Observers in the lending industry have estimated that there may be at least 50 million Americans who are not able to qualify for credit. These consumers are usually young, often members of the minority groups and unbanked…and they are faced with the long-standing dilemma of credit: how can I build my credit record if no [...]

It may seem incredible, but credit card issuers clog the mails with over 2.5 billion offers inviting people to apply for a credit card. Even those who would not qualify for a conventional credit card due to serious credit problems are now able to get one; some credit card issuers even specialize in this particular [...]

Perhaps you have noticed the changes in the credit card offers you have been receiving. For instance, early this year Chase Card Services junked the two-cycle billing practice on their credit cards, where your average daily balance subjected to interest was calculated on the basis of two full cycles instead of only one billing cycle. [...]