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• What the Fed's Actions Mean for Your Credit Card

  by Bill Hardekopf The Federal Reserve announced recently that it is keeping interest rates at a record low for the next two years. It hopes that extending low rates for a predictable period will stimulate both borrowing and spending, thus providing a... Posted Aug 16 2011, 02:03 PM by PamH with | with no comments Filed under: Credit Card, CARD Act, Index, Margin, Variable Rate, Prime Rate

• Credit Card Issuers Gradually Ease Lending to Consumers

  by Bill Hardekopf For the second straight week, there are signs that the financial outlook for credit card issuers is improving. Last week, credit card issuers reported defaults and late payments had dropped to pre-recession levels. A new survey by the... Posted Jul 05 2011, 12:16 PM by PamH with | with no comments Filed under: Credit Card, Credit Card Issuers, Lending, Credit Underwriting Practices

• Bankers Remain Pessimistic about Credit Card Market

  by Bill Hardekopf According to a FICO survey of bank risk officers released today, the difficulties in the credit card market may continue in the short term. Nearly 85% of the bankers who manage credit cards expect delinquencies on credit cards to increase... Posted Sep 16 2010, 10:30 AM by PamH with | with 1 comment(s) Filed under: Credit Card, Credit Cards, Consumer Credit Trends, Credit Card Market

• Credit Card Predictions for 2010

  by Bill Hardekopf The LowCards.com credit card prediction for 2010 is no surprise: cardholders will pay more for credit card loans. The cost of credit cards will continue to increase for consumers even though the major provisions of the CARD Act go into... Posted Jan 06 2010, 08:21 AM by PamH with | with 15 comment(s) Filed under: Credit Card, Credit CARD Act, Credit Cards

• First Phase of Credit CARD Act Takes Effect Today

  by Bill Hardekopf, CEO of LowCards.com The initial provisions of the Credit CARD Act have just gone into effect, giving consumers more notice on interest rate hikes, more time to receive their bills and the ability to say no to APR increases. The more... Posted Aug 26 2009, 07:22 AM by PamH with | with no comments Filed under: Credit Card Debt, Credit Card, APR Increase, Credit CARD Act, CARD Act

• How to Save Money by Using a Credit Card like a Debit Card

  Credit card rewards can be very enticing. From travel rewards to cash back, using a credit card can save us a lot of money. One of the big problems with using credit cards, however, is that studies show we spend more money than when we use cash . About... Posted Jun 11 2009, 07:10 AM by PamH with | with no comments Filed under: Credit Cash Rewards, Using Credit Cards, Cash Back Credit Card, Credit Card