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Articles in Credit Cards

How to Avoid Credit Card Late Fees & Interest Charges
Wed, 09/24/14 | 7 Comments
How to Avoid Credit Card Late Fees & Interest Charges

Last week, I made the case for credit cards vs. debit cards.
There is one big caveat, which I gave towards the end of the post:
“You should only apply for and use credit cards if you …

Credit Cards Vs. Debit Cards: Why Millennials are Choosing the Wrong One
Mon, 09/15/14 | 41 Comments
Credit Cards Vs. Debit Cards: Why Millennials are Choosing the Wrong One

According to a Bankrate survey, 63% of millennials do not have a credit card, opting for debit cards or cash instead. This compares to 35% of adults over age 30.
What’s the deal? The survey didn’t …

Credit Karma Now Offers Free Credit Report Access!
Mon, 08/18/14 | 4 Comments
Credit Karma Now Offers Free Credit Report Access!

Longtime readers will know that I have been using Credit Karma to monitor my credit score for a while now. The free consumer credit information service (best way I can think of to describe it) built …

6% Cash Back on Groceries Again? Year 2 Results are in
Wed, 04/2/14 | 17 Comments
6% Cash Back on Groceries Again? Year 2 Results are in

2013 was my second full year of using the Blue Cash Preferred® Card from American Express as my primary card of choice for supermarket purchases. In my first full year of usage, I was able …

A Way to Look at Credit Card Debt that Should Scare you In to Beating it
Mon, 03/10/14 | 8 Comments
A Way to Look at Credit Card Debt that Should Scare you In to Beating it

The average credit card APR these days is ~15.4% (with many north of 20%).
Actually, with monthly compounding balances, the effective APR is almost 1 percentage point higher. So let’s say 16%.
What this means, in simple …

Make Online Purchases without THIS Rewards Card? You’re Losing Money
Mon, 12/16/13 | 18 Comments
Make Online Purchases without THIS Rewards Card? You’re Losing Money

I haven’t plugged a new credit card offering in over a year, as few (if any), have stood out from a pile of mediocrity.
But here’s one worth plugging, and one that I have added to …


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