I’ve received quite a few questions about the Visa Infinite credit card so I thought it was time to explain what’s fact and what’s fiction. What is it? So what is Visa Infinite? Well as you know, Visa issues cards in different tiers. While most of us know the Classic, Gold, and Platinum levels. On [...]

Q: I am 5 months post-bankruptcy and want to get my credit back on track. Can you tell me why the PNC Bank credit card application is not available on their website, at least from what I see? Do I need to apply in-person for it? A: I didn’t see it up there either, but [...]

Is 730 a good credit score? Yes but it’s not “excellent” as many of the self-proclaimed “leading” credit card websites claim. Sorry to burst your bubble, but if you have a 730 credit score you are not in the “excellent” category like this top ranking credit card site claims: In fact, I can’t remember any [...]

A couple years ago on the forum, there was a man who had a Merchant’s Tire credit card account. Even though he lived in Virginia, his soon to be ex-wife allegedly raked up $ 1,500 in charges on his account in a totally different state, Florida. How did that happen? Well according to him, she allegedly [...]

Paying a 3% surcharge when using your credit card internationally? Well that sucks. Here’s how can pay no foreign transaction fees in 2012. Credit card companies charge a 2% to 3% fee because they claim it’s necessary to help cover the costs of the currency conversion. That excuse is a crock! The currency conversion takes [...]

A forum member contacted me about what they suspected to be a fake communication regarding the SecureCode program from MasterCard. So I thought now would be a good time to do a refresher on how scammers use the name of this service to trick people. What is MasterCard SecuredCode? Well if you’re not familiar with [...]

One of my favorite things about Discover are the unexpected little opportunities that pop up to earn extra rewards. For most of them I receive a postcard in the mail notifying me, but I never received one for this promotion. To see it, login to your Discover account and from the main screen, click on [...]

When your credit is shot, these days you don’t have much choice when it comes to rebuilding credit. If you’ve had delinquencies or a bankruptcy, you will probably have to start from the ground up – a secured credit card. Now I’m not going to lie… obviously there are many drawbacks with these types of [...]