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

Here's everything you need to know about how they work and how to avoid the bad ones that charge excessive fees.

Programs that promise to make your credit card payments if you're sick or laid off come with lots of rules and meager benefits.

Customers may no longer be required to settle disputes before mediators that almost always side with their credit cards.

Where you live, work and shop is being scrutinized to determine whether to cut your credit limit.

Credit cards are forcing customers into variable-rates even though that will result in higher interest charges.

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NEW YORK - For Citibank credit card holders, there is one way to escape the bank's rate hikes currently under way: Meet a monthly spending requirement.

Nov. 19--In business, sometimes opposites do attract.

The percentage of consumers who will pay for holiday gifts with cash or debit cards instead of credit cards is expected to rise this year, a trend that could further depress holiday sales.

WASHINGTON - Banks will have to secure their customers' consent before charging large overdraft fees on ATM and debit card transactions, according to a new rule announced Thursday by the Federal Reserve.

WASHINGTON - Consumer advocates on Tuesday urged Congress to move forward on legislation to curb bank practices under which a cup of coffee bought with an overextended debit card can turn into a $40 expense.

Nov. 8--Credit cards are undergoing the most sweeping changes in decades, brought on by both the poor economy and a wave of consumer-centric legislation.

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

Here's what to do if your credit card says it's doubling or tripling your interest rate for no good reason.

Go to the Web site created by the three big credit agencies so you can get your record once a year.

They're aimed at more affluent customers who buy more and default less than the average cardholder.

If you're buried in bills, you need professional help to review your finances and help you get out of debt.

Companies must give 45 days' notice before raising interest rates or making significant changes in terms.

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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
11/20/2009 4:57:00 PM