Thursday, May 19, 2016

Confessions of credit card customer service reps

 
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'Cashing In’ by Tony Mecia
Ditch airline card for bank rewards or Costco card?
How to evaluate the benefits, costs and your preferences to find the right rewards card.



 
'Speaking of Credit’ by Barry Paperno 
Some states have exceptions to credit reporting rules
Negative items can come off your report sooner in New York, California.



 
'Credit Smart’ by Susan Keating 
Card issuer can't garnish your Social Security check
Contact the company and ask about a hardship program.
Google restricts payday loan display ads
Just after new regulations for payday lenders, the search engine giant offered its own crackdown on predatory lenders.

So many subscriptions, so much wasted money
Subscriptions offer convenience, but these recurring charges tend to be ignored when the services are no longer necessary.
Rate Report 
Credit Card Rate Report as of 5/19/16

National average 15.19% 
Low interest 11.96%
Business 13.12%
Student 13.42%
Balance Transfer 14.39%
Airline 15.17%
Cash Back 15.30%
Reward 15.30%
Instant approval 18.04%
Bad credit 22.56%
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Thursday, May 12, 2016

Best travel rewards credit cards: Spring 2016

 
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'Cashing In’ by Tony Mecia
What to do when strange charges appear on bill
If there is a charge on your bill that you did not authorize, you should contact your issuer immediately.



 
'Opening Credits’ by Erica Sandberg 
Low utilization boosts balance transfer approval odds
Zero percent balance transfer deals are often reserved for those with high credit scores.



 
'Credit Smart’ by Susan Keating 
Don't close accounts after paying card debt
Using a cash-out refi to pay off card debt? Great. Closing the accounts after? Not so great.
$3,000 mystery: AmEx sends big refund, little explanation
One AmEx customer was surprised to get a big check, and an initial call to the issuer left more questions than answers.

Millennials will switch to credit cards over time
Many young adults prefer debit to credit, but chances are, they won't feel that way the rest of their lives.
Rate Report 
Credit Card Rate Report as of 5/12/16

National average 15.19% 
Low interest 11.96%
Business 13.12%
Student 13.42%
Balance Transfer 14.39%
Airline 15.17%
Cash Back 15.30%
Reward 15.30%
Instant approval 18.04%
Bad credit 22.56%
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Thursday, May 5, 2016

Shopping beacons with targeted marketing messages expand

 
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'Cashing In’ by Tony Mecia
British Airways Avios program confusing yet useful
Avios can be hard to understand but offer a strong value on some flights.



 
'To Her Credit’ by Sally Herigstad 
Quick fixes for temporary repayment problem
When life throws a curveball and you can't pay your bills one month, here's what you can do.



 
'Credit Smart’ by Susan Keating 
How to tell if a debt is too old to collect
Time determines if a debt can legally be collected, but you have to know the dates.
Lawmakers, regulators target prepaid card overdraft fees
The end might be near for prepaid cards that charge hefty overdrafts fees on accounts as bill makes its way through the senate.

Luxury vacation offer may be a scam
Fraudsters have been sending out too-good-to-be-true summer vacation deals in the hopes consumers will fork over money for the fake resort trips.
Rate Report 
Credit Card Rate Report as of 5/05/16

National average 15.19% 
Low interest 11.96%
Business 13.12%
Student 13.42%
Balance Transfer 14.39%
Airline 15.17%
Cash Back 15.30%
Reward 15.30%
Instant approval 18.04%
Bad credit 22.56%
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