Credit Cards

Explore credit card essentials: choose wisely, decode terms, maximize rewards, understand rates, and manage debt effectively for smarter financial decisions.

Welcome to our Credit Cards hub, where you’ll discover everything you need to know about optimizing credit card use. Whether you’re selecting the perfect card, deciphering terms and conditions, or maximizing rewards, our resources have you covered. Explore articles on interest rates and debt management, or dive into FAQs for quick answers. Stay informed with the latest studies and research to make smarter financial decisions with your credit cards.

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Explore Credit Cards Subtopics and Resources

Explore the essentials of credit cards, from selecting the best one for your needs to decoding terms and maximizing benefits. Discover insights on rewards, interest rates, and debt management to make informed financial decisions and optimize your credit usage.

Credit Card Debt

Learn strategies to manage, reduce, and pay off credit card debt while improving your credit score and maintaining financial health.

Secured Credit Cards

Explore secured credit cards: how they work, benefits, differences from unsecured cards, and strategies to build or rebuild credit effectively.

Credit Card Rewards

Explore credit card rewards, including points, cash back, travel perks, redemption tips, and strategies to maximize value and compare programs effectively.

Studies

Explore key research on credit cards, from selecting the right card to managing debt. These studies offer insights into rewards, interest rates, and credit scores, enhancing financial literacy and empowering informed decisions for American consumers.

The Average Credit Card Debt is Rising in American Households

By: Brittney Mayer 7/28/2017

Already approaching 7.5 billion halfway through 2017, the world population is projected to top the 8 billion mark around 2023. In the US alone, a new... Read More »

What We Found in the Fine Print of Credit Cards

By: Ashley Fricker 4/12/2016

Earlier this month, Lexington Law Firm published “Credit Cards: What We Found In The Fine Print,” a series of infographics featuring statistics about... Read More »

Credit Card Debt To Rise $55.8 Billion By 2016

By: Logan Ladnyk 6/11/2015

You’ve been reading BadCredit.org all year, working on paying off your debt as our how-to guides help you achieve financial freedom. Great job!... Read More »

5 Takeaways from the 2015 Credit Card Landscape Report

By: Linsey Knerl 4/10/2015

A traditional finance study may not seem like interesting reading, but we can learn a great deal about the typical U.S. consumer and the state of our... Read More »

Industry News

Stay updated on the latest in credit card industry news, from regulatory shifts and market trends to major company announcements. Understanding these developments is key to grasping the evolving landscape of credit cards and their broader financial impact.

What the Capital One, Discover Merger Means for Subprime

What the Capital One, Discover Merger Means for Subprime

In an industry already controlled by a few giant players, Capital One’s $35 billion buyout of... Read More »

Eric Bank 4/29/2025

Regulators Greenlight the Capital One-Discover Merger

Regulators Greenlight the Capital One-Discover Merger

Regulators approved the Capital One-Discover merger worth $35 billion, paving the way for one... Read More »

Eric Bank 4/22/2025

Fed Report: Americans Slipping Into Minimum Credit Card Payments

Fed Report: Americans Slipping Into Minimum Credit Card Payments

The credit card market is sounding warning bells. The Federal Reserve Bank of Philadelphia’s... Read More »

Eric Bank 4/14/2025

Subprime Credit Market Heats Up with Juzt Card Entering the U.S.

Subprime Credit Market Heats Up with Juzt Card Entering the U.S.

Its target market is the subprime credit card space, but it has international ambitions as... Read More »

Eric Bank 4/10/2025

Opinion: Opportunity Knocks for Issuers to Be The Good Guys

Opinion: Opportunity Knocks for Issuers to Be The Good Guys

Anxious Americans are making the most of all the financial tools in their toolbox right now,... Read More »

Erica Sandberg 4/7/2025

Navy Federal's New Secured Card Offers a Safer Path to Credit

Navy Federal's New Secured Card Offers a Safer Path to Credit

For consumers who have heard “No” from credit card issuers more times than they can count, the... Read More »

Eric Bank 4/3/2025