October 23rd, 2014

Final Unveils New Security-Focused Payment Service

Finals Unveils New Security-Focused Payment Service

Historians might look back on 2014 and remember it as the year of the data breach. From Target to Home Depot, consumers across the country have been replacing their credit cards at rapid speed, with a range of stores being hacked.

A new startup based in Boulder, Colorado wants to make credit cards more secure. Final plans to issue physical credit cards that allow you to assign a unique credit card number to every merchant, or a disposable one-time use number for random purchases. Instead of one credit card number, you could have millions. So if one merchant is hacked, you won’t have to cancel your card because the random card numbers assigned to other merchants are still protected.

If this sounds familiar, it’s because Final is issuing a chip-and-pin card, just like the ones we’ve written about recently. Final, though, is adding additional security features. You can receive alerts via push notifications and even turn the physical card on or off from your mobile device. Final also falls under the same requirements that retail banking institutions do, so consumer and credit card information are stored in a secure hosting environment.

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October 15th, 2014

10/14 Credit Cards Tweetchat Recap

Tweetchat: Finding the Best Credit Card for You (Recap!)

How do you find the best credit card for you? What are some things to look out for when considering a credit card? Where can you go to find more information about a card? We discussed all that and more in our recent #CKchat - here's a recap!

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October 9th, 2014

10/14/14 Tweetchat: Finding the Best Credit Card for You

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Join our Tweetchat on Tuesday, October 14th at 2PM PST. This week we'll be discussing how to find the best credit card for you.

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October 1st, 2014

Join Us For Creditober!

Join Us For Creditober

Credit Karma will be celebrating #Creditober all month long! Follow our blog and social media accounts for all things credit.

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September 16th, 2014

Credit Card Delinquencies Hit Lowest Level in Seven Years

Credit Card Delinquencies Hit Lowest Level in Seven Years

More good news about credit card delinquency rates has arrived. The latest TransUnion Industry Insights Report found that the rate of credit card payments that were 90 days overdue or more dropped nearly 9 percent in the last year, from 1.27 percent to 1.16 percent of total payments.

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August 4th, 2014

Credit Card Sign-up Bonuses Increase While Overall Value Decreases

Credit Card Bonuses

New data shows that sign-up bonuses are on the rise, but rewards aren’t looking as pretty. Find out why this might be happening and what you can do about it.

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July 28th, 2014

Credit Card Delinquencies Fall in 2014

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According to recent data from the American Bankers Association, Americans are meeting their payments at record pace. In the first quarter of the year, late payments fell to 2.44 percent of all accounts. This is a large decline from the previous quarter’s 2.60 percent and the 15-year average of 3.82 percent.

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July 18th, 2014

Security Improvements Still on Hold for U.S. Credit Cards

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U.S. credit card issuers have until October 2015 to replace consumers’ credit cards with more secure EMV cards. Read more here.

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January 17th, 2014

Credit Karma Tips & Resolutions 2014 — Part 5

Credit Karma Tips & Resolutions 2014

Stan actually requested to expand on his tip, so here’s more information in his own words. And be sure to check out some of our other blog posts on this subject!

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November 25th, 2013

Rewards Credit Cards Offer Insane Value

Rewards Credit Cards Offer Insane Value

Rewards credit cards are the best kind of cards out there. If you use credit cards without reaping corresponding rewards, that’s plain wrong. Many people presume that using rewards cards isn’t worth the trouble since cashback is so small, usually 1%. But the truth is that it’s possible to reap rewards much higher than 1% if you’re paying attention, and besides, even small cashback can add up with time. However, before we proceed, there are three conditions for anyone who is considering using rewards credit cards for profit. Make sure you qualify or face potentially dire consequences.

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