The Ultimate Guide to Credit Cards
Saturday, July 24, 2021

All articles tagged Credit Card Charges (12)

15 Best Credit Cards for Extended Warranties

15 Best Credit Cards for Extended Warranties

Does your credit card offer benefits you don’t even know about? One valuable, albeit less-familiar, benefit is the extended warranty. This adds months or years of protection to your purchased items. Read on to learn about the 15 best credit cards for extended warranties. Although the benefit may be seldom used, it can save you a lot of money if you run into problems with your purchase after the regular warranty expires. This benefit is becoming harder to find, but some issuers... read more »

10 Best Credit Cards for Subscription Services

10 Best Credit Cards for Subscription Services

Subscription-based companies have grown by more than 300% over the last seven years. This hasn't gone unnoticed by banks, who have curated some of the best credit cards for subscriptions. Whether you’re a Netflix and chill type of person, would like to broaden your music catalogue with Spotify or want to settle in to read the book of the month on Audible, there’s a subscription for just about any hobby or interest. And while most of these subscriptions are paid monthly, the... read more »

6 Best Credit Cards for Emergencies

6 Best Credit Cards for Emergencies

Emergencies never provide a courtesy warning and usually require funds at the ready. With one of the best credit cards for emergencies, you can pay for what you need easily and move onto whatever’s next, given the circumstance. But if you don’t already have a credit card stored away for such events or another source of quick funds, the situation can become even more stressful. That’s why we’ve deemed the best credit cards for emergencies those that can give you access to... read more »

15 Best Credit Cards with Price Protection

15 Best Credit Cards with Price Protection

It’s happened to all of us at some point; we think we’ve found the best deal on a new device or gadget we’ve been eyeing, only to see a lower advertised price after we’ve bought it. No worries, that’s what price protection is for, right? But if you’re wondering about the best credit cards with price protection, you may want to start asking a different question. For years, credit card companies touted their price protection programs — sometimes called price matching,... read more »

10 Best Credit Cards for Buying a Car

10 Best Credit Cards for Buying a Car

Has it ever occurred to you that you could use a credit card to buy a car? Astute readers of CardRates.com will recall that we’ve addressed this exciting possibility, explaining when cards can and cannot help pay for a car purchase. If you are contemplating acquiring one of the best credit cards for buying a car, it makes sense to understand the different rewards and promotions first. Getting a new card with an introductory period of 0% APR purchases means that you can avoid the... read more »

Chargebacks911: Management Solutions to Help Online Merchants Preserve Sales and Protect Customer Relationships

Chargebacks911: Management Solutions to Help Online Merchants Preserve Sales and Protect Customer Relationships

In a Nutshell: Consumer chargeback requests with card issuers contribute to between $30 billion and $60 billion in lost revenue for online merchants each year. But Chargebacks911 helps sellers retain revenue while protecting customer relationships with its comprehensive, service-oriented approach to settling chargeback disputes. Before transactions take place, Chargebacks911 is proactive in assisting merchants with compliance and fraud mitigation. The company acts as a liaison between... read more »

2021 Guide: “How Does Credit Card Interest Work?”

2021 Guide: “How Does Credit Card Interest Work?”

If you've ever wondered, "How does credit card interest work?" read on — it's not as complicated as it may seem. If you understand the formulas involved, calculating important personal finance numbers typically requires no more advanced skills than those of simple arithmetic. In many cases, the apparent difficulty of finance-related mathematics is due more to a confusion of concepts and terms than the need for calculus and derivations. This is particularly apparent when one cracks... read more »

What is APR on a Credit Card? 9 Best Low-Interest & 0% APR Cards

What is APR on a Credit Card? 9 Best Low-Interest & 0% APR Cards

If you’ve been considering applying for a new credit card, you’ve likely heard a lot about the term “APR." So, exactly, what is APR on a credit card? This term is perhaps the most critical factor in deciding which card to get, and it can be used to put you in a better overall financial situation – if handled correctly. Here are the facts about APR, why it matters, and what you can do to make it work for you. Low APR | 0% Intro APR | 0% Balance Transfer APR APR Stands for... read more »

The Merchants Payments Coalition: 2.7M Stores and 50M Employees Fighting for a More Transparent Credit Card System

The Merchants Payments Coalition: 2.7M Stores and 50M Employees Fighting for a More Transparent Credit Card System

In a Nutshell: More than ever before, consumers are choosing credit as their preferred method of payment for the added security and rewards-earning potential they provide. However, the current fee of up to 4 percent per transaction that the credit card associations — Visa, MasterCard, American Express, Discover — impose each time someone swipes their card has become the second-highest operating expense for most merchant businesses. With credit card associations earning as... read more »

My Credit Card Was Used Fraudulently (Here’s What to Do)

My Credit Card Was Used Fraudulently (Here’s What to Do)

Even with today's increased security measures, credit cards can still be susceptible to fraud. Just a few months ago, my credit card was used fraudulently. Thankfully, I was able to recover the funds lost through the duplicitous purchases. If you find yourself in a similar situation, and your credit card was used fraudulently, here's what to do. The IRS's advice is to place a “fraud alert” or a “credit freeze” on your credit account. You can also use a credit monitoring or... read more »

Consumer Guide: California Credit Laws

Consumer Guide: California Credit Laws

California is notorious for its beautiful scenery, Hollywood celebrities, surfing and wine country — but California is also recognized for having many unique laws (like how women are prohibited from driving in house coats...), including some pertaining strictly to credit card usage. For example, if you’re using a card to make an in-store purchase and the cashier asks for your address, did you know this is against the law in California? Where I live in Florida, I am asked for... read more »

10 (Unbelievable) Government Credit Card Abuses

10 (Unbelievable) Government Credit Card Abuses

Remember when an audit found Pentagon employees spent more than $1 million at casinos and adult entertainment? It's just part of a much larger pattern of abuse. In 2008, a Government Accountability Office report noted that government-issued cards could be easily abused. Since then, controls have been implemented but fell drastically short, as scandals came out every few months. The Government Charge Card Abuse Prevention Act, passed in 2012, was designed to combat these problems. ... read more »