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The Best and Worst Barclays Credit Cards


Some of the credit cards offered by banks are pointless. Others are great.

Ideally, credit cards target a specific need that a client would want to prioritize. Some clients simply want to do a little shopping, while others want to use their cards to purchase expensive gadgets or rack up frequent flier miles. These cards are also made to suit the paying capability of different types of clients. There are credit cards that are used by beginners and there are also those offered to long-time loyal clients. 

Like any bank, Barclays Global and Retail Commercial Banking offers different types of credit cards that come in a range of quality.

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Ways to Maximize Rewards


Rewards are why people stick with credit cards. Just imagine using a credit card with no perks at all. It is definitely a boring cash-in and cash-out cycle.

Credit card companies use reward techniques to entice more applicants, thus gaining more customers and more partnerships. People who have excellent credit can expect initial rewards bonuses worth hundreds of dollars and earning rates in popular categories. Examples of these categories include gas, groceries, travel, and dining.

Obviously, not only those who have good credit earn these rewards. Credit card companies reward almost anyone across the credit card spectrum. It is just a matter of knowing your way around the rewards landscape to better subsidize your spending as efficiently as possible.

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Can Credit Card Comparison Sites Be Trusted?


In light of recently published reports citing grey areas among card review sites and card issuers, we'd like to take this opportunity to highlight and reiterate our objective editorial policy. 

Unlike other card comparison sites, we are dedicated to offering fair, honest reviews of credit cards. We think the numbers often speak for themselves: the best cards are those with the lowest rates and the best rewards. 

That said, our reviews are our opinions. We do our best to ensure our information is accurate and up-to-date, but since the rates and offers from credit card companies change frequently, please always confirm terms and conditions before applying for a new card.

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Credit Cards in Hip-Hop Lyrics


Money and hip-hop go together like shiny rims and cars. Conspicuous consumption and public displays of wealth are ever-present in our late capitalist cultural landscape. It's no surprise, then, that credit cards get plenty of mentions in rap songs.

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Five Top Tips to Boost Your Credit Score


When NFL Legend Bill Parcells was asked about how to judge a football team he replied “You are what your record says you are.” While life is not the NFL and we are all individuals in this world, when it comes to credit card companies, whether we like it or not, we are what our credit score says we are.

If you've got great credit with a score of 750 and above, you get the best offers from the best companies. You get lots of credit offers with rewards like low interest rates, cash back on purchases, airline miles and other travel perks. If you've got poor credit, chances are you’ll get declines and at best, high interest rate cards from sub-prime lenders. If you've got mid-range credit you’ll get approvals as well as a few perks but you’ll know that the best stuff is still outside your range. Fortunately, no matter where your credit score is sitting right now, there are steps you can take to take control of your credit and boost your credit score. Here are five tips you can use right now to boost your credit score.

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Reality Check: Coping With Identity Theft From a Relative


All these years you've been extra cautious with your personal information: whispering the last four digits of your social security number to phone representatives, shredding mail and personal documents, even adding fraud alerts to your bank accounts just to find out that information revealing your identity may have been at even greater risk right in the privacy of your own home. Has your credit been compromised by a relative or loved one? Don't fret, here are a few options you have to cope with this nightmare experience.

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How to Improve Your Bad Credit Score


Having a bad credit rating has many negative effects, such as higher interest rates on credit cards and loans, getting rejected for credit and loan applications, difficulty in getting apartment and cellphone contracts, and greater chances of being denied for job applications. There is no easy way to fix a bad credit report, but you can always do something to prevent these things from happening to you. This article will discuss ways you can improve your credit score.

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Five Best Android Apps to Boost Your Credit Score


In today’s world of instant access to information, where a credit check can be run instantly by anyone with a smartphone, there’s never been a time in history where your credit score has been more accessible and important.

The difference between good credit and bad credit counts when finding a home, whether it’s renting an apartment, buying a house or even searching for a room to rent on Craigslist. It counts when buying or renting a car, getting access to extra cash when it’s needed or simply making decisions about what and when to make a purchase. Since having a good score makes doing all of the above easier to accomplish, having great or even a decent credit score just makes life easier.

Fortunately, in you’d like to raise your credit score, the world of instant information access can work in your favor. In addition to hitting the web, there are a number of Android apps that can help you boost your credit score right now.

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The Egregiously Misunderstood Concept of Debt


Several so-called “financial gurus” treat DEBT as if it’s a gift from Satan – something that tempts you to do things you shouldn't do like the irresistible aroma of something wonderful cooking on the grill that lures you into going off your diet. But, this is as misguided and fallacious an idea as thinking that if you eat one cookie from the bag, you have to eat them all! Prudence, temperance, responsibility, and the proper understanding of debt will produce a much happier life for you than abstinence ever will. While debt is not a universal solvent, neither is it a highly-contagious plague that will destroy your life if you come anywhere near it.

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Slang for Money


Slang is poetry. Like all words, slang offers us a metaphor, a bridge between symbols and their meaning. 

We use slang to talk about taboo subjects like sex and drugs, and what bigger taboo is there than money?

Money is on all our minds, causing us stress and taking up our valuable headspace, yet we're taught it's impolite to talk about. Money is the ultimate metaphor, full of subtext and hidden meaning. We desire it, we fear losing it, we worry about how it affects our relationships, and we equate it with power and happiness and freedom - all while feeling ashamed that a piece of paper has so much control over our lives. It's no surprise, then, that we give it so many other names.

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Three Helpful Ways to Not Get Schooled by Your Student Credit Card


America runs on credit. It’s what determines your eligibility for the apartment of your dreams, that shiny new car you’ve had your eye on, and it even determines the dollar amount in some student loans you can take out. To put it simply, creditworthiness is key to your financial fate. Now that you know the power of credit, here are a few tips on how you can be credit-savvy as a new student cardholder in college.

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Taste the Rainbow of Credit Card Colors


Color has long been used to create feelings and affect moods. While color psychology is far from an exact science, it's interesting to think about when it comes to credit cards.


Black is associated with power, authority, elegance, and prestige. It also has a financial meaning, as being "in the black" means your income is greater than your expenses, so from an accounting standpoint you're out of debt and making a profit, or have a positive net worth. Everyone wants to be in the black.

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The Visa Black Card Sucks


Credit cards are great symbols of an individual's conspicuous consumption and purchasing power, and the Visa Black Card is no exception. Unfortunately, the Visa Black Card sucks. Time magazine named it one of the 5 credit cards you do not want due to the $495 annual fee and little extra benefits for the cost.

The Visa Black Card, issued by Barclays, is made of stainless steel and has a $495 annual fee. It is a sad knockoff of the elite, ultra-exclusive American Express Centurion card, AKA the Black Card, which requires a one-time "initiation fee" of $7,500 and a $2,500 annual fee, the highest fees of any credit card on the market.

Is it ever a good idea to pay an annual fee for a credit card? 

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Mace Windu's Credit Card


Heed the advice of Mace Windu and check out these cards:

Quicksilver Rewards Credit Card

QuicksilverOne Rewards Credit Card

With 1.5% cash back on every purchase, every damn day, the Capital One Quicksilver Rewards Credit Card is a no-brainer. 

Its little brother, the QuicksilverOne Rewards card, also offers unlimited 1.5% cash back on every purchase, but unlike it's big brother, the QuicksilverOne card has an annual fee of $39 and a high 22.9% APR. Nonetheless, it's still a good card if you have average credit and can't qualify for the Quicksilver Rewards Credit Card.

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Alternate Uses for Credit Cards


Lock Pick

If you forget your keys, a credit card can be a handy way to regain access to your home. Simply slide the card between the door and the doorjamb and tilt it so it's almost touching the doorknob, then bend it the opposite way. This will force the bolt back into the door so it'll open when you turn the knob. Make sure you use one of your secondary credit cards when picking locks, as the card may get bent or break in the process.

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Disney Credit Cards


"You reach a point where you do not work for money." - Walt Disney

Time is your most valuable commodity. And when you spend more waking hours with your coworkers than you do with your loved ones, it makes family vacations all the more important. 

Of course, vacations cost money, and one way to help pay for a trip to Disney World is a Disney credit card.

There are two Disney credit cards, both from Visa:

Disney Rewards Card

Disney Premier Card

The main difference between the two cards is that the Rewards card has no annual fee and offers 1% rewards, while the Premier card has a $49 annual fee and offers 2% rewards at Disney locations as well as gas stations, grocery stores, and restaurants, and 1% everywhere else.

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What is Credit?

When looking for a credit card, one of the most important factors, if not the most important factor, is your credit score.  Whenever you hear someone speaking about a person's "credit," this is what they're referring to - it is a score derived from a consumer's history of debt and purchases.

What is a credit score?

A credit score is a three digit number issued by the credit bureaus to determine the credit worthiness of an individual.  This is useful because the credit score provides different banks and credit card issuers with objective insight into the likelihood that a credit card holder pays back their credit card debt.  Credit Unions will derive this number from your payment history, whether it be from mortgages, prepaid credit cards, or even general credit cards themselves.

Why should I worry about my credit score?

Users should worry about...

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How do I get a Credit Card?

In the wide world of credit cards, it can be difficult to understand all of the different parts of getting approved for one of these very useful tools.  Credit score, credit application, bad credit, good credit, what do all of these terms mean?  Here at credit-authority.com we've done everything we can to make this process as easy as possible - a step by step guide letting you know how to get a new credit card.

Step 1 - Learn your Credit Score...

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Balance Transfer Credit Cards - Do's and Don'ts

One of the credit card categories listed on all of the major credit card websites is always the balance transfer credit card.  But what benefits does a balance transfer credit card actually provide?  We've compared the best credit cards in the market to explain this very useful tool for debt problems in order to help you understand this complicated function better.

What is a balance transfer?

Balance transfers, or balance transfer credit cards, refer to leveraging the introductory period with no interest rate for carrying a balance month to month on a new credit in order to take time to pay off a previous debt.  Sound complicated?  It isn't!  Find an example below :

  • Cardholder A has been using a credit card for the past few years, and recently purchased an expensive car using your credit card for financing.  He just got hit with a $10,000 credit card balance, but currently only has $5,000 in the bank, and it's going to take him a few months to pay it off.
  • Because Cardholder A didn't have the greatest credit history, he currently has 2...
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American Express Serve Prepaid Card Review

Credit-Authority features a large number of reviews of the best credit cards in the market, but what about people who have no credit or who might currently struggle with a credit check?  For them, we concentrate in a number of credit tools specifically for helping them get their finances back in line - and the American Express Serve card is one of our favorite options in the prepaid debit card category. 

What is a prepaid debit card?

Prepaid debit cards, like the American Express Serve, offer an easy way for people to leverage many of the benefits of American Express without having to go through a credit check.  This is possible because the American Express...

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Secured Credit Card Hidden Fees - Buyer Beware!

On the surface, a secured credit card or a prepaid credit card is fantastic - they offer a small scale manageable way for people to rebuild their credit score.  They pay up front either as a balance for the card to draw from or to establish a line of credit - what isn't to like?

The credit card issues understand that people interested in secured or prepaid credit cards are in a time of need.  Because of this, there are a number of secured credit card fees and hidden 

But unfortunately, many of the secured credit card issuers take advantage of the cardholders looking to leverage their services.  Because people are desperate to rebuild credit, to rent apartments or to take out mortgages, they often find themselves in a situation where they can get taken advantage of.

That’s why the Credit Authority team has teamed up to write this article - specifically to let you know about the dangers and benefits of using a secured credit card.  With the knowledge in this article, you’ll be able to tell a secure credit card scammer from those who are really trying to help out the consumer.


#3 Extra High Credit Card Interest ...

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The Best Secured Credit Cards 2013

Across the many available credit card products available, it’s popular for most banks or credit card issuers to provide a secured credit card or a prepaid credit card for people who are rebuilding their credit score.  This article is devoted to helping people understand what a secured credit card is, who should be using one, and how to find the best secured credit card for you.

What is a Secured Credit Card or a Prepaid Credit Card?

secured credit card is a credit card that requires the cardholder to put down a deposit in order begin accumulating a balance on their card  Their credit limit will either be a larger percentage of the deposit they put down, or possibly the deposit itself.  This is different than a prepaid card because you do not have to pay a balance to the credit card and "re-charge" it to use it.  Rather, you'll make a deposit at the beginning of using the card, and you will have access to that level of credit.  Because of that, prepaid cards and secured credit cards function very differently.

Why do credit card companies issue secure credit cards and prepaid credit cards?

Credit Card ...

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