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For more information about credit cards and how to handle them, read more. This section links you to several articles that you may find helpful. Note: To read any of the articles, you must have Acrobat Reader.

Topic
Article Title
Source
Credit Cards

10 Things Your Credit Card Company Won't Tell You


SmartMoney.com
  Best & Worst Credit Cards
Consumer Reports
 

College Students, Watch Your Credit — Terri Cullen urges students to avoid the mistakes she made by taking on too much debt

 

WSJ.com
  Credit-Card Appeal: A New Look, Smell
WSJ.com
 

Credit Cards Offer College Students Early Danger Lesson


San Diego
Union-Tribune
  For Happy Holidays, Leave Credit Cards Home


San Diego
Union-Tribune
  How Teens Get Sucked into Credit-Card Debt


MSN Money
  Lenders Cash in on Americans' Passion for Spending on Credit
San Diego
Union-Tribune

  New Credit Card Rules for Young Adults

About.com
  Rewards Roller Coaster — Tips for navigating the complex world of credit-card rewards programs

Dow Jones
MarketWatch
  What Do the New Credit Card Rules Mean for Me?
San Diego
Union-Tribune


Topic
Article Title
Source
Credit Scores

A Peak at “What If” Can Raise Your Credit Score


San Diego
Union-Tribune
  Credit Scores You Don't Know You Have



Wall Street Journal
  How Does Your Knowledge of Credit Scores Stack Up?


San Diego
Union-Tribune


Topic
Article Title
Source
Financial Education
12 Myths about Bankruptcy


MSN Money
 
WSJ.com
  Keeping Your Financial Footing at 22 — So You Can Buy That House at 32


Wall Street Journal
  Mired in Debt? Here's What to Do



AARP Bulletin
  Your Kid's Teacher - The Bank
WSJ.com


Topic
Article Title
Source
Other
Jack in the Box Adding Quick-Pay System


San Diego
Union-Tribune
  Marketing Plastic to Students Causes Lawmakers, Educators to Meltdown


Bankrate.com

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Web Sites*

Web Site
Description
The official site to help consumers to obtain their free credit report. You can request a free credit report once every 12 months from each of the nationwide consumer credit-reporting companies: Equifax, Experian, and TransUnion.

Bankrate.com

Bankrate.com continually surveys approximately 4,800 financial institutions in all 50 states in order to provide clear, objective, and unbiased rates to consumers. They provide free rate information to consumers on more than 300 financial products, including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans, and online banking fees.

The site features the following calculators:

  • Car loan calculator
  • Debt cost calculator
  • True cost of paying credit card minimum calculator

CardWeb.com

CardWeb.com includes:

  • A calculator that will help you determine how long it take to pay off credit card debt.
  • A CardLocator that helps you to search, locate, and apply for credit cards
  • A glossary of terms used in the credit card industry

Credit Cards.com is a free online resource where consumers can shop, compare, and apply for credit cards online. The site lists credit-card offers from leading U.S. credit card companies. The list is searchable.

The site ranks credit-card offers in an unbiased manner based on categories. Consumers can search the credit-card directory by card type, including low-interest credit cards, credit cards with rewards programs, airline credit cards, cash-back credit cards, small-business credit cards, college-student credit cards, instant-approval credit cards, as well as prepaid debit cards.

Each offer displays the APR, the annual fee, the credit required for approval, and details about the offer.

Credit Card Insider is a credit resource that provides plain-language guidance from seasoned industry veterans. They aim to be a comprehensive resource on the Internet about the responsible use of credit, building and managing your credit history, and making informed decisions when selecting a credit card. One section is devoted to student credit cards and how to select the right card.

Credit Karma gives you access to all of your financial information — bank accounts, credit cards, bills, mortgages, loans, investments, and, of course, your credit scores — all in one location, all under one account, all for free.
One of the three major credit-reporting agencies
One of the three major credit-reporting agencies
This site is created by the Fair Isaac Company, and it enables you to request your FICO score for all three credit bureaus for a fee. It also has a Credit Education section. You can find out about credit scores and credit reports. It has tons and tons of online financial calculators, such as auto, loan, debt and credit card, and savings calculators.

Smartmoney.com

The Personal Finance section of this site has a special section called Debt Management. It contains debt management worksheets and many articles on debt management, credit cards, credit reports, and identity theft.
One of the three major credit-reporting agencies
*The information provided on this table is an incomplete listing of the features offered on these sites. The U.S. Bankruptcy Court for the Southern District of California is not responsible for accuracy of the information provided on these sites, nor does it endorse or recommend a particular site.

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Send your E-mail comments to Michele McConnell, CARE Program coordinator; the address is:

Michele_McConnell@casb.uscourts.gov


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 Did you miss something at the
CARE Program Presentation? Do you want to see it again?

CARE Program presentation

(1.2 MB in PDF; requires Acrobat Reader)

For more information about managing personal finances, you may want to read Suze Orman's book:

The Money Book for the Young, Fabulous, & Broke

The Money Book for the Young, Fabulous, & Broke

 

Pamphlets
(requires Acrobat Reader)

Understanding Your FICO Score
Your Credit Scores

 

 

 

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