I created this special section of the site to help you find news and reviews on credit cards currently available. As Sy Syms, the clothier, always used to say, “An educated consumer is the best customer.” Hopefully the credit card reviews section of this site will help you to make good decisions about what credit cards are good deals and which should be avoided.
Using a credit card to send money on Venmo triggers a cash advance at most major banks — stacking Venmo’s 3% fee on top of your bank’s cash advance fee and immediate interest at up to 29% APR. Here’s which banks do it, which don’t, and how to avoid it.
The Iran ceasefire was extended but the naval blockade stays, oil is above $100, and gas prices are not coming down. Every month you carry the extra cost on credit cards at 24% APR, the hole gets deeper. Here is what to do now.
Synchrony just posted $805M in profit. If you have a store credit card with a promotional balance, the deferred interest trap is about to spring.
A consumer has filed a federal Fair Credit Reporting Act lawsuit against Concora Credit Inc., the company behind the Indigo credit card. The case adds to 2,563 BBB complaints against the company.
A bankruptcy attorney is the most powerful credit card debt lawyer you can hire — the automatic stay stops all collection the moment you file. But there are four types, and the right one depends on your situation.
Quick Answer: Retail credit cards pose significant bankruptcy risk due to predatory practices targeting subprime borrowers with interest rates up to 36% APR. Major issuers like Synchrony and Capital One raised rates preemptively when late fee caps were proposed, then kept both high rates and old fees when regulations failed.You walk into Macy’s for a …
Quick Answer: Credit One built a $4.8 billion empire by targeting financially vulnerable Americans with predatory credit cards loaded with excessive fees for basic services like phone payments and balance checks. The company profits most from customers with poor credit who can least afford the avalanche of charges and aggressive collection practices.Imagine this.You’re behind on …
Quick Answer: PenFed made the credit limit reduction decision using their internal risk algorithm, not Equifax, which only provided the credit report data. Despite Denise’s perfect payment history and increased income, credit card companies can cut limits based on their own risk assessments even when customers do everything right. Reader Question from Debt-free Denise “I …
Quick Answer: Chase credit card agreements are legitimate legal documents, but the premium travel/rewards cards carry significant costs including up to $550 annual fees and APRs ranging from 19.24%-28.49%. Cardholders should particularly note the arbitration clause and rewards forfeiture policies that could result in losing all earned points.Hey there, Steve here—and if you’re holding a …
Quick Answer: The Chase Visa Cardholder Agreement (COL00095) features variable APRs of 19.24%-28.24% for purchases and balance transfers, while cash advances carry a steep 29.24% rate with no grace period. Key risks include penalty APRs up to 29.99% that can apply indefinitely after late payments. This isn’t just a post about credit cards. This is …
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