1. The History of Credit Cards
The use of credit cards originated in the United States during the 1920s, when individual firms, such as oil companies and hotel
chains, began issuing them to customers. Read more...
2. What Credit Card Numbers Mean
The first digit of your credit card number is the Major Industry Identifier, which represents the category of entity which issued
your credit card. The first 6 digits of your credit card number form the issuer identifier. The final digit of your credit card
number is a check digit. Read more...
3. Glossary of Common Credit Card Terms
If you don't understand the language, you may be frustrated with credit card offers and statements. Here's what these frequently
used credit card terms mean. Read more...
4. The Basics of Credit Scores
A credit score is a number that is calculated based on your credit history to give lenders a simpler "lend/reject" answer for people
who are applying for credit or loans. Your credit score is calculated in a weighted formula. It uses the information in your credit
report. The number itself can range from 300 to 900. Here is an approximate breakdown of how it is determined.
5. Tricks to Boost Your Credit Score
It takes patience and persistence to bulid good credit. But there are a few sneaky ways to legitimately to boost your credit score.
Here are a few ways to do it. Read more...
6. How to Apply For Business Credit Cards Without Having a Business
Many business credit cards offer fabulous deals. Some of those deals are much better than those of consumer credit cards. But many
people stop short of applying for business credit cards because they mistakenly believe that they need to run a business to qualify
for a business credit card. This is not the case. Anyone can apply for business credit cards even if they are not part of a
corporation or LLC. Read more...
7. Choosing and Using Credit Cards
Shopping around for a credit card can save you money on interest and fees. This information can help you understand the features of
credit cards, compare credit card features and costs, know your rights when using your credit card, file a complaint if you have a
problem with your credit card. Read more...
8. What Your Credit Report Says About You?
A credit report is a record of your credit activities. It lists any credit-card accounts or loans
you may have, the balances, and how regularly you make your payments.
9. Your Credit Rights: Accessing Your Free Credit Report
Thanks to a new federal law, you are now entitled to receive one free credit report every 12 months
from each of the nationwide consumer credit reporting companies - Equifax, Experian and
TransUnion. Read more...
10. How To Dispute a Credit Card Bill for Merchandise You Never Received?
What do you do when you get a credit card bill but no merchandise? You are protected by the Fair Credit Billing Act (FCBA) against
merchants charging a credit card account without delivering the merchandise.
11. Credit Card Loss Protection Offers: They're the Real Steal
Don't buy the "loss protection" insurance. Telephone scam artists are lying to get people to buy worthless credit card loss protection
and insurance programs. According to the Federal Trade Commission, your liability for unauthorized charges is limited to $50.
12. Fighting Back Against Identity Theft
Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you
can't entirely control whether you will become a victim, there are steps you can take to minimize your risk.