NerdWallet

NerdWallet
Share

NerdWallet

 •  December 9

Your wallet might get heavier next year with more plastic and, in some cases, metal. That’s because credit card issuers are taking steps to launch more cards with better benefits — all in the hope of enticing customers to thicken their credit card portfolios. “The market is heating up. We see a lot more offers geared toward consumers who are looking for rewards,” says Rachana Bhatt, managing...

NerdWallet

 •  December 8

A “safer” payday loan sounds like an oxymoron. Critics have branded these notoriously high-cost loans as debt traps that cause borrowers to go ever deeper in the hole. Thanks to a recent regulatory change, it now may be possible for banks to offer small, short-term loans that could be a lot less dangerous for borrowers. Whether banks will actually do so remains to be seen. The right moves could...

NerdWallet

 •  December 4

As Tylor Tourville swipes his credit cards throughout the year, he builds up rewards points. Then, when he’s ready to do his holiday shopping, he redeems them, mostly for cash-back credits on Amazon. “It adds up, so I have a decent amount to at least put a dent in the spending,” the 27-year-old says. One year, Tourville, who works in public relations in Boston, used his cash-back credits to buy a...

NerdWallet

 •  November 27

LifeLock’s identity theft monitoring, alert and recovery services aim to detect problems and help you bounce back, but it — and other, similar services — cannot prevent identity theft. Freezing your credit files with the three major credit bureaus is the only way to prevent someone from using your personal information to open accounts. However, if you don’t want to bother with freezing or have...

NerdWallet

 •  November 22

Identity theft happens when someone uses your personal data, without your consent, to fraudulently get something: credit, access to medical services or maybe even your tax refund. It’s important to discover it early to limit damage, which is why you should: Read statements, such as credit card bills and explanation of medical benefits notices Check...

NerdWallet

 •  November 9

Whether you rush out to the mall for the doorbusters on Black Friday or wear out your keyboard chasing deals online, you’ll want to use the right credit card for your holiday shopping. Smart deployment of your plastic can save you as much as 5% on purchases. The Nerds are here to help you choose which card to use when. TABLE of contents Credit cards for department store shopping
Credit cards for...

NerdWallet

 •  November 5

Passwords are the house keys to your online accounts, and when they’re hacked, intruders can break in and wreck havoc. To create strong passwords, you have to strike a balance between making them difficult for others to guess and making them easy enough for you to remember. Many people favor simple ones at their own risk: “123456” and “password”...

NerdWallet

 •  November 3

Choosing a rewards credit card means picking a side in an ongoing debate: cash back or travel benefits? Both have advantages. Cash back is flexible and easy to redeem. Points or miles dangle the possibility of a paid-for vacation and, sometimes, a higher reward value per dollar spent. Nowadays, some cards let you redeem rewards for cash or travel at the same value. But if you’re deciding between...

NerdWallet

 •  November 1

Key drawbacks, including cost and restrictive terms, mean it's better to freeze your credit and do the monitoring yourself.
As consumers scramble to protect their credit files after the recent Equifax data breach, all three credit bureaus are pushing their own credit monitoring services as the route to peace of mind. But monitoring your credit is not the same as protecting it.Alerts and monitoring...

NerdWallet

 •  October 26

Identity theft protection companies pledge to act as guardians of your personal information, for a monthly or annual fee. Many products compete in this space, offering varying levels of coverage. Generally, they start with credit monitoring and layer on additional services so they can alert you to potential problems. But alerts just flag you after the fact; they don’t prevent someone from...