February 17, 2012 – 8:21 am | No Comment

Studies show that over 75% of college students have a credit card, and they can be a great asset for a student. Credit cards are convenient, can help build a good credit history and can help young people learn money management skills.

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Credit Card Debt

How to get out and stay out, as well as other sticky issues like dealing with debt collectors and loan consolidation.

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Budgeting, frugal living, saving, and all kinds of other money and finance related subjects.

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Learn how to repair and improve your credit score. Learn about Beacon and Fico scores, and much more!

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Articles by Jack

Jack is a personal finance writer from Pittsburgh. He also serves as a contributing editor for Primer Magazine. You can see his work at JackBusch.com.

Who’s Stealing Your Credit Card? Five Quick Portraits of Identity Thieves
October 26, 2010 – 9:59 am | One Comment
Who’s Stealing Your Credit Card? Five Quick Portraits of Identity Thieves

Credit card thieves. We know they’re out there. We know we’re supposed to fear them, be ever vigilant against them, and, if given the opportunity, finger them so the authorities can haul them into prison. …

The National Strategy for Trusted Identities in Cyberspace is Totally Silly
June 30, 2010 – 10:12 am | One Comment
The National Strategy for Trusted Identities in Cyberspace is Totally Silly

Have you heard of this? The Whitehouse, along with “key government agencies, business leaders and privacy advocates” have cooked up a blueprint for a voluntary, centralized identification system that will  somehow clamp down on identity …

Merchants Score Victory In Swipe Fee Battle
June 23, 2010 – 2:13 pm | No Comment
Merchants Score Victory In Swipe Fee Battle

The longstanding battle between merchants and the banking industry has netted at least one victory for merchants on Capitol Hill. This week, the House and Senate came to an agreement over the issue of debit …

New Credit Card Rules: Brace Yourself for the Backlash
June 16, 2010 – 3:09 pm | No Comment
New Credit Card Rules: Brace Yourself for the Backlash

On Tuesday, the Federal Reserve Board enacted additional consumer protections for credit card users in the ongoing game of legislative whack-a-mole. These new rules, which won’t go into effect until August 22, may bring some …

Travel and Credit Cards: 7 Tips Before Hitting the Road
June 2, 2010 – 8:13 am | No Comment
Travel and Credit Cards: 7 Tips Before Hitting the Road

Heading overseas this summer? Don’t forget your credit card. Whether you’re in a pinch or simply picking up the tab on the road, credit cards can be your best friend–or worst enemy. Before hopping on …

Smart Credit Cards 101: Chip-and-PIN FAQs
May 19, 2010 – 7:51 am | 7 Comments
Smart Credit Cards 101: Chip-and-PIN FAQs

In Europe, they’ve transitioned away from signature-based credit card authorizations and are instead using credit cards with built-in chips that require a PIN for most transactions. The system is called EMV, named for the three …

Trends in Oversharing: Social Payments and Swipely
May 12, 2010 – 8:00 am | One Comment
Trends in Oversharing: Social Payments and Swipely

Oh boy. What follows is a rant from a non-believer. So, take it with a grain of salt.
There’s this hot new trend on the horizon that folks like The Wall Street Journal are calling “social …

Five Things That Are (Nearly) Impossible Without Credit Cards
May 5, 2010 – 6:29 pm | One Comment
Five Things That Are (Nearly) Impossible Without Credit Cards

If “Things You’d Find in a Wallet” were a survey question on Family Feud, chances are that “credit card” would be right up there just below “driver’s license” and cash. It says something that credit …

Four Ways to Get Your Money Back from a Credit Card Purchase
April 27, 2010 – 7:31 pm | One Comment
Four Ways to Get Your Money Back from a Credit Card Purchase

The Credit CARD Act that recently kicked into high gear this year is often hailed as one of the more consumer-friendly legislations passed on credit card reform, but it’s important to give due credit to …

Celebrity Credit Card Debt
April 21, 2010 – 8:22 am | 3 Comments
Celebrity Credit Card Debt

The rich and famous lifestyle sometimes hides a shocking and shameful secret: hundreds of thousands of credit card debt. On the outside, the gliteratti and clan of hypervisible celebs seem to be living large and …

Credit Score Strategy: Paying in Full vs. Credit Limit Increases
April 14, 2010 – 9:50 am | 3 Comments
Credit Score Strategy: Paying in Full vs. Credit Limit Increases

There’s this pervasive myth going around that paying off your credit card balance in full each month will score you points (literally) with TransUnion, Equifax and Experian. The fact of the matter is that it …

Credit Cards Going Extinct? We Don’t Think So
April 7, 2010 – 6:26 am | No Comment
Credit Cards Going Extinct? We Don’t Think So

Okay, okay, we usually don’t hesitate to declare credit cards dead (Five Futuristic Ways to Pay without Credit Cards and Death of the Credit Card Signature) but our musings are more like utopian “what-ifs” from …

Free Credit Reports – Post-FTC Crackdown
March 31, 2010 – 6:35 pm | No Comment
Free Credit Reports – Post-FTC Crackdown

Those hooky satire songs from FreeCreditReport.com hide a dark secret. First of all, that dude is a French-Canadian, so he probably doesn’t even have a credit history in the U.S., and to make matters worse, …

Paying Taxes by Credit Card: Tax Pros, Con Jobs and Hidden Fees
March 24, 2010 – 7:13 am | No Comment
Paying Taxes by Credit Card: Tax Pros, Con Jobs and Hidden Fees

Yes, you can pay your federal income taxes to the IRS by credit card or debit card. Should you do it? Maybe. Here’s how it works:
When you file your tax return through an official IRS …