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Credit Cards
Remember that fabulous night out – Dinner! Drinks! — with a posse of your closest friends at one of those Michelin 5-star restaurants a couple of months back? Boy, what…
If you’re carrying high-interest credit card debt, a balance transfer can feel like a financial reset button. In simple terms, a balance transfer lets you move debt from one or…
You’re probably already past the well-intentioned warnings from experts about bankruptcy. “Don’t do it unless you have to.” “It’ll hurt at least as much as it helps.” “Make it the…
Americans are drowning in debt. If you want to know why, return to 1812. “We have met the enemy, and he is us.” That’s what Commodore Oliver Hazard Perry said…
When it comes to paying credit card bills, millions of Americans are just scraping by. They make only the minimum monthly payment, and that’s often a stretch. The good news…
Credit cards are wonderful inventions. They make purchasing anything convenient and nearly fraud-proof. They’re portable and online-friendly. Many offer rewards or cash back. When used properly, they help consumers build…
If your monthly credit card payments are choking your budget, you’re not alone. Almost half (48%) the credit card users in the U.S. carry a balance from one month to…
The two biggest reasons companies will deny you a credit card are low credit scores and poor credit history. Other reasons for credit card denial include low income and too…
Making the minimum payment on credit cards might seem like a friendly option in a month when money is short, but don’t mistake it for safely treading water. Yes, making…
You’re at the store. You’ve found the perfect purchase. It’s pricy, but so what? You’ve got plastic to pay for it, plastic that’s been burning a hole in your wallet/purse/pocket.…
Sources:
- N.A. (ND) Credit Card and Debit Card Fraud. Retrieved from https://www.occ.gov/topics/consumers-and-communities/consumer-protection/fraud-resources/credit-card-and-debit-card-fraud.html
- N.A. (ND) Debt Collection Scams. Retrieved from https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/debt-collection-and-relief/debt-collection-scams
- N.A. (2025, July 22) Identity Theft. Retrieved from https://www.usa.gov/identity-theft
- N.A. (ND) Debt Collection Fraud. Retrieved from https://www.occ.gov/topics/consumers-and-communities/consumer-protection/fraud-resources/debt-collection-fraud.html#
- N.A. (2025, October 15) Submit a complaint about a financial product or service. Retrieved from https://www.consumerfinance.gov/complaint/
- N.A. (2025, August) Credit Freezes and Fraud Alerts. Retrieved from https://consumer.ftc.gov/articles/credit-freezes-and-fraud-alerts
- N.A. (2025, November 13) How to place or lift a security freeze on your credit report. Retrieved from https://www.usa.gov/credit-freeze
- DeNicola, L. (2024, December 19) What Is a Fraud Alert? Retrieved from https://www.experian.com/blogs/ask-experian/what-is-a-fraud-alert/
- N.A. (2024, October) How to Protect Your Child from Identity Theft. Retrieved from https://consumer.ftc.gov/articles/how-protect-your-child-identity-theft
- Fragoso, J. (2024, August 5) How To Dispute Debts in My Name (That Aren’t Mine). Retrieved from https://www.aura.com/learn/debt-in-my-name-but-not-mine
- N.A. (2024, May 14) How do I tell if a debt collector is legitimate or a scam? Retrieved from https://www.consumerfinance.gov/ask-cfpb/how-do-i-tell-if-a-debt-collector-is-legitimate-or-a-scam-en-1699/
- Lazarus, A. (2023, March 1) Have you gotten a collection call about a debt you don’t recognize? Retrieved from https://consumer.ftc.gov/consumer-alerts/2020/09/have-you-gotten-collection-call-about-debt-you-dont-recognize#:
- N.A. (ND) Fraud in America: A 2025 Report on Scam Hotspots and Consumer Losses. Retrieved from https://www.ipx1031.com/fraud-data-study/