Articles

  • 3 weeks ago | money.usnews.com | Richard Barrington |Gina Freeman |Ray Frager

    Key Takeaways Economic uncertainty has caused many Americans to hold off on buying a home. History shows that if you're holding out for substantially lower home prices or mortgage rates, you may have a long wait. The more secure you can be about your own finances, the less you need to rely on trying to guess what the economy will do. Every day seems to bring discouraging news for would-be homebuyers. New tariffs could bring higher inflation and slower growth.

  • 3 weeks ago | money.usnews.com | Richard Barrington |Gina Freeman |Ray Frager

    Getty ImagesThe New York Fed discovered that banks with higher operating expenses generally charge higher interest rates on credit cards. Key Takeaways A new study found that credit card advertising can contribute significantly to the rates cards charge. Choosing a credit card simply because you remember its commercials can cost you. You can avoid paying for credit card ads by comparison shopping and keeping your balance down. Why are credit card rates so high?

  • 2 months ago | cardratings.com | Richard Barrington |Jennifer Doss

    Americans have a conflicted relationship with credit-builder/secured credit cards. A CardRatings.com survey found that people with these cards are less satisfied than customers of other types of credit cards. And yet, people with credit-builder/secured credit cards are less likely to feel they could do better with another credit card. In effect, these customers feel trapped in a bad relationship. To some extent, that’s the kind of trap that comes with having bad credit.

  • 2 months ago | cardratings.com | Richard Barrington |Jennifer Doss

    Overall, Americans give their credit cards pretty solid grades on what their cards provide. What they think less highly of is the value they receive. The two views are not inconsistent. If you have a comfortable car that performs well and gets good gas mileage, you may consider yourself happy with it. However, you’d feel differently about the same car if the sticker price was $40,000 than if it was $120,000. In each case, it would be the same nice car.

  • 2 months ago | cardratings.com | Richard Barrington |Jennifer Doss

    Money can’t buy happiness – but can good credit? According to a credit card satisfaction survey by CardRatings.com, people with good credit tend to be happier with their credit cards. There are good reasons for this. Having a good credit score can make you eligible for more favorable credit card terms. Those better terms can make your credit card usage more affordable. It can also enable you to choose credit cards that are better suited to your needs.

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