Posts Tagged With 'Credit Card'

New Credit Card Products for College Students

By Jasmine Pinschof  May, 15, 2012  

One of the primary goals of the 2009 CARD Act was to significantly cripple credit card companies and their efforts of wooing college students via tables set up on campus with free gifts for those who applied for new credit cards.

Now, though, theres a new marketing effort prepaid cards. And its all legal and its working like a charm. College students are in the bulls eye once again, this time, though, the risks are fewer. One of the biggest supporters is American Express and its introduced its own product for college students.

The Campus Edition Prepaid Card by American Express was unveiled this week.

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Credit Card Rewards Are Better than Ever

By Jasmine Pinschof  Mar, 25, 2012  

Weve been covering the rapidly improving quality of credit card reward offers in the U.S. in a series of articles on our blog for the past year. And its been quite a story. Card issuers began ramping up their rewards programs somewhere in late 2010, even as their charge-off and delinquency rates were still at near record-high levels. Then the issuers gradually whipped themselves into a rewards frenzy, frantically trying to outdo the competitions latest incredibly attractive offer. The result is that Americans with very good credit scores are now getting the best credit card offers ever.

Ruth Simon has done a lot of work to bring us up to speed on the current state of affairs in an excellent piece for the WSJ and she finds that credit card rewards programs just keep getting better.

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A New Credit Card Lets Customers Make The Rules

By Jasmine Pinschof  Mar, 02, 2012  

The product development team at Barclaycard is well aware that banks don’t rank very high in the realm of public opinion. So they’ve created a new kind of credit card that tries to put you, the cardholder, in the driver’s seat.

Its calling the new card   the Barclaycard Ring MasterCard the first social credit card, one that will be shaped by its cardholders feedback. And this isn’t simply about personalizing your plastic with pictures of puppies and kittens or picking a convenient payment date. Barclaycard is taking matters a step further: it’s pulling back the curtain on its profit and loss statements — and it says it’s going to let consumers collect a share of the profits.

You might be thinking, as I was, ‘I barely have time to pay my credit card bills. Now you want me

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An Answer to the Question: If I have a Chase credit card, can I just change the type of account it is without opening a new one?

By Oliver Dalrymple  Feb, 17, 2012  

An Answer to the Question: If I have a Chase credit card, can I just change the type of account it is without opening a new one? Credit Card Author | February 15, 2012 |

Heres a good question from boo with an even better answer, enjoy:

Ive had a Chase card for several years now and I want to know if I can change that to the Disney Rewards card through Chase Bank. I dont really want to open a new account, but if I can just easily change my existing Chase card to be the Disney Chase card, that would be great. Basically, I just want a card with rewards without having to close my current one and open a new one.

Answer: As a Chase Credit Card Customer,I will tell you that this cannot be done. I tried it myself.

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Do You Understand Your New Credit Card Agreement?

By Jasmine Pinschof  Dec, 16, 2011  

Last week we wrote about the U.S. Consumer Financial Protection Bureaus ongoing crusade aiming to simplify credit card agreements, even as the CFPBs own survey had found that consumers reported to be fairly satisfied with how the current, post-CARD Act, version is presenting the terms and conditions of these contracts.

As promised, the CFPB has now released its vision of a shorter, simpler credit card agreement and has posted it on its website for comments. Well, having reviewed CFPBs version and compared it to a generic agreement, my conclusion is that it is neither shorter, nor simpler, although it is made to look that way. Let me explain.

The bureau has split the credit card agreement into two separate parts.

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CitiBank Credit Card Offers – DEC 2011

By Jasmine Pinschof  Dec, 10, 2011  

Despite news this week of CitiGroup, the parent of CitiBank, slashing close to 5,000 jobs in the upcoming months, its credit card division continues to flourish. Blaming the cuts on unprecedented market conditions, it appears the conglomerate is banking on several new credit card offers, including the Citi Thank You card. Here are a few more of the current offers and promotions, courtesy of CitiBank.

This credit card offer comes with several perks, including 40,000 Hilton HHonors bonus points after spending $1,000 in your first four months of opening your account. Wondering what that equates to in terms of hotel stays?

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Reader Question – Does canceling a secured credit card effect crdit score?

By Oliver Dalrymple  Nov, 29, 2011  

Its QA time again. This one comes from Avacodo who is asking

If you start out with a secured credit card to build credit and you get your credit build up, and you are approved for a unsecured credit card. is it better for your credit score to cancel the secured card or should you keep it because its your oldest card?

Answer: 1. Ask if current CC company if they are willing to unsecure it (if you already have an acceptance offer for another CC, it may even be worth to mention that to them)2. If yes great. Also ask for a credit limit increase.3. If no keep it. Let it sit with a very small monthly balance. Use it to buy gas and food, small stuff. Accept the new unsecured credit card, establish it with 2 years of clean repayment history.4.

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Credit Card Offers Luring Subprime Borrowers Again

By Jasmine Pinschof  Oct, 13, 2011  

To the dismay of some, credit card companies are once again loosening their criteria for creditworthiness and are targeting those who have had credit problems in the past. In fact, in the first six months of 2011, banks across the nation issued 5.4 million new credit cards to those whose credit histories have taken a hit to the point of their being classified as subprime. Not only that, but this trend is expected to continue. So why are so many disgruntled with this news? After all, its these very markets that make the American economy go round, yes?

The reasons, or rather, the big reason, many banks are feeling a bit more generous in their approvals has much to do with the historically low charge off and delinquency rates.

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