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If you haven’t heard of RFID credit cards, you surely will soon. An abbreviation for “Radio Frequency ID,” some credit card issuers are embedding these tiny electronics inside the cards you carry in your wallet.

What’s the benefit? Instead of having to swipe your card every time you make a purchase, you can just wave it.

What’s the drawback? Well, if someone around you is enterprising, they can hack your card, and steal your personal financial information. Here’s how:

1. Get Yourself an RFID Reader

These are available from eBay. Just check

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Tags: Cards, Credit Cards, Rfid Credit, Rfid Credit Cards

Consumers have been complaining for years about the lack of disclosures by FreeCreditReport.com (and others) that charge customers for credit monitoring services at $14.95 per month. The Federal Trade Commission has had its sights on them from the beginning and has tried to pressure them to improve on their disclosures. Although consumers who sign up are given a brief trial period to cancel the service and still keep their free Experian credit report, many people simply forget or are not even aware they’ve been enrolled in a program until they notice the monthly service fee.

Senator Charles Schumer, (D-NY) is proposing a solution to the problem. He is asking the FTC to force Freecreditreport.com (and other companies like it) to give away the free credit report before the customer provides their credit card number. This will ma

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Tags: Monitoring, Monitoring Companies

Q: I want to redeem my American Express rewards, but I don’t know how to do this. Help!

A: If you have an American Express card that has a rewards program, once you have accrued enough points, you can redeem them. This is as easy as going to this website.

Once you have logged on to your account, you simply follow the steps to redeem your points. These steps include selecting the membership reward you wish to redeem points for. If you are not already registered, you can access the website and it will help you take care of this process.

The number for local redemption only is 1-800-299-1977.

If you are overseas and need to redeem points, you will need to call +65, then follow that by a “6.” Dial the “6” before you dial the rest of the phone number. Local cal Read more…

Tags: American Express, American Express Rewards, Express Rewards, Rewards