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Zip Codes and Credit Cards: Security or Marketing Scam?

Giving your zip code along with a credit card purchase is common practice. It happens at the grocery store, at the gas station, at some of your favorite clothing shops. Most of us don't think twice about it; other more paranoid patrons will give a fake zip if they can get away with it. But what are those paranoid purchasers so scared of? Why do stores ask for your zip code in the first place?

7 Tips for Getting Your First Credit Card

So you've finally decided to join the real world and open up your first credit card. Congratulations! No, seriously, you're making an excellent decision.  While you may be disappointed that the simplicity of life without any bills is over, you'll be patting yourself on the back in a few years when you realize the good credit score you've built up has given you greater financial flexibility to make major life purchases. That is, if you use your credit wisely.  Credit cards can be a responsible user's best friend, but a living nightmare for those who are careless with their spending habits. So how can you make sure your credit card is a positive force in your life?  Here are seven great tips on getting your first credit card and starting your credit off right.

New Credit Card Rules Shun Stay-at-home Moms

[caption id="attachment_2894" align="alignleft" width="231" caption=" "]stay at home moms[/caption]

I was raised by a full-time mom. She was incredible. In fact, my Dad used to always say that she deserved a salary much higher than his for all she accomplished around the home.

Of course, that doesn't mean he put her on payroll, but she always had what she needed to spend on food, the kids, and herself. His income was her income, and that worked for us, as it does for millions of other families.

Top 5 Funniest Celebrity Credit Card Ads

The 2011 Academy Awards are fast approaching. With celebrities top of mind, we thought it fitting to present our own award ceremony of sorts - the top 5 credit card ads featuring celebs of all time.

Credit Cards of the Future... Today!

What if you could access all of your credit accounts using one credit card?

Ask Creditnet: What to Do When You Have "Too Much Open Credit"

discover credit card
Dear Creditnet: I recently applied for a 0% interest credit card and was declined because I apparently have "too much open credit." What exactly does this mean?

I have good credit and pay all my bills on time, so I was really surprised when I got declined. What should I do next?

Debit vs Credit: A Cage Match

Upon entering the ring, the debit card and the credit card look pretty evenly matched. They are the same size and the same shape. Their functions are also similar: electronically transferring money from one owner to another. But when pitted against each other in a head-to-head match, who will come out on top?

Credit Cards & the Dodd-Frank Wall Street Reform and Consumer Protection Act

Obama signs Wall Street Reform and Consumer Protection Act

On July 21 of last year, President Obama signed the Wall Street Reform and Consumer Protection Act in response to the worst economic collapse since the Great Depression. The act contains many provisions aimed at better regulation and oversight of the financial industry, and it was primarily penned by former Senator Chris Dodd of Connecticut and Representative Barney Frank of Massachusetts.

Give the Gift of Good Credit This Valentine's Day

[caption id="attachment_2706" align="alignnone" width="500" caption=" "]valentines day candyPhoto by HurricaneMaine[/caption]

You have amazing credit. Your Valentines's credit stinks.

It's a common occurrence these days, but did you know it's one that you can easily do something about?

Forget about the overpriced stuffed animals, waxy chocolate, and expensive dinners this Valentine's day, and give your partner something that will really change his/her future forever. Lend your excellent credit score! Here's how:

NFC Technology: Is a Credit Card Free Future Near?

Even if this year's iPhone 5 doesn't incorporate the much-hyped Near Field Communication (NFC) capabilities, a future without credit cards is pretty much guaranteed. But don't go cutting up your prized plastic just yet. A complete system overhaul is still a ways off.

How is a credit phone possible?

NFC – the tiny chip inserted in your smartphone or smart device that allows a purchase or transaction to be made simply by waving your device near a reader – has been a hugely successful technology in some parts of Asia and, in a much more limited scope, have popped up here and there in the US and Europe. The chips can send and receive data, and if attached to your bank account will deduct payment on the go, letting you charge as you chat.

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