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News Library - 2005

Feb Bankruptcy April, 1, 2005

Consumer bankruptcy filings during February fell 17% over year-ago levels. Over the past year, bankruptcy is tracking nearly 4% below 2003 levels, ironically at a time when bankruptcy reform will likely be on the President's desk later this month. more

Credit Watch Gold March, 31, 2005

The popular "Credit Watch" service from Equifax has gone "Gold," now offering monitoring of all three major credit bureaus. The ultimate credit monitoring service will cost $12.95 per month or $129.95 per year. more

Students & Cards March, 30, 2005

About one fourth of college students rely on credit cards to pay a portion of their tuition and fees. Students cite the loan limits set for government programs as a contributing factor. more

Delinquency Improves March, 29, 2005

Credit card delinquency, based on total dollars outstanding, hit a ten-year low last year for a fourth quarter. Between 1995 and 2003, fourth quarter delinquency ranged between 4.25% and 5.45%, but dropped to 4.19% for 4Q/04. more

AmEx & Taxes March, 28, 2005

American Express has launched a number of incentives for cardholders using their AmEx card to pay 2004 income taxes. Cardholders enrolled in the "Membership Rewards" program can redeem points to offset the convenience fee charged for paying taxes via Official ... more

RacePoints March, 24, 2005

How would you like the opportunity to ride in a pace car with a NASCAR legend or to become "Crew Chief For A Day" with a NASCAR team? A new, free rewards program called "NASCAR RacePoints" was launched this week, enabling NASCAR fans to earn officially ... more

Prime Impact March, 23, 2005

The Fed helped push credit card rates higher for April by increasing short-term interest rates by 25 basis points (0.25%) this week. The prime rate, which is used by most credit card issuers to set rates, hit 5.75% overnight, compared to 4.00% one year ago. more

FICO Secrets March, 22, 2005

One sure way to raise your credit score is to dump your credit card debt or bury it into your mortgage. A consumer with tons of maxed-out credit cards is considered a high risk, regardless of their income or on-time payment record. more

CoolSavings Card March, 21, 2005

A new, highly flexible shopping rewards program has been introduced featuring top online merchants such as Target, Sears, CompUSA, and more than 175 other retailers. Under the program, consumers earn points towards a "FreeStyle Rewards MasterCard Gift Card." more

Card Changes March, 18, 2005

Tis the season to start cranking up the dials on credit card rates and fees. Watch your mail closely as most of the top issuers are revising penalty interest rates, and fees for such things as late payments, over-limit situations, and cash advances. more