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    -- Issuers want to see at least six months of responsible repayment activity before approving you for another card. (See Credit history)Balance transfer: the best way to pay down card debt?

    -- If you’re committed to paying down any lingering card debt, here’s how to tell if a balance transfer will be a cost-effective approach. (See Balance transfer)How to restore credit after maxing out cards -- Reaching a 100 percent utilization due to maxed-out cards can hurt your credit score.

    (See Card disputes and lawsuits)I mistakenly paid off my late husband's card. -- The odds of getting an issuer to refund a payment are slim to none, unless it was made to a stranger's account. (See Card payment refund)Adding paid-off credit account to my report; is it worth it?15, 2017: Interest rates on new credit card offers remained fixed at 16.15 percent Wednesday for the ninth consecutive week, according to the Credit Weekly Credit Card Rate Report. (See Card APRs remain fixed)How do I transfer credit profile from an ITIN to new SSN? podcast: How your voice will become your credit card -- We’ve all got wallets full of plastic, but voice commerce is growing in popularity, allowing you to make purchases, check your balance, and pay your cards all with a simple vocal command ...-- You can have a credit history with an ITIN, but once you get a Social Security number, you must notify the credit bureaus to move your history under your new SSN. (See Podcast: Bob Stolzberg on voice commerce)Q&A: If I file bankruptcy, will my spouse be liable for my debt?-- It is wise to pay down credit card debt to reduce interest charges. 22, 2017: Interest rates on new card offers remained stuck in place this week, according to the Credit Weekly Credit Card Rate Report. (See Rate survey)I paid off my card but stopped using it; will it be canceled? -- If you keep the cards open and active and pay on time, having a reduced income shouldn't cause an issuer to close your accounts. (See Closed card accounts)7 easy ways to protect your credit while holiday shopping -- Fraudsters may be more likely to strike during the holiday season when consumer spending is high, so vigilance is especially important from November to January. (See Holiday fraud)I'm an authorized user on high-balance cards; what to do?-- Some creditors might cancel your card due to inactivity, which could affect your credit score. -- Removing yourself as an authorized user from highly utilized cards might be a no-brainer, but you should also consider other factors, such as the age of the accounts. (See Authorized users and credit utilization)Rate survey: Average card APR holds steady at 16.15 percent for ninth week -- Nov.

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