Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn was President of Creditnet, is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

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Recent Blogs

New Chase Slate: No Balance Transfer Fee and 0% Interest for 15 Months

Searching for the best balance transfer credit cards n the market in 2012? Don't overlook the new Chase Slate Card with No Balance Transfer Fee.

Citi ThankYou Card: Now with 0% Interest!

(Update: The below offers may have changed since time of publication. For complete offer details, check out Creditnet.com's updated list of available Citibank credit cards.)

I've been a long-time fan of the Citi ThankYou Cards. In fact, I've personally used the Premier version of the card since 2007 and have blogged many times about why the Citi ThankYou Premier card makes me smile. While the rewards program definitely isn't as lucrative as it was back in 2007, my wife and I still continue to rack up a lot of points on this card and redeem them for some pretty spectacular travel deals. For example, last year we booked $2,400 worth of tickets to the Cayman Islands for only 120,000 points through the ThankYou Network.

IRS Says Credit Card Sign-Up Bonuses are Taxable

Before you begin cursing the IRS for trying to dig even deeper into your pockets, let me make it clear that the tax law hasn't changed. Traditional rewards earned by making purchases with credit cards are still considered tax-free. You can rack up as many points as possible on your purchases without worrying about a 1099-MISC for the value of the rewards mysteriously showing up in the mail.

Ask Creditnet: Will Employers Pull My Credit Scores?

Dear Creditnet: I lost my job a year ago and have been unable to find full-time work ever since. I've also fallen behind on my bills during the past 6 months, which has really trashed my credit scores. I think my FICO scores are now below 600. I've heard that employers can pull credit scores when reviewing a job application. Is this true? If it is, this may be one reason I keep getting turned down for new jobs. Is there any way to avoid this?

Discover More Extends $0 Balance Transfer Fee Deal Through February

I blogged about the Discover More Card - $0 Balance Transfer Fee deal when it was first launched just after the new year. At the time, Discover wouldn't say anything more about how long the deal would last other than it was a "limited-time offer". What credit card offer isn't, right?

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