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

Ask Creditnet: Credit Cards without Foreign Exchange Fees

Dear Creditnet: I know Capital One credit cards don't charge foreign exchange fees, but I'm frankly not a big fan of Capital One. Are there any other credit issuers offering the same perk with a no annual fee credit card? I travel overseas a lot for both play and work, so a credit card with no foreign exchange fees would save me a lot of dough.

How to Protect Your Credit from Identity Theft

Black Friday is just around the corner!  And whether that conjures up feelings of intense excitement or the urge to lose your lunch, the fact is you'll probably spend more time over the next few months than any other season wandering through crowded malls and surfing the web for the perfect gift. To an identity thief, this means one thing—extra opportunities to nab your credit card information and put a real damper on your holiday cheer! So be a smart shopper this year and take some additional precautions to protect yourself from identity theft and ensure your bank accounts, credit reports and credit scores stay safe and sound.

Amazon Card Trumps AmEx Rewards at

 Remember AmEx's announcement early this year that cardholders could now use membership rewards points to pay their taxes? Since it's always annoyed me that we can't pay taxes with a credit card for free, I, for one, was excited when I heard there was a new option for paying taxes online. That is, until I dug a little deeper into the conversion rate and realized what a waste it would be to drop 200 rewards points for every $1 in taxes due. That's 400,000 points for a $2,000 tax bill—ridiculous!

Don't Miss Out on National Protect Your Identity Week!

[caption id="attachment_1849" align="alignleft" width="300" caption=" "]Identity Theft- National Protect Your Identity Week[/caption] I can't believe National Protect Your Identity Week is almost over. I mean, it's almost like it didn't even happen this year. Such a shame. I did make a noble attempt to keep the holiday spirit alive by wishing some random people in the grocery store a "Merry Protect Your Identity Week" last night, but I wasn't feeling the love. All I received in response were some awkward stares and a completely empty aisle to compare my cereal options in peace. Come on people! Don't you care about identity theft?

Ask Creditnet: Don't Rely on USPS as Payment Reminder

The USPS Dear Creditnet: I recently began helping an elderly neighbor pay his bills. One credit card statement arrived today and indicated that his payment is due in just 18 days. They also request that it be mailed at least 7 to 10 days in advance to avoid a late payment fee, so that only gives him 11 days to cut a check and get it in the mail. This just doesn't sound right to me. Am I wrong? Answer: I wish my grandparents had a neighbor like you. Kudos for lending a helping hand. Your neighbor's credit issuer will need to receive payment by the due date or they will most likely charge a late fee and begin charging interest on the existing balance as well. That's why they're suggesting you send payment at least a week or so in advance. Unfortunately, the mail can be quite slow sometimes.