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If you are a U.S. resident, chances are you have 2-4 credit cards. In fact, chances are, you probably have a credit card in your pocket right now! So, due to huge amounts of competitors in the industry, many credit card issuers have begun offering balance transfer credit card offers as a way to attract new customers to their credit card products. How to find the best card of this type?

The introductory APR and standard interest rate are the key points that consumers should really consider.

As a matter of fact, the low introductory APR is the main reason to request a balance transfer credit card. Full Article…

Many consumers are the unsuspecting victims of credit card fraud everyday. Only when they must rely on their own credit score for new credit do many find out someone else has been using their name and personal identification for criminal acts such as applying for loans or credit cards.

Unfortunately, the victims of credit or identify fraud have a long road and a lot of red tape ahead of them when battling back from such events. For many, it takes years to clear one’s name if it is even possible. When others use your credit information, the consequences can be fast and lasting. You may be hard-pressed to get approval for a loan or other accounts due to someone else’s activity.

Identity theft and credit card fraud are just two of the important reasons why one should order their credit reports regularly and analyze the data for accuracy. The

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You can now get a 20% discount on a Virgin American flight when you use your Visa card, courtesy of Visa NFL on Facebook. It’s good for a trip to anywhere Virgin America flies, subject to some restrictions.

This offer ends on February 29, 2012 and is valid for travel between January 10, 2012 and February 29, 2012 or between April 15, 2012 and June 15, 2012. Blackout dates are February 17, February 20, May 25 and May 28, 2012.

To receive your 20% discount code and to view the full terms of this offer, visit this page.

When you get a copy of your credit report, it is a snapshot of your balance at the time the report is printed. Your balance will fluctuate all through the month, based on charges, payments, and interest compounded. In fact, the difference may be simply because the credit card company has not reported the latest change to the credit bureaus.

Give it a Month

For instance, if you just made a big payment, and paid off your credit card, it may take a month for it to show up on your credit report.

Mistakes

However, there can also be mistakes. If you have had a credit card that shows a sudden increase in balance, first of all, call the credit card company or go online to make sure your number has not been stolen. They will have procedures in place to protect your balance.

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The process of cleaning up your bad credit scores can become laborious and tedious when you dont know what to do and where you stand. The credit report guide from Accurise will help you to get a start and a flow to fixing the credit score that you have been struggling with for so long. You can follow credit repair guide on your own or let the experts at Accurise to do it for you in person just the way it is to be done.

To start with the credit repair guide, you have to start with your credit reports. If you dont have it already, make sure that you order your credit reports. Though some agencies might charge you a small fee for the report, it will be well worth it as it will have vital info that will give you a base in the credit repair guide. With the report, you have to go through very thoroughly, without missing a line in it looking for discrepancies that doesnt fit your bill. Full Article…

The recession seems to be taking a back seat as more people pull out their credit cards to pay for everyday items. According to The Christian Science Monitor, consumers racked up a total of $64 billion in credit card debt for the year 2011, and January 2012 has already seen an increase in credit card use.

January normally means a return to less spending, trimming your budget, and putting off big purchases, but more consumers are throwing caution to the wind when it comes to credit card spending. In fact, the payment processing company First Data reports that people are using their credit cards at rates not seen since the pre-recession era.

What has spurred this rise in credit card spending?

Banks have cancelled or severely cut back on their debit card rewards programs, and have even suffered a backlash when they instituted debit card fees.

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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

My fiancé is divorced and lost his house to foreclosure. He has a bad credit history including bankruptcy. When we marry what are the pros and cons of my taking his name? My credit is pretty good – good enough to buy a $132,000 home two years ago. I’ve heard that marrying and taking their name is a huge mistake if there are credit problems. Can you advise, please?

Taking your new husband’s name will not cause your credit histories to be merged It isn’t your name that impacts your credit history. It i

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