- Cash Back Credit Cards and Rewards Credit Cards
- Travel Credit Cards
- Credit Cards with the Best Signup Bonuses
- Lowest Interest Credit Cards
- Best 0% Balance Transfer Credit Cards
- 0% Interest Introductory Offer Credit Cards
- Instant Approval Credit Cards
- Fair Credit Credit Cards
- Bad Credit: Unsecured Credit Cards and Secured Credit Cards
- Business Credit Cards
- No Annual Fee Credit Cards
- College Student Credit Cards
- Credit Cards with No Foreign Transaction Fees
- MasterCard Credit Cards | Visa Credit Cards
- Reloadable Prepaid Cards
Key credit card statistics for the month of September, 2017:
- Average credit card interest rate: 19.65%
- Average credit card debt… Per Person: $5284.54. Per Household: $8056.81.
- Average credit card limit… Per Card: $4564. Per Person: $17,615.
- Average number of credit cards per person: 3.86*
- Credit card default rate: 3.31%**
- Total consumer debt: $3.75 trillion ($994.5 billion credit card debt)
Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:
- If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
- If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
- The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?
If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
- – Our choice for the best 0% balance transfer card. Offers a 0% interest rate on balance transfers for 15 billing cycles, with No Balance Transfer Fee, provided you transfer the balance within 60 days of card opening. (There is a 3% balance transfer fee after that first 60 days.) You’ll also get a 0% rate on new purchases for the first 15 months. After 15 months the interest rate could be anywhere from 12.99% to 22.99%, depending on your credit history.
- – Offers a 0% interest rate for 15 months on transferred balances, with no fee for balances transferred within 60 days. (0% rate on new purchases for 15 months, too.) Your APR on transferred balances after the first 15 months will be from 15.99% to 24.74%, depending on the rate you are approved at (which depends on your credit history). Note that the balance transfer fee bumps up to 5% after 60 days, so get it done early.
NOTE: This article originally appeared in 2012 but still has relevance, so it continues to reappear from time to time…
Today I have mixed emotions about one particular credit card company. They screwed up in a way that I find somewhat unimaginable, but in the end got things right. Should I be grateful they corrected their error, angry that they made the error, suspicious that the error was not really an error but instead a business practice that brings in additional revenue, or all of the above? Here’s my story…
Below is the info you need to pay your Capital One credit card bill either online or offline, plus information on how to reach Capital One customer service. (NOTE: If you’ve reached this page via a search engine, you are NOT on Capital One’s site; do not ask us for info on your account!)
- If you want to pay your Capital One credit card bill online, .
The Toys R Us / Babies R Us credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank that you will deal with when it comes to making payments online or by mail, or for customer service help. The information below will help you accomplish any of these tasks:
- If you want to pay your Toys R Us / Babies R Us credit card bill online, .
Furniture and home decor retailer World Market (aka, Cost Plus World Market) in partnership with Comenity Capital Bank that allows you to earn rewards with every purchase. Is the card good enough to add to your wallet? Our overview/review is below:
The first thing to know about the World Market credit card is that it is a MasterCard. This is good, because it tells you that you can use this card not only at World Market, but also anywhere else that MasterCard is accepted (which is almost everywhere). Many other retailer credit cards are accepted only at those retail chains, limiting their usefulness. In addition, every time you open a new credit card, it causes a temporary hit to your credit score, so it is better to open credit accounts that can be used widely, such as the World Market MasterCard.
Chevron & Texaco credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it’s Synchrony that you will deal with when it comes to making payments online or by mail, or to get customer service assistance. Information to get any of these things done is below:
- If you want to pay your Chevron credit card payment online, .
Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:
Synchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:
TJ Maxx credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and in order to pay your TJ Maxx credit card bill or talk to someone about your bill, you will need to go through Synchrony Bank. Here’s what to do:
- If you want to log in to your TJ Maxx account and pay your bill online, .
If you have a credit card from Credit One Bank, here’s all the information you’ll need to access your account online, get your bill paid, or to reach a Credit One customer service representative by phone:
- You can log in and pay your bill online .
Most Lowe’s credit cards (other than the Business Rewards American Express) are issued by Synchrony Bank, and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Below you’ll find the info you need to do any of these things:
- To log in to your Lowe’s credit card account online and make a payment, .