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

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

Credit Card Knives Pose New Threats to Airport Security

The TSA is now being confronted with a new challenge in the battle to keep our airports secure: credit card knives. The small knife folds down into the shape of a standard credit card which easily fits into your wallet. … Continue reading

Restaurant Payment App Gets $5.5 Million in Funding

The Cover app, which allows you to eat and run and then pay by a smartphone app, recently raised $5.5 million for its development. The company managed to raise a Series A round led by Spark Capital. Cover works a … Continue reading

ACE Cash Express Ordered to Pay $10 Million for Bullying Payday Borrowers

The Consumer Federal Protection Bureau has ordered one of the country's largest payday lenders, ACE Cash Express, to pay $10 million in fines and refunds for bullying their customers to make their monthly loan payments. Consumers have reported that ACE … Continue reading

Back to School Offer Gives Students $100 Apple Gift Card

To prepare for the upcoming school year, Apple is offering $50 or $100 gift cards to students and teachers who make purchases at their stores. The gift cards can be used for future purchases at Apple stores, which guarantees business for the … Continue reading

Visa And MasterCard Can No Longer Block Russian Clients

A new law that went into effect in Russia on July 1st no longer allows Visa or MasterCard to block Russian clients from using their credit cards. This ruling is the result of a new national payment system that ensures … Continue reading

Scan Credit Cards into Google Play to Pay for Apps

Google Play is getting a major makeover when its 5.0 version comes out. Among the many features to be added to the program, Google will now allow you to scan credit cards into your phone to pay for apps you want … Continue reading

Paying Off Credit Card Debt–A Great “Investment” You Can Make

We all know that investing money is a good idea because it typically grows over time, leading to long-term profits. When someone says "investments," we usually think of stocks, bonds and mutual funds. Paying off your credit card debt may … Continue reading

Common Ways Thieves Steal Your Identity (And How You Can Prevent Them)

If you are worried about thieves trying to steal your identity, there are a variety of steps you can take to protect your personal data and critical information. There are a plethora of different technologies you can buy to keep … Continue reading

World Cup Fans Spent $27 Million on Visa Cards in First 4 Days

Just four days into the 2014 FIFA World Cup in Brazil, Visa cardholders have already made $27 million in transactions. This is 73% more money than what was spent during the same four-day period in Brazil last year. U.S. travelers … Continue reading

What Is The Difference Between Chase Slate And Chase Freedom?

If you are searching for a credit card, you have two excellent choices with the Chase Freedom® and the Chase Slate® cards. Both cards have a number of perks you can use to your benefit, in addition to being great … Continue reading

Capital One Looking to Hire Bitcoin Expert

Credit card giant Capital One is currently seeking a Bitcoin savvy expert to give them insight into the influence the cryptocurrency may have on the financial world. While Bitcoin may not yet be considered a direct competitor for Capital One and … Continue reading

Teen Steals Credit Card to Rent $12 Million Vacation Home

A 19-year-old in California was charged with credit card fraud last week after he used a stolen card to rent a $12 million vacation home for $27,000. The teen also spent $13,000 renting a 2012 McLaren sports car worth $240,000. … Continue reading

Five New York Men Charged for Large-Scale Credit Card Scheme

Five men in New York are facing trial for aggravated identity theft and conspiracy to commit access device fraud stemming from a credit card scheme that spanned from April 2013 to April 2014. The five men in question bought the … Continue reading

Get Affordable Roadside Assistance from Your Credit Card Company

Did you know that many credit card companies offer discounts on roadside assistance? Indeed, a number of issuers may offer this service at lower prices than your local automobile club or car manufacturer. If you are ever in need of … Continue reading

Man Admits Role in $200 Million International Credit Card Fraud

A man from New York has officially confessed to his role in a $200 million credit card scandal that spread over several continents. Khawaja Ikram pled guilty in court to conspiracy to commit bank fraud. Ikram was originally charged in … Continue reading

Top 6 Credit Cards For Bad Credit

Most individuals with poor credit don’t have a lot of options when it comes to credit cards. In fact, most people with bad credit don’t even apply for a credit card for fear of being rejected. But that doesn’t have … Continue reading

Subway Worker Sues over Required Payroll Debit Card

Workers in nearly 30 Subway fast food restaurants in Texas are allegedly being forced to accept their pay through a payroll debit card, something that is illegal under federal law. One employee has filed a class action lawsuit against the … Continue reading

Do You Want A Lower Credit Card Interest Rate? Then Just Ask!

High Credit Card Rates Aren’t Fun Ask anyone that is in debt and they’ll tell you—high interest rates are not fun. When it comes to credit cards, interest rates can be significantly higher than other forms of debt, such as … Continue reading

PayPal Becomes Payment Option for Google Play Store

Smartphone consumers who do not wish to pay for Android apps with their credit cards can now use PayPal instead. PayPal is considered one of the most trusted ways to pay for items online, and now it has teamed up with … Continue reading

BillGuard App Alerts Credit Card Users of Data Breaches

Want to know about a potential credit card breach before the news hits the mainstream media? A new app for Android users may allow you to do just that. It's called BillGuard, and it is designed to alert you of … Continue reading

Wells Fargo to Launch Two Credit Cards for Big Spenders

Wells Fargo is looking to attract a more affluent customer base by launching two new credit cards. The cards are designed for current Wells Fargo customers who are heavy spenders or who travel often. Propel World and Propel 365 offer a … Continue reading

Thief Steals Credit Card from Police Officer–And Gets Away

If you are going to steal a credit card, you may not want to take one from a law enforcement officer. But that did not stop a drunk Johnny Anthony Cervantes. According to surveillance video, Cervantes took a female officer's … Continue reading

Chase Launches New Business Rewards Credit Card

Frequent Marriott visitors may now have a new incentive to book their rooms. Chase Card Services launched a new Marriott Rewards Premier Visa Signature Business Credit Card, which gives small business owners a chance to earn accelerated Marriott Rewards points … Continue reading

Card-Free ATMs Coming to Australia

Australian banks are taking a new spin on ATM technology by offering ATMs that do not require a debit or credit card. Within the coming months, cardholders across the continent will be able to pull money out of an ATM simply … Continue reading

Declined Transactions Hurting Revenue from Online Gambling in New Jersey

New Jersey voters approved online gambling in November, and it seems to have gone over well with a majority of the state's residents. Governor Chris Christie originally estimated that the gambling industry would bring in $1 billion in revenue for … Continue reading

Orbitz Launches Visa Cash Back Rewards Card

Travel site Orbitz has introduced its own cash back Visa card. This is similar to the Travelocity card from American Express or the Expedia card from Citi Bank. The Orbitz card offers cardholders cash back, not rewards points. Technically, users … Continue reading

Sun Country Airlines Launching Frequent Fliers Card

In an effort to stay up with the competition, Sun Country Airlines is boosting its Ufly frequent flier program with a Visa card. The card is expected to help regular travelers save money on their flights by earning rewards. The … Continue reading

Wallaby’s Chrome Extension Recommends Credit Cards for Online Shopping

Wallaby's credit card rewards optimization program has now made its way to Google Chrome. The company has developed an extension that tells consumers which credit card to use when shopping online so the rewards are maximized. The extension works by … Continue reading

“God” Sues Equifax for Glitch in Credit Score

A man by the name of God Gazarov is suing Equifax for displaying that he has no financial history because the credit reporting agency's system will not accept his name--God. Despite the fact that he has a score over 720 with … Continue reading

Prepaid Card for Bitcoins Introduced

Bitcoin enthusiasts may have a new way to get access to their favorite digital currency. A company called Prepaid Bitcoin has developed a new product--a prepaid card for Bitcoins. The new card allows users to pay for Bitcoins in four … Continue reading

PayPal Here Redesigned to Accept Chip-and-PIN Credit Cards in Australia

PayPal Here is a mobile app and bluetooth device which allows small businesses in Australia to accept credit cards on their smartphones. The new model is designed to work with chip and PIN cards. Users will not have to plug … Continue reading

Walmart Sues Visa for $5 Billion over Interchange Fees

Walmart is suing Visa for $5 billion over credit card swipe fees they believe the credit card processor illegally inflated. The complaint was filed with the U.S. District Court for the Western District of Arkansas. You may remember a similar suit … Continue reading

Global Payments Teams up with MasterPass

The international payment processing provider Global Payments Inc. is now working with MasterPass for digital payments. The company believes that this partnership could take their services to an entirely new level, allowing them to make their way into online sales. "Online … Continue reading

Investigation Continues into Possible Credit Card Breach at California DMV

The California Department of Motor Vehicles continues to investigate a possible debit and credit card breach which may have taken place on online transactions between August 2013 and January 2014. The DMV believes that there may have been security problems … Continue reading

Retailers Feeling Pressure of 2015 Chip and PIN Deadline

October 2015 may seem like a date far off in the future, but it is too close for retailers needing to upgrade their card payment processors. Merchants who fail to complete the transition before the deadline will be held responsible … Continue reading

Chase Bank Accused of Robo-Signing Credit Card Collections

Robo-signing exploded onto the news during the housing crisis when banks were accused of automatically signing default papers without properly reviewing them. Now, the robo-signing controversy is spilling over to another financial product--credit cards. A consumer, Ruth Moya of Miami, … Continue reading

Expiration Dates Dropped on Some Store Credit Cards

Some private-label credit cards, like those issued by Macy's, may be dropping their expiration dates in the coming years. Expiration dates on bank-issued credit cards are used for several reasons. Some issuers take this as an opportunity to review a … Continue reading

Recent Stories & News

Data Breach at Dairy Queen

Data Breach at Dairy Queen

August 29th, 2014

Last week, the Department of Homeland Security issued an advisory that estimated more than 1,000 bus[...]

LowCards.com Weekly Credit Card Update–August 29, 2014

LowCards.com Weekly Credit Card Update–August 29, 2014

August 29th, 2014

U.S. Late Payment Rate on Credit Cards is at the Lowest Level in Seven Years Americans are doing a [...]

Gold Dealer Now Takes Bitcoin Instead of Credit Cards

Gold Dealer Now Takes Bitcoin Instead of Credit Cards

August 28th, 2014

In an effort to prevent credit card fraud on the sale of gold, the owner of Agora Commodities has de[...]

5 Credit Score Blunders Even Savvy People Make

5 Credit Score Blunders Even Savvy People Make

August 28th, 2014

Maintaining your credit score requires careful money management and attention to detail. Even the sm[...]

The LowCards.com Weekly Credit Card Rate Report for August 28, 2014

The LowCards.com Weekly Credit Card Rate Report for August 28, 2014

August 28th, 2014

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

Coin to Issue 10,000 Beta Cards This Fall

Coin to Issue 10,000 Beta Cards This Fall

August 27th, 2014

The highly anticipated Coin card will be placed into the hands of 10,000 additional beta testers thi[...]

Do Credit Cards Get Cancelled If Not Used?

Do Credit Cards Get Cancelled If Not Used?

August 27th, 2014

Are you worried your credit card may get cancelled if it just sits in your wallet? After all, it doe[...]

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