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	<title>e-wisdom.com tips &#187; Credit Cards</title>
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	<description>Personal finance tips to help you save money on monthly expenses.</description>
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		<title>Car rentals and loss damage waivers</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/car-rentals-and-loss-damage-waivers/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/car-rentals-and-loss-damage-waivers/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 13:55:28 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[car rental]]></category>
		<category><![CDATA[loss damage waiver]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1119</guid>
		<description><![CDATA[The Loss Damage Waiver (LDW) sold by car rental companies is sometimes seen as price gouging. Although the price can be high, some insurance agents recommend it.]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Always avoid late payments</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/always-avoid-late-payments/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/always-avoid-late-payments/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 13:11:00 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[automatic payments]]></category>
		<category><![CDATA[bill pay]]></category>
		<category><![CDATA[late payments]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1116</guid>
		<description><![CDATA[It happens to everyone at some point in life. As soon as you know you can't cover all of the bills due, make a priority list.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit card issuers getting finicky?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-issuers-getting-finicky/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-issuers-getting-finicky/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 13:38:29 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[applications]]></category>
		<category><![CDATA[issuers]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1148</guid>
		<description><![CDATA[With so many changes in the credit card industry this year - and more to come in the next 6 months - some people are finding it more difficult to get approved for a new credit card.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit card rule changes</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-rule-changes/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-rule-changes/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 11:33:07 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[card act]]></category>
		<category><![CDATA[rule changes]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1155</guid>
		<description><![CDATA[As of yesterday - August 20, 2009 - some new rules for credit card companies are in effect.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Are fixed rate credit cards a thing of the past?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/are-fixed-rate-credit-cards-gone/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/are-fixed-rate-credit-cards-gone/#comments</comments>
		<pubDate>Tue, 04 Aug 2009 12:13:19 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[fixed apr]]></category>
		<category><![CDATA[fixed rate]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=1021</guid>
		<description><![CDATA[If searching for credit card offers in the recent past, you likely came across a variety of both variable-APR and fixed-APR card offers. Now, however, fixed APR offers are becoming harder to find.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>About prepaid cards</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/about-prepaid-cards/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/about-prepaid-cards/#comments</comments>
		<pubDate>Tue, 09 Jun 2009 12:49:35 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debit]]></category>
		<category><![CDATA[prepaid cards]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=785</guid>
		<description><![CDATA[The most important thing to know about prepaid cards is that they are not credit cards, but they can offer many of the benefits that credit cards offer, at least as far as consumers are concerned. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>More fees for overseas credit card purchases?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/more-fees-overseas-credit-card-purchases/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/more-fees-overseas-credit-card-purchases/#comments</comments>
		<pubDate>Wed, 03 Jun 2009 12:01:03 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[foreign transaction fees]]></category>
		<category><![CDATA[international]]></category>
		<category><![CDATA[overseas]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=792</guid>
		<description><![CDATA[While the specifics of foreign transaction fees can vary widely from credit card to another, one thing is becoming more commonplace: issuers are increasing these types of fees.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit card changes</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-fee-changes/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/credit-card-fee-changes/#comments</comments>
		<pubDate>Fri, 29 May 2009 12:08:01 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[fees]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=833</guid>
		<description><![CDATA[A Senate bill passed in May 2009 will bring a great number of changes to the credit card industry by early 2010.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Intro APR vs. regular APR</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/intro-apr-vs-regular-apr/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/intro-apr-vs-regular-apr/#comments</comments>
		<pubDate>Tue, 19 May 2009 13:35:20 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[intro apr]]></category>
		<category><![CDATA[ongoing apr]]></category>
		<category><![CDATA[regular apr]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=403</guid>
		<description><![CDATA[When applying for a credit card, pay attention to the different interest rates that come along with the offer. Two of the most important: the intro APR and the regular APR.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Double-cycle billing explained</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/double-cycle-billing-explained/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/double-cycle-billing-explained/#comments</comments>
		<pubDate>Fri, 08 May 2009 12:30:38 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[double-cycle billing]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=713</guid>
		<description><![CDATA[Double cycle billing is a method of computing finance charges that is used by some, but not all, credit card companies.]]></description>
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