Frequently Asked Questions About Credit

Denied a Secured Credit Card? What You Can Do About It Learn about the steps you should take if you‘ve been recently denied a secured credit card -- including other methods to consider for building good credit. Valencia Patrice Higuera Thomas (TJ) Porter Capital One Virtual Credit Card Numbers Allow for Safer Online Shopping Shopping online is a great way to buy things without having to leave your... Ben Luthi What Are Airline Award Flights for Travel? Simply put: Award flights are plane tickets you can claim as redemption for... Credit Card Price Protection: How Does It Work? Learn how credit card price protection works so that you can use this handy benefit to get money back on past purchases. Thomas (TJ) Porter Should You Finance the Purchase of a New Laptop? Find out whether it is a good idea to finance the purchase of a new laptop, if you have other financing options available, and other ways to get a laptop. Thomas (TJ) Porter Thomas (TJ) Porter Are There Reasons to Lower Your Credit Card Limits? When it comes to credit scores, you may already know that it is a good idea to... Thomas (TJ) Porter What Happens When You Become an Authorized User on a Credit Card Account? Credit cards are popular financial tools that you can use to make purchases from... Credit Card Fraud Claim Denied: How You Can Still Get Your Money Back Find out what you should do when you file a claim about a fraudulent charge or transaction and your credit card issuer denies the claim. Aja McClanahan How to Opt Out of Pre-Approved Credit Card Offers Learn how you can minimize junk mail by opting out of those pesky pre-approved credit card offers that fill up your mailbox. Simon Zhen John Csiszar How to Remove Yourself as a Co-Signer From a Loan If you decide to co-sign for a loan, you are legally responsible to pay it back.... Thomas (TJ) Porter What to Do if a Restaurant Overcharged Your Credit Card? When dining out, it's convenient to pull out your rewards credit card to pay for... Credit Counseling vs. Debt Settlement: What is Better for You? Compare credit counseling and debt settlement services to see which option is better for helping you get out of large amounts of debt, especially high-interest credit card balances. Learn about the benefits of each option and how much it costs. Find out what other options you might have available to you. Thomas (TJ) Porter Family Member Stole Your Identity to Open Credit Cards: What to Do Find out what to do if family members, such as a parent or spouse, steal your identity to open credit cards and rack up a large amount of debt in your name. Thomas (TJ) Porter Ben Luthi Can You Inherit Your Parents' Debt? Losing a loved one can be a devastating experience, but it can become scary if you... Thomas (TJ) Porter Primary vs. Secondary Auto-Rental Collision Coverage on Travel Credit Cards One of the many valuable credit card benefits offered by travel credit cards is... Guide to the Chase 5/24 Credit Card Rule Learn about the 5/24 rule that Chase uses for approving and denying applications for a credit card based on your past history of card approvals. Rebecca Lake Why You No Longer Need to Sign for Credit Card Purchases Credit card issuers are no longer requiring card customers to provide a signature on a purchase receipt in order to verify a point-of-sale transaction. Find out what the exact rules are for each of the four major U.S. card networks - Visa, MasterCard, Discover, and American Express. Learn what this means for you in the future. Krista Baum Thomas (TJ) Porter Do You Still Earn Credit Card Rewards With Apple Pay & Google Pay? One of the best features of credit cards is that they often offer rewards for... Valencia Patrice Higuera Should You Close Your First and Oldest Credit Card? A credit card is an excellent tool for establishing a credit history and many... When Is Interest Charged on Credit Cards? Find out when interest charges are applied to your credit card account balances. Learn about grace periods and how you can avoid getting charged interest on your credit cards. Understand how to calculated how much interest is charged based on your APR, balance, and transaction type. Thomas (TJ) Porter What Happens If You Overpay Your Credit Card? Find out what happens after you overpay your credit card, which results in a negative account balance. Learn what to do to get your money back. Thomas (TJ) Porter Thomas (TJ) Porter Which Credit Cards Offer an Extended Warranty on Your Smartphone? Smartphones are expensive -- costing hundreds or even thousands of dollars. It’s... Thomas (TJ) Porter When Do Credit Cards Go to Collection Agencies? It’s a major fear for many people: having one of their debts get sent to a... Credit Card Closed? 6 Things You Need to Do Now Learn what to do after finding out that your credit card account is being closed involuntarily--so you can protect yourself financially. Thomas (TJ) Porter Which Credit Cards Are Most Accepted Worldwide? Find out which credit cards are the most accepted worldwide so that you won't have trouble paying for a purchase when you travel internationally. Thomas (TJ) Porter Thomas (TJ) Porter After Death, What Happens to the Credit Cards Debt? No one likes to consider their own mortality, but unfortunately one day everyone... Thomas (TJ) Porter What Cards/Payment Types Are Accepted Through Square? Square Stand accepts card payments As a consumer, you may already have run into a... Which Credit Card Fees Are Tax Deductible? Credit card owners are no stranger to fees - processing and annual fees to name a few. Learn which fees are tax deductible. Rebecca Lake What Restaurants Do If a Credit Card is Declined at the End of a Meal Learn what happens when your credit card is declined while you're trying to pay for the bill. Find out what you can do about it. Paul Sisolak