Modern Insights on Credit Cards

With phishing scams, scammers attempt to obtain sensitive information by tricking you into providing it. See tips for spotting and avoiding phishing scams.

Learn how to activate a credit card online, with the issuer app, or by phone, and choose the most convenient credit card activation method for you.

All credit cards have expiration dates, but why? Here’s what to know about how long credit cards last, why they expire, and what happens after they expire.

Credit card numbers may seem random, but each digit serves a specific purpose, like identifying the credit card issuer, the card network, and more.

To help find a card that’s a good financial fit, watch out for these six credit card red flags – like unnecessary fees and rewards that expire.

Text alerts are a useful tool to keep financial accounts safe from fraud. Learn how to use them, and how to avoid being used by fraudsters.

Learn how to report credit card fraud. See steps you can take to protect your finances and important things to consider when reporting credit card fraud.

Learn how to protect yourself from credit card fraud, including website security, and warning signs to look out for. See what to do if you suspect fraud.

Elderly fraud is on the rise as older adults shift online. Here are tips to protect against scams targeting seniors' finances and ensure their security.

Using credit cards online requires knowing how to protect yourself from cybersecurity risks. Most card issuers and merchants can help keep you safe.

You can dispute an erroneous or fraudulent credit card charge. Learn what steps you should take and see when you should go about disputing a charge.

It’s not always possible to find a lost credit card. The good news is that getting a replacement card is usually a simple, straightforward process. Here’s what to do.

Identity theft can be a costly hassle that affects millions of Americans. Here are 7 common identity theft techniques and related tips to help protect you from each.

Wondering how to tell if a website’s legit? Here are some things you should look for. Learn how to make informed choices and protect personal information online.

Identity theft may be more common than you think. Here are 10 important things to know about identity theft, including how to prevent it and what to do if it happens.

Knowing the types of gift card scams and tips to avoid them can help keep you safe from this increasingly common form of fraud.

Start your financial journey! Learn how to get a credit card for the first time with our guide featuring great credit cards for beginners and helpful tips.

Get tips for finding ideal credit cards for seniors. Choose from rewards credit cards for retirees that enrich travel and everyday purchases.

Your credit score is an important part of getting approved for a credit card. Consider factors like rewards, Annual Percentage Rates (APR), and fees to find the right credit card for your credit score.

Learn what 0% APR is and how it can transform your financial strategy. Maximize savings with our guide to using 0% APR (Annual Percentage Rate) credit cards wisely.

With an instant card number, you could start using your card instantly after approval. See how instant approval credit cards work.

Compare a variety of Delta SkyMiles® American Express Credit Cards to find the Card with the right travel benefits for your lifestyle.

The best dining rewards credit card depends on your spending habits and dining preferences. Choosing the right card can help you maximize your dining benefits.

A balance transfer credit card may help you pay down debt and could help you to positively manage credit. See the pros and cons of balance transfers.

Choose the best no annual fee credit card for you by exploring the available benefits, including money-saving rewards like cash back and travel points.

There are many benefits of cash back credit cards. Explore the different types of cash back cards to find the best credit card that fits your needs.

Learn the key differences between secured vs. unsecured credit cards, how they impact your credit, and which option is best for your financial goals.

The American Express® Gold Card lets you choose the Card design that fits your style while earning Uber Cash and benefits across dining and travel.

Explore popular holiday shopping trends, including immersive digital experiences, local business support, and an ever-increasing rise in mobile shopping.

The best credit card for entertainment is a card that aligns with your lifestyle, rewarding you for entertainment purchases. See how entertainment cards work.

Choosing between a gas credit card or an airline miles credit card can be simple for some and challenging for others. Here are the benefits of each.

Using a credit card with no annual fee could help you save money, but cards with an annual fee may offer better rewards like travel perks or cash back.

See the difference between debit and credit cards. Review the pros and cons of debit cards vs. credit cards and see which one’s right for you.

Planning your holiday shopping list? Learn how using the right credit card for holiday shopping can help you boost seasonal savings and earn rewards.

Cash back rewards and travel points are two enticing benefits to consider when searching for the “best” credit card for you. Here’s what to know.

Learn whether you can buy a money order with a credit card. See how to go about buying a money order and what you should know if you're planning to buy one.

Learn how you can get the most out of your balance transfer credit card. See tips to help you save on interest charges and regain control of your finances.

Zero interest credit cards can help you save money, but make sure you choose wisely. Follow these rules to avoid penalties in the future.

See what happens when you max out a credit card, including the impact on your financial health and credit score. See how to handle a maxed-out card.

New to credit cards? Compare the different types of credit cards to find the best fit, from secured and unsecured to travel and reward cards.

What really happens to your old credit card after a balance transfer? Get the facts on whether it stays open, closes, or impacts your credit score.

What happens if I don’t use my credit card? Learn how inactivity could lead to closure and how a few small swipes can keep your credit in good shape.

Want to master credit card management? Learn how to juggle multiple credit cards, track payments, and maximize rewards.

Is it okay to get two credit cards from the same company? Learn the smart way to apply for and manage two credit cards from the same bank or issuer.

Personal loan vs. credit card: Learn the key differences in repayment terms and rates to decide if a personal loan or a credit card fits you better.

Wondering about the Amex Gold Card annual fee? Here’s an overview of what it would cost for you – and any additional Card Members – to carry the Gold Card.

Choosing the right credit card isn’t always easy. Our guide can help you learn how to pick a credit card that matches your budget and credit profile.

Ensure smooth transactions by checking if your credit card is active. Learn how to check if a credit card is still in use, and what to do if it’s closed.

When do you get charged interest on credit card purchases? See when interest charges happen, key grace period exemptions, and how to save on credit card interest.

How does cosigning affect your credit? Get expert tips on managing risks as a cosigner and explore alternatives for safer lending options. 

Need to send money, but don’t want to use your bank account? You can send money to people with a credit card. Here’s how to do it.

Learn what a closing date of a credit card means, understand when your bill is due, and get tips for managing credit card balances today.

Credit card interest is how you’re charged to borrow money. Understanding how credit card interest works can help you to plan ahead with your credit card payments.

How does cash back work? Cash back rewards let you earn a percentage of your purchases back. Learn how cash back credit cards work and maximize your rewards.

Learn how you can increase your credit limit and boost your credit score. Explore the different pros and cons of credit limit increases.

Looking to apply for a credit card? See how to get a credit card and factors to consider before applying for a credit card to make an informed decision.

Learn what available credit means, how it’s calculated, and why knowing what your available credit is may have a positive impact on your credit score.

Learn what recurring payments are, how they work, and how to cancel a recurring charge on a credit card. Get tips for managing payments today.

Paying your card balance in full keeps interest and debt at bay, but choosing to pay over time can afford financial flexibility when paying off major purchases.

Find out what the charges on your credit card are. Learn to read your credit card statement and get fraud prevention tips today.

Learn what a negative balance on a credit card means and how it happens. Get tips for using extra money from your negative balance today.

It looks like a sideways Wi-Fi icon, but what is the contactless symbol on a card, and what makes contactless credit cards so secure? Find out today.

Explore the most common reasons for a declined credit card, such as travel, credit limits, errors, or fraud, and learn how to protect your account.

Learn when to apply for a new credit card and why a new credit card won't do good in certain situations. Make informed choices about your credit cards.

Learn what to consider when comparing credit cards, including rewards, fees, and interest rates. See how you can make an informed decision before applying.

A credit card is a secure way to borrow money for purchases and build credit. Learn how credit cards work, their benefits, and how to use them wisely.

Credit card chargebacks are temporary credits from your issuer, typically when there’s a transaction issue. Learn how they protect you and affect merchants.

Learn how often you can apply for a credit card, how hard inquiries affect your credit score, and how long you should wait between applications.

Find out whether you should close unused credit cards for a healthier financial future. Learn why experts sometimes advise keeping these accounts open.

Learn the key differences between secured vs. unsecured credit cards, how they impact your credit, and which option is best for your financial goals.

It’s important to pay your credit card bill on time each month. Learn more about how to pay your credit card bill and tips to avoid fees and interest.

Credit card fees may include annual fees, cash advance fees, late fees, and more. Learn about common credit card fees and how to save on them.

Understand what a good APR for a credit card is, how it’s determined, and ways to secure a lower interest rate on your credit card.

Learn how to pay your credit card bill online using your issuer’s website, mobile app, or autopay, plus tips to keep your credit in good standing.

Discover strategies on how to lower your credit card interest rate. Learn how a lower rate may help reduce your monthly payments and save money over time.

Credit cards don’t use routing numbers like checking and savings accounts do. Instead, credit card transactions use credit card numbers.

Discover how digital wallets work, the benefits of using them, and practical tips for using them securely for online and in-person transactions.

Learn how to swipe a credit card for smooth transactions and to help prevent errors. See other ways that you may be able to use your credit card as well.

Your credit card statement contains your overall balance, minimum payment due, and due date. See how your credit card statement helps you manage your account.

When the Federal Reserve changes interest rates, credit card interest rates adjust too. Learn how the Fed’s interest rate policy influences credit cards.

The definition of a finance charge is an interest charge or other fees associated with using a credit card. Learn more about credit card finance charges and how to avoid some of them.

Learning how credit cards work can help you to make an informed decision when applying for one. It can also help you use them to your best advantage.

Closing a credit card with a zero balance could impact your credit score. See the pros and cons of closing a zero balance credit card.

A balance transfer can take between two days and six weeks to complete. However, this will vary, depending on the financial institution and its process.

A provisional credit is a temporary credit applied to your account while a dispute is investigated. Its permanence depends on the outcome of the investigation.

Pending transactions are authorized charges that haven’t been fully processed yet. Learn how long pending transactions typically take to process.

A credit card offers a convenient way to make everyday purchases. See what you can use your credit card for and tips for responsible credit card use.

Learn how credit card processing works. See what's involved and learn what happens behind the scenes within just seconds of making your transaction.

Gas credit cards offer many benefits, but how are they different from other credit cards? Find out if gas credit cards are the best choice for you.