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	<title>MoneySavingCreditCardSecrets.com Blog</title>
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	<link>http://moneysavingcreditcardsecrets.com/blog</link>
	<description>CREDIT CARD CONFIDENTIAL - An Insider Reveals How To Avoid Heartbreak, Wasted Fees &#38; Identity Theft</description>
	<pubDate>Wed, 20 Jan 2010 10:15:46 +0000</pubDate>
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			<item>
		<title>Inactive Credit Cards Lose Rewards</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/11/24/inactive-credit-cards-lose-rewards/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/11/24/inactive-credit-cards-lose-rewards/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 08:41:12 +0000</pubDate>
		<dc:creator>0016</dc:creator>
		
		<category><![CDATA[Credit Card Closings]]></category>

		<category><![CDATA[Reward Programs]]></category>

		<category><![CDATA[Suspended Accounts]]></category>

		<category><![CDATA[credit card cash back]]></category>

		<category><![CDATA[credit card rewards]]></category>

		<category><![CDATA[how to close a credit card account]]></category>

		<category><![CDATA[how to close credit card account]]></category>

		<category><![CDATA[how to close credit card accounts]]></category>

		<category><![CDATA[redeeming credit card rewards]]></category>

		<category><![CDATA[redeeming rewards]]></category>

		<category><![CDATA[rewards credit cards]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=114</guid>
		<description><![CDATA[






At least one major credit card company has put a new program in place: credit card accounts that are inactive for 13 months are being suspended and, around two months later, closed.
This is significant because suspended accounts, while not yet closed, are useless. They are restricted from all transactions.
A card associated with a suspended account [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/11/24/inactive-credit-cards-lose-rewards/feed/</wfw:commentRss>
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		<item>
		<title>Do You Know This Credit Card Rate Hike Formula?</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/10/15/do-you-know-this-credit-card-rate-hike-formula/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/10/15/do-you-know-this-credit-card-rate-hike-formula/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 11:11:26 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[Credit Card Interest Rates]]></category>

		<category><![CDATA[Credit Card Rates]]></category>

		<category><![CDATA[credit card default rate]]></category>

		<category><![CDATA[credit card default rates]]></category>

		<category><![CDATA[credit card late payment]]></category>

		<category><![CDATA[credit card late payments]]></category>

		<category><![CDATA[credit card rate increase]]></category>

		<category><![CDATA[credit card rate increases]]></category>

		<category><![CDATA[credit cards late payment]]></category>

		<category><![CDATA[default rates]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=152</guid>
		<description><![CDATA[Credit card rates are raised according to rules and formulas.
When they are raised to penalize a cardholder for a violation of contract terms (by applying a penalty rate to the account) that change in rates is called repricing. 
HOW TO AVOID REPRICING
Repricing occurs as a result of late payments.  So make sure your payments [...]]]></description>
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		<item>
		<title>Consolidating Credit Card Debt</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/10/13/consolidating-credit-card-debt/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/10/13/consolidating-credit-card-debt/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 03:07:59 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[Credit Card Debt Advice]]></category>

		<category><![CDATA[Credit Card Help]]></category>

		<category><![CDATA[consolidating credit card debt]]></category>

		<category><![CDATA[credit card bill consolidation]]></category>

		<category><![CDATA[credit card consolidation]]></category>

		<category><![CDATA[credit card consolidation help]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=157</guid>
		<description><![CDATA[
If you have two, three, four, five or more credit card accounts that are carrying balances, chances are that all of them have had their interest rates raised in the last few months.
If you couldn&#8217;t pay them off before, you&#8217;re not going to be able to pay them off  separately when they are all accruing [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/10/13/consolidating-credit-card-debt/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Filing For Bankruptcy Video</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/09/06/filing-for-bankruptcy-video/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/09/06/filing-for-bankruptcy-video/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 11:36:18 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[Credit Card Help]]></category>

		<category><![CDATA[before filing for bankruptcy]]></category>

		<category><![CDATA[considering filing for bankruptcy]]></category>

		<category><![CDATA[file for bankruptcy]]></category>

		<category><![CDATA[filing for bankruptcy]]></category>

		<category><![CDATA[filing for chapter 7 bankruptcy]]></category>

		<category><![CDATA[filing for personal bankruptcy]]></category>

		<category><![CDATA[how to file for bankruptcy]]></category>

		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=156</guid>
		<description><![CDATA[
Credit card issuers have raised interest rates to unbelievable levels, increasing some to more than double what they were. The high twenties are common and some credit cardholders accounts have been raised to thirty percent and more.
Unless you have a very small balance on such an account, it can be impossible to pay off this [...]]]></description>
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		</item>
		<item>
		<title>Credit Card Interest Rate Increase</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/09/05/credit-card-interest-rate-increase/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/09/05/credit-card-interest-rate-increase/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 00:13:46 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[Credit Card Help]]></category>

		<category><![CDATA[credit card companies raise interest rates]]></category>

		<category><![CDATA[credit card information]]></category>

		<category><![CDATA[Credit Card Interest Rates]]></category>

		<category><![CDATA[credit card interest rates increase]]></category>

		<category><![CDATA[credit card problems]]></category>

		<category><![CDATA[credit card rate increases]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=155</guid>
		<description><![CDATA[






Lauren K. Bodenski left this comment, and her situation is common.
&#8220;Our credit card company, Chase, just raised our credit limit to 27.24% (from 12.99%) from June to July statements. When I called to ask, I was told that the federal government has frozen interest rate changes pending enactment of the Credit Card Reform Act implementation [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/09/05/credit-card-interest-rate-increase/feed/</wfw:commentRss>
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		<item>
		<title>Credit Card Lenders Tighten Up Rules To Require Documented Proof of Income</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/07/02/credit-card-lenders-tighten-up-rules-to-require-documented-proof-of-income/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/07/02/credit-card-lenders-tighten-up-rules-to-require-documented-proof-of-income/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 11:04:45 +0000</pubDate>
		<dc:creator>0016</dc:creator>
		
		<category><![CDATA[Applying For Credit Cards]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=154</guid>
		<description><![CDATA[






In an increasing effort to protect itself, the credit card company I work for is requiring physical proof of income from both new and established customers.
Yet this company is not alone in its policy changes. All credit card lenders are working to put protections in place in an attempt to circumvent loan defaults. 
UNVERIFIABLE INCOME: GOING, GOING&#8230;
There was a [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/07/02/credit-card-lenders-tighten-up-rules-to-require-documented-proof-of-income/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Redeem Rewards Before Closing Credit Card Accounts Or You&#8217;ll Automatically Forfeit Them</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/06/03/redeem-rewards-before-closing-credit-card-accounts/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/06/03/redeem-rewards-before-closing-credit-card-accounts/#comments</comments>
		<pubDate>Wed, 03 Jun 2009 11:04:03 +0000</pubDate>
		<dc:creator>0016</dc:creator>
		
		<category><![CDATA[Credit Card Help]]></category>

		<category><![CDATA[Reward Programs]]></category>

		<category><![CDATA[credit card advice]]></category>

		<category><![CDATA[credit card reward programs]]></category>

		<category><![CDATA[financial advice credit card]]></category>

		<category><![CDATA[financial literacy credit card]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=105</guid>
		<description><![CDATA[
Many credit card customers are getting notices that their accounts are being closed as of a certain date.
Millions of other credit cardholders have gotten notices of changing terms, and are calling in to close their accounts.
Be aware that the software interface that is used by the credit card call center reps to answer your questions and  process requests to close accounts is [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/06/03/redeem-rewards-before-closing-credit-card-accounts/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Save Print Copies Of Credit Card Special Offers</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/06/02/save-print-copies-of-credit-card-special-offers/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/06/02/save-print-copies-of-credit-card-special-offers/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 23:04:25 +0000</pubDate>
		<dc:creator>0016</dc:creator>
		
		<category><![CDATA[Credit Card Help]]></category>

		<category><![CDATA[Credit Card Promotions]]></category>

		<category><![CDATA[Balance Transfers]]></category>

		<category><![CDATA[cash back cards]]></category>

		<category><![CDATA[credit card advice]]></category>

		<category><![CDATA[credit card rewards programs]]></category>

		<category><![CDATA[credit card special offers]]></category>

		<category><![CDATA[financial advice credit card]]></category>

		<category><![CDATA[financial literacy credit cards]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=112</guid>
		<description><![CDATA[






A customer called to claim that there was a major discrepancy between the rewards program that she had agreed to, and the rewards program she was getting.
She was supposed to be getting a 5% cash back reward on certain purchases, but she was only receiving the rewards on a limited amount of these purchases. Her credit [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/06/02/save-print-copies-of-credit-card-special-offers/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit Card Over Limit Fees Up</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/05/29/credit-card-over-limit-fees-up/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/05/29/credit-card-over-limit-fees-up/#comments</comments>
		<pubDate>Fri, 29 May 2009 11:07:20 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[Making Credit Card Payments]]></category>

		<category><![CDATA[Save Money On Credit Card]]></category>

		<category><![CDATA[avoid over limit fee]]></category>

		<category><![CDATA[credit card advice]]></category>

		<category><![CDATA[credit card company profits]]></category>

		<category><![CDATA[financial advice credit card]]></category>

		<category><![CDATA[financial literacy credit cards]]></category>

		<category><![CDATA[maxed out card]]></category>

		<category><![CDATA[personal financial literacy]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=145</guid>
		<description><![CDATA[






When your card is maxed out, you must add extra to your minimum payment, to make sure that your balance stays below your credit limit.
Otherwise you will get dinged for an over limit fee at the end of the month, when the interest that has been accruing all month gets added to your balance and takes you over your credit limit.
So many still [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/05/29/credit-card-over-limit-fees-up/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Low Minimum Payment Credit Card:  Clever, Diabolical and Profitable Strategy</title>
		<link>http://moneysavingcreditcardsecrets.com/blog/2009/05/28/the-low-minimum-payment-credit-card-a-clever-diabolical-and-profitable-strategy/</link>
		<comments>http://moneysavingcreditcardsecrets.com/blog/2009/05/28/the-low-minimum-payment-credit-card-a-clever-diabolical-and-profitable-strategy/#comments</comments>
		<pubDate>Thu, 28 May 2009 11:08:55 +0000</pubDate>
		<dc:creator>Clyo</dc:creator>
		
		<category><![CDATA[credit card reform]]></category>

		<category><![CDATA[credit card advice]]></category>

		<category><![CDATA[Credit Card Debt Advice]]></category>

		<category><![CDATA[credit card minimum payment]]></category>

		<category><![CDATA[financial advice credit card]]></category>

		<category><![CDATA[how credit card companies make money off low income cus]]></category>

		<category><![CDATA[minimum credit card payment]]></category>

		<category><![CDATA[personal financial literacy]]></category>

		<category><![CDATA[smart credit card advice]]></category>

		<category><![CDATA[the skinny on credit cards]]></category>

		<category><![CDATA[why minimum payments for credit card accounts are low]]></category>

		<guid isPermaLink="false">http://moneysavingcreditcardsecrets.com/blog/?p=142</guid>
		<description><![CDATA[



 



The Visa system as we know it today, was started decades ago by a businessman who found himself in the embarrassing position of not having enough cash in his wallet to pay for a dinner for his clients.
He had the money to buy whatever he wanted; he just didn&#8217;t have it on him. He subsequently vowed that neither he nor anyone [...]]]></description>
		<wfw:commentRss>http://moneysavingcreditcardsecrets.com/blog/2009/05/28/the-low-minimum-payment-credit-card-a-clever-diabolical-and-profitable-strategy/feed/</wfw:commentRss>
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