Extroverts tend to make more money than introverts. But according to a study published this month, they also tend to save less of what they make.

When the Federal Reserve raises interest rates -- and it won't be at today's Fed meeting, but watch out in September -- your credit card's APR is almost certainly going to go up. For those who carry a balance, that means higher monthly minimums and higher interest charges. How quickly will they hit you? Once the Fed acts, your card agreement spells it out, and there are variations between banks, from superfast to a few months' reprieve.

Just because a store customer has an EMV chip card doesn't mean he or she knows how to use it. Ditto the store personnel. A loud alarm hammered home that point.

Millennials have a reputation for steering clear of high-interest plastic in favor of cash, prepaid cards and debit. A spate of recent studies released this summer, however, suggests that millennials' appetite for credit may be stronger than they're given credit for.

Selling unused or unwanted goods online is like holding a rummage sale, but from the comfort of your couch. It's even better if those online sales can help cushion a savings account or pay down debt. Here are three tips to help you improve your online sales skills.

The CFPB released its first monthly report on complaints directed at companies, and it is naming names. The idea is to prod companies into fixing problems and improving customer service.

Researchers have been saying for years that if you want to extract more happiness from your purchases, you're better off buying experiences that you'll savor -- such as dinner at a favorite restaurant or a memorable family vacation. Yet according to a new study in the Journal of Consumer Research, people living on a budget are more likely to take the opposite approach and buy material possessions they mistakenly assume will have a more lasting impact.

A year ago my budget couldn't support a furry friend as I began to repay my student loans but a lot has changed since then and while by budget is still pretty tight, I've managed to afford Rosie, a 6-month-old Golden Retriever puppy. Here's how:

Online retailers are capitalizing on parents' sleep deprived shopping habits by designing parent-friendly apps that make it easier than ever to overspend online.

Smartphones can do just about anything these days, but after testing two different personal finance apps, I don't think they are the best platform for managing money -- at least not for me. Here's why.

With a switch underway in the U.S. to replace magnetic stripe cards with those containing EMV chips, many are worried their cards won't work overseas. Based on a trip to Europe, I can tell you those concerns are overblown.

When it comes to using credit cards responsibly, today's college students are surprisingly good at handling high-interest credit, according to a new Ohio State University study. The trend toward responsible credit use might not last for long, however. Additional research released this year shows that younger college students aren't nearly as responsible.

Should U.S. credit card companies impose American morals on other countries?

Workers in Australia's adult legal sex trade certainly don't think so, but that's what has happened as three major credit card networks stopped processing payments for a publication that advertises sex workers in both countries.



I've always been super careful about paying all my bills on time. So last week when I answered a call from an unknown number only to learn it was a debt collector, my stomach dropped.

In the corporate world, where he began his career, Ivan Hand's $1.7 million paycheck for 2013 wouldn't be remarkable for a top executive. But he leads a nonprofit that gets much of its income from struggling debtors.

Beginning in September, Synchrony Bank -- the issuer behind a number of popular store cards, including the Sam's Club MasterCard, the Gap Visa and the eBay MasterCard -- will begin offering cardholders personalized pricing and discounts based on data it gleaned from Synchrony Bank-issued credit cards.

How much is that doggie on the Internet? The one with the waggly tail? How much is that doggie in the window? You'd better hope that dog's really for sale. Some consumers have wound up forking out hundreds or thousands of dollars for a cute little puppy or kitty that doesn't even exist.

An Experian survey found credit cards are the payment method of choice for most travelers, but that often results in overspending and card debt. Before you head out on vacation, check out the following travel budgeting tips that can help keep you out of debt and prepared to repay it.

If you're short on cash and can't qualify for a low rate credit card or personal loan, a high interest payday loan may seem like your only option. Don't give up just yet: A growing number of startups are introducing innovative tools for consumers in a cash crunch and, in some cases, offering loans at significantly lower rates.

Holding onto a student credit card almost two years after graduating from college is starting to feel like I'm holding onto a security blanket so I think it's time I graduate to a mature credit card. According to my issuer, I have a few options:

Banks are charging a near-record markup on credit cards, even as rates they're paying for funds are at historic lows. It's happening in Australia, and in the United States. But there, it's causing controversy, here, it's not.

Personal finance experts frequently tell shoppers to save money on food by buying in bulk, watching out for sales and cooking food at home. But according to a new study in the International Journal of Consumer Studies, those tactics could cause you to spend more money in the long run by encouraging you to buy more food than you'll eat.

Oi! Sid Vicious here, back at yer beck and call! I know, I know: Yer probably thought you'd seen the last of me, just cuz I slipped off the old sod way back in '79. Well, I'm back -- at least in vinyl form -- thanks to me longtime mate, Sir Richard bloody Branson.

I've successfully avoided adding ramen noodles to my diet while repaying my student loans, but I'm revisiting my initial plan to see how I can pay down even more debt this year.

To me, driving to a bank and meeting face-to-face with an adviser is not only time-consuming, it's a surefire way to limit my options and risk missing out on better deals. According to a spate of recent studies, I'm not the only millennial who feels that way.

Comes now one Robert Chat, a 38-year-old maker of swords from (wait for it) Florida, whom Choice Hotels International claims weaseled them out of $48,500 in gift cards from their Choice Privileges rewards program by not staying in its Clarions, Comfort Inns and Econo Lodges.

A self-proclaimed mobile wallet cynic, I thought I'd give Android Pay a fair chance by delving into its features to see if it can change my mind.

About

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.

Archives

Other Voices and Blogs

Useful Links

Subscribe to Taking Charge