Blog
Longer articles on the rules behind credit cards: what federal law guarantees, how issuers handle rewards, deposits and credits, and what changed. Every claim cites the regulator, the law or the issuer’s own terms.
Articles
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Authorized users: what they get, what they cost and what the primary cardholder is responsible for
Authorized user fees from Amex, Chase, Capital One and Citi terms, which perks extend to added cardholders, and who is liable for their charges.
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What the CARD Act guarantees every credit card holder
The CARD Act's rules in Regulation Z, from the 45-day notice and 21-day statements to payment allocation, fee limits and the vacated 2024 late fee rule.
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Credit card changes in 2026: what the major issuers changed this year
A dated log of 2026 credit card changes from issuer terms and press releases, covering Amex, Bank of America, Capital One, Chase and Citi.
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Closing or downgrading a credit card: what happens to your points, credits and benefits
How Amex, Chase, Citi, Capital One, Bank of America and Wells Fargo treat rewards when you close or switch a card, plus your Regulation Z rights.
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How to dispute a credit card charge: billing errors, the 60-day deadline and what the issuer must do
The Fair Credit Billing Act gives you 60 days to dispute a credit card billing error in writing. What qualifies, the issuer's deadlines and your rights.
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Paying abroad with a credit card: foreign transaction fees and the 'pay in dollars?' question
Which US cards charge 0%, 2.7% or 3% on foreign transactions, how issuers word the fee, and what Visa and Mastercard say about pay-in-dollars offers.
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How secured credit card deposits work at each major bank, and how you get them back
Deposit ranges, credit lines, graduation reviews and refund rules for secured cards from Bank of America, Capital One, Citi, Discover and U.S. Bank.
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How credit card statement credits work: enrollment, timing and the fine print
How statement credits on Amex, Chase, Citi, Capital One, Wells Fargo and Bank of America cards are enrolled, reset, restricted and posted, from issuer terms.
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Who pays when someone uses your credit card without permission
Federal law caps what you owe for unauthorized credit card use at $50. How the cap works, how debit cards differ, and what each issuer's $0 policy adds.
