About Natalie Rutledge

Natalie Rutledge majored in Communications at Mississippi State University. She was in sales for a number of businesses and spent nine years working as a communications advisor to various entities. Natalie can be contacted directly at natalie@lowcards.com

MasterCard Send, A New Digitial Payment Service

MasterCard is aiming to change the way people transfer money between debit cards, thanks to its new program called MasterCard Send. This "first-of-its-kind, global personal payments platform" allows consumers to send and receive funds within seconds, rather than waiting for … Continue reading

New Partnership Combines Local Searches with Mobile Wallets

SIM Partners, the company behind the popular local marketing platform Velocity, has teamed up with the mobile marketing firm Vibes to bridge the gap between local searches and in-store purchases. The partnership has developed an innovative program designed to convert … Continue reading

Seniors Adopting to Biometrics for Mobile Banking

Biometric authentication is a fairly new concept that allows mobile phone users the chance to verify their identity through their face, voice or fingerprint. This high-tech solution may seem like a perfect fit for the younger generation, but USAA has … Continue reading

AmEx Rewards Now Accepted at Chili’s Grill & Bar

American Express Rewards members now have one more way to spend their loyalty points. AmEx has announced that starting today, May 18, Membership Rewards points can be used for dine-in purchases at select Chili's Grill & Bar locations nationwide. The … Continue reading

Sally Beauty Suffers Second Data Breach

For the second time in just over a year, Sally Beauty Holdings Inc. has been hit with a data breach The company confirmed today in a statement that there was an "illegal intrusion" into its payment card systems. In March of … Continue reading

Visa Clear Sets Standards for Consumer-Friendly Prepaid Cards

Visa has created a new program is designed to eliminate the confusing, and often costly, fees associated with most prepaid debit cards. Known as the Visa Clear Prepaid Program, this system creates a stringent set of standards that prepaid cards … Continue reading

J.G. Wentworth to Enter Prepaid Card Market

The J.G. Wentworth Company, a structured settlement payments firm, has announced it will be partnering with FIS and MetaBank to establish a new prepaid debit card for its customers. FIS will act as the processor for the prepaid card, with … Continue reading

Credit Card Debt Linked to Depression

A new research study shows a distinct link between credit card debt and depression. The study from the University of Wisconsin-Madison assessed the impact different types of debt have on depressive symptoms, and how those symptoms affected different sectors of the … Continue reading

Apple Pay to Accept Discover Credit Cards this Fall

Apple Pay is expanding its options once again, with plans to accept Discover cards this fall. Apple Pay will now be working with the country's top four credit card networks, since Visa, MasterCard and American Express are already being used … Continue reading

CFPB Doubles Efforts to Clear Backlog of Investigations

The Consumer Financial Protection Bureau has put a temporary stop on all new investigations coming into the bureau in an effort to clear the existing backlog. The organization currently has unresolved cases that date back over three years. The CFPB … Continue reading

36% of Millennials Have Never Owned a Credit Card

Millennials are sometimes viewed as the most irresponsible generation when it comes to finances, but new research suggests they may not be quite as careless as perceived. A recent study from Princeton Survey Research Associates International assessed the financial habits … Continue reading

OneBit App Makes Bitcoins Acceptable at MasterCard PayPass Terminals

In an effort to bring Bitcoins into the mainstream payments market, a group of participants from the MasterCard Masters of Code hackathon developed an application that ties Bitcoins with MasterCard's PayPass technology. The application, known as OneBit, allows Bitcoin users … Continue reading

Papa John’s Launches PayShare to Help Customers Split Bill

Hate the struggle of having to collect everyone's cash when you order a pizza for delivery? Papa John's is aiming to change that with its new online bill splitting tool, PayShare. With this digital application, customers can immediately split their … Continue reading

Credit Union Launches First Mobile Banking App for Smartwatches

Credit union customers in Ohio are the first in the country to be able to do mobile banking on their smartwatches, thanks to the new Android Wear app from Wright-Patt Credit Union. The new app, developed by Digital Insight, is … Continue reading

Walmart Exec Says Chip and Signature Won’t Enhance Card Security

Walmart's assistant treasurer Mike Cook is speaking out about the predicted disappointment with chip and signature credit cards, indicating that Americans will still be vulnerable to theft after the shift. In an interview about the changing card infrastructure, Cook told … Continue reading

Bento for Business Launches Prepaid Commercial MasterCard

Small business financial provider Bento for Business has launched a new commercial prepaid card, giving business owners an easier way to allow employees to make purchases for the company. The prepaid card is backed by MasterCard. Some small businesses do … Continue reading

Credit Suisse Launches Private Banking App in Singapore

Credit Suisse launched a new digital banking platform last week that gives banks in Singapore the ability to offer app-based wealth management services to their customers. The platform comes with a simple user interface, complete with trading tools, portfolio analytics and client … Continue reading

Xiaomi Creates Mobile Wallet That Earns Interest

Chinese phone maker Xiaomi has come up with an idea that may actually entice people to start using mobile wallets. Their latest development, which has yet to be named, is a digital wallet that lets users earn interest on their … Continue reading

Visa ReadyLink Now Reloadable at Walmart

Visa ReadyLink users now have a new and convenient way to add funds to their accounts. Point-of-sale provider InComm announced last week that the company has integrated Visa ReadyLink technology into Walmart's Rapid Reload network, allowing users to deposit funds to … Continue reading

Credit Card Data Breach Hits Point-of-Sale Device Firm

A company that supplies payment and point-of-sale solutions to cafeterias, airports, casinos, and other food service providers may have become the latest victim of a credit card data breach. NEXTEP Systems is investigating a data breach where the payment information … Continue reading

Good Samaritan Finds, Returns Tom Hanks’ Lost Credit Card

What would you do if you found the credit card of a Hollywood celebrity lying on the street? An unidentified man by the name of "Tony" found Tom Hank's credit card in New York, and promptly returned it to the … Continue reading

CFPB Study Verifies the Need for Arbitration Clause Reform

The Consumer Financial Protection Bureau has released a study that verifies just how important it is for the government to reform mandatory arbitration clauses in credit card agreements. The study shows 75% of consumers are unaware of the arbitration clauses … Continue reading

New PayPal Here Card Reader Supports NFC Payments

PayPal will soon launch a new version of its PayPal Here credit card reader which is expected to accept NFC payments as well as chip-and-PIN credit cards. Merchants and small business owners using PayPal Here will be able to accept … Continue reading

New Mexico State Senate Approves Debit Card Purchases of Lottery Tickets

The bill allowing players to buy New Mexico lottery tickets with debit cards passed the state Senate last week by a vote of 25-16. The proposed law would give people more payment options when consumers buy their lottery tickets, which … Continue reading

CFPB Wants to Suspend Credit Card Agreement Submissions

Last week, the Consumer Financial Protection Bureau proposed a temporary suspension to the requirement that credit card issuers submit their consumer agreements so they can be posted on the CFPB website for public access. The CFPB wants to create a … Continue reading

Bulk Reef Supply Reports Website Hacked

Bulk Reef Supply, one of the leading suppliers for saltwater aquarium supplies in the United States, reported their website was hacked between July 30th, 2014 and January 22, 2015. Passwords, email addresses and credit card information may have been exposed … Continue reading

CFPB to Focus on Credit Reporting and Medical Debt Collection in 2015

For the first time this year, the Consumer Advisory Board (CAB) of the Consumer Financial Protection Bureau met last Thursday in Washington D.C. to discuss the organization's focus for 2015. The meeting centered around credit reporting and the collection of … Continue reading

New Discover it Miles Credit Card Doubles Rewards in Year One

Fans of the Discover it card now have even more reason to celebrate, thanks to the launch of the Discover it Miles travel rewards card. This card maintains the high rewards standards of the cashback card, but it puts an … Continue reading

92% of Women Want to Learn More about Personal Finance

A new study from Fidelity Investments shows the vast majority of women want to take a bigger role in their personal finances. 92% of participants said they desired to learn about financial planning, and 83% wanted to get more involved … Continue reading

PayPal Shuts Down Several Copycat Phishing Sites

Cyber criminals often create lookalike sites for popular payment processors and financial institutions in an effort to steal a person's login information and then hack into that account. PayPal has recently worked to take several of these phishing websites offline … Continue reading

Consumers Demand Mobile Banking Apps When Opening New Checking Account

According to a new study of consumer banking behavior, 56% of bank customers look for mobile banking apps when creating a new checking account. Millennials are more likely to seek out mobile banking solutions than older consumers, but the demand … Continue reading

50% of Americans Lie about Money in Their Relationships

Fifty percent of Americans have lied to their partners about money, according to recent survey from American Consumer Credit Counseling. As thousands of couples prepare to pledge their love to one another over the Valentine's Day weekend, this poll shows … Continue reading

Cash Back Site BigCrumbs.com Investigates Possible Data Compromise

Popular cash back site BigCrumbs.com has been offline since January 29th investigating a potential data compromise on its website. Vince Martin, CEO of BigCrumbs, assured the website's users that the compromise in question was not the result of a data … Continue reading

Wendy’s to Launch Mobile-Friendly POS Terminals at 2,600 Locations

Wendy's is working to say ahead of the fast food competition by installing mobile friendly payment terminals at more than 2,600 locations. The new point-of-sale system will enhance the company's mobile rewards program and promote opportunities for mobile ordering in … Continue reading

New Mexico Bill Would Allow Credit Card Payments for Lottery Tickets

In an effort to boost ticket sales for New Mexico's struggling lottery, Democratic State Senator John Arthur Smith has proposed a bill to allow players to purchase tickets with their credit cards. At this time, the only payments accepted for … Continue reading

MasterPass Expands to More Merchants

MasterPass, MasterCard's digital wallet, will now be an acceptable payment method at several major retailers. Some of these include Blue Nile, Office Depot, Broadway.com, Chegg, Shop.com, CheapO Air, Neiman Marcus and Rue La La. MasterPass can also be used to … Continue reading

True Link Raises $3.4 Million to Develop Debit Card to Help Fraud Protection for the Elderly

True Link Financial has been working on a debit card solution for seniors that will help protect them against identity theft. The startup recently scored an extra $3.4 million in funding which could significantly improve the card's features. The card helps provide … Continue reading

SWIFT Sanctions Screening Now Covers All Financial Transaction Formats

The international financial-messaging network SWIFT recently announced that it is extending its Sanctions Screening service to support all messages used for financial transactions. The new screenings will cover messages for all formats and financial networks. The SWIFT Sanctions Screening began … Continue reading

Santander Enters Prepaid Card Market

Santander, a bank known for its subprime lending opportunities, is taking on a new role in the financial world. The Spanish banking giant is branching out in Brazil by taking over 50% of Super, a digital service provider offering online … Continue reading

Turkey Leads Europe in Credit Card Debt

According to a new study on European credit card debt, Turkey has the highest ratio of credit card debt when compared to total consumer debt. Much of this has to do with a lack of savings in the country. Approximately … Continue reading

Skypass Visa Offers Airlines Miles on a Secured Credit Card

Most secured credit cards are set up the same way: you deposit money into your account and this serves as the spending limit on the card. Then, you build your credit by making timely payments every month. This credit-building feature … Continue reading

New Facial Recognition App Could Replace Passwords

A new app developed for the selfie generation may end up becoming your most secure login information. Hoyos Labs has developed an application to address security concerns that uses biometric technology, so users can bypass usernames and passwords just by … Continue reading

PayPal App Now Compatible with All Major Mobile Platforms

The popular PayPal app has been on the market for several years, but it was mainly available on Android and iOS. The company recently announced on its blog that the app is now compatible with all major mobile platforms, including … Continue reading

Cardless Cash Withdrawals Now Possible with Smartphones at Select ATMs

Wintrust Bank is the first of an expected 1,600 banks that will soon be offering "cardless cash" withdrawals at their ATMs. Bank customers can pull out money from the ATMs with just their smartphones, taking the idea of "mobile banking" … Continue reading

Avoid Credit Card Theft with RFID-Blocking Blue Jeans

Credit card security is so concerning these days that a new pair of jeans has been developed to protect consumers from credit card theft. READY Jeans from Norton and Betabrands are designed with RFID-blocking fabric in the pockets. Radio Frequency Identification … Continue reading

Apple Pay Now Supporting 90% of U.S. Credit Cards

The mobile wallet Apple Pay has grown significantly since its launch in October, and is now supporting credit cards that account for 90% of annual credit card transactions in the United States. Many of the major credit card issuers worked with Apple … Continue reading

Google Adwords To Nix Credit Card Payments from Biggest Customers

Select Google Adwords users will no longer be able to pay their bills by credit card. Clients and advertising agents described as "Large Customer Sales" accounts will soon be switched to an invoicing process to cover their monthly charges. According … Continue reading

Credit Card Terminals Stop Working Due to Expired Certificates

Thousands of credit card terminals shut down earlier this month, but for once, it wasn't the result of a data breach. Payment terminals made by Hypercom were originally developed with a 10-year expiration date on their cryptographic certificates. Those certificates … Continue reading

Recent Stories & News

Visa Checkout Expands Mobile Wallet to More Worldwide Merchants

Visa Checkout Expands Mobile Wallet to More Worldwide Merchants

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Fuel Rewards Expand the Ways Consumers Save Money on Gas

Fuel Rewards Expand the Ways Consumers Save Money on Gas

Fuel Rewards is an innovative program designed to save people money on gas purchases they already ma[...]
Capital One Venture vs. Chase Sapphire Preferred

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Many frequent flier programs have become a source of frustration for consumers. Cardholders used to [...]
Apple Watch Makes Apple Pay Vulnerable to Theft

Apple Watch Makes Apple Pay Vulnerable to Theft

The newly released Apple Watch makes using the digital wallet Apple Pay extremely convenient, but a [...]
A Faster Way to Order and Pay for Your Food

A Faster Way to Order and Pay for Your Food

OpenTable, a mobile payments platform that allows diners to pay for their meals before the check arr[...]
Top 5 Cards For Bad Credit With No Deposit

Top 5 Cards For Bad Credit With No Deposit

Do you have bad credit? Then you know it is very hard to qualify for a credit card that is not a sec[...]
MasterCard Send, A New Digitial Payment Service

MasterCard Send, A New Digitial Payment Service

MasterCard is aiming to change the way people transfer money between debit cards, thanks to its new [...]