Wallaby’s iPhone App Tells You Which Credit Card To Use To Maximize Your …
News from TechCrunch:

When reviewing a new iPhone application called Glyph earlier this week that tells you which credit card to use in order to earn the best rewards, we mentioned that a competitor in this space, Wallaby, was doing something similar. As of this morning, however, it’s not just doing something similar – it’s doing the exact same thing. Today, Wallaby is also introducing its own iPhone application which also tells you which card to use at checkout in order to earn the best rewards, whether that’s travel or hotel points, cash back, loyalty points, or any other supported rewards program.

Despite the timing, the launch of Wallaby’s app isn’t a reaction to Glyph’s debut. iPhone apps like this aren’t coded overnight, and Wallaby’s app has been in the approval queue with Apple since November 5th. Instead, it’s as Wallaby CEO Matthew Goldman explains: there aren’t really that many original ideas, it’s all about how well you execute and grow, and a lot of other factors.

… Read the full article

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Stolen credit card use brings theft charges, police say
News from Wisconsin State Journal:

A Madison woman was arrested after allegedly charging more than $ 1,200 in merchandise on a stolen credit card, Madison police reported.

Myisha Britt, 31, was tentatively charged with theft of a credit card, fraudulent use of a credit card and forgery-uttering documents, police said in a news release.

Britt was arrested on Thursday after police looked at surveillance video on Tuesday from different Madison-area stores and saw a woman later identified as Britt using the card, according to the release.

The credit card company notified the card owner, a 43-year-old Stoughton woman, about the charges and that gave them a lead to Britt.

…………… continues on Wisconsin State Journal
… Read the full article

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Avoiding credit card debt this holiday

Posted by administrator | 16/11/12 | Tagged Credit Card Debt

Avoiding credit card debt this holiday
News from WWLP 22News:

Updated: Thursday, 15 Nov 2012, 7:39 PM EST
Published : Thursday, 15 Nov 2012, 6:32 PM EST

HOLYOKE, Mass. (WWLP) – The season of spending is here–which for some–brings an onslaught of financial stress. Every year, shoppers are warned about what can happen if they go too far with their gift-giving.

Steve Curylo of Chicopee knows firsthand. “I maxed out a couple of times, some years ago, and it wasn’t a good scene”, said Curylo.

Holiday debt is something many end up paying for later. But there are things you can do to keep yourself in-check.

Before you head to the store, and start working on that Christmas list, make sure you set a budget for yourself–and stick it it. Don’t wait until the New Year to see if you stayed within your limit.

Also, be cautious of those store credit cards they offer you at check-out. “The positive that they try to sell you on at the register, is that you can get 10 or 15% off right away…and that is very enticing”, says credit card expert Beverly Harzog. But shoppers should read the card agreement first, and make sure to find out what the interest rate is. If you don’t plan on pay ing off your balance right away, high interest rates can run you into trouble.

On the other hand, if you don’t want to take on another charge card, you can always save with coupons. That’s how Lisa Sebastyn of Granby lik…………… continues on WWLP 22News

… Read the full article

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Credit cards for stay-at-home spouses
News from Pittsburgh Post Gazette:

A change in the way credit card companies operate that was intended to keep young people from running up debt has had the unintended consequence of making it harder for stay-at-home spouses to get plastic in their own names.

One of the fine points included in the Credit Card Act of 2009 was an ability-to-pay provision that requires credit card issuers to evaluate whether applicants will be able to make monthly minimum payments in light of their independent income and debt obligations. This specifically impacts 16 million stay-at-home spouses who do not have any personal income to report.

“This provision in the Card Act was originally intended to stop college kids and young adults from using their parent’s income to get a credit card and charge lots of debt in their own name,” said Bill Hardekopf, CEO of Lowcards.com in Birmingham, Ala.

“The provision says you have to show your own income to get a card. It was done because college kids were ringing up way too much debt.”

What lawmakers did not realize is that the rule requiring independent income penalized stay-at-home spouses, and it wasn’t long before there was an outcry from that population.

Now the Consumer Financial Protection Bureau has proposed new legislation to reverse that part of the Card Act and allow the stay-at-home spouse or partner to rely on shared income when applying…………… continues on Pittsburgh Post Gazette

… Read the full article

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