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CardRates @CardRates

β€œThe Ultimate Guide to Credit Cards.” We provide the most trusted information on the web to help you navigate the world of credit cards. Follow for πŸ’³ tips!

Joined August 2013
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CardRates
@CardRates
14 Mar 2025
Calling all credit card industry insiders β€” CardRates.com now has an official industry news channel! Follow @CardRatesNews for daily news analysis and relevant posts to help you stay in the know and take your company to new heights. #KnowledgeIsPower
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Don't assume your credit card payment was applied! Credit expert Gerri Detweiler warns that autopay glitches or missed cutoff times can lead to late fees. Check your confirmation to stay safe. #CreditTips #MoneyManagement
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Stop scrolling! Where you live dramatically impacts your take-home pay. Our latest study shows that Kansas City, MO, has the highest middle-class spending power due to low living costs. Read the full study at CardRates.com. #CostOfLiving #PersonalFinance
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Paid on time but still showing as late? Personal Finance Expert Erica Sandberg shares common pitfalls: mailing checks too close to due dates, paying under the minimum, or simple human error. Read your statements carefully! #CreditTips #LatePayments
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Did your credit card minimum payment just spike? Expert Gerri Detweiler explains the top reasons why, from rising balances to late fees and expiring promo rates. #CreditTips #PersonalFinance #FinancialLiteracy
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Our latest study shows funeral costs are rising, and about 60% of people can't afford to cover them. In fact, 1 in 4 would be forced to use a credit card. Read the full study at CardRates.com. #FinancialPlanning #EndofLife
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Surprised by a massive charge for a gas fill-up? Credit expert Gerri Detweiler explains authorization holds from gas stations and hotels, and why you should be aware of them! #CreditTips #PersonalFinance
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Credit card companies could cut features and benefits to offset lower interest rates if a proposed 10% cap were to take effect. That would leave plenty of cardholders unhappy. #CreditCards #CreditCardRewards
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If a price drops after you buy, your credit card's Price Protection policy could refund the difference. It is like a time machine for your wallet. Check your benefits guide and get your money back! #priceprotection #creditcardhacks #personalfinance
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The Bachelorette cancellation shows how others' actions impact your money. Expert Bobbi Rebell tells CardRates.com that shared credit cards carry similar risks, from financial infidelity to revenge spending. Be careful! #CreditCards #FinancialWellness #TheBachelorette
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Struggling with reading all of the fine print? CardRates.com Expert Bobbi Rebell says AI can help! Use a GPT to identify red flags and vulnerabilities in your credit card contract before you sign. #CreditCardTips #AI
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Chasing a massive signup bonus? Before you spend $6,000, ask yourself: Is it worth the debt? Overspending for rewards isn't a bonus β€” it's just a cost. #CreditCards #pointsandmiles
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Your credit report is like a living, breathing thing. Expert John Ulzheimer explains that's why monthly credit score shifts are normal, but a sudden drop needs immediate investigation. #CreditScore #CreditReport
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Missed your credit card due date by a few days? Credit expert John Ulzheimer explains why payments 1-29 days late aren't reported to bureaus. #CreditTips #PersonalFinance
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Confused by your credit card bill? Credit expert Gerri Detweiler breaks down the 3 balances you'll see. Pro tip: Paying your statement balance in full helps you avoid interest and can even boost your score! #CreditCardTips #PersonalFinance
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Ever wondered why your credit score is constantly on the move? Credit expert John Ulzheimer explains that scores are based on your credit reports, which update monthly. That means they change as your data updates. #CreditScore #FinanceTips
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Want to donate rewards to charity? Personal finance expert Erica Sandberg explains you can give back via your issuer's portal or by using a statement credit workaround. #CreditCardRewards #GivingBack
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Your credit card rewards are FREE money β€” no taxes required! Personal finance expert Erica Sandberg explains the IRS treats cash back and sign-up bonuses as non-taxable rebates. #CreditCardRewards #TaxTips #PersonalFinance
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Worried about using your real credit card online? Credit expert Gerri Detweiler says virtual card numbers can keep your account safe. They're like a "burner email for your wallet." #CreditCardTips #OnlineSecurity
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Want to maximize your travel rewards? Pick the right time to redeem! Personal finance expert Erica Sandberg says avoid peak season (June-Aug). Instead, aim for January-Feb, Sept-Nov, or April-May when demand is lower for better value.
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FICO vs. VantageScore: What's the real difference? Credit Expert John Ulzheimer explains they're similar, but completely different, like Pepsi and Coke. FICO remains the most used.
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