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	<title>e-wisdom.com blog &#187; Credit Cards</title>
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	<description>knowledge for the smart consumer</description>
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		<title>Enhanced Credit Card Reward Programs</title>
		<link>http://www.e-wisdom.com/blog/news/enhanced-credit-card-reward-programs/</link>
		<comments>http://www.e-wisdom.com/blog/news/enhanced-credit-card-reward-programs/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 13:06:45 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>

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		<description><![CDATA[




Credit card reward programs can now be more rewarding
A recent article detailed changes and ehancements that some banks are making with their credit card reward programs to help benefit cardholders.
According to the article, some credit card reward programs can now help cardholders save more for retirement and/or reduce their overall debt. Credit card reward programs [...]]]></description>
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		<title>Credit Card Minimum Payment Calculator</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/credit-card-minimum-payment-calculator/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/credit-card-minimum-payment-calculator/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 13:06:12 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Calculate how long will it take to pay off your credit card balance only making the minimum payment each month
How long will it take you to pay off your credit cards if you only make the minimum payments? And how much interest will you end up paying on your current balance if you only make [...]]]></description>
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		<title>Student Credit Cards Explained</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/student-credit-cards-explained/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/student-credit-cards-explained/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 12:06:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Personal Finance]]></category>

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		<description><![CDATA[




Understanding Credit Card Terms: Student Credit Cards
Student credit cards, which are available through a wide variety of credit card companies, cater to the college-level student population. Quite often, reward points or dollars are attached to these credit cards in an effort to attract new credit card users. These incentives are typically directly associated with the [...]]]></description>
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		<title>About Universal Default</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/about-universal-default/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/about-universal-default/#comments</comments>
		<pubDate>Tue, 04 Nov 2008 12:06:47 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

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What is universal default?
Universal default is an important term to watch out for when dealing with credit cards. Universal default permits a credit card company to increase your interest rates (or change your rates to the default rates) associated with that account because of negative information associated with any credit card or loan that you.
The [...]]]></description>
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		<title>Debt Management Advice</title>
		<link>http://www.e-wisdom.com/blog/web-site-updates/debt-management-advice/</link>
		<comments>http://www.e-wisdom.com/blog/web-site-updates/debt-management-advice/#comments</comments>
		<pubDate>Mon, 13 Oct 2008 12:06:40 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Site Updates]]></category>
		<category><![CDATA[Student Loans]]></category>

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New Debt Management Tips and Advice Center
The latest addition to our constantly expanding knowledge center is our in-depth debt management FAQs, which goes into detail about various debt-related topics.
Topics include:
- Debt Consolidation Explained
- How to Choose a Debt Management Program
- Debt Management Terminology 
Whether you are looking for self-help debt managment tips, advice on how [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Free-quent Fliers?</title>
		<link>http://www.e-wisdom.com/blog/news/free-quent-fliers/</link>
		<comments>http://www.e-wisdom.com/blog/news/free-quent-fliers/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 12:06:47 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Some airlines are now adding fees to cash in your miles
A recent article discussed how some airlines are now adding fees to cash in frequent flyer miles. This news comes in addition to other news of additional fees that some airlines are now charging for luggage and other items.
According to the article, some airlines are [...]]]></description>
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		<title>Banks Changing Stance on Credit Card Debt</title>
		<link>http://www.e-wisdom.com/blog/news/banks-changing-stance-on-credit-card-debt/</link>
		<comments>http://www.e-wisdom.com/blog/news/banks-changing-stance-on-credit-card-debt/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 12:06:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Banks handling credit card debt situations differently
A recent Wall Street Journal article focused on the various steps that different banks are taking to change the way that credit card debt repayment is handled.
The article details different strategies taken by large credit card banks to recover more outstanding credit card debt and also to help cardholders [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Accelerated Debt Payoff Calculator</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/accelerated-debt-payoff-calculator/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/accelerated-debt-payoff-calculator/#comments</comments>
		<pubDate>Sat, 13 Sep 2008 12:06:57 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Accelerate Your Debt Payoff
Consolidating your debt is only half of the battle, as you still need a sound plan to pay off your debt completely and in a timely fashion.With a well-thought debt consolidation and/or repayment plan, you can save hundreds, even thousands in interest and shave years off of your loan.
Our Accelerated Debt Payoff [...]]]></description>
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		<title>Lost or Stolen Credit Cards</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/lost-or-stolen-credit-cards/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/lost-or-stolen-credit-cards/#comments</comments>
		<pubDate>Wed, 03 Sep 2008 12:06:17 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Personal Finance]]></category>

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What to Do if Your Credit Card is Lost or Stolen
Both the The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) have measures in place that decrease your liability under federal law for unauthorized use of your credit card. Referencing these two acts, the Federal Trade Commission has a detailed list [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Business Credit Cards and Personal Liability</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/business-credit-cards-and-personal-liability/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/business-credit-cards-and-personal-liability/#comments</comments>
		<pubDate>Sun, 24 Aug 2008 12:06:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Small Business]]></category>

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Can I get approved for a business credit card and not be held personally responsible for business debts accumulated using the card?
The majority of small business credit cards will hold the business owner personally liable for debts accrued by making purchases with the credit card. When applying for a business credit card, the potential cardholder [...]]]></description>
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