that fit you
News from MarketWatch:

By Jennifer Waters, MarketWatch

CHICAGO (MarketWatch) — Consumers looking to get the most of their credit-card rewards should pick a card for the lifestyle they lead.

From travelers to foodies to sports fans, there are rewards programs geared to help niche groups tally rewards points that they will actually use.

dwphotos / Shutterstock.com

From travelers to foodies to sports fans, there are rewards programs geared to help niche groups tally rewards points that they will actually use.

“There is a reward out there for just about any passion, hobby or interest that you might have,” said Bill Hardekopf, founder of Lowcards.com, a credit-card information site.

Ask yourself: What do I consider a useful reward? Airline miles? Cash? Game tickets? Clothing discounts?

“If you use a card as a convenience method of payment, it makes sense to consider rewards,” said Ben Woolsey, director of marketing and research at CreditCards.com, a Bankrate.com division.

“If you are borrowing money, you’re p…………… continues on MarketWatch

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5 Must-See Credit Card Promotions
News from Business Insider:

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Looking for financial security? Temporary credit cards may be an answer
News from Bangor Daily News:

With billions of dollars in credit card fraud every year, shoppers may be looking for more secure ways of doing their business. One such way is to use “temporary” credit card numbers.

They’re sometimes referred to as “virtual” or “disposable” numbers. They work in a variety of ways; while not foolproof, they may help consumers to head off abuse or misuse of their credit cards.

Most issuers of major credit cards will let you use a number (not the one on your plastic card) temporarily, often for just a single purchase. After that transaction is complete, the number becomes worthless to a thief or anyone else. The number is truly disposable, so even if a thief gets access to it, the number can’t be used for unauthorized purchases.

You use that number as you would your regular credit card, and your transactions show up on your regular credit card bill. Just as you save receipts from your regular credit card purchases, you should hang onto receipts from any temporary numbers you use.

Every issuer has its own rules for issuing temporary numbers; some tie the service to their online banking and may require you to sign up for it. Others offer a downloadable program that will pop up when you make an online purchase and ask if you want to use a virtual number. Still others require that you log onto their website when you want a virtual n…………… continues on Bangor Daily News

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Feds: Man pilfered credit cards at local movie screenings
News from Fairfield Citizen:

Anthony Johnson liked to go to a movie theater with a female, sit near women and then crawl around the floors, removing credit cards from their purses, federal prosecutors allege.

Dressed in black and wearing a baseball cap, he would slither through rows of dropped popcorn and across streams of sticky soda near unsuspecting patrons at the Fairfield Cinemas in Fairfield, as well as Bow-Tie Cinemas in Greenwich and Gallery Cinema Theater in Colchester.

After leaving a theater with their stash, the pair would hit area department stores purchasing high-priced items and gift cards, Assistant U.S. Attorney

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Credit card use in Newark, Irvington tied to New Providence vehicle burglaries
News from Independent Press – NJ.com:

By Independent Press Independent Press
on October 19, 2012 at 1:36 PM

The Brookside Drive/Badgley Drive neighborhood was hit with two vehicle burglaries recently. A credit card stolen in one incident was later used at a Newark gas station.

NEW PROVIDENCE — New Providence Police report that credit cards stolen during vehicle burglaries here have been used at gas stations in Newark and Irvington.

Police gave the following account.

On Oct. 9 a Martins Lane resident reported that, after she heard her car door close at about 9:50 p.m., she looked from the window and saw lights on inside the car. After checking the car, she found that her wallet and a GPS uni…………… continues on Independent Press – NJ.com

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Visa, MasterCard Merchant Fee Settlement Sent to Judge
News from Businessweek:

Visa Inc. (V) and MasterCard Inc. (MA)’s settlement of a merchants’ lawsuit over credit card fees, a deal that may cost the companies and banks as much as $ 7.25 billion, was submitted for approval to a federal judge.

Plaintiffs’ lawyers today formally asked U.S. District Judge John Gleeson in Brooklyn, New York, to sign off on the agreement covering about 7 million retailers. The settlement would resolve seven years of litigation over allegations that Foster City, California-based Visa and Purchase, New York-based MasterCard conspired with major banks to fix the fees merchants pay when customers use a credit card.

“Today’s filing is an important milestone toward resolving the long-running litigation between the nation’s retailers, financial institutions and payment networks,” Josh Floum, Visa’s general counsel, said in a statement. “When final…………… continues on Businessweek

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Argue Over Money? Your Kids May Suffer

Posted by administrator | 19/10/12 | Tagged Credit Card Debt

Argue Over Money? Your Kids May Suffer
News from LiveScience.com:

CREDIT: Dreamstime

Children whose parents argue about finances rack up more credit-card debt in their college years than kids of parents who don’t fight over money, new research finds.

The findings point to the need for parents to help their children learn good financial skills, the East Carolina University researchers reported online in the Journal of Family and Economic Issues.

The researchers surveyed 413 undergraduates from seven U.S. universities, asking them about their credit card debt, the number of cards owned, their financial knowledge and their interactions with their parents regarding money when the students were younger.

They found that two-thirds of students have credit car…………… continues on LiveScience.com

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Consumer Reports: Best credit cards for big debt
News from NewsChannel 9 WSYR:

Syracuse (Consumer Reports) — The economy may still be wavering, but not the banks. They’re still sending consumers plenty of credit-card offers with enticing rewards, cash-back offers, and low interest rates. Consumer Reports just analyzed more than 50 cards, including ones that are good for those struggling to pay off their credit-card debt.

For those people, Consumer Reports recommends transferring the balances to a card with a lower APR. You can often find cards with very low interest rates, even down to zero, for balance transfers. But Consumer Reports cautions that you look carefully at the terms because they can vary a lot from card to card. You’re often charged a balance transfer fee—usually 3 to 4 percent upfront. And the zero percent or low APR often lasts only 12 to 18 months.

Consumer Reports found the Chase Slate card is good for people who can pay off the balance quickly. It has zero interest for 15 months and no transfer fees in the first 60 days.

But if you calculate that you won’t be able to pay off your debt that quickly, you’re better off with a card with a low, fixed interest rate.

Consumer Reports found one of the best such credit cards is the PenFed Promise. It currently has a low APR of 4.99 percent on transfers made before the end of the year and has no balance transfer fee. Be aware that you need to be a member of the PenFed cr…………… continues on NewsChannel 9 WSYR

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How to Have $8500 in Credit Card Debt –

Posted by administrator | 19/10/12 | Tagged Credit Card Debt

How to Have $ 8500 in Credit Card Debt –
News from and a Great Credit Score – TheStreet.com:

NEW YORK (TheStreet) — What do U.S. consumers with a sterling FICO credit rating know that the rest of the country doesn’t?

MyFICO, the consumer division of the credit ratings giant FICO, takes a good whack at that question, with data out today examining what formula makes for a sky-high credit score.

What the company found is that consumers with a credit score of more than 785 — the “gold standard,” according to MyFICO — actually have debt. It’s just that those high-end consumers manage that debt masterfully.

FIND OUT NOW

In fact, MyFICO says that “many individuals with the highest credit scor…………… continues on and a Great Credit Score – TheStreet.com

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US Households: Less Debt, More Pocket Money
News from Businessweek:

Anita Bullock-Morley was $ 57,000 in debt on 27 credit cards and close to filing for bankruptcy in 2007. With help from an Atlanta counseling service, she says she paid about $ 1,400 a month to clear her credit-card balances. Recently she forked over cash for an $ 800 iPad and an iPhone upgrade.

Americans are finally getting their finances in order. According to data from the Federal Reserve, household debt as a share of disposable income sank to 113 percent in the second quarter from a record 134 percent in 2007. Debt service payments are the smallest in almost 18 years, while the credit-card delinquency rate is the lowest since late 2008. “The household deleveraging process is largely over,” says Mark Zandi, chief economist at Moody’s Analytics (MCO).

This progress will help keep the economy expanding even as the government steps up efforts to cut the deficit, Zandi says. That’s because consumers who have reduced their debt pile will be willing to use credit to make long-deferred purchases. Carmakers stand to benefit, says Brian Johnson, a senior res…………… continues on Businessweek

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In Jail For Credit Card Use, Woman Sues NY For Prison Rape; Wins
News from 13WHAM-TV:

Albany, N.Y. (13WHAM-TV/AP) — A judge has ordered the state to pay more than $ 600,000 to an Albany woman who was raped five years ago by a guard in an Orleans County prison.

The Times Union of Albany reports that the judgment was handed down this week by Court of Claims Judge Philip J. Patti.

Court records say the woman was raped in June 2007 at Albion state prison by Donald Lasker, who was later fired and sentenced to two months of weekends in jail.

The woman was incarcerated for a probation violation on her conviction for unauthorized use of a credit card.

The newspaper reports that an earlier attempted rape was disrupted by a prison sergeant, but no action was taken to discipline Lasker, who had been under investigation for allegedly raping another female inmate.

…………… continues on 13WHAM-TV
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CreditCards.com Weekly Credit Card Rate Report: Credit card interest rates …
News from Sacramento Bee:

/PRNewswire/ — Interest rates on new credit card offers remained at 15 percent Wednesday for the fifth straight week, according to the CreditCards.com Weekly Credit Card Rate Report.  

(Logo:  http://photos.prnewswire.com/prnh/20090210/CCLOGO)

The average is comprised of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers and representing every card category. Introductory (teaser) rates are not included in the calculation.

Rates for card categories tracked by CreditCards.com are listed below:

Credit Card Averages
Avg. APR Last week 6 months ago
National Average 15.00% 15.00% 14.91%
Low Interest 10.40% 10.40% 10.40%

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Holidays Highlight Perks of Credit Card Use [AUDIO]

Posted by administrator | 17/10/12 | Tagged Credit Card

Holidays Highlight Perks of Credit Card Use [AUDIO]
News from New Jersey 101.5 FM Radio:

This could be the worst advice you ever receive, depending on what you do with it.

Jeff J. Mitchell (Getty Images)

According to some consumer and finance experts, the last few months of the year can be the best time to use a credit card for purchases. Many cards offer perks that seem even more advantageous during the holidays.

Offerings vary by card, but some potential benefits include:

  • Extended warranties on your purchases
  • Price protection – a refund if you find a product at a lower price after already purchasing it
  • Support and proof if a product is damaged or never shows up in the mail
  • Cash back and reward points

Michael Kay, president of Financial Focus in Livingston, agreed that credit cards can certainly have their advantages, but overuse is a common mistake by consumers.

“As we approach the holiday season, there is this enthusiasm for giving and spending. What a lot of consumers wind up with in January is a whole lot of regret and bills that they really can’t afford to handle,” Kay said. “It’s too easy to get swept away into the spirit of the holida…………… continues on New Jersey 101.5 FM Radio

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Credit card skimming, crooks go on a buying spree
News from WKYT:

Many of us use credit cards everyday. Criminals have now learned how to charge your cards without them ever leaving your sight. It’s a lesson many consumers are learning the hard way.

Thieves used a device to steal or invade Olivia Flowers credit card information, open new bank accounts and then go on a buying spree.

“The devices now are really small, they can be held in your hand.. and it can be done quite easily,” said Paul Krenn, a US Postal Inspector.

Olivia went shopping for a new car and got her first hints that someone skimmed her credit card.
Thieves destroyed her credit.

“He told me that my credit score was really low. And he told me… he actually gave me the printout,” said Olivia Flower, Card Kimming Victim.

Postal inspectors are warning credit and debit card skimming is on the rise, especially in fast food restaurants…………… continues on WKYT

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Debt Addicts Get Clean: How These Teachers Paid Off $ 48610 in Credit Card Debt
News from DailyFinance:

The Post-it note still clings to the wall in the Van Dyke home in Buchanan, Mich. Written on it is a single, significant figure: $ 48,610.

“We now have zero credit card debt, but we leave that Post-it note up to remind ourselves of where we were,” says David Van Dyke, a teacher and musician with The Van Dyke Revue.

Dawn and David Van Dyke, both teachers, accumulated that mountain of credit card debt during several years of spending beyond their means.

It started when they were newlyweds. The Van Dykes moved to Oregon from Michigan, but because they didn’t find work right away, for several months they relied on credit cards to cover their daily living expenses.

The couple knew that there would be consequences to their spending, but they focused on the present, not the future. “We knew we were spending too much money but we figured that we were young enough to make up for it later,” Van Dyke says.

Postponing “Later”

Their credit card balances continued to increase when the Van Dykes moved back to Michigan where they bought a small home, and then, when their son Jacob was born, they upgraded to a larger home.

By then, relying on plastic was an ingrained habit — a way of life.

“If we…………… continues on DailyFinance

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3 Important Ways (A Little) Debt Can Actually Help Your Finances
News from Investing Answers:

Imagine a country where everyone owns everything outright — cars, houses, fishing boats, flat-screen TVs. There are no mortgages and no credit card balances in this imaginary land.

Does it sound like heaven? Perhaps. But in economists’ terms, it’s hell.

These days, Americans aren’t in debt heaven or hell; it’s more like purgatory because of the changing debt landscape since the dawn of the Great Recession. In August 2012 (the most recent month for which figures are available), Americans’ total borrowing — including car and student loans — jumped 8% to $ 2.73 trillion, according the Federal Reserve’s G.19 report on consumer credit. That’s an all-time high, an increase of 5% above the levels seen before the recession began. Credit card debt, meanwhile, shot up 5.9% to $ 855 billion. But even with that increase, Americans’ credit…………… continues on Investing Answers

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Money from credit card use repaid to West Monroe-West Ouachita chamber
News from Monroe News Star:

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Paying for Austin metered parking with a credit card could soon come with $ 1 …
News from Austin American-Statesman:

Keep some change in the car.

Using a credit or debit card at a city of Austin parking meter would cost at least a buck under a measure that the Austin City Council will consider Thursday. The change would go into effect Nov. 1.

A dollar buys an hour of time on an Austin meter. But that transaction, if done with a credit or debit card, also costs the city 25 cents, a fee charged by banks to process those charges that was 10 cents until federal law allowed the increase a year ago. The city said those fees increased almost $ 300,000 on total parking meter revenue of $ 7.2 million for the fiscal year that ended Sept. 30.

The city estimates that about 14 percent of the 34,000 monthly credit card transactions on parking meters are for periods shorter than an hour, including some in which the customer pays 25 cents for a 15-minute stay and the city in turn has to pay the entire 25 cents in a transaction fee.

People who foresee a short stay at a meter would still be able to use coins for a 15-, 30- or 45-minute interval, the city says. Or a person can buy an hour or more with a credit card, and then use the same sticker for a different spot as long as that parking falls within the time purchased.

The city will post signs about the change, parking enterprise manager Steve Grassfield said Tuesday, on its 700 or so pay stations and its 560 single-…………… continues on Austin American-Statesman

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Credit care: Use pre-bankruptcy counseling, required by law, to sort options
News from Arizona Daily Star:

2012-10-14T00:00:00Z Credit care: Use pre-bankruptcy counseling, required by law, to sort optionsTanisha Warner Creditcards.com Arizona Daily Star

Q: We have a home that does have equity, but we don’t want to sell because our credit is ruined and we won’t be able to get another home. We have only credit-card debt besides our home mortgage. We can’t pay all the cards. We have been trying for a long time and have paid them down a lot, but can’t any longer. Should we file bankruptcy? Can we keep our home when we file, or should we just stop paying the credit cards? We really want to keep our home!

A: Bankruptcy is certainly an option if you truly can’t pay your credit cards. However, because the laws changed in 2005, you may not qualify for a Chapter 7 filing, in which your credit-card debt would be eliminated in full. Unless your income is less than the median income for your state of residence, you would most likely instead have to file under Chapter 13, in which at least a portion of your credit-card debt would have to be repaid.

Should you file a Chapter 13, you would be allowed to keep your home. How much you would have to pay your creditors in a Chapter 13 filing would depen…………… continues on Arizona Daily Star

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2 sought in use of stolen credit card
News from Toledo Blade:

Home » News» Police & Fire
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Published: 10/13/2012

BLADE STAFF

Toledo Police are attempting to identify two suspects attempting to use a stolen credit card that was taken from a motor vehicle.

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