Credit card companies spend billions of dollars each year marketing their cards to consumers, often using flashy commercials to advertise cash back bonuses, 0% interest rates, and other attractive qualities. But with all the options out there, how do you decide which company earns your business? While there are a number of considerations to evaluate when making this decision, for many consumers, cash back bonuses have become one of the most highly valued considerations. Lauren Stansell recently shared her thoughts on cash back cards with BankRate.com – read on to see what Lauren had to say.
Just in time for cybersecurity awareness month, a new federal law effective September 21 brings about two positive changes for consumers – free credit freezes and unfreezes and year-long fraud alerts. These two security measures add an extra layer of protection to your personal information by restricting access to your credit file. Credit freezes achieve this by preventing lenders from pulling your credit file until you choose to unfreeze your information. Similarly, fraud alerts prompt lenders to take extra steps to verify your identity before accessing your information. Both of these efforts help ensure that your credit is accessed only for instances that you – not a fraudster – have authorized. Read on for details on establishing a credit freeze or a fraud alert based on our firsthand experience.