FREE Consumer Education Site for Credit Cards

Learn about the "fine print" on your credit card statements and your rights when your credit cards and debit cards are stolen.

This site is all about educating consumers on credit cards. Here you'll learn about the hidden costs buried in credit card disclosure statements, which credit laws protect you against credit card scams and rip-offs, debit card rules, why credit card insurance is useless and how and where to file complaints about credit card bills and charges.

Many credit card companies offer initial "teaser9quot; rates as low as zero percent but . . .

what you end up with is not what you expected! Use this site to educate yourself about credit cards! The Internet makes finding a great credit card rewards program or instant on-line credit card approval extremely convenient but, there are pitfalls so be sure to shop around for the best credit card interest rates and rewards especially, on guaranteed approval credit cards, debit cards, and charge cards.

Credit Card Scams are all over the place! They usually start with a call from someone claiming to be from "VISA9quot; or "MasterCard9quot;! Here is how the scam unfolds.

Learn the truth about the top 20 debt and credit myths plus tips and tools for dealing with collectors who use illegal and unethical debt collection tactics!

Get answers to FAQs about debt collection, credit reports, student loans, small claims court, bankruptcy, child support, credit cards, home foreclosure, wage garnishment, and judgments. If you don't find an answer, use the FREE "Ask Question" feature to ask Rich directly.

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This site will assist you in comparing various credit cards on offer. This will let you pick the card that fits the bill, thus simplifying the tedious process of selecting the right credit card online. The comparison will also let you get a good deal based on your needs. On this site, we explain features of various cards, advantages with every card and charges that card holders need to be warned of in advance. These are mostly charges that are otherwise not noticed. Visitors to the site will also find links to the secure application forms of various credit card issuers, thus making their job easy.

The selection of the credit cards takes place on the basis of several different criteria. The credit cards compared on the site are all cards that one can apply for online. Besides cards, only from card issuers practicing transparency with regards to terms and conditions and rates, are compared. Lastly, all the cards discussed are issued by national issuers.

The site isn't directly related to the application process of a credit card. All it does is provide the link to the application forms for every card, once the reader makes a choice of the card that suits their needs. The links enable you to apply for your favourite credit card online, which has many benefits, most importantly security and confidentiality of private information, compared to submitting documents to agents.

You can apply if: your credit history is short. You've had your own credit card, loan or have been an authorized user on someone's credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

We are amongst the best finance advisors in business, helping customers to compare and choose between the various credit cards on offer. The site, which has been appreciated many times by the press and has received awards too has been able to clear the dilemma faced by a lot of customers when it comes to choosing the right credit card.

Recently Added or Updated Credit Cards

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All information presented on this website is subject to change. We do our best to maintain it accurate and up to date. However, we recommend all our visitors to read the credit cards′ terms and conditions on the application page before submitting the application form. Note that this website may be compensated if visitors choose to utilize the links on this website. is an independent, advertising-supported website. receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. does not present, nor does it review all available credit offers.

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Advantages and disadvantages of debit cards

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Credit card security problems and solutions

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The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. Bellamy used the term credit card eleven times in this novel. The modern credit card was the successor of a variety of merchant credit schemes. It was first used […]

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Credit cards are issued by a credit card issuer, such as a bank or credit union, after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card. Merchants often advertise which cards they accept […]