Let's leap to the Netherlands, where scientists at the University of Twente have published a paper that shows the way to fraud-free, unclonable credit and debit cards of the future that would make Zaphod Beeblebrox of "Hitchhiker's Guide to the Galaxy" twerk. The breakthrough relies on the

Medical costs are so complicated, they sometimes even stump the experts. During a regulatory hearing last week, panelists shared their own headache-inducing run-ins with the way health services are billed and collected.

For more than a year now, I've been living with constant calls from debt collectors, but the calls are for a man named William. No matter how many times I tell the callers they've got the wrong number, they keep calling back. And now I'm getting robocalls, with no chance of talking to a live person to explain that I'm not William.

As the number of days until I need to have my gifts ready for delivery dwindles, there are five tips I'll be using this weekend to combat shopping stress and prevent budget-busting or less-than-ideal gift purchases.

As the end of the year approaches, you may be trying to ramp up your charitable donations. Before you give away your hard-earned cash, think twice about where it's going. You may be able to reap more satisfaction from your giving - and maximize your charitable contributions - if you think more strategically about where and how you give.

While saving my sanity during my holiday travels might be a lost cause, I figured the next best thing I could do was save money. By using my American Express card's extended rental car protection plan, I was able to do just that.

In the second of a two-part blog series, CreditCards.com's Yasmin Ghahremani tries to make all of her purchases for a week using only Apple Pay, the mobile wallet that works with iPhone 6 and 6 Plus. By the end, she's eager to find a dining establishment that doesn't have fluorescent lighting.

CreditCards.com's Fred O. Williams and Yasmin Ghahremani decided to take the two main wallets for a test run. For one week, they sought to only use their phones for payments in a Google vs. Apple showdown. In Part 1, Williams describes his experiences with Google Wallet, and engages in some Apple trash talking.

An enterprising group of 18 current and former Miami Dade College students have been indicted for laundering $500,000 in other people's stolen income tax refunds through their Higher One student financial aid accounts, in exchange for a cut of the action.

For private student loan borrowers facing high, inflexible monthly payments in times of unemployment or other financial hardships, relief may be on the way.

A low credit score isn't just bad for your wallet. It also signals a higher risk of heart disease, says a new study.

Every week, I'd spend about 30 minutes clipping and ripping coupons from the Sunday newspaper. They piled up everywhere -- in the car, on my desk and, rarely, in my coupon book. But at most I'd save $10. Then I discovered discount gift cards.



If you are venturing out on Black Friday -- or even Thanksgiving night -- to snag some discounted booty, best of luck. Here are a few extra tips besides "plan ahead" and "make a budget" to help you save more and spend less:

Card issuers can -- and do -- cut credit lines at any time, causing many households to hold extra savings, new research says. And spending power on cards disappears just when consumers and the economy need it.

As the holiday season gets closer, you may notice a growing number of stores trying to tug at your heartstrings -- and your wallet -- by advertising charitable donations alongside traditional holiday promotions.

Millennials student loan debt and unemployment woes are burdensome and can make one leery to take on credit, but avoiding plastic is not a good way to go. In fact, I think spurning credit cards can make it even harder to get on your feet in the first place.

As I was booking a family holiday in the Bahamas, I was poised to pay $1,350 per ticket. Then I juggled travel dates. The result: two weeks on the beach for less than the original one week would have cost.



According to the parenting website, BabyCenter.com, many new moms are bluffing about their financial circumstances on the Web and posting pictures, status updates and videos that make them seem wealthier than they actually are

The Federal Reserve's policy announcements are written so densely that, according to a new research paper, it takes a grad school education to understand their prose. What if great writers wrote it instead? CreditCards.com's editorial staffers took on the literary styles of J.D. Salinger, Jane Austen, Mickey Spillane, Dr. Seuss, Hunter S. Thompson, Douglas Adams, George R.R. Martin and J.K. Rowling to show what a Fed statement might look like in their hands.

Researchers in the UK discovered an alarming vulnerability in the widely used EMV chip system developed by Europay, MasterCard and Visa. In their tests it takes less that a second for a phone to swipe over a card and have a transaction approved unbeknownst to the cards owner...

The next time you go shopping, you may want to skip lunch. A new study published Oct. 23 by Plos One found that people who are moderately hungry tend to make smarter choices with their cash.

The majority of consumers are more afraid of falling victim to a retail data breach than getting burglarized, mugged or even murdered, according to a new Gallup survey.

Studies show that paying cash can save you money compared to paying by credit card. But a recent bill from my daughter's chiropractor reminded me that, as with every rule, there are exceptions.



A striking number of renters are confused about what's included in their credit reports, according to a new study from the credit bureau TransUnion.

OK, show of hands: How many of you would have the crust to reject a credit card presented for payment, in person, by a fella named Barack Obama?

It happened recently to the President of the United States of America. While in New York City Sept. 24 to address assembled world leaders at the United Nations, the most powerful man in the world had his credit card spurned at a New York City eatery.



Refinancing your student loan could potentially save you a bundle on interest. But lenders' requirements are so stringent that most borrowers are unlikely to qualify for the best deals.

Reading your card agreement is a good way to avoid unpleasant surprises later. Here are a few of the most important terms to look for -- or look out for.

While conducting a survey of 300 higher education institution's credit card payment policies for CreditCards.com, I learned there are many factors that play into whether colleges and universities accept credit card tuition payments but, at the end of the day, it seemed to me that schools can do more to keep card payment fees lower and the convenience high.

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They're the pieces of plastic we love, and love to hate. Get the latest news, tips, research and more from the CreditCards.com staff.

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