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	<title>Credit Card Blog at Smart Credit Choices &#187; Did you know?</title>
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	<description>Be Smart About Credit Cards</description>
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		<title>How Different Types of Loans Improve Credit Scores</title>
		<link>http://www.smartcreditchoices.com/blog/2012/01/how-different-types-of-loans-improve-credit-scores/</link>
		<comments>http://www.smartcreditchoices.com/blog/2012/01/how-different-types-of-loans-improve-credit-scores/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 19:39:13 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Did you know?]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=741</guid>
		<description><![CDATA[To those unfamiliar with the nature of credit scores, it can make perfect sense to assume that the fewer loans one has, the better their credit score will be. Indeed, having a low amount of debt is an important factor in maintaining a high credit score. Nevertheless, there is also a component of an individual’s [...]]]></description>
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		<title>About the Chase Ultimate Rewards Mall</title>
		<link>http://www.smartcreditchoices.com/blog/2011/12/about-the-chase-ultimate-rewards-mall/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/12/about-the-chase-ultimate-rewards-mall/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 18:14:29 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[chase ultimate rewards]]></category>
		<category><![CDATA[chase ultimate rewards mall]]></category>
		<category><![CDATA[ultimate rewards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=716</guid>
		<description><![CDATA[While many rewards credit cards are tied to an affiliate’s loyalty program, some banks offer their own proprietary points system for use with their credit cards. Integral to these points programs are a means to redeem the currency for products and services. These programs can also allow customers to make purchases at select merchants in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>ShopDiscover Online Shopping Rewards</title>
		<link>http://www.smartcreditchoices.com/blog/2011/11/shopdiscover-online-shopping-rewards/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/11/shopdiscover-online-shopping-rewards/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 18:02:01 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[discover]]></category>
		<category><![CDATA[discover cash back]]></category>
		<category><![CDATA[discover online shopping mall]]></category>
		<category><![CDATA[shop discover]]></category>
		<category><![CDATA[shopdiscover]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=713</guid>
		<description><![CDATA[Everybody knows that you can use your cash back rewards card to save money on your everyday purchases. Indeed, banks compete fiercely with each other in order to offer customers the best cash back return rates, with their best offers only being separated by fractions of a percentage point. At the same time, most card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>About the Citi Bonus Cash Center</title>
		<link>http://www.smartcreditchoices.com/blog/2011/11/about-the-citi-bonus-cash-center/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/11/about-the-citi-bonus-cash-center/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:56:29 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[citi bonus cash center]]></category>
		<category><![CDATA[citi cash back rewards]]></category>
		<category><![CDATA[citi credit cards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=710</guid>
		<description><![CDATA[Frequent flier miles and other loyalty points will always be devalued over time, but cash back is the ultimate credit card reward. Like most other banks, Citi offers a variety of cards that return different levels of cash back based on various merchant categories.  Beyond the standard cash back returned, Citi offers additional rewards for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why Gas Station Credit Cards Should Be Avoided</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/why-gas-station-credit-cards-should-be-avoided/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/why-gas-station-credit-cards-should-be-avoided/#comments</comments>
		<pubDate>Fri, 22 Jul 2011 20:48:17 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[cash back credit cards]]></category>
		<category><![CDATA[gas credit card]]></category>
		<category><![CDATA[gas credit cards]]></category>
		<category><![CDATA[gas station credit card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=534</guid>
		<description><![CDATA[With the price of gasoline remaining higher than anyone really wants to pay, it can be tempting to get a gas station credit card which offers rewards just for filling up your gas tank.  Why wouldn&#8217;t you want to save some money for buying gas – something you have to buy anyway?  The theory is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is the Sears Card Worth Getting?</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/is-the-sears-card-worth-getting/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/is-the-sears-card-worth-getting/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 00:37:50 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[sears]]></category>
		<category><![CDATA[sears card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=566</guid>
		<description><![CDATA[Like nearly all credit cards issued by retailers, the Sears card offers extremely limited benefits and zero convenience while charging obscenely high interest rates. While this card may be easier to get than traditional credit cards for consumers with a mediocre or limited credit profile, any consumer that can qualify for a general credit card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gap Credit Card Features and Drawbacks</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/gap-credit-card-features-and-drawbacks/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/gap-credit-card-features-and-drawbacks/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 15:54:59 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[gap]]></category>
		<category><![CDATA[gap credit card]]></category>
		<category><![CDATA[gap visa]]></category>
		<category><![CDATA[store credit card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=545</guid>
		<description><![CDATA[The Gap offers two credit cards: a store use only card and a Gap Visa. Both the store only and Visa versions of the Gap card offer good benefits at the Gap and Gap owned stores including Banana Republic, Old Navy, Piperlime and Athleta. However, both Gap credit cards suffer from the same issues common [...]]]></description>
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		<slash:comments>0</slash:comments>
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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>Preventing Credit Card Security Problems</title>
		<link>http://www.smartcreditchoices.com/blog/2011/04/preventing-credit-card-security-problems/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/04/preventing-credit-card-security-problems/#comments</comments>
		<pubDate>Sat, 09 Apr 2011 11:09:03 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[credit card security]]></category>
		<category><![CDATA[credit card use]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=413</guid>
		<description><![CDATA[One of the main concerns shared by credit card users is security.  If your credit card information falls into the wrong hands, your personal finances and even your identity could be at risk.  Considering the number of transactions which are processed each day, security is a valid concern which should be taken seriously by all [...]]]></description>
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