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Best Credit Cards for Bad Credit

One of the most common questions I receive from Creditnet readers is "How can I rebuild my bad credit?"  My responses generally include several suggestions, but the first recommendation I give is always the same- you need to build positive payment history. Sure, there are quite a few other tricks you can try that may provide short-term credit score boosts, but building positive payment history will have more of a lasting effect on your FICO scores than anything else.

The Best Gas Credit Card for Summer Road Trips

TrueEarnings® Card from Costco and American Express There's no doubt you felt some pain at the pump this weekend if you hit the road for a 4th of July getaway. With the national average for a gallon of regular gas hovering around $3.57, even Prius owners can be overheard complaining about gas prices these days. But the big question is where will prices head the remainder of the year? While no one really knows, I think it's safe to say we'll all be better off if we seek ways to limit our gas consumption and prepare for higher prices to stick around permanently. I've had several friends completely ditch their cars this year in exchange for bikes, but I also live in a city that makes this switch fairly easy. Even without a bike, you can get around just fine in Seattle on foot and public transportation. For many though, ditching their cars just isn't a feasible option, so we turn to gas rebate credit cards as an excellent way to at least ease some of the pain at the pump. If you're on the hunt for the best gas credit cards, here's my pick for the one card that truly stands out among the rest:

Luxury Metal Credit Cards: How to Get One

Credit cards can certainly serve as a status symbol. Why do you think so many Visa commercials feature a James Bond-esque motif? In particular, credit cards made of metal have long been a symbol of wealth and luxury. Now, such cards are extremely limited (many believe there are less than 10,000 in circulation), and they are generally distributed by invitation only.

Citi ThankYou Premier Card Still Makes Me Smile

Citi ThankYou Premier Card A few years ago I wrote about how the Citi PremierPass Elite card makes me smile every time I use it. Well, unfortunately I was forced to stop using it since my beloved card no longer exists.  It must have been too good because Citi scrapped it! However, I am happy to report that Citibank recently replaced my card with one that still makes me smile for many reasons.  So here's why the Citi ThankYou Premier Card remains a top choice in my wallet:

May the 4th Be With You: Best Star Wars Stuff Money Can Buy

Jedi fans will be roaming college campuses and city streets tomorrow wielding lightsabers and sporting their most authentic costumes in celebration of the unofficial Star Wars Day, May 4th.

Stemming from a play on one of the film's most popular quotes, "May the Force be with you", fans worldwide have twisted the phrase into "May the 4th be with you" and set aside this day to honor all things Star Wars. So don't be alarmed if you see people speaking weird guttural languages to each other, trying to open their car doors using the Force, or acting like their arm just got cut off in a lightsaber duel. It's all part of the fun.

For a true Star Wars fan, however, the celebration lasts longer than a single day.  You may have been embarrassed about your obsession with Jar Jar Binks action figures when you were in high school, but now that you're in college, there's no shame in letting your true colors shine through. In fact, there's nothing quite like surrounding yourself year round with the best Star Wars memorabilia student credit cards can buy.

Here are five collectibles that are sure to draw the envy of your fellow Star Wars geeks for many years to come:

1.) Yoda Backpack

Yoda Star Wars Back Pack

Most Credit Cardholders Dissatisfied With Rewards Programs

Capital One released results a few weeks ago from its very first "Rewards Barometer", a new survey to be conducted each quarter that seeks to evaluate consumers' opinions about their credit card rewards programs. What Capital One found was that the vast majority of people who use rewards credit cards, 78 percent to be exact, aren't completely satisfied with their rewards programs. Big surprise, eh?

The Tax Man Cometh! How to File an Extension

Tax Day 2011If you haven't heard yet, your fellow Americans in the District of Columbia celebrated a holiday on April 15th.  Emancipation Day, which marks the day President Lincoln signed a law in 1862 that freed over 3,000 slaves in D.C., is usually observed on April 16th but was moved to the 15th this year so it wouldn't fall on a weekend.

By law, local holidays in D.C. affect tax deadlines the same way federal holidays do.  So this means that your federal income taxes aren't due until today, April 18th.  You got an entire extra weekend to pay the tax man! I hope you took advantage of it.

But what if you still haven't gotten your act together in time to file your income tax return?  No need to worry, because you always have the option to file an extension and get a reprieve until October.

Credit: What's Love Got to Do With It?

Live, Laugh, Love. Three simple verbs, yet many have deemed them the motto of their life. I used to think it was pretty cheesy, but when I took a second to think of the deeper meaning behind these words, I realized it’s not such a bad motto to use.  So what does it have to do with your credit? Well, everything.

Capital One Ends Match My Miles: 1 Billion Miles Are Gone

Capital One announced early this morning that they've hit the one billion mile mark and have brought the Capital One Venture card "Match My Miles" program to a close. Originally slated to run through May 13th, the offer was obviously popular as it took less than a month to match all the free miles they were willing to give away. At a cost to Capital One of $.01 per mile, that's a mere $10 million, not including whatever they paid Alec Baldwin to have his face plastered all over your TV throughout March Madness.  Based upon the incredible popularity of the card, it sounds like it was money well spent.

Capital One, Chase and Citibank Warn of Email Breach

Did you receive emails from credit card companies over the weekend that read something like the following? "Recently, we were notified of a system breach at Epsilon, a third-party vendor that provides marketing services to a number of companies. The information obtained was limited to the customer name and email address of some credit card customers. No account information or other information was compromised and therefore there is no reason to re-issue a new card."