I've been thinking pretty seriously lately about applying for my first American Express card after receiving some tempting offers. But with all the bad press the card issuer has been getting over the past few months, I'm starting to wonder: Are American Express cards as valuable as they used to be?

A March 2015 study by Principal Financial Group found that 63 percent of millennials started saving for retirement at or before age 25, but less than one-third are saving enough to secure a strong retirement later on.

The convenience checks from my credit union arrived just as I'd been musing about all the things we could do or buy once our savings account again reached critical mass. Temptation beckoned, but then I remembered that convenience comes at a cost.

The Consumer Financial Protection Bureau intends to issue regulations on prepaid cards' high-priced overdraft loans, so, as usual, it opened up an avenue for public comment. The outcry, however, is far from usual, as more than 500 customers of the prepaid company Netspend -- after some prompting from the company -- flooded the CFPB with comments. Nearly all pleaded to keep their high-priced loans, often with a tinge of desperation.

It's now easier than ever to see your credit score for free thanks to a growing number of credit card providers offering cardholders free scores. But according to a study from the credit bureau TransUnion, access hasn't brought clarity. Despite easier access to their scores, the three-digit numbers still mystify.

Paying down debt too quickly can be just as stressful as holding debt in the first place, or so I recently learned.

The next time you visit a store, think twice about the direction of your gaze when comparing different products. According to a forthcoming study in the Journal of Consumer Research, retailers could influence which products you prefer -- and how much you're willing to pay for them -- simply by placing them higher, or lower, on the shelf.

As the clock for the EMV fraud liability shift deadline ticks away, will your favorite mom-and-pop shop be ready to process your new chip card? Probably not, and numbers show they're not likely to be ready any time soon despite transition-assistance programs.

While clipping coupons and hunting for deals is more fun than sticking to a budget, you'll save more cash if you create a budget before you shop, according to a new study in the Journal of Consumer Research.

Griping to my credit card got me nowhere. Griping to the federal consumer protection bureau got me a $400 credit for rewards that were previously denied.

According to a growing body of research in a field of science called genoeconomics, the size of your bank account -- and the amount of credit card debt you carry -- may be partially determined by your genes.

Even though a recent FICO survey revealed that millennials are more likely to use mobile wallets than other age groups, I'm perfectly happy swiping my old-fashioned plastic cards. Here's why:

Having more money in the bank won't make you feel happier on a day-to-day basis, according to a new study. But it might make you less unhappy -- especially if you have enough cash stashed away to feel like you have some control over your circumstances.

Though we didn't hear it often during his reign as the chain-smoking, bed-haired, cardigan-clad enfant terrible of Seattle's grunge rock scene, a few hoarse chuckles from the late Nirvana frontman Kurt Cobain are no doubt hovering over the latest celebrity online auction. If anything could tickle Cobain's funny bone, it would have been the sight of his old SeaFirst Bank Visa credit card going to the highest bidder at "Legendary: Memorabilia from Rock Gods & Pop Stars," presented by auctioneer Paddle8 through Feb. 26.

An additional source of income can help you pay down debt or save for retirement, but the more you work, the more dollars and taxes you have to keep straight. Whatever your "side hustle" of choice is, here are a few tips for keeping your finances on track as you take on extracurricular employment:

The other day, my debt-averse husband shocked me when he proposed taking out a personal loan to help pay for our upcoming move to Southern California -- one of the priciest regions in the country.

I'd just started writing a new article for CreditCards.com on scams and fraud when my phone rang. It was a scammer, trying to defraud me. Even with my anti-fraud senses turned up to 11, I have to admit, these guys are good enough to make my heart skip a beat with their mentions of "formal complaint" and "attorney."

Despite Apple Pay's encryption and fingerprint recognition technology, fraudsters may have found a way to wiggle their way into the payment platform.

According to a new study published in Science magazine, researchers with access to 'anonymized' credit card data -- transactions that have been stripped of personally identifying information -- can piece together who bought what simply by using a few publicly available markers they've collected online, such as geo-tagged tweets and time-stamped Facebook status updates.

My credit card was declined when I tried to charge $750 worth of groceries for a church retreat. The culprit: bad fraud analytics. Here's what I learned from the embarrassing experience.

As the national student loan debt crisis continues, the Consumer Financial Protection Bureau is calling on private student loan industry leaders to do more to meet the repayment needs of struggling borrowers.

Qualifying for a new loan is about to get easier for the millions of Chinese computer users who don't yet have a credit card, but regularly go online to shop, pay bills and invest their personal savings.

To qualify for Federal grants and loans for college, students and their parents have to disclose extensive personal financial details but if that information is hard or nearly impossible to get due to special family circumstances, does that mean a student doesn't have a shot at getting financial aid? Not necessarily.

The Federal Reserve has taken another step in its effort to streamline the way money changes hands in the U.S., publishing a road map for banks, businesses, payment networks and consumers.

Millennials are thumbing their noses at credit cards and traditional banking services, according to multiple reports, and that's making some people in the financial services industry nervous about how they're going to attract such a picky crowd.

The credit bureaus are stepping in with some credit score deals for a very low price, but not all the scores are the same and for some, if you're not careful, buying into a cheap credit score deal could actually cost you more in the long run.


They're the pieces of plastic we love, and love to hate. Get the latest news, tips, research and more from the CreditCards.com staff.


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