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NerdWallet

 •  October 18

If you’re worried about data breaches putting your financial information at risk, you may have placed a credit freeze with the three major credit bureaus. A freeze drastically limits access to your credit files to protect you from someone else fraudulently opening new accounts in your name. But someday you may want to open a new account yourself or let someone like a landlord or potential...

NerdWallet

 •  October 13

Monitoring your credit reports should be like flossing: a routine that’s not fascinating but that can help prevent something painful from developing. So if an account that’s not yours pops up, be as alarmed as if you had hit a nerve. It could suggest identity theft — that someone has the keys to your financial life and can ruin your credit and commit fraud or worse in your name. Keep an eye on...

NerdWallet

 •  October 11

When Dan Keppel applied for a new credit card earlier this year, he eagerly awaited the advertised rewards. They included a $200 sign-up bonus after spending $1,000 in the first three months, along with 1.5% cash back on purchases. He spent the required amount and then waited for his rewards. And waited. “When you don’t hear about something and you don’t see it, you get the impression that...

NerdWallet

 •  October 10

When it comes to protecting your financial information from fraud, you have two powerful tools available: fraud alerts and credit freezes. Both make it difficult for someone to open a new credit account in your name. They’re especially important if your information has already been compromised. Placing an alert or a freeze on your record with the credit bureaus can help prevent fraudulent...

NerdWallet

 •  October 10

The new Bank of America® Premium Rewards credit card is now taking applications on select websites, including NerdWallet. This card earns 2 points per dollar spent on travel and dining and 1.5 points per dollar on all other purchases. Points are worth 1 cent apiece no matter how you redeem them — for travel, statement credit, gift cards or a deposit to your Bank of America® or Merrill Lynch®...

NerdWallet

 •  October 9

Editor rating: 4.2 / 5 Frequent travelers looking for flexibility in credit card rewards ought to take a look at the Bank of America® Premium Rewards credit card — especially if they’re already Bank of America® customers with significant balances in their accounts. For a relatively modest annual fee, cardholders can earn a great sign-up bonus, good reward rates and points that have the same...

NerdWallet

 •  October 6

Protecting yourself from identity theft involves some proactive steps, but even those who are careful may find their personal information has been accessed through no fault of their own. Here’s what you can do to shield your credit — and what to do if you suspect you’ve been put at risk. Safeguard as much as you can These basic steps help you know what’s on your credit files, lock them down and...

NerdWallet

 •  October 5

When Ally-Jane Grossan was in college, she loved paying for things with her Hello Kitty-branded card from Bank of America®. “It was amazing and so cute,” she recalls, about 10 years later. She says it was a “genius way” for the issuer to get young women familiar with paying with plastic. Then, when the card expired after a few years, she received an unwelcome surprise in the mail: Her new card...

NerdWallet

 •  October 5

Shopping for others is nice, but nothing says you can’t also reward yourself a little bit, especially during the holiday season. And if you’re a Walmart regular, your Chase Freedom® credit card can help you do just that. From October through December 2017, the card is offering 5% cash back on up to $1,500 in combined spending at Walmart and department stores. Cardholders must activate those...

NerdWallet

 •  October 4

A tough new rule laid out by federal regulators Thursday will make payday loans and other types of high-risk borrowing safer for consumers. The Consumer Financial Protection Bureau released the rule, which will: Require lenders to verify a borrower’s ability to repay Prohibit more than three back-to-back loans to a borrower Limit attempts by lenders to debit borrowers’ checking or prepaid...