Credit Information

Credit and Banking Money Saving Services

The first rule when applying for banking and credit services is to always read the fine print and to understand all of it. Read up, take it home, and analyze it, ask the banking manager questions. The fine print is there for a reason. The charges and requirements contained in there, will affect the savings or added expenses you incur, whenever you bank or use credit.

Checking Account
You can generate savings of more than $100.00 a year, when you select a checking account with a low or no minimum required balance. Request a list of the fees that are applicable to your account and compare with other checking account offers. Read the fine print. See if you qualify for the conditions and stipulations, the bank requires.

Savings account
Prior to opening a savings or investment account with the bank of your choice, ask the bank and check to see that the account is insured by the federal government (FDIC or NCUA). Otherwise, you will assume 100% of the risk; you may end up risking more rather than saving.

Certificates of deposit or treasury bills or notes. These certificates and notes are accurately called forced savings. They earn above average but only after, they've reached a maturity period. If you withdraw before the due date, you'll incur penalties. This is a competent way to generate savings from funds you have no immediate need for.

Once you've selected the type of savings or investment products, compare the rates and fees offered by different institutions. These rates can vary a lot and, over time, can significantly affect interest earnings.

Credit Cards
You'll generate more savings by researching on credit cards. Or you can call a research credit firm that will for a modest fee; send you a list of low-rate credit cards. Use the list to compare the features of each of these credit card companies, according to their interest rates and billing cycles. Is it a 28 day billing cycle, or a monthly one? What are the freebies? Such as Cash back or airline miles offers. Will you use these? You could be paying for these in the form of higher interest rates.

If you have a credit card, practice the habit of paying off your entire bill at months' end. You generate savings by not paying late payment or over-the-credit-limit fees, which will add up to bigger charges.

If you have a lot of credit cards, consider using only one or two credit cards.

In the long run, your research on banking and credit services, will pay you back well in terms of consistent savings.

Timothy Gorman is a successful Webmaster and publisher of He provides more debt relief, consolidation and financial planning advice that you can research in your pajamas on his website.

5 Places Never to Use a Debit or Credit Card  Yahoo Finance

In today's cashless culture, nearly all of our purchases (including those new ankle-boot beauties ) are paid for via credit card. But with all the identity theft...

Man With History Of Making Fake Credit Cards Now Facing Charges Here  KELOLAND TV

KELOLAND Investigates looks into the background of a man accused of making and using fake credit cards in Sioux Falls. We discovered he's done the same ...

Credit Suisse says lighten up on emerging markets stocks after big comeback  CNBC

Emerging-market stocks are off to a roaring start to the year, but investors might want to take some profits after the big move up, according to Credit Suisse.

LendingClub Slides as View Miss, Credit Fears Worry Analysts  Yahoo Finance

Analysts cut their price targets, and flagged credit concerns and tighter lending standards. LendingClub has “taken credit and pricing actions to resolve ...

Police seek ID of man who robbed credit union in Moraine  Dayton Daily News

Investigators have released photos of a man who police said robbed a DayMet Credit Union branch in M...

Global Recession Fear Is Suddenly Stalking the Credit Market  Bloomberg

The risk of a global recession has surged to the top of the worry list for credit investors even as they push down their cash balances to snap up new-year ...

Credit Suisse loses bid to dismiss lawsuit in U.S. over writedowns  Reuters

A U.S. judge has rejected Credit Suisse Group AG's bid to dismiss a lawsuit accusing the Swiss bank of defrauding shareholders about its risk appetite and risk ...

Greenwich senior tax credit hits another delay  Greenwich Time

GREENWICH — The attempt to renew an existing property tax credit for low-income Greenwich seniors encountered another delay Tuesday night as the Board ...

Credit union says skimmer was used in bank card scheme  WILX-TV

American One Credit Union managers say they believe a skimmer was used to steal card information from 600 ATM users in Jackson.

Spokane Federal Credit Union breaks ground on space to share finances and cup of coffee  The Spokesman-Review

Spokane Federal Credit Union broke ground Tuesday on its new Spokane Valley branch that will share a space with Revel 77 Coffee.

Buying Bitcoin with Your Credit Card News

It is possible to buy bitcoin with your credit card, but there are a few things to be aware of before doing so.

Elwyn moving staff to Camden after $39M tax credit  The Delaware County Daily Times

MIDDLETOWN — Elwyn announced it plans to move up to 200 administrative staff to Camden, N.J., after winning $39.6 million in tax credits in exchange for a ...

4 Things I’ve Learned on My Journey to Great Credit  Yahoo Finance

Not everyone with great credit started out that way. Here's my journey from bad credit to great credit, and four valuable things I've learned on the way.

Police: Cape Coral man accused of credit card fraud after investigation into fuel purchases  The News-Press

Police were notified by a gas station manager in January about suspicious fuel purchases by a man in a red/maroon pickup truck.

Florida remains hotbed for deals between credit unions, banks  American Banker

Fairwinds Credit Union's deal for Friends Bank marks the third time this year that a Florida bank has agreed to be sold to a credit union.

Best business credit cards for travel

The best credit cards for business travelers can make the journey more comfortable, more affordable and even more luxurious.

Failing Payless to honor gift cards, store credit into March  WHNT News 19

TOPEKA, Kan. — The failing Payless ShoeSource chain will honor gift cards and store credit until March 11th as the company liquidates all operations.

14 credit card skimmers found in Arizona so far in 2019  ABC15 Arizona

Officials have already found several credit card skimmers in the Valley this year.

New credit reporting option could raise your credit score

For decades, your FICO score was based on payment history with loans and credit cards.

How Should We Be Thinking About Credit Spreads?  Seeking Alpha

What is your time horizon? Credit spreads have been compressing in recent weeks but are materially wider than one year ago. The market may be nearing new ...

Long Beach's credit rating downgraded  Newsday

Moody's Investors *Service* reduces its rating citing the city's use of reserves to balance its budget. The agency also gave the city a negative outlook.

Bill Proposes to Fix Credit Reports for Federal Employees

A new bill would force credit bureaus to remove negative information on federal employees' credit reports that resulted from the recent government shutdown.

The Latest: Trump takes credit for blocking IS woman from US  WJHL-TV News Channel 11

WASHINGTON (AP) - The Latest on the Alabama woman who left home to join the Islamic State group in Syria and now wants to return to the U.S. with her child ...

Captain Marvel: Pre and post credit scenes revealed and 'THIS one will make you CRY'  Express

CAPTAIN MARVEL preview screenings have revealed three post and pr-credit scenes – one of them will reduce you to 'tears' and this is why. But are there any ...

Erdogan Makes Cheap Loans a Central Plank in Campaign Trail  Bloomberg

Turkey's government is making cheap credit a key part of its campaign, pushing banks to take on greater risks in an economy that's already teetering on the brink ...

FORUM Credit Union announces new council members - Business  WTHR

INDIANAPOLIS (WTHR) — FORUM Credit Union welcomed three new members to their advisory council and extended the term of ten other members.

Police searching for pair of credit card thieves  FOX 29

Police are asking for your help to identify two suspects wanted for after allegedly using a stolen credit card. Officials say they were called out to 1002 River Road ...

Sebastian Joe's, Dunn Bros., Chino Latino hit by credit card data breach  City Pages

What do Maple Grove steakhouse Pittsburgh Blue, Minneapolis ice cream sensation Sebastian Joe's, and St. Paul-based coffee chain Dunn Bros. have in ...

Retirement home employee used 95-year-olds credit card to pay car note, deputies say  Gainesville Sun

Essence Kiara Johnson, 29, of Gainesville, was charged with grand theft, illegal use of a credit card and exploiting the elderly.

Firefighters Credit Carbon Monoxide Detectors for Saving Lives at Apartment Complex  9&10 News

Firefighters say carbon monoxide detectors are to thank for alerting several people of elevated gas levels at a Grand Traverse County apartment complex.

Abu Dhabi Oil Giant's Credit Ranked AA as Aramco Seeks Rating  Bloomberg

Abu Dhabi's government-owned oil giant received the region's highest credit rating as Middle Eastern producers, including the world's largest Saudi Aramco, ...

Credit-scoring changes coming in 2019  Big Country Homepage

Get ready for the biggest shift in credit reporting and scoring system in decades.

Carson City investigators ask for public's help identifying burglary, credit card fraud suspects  Carson Now

The Carson City Sheriff's Office Investigation Division is asking for public assistance in identifying possible suspects in a residential burglary and subsequent ...

Barack Obama Takes Credit For Steph Curry's Lethal Jump Shot  TMZ

Being the president is pretty cool... but Barack Obama's biggest accomplishment came on the hardwood.

Cloned credit cards used in hotel room rentals

Anthony Wingert and Shay Wright-Mack were arrested February 5 near a Troutdale motel, the Multnomah County DA's Office said in a release.

Bankers: Mega credit unions should give Iowa families the break they deserve  Des Moines Register

Mega credit unions are no longer focused on fulfilling their tax-exempt mission to serve the "little guy."

Credit Card Data Breached at Shops Across Minnesota  WJON News

Credit card information for customers at a number of businesses in central and greater Minnesota could have been compromised last month.

Man robs Flagstaff's One AZ Credit Union Tuesday afternoon, flees the scene  Arizona Daily Sun

The Flagstaff Police Department is requesting help in identifying the suspect who robbed the OneAZ Credit Union on the corner of South Beaver Street and West ...

Instagram’s fundraiser stickers could lure credit card numbers  TechCrunch

Mark Zuckerberg recently revealed that commerce is a huge part of the 2019 road map for Facebook's family of apps. But before people can easily buy things ...

Marriott workers' lawsuit says inconsistent schedules and credit union loans are a predatory mix

Hourly Marriott workers in Philadelphia are in the midst of a lawsuit against the Marriott Employees Federal Credit Union, saying the credit union's $500 ...

Multi-state scheme to steal Home Depot customer credit cards ends in Cincinnati traffic stop  WCPO

CINCINNATI — A routine traffic stop in Cincinnati in 2017 unraveled a nationwide scheme to defraud Home Depot by stealing customer credit card numbers, ...

Enter the ‘Twilight Zone’ as Stock Nightmares Meet Credit Dreams  Bloomberg

By one measure, it's been decades since stock traders were willing to pay so much for the strongest companies out there -- just as credit investors rush to the ...

After merger, Army Aviation Center Federal Credit Union getting new name  Dothan Eagle

After the announcement of a merger with Wiregrass Federal Credit Union last week, Army Aviation Center Federal Credit Union is getting a name change.

Fraud investigation at University of Iowa Community Credit Union branch leads to arrests  KCRG

HIAWATHA, Iowa (KCRG) - Police have arrested two people after a fraud alert from an ATM triggered an investigation in Hiawatha.

Suspects sought for stealing purse and credit cards from vehicle  FOX 8 Live WVUE

KENNER (WVUE) - The Kenner Police Dept. is searching for two subjects they say stole a purse and credit card from a vehicle. Police say on Feb. 6 a vehicle ...

Blackhawk Community Credit Union to donate building to HealthNet  Gazettextra

Blackhawk Community Credit Union plans to donate its administrative building on Kennedy Road to HealthNet of Rock County.

North Texas Law Enforcement Face Challenges In Catching Credit Card Skimmers  CBS Dallas / Fort Worth

NORTH TEXAS (CBSDFW.COM) – With new technology comes new challenges. Monday night the CBS 11 I-Team showed how gas pumps skimmers are on the ...

Bye-bye boring credit card rewards — the future is flexible

Issuers are beginning to introduce innovative rewards structures as incentives for potential cardholders. Is this the future of the credit card industry?

Stretch Your Dollar: Changes that might affect the way your credit score is calculated

Get ready for a big change in credit reporting. Two of the companies that help determine your cost to borrow money are adding new features this year that could ...

As Hawaii's film industry thrives, some fear tax credit cap could put it in jeopardy  Hawaii News Now

"Jurassic World: Fallen Kingdom" has smashed box office records, surpassing the $1 billion mark worldwide within weeks of being released.

Credit card skimmers discovered at gas stations around the Big Bend  WTXL ABC 27

(WTXL) - Authorities in several Big Bend counties are investigating after multiple credit card skimmers have been discovered at local gas stations.

Fraudsters steal credit card info from dozens across the Tri-Cities  KEPR 19

TRI-CITIES, Wash. -- A group of fraudsters have stolen thousands of dollars from unsuspecting Tri-Cities shoppers. Police say they're looking for them.

Tourism board seeks $100K line of credit | Education  Times Daily

FLORENCE — The Florence/Lauderdale Tourism Board in a called meeting Tuesday voted to enter into discussion with the city's chief accountant about ...

Big Island man charged on 25 counts of credit card theft  Honolulu Star-Advertiser

Big Island police have charged a 24-year-old Pahoa man in connection with multiple financial crimes. On Feb. 13, officers responded to a business on ...

How to spot and avoid credit card skimmers  Yahoo Finance

The moment I started seriously worrying about credit card and debit card skimmers wasn't when my entire bank account was transferred to Turkey, or when I had ...

Credit, Debit Card Data Stolen From Coffee Shops  KNSI Radio

(KNSI) - Customers of a coffee shop in St. Cloud and some other stores in Central Minnesota could have had their credit or debit card information stolen.

Clubs at River City employee misuses company credit card at Menards  Peoria Journal Star

PEORIA — A Peoria health-club employee used a company credit card to buy about $4000 in personal merchandise, police stated.The apparent thefts by a ...

Medford Police Looking For Credit Card Fraud Suspect  KDRV

Medford police are asking for the public's help in finding a male suspect responsible for fraudulently using credit cards at multiple locations around the city.

Tax credit bill for family caregivers in Wisconsin released  WSAW

A bipartisan proposal backed by AARP would create a $1000 income tax credit for family members in Wisconsin who give care to qualified disabled and elderly ...

New widow wants to establish credit in her own name: Money Matters

My husband passed in April 2018. Currently, my credit score is good and is in both our names. Our credit files are frozen. I have been using two credit cards in ...

Corporate Credit Could Be the Next Bubble to Burst  Barron's

Debt Be Not Proud: The danger in the complacency about corporate credit.

Members of local credit union receive phone calls about compromised debit cards  WNEM Saginaw

Several debit card holders in Mid-Michigan are being told to be on the lookout after many of them received concerning phone calls. Several members of a local ...

Univ. of Iowa Credit Union to open at old Toys "R" Us location in Davenport  KWQC-TV6

DAVENPORT, Iowa (KWQC) - The old Toys "R" Us building in Davenport is coming down according to a credit union official. This is at the intersection of ...

Customer Service Empowerment Brings Best Practices To Life: A Retail Banking-Credit Union Case Study  Forbes

Although I design and deploy customer *service* best practices as a customer *service* consultant, building a world-class customer *service* operation and customer ...

Person of interest in identity fraud, credit card fraud case  FOX 5 Atlanta

Police need help identifying and locating a person of interest in a credit card fraud and identity fraud case.

Rep. Alexandria Ocasio-Cortez takes aim at Equifax and credit scoring  The Washington Post

Freshman Rep. Alexandria Ocasio-Cortez (D-N.Y.) took aim at the credit reporting agency Equifax over the weekend, criticizing the company — which disclosed ...

Credit and Debit Cards Raising Fees on Merchants, Highlights Comparative Advantage of Cryptocurrencies  Dash News

Posted by Justin Szilard | Feb 19, 2019 | News |. Credit and Debit Cards Raising Fees on Merchants, Highlights Comparative Advantage of Cryptocurrencies.

Savings from Missouri's tax credit shift are not factoring into the budget

JEFFERSON CITY • Although a Senate proposal to cap spending on low-income housing tax credits could save the state as much as $600 million over the next ...

Credit Card Merchant Fee Hikes Could Mean Higher Prices for Everyone  Fortune

Credit card companies Visa, Mastercard, and Discover, will raise their processing fees in April, according to the Wall Street Journal. That's likely to mean prices ...

Deputies need your help identifying woman accused of spending $40,000 with fraudulent credit card  ABC Action News

The Hillsborough County Sheriff's Office is looking for a woman who is accused of going on a $40000 shopping spree with a fraudulent credit card in multiple ...

How young people can build their credit  CNBC

Young people shouldn't wait until they graduate college to start building their credit history. Here are some ways that people ages 18 to 22 can start doing that.

The Future is Here: Social credit scores  CBS 8 San Diego

SAN DIEGO (NEWS 8) - It's a futuristic and frightful concept cleverly captured in a popular episode of “Black Mirror” on Netflix. The premise is a system rating ...

North Bay Credit Union takes rare step of opening business accounts for cannabis operators  The Santa Rosa Press Democrat

Across California where recreational marijuana sales became legal Jan. 1, 2018, cannabis enterprises typically remain cash-only businesses unable to access ...

GOAT App Offering $1000 In Credit For The Best Custom Sneakers  HotNewHipHop

GOAT is encouraging consumers to transform their white sneakers for cash. If you're familiar with the shoe world and the resale market than you surely know w...

9 Reasons Cryptocurrency Is Better Than Credit Cards Today  Dash News

Posted by Joël Valenzuela | Feb 17, 2019 | Opinion |. 9 Reasons Cryptocurrency Is Better Than Credit Cards Today. Recent credit card fee hikes have sparked ...

China Credit Growth at Record in January Amid Seasonal Surge  Bloomberg

China's credit growth exceeded expectations in January amid a seasonal lending surge at the start of the year.

Rep. Ocasio-Cortez hints at hearing for credit score system

Rep. Alexandria Ocasio-Cortez called the credit score system "very broken" in a series of social media posts over the weekend. The New York Democrat said ...

Bragg soldier has credit bill paid off  The Fayetteville Observer

A Fort Bragg soldier learned he no longer has holiday debt after being named a winner in a credit card program pay-off sweepstakes last week.Sgt. 1st Class ...

Vote for Community Credit Union Athlete of the Week for Feb. 11-16  Florida Today

It's time to vote for the Community Credit Union FLORIDA TODAY Athlete of the Week for Feb. 11-16. Vote at or You will find the ...

Here's how to save thousands with credits and deductions on your 2018 tax return  CNBC

The tax code has gone through an overhaul since the beginning of 2018, but there are still opportunities to scoop up a few tax breaks that have managed to stick ...

Davenport police investigating armed robbery at DuTrac Community Credit Union  Quad City Times

The Davenport Police are looking for a male subject involved in a armed robbery of the DuTrac Community Credit Union on Saturday morning.

Getting and keeping the credit (score) you deserve  WTOP

Your credit can affect everything from everyday shopping to big ticket purchases, from where you live to getting a job or starting your own business. Nina Mitchell ...

Woman Went on $10K Shopping Spree With Stolen Credit Cards: Cops  Port Jefferson, NY Patch

Woman Used Stolen Credit Cards: Cops - Port Jefferson, NY - Suffolk Police are asking for the public's help to find her.

4million Brits set for £280-a-month boost from Universal Credit – but others could be plunged into poverty if  The Sun

Amber Rudd hailed a *fresh* report which said the new benefits system will help pull hundreds of thousands out of poverty in future, but vowed to do more to make ...

Opening date set for new downtown Flint credit union

FLINT, MI -- The date has been set for a new credit union opening in downtown Flint. ELGA Credit Union posted a message on its Facebook page noting a grand ...

Alexandria Ocasio-Cortez's War on Credit Scores Is a Big Deal  Truthout

Credit scores: Everyone's got one, even if they don't know it — and these numbers can have a profound impact on the trajectory of your life. Representative ...

Marriott’s new Bonvoy credit card bonus: 100,000 points!  San Francisco Chronicle

TravelSkills has partnered with The Points Guy for our coverage of credit card products and may receive a commission from card issuers. Along with Marriott's ...

4 Steps To Pay Off Credit Card Debt  Forbes

It's no secret that credit card debt is expensive. Don't have a game plan? Here are 4 steps to pay off credit card debt faster. Step 1: Organize your credit cards.

"Credit cards are a scam!" says Bongani  East Coast Radio

Bongani's cousin wants a credit card and has even been offered one by a financial institution. Bongani's warned him not to ever go down that road.

Georginio Wijnaldum is not just another Liverpool workhorse - he deserves more credit than that  The Telegraph

By the time a player is grudgingly heralded an unsung hero or said to be terribly underrated, you can bet that player is in fact very much sung and justly rated by ...

New Ways to Improve Your Credit Score Coming Soon

Consumers with thin or subprime credit histories will soon have new ways to improve their credit scores. Experian Boost and UltraFICO could improve your credit ...

Credit card fraud  WCAX

Two Massachusetts men arrested in Vermont as they tried to pick up a large order of illegally purchased electronics.

It's Official: Marriott Bonvoy Credit Cards Are Now Live With 100K Point Offers  Forbes

Forbes has partnered with The Points Guy for our coverage of credit card products. Forbes and The Points Guy may receive a commission from card issuers.

'Crooked cupid' accused of stealing credit cards for Valentine's Day gifts  KTRK-TV

Video shows the man purchasing several Valentine's Day gift cards with stolen credit cards.

7 ways to ensure IT gets the credit it deserves  CIO

Often ignored, overlooked or even snubbed, IT needs to claim its rightful place in the enterprise spotlight. Here's the steps you can take to raise IT's profile and ...

There's a new way to instantly boost your credit score

A new credit assessment program could help millions of Americans instantly improve their credit scores, simply by adding data from their checking account.

Man Robs Mission Federal Credit Union In Scripps Ranch -  KUSI

SAN DIEGO (KUSI) – A man robbed a Scripps Ranch credit union branch and escaped before police could arrive, an officer said today. The suspect showed up ...

The top 5 US cities with the best—and worst—credit scores  CNBC

A credit score is an important measure of financial health and can signify your trustworthiness to institutions. To find which places have the best and worst scores ...

The Obstacle Between Credit Funds and a Giant Pool of Money  Institutional Investor

Insurance companies are vying for yield, and asset managers are eager to provide it through alternatives such as private credit. There's just one problem.

General Dynamics downgraded by Credit Suisse: 2019 forecast is 'well behind defense peers'  CNBC

Credit Suisse downgraded General Dynamics stock to neutral from outperform on Friday, saying the company is "well behind defense peers" in projected growth ...

home | site map
© 2007