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4 Moves That Can Ding Your Credit MOST PEOPLE KNOW THAT PAYING bills late can play havoc with your credit score. But not every move that shaves points from your credit score is so obvious. Charging a big balance to a store card. You're tempted to buy thousands of dollars' worth of furniture or appliances and charge it all to a store credit card that doesn't require payments for si ... read more>>   5 Situations When It is OK to Close a Credit Card WHENEVER MACY'S ANNOUNCED A SALE on Jones New York suits or high-heeled sandals, Deanna S.- Walker would dash to the department store. And when her husband would travel for his business, it was such a convenience to pay at the pump with their Amoco gas card. However, the result would sometimes be a carryover of the balance since determining their m ... read more>> Chase Sweetens Rewards to Prompt Card Use JPMorgan Chase & Co. is giving its three top credit card program customers several options to redeem points and buy gifts for the holiday season, a move that will create buzz for the products and may help spur consumers to move back to using credit cards more often for holiday shopping, analysts say. Chase's annual Ultimate Rewards holiday program ... read more>>   Credit Card Tricks Credit card fraud is big business in Canada. Last year, crooks racked up nearly $366-million worth of charges on lost, stolen or otherwise compromised cards, targeting nearly half a million customers, according to figures from the Canadian Bankers Association. That explains why the industry has been pushing the adoption of more secure microchip car ... read more>> Give Them Credit THERE ARE SOME INSTANCES, such as travel or an emergency, when it is handy to have a credit card as a back-up to a cash card and a debit card. With most credit cards you need an income when you apply and often the income needed is more than most university students earn. There are only two credit cards that target students: Westpac's Student Visa a ... read more>>   How To Get Approved For A Credit Card A dollar doesn't seem to go as far as it once did. No longer will a single greenback get you a gallon of gas, a bus ride or a slice of pizza. Same holds true for the FICO scores that determine an individual's creditworthiness. Before the recession, credit card issuers were extremely eager to hand out plastic, relaxing their standards to the point ... read more>> ID Analytics Unveils Prescreen Credit Score ID Analytics, a leader in consumer risk management, today announced a new alternative credit scorethat has proven to help U.S. lenders and card issuers safely maximize their universe of prospects while minimizing risk. Credit Optics? Prescreen is the latest addition to ID Analytics' Credit Optics suite of alternative credit risk solutions designed ... read more>>   Rewards Cards Get More Rewarding YOU MAY HAVE NOTICED, while shredding the latest crop of credit card mailers, that rewards programs seem to be getting more generous. After retrenching during the recession, "card issuers are back in the game in a big way trying to get new customers," says Ben Woolsey of CreditCards.com. They're using retooled rewards as a lure. Here's how to asses ... read more>> Survival Guide Household Finance As Bank of Canada governor Mark Carney has repeatedly warned, Canadian household debt is at alarming levels. The first step to depression-proofing your personal finances is paying down that debt. Robert Abboud, a certified financial planner based in Ottawa and author of No Regrets: A Common Sense Guide to Achieving and Affording Your Life Goals, sa ... read more>>   Watch Out For Business Credit Cards THE PEW CHARITABLE TRUSTS RELEASED A STUDY showing that millions of individuals and small business owners receive offers for business credit cards each month. While this might sound like a tempting offer for some, you should note that business credit cards are not covered by the Credit Card Accountability Responsibility and Disclosure (CARD) Act of ... read more>>