Contributed by mm | October 17, 2004 07:22 AM
PST
David Jackson and I share a common belief that a smart person can play the credit card game right and take advantage of credit card companies. In his TechUncovered site, David published The Radical Guide to Credit Cards, a thorough summary of how the credit card game works. It is definitely worth your 30 minutes if you feel you have not optimized your credit card usage yet. I have to admit this Radical Guide is much more systematic than my frequent discussion of various credit card offers and tricks. In this guide, David walks you thru how credit card companies can make money from you (interests, late payment fees, balance transfer fees, cash advance fees, etc.), and how you can fight back by exploting the reward systems (get the best cards for each spending scenario). I especially like David's analysis of mileage cards. His thoughtful analysis concludes that these mileage cards are lousy deals for most people, because of the timespan to get rewarded, the multiple restrictions and the various fees associated.
(Like PFBlog, this Radical Guide is supported by context-based advertising only. If you love the Guide, please remember to pay tribute to David.) 
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MBNA Starts to Issue American Express Cards (November 06, 2004)
MBNA is now saving the top spot in its front page for American Express card. With a recent Supreme Court decision that removes the restriction from Visa and MasterCard, MBNA became "the first and the only U.S. financial institution to issue American Express-branded credit cards." Read
How MBNA Takes Away Your Benefits, Gradually (November 04, 2004)
From time to time, credit card issuers can take away benefits promised at the time of your application, or change the terms of credit card, often in a discreet manner. If you receive some notices from your bank, don't throw it away. It is often ... Read
Watch Out for Bad-Loan Signals (October 14, 2004)
After a short-lived spike in early summer, mortgage rate has been declining for several weeks. Nowadays, you can refinance to a 5/1 ARM at 4.125% with zero points. It's not as good as the 3.50% rate I got for a 5/1 ARM earlier this year ... Read
Dirty Secrets of Airline Credit Cards (October 07, 2004)
Thinking of your free ticket every time you swipe your airline credit cards? Take a look at this CNN Money article. Your free ticket can come from your own money in the form of annual fees, and, if you regularly keep a balance on the ... Read
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