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

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

eBay’s Close 5 Brings Local Selling to Another Level

When some people think about buying locally, they hop over to Craigslist and see what they can find. The problem with Craigslist is that a number of the deals are not trustworthy, and they have to be cash only. With … Continue reading

MasterCard to Enter Canada’s Debit Card Market in 2015

MasterCard recently announced it will be entering Canada's debit card market in 2015 in an effort to build its business outside of the United States. Rival Visa already operates in the Canadian debit card market, and it could face heavy … Continue reading

California May Have Power to Regulate Bitcoin

The California state government may have the ability to regulate Bitcoin and other digital currencies after reassessing their state laws. The state is debating whether to use this new-found power, and if it would benefit consumers. Currently, the government has … Continue reading

Apple Pay Stars in Its First Commercial

Apple Pay made its media premiere in a new commercial from Chase Bank. The commercial features indie band Bleachers using their Chase Freedom credit cards on the Apple Pay platform. Chase wanted to set themselves apart from other Apple Pay … Continue reading

Gen Y Shoppers Drawn to Retailers That Offer Financing Options

According to a recent study, 59% of Gen Y shoppers (adults aged 18-34) say they prefer to shop with retailers that offer financing options. Researchers estimate this generation of shoppers has a $200 billion annual spending power, which makes earning … Continue reading

Discover Enhances Cash Back Program

Discover has expanded its cash back rewards program just in time for the holidays. Discover cardholders can now cash in their rewards at any time, no matter how large or small they may be. In addition, the cash back bonuses … Continue reading

Seattle Parking Meters Swallow Credit Cards

Being able to pay a parking meter with a credit card is convenient--until the meter refuses to give back your card. That is the gamble that drivers in Seattle take these days, with meters swallowing an average of one card … Continue reading

Costco Could Replace American Express as U.S. Card Partner

After replacing American Express as its credit card provider in Canada, Costco is reportedly seeking bids from both a credit card issuer and a payment network for stores in the United States. In September, Costco Wholesale Canada announced their exclusive … Continue reading

Banks on Military Bases Need Greater Transparency for Troops

Many banks on military bases do not offer the protection or transparency soldiers need to make informed decisions about their finances, according to a new report from Pew Charitable Trusts. The study reveals a strong need for safe financial products … Continue reading

Troops Get Extra Time to Pay Off Government Travel Credit Cards

Military personnel going through a permanent change of station (PCS) may get a break on the monthly payment on their government travel credit cards. A new rule from the Department of Defense has created a special PCS status that saves … Continue reading

Online Bookstore Sourcebooks Suffers Data Breach

Most of the major data breaches that have occurred in the past year have taken place with transactions at store level, not with online purchases. But the latest breach goes against this trend. The shopping cart of Sourcebooks, the popular … Continue reading

Global Credit Card Transactions on the Rise

Global credit card transactions are on the rise, showing a 13% increase from 2012 to 2013. Approximately 205 billion transactions were made on credit cards last year, according to the RBR consulting firm in London. Over the same period, the … Continue reading

GameStop Increases Marketing Efforts for New Store Credit Card

In an effort to build a larger audience for its store credit card, GameStop recently began issuing pre-approved email offers to members of its PowerUp Rewards loyalty program. The emails are only being sent to select members who are likely … Continue reading

Data Breach at G.H. Bass Location

G.H. Bass & Company, a chain of nearly 150 shoe stores in 36 states, has suffered a data breach in one of their stores. The company reports their Orlando store has had credit card accounts compromised. One of the registers at … Continue reading

CFPB Keeps Data on Nearly 600 Million Credit Card Accounts

The Consumer Financial Protection Bureau is collecting sensitive financial data on close to 600 million credit card accounts but lacks adequate privacy and security plans to protect the information, according to a new report from the Government Accountability Office. “The … Continue reading

PayPal’s Independence Leaves a Questionable Future for eBay

For the longest time, eBay and PayPal have acted as a unit, with each one helping the other succeed and grow. However, eBay has now decided to allow PayPal to be its own, independent company, which has created a questionable … Continue reading

Pay Rent with a Credit Card, Thanks to New App

A new app known as RadPad allows users to pay rent with a credit card, even if the landlord does not accept credit card payments. For landlords who are signed up with RadPad, the app sends money from the tenants … Continue reading

Expedia Expands Loyalty Program With New Branded Credit Cards

Expedia now offers more rewards to its customers, thanks to two new MasterCards. These cards are designed to give customers more reason to travel using Expedia. The new credit cards are part of the company's effort to personalize its users' … Continue reading

Costco Canada Replaces American Express with Capital One

The credit card relationship between Costco Wholesale Canada and American Express will be ending at the end of this year. American Express was the only credit card company accepted at Costco in Canada. In an email sent to their customers … Continue reading

PayPal Will Accept Bitcoin Through Its Subsidiary

In an effort to adapt to the changing world of cryptocurrency, PayPal recently announced it will be accepting Bitcoin payments through its subsidiary company, Braintree. Merchants who already use Braintree to process their payments will also be able to accept … Continue reading

Young Adults at Highest Risk of Credit Card Fraud

New research from the Better Business Bureau indicates that young adults, age 18 to 24, are more at risk of credit card fraud than other generations of adults. This may be due to how willing young adults are to share … Continue reading

Square’s New Cash App May Cut Into PayPal’s Market Share

Square's new app known as Cash allows a user to send cash to anyone with a mobile phone number or email address. The app's other options could make Square a force in the mobile payment world, and pose a threat … Continue reading

Prepaid Card Users More Likely to Adopt Mobile Payments

A new study shows prepaid card users are more likely to adopt mobile payments in America. The study from Packaged Facts, "Prepaid and Gift Cards in the U.S., 4th Edition," indicates a growing need for developers to enhance their mobile platforms … Continue reading

Do Credit Cards Let You Go over the Credit Limit?

Every credit card comes with a credit limit--a virtual cap on the amount of money you can charge to the card. This limit is set based on your credit worthiness and the specific card you have. When an emergency situation … Continue reading

Amazon Hires Visa Boss to Expand Lending Division

Did you know that Amazon offers loans to its top sellers to help them expand their sales in the marketplace? If you didn't, you are not alone. This little-known division of Amazon was never announced through a press release or … Continue reading

Amex and Discover Top Credit Cards in Customer Satisfaction

Of all the credit card issuers in the United States, cardholders rated American Express and Discover as the top cards in customer satisfaction, according to a survey from J.D. Power. The survey measured credit cardholders satisfaction based on the following … Continue reading

Paytoo Expands Mobile Wallet to Offer Bill Pay

Fans of the Paytoo Mobile Wallet now have more reasons to log onto their favorite financial app. Paytoo announced they will be expanding their mobile wallet to offer bill pay services. Paytoo's target audience is unbanked and underbanked individuals who are … Continue reading

Malware in Target Breach Has Affected 1,000 Other Businesses

The data breach at Target late last year shattered consumer trust, and that confidence has been further eroded by numerous breaches throughout 2014. Just last week, two more companies, SuperValu and UPS Stores, reported significant breaches. But what is becoming … Continue reading

Shift Debit Card Combines Digital Currency, Loyalty Points and Cash

More Americans are beginning to embrace digital currencies such as Bitcoin. As these cryptocurrencies grow, consumers may be looking to loyalty points to get the most out of the money they are spending. A new debit card known as Shift … Continue reading

U.S. Bank Tests ID Scanning App

U.S. Bank is developing a new mobile app to verify the identity of their credit card applicants. The app will allow applicants to take a photo of their drivers license with their phone to instantly upload with the application. At … Continue reading

Restaurant Takes Credit Card Fees out of Server Tips to Battle Minimum Wage Increase

Minnesota recently raised its minimum wage to $8 an hour, which is $0.75 higher than the federal minimum wage. While this small increase has benefited employees, it has also led merchants to come up with ways to offset this cost … Continue reading

Thieves Using PayPal Prepaid Cards to Steal Products

A new form of debit card theft is emerging in the Washington, D.C. area, where thieves are using PayPal prepaid debit cards to steal items from stores. The thieves are targeting stores that accept offline transactions when a card has … Continue reading

Which States Have the Most Credit Card Debt?

The latest credit card debt statistics from Experian indicate that consumers in some states are starting to carry larger credit card balances once again, despite a slight improvement between 2012 and 2013. The average outstanding credit card debt in America … Continue reading

CFPB Now Accepting Complaints on Prepaid Cards and Gift Cards

The Consumer Financial Protection Bureau is now accepting complaints about gift cards, prepaid cards, benefit cards and general purpose reloadable cards. The bureau has also begun accepting complaints about other non-banked products, like credit repair services and title loans. Companies … Continue reading

Goodwill Investigating Possible Credit Card Data Breach

Goodwill Industries announced it is investigating a possible data breach in its thrift stores. The company is working closely with authorities to see if any credit card information was leaked during the potential security issue. Several banking institutions have been … Continue reading

How To Use A Chip And Pin Or EMV Credit Card

EMV cards are named for the credit card companies that developed the security system—EuroPay, MasterCard, and Visa. EMV cards are sometimes referred to as chip and pin cards. The great majority of credit cards issued in the United States operate … Continue reading

Credit Card Fraud on the Rise before EMV Switchover

With America on the verge of converting to EMV credit cards in the next few years, fraudsters are trying to get in on last-minute scams. This is particularly true for credit card thieves in Europe, who consider the unsecure American … Continue reading

Recent Stories & News

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

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

January 26th, 2015

True Link Financial has been working on a debit card solution for seniors that will help protect the[...]

Guard Against Identity Theft with Masked Credit Card Numbers from Blur

Guard Against Identity Theft with Masked Credit Card Numbers from Blur

January 26th, 2015

Worried about credit card thieves stealing your personal information? You may benefit from a credit [...]

LowCards.com Weekly Credit Card Update–January 23, 2015

LowCards.com Weekly Credit Card Update–January 23, 2015

January 23rd, 2015

More Than 90% of Data Breaches Could Have Been Avoided Nine out of 10 data breaches that occurred i[...]

SWIFT Sanctions Screening Now Covers All Financial Transaction Formats

SWIFT Sanctions Screening Now Covers All Financial Transaction Formats

January 22nd, 2015

The international financial-messaging network SWIFT recently announced that it is extending its Sanc[...]

Santander Enters Prepaid Card Market

Santander Enters Prepaid Card Market

January 22nd, 2015

Santander, a bank known for its subprime lending opportunities, is taking on a new role in the finan[...]

The LowCards.com Weekly Credit Card Rate Report for January 22, 2015

The LowCards.com Weekly Credit Card Rate Report for January 22, 2015

January 22nd, 2015

The LowCards.com Weekly Credit Card Rate Report is based on our Complete Credit Card Index which tra[...]

Amazon Abandons Its Mobile Wallet

Amazon Abandons Its Mobile Wallet

January 21st, 2015

Amazon Wallet, Amazon's entry into the growing mobile wallet industry, has been discontinued after o[...]