The popular advice is to call your credit card company and ask for - or maybe even demand - a lower rate. This can actually work, but only if you have some leverage. Otherwise, asking for a rate reduction is just like asking your boss to give you a raise because you're a nice person. Businesses don't willingly part with their money unless there's some compelling business reason to do so. Read more...

Buy now and pay later. It's become the American way. There's no doubt that a credit card can be a powerful and useful tool. However, as more and more Americans discover every year, too much of a good thing can lead to big trouble. Read more...

Many banks, Issuers and Acquirers have fraud detection systems that highlight suspicious transaction activity on a cardholder accounts or at a merchant premises. The banks can then take the necessary actions to investigate the transactions and confirm with the genuine cardholder if the transactions were made by them or if fraud has occurred. Read more...

Gold credit cards is an enhancement to the Classic credit cards program and usually offers a higher credit limit as well as other special services. The dominant colour on all Gold Credit Cards is gold. In addition, a darker gold colour may be used for overprinting background designs on the card. The issuer's name and trademark, along with any affinity group name and trademark, may appear once on the front of the card, in black. No pictures, photographs or scenes are permitted on Visa Gold cards, thus ensuring a consistent appearance in the card design. Read more...

Establishing credit after a recent bankruptcy is very important. For the most part, many consumers acquire excessive debt because of using credit irresponsibly. Hence, after a bankruptcy is discharged, many people are hesitant to obtain new credit accounts. Read more...