Credit Cards

Credit Cards

5 Ways to Save Money with Credit Cards

Credit card issuers proved to us in 2011 that they are once again prepared to compete for the best customers by offering some amazing sign-up bonuses. Based on what we've seen so far this year, I think we can expect to see more of the same throughout 2012, but taking advantage of sign-up bonuses and earning rewards for the money you spend aren't the only ways you can profit from credit cards. Here are 5 ways credit cards can actually help keep more cash in your bank account this year:

BillGuard Fights Unwanted Credit Card Charges

Have you ever looked at a charge on your credit card statement and thought "what the heck is that?" If so, you're certainly not alone. Double charges, hidden fees, unauthorized purchases, and zombie subscriptions that were canceled months ago can plague anyone's credit card bill.

Student Credit Cards: Do You Really Need a Co-Signer?

Amex Blue Card

The Credit Card Act of 2009 bans credit cards for young adults under the age of 21 unless they can show proof of sufficient income or secure a co-signer. Most students are aware of this change now that it's been a few years since the act was signed into law, but what's confusing is there are still plenty of student credit cards on the market that claim "no co-signer is required."

I was even confused the first time I saw this offered after the new rules took effect, so what's the deal? Are co-signatures really required or not for student credit cards?

Will You Pay the Tax Man with Plastic?

IRS Form 1040 I pay for every expense I possibly can in life with my credit cards, but I've never paid taxes with plastic. Paying the tax man is painful enough in the first place, so I simply can't come to terms with handing over a dime more than I have to for the "convenience" of using a credit card. I'd rather use whatever free method of payment still exists. In fact, e-filing and setting up a free electronic funds withdrawal from my checking account feels just as convenient to me anyway.

Credit isn't Debt!

It's time for a bit of a Friday rant. I apologize in advance, but I get so tired of listening to people talk about credit as if it's synonymous with debt. It happens to be one of my biggest pet peeves, and I've heard it way too much lately, so I think it's about time I vent some frustration and set the record straight. Begin rant.

Credit Card Deals for Valentine's Day Flowers

You can't get away with skipping out on flowers for Valentine's day. So don't even try to talk yourself into believing the dinner reservation you managed to land at the fanciest restaurant in town is a good enough effort this year. Sorry—it's not. Show up to meet your date without flowers of some kind in hand, and you're special someone will most likely feel a bit slighted. Retailers are obviously in on the secret too, which is why a dozen roses can run somewhere close to $100 around Valentine's Day. Fortunately, if you whip out the right kind of rewards credit card to make your last-minute flower purchase online, you can make sure your wallet feels a bit of Valentine's Day love this year as well.

Chase Freedom Card Offers $75 Cash Back at Amazon.com

Do you have some post-holiday shopping you've been wanting to do for yourself? If so, Chase just announced a great new promotion for Chase Freedom cardholders to kick off 2012.  When you shop at Amazon.com from 1/1/12 through 3/31/12, you can earn 5% cash back on up to $1,500 in purchases.  That's $75 cash back, which is really a great deal for a credit card with no annual fee.

How to Get More from Your Credit Cards via Social Media

 Anyone who has ever tried to choose between dozens of rewards credit cards knows just how confusing it can be. There are different amounts of points given, different types of points given, and different rewards given.  Figuring out which card is best for your situation can be a time consuming, never-ending process! But what if I told you that some of the best credit card perks don't even come from the rewards program you pick?  In fact, credit card companies are actually giving away some of the most valuable benefits just for being their friend.

To Pin or Not to Pin

chip and pin credit cards If life takes Visa, and Mastercard covers everything except those priceless moments money can’t buy, then all I need to enjoy my trip overseas is my credit card, right? Not necessarily, as some Americans have found during trips abroad over the past few years by getting stuck in train stations or embarrassed in restaurants and shops when their credit cards are declined. This can happen even when travelers take the recommended precautions, like making sure their accounts are in good standing and contacting their card issuer before the trip to make sure fraud detection safeguards aren’t activated by the first overseas purchase.

Shopping Online? Don't Store Your Credit Card Information

 Most of your favorite shopping sites will allow you to store credit card information in order to speed up the checkout process.  Online retailers know this added feature not only saves customers time, but it also helps move a lot more "browsers" to actual buyers.  It's a win-win for merchants. Unfortunately, the problem for consumers is that storing your credit card information on a retailer's servers leaves your personal credit card data at risk.  How much risk?  Well, here's a scary statistic for you.

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