Understanding Your Credit Card Rights      
When you apply for and are issued credit, your signature on the credit application acts as your acceptance of the terms set forth by the issuing financial institution. Even though it may seem that the issuer has the upper hand in all matters related to using the credit, that's not entirely true. You have certain rights, many of which are provided under the Fair Credit Billing Act. What's important when exercising these rights is ensuring that you take all required steps in the order and time frame specified. Let' start with the biggest credit problem, billing disputes.
 
529 Plan Credit Cards      
A 529 plan is a savings plan that is used for saving towards future college costs, and offers a variety of tax-advantages over other forms of savings. It makes sense then, that families with children are opting to use credit cards with rewards that are tied into 529 plans. This style of rewards credit card is best used when the card owner uses the 529 rewards card to make all of their purchases, and then watches as the rebates drop into the 529-college savings account.
 
Why Your College Student SHOULD Have a Credit Card      
There's no shortage of resources available telling you why college students should not have credit cards. Indeed there are some very valid concerns about college students and credit cards which are address later in this article, but there are also a number of good reason parents should help their children obtain a credit card heading off to college. This article covers some of these reasons.
 
Student Credit Cards 101      
Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that have a credit card should learn how to take charge and manage their own finances as soon as possible, because the time between teen years and adulthood is very short. So, the sooner a student starts managing his own financial matters the sooner he will develop useful financial skills. Student credit cards are no longer a privilege for wealthy students but now are considered a social entitlement.
 
Loans Are Bigger Problem      
That's the finding of Representative Jodi Tymeson of Iowa, along with a legislative committee that studied the impact of credit card companies marketing their products on college campuses.
 
Discover Monogram Student Credit Card      
Your Credit Network is proud to announce the addition of the Student Monogram Credit Card issued by Discover - the latest in our line of student credit cards. This blog entry will cover the basics of this credit card, as well as some comparisons to other credit cards in the student category.
 
12 tips for renting a car with a debit card      
Don't have a credit card or don't want to use one to rent a car? A CreditCards.com survey of the major rental car companies found it's difficult but not impossible to rent a car without plastic. Keep these 12 tips in mind the next time you approach the rental car counter with no plastic in hand. It just might help you avoid a frustrating rental experience.
 
Renting a car with cash or debit card      
Thought you couldn't get a rental car if you didn't have a credit card? That's probably what you've heard for years from rental car agents at airports, but it may be getting easier for some travelers to rent a car without a credit card. A CreditCards.com survey of the top rental car companies indicates that nearly all of the companies allow you to rent their vehicles without credit cards. However, it may take some work on your part -- and patience -- to get the vehicles.
 
Budget-for-debt-but-not-too-tightly      
The best advice I can offer is to sit down and do a budget. I know, you thought you left homework behind when you graduated, but this is a very helpful tool if you'll take the time to do it. The more in-depth and detailed the budget the more useful it will be. Start with your income. You have to know what your net take-home pay is before you can decide how much of a payment plan you can afford.
 
Disclosures would increase on subprime credit card fees      
Subprime credit cards are issued to customers with bad credit or no credit history. They are sometimes referred to as "fee harvester cards" in the credit card industry. These cards typically carry low credit limits of $250 to $500 and are designed to help cardholders launch or re-establish payment histories. However, subprime cards also carry upfront fees that the Federal Reserve board contends are not clearly disclosed to customers. For example, a card with a $250 credit limit may have fees or security deposits assessed at the opening of the account that reduce the available credit to less than $100.
 
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