Articles

  • 1 week ago | bankrate.com | Ted Rossman |Alice Lesperance

    The Chase Sapphire Reserve® card used to be for people who wanted champagne travel on a beer budget — like middle-class Americans, many in their 20s and 30s, who enjoy traveling and dining out and desire a taste of luxury without spending too much. But after its latest refresh, the card is now slanted much more towards those who are actually rich, not just everyday people who want to travel as if they were rich.

  • 1 week ago | bankrate.com | Ted Rossman |Alice Lesperance

    The credit card delinquency rate has decreased for three straight quarters after hitting its highest point in more than a decade. According to the Federal Reserve, 3.05 percent of credit card balances were delinquent (30+ days past due) as of Q1 2025. The recent peak was 3.24 percent in the second quarter of 2024, the highest since the fourth quarter of 2011.

  • 2 months ago | bankrate.com | Poonkulali Thangavelu |Liza Carrasquillo |Bev O'Shea |Alice Lesperance

    This page was originally published in late 2022 and still contains relevant reader questions from that time. The rest of the article has since been updated. Because rental properties aren’t protected in the same way that primary residences are, a creditor could potentially go after your rental property to satisfy a debt. However, doing so is a costly process, and it might not be worthwhile to the creditor to pursue.

  • Mar 28, 2025 | bankrate.com | Ted Rossman |Alice Lesperance

    As an avid user of cash back credit cards, I’m happy with my current credit card strategy, but it’s always good to strive for more, right? Here are three changes I wish the credit card industry would implement in 2025:Have a question about credit cards? E-mail me at [email protected] and I’d be happy to help. Higher bonus category spending capsIf I could make this first, second and third on my list, I would. It’s that important (and that much of a personal pet peeve).

  • Mar 18, 2025 | bankrate.com | Benet Wilson |Benét J. Wilson |Poonkulali Thangavelu |Alice Lesperance |Stephanie Zito

    Signatures traditionally served as a security measure on credit card transactions, verifying ownership by matching signatures at the point of sale. With the introduction of chip-and-PIN technology, networks often won’t require a card signature, but some retailers still require credit card transactions due to older systems, broken chip card readers or the need to accept tips. The role of signatures in credit card transactions is likely to decrease as technology becomes more sophisticated.

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