Recent Posts in Credit Cards Category
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Posted on Jan 16, 2012 By Scott Wilson
The Supreme Court ruled in favor of arbitration in cases involving consumers and companies that issue low-rate credit cards to people with low credit scores. Under the new ruling, consumers are no ...
Continue reading "Supreme Court Decision Favors Arbitration" »
Posted on Jul 25, 2011 By Jacoby & Jacoby
Most consumers are relatively familiar with the concept of overdraft protection, and many have experienced firsthand the fees that may be incurred when one spends more than is in their checking ...
Continue reading "Why even bother with overdraft protection?" »
Posted on Jul 14, 2011 By Jacoby & Jacoby
At the beginning of March 2011, Experian released interesting data regarding credit card spending over the 2010-2011 holiday season. Though the average debt on credit cards decreased by 4% compared ...
Continue reading "Brief Analysis of Credit Card Spending Over the 2010-2011 Holiday Season" »
Posted on Jun 6, 2011 By Jacoby & Jacoby
Consumers throughout the U.S. are borrowing again, but many are reluctant to borrow on credit cards. According to statistics from the Federal Reserve Board, the amount of outstanding credit card debt ...
Continue reading "Consumers are Still Borrowing, but Less on Credit Cards" »
Posted on May 31, 2011 By Jacoby & Jacoby
If you are one of many Americans over your head in credit card debt, paying off your cards may be easier said than done. Some borrowers see paying down debt as denying themselves the things they want ...
Continue reading "Debt Control Starts With Self-Control" »
Posted on May 27, 2011 By Jacoby & Jacoby
The recent recession has brought to light a key issue of concern: Americans' failure to live within their means. When the real estate market was on the rise, credit was all too easy to get and many ...
Continue reading "Can we take on the challenge of living within our means?" »
Posted on May 21, 2011 By Jacoby & Jacoby
The cost of health care is ever on the rise, and combined with the gaps in insurance coverage, many patients end up paying medical bills with credit cards. According to a report from McKinsey & ...
Continue reading "Medical Credit Cards: Before You Sign Up, Weigh the Risks" »
Posted on May 6, 2011 By Jacoby & Jacoby
"Do you want to apply for a card and save 15% on all today's purchases?" If you have recently made a purchase at a large retailer, you may have heard these words at the checkout stand. "Save 15%" or ...
Continue reading "Tempted to apply for a store-brand credit card? You should know the risks." »
Posted on May 3, 2011 By Jacoby & Jacoby
What is the true cost of credit card transactions, for merchants and cardholders? It may be more than we realize. Merchants pay approximately 1-3% of every credit card transaction in order to accept ...
Continue reading "The True Cost of Credit Card Rewards" »
Posted on Mar 11, 2011 By Long Island Bankruptcy Lawyer
Consumer credit use has dropped since the beginning of the Great Recession, which seems like good news for a country plagued by excessive consumer debt (often in the unhealthy, revolving credit-card ...
Continue reading "One Bandwagon to Hop on: Credit Card Spending Down" »
Posted on Aug 24, 2010 By Jacoby & Jacoby
Most people want to be happy…and normally they think that you need to spend more to be happy. According to this blog post, there are 5 ways to live better without having to spend any more. Click here ...
Continue reading "5 Ways to Live Better Without Spending More" »
Posted on Aug 20, 2010 By Jacoby & Jacoby
According to June 2010 figures released by the Federal Reserve, Americans owe some $826.5 billion in revolving debt (most of which is credit cards) and $829.785 billion in student loan debts. The Wall ...
Continue reading "Student Loan Debt Surpasses Credit Cards " »
Posted on Aug 18, 2010 By Jacoby & Jacoby
Janet Bodnar, Deputy Editor, Kiplinger’s Personal Finance Magazine is interviewed by Kevin McCormally, Kiplinger Editorial Director about when is the best time to give your child a credit card.
Continue reading "Watch Me Wednesday: When to Give Your Child a Credit Card" »
Posted on Aug 17, 2010 By Jacoby & Jacoby
Collection agencies are using extreme methods when going after debtors. They are now going through the court system to collect which gives you two options: show up and pay up or go to jail. First, the ...
Continue reading "5 Ways to Avoid Going to Jail Over Your Debt" »
Posted on Aug 10, 2010 By Jacoby & Jacoby
In these hard economic times, it is often difficult to save money. But there are so many important things to save for like retirement, kids college funds and to pay off credit card debt. We came ...
Continue reading "Not Enough Cash? Get Your Priorities Straight" »
Posted on Aug 4, 2010 By Jacoby & Jacoby
Robert Siciliano, Identity Theft Expert and CEO at IDTheftSecurity.com discusses online shopping and if it makes you more vulnerable to identity theft.
Continue reading "Watch Me Wednesday: Does Using My Credit Card Online Make Me More Vulnerable to Identity Theft?" »
Posted on Aug 3, 2010 By Jacoby & Jacoby
Consumers will see more relief this month as more provisions of the Credit Card Act (formally known as the Credit Card Accountability Responsibility and Disclosure Act) come into effect. The downside ...
Continue reading "New Law Forcing Credit Card Issuers to Play Fair" »
Posted on Jul 30, 2010 By Jacoby & Jacoby
Credit card issuers have stopped many of the “deceptive” or “unfair” practices outlawed by the Credit Card Act that was recently signed. But are they engaging in others? We came across this blog post ...
Continue reading "The Effects of the Credit Card Act" »
Posted on Jul 28, 2010 By Jacoby & Jacoby
Janet Bodnar, Deputy Editor of Kiplinger’s Personal Finance discusses how to obtain a copy of your credit report.
Continue reading "Watch Me Wednesday: How Do I Get a Copy of my Credit Report?" »
Posted on Jul 21, 2010 By Jacoby & Jacoby
Jemma Smith, Head of Public Relations at APACS discusses ways to protect yourself from credit card fraud.
Continue reading "Watch Me Wednesday: How to Protect Yourself From Credit Card Fraud" »
Posted on Jul 14, 2010 By Jacoby & Jacoby
Janet Bodnar, Deputy Editor of Kiplinger’s Personal Finance discusses how your credit cards will impact your credit score.
Continue reading "Watch Me Wednesday: How Do My Credit Cards Impact My Credit Score? " »
Posted on Jul 12, 2010 By Jacoby & Jacoby
If you have never had any credit, the best way to build it is to get a few credit cards . Pick at least two from the major lenders (Visa, Mastercard, etc.) and make sure they have no annual fees and a ...
Continue reading "How Do I Start Building Credit from Start? " »
Posted on Jun 28, 2010 By Jacoby & Jacoby
Most credit card penalties will be limited to $25, and fees for customers who don't use their cards will be eliminated under rules released last week by the Federal Reserve. These rules, which ...
Continue reading "Fed Limits Card Fees to $25 " »
Posted on Jun 14, 2010 By Jacoby & Jacoby
We recently came across this article in the Wall Street Journal discussing the advantages of credit unions over banks. The article brings up some great points and we wanted to share it with our ...
Continue reading "Credit Unions: A Better Bet Than Banks?" »
Posted on May 31, 2010 By Jacoby & Jacoby
According to an article on Time.com, banks, have decided to reduce their overdraft fees in hopes that more people will pay and not dispute them. Click here to read the story. Are you over your head in ...
Continue reading "Banks Reduce Overdraft Charges: Smaller Fees Better Than No Fees At All" »
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