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	<title>Credit Card Blog at Smart Credit Choices &#187; Credit Card News</title>
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	<description>Be Smart About Credit Cards</description>
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		<title>The Best Credit Card Offers In Years</title>
		<link>http://www.smartcreditchoices.com/blog/2011/06/the-best-credit-card-offers-in-years/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/06/the-best-credit-card-offers-in-years/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 14:28:14 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[0 apr credit cards]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[credit card bonus]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[rewards cards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=574</guid>
		<description><![CDATA[One year ago, consumers were still finding it difficult to gain approval for credit cards. Today, credit card companies are rolling out the red carpet, offering applicants sky high sign up bonus, ultra long 0% interest rates, and just about everything else under the sun.  Finding a good credit card is no longer an issue, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is The Macy&#8217;s Credit Card a Smart Choice?</title>
		<link>http://www.smartcreditchoices.com/blog/2011/06/is-the-macys-credit-card-a-smart-choice/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/06/is-the-macys-credit-card-a-smart-choice/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 13:00:04 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Credit Card Polls]]></category>
		<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[macys card]]></category>
		<category><![CDATA[macys credit card]]></category>
		<category><![CDATA[macys credit card offer]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=570</guid>
		<description><![CDATA[The Macy&#8217;s card is a high interest rate credit card with a number of drawbacks. While really heavy Macy&#8217;s shoppers who always pay their credit card bills in full may benefit from the various promotions and deals offered to cardholders, most consumers can easily find a better credit card that is more widely accepted with [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Citi Platinum Select Credit Card Benefits</title>
		<link>http://www.smartcreditchoices.com/blog/2011/06/citi-platinum-select-credit-card-benefits/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/06/citi-platinum-select-credit-card-benefits/#comments</comments>
		<pubDate>Fri, 17 Jun 2011 00:00:19 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[0 apr credit cards]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[citi 0% APR]]></category>
		<category><![CDATA[citi 0% balance transfer]]></category>
		<category><![CDATA[citi credit card]]></category>
		<category><![CDATA[citi platinum]]></category>
		<category><![CDATA[citi platinum select]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=520</guid>
		<description><![CDATA[If you&#8217;re looking for a 0% APR credit cardto use for your everyday purchases or have a high interest balance on another card that you need to pay off – the Citi Platinum Select Card may be the best credit card for you.  The extra benefits the card offers are probably worth more to the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Will Credit Cards Charge Annual Fees?</title>
		<link>http://www.smartcreditchoices.com/blog/2009/11/will-credit-cards-charge-annual-fees/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/11/will-credit-cards-charge-annual-fees/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 18:10:32 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=219</guid>
		<description><![CDATA[Earlier this month,  Bank of America announced that they would be charging annual fees on a limited number of their credit cards.  According to Market Watch (see http://www.marketwatch.com/story/credit-cards-gouge-consumers-ahead-of-new-law-2009-11-06?link=kiosk), Bank of America will begin charging annual fees in February, the month the final elements of the new credit card laws go into effect.  While Bank of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>More 0% Credit Card Offers Hit the Market</title>
		<link>http://www.smartcreditchoices.com/blog/2009/10/more-0-credit-card-offers-hit-the-market/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/10/more-0-credit-card-offers-hit-the-market/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 19:21:06 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=210</guid>
		<description><![CDATA[After months of decline, a number of 0% credit card offers have returned to the market.  During the majority of 2009, credit card companies relentlessly slashed the duration of 0% introductory offers, with most companies only offering intro rates that lasted around 6 months. In the past few weeks, however, more and more credit card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Citibank Increases Interest Rates to 29.99%</title>
		<link>http://www.smartcreditchoices.com/blog/2009/10/citibank-increases-interest-rates-to-29-99/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/10/citibank-increases-interest-rates-to-29-99/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 19:01:17 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=207</guid>
		<description><![CDATA[After substantially raising interest rates on customers during July, Citibank has recently raised interest rates to 29.99% on thousands of unsuspecting customers, many of whom have very good credit and longstanding histories with Citi credit cards. Citi&#8217;s decision to raise interest rates to an astounding 29.99% represents perhaps the most dramatic and unjustifiable rate increases [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Companies Continue to Tighten Credit</title>
		<link>http://www.smartcreditchoices.com/blog/2009/10/credit-card-companies-continue-to-tighten-credit/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/10/credit-card-companies-continue-to-tighten-credit/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 14:50:08 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=205</guid>
		<description><![CDATA[With the holiday season approaching, I&#8217;d like to be optimistic about the availability of credit.  Unfortunately, credit card companies appear to be making it even more difficult for consumers without excellent credit to get new cards.  While its easy to blame this on the credit card companies, the new credit card laws are having an [...]]]></description>
		<wfw:commentRss>http://www.smartcreditchoices.com/blog/2009/10/credit-card-companies-continue-to-tighten-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chase Payment Increase Leads to Rate Increase for Consumer</title>
		<link>http://www.smartcreditchoices.com/blog/2009/06/chase-payment-increase-leads-to-rate-increase-for-consumer/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/06/chase-payment-increase-leads-to-rate-increase-for-consumer/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 21:47:15 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=202</guid>
		<description><![CDATA[A number of visitors have been justifiably angry at Chase for raising their monthly minimum payment requirements on fixed for life balances from 2% of the balance owed to 5% of the balance owed.  For many, the new payment required is mortgage sized and, in some cases, more than $1,000 a month. Most of the [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Not So Breaking News:  Credit Card Companies Slash Rewards Programs</title>
		<link>http://www.smartcreditchoices.com/blog/2009/03/credit-card-companies-slash-rewards-programs/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/03/credit-card-companies-slash-rewards-programs/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:36:43 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=187</guid>
		<description><![CDATA[If Google actually indexed my blog posts, people would have been aware that credit card rewards programs have been on the decline for quite some time.  Unfortunately, Google hates this website, and you may have only recently learned of the fact that credit card companies are cutting rewards programs through the mainstream media.  A recent [...]]]></description>
		<wfw:commentRss>http://www.smartcreditchoices.com/blog/2009/03/credit-card-companies-slash-rewards-programs/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>Will TALF Save Credit Card Issuers?</title>
		<link>http://www.smartcreditchoices.com/blog/2009/02/will-talf-save-credit-card-issuers/</link>
		<comments>http://www.smartcreditchoices.com/blog/2009/02/will-talf-save-credit-card-issuers/#comments</comments>
		<pubDate>Mon, 09 Feb 2009 17:06:00 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card News]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=162</guid>
		<description><![CDATA[Credit card companies have been tightening lending standards dramatically over the past year, with a recent Fed study reporting that more than 60% of senior loan officers increased credit requirements.  This does not bode well for consumers, especially those trapped by high interest rates or in need of short term funds. TALF, the Term Asset-Backed [...]]]></description>
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