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​How Do Credit Card Companies Decide Who to Send Junk Mail?

When it comes to sending credit card promotions in the mail, credit scores are only one data point among many used by card issuers to target mailboxes for their avalanche of offers. You might be surprised when you find out why you have so many limited time offers in your mailbox.

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What is Black Market Value of Stolen Credit Card Info?

​Major security breaches have become too common of a story, with retailers and websites hacked with alarming frequency. It has become so common that it can often take a fairly egregious breach – think SONY in 2014, or Target in 2013 – for something to become a high-profile news story. It also comes with a high price tag.

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The 10 Cities With The Most Responsible Millennial Spenders

There’s a prevailing cliche that exists about Millennials: they’re prone to living beyond their means, credit-illiterate and slightly irresponsible, enjoying the spend-now, consequences-later era of their early youth. New data shows that may not be true.

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15 US Cities With The Least Consumer Debt

Consumer debt levels keep hitting all-time highs. But Credit Karma data looking at average consumer debt for our more than 40 million members shows there are still some cities where borrowing isn’t spiking so high.

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4 Myths About Credit Cards That Should Be Retired

Until recently, it could be expensive and confusing for the average consumer to access their credit scores and reports. A side effect of this was a proliferation of rumors about the best way to manage credit. Like any good urban legend, it’s hard to know exactly where these got started. Since Credit Karma launched in 2008 we’ve heard a lot of them and have done our best to put them to rest.

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15 US Cities With The Highest Average Credit Card Limits

Looking at Credit Karma data around national credit limits, from our more than 40 million members, we’ve found two commonalities: people with the highest credit limits tend to live in cities with both higher than average incomes and retail sales.

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Credit Card Delinquencies Fall in 2014

In the world of finances, old wounds appear to be healing. Well, not completely, but there’s reason to be optimistic about the credit card debt that many Americans accumulated during the recession.

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