Americans who eagerly await their benefit checks from the government each month can now breathe a sigh of relief. Government agencies have now started automatically loading the benefit funds onto the prepaid accounts of the beneficiaries to make way for seamless transactions and reduce the wait time. The increasing demand from the government agencies and [...]
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Credit Card NEWS
Banks report fall in late payments and defaults
[June 2nd, 2011]The recent reports that have come in have revealed that five out of the six major banks that issue credit cards to consumers have reported a fall in the number of late payments and defaults. The only exception was the Bank of America that reported an increase in the number of defaults for the month [...]
Bank of America in the spotlight, courtesy hike in fees
[May 20th, 2011]Bank of America has now come under the spotlight after announcing the new penalty that will be levied on card holders a couple of months down the line. Based in North Carolina, this bank said that penalty rate which amounts to 29.99% of the future purchases will be levied on bank holders once their accounts [...]
Balance transfer credit cards now get better consumer protection
[May 7th, 2011]A new set of rules and regulations were approved by the Federal Reserve recently. These rules are targeted towards closing the loopholes left ignored by the CARD Act that came into effect in two phases in 2009 and 2010. Despite the CARD Act coming into play, consumers still felt cheated out in certain aspects because [...]
Be cautious while applying for low APR credit cards
[April 20th, 2011]It is beyond doubt that low APR credit cards have a lot of takers because of the benefits that come with the territory. However, it is also important to note that a number of credit card lenders are making use of this weakness of people to lure them into applying for their credit cards terming [...]
Bad credit rating does not necessarily mean financial roadblock
[April 9th, 2011]If getting credit cards before the CARD Act in 2009 was tough, things just got tougher once it came into effect. Those with a bad credit rating were the most effected with all banks and financial institutions shutting their doors on them and dumping their application forms in the trash can. While this kind of [...]
Reward offers are increasingly being used by credit card issuers to woo customers
[March 30th, 2011]Credit card companies are using a wide range of tactics such as reward offers to entice customers. Some of these cards are promoting cash-back offers of around 5%, while there are others that offer generous rewards incentives as well as free airline miles. Andrew Davidson, who is the senior vice president at the Mintel Compermedia, [...]
Cards that bring smiles to faces of people with limited credit history
[March 22nd, 2011]The recession has taught a critical lesson to all financial institutions and made them realize the importance of being prudent while issuing credit cards and subprime loans and mortgages. Though most banks are being careful while issuing credit cards, there are a few banks that are willing to offer them to people with limited or [...]
Capital one offers people with fair credit a chance to smile
[March 18th, 2011]One of the toughest aspects having an average, or fair credit, is finding the right credit cards that not only meet the requirements of the applicant, but also offer reasonable interest rates. Unfortunately, most card holders with fair credit lost access to credit cards when the banks tightened their rules. Now, Capital One offers people [...]
Getting low APR credit cards that do make a difference
[March 10th, 2011]With technology developing in leaps and bounds each passing day, credit cards have become an integral part of our wallets. There are innumerable credit card lenders in the market fighting tooth and nail to increase the customer base. One of the strategies that have always worked in their favor is providing low APR credit cards. [...]
