All posts by Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
Computer hacker stealing data from a laptop concept for network security, identity theft and computer crime

Republican Donors’ Payment Card Information At Risk

October 24, 2016

With the general election just a few weeks away, Republican donors received some bad news. First, anyone who donated to Senate Republicans in the pas..
Bank sign on building

Number of Unbanked Households Still Falling

October 20, 2016

The number of unbanked households fell to 7% in 2015, down from 7.7% in 2013 and 8.2% in 2011. According to a survey from the Federal Deposit Insuranc..
Education costs

Financial Aid Applications More Stressful Than Applying for College

October 19, 2016

Nearly three out of four (71%) parents and students find the student loan process more stressful than applying for college, according to a recent stud..
United states currency, bills and coins

Cash Use Continues to Decline

October 18, 2016

In North America, 60% of consumers use cash to pay for a transaction at least once a week, a substantial decrease from 67% in 2015. While cash use is ..
Withdraw some money from the ATM machine

ATM Operators Will Be Liable for Chip-Enabled Mastercard Fraud Starting October 21st

One year after America transitioned to EMV chip cards, many card providers and merchants still haven’t made the switch to smartchip technology. ..
american express

American Express Cardholders Can Earn Double Rewards

October 17, 2016

Today, American Express announced a new campaign to encourage cardholders to buy from small businesses. The Shop Small for 2X Rewards program allows e..
Ft. Wayne IN - Circa December 2015: Vera Bradley World Headquarters and Design Center I

Vera Bradley Stores Breached

October 13, 2016

Fashion retailer Vera Bradley announced yesterday that 122 of their stores and 44 outlets had been breached this summer. An investigation revealed the..
Alushta Russia - October 25 2014: Woman holding a iPhone 6 Space Gray with service PayPal on the screen. iPhone 6 was created and developed by the Apple inc.

25% of PayPal Users Bought from Chinese E-Retailers Last Year

October 12, 2016

One in four PayPal users outside of China made purchases with Chinese e-retailers in 2015, according to a new report from PayPal. That equates to 40 ..

Fifth Third Launches New Credit Cards

October 11, 2016

Fifth Third unveiled two new credit cards today: a rewards card called TRIO, and the Truly Simple card, a card with an attractive introductory interes..
Credit Card, CVV code with mobile phone

Dynamic CVV Codes May Decrease Fraud

October 10, 2016

Oberthur Technologies is developing a new credit card to help combat fraud. In place of the three digit CVV (card verification value) code on the back..