CardTrak.com - Latest Comments

Re: Sam’s Club 5-3-1 Card

Lauren Hyndes — Sat, 12 Jul 2014 00:33:29 -0000

I was never a big Sam's club fan but maybe this will change my mind a little bit.

Re: WORST CREDIT CARD 2013

Cole Treat — Mon, 23 Jun 2014 16:07:01 -0000

I was just issued a premier card n a lot of these numbers are wrong.

All I have to say is,"..... you borrow money from your card then be responsible n pay it back a couple of days, before it's due.

And no I don't work for premier for Those who are bias against positive responses.

I just haven't had a bad experience, yet.

The cash withdrawal is 40% then after 90days it's 50% or all credited amount.
And I did pay a processing fee to show I want to become a credit worthy applicant in gaining trust. Which gave a limit of 300$ not 225$ . But I'M pretty sure it depends on account and applicant.

Apr rates stay the same for life n I plan on paying on time so I don't get charged.

Debit /credit TRANSACTION/purchases are open to entire credit limit.

Must REmember u are building trust n every merchant in 2014 deals with debit/ credit *card transactions.

Small amount of vendors use cash only.

Re: American Express Serve Prepaid Card

Noa — Sun, 01 Jun 2014 20:18:28 -0000

It's accepted everywhere Amex is taken.

Re: CC Gorilla Match

Billy Bob — Mon, 28 Apr 2014 13:52:51 -0000

"If Walmart prevails in its lawsuit with Visa, then consumers may benefit from the lower transaction costs if retailers pass the savings to customers."

Unfortunately, you're sadly mistaken if you think merchants will ever pass along savings to consumers. The only ones who will be hurt are the consumers. Credit and debit industry regulation in other parts of the world has proved this. If regulation is passed against the issuing banks and networks, merchants do not pass along the savings. Instead, banks and networks are forced to cut card rewards programs, thus hurting the consumer.

Re: EVERYDAY CARD?

Nick — Sat, 26 Apr 2014 23:03:13 -0000

haha, it confused me.

Re: EVERYDAY CARD?

Austin — Wed, 12 Mar 2014 03:39:46 -0000

You are not very good at math... $6000 at 2x points gives 12000 points, and with the 20% bonus, that is 14400 points. If you value the points at 2 cents a piece, that means you have $288.00 in rewards from groceries alone at the $6000 dollar mark.

Re: WORST CREDIT CARD 2013

Donavan Latimore — Fri, 21 Feb 2014 07:28:16 -0000

I've had my premier credit card for years with no problem

Re: WHAT DID AMERICAN EXPRESS DO FOR ME IN 2013?

Jerry — Mon, 10 Feb 2014 10:18:27 -0000

While I was on the phone with Amex about my Blue card, their recording was pitching a savings account in collaboration with of all companies, Walmart. Would not have imagined American Express & Walmart together in a million years.

Re: Do gift cards ever expire?

JuddLillestrand — Wed, 15 Jan 2014 12:38:10 -0000

I'm the founder of ScripSmart and appreciate the mention from one of your readers. I'd add many states have laws pertaining to gift card expiration and fees. For example, California state law does not allow for any fees or expiration of retail (Walmart, Amazon, etc.) gift cards. It's my understanding merchants must follow both federal and state laws. In other words, they must follow which ever is more strict.

We maintain of list of state gift card laws aimed to make it easier for consumer to understand here: http://www.scripsmart.com/s...

In the end, the vast majority of gift cards sold by larger national or regional merchants do not expire or have fees. Over the past 5+ years it's something I see less and less. That written, there are a lot of other factors to consider before buying a gift card. From replacement polices, redemption restrictions to balance inquiry options.

Re: Do gift cards ever expire?

Giftcardexpert — Wed, 15 Jan 2014 11:25:53 -0000

Mr. McKinley, I'd suggest a little more research before writing articles. What you have said is correct; however there is more to the story. Retail gift cards, which your rules are referring to, can vary greatly. Many top retailers don't have expiration dates and don't charge fees. Open loop cards, which are another product all together, generally have fees and can expire after one year. A good retailer will have a link to their terms and conditions on their website. Check there and if you don't have that ability because you're in the store, before a purchase I suggest the purchaser read the terms and conditions on the back of the card before buying one for their friend/loved one. A great source for retail (closed loop) or open loop gift card consumer friendliness is www.scripsmart.com. They rate all the cards on a scale from 1 to 100. I personally would never purchase anything below 80 on their scale. This all coming from an industry expert (me).

Re: Unleash the power in your pocket – Discover it

Lauren Hyndes — Thu, 09 Jan 2014 10:42:52 -0000

I just got a Discover It card. I love it! I like that when I login to my account, I can see my current credit score all the time. Plus, they have great rewards! I was able to use there promotions for my christmas shopping!

Re: Unleash the power in your pocket – Discover it

Art — Wed, 08 Jan 2014 22:38:37 -0000

"One of the most customer friendly aspect of transacting with a Discover Credit Card is their exceptional security management system through allotment of Secure Online Account Numbers"

Nope, they're cancelling that feature in March.

Re: Save on Back To School Shopping

sarahevanston — Sat, 28 Dec 2013 11:06:33 -0000

When I was young, I heard all of the adults talk about their Christmas club accounts at the local banks and since then, I have always had some sort of account in place to make Christmas shopping less stressful every year. It may be a good idea for back to school shopping also. Setting aside money every month can help alleviate the financial burden of buying back to school clothes and supplies.

Re: Avoid Becoming a Victim of Payment Card Skimming

sarahevanston — Sat, 28 Dec 2013 11:03:49 -0000

This makes me not want to use my credit card any more! It's amazing the steps thieves will take to get a card number and the user's information. Credit card companies need to work much harder to thwart these people and safeguard our money.

Re: Simple Debit Card: The Best Way to Manage your Money and Savings

francis woods — Sat, 28 Dec 2013 11:00:15 -0000

If only my Chase card would do this! I like that it acts like a budget minder, debit card and and account balancer all in one. Why haven't the big banks thought of this yet?

Re: Are Debit Cards Healthy for School Lunches?

francis woods — Sat, 28 Dec 2013 10:58:12 -0000

Although this could go either way financially, it could become a very useful tools in teaching children about money and how to spend wisely. I don't think there is enough taught about finances at young ages and by the time many of them are in college, it's already too late.

Re: Square: Making Commerce Easier with ‘Square Cash’

ed pierce — Sat, 28 Dec 2013 10:55:10 -0000

I didn't know Square had it's own card system. I have used them to process credit card payments for my small business and there is a short waiting period for the funds to show up in my bank. I will have to see if I can link this card to my card reader account so the money is available immediately.

Re: American Express Serve Prepaid Card

ed pierce — Sat, 28 Dec 2013 10:53:29 -0000

This sounds like a good alternative to a regular bank card but I wonder if it would still be taken everywhere like a bankcard or if it is treated like an Amex and only taken at certain places.

Re: Credit Card Perks for the Holidays

jon terns — Fri, 27 Dec 2013 21:43:41 -0000

I have a card that gives me a much better cash back rate during the month of december and it's always been my go-to card for holiday shopping. I will have to watch for the Mastercard free shipping deal if it comes around next year.

Re: Go Debit or Credit?

jon terns — Fri, 27 Dec 2013 21:41:44 -0000

I never realized that there was much of a difference to the cards. Whenever they ask me debit or credit for my bank card, I always say credit. I suppose it's because it is just easier for me and I didn't think the fees would be any different. You have truly opened my eyes!

Re: Holiday Warranties

jon terns — Fri, 27 Dec 2013 21:39:21 -0000

I will usually get a warranty if the product I bought is over a certain dollar amount. There are some things that are more prone to breakage also and those items, big ticket or not, I will get a warranty for every time.

Re: Your Finances: Some Scrutiny Needed

jon terns — Fri, 27 Dec 2013 21:37:54 -0000

I think everyone should get on top of their finances either at the end of the year or the beginning of the next one. It's a good idea and it could help many of us protect our credit and put more money into our savings accounts.

Re: Credit Card Rewards: The Bottom Line

jon terns — Fri, 27 Dec 2013 21:34:13 -0000

I usually tend to avoid credit card companies and their reward offers. I have used the same card for a long time now and don't feel like constantly switching just to get a better deal or a lower rate. My wife does that all the time though and locks in some really good travel miles.

Re: Has Your Account Been Breached?

jon terns — Fri, 27 Dec 2013 21:31:49 -0000

That Target thing really had me worried, I just did all of my Christmas shopping there. I watched my account like a hawk as soon as I heard about it. I think I will start using my Paypal mastercard from now on, they seem to have much better security.

Re: Credit Card Rewards: The Bottom Line

Sithembile Eugenia — Thu, 26 Dec 2013 15:22:35 -0000

Mmm, i don't think i am earning any point with my credit card, i should check really, i might be missing a lot, i had this credit card for 3 years now... i am sure there must be some reward, great advice thanks, i will check.