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    <title><![CDATA[Go Banking Rates: Credit Card Rates]]></title>
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    <description><![CDATA[The latest credit card rates information and news]]></description>
    <pubDate>Fri, 20 Nov 2009 15:02:48 -0600</pubDate>
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      <title><![CDATA[Go Banking Rates: Credit Card Rates]]></title>
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      <title><![CDATA[Gift Card Provisions Proposed for Credit CARD Act]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/gift-card-provisions-proposed-for-credit-card-act/</link>
      <description><![CDATA[If the proposal on the Credit Card Act is accepted by congress, there will be a number of new restrictions placed on gift card fees.]]></description>
      <pubDate>Thu, 19 Nov 2009 07:00:43 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Life and Disability Basics]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-life-and-disability-basics/</link>
      <description><![CDATA[Many credit card companies will try to get you to buy their life and disability insurance.
Having credit card life and disability insurance will result in your credit card payments being made by an insurance company to your credit card, should you be inju...]]></description>
      <pubDate>Sun, 15 Nov 2009 05:58:31 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Why Credit Card Life and Disability is a Bad Idea]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-credit-card-life-and-disability-is-a-bad-idea/</link>
      <description><![CDATA[When you get a credit card you may be asked as to whether or not you want to purchase life and disability insurance along with it. Credit card life and disability insurance will ensure that your credit card bills are paid in the event that you die or are ...]]></description>
      <pubDate>Thu, 12 Nov 2009 15:01:32 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Law Given New Effective Date to Stop Unfair Practices]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-law-given-new-effective-date-to-stop-unfair-practices/</link>
      <description><![CDATA[The House of Representatives passed a bill to move up the effective date for the new credit card law to Dec. 1, 2009. The original effective date was August 2010, which then moved to February, before this new bill was passed because lawmakers sensed that credit card companies were conducting unfair practices since they knew they would soon be restricted by the law.]]></description>
      <pubDate>Fri, 06 Nov 2009 07:00:46 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Paying Off Your Credit Cards Can Wreck Your Credit]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/paying-off-your-credit-cards-can-wreck-your-credit/</link>
      <description><![CDATA[ 
Actions taken by credit card companies have shocked consumers and lawmakers alike for years. They have a history of raising interest rates, adding high fees and penalties, and even participating in financial profiling.
However, some consumers with great...]]></description>
      <pubDate>Wed, 04 Nov 2009 09:24:38 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Why Schumer Doesn't Trust Those Credit Card Companies]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-schumer-can-t-trust-those-credit-card-companies/</link>
      <description><![CDATA[Sen. Charles Schumer (D-NY) knows he can't trust those pesky credit card companies, which is why he's pushing to move the new credit card law's effective date up from Feb. 2010.He hopes to get the date moved to Dec. 1, 2009, stopping companies from any attempts to shuck the system before they're legally entitled to do the right thing.]]></description>
      <pubDate>Tue, 27 Oct 2009 08:47:34 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Consumers Dumping Credit Cards, Choosing Alternate Payment Options]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/consumers-dumping-credit-cards-choosing-alternate-payment-options/</link>
      <description><![CDATA[According to new data from the Federal Reserve, consumers are dumping their credit cards and slowing down on other types of borrowing at a faster-than-expected pace. In August alone, consumers cut $11.8 billion in borrowing, which represents a 5.8 percent annual rate of decline.]]></description>
      <pubDate>Mon, 12 Oct 2009 08:58:03 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[When Are Closed Account Fees Charged?  ]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/when-are-closed-account-fees-charged/</link>
      <description><![CDATA[Transferring your credit card balance from one card to another in order to take advantage of the new card's low introductory interest rate is a popular thing to do. In normal economic times - and these are not normal economic times, not by a long shot - many credit cards companies want to take your business away from their competitors, and they do so by offering zero or low introductory interest rates for a set period of time (such as 3-6 months).]]></description>
      <pubDate>Mon, 12 Oct 2009 07:00:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Avoid Universal Default]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/how-to-avoid-universal-default/</link>
      <description><![CDATA[Just when you thought credit card companies couldn't be any more irksome (to be diplomatic about the whole thing) along comes "universal default." Universal default has been around for a long time, truth be told, but the concept will still be news to most...]]></description>
      <pubDate>Fri, 09 Oct 2009 05:49:51 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is Universal Default?]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/what-is-universal-default/</link>
      <description><![CDATA[Universal default is a credit card term referring to your late or missed payment on any bill besides your credit card. 
Credit card companies check your credit card report all the time, and if you are late on any payment they find out about it and will co...]]></description>
      <pubDate>Thu, 08 Oct 2009 15:47:30 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Take advantage of 0% Balance Transfer To Save Money]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/take-advantage-of-0-balance-transfer-to-save-money/</link>
      <description><![CDATA[If used properly, one of the best options out there is a 0% balance transfer, as it is a way to completely eliminate paying interest on your credit card debt from your monthly budget equation. ]]></description>
      <pubDate>Mon, 05 Oct 2009 07:00:56 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Line of Credit or a Loan?]]></title>
      <link>http://www.gobankingrates.com/loans/personal-loans/line-of-credit-or-a-loan/</link>
      <description><![CDATA[Every now and then people need access to money quickly to cover unexpected expenses. When the time comes it may be difficult deciding between using a line of credit from a credit card or securing a loan of some type to help get through the rough patch. Each option has both advantages and disadvantages associated with them based on what you need to use the money for and how you plan on paying back the debt in general.]]></description>
      <pubDate>Mon, 05 Oct 2009 07:00:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[U.S. Credit Card Rules to Toughen]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/us-credit-card-rules-to-toughen/</link>
      <description><![CDATA[In addition to the new Credit Card Bill of Rights that have recently passed through Congress, the U.S. Federal Reserve recently announced further changes they want to make in order to offer consumers more protection. In December of 2008 the Federal Reserve endorsed a new series of mandates that  blocked issuers from treating card holders unfairly. The new proposals would amend the current regulations to properly incorporate the new credit card law. ]]></description>
      <pubDate>Fri, 02 Oct 2009 07:00:41 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Why Doesn't My Credit Card Tell Me When My Payment is Due?]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-doesn%27t-my-credit-card-notify-me-when-my-balance-is-due/</link>
      <description><![CDATA[If you're like millions of other Americans then you've got a credit card. Just about all credit cards require you to make a minimum monthly payment on your balance of charges. Very often you choose the date you want to designate the one-month point -- say...]]></description>
      <pubDate>Tue, 29 Sep 2009 06:09:02 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[The Reason Behind the Security Code on Your Credit Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/what-is-the-purpose-of-the-security-code--/</link>
      <description><![CDATA[One part of credit card companies' arsenal in the war against fraud is the three-digit security code found on the back of your credit card. 
Why is the security code there?
Your credit card's security code is designed to make fraudulent purchases more dif...]]></description>
      <pubDate>Mon, 28 Sep 2009 13:40:21 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is a Closed Account Fee?]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/what-is-a-closed-account-fee/</link>
      <description><![CDATA[For whatever reason, people cancel their credit cards soon after getting them. 
When this happens, the credit card issuer will very often level what is called a "closed account fee." A closed account fee penalizes a card holder if he or she cancels their ...]]></description>
      <pubDate>Mon, 28 Sep 2009 11:45:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Should I Get a Credit Card Protection Plan?]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/should-i-get-credit-card-protection/</link>
      <description><![CDATA[In theory credit card protection sounds like a good idea. If a consumer has a credit card protection plan and is no longer able to pay the balance on the credit card due to job loss or illness, the credit card protection will cover the minimum payments of...]]></description>
      <pubDate>Thu, 24 Sep 2009 16:12:39 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Why Credit Card Limits Are Being Cut]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-are-credit-limits-cut/</link>
      <description><![CDATA[Credit card companies are not immune to the credit crisis, and one way they're protecting themselves is by lowering credit limits wherever and whenever they can. 
You might have a perfect payment history and still wake up to a $5,000 card limit that's bee...]]></description>
      <pubDate>Thu, 24 Sep 2009 15:34:48 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Benefits of a Pre-Approved Credit Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/benefit-pre-approved-credit-card/</link>
      <description><![CDATA[Somewhere in the world, a person is reviewing a stack of mail and among their correspondence is an offer from a credit card company stating "you have been pre-approved!" 
Many times people shred the offer, but if you are looking for a new line of credit t...]]></description>
      <pubDate>Thu, 24 Sep 2009 15:23:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Avoid Late Fees From Your Credit Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-does-it-take-so-long-for-my-cc-payment-to-be-processed/</link>
      <description><![CDATA[Credit cards make a lot of their profit from fees and penalties leveled against their members. Late fees, over-limit penalties, and other sundry charges are of critical importance to the credit card companies. 
As part of their tactics to squeeze more mon...]]></description>
      <pubDate>Wed, 23 Sep 2009 17:02:43 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Two Hidden Benefits of Your Credit Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/benefits-of-your-credit-card/</link>
      <description><![CDATA[Since the 1970's, credit cards have become the most convenient way to pay for consumer purchases. Without them, international travel, emergency car repairs, Internet shopping and renting a car would be nearly impossible. The amazing thing about most credi...]]></description>
      <pubDate>Wed, 23 Sep 2009 16:30:00 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Companies Make Life Easier for Consumers Before Law Enacted]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-companies-making-life-easier-for-consumers-before-law-enacted/</link>
      <description><![CDATA[Many credit card holders will be able to breathe a sigh of relief as they receive favorable deals from credit card issuers prior to the new law taking effect in February 2010. As a way to clean up their image after hearing months of criticism from President Obama and Congress, major banks are now creating ways to help their consumers pay down debt and more.]]></description>
      <pubDate>Wed, 23 Sep 2009 04:30:08 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Balance Transfer Fees for Your New Credit Card: The Facts]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/are-there-fees-involved-with-transferring-my-balance-to-another-card-/</link>
      <description><![CDATA[Many people like to transfer their credit card balances from one card to another. They usually do this because the new card offers a tempting introductory grace period where interest rates on the debt are either zero or very low. 
These grace periods, whi...]]></description>
      <pubDate>Tue, 22 Sep 2009 16:56:18 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[A Glossary of Credit Card Terms]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/understanding-credit-card-terms/</link>
      <description><![CDATA[For many people, the terms used by credit card companies can be bewildering. 
Whats the difference between your annual percentage rate and your daily periodic rate? Or your monthly finance charges, or your average daily balance? Well, take heart and be of...]]></description>
      <pubDate>Tue, 22 Sep 2009 05:26:32 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Fraud Prevention Tips]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-fraud-prevention-tips/</link>
      <description><![CDATA[Learn more about some easy steps you can follow to avoid credit card fraud.]]></description>
      <pubDate>Sun, 20 Sep 2009 11:14:08 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[FAQ: What is a Monthly Credit Cycle?]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/what-is-a-monthly-credit-cycle/</link>
      <description><![CDATA[Learn more about credit card monthly billing cycles and how to use them to your advantage.]]></description>
      <pubDate>Sun, 20 Sep 2009 09:03:48 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Inactive Cards Canceled ]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/inactive-cards-canceled/</link>
      <description><![CDATA[You can ensure your credit cards don't get deactivated due to inactivity by using it at least once every 6 months.]]></description>
      <pubDate>Sat, 19 Sep 2009 11:47:51 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Changes to Credit Card Regulations in 2009]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/changes-to-credit-card-regulations-in-2009/</link>
      <description><![CDATA[Many changes have been made to credit card regulations in 2009.  What does this mean for credit card holders and how does it affect their spending habits down the road.]]></description>
      <pubDate>Wed, 16 Sep 2009 08:27:28 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Customer Satisfaction Reaches 3-Year Low]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/customer-credit-card-satisfaction-reaches-3-year-low/</link>
      <description><![CDATA[It looks like credit card issuers have reached a new low when it comes to customer satisfaction. According to a recent report from J.D. Powers, on a scale of 1000, customer satisfaction ranks at 703. This is lower than 2008's ranking of 710, and the lowest showing since the firm began looking at credit cards in 2007.]]></description>
      <pubDate>Fri, 11 Sep 2009 09:23:36 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[An Interesting Concept of Affinity Credit Cards]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/an-interesting-concept-of-affinity-credit-cards/</link>
      <description><![CDATA[Credit cards have really evolved and become more sophisticated since they were first introduced long ago. Not only are they on the cutting edge of fraud-preventing and security technology, but they've also been re-imagined by way of very savvy marketing strategies. One of these marketing strategies is the affinity card. An affinity card is a credit card that is linked to an organization or another company that very often have nothing to do with credit cards. ]]></description>
      <pubDate>Thu, 27 Aug 2009 13:30:46 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Debit Cards Can Act as a Credit Cards]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/debit-cards-can-act-as-a-credit-cards/</link>
      <description><![CDATA[You may have noticed that your debit card also has the option to be used as a credit card. Many people are confused as to why this is.]]></description>
      <pubDate>Mon, 24 Aug 2009 16:20:41 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Your College Student's Credit Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/your-college-students-credit-card/</link>
      <description><![CDATA[Are you thinking about putting your college-aged son or daughter on your credit card account? Consider the pros and cons of putting your college student on your credit card account...]]></description>
      <pubDate>Fri, 21 Aug 2009 12:49:44 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[3 Tips for College Students to Use Credit Cards Responsibly]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/college-student-series-how-to-use-credit-cards-responsibly/</link>
      <description><![CDATA[College is where you learn more than subjects in school; you learn the rules of life, including how to manage money. One major aspect of money management nowadays is understanding how to appropriately use your credit cards. And as a college student who is just learning personal responsibility, it can be a bit difficult to know exactly what to do to not ruin your credit right away.]]></description>
      <pubDate>Wed, 19 Aug 2009 14:00:21 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Crackdown Series: Credit Card Bill of Rights]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-crackdown-series-credit-card-bill-of-rights/</link>
      <description><![CDATA[For too many years the credit card industry has been quite loosely regulated. The credit card industry has been able to change credit limits, fees, and annual interest rates at will and consumers were the ones to feel the effects. In order to put this under control, President Obama recently signed the credit-card consumers Bill of Rights.  The goal is to provide consumers with relief as fee limitation and contract change notification revisions are part of the legislation.]]></description>
      <pubDate>Tue, 18 Aug 2009 13:44:20 -0500</pubDate>
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    <item>
      <title><![CDATA[Credit Card Crackdown Series: How to Survive Default]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-crackdown-series-how-to-survive-default/</link>
      <description><![CDATA[Many of America's largest lenders are expecting to write off nearly 14% off of their bottom line due to the incredibly high default rates triggered by the current economic crisis. Bank of America recently reported that they are experiencing a 13.8% current charge off rate. With more charge-offs affecting the lenders bottom lines, credit worthy consumers are feeling the pinch in the form of higher interest rates, raised fees and reduced line of credits. All of which can ultimately lead to more defaults.]]></description>
      <pubDate>Mon, 17 Aug 2009 16:13:01 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Crackdown Series: Obtaining Low APRs]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-crackdown-series-obtaining-low-aprs/</link>
      <description><![CDATA[Credit card companies have been experiencing higher than average repayment default rates and even the most qualified consumers are struggling to find low rate credit cards. See what credit cards are available to you that have low APRs on Go Banking Rates. ]]></description>
      <pubDate>Fri, 14 Aug 2009 14:54:06 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Crackdown Series: Consumer Protection Plan]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-crackdown-series-consumer-protection-plan/</link>
      <description><![CDATA[Many consumers feeling the brunt of the economic meltdown took advantage of a system that had no intention of protecting their needs in the first place. President Obama is currently in the works of overhauling the financial regulatory system and creating a consumer protection agency to prevent any other large scale financial melt down from occurring in the future.]]></description>
      <pubDate>Thu, 13 Aug 2009 09:41:04 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Citi Bank Offering 4.07% APY CD Rate for 18 Month CD With a Boost in Your Credit Score]]></title>
      <link>http://www.gobankingrates.com/cd-rates/citi-bank-offering-407-apy-cd-rate-for-18-month-cd-with-a-boost-in-your-credit-score/</link>
      <description><![CDATA[Citi Bank is now offering a high 4.07% APY cd rate - this is by far one of the highest cd rate just for an 18 month cd. The stock market hasn't done too extremely well in recent months and many people are flocking into low risk investments such as cds, so if you're one of those people this cd rate may seem like a "treasure chest." Also this offer is design to help those with poor credit.]]></description>
      <pubDate>Thu, 06 Aug 2009 09:07:16 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[0% Credit Card Rate on the Discover More (SM) Card]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/0-credit-card-rate-on-the-discover-more-sm-card/</link>
      <description><![CDATA[Discover Card is offering a 0% APR card call the Discover More. Currently, with this card customers can get 5% cash back bonus in the follow categories: Travel, Home Improvements Stores, Department stores, Gas, Restaurants, etc.
]]></description>
      <pubDate>Mon, 03 Aug 2009 10:56:24 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Deals for Students]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-deals-for-students/</link>
      <description><![CDATA[Credit card deals for students make a lot of financial sense because they waive so many of the terms and conditions that are in place for all other people who aren't students. ]]></description>
      <pubDate>Mon, 27 Jul 2009 17:02:07 -0500</pubDate>
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