Credit & Debit Cards

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ClarkHoward.com and The Clark Howard Show offer more money-saving advice.

Car, credit industries booming with offers to sub-prime customers

After months of yellow light lending, consumers are again getting the green light for a flood of car loans and credit cards even if they have damaged or dinged credit. The big sales numbers the auto industry is enjoying right now are partly because of the new lower lending standards. ...

A dime of every dollar goes to the average American's debt

The amount of money from the paycheck of the average American that goes to service debt is virtually at an all-time low. The Federal Reserve reports that the average American is spending a dime out of every dollar for servicing the debt they have. Month after month, average Americans have ...

Credit companies resume offers to those with damaged credit

The spigot has really opened back up on credit lending. Folks who have great credit have seen the credit card offers pour in lately. And these offers are getting more and more generous, chock-full of bonuses, special rates and rewards. If your credit is really good (around 740 or above), ...

Today's financial triage emphasizes car loans and credit cards, not mortgages

When you're in a tough spot financially, which bills should take the highest priority in your life? My traditional advice is being distorted by the breakdown of the mortgage market. In the past, I've said the highest priority for you should be paying your mortgage first, so you can have ...

More reward card offers coming for those with excellent credit

The major credit card issuers are in a real market-share war and they're each coming up a variety of reward card offers. American Express, Capital One, Citibank, Chase and Bank of America are seeking new customers with high credit scores. The offers are generally coming to those who have scores ...

New credit card breach: Protect yourself.

Criminals recently took advantage of a weak link at a particular merchant processor, which is an intermediary service between customers and retailers that clears credit cards for purchases. In the course of five weeks, over 1.5 million credit card numbers were stolen from all major cardholders including Visa, American Express, ...

Why credit protection insurance is a rip-off

Banks, credit card companies and really any company in the financial services industry are trying to steal your money right now by getting you to sign up for credit protection plans. The basic pitch here is that your lender will take care of your minimum payments in the event you ...

ClarkHoward.com and the Clark Howard Show offer more ways to protect your wallet.

Reward credit cards not all they're cracked up to be

Don't throw out all those credit card solicitations that show up in your mailbox. There's a new angle on them that could work for your wallet. We're getting ready to enter the era of the plain vanilla credit card. That's because the offers for reward cards that you're used to ...

New technology coming could thwart credit card account breach

America practically invented credit cards, yet we're the only place on Earth that does not use the secure world standard of smart chip technology in our cards. But that may be all about to change. A lack of proper card security means we have had ever-rising credit card fraud because ...

Is forgiven debt taxable income for you?

If you've received a surprise 1099-C tax form in the mail, you may be wondering if it's taxable income for you. I want to explain. The 1099-Cs popping up in people's mailboxes are really fallout from the financial crisis over the last five years. Let's say hypothetically you lost your ...