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This guest blog is by Susan Ladika, a freelance writer who has lived in both the United States and Europe, and now calls Tampa, Fla., home. Her articles have appeared in The Wall Street Journal-Europe, CreditCards.com and scores of other publications.

I’ve traveled from Bosnia to Bali to Boston, and many points in between, and this month’s trip to Egypt was the first time I’ve ever had my bank card eaten by an automated teller machine.

It was a stifling hot night in Luxor, and all I wanted to do was grab some cash at the ATM across the street, run back to the coolness of the hotel, and pick up some souvenirs in the gift shop.

I inserted my ATM card and watched it disappear into the bowels of the machine — very different from the quick swipe and remove that I do with my SunTrust card at home.

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Staying on time for credit card payments was easier for some consumers during the first quarter.

Following trends seen throughout the economic downturn, consumers continued to concentrate on remaining current on their credit card debt, according to figures released recently from TransUnion.

According to the company, which specializes in providing financial information, the number of card accounts in the country that were more than 90 days late on payment fell 8.3 percent from the fourth quarter of last year to the first quarter of 2010. Read full article…

All of the UK’s major credit card providers treat any form of gambling activity on a credit card as a cash withdrawal, new research has revealed.

According to moneysupermarket.com, the price comparison website, this means that when using their card for gambling, credit card users may face higher APRs than they may have anticipated.

Indeed, Britons may find themselves charged around 11 per cent higher than their advertised APR when using their credit card as cash.

Kevin Mountford, head of banking at moneysupermarket.com, explained that credit card users have to be careful “how and where they use their card”.

He added: “The vast majority of consumers are aware that withdrawing cash on a credit card can be a costly exercise and should be avoided. Read full article…

Co-signatory credit cards are credit cards that are offered by credit card providers so that people with a poor or incomplete credit score can get a credit card without the need to go to a specialist low credit score credit card provider who will charge higher interest rates and have very low credit limits.

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Have you decided to pay off your credit card balances early? If so, you are like millions of other Americans looking to rid themselves of credit card debt. While it may have been harder to do in the pass it now looks many are using their monthly statements as incentives. As consumers start to get a better understanding of their credit card statements and the amounts they owe, surveys suggest that many are making the necessary moves to do something about it.

According to recent surveys from companies like National Foundation for Credit Counseling (NFCC) many cardholders have become more motivated to pay off that amount sooner than later.

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