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Credit Cards
8 smart moves to avoid the pitfalls and find the best deal on a new credit card
Follow our guide for avoiding the come-ons and distractions ...
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CREDIT CARD FEATURES
New regulations should put an end to these abusive fees and rules, which have angered customers for years.

You can save a bundle by using only a couple of cards that offer the lowest rates, cheapest fees and most valuable perks.

Moving your debt to a card that charges 0% interest is a good way to save money and reduce your balance.

They come with higher interest rates, tougher terms and less generous reward programs than most bank cards.

They're designed for consumers with bad credit who can't qualify for a standard credit card.

Here's how to stop piling up more bills and ditch that "buy now, worry later" attitude that keeps you mired in debt.

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Mar. 11--Sweeping credit card reforms that kicked in Feb. 22 promised to snuff out the card industry's most abusive practices, but experts say it's no time for consumers to let their guard down.

In a significant policy reversal, the USA's largest bank plans will stop allowing consumers to overdraw their checking accounts with one-time debit card transactions.

NEW YORK - With unemployment high and personal wealth diminished, how was it that strapped consumers were paying down their credit card debt last year?

Mar. 9--LifeLock Inc., the identity theft protection company whose ads have widely aired on TV, radio and in print, must cease "misrepresenting and overstating" its services, according to a settlement announced Tuesday by state and federal officials.

Last week, the Federal Reserve Board proposed rules that would prohibit credit card issuers from charging customers an inactivity fee for failing to make new purchases with their card.

In the latest move to overhaul consumer banking practices, the Federal Reserve unveiled a preliminary rule last week to address pesky credit card fees such as late and over-limit charges.

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Buying everything with a predetermined amount of cash is one way to stay within a budget.

Their long list of conditions means it won't be easy to get the extra protection you're paying for.

Call the card's customer service number or look for terms and conditions online.

They're almost always poor choices because of their crummy terms and high interest rates.

Cash-back offers actually come from membership clubs that will add unexpected charges to your monthly bill.

In this economy, you need a card that charges 12% APR or less on purchases and no annual fee.

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CREDIT CARD CALCULATORS
Payoff a credit card
Create a repayment plan for a single card.
Payoff all your cards
Find the fastest, cheapest way to wipeout the balance on all your cards.
Minimum payment calculator
See how long it will take to payoff your cards if you only make the minimum monthly payment.
Balance transfer calculator
Devise a money-saving plan to shift your debt from high-interest to low-interest cards.
Debt consolidation calculator
Determine how much you can save by consolidating bills into a home equity loan.
Borrow against your home
See how big a home equity line of credit you can qualify for to payoff your credit cards.
Does a cash-out refi make sense?
Calculate what it would cost to consolidate credit card and auto debt into a new mortgage.
Consolidate your student loans
Forecast the savings and how it can be used to payoff credit cards and other high-cost loans.
Compare your cards
See which have the best rates and terms.
Transferring credit card balances
Here’s all the information you’ll need to ensure a smooth transition to a new card.
Ask for a lower rate on your credit cards
Follow our script and record the results of every conversation.
"No more late fees" work sheet
Keep track of when your credit card bills are due, how much you owe and how much you've paid.
Essential info work sheet
Know exactly where to go if any of your cards is lost or stolen.
4 steps to cancel a credit card
This work sheet walks you through the process of closing an account without denting your credit score.
What to tell the credit card company
This form letter covers all the legalities for closing an account and informing the credit reporting agencies.
Fix credit report mistakes
Use this form letter to dispute errors.
CREDIT CARD WORK SHEETS
CREDIT CARD Q&A
National credit card rates
3/21/2010 3:56:09 PM