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

Dow Jones the Latest Victim of Data Breach

Last Friday, Dow Jones & Co. announced that hackers had accessed the payment card and contact information for approximately 3,500 current and former subscribers. Dow Jones, owner of The Wall Street Journal, MarketWatch and Barron's, said the hackers sought this … Continue reading

New Credit Card Earns Free Nights at Any Hotel

Yesterday, Stash Hotel Rewards and Synchrony Financial launched the Stash Hotel Rewards Visa Card. Stash Hotel Rewards, an independent hotel rewards program, lets members earn points for staying at one of over 150 independent hotels in 100 U.S. cities. Currently, loyalty … Continue reading

The Container Store to Introduce Private Label Credit Card

Starting in Spring 2016, The Container Store customers will introduce a private label credit card through Synchrony Financial. The multi-year agreement between Synchrony Financial and The Container Store, a retailer devoted to storage organization and products, will give customers the … Continue reading

Louisiana Ends Tax Refunds on Prepaid Debit Cards

As of last week, taxpayers in Louisiana can no longer receive their tax refunds on prepaid debit cards. Refunds will still be available through check and direct deposit, but the prepaid program, known as Louisiana MyRefund Prepaid Debit Cards, is officially over. … Continue reading

Federal Court Okays New York Ban on Credit Card Surcharges

Last week, a Federal appeals court ruled it was constitutional for the state of New York to prohibit merchants from passing along credit card fees to their customers. The 2nd U.S. Circuit Court of Appeals voted 3-0 to reverse a … Continue reading

Sam’s Club Begins Accepting American Express Cards

Today, Sam's Club began accepting American Express cards in its chain of warehouse retail stores. American Express is also making a limited time offer to eligible cardholders for use at Sam's Club locations. For the month of October, American Express … Continue reading

Samsung Pay Available on TSYS Terminals

On Monday, TSYS, a credit card processing company, announced it would accept Samsung Pay, allowing their clients and merchants the ability to offer and accept mobile payments using nearly any terminal where you can swipe or tap your card. To use this … Continue reading

Barclays and Verifone Team Up to Simplify Mobile Payments

On September 23, Barclays announced it would be partnering with Verifone to improve mobile commerce transactions. Retailers using Verifone’s m-commerce gateway will now be able to join the 70,000 businesses that are already using Barclays Pingit app. Consumers will be able … Continue reading

Alliance Data to Manage Toyota Co-Branded Credit Cards

Last week, the card service company Alliance Data Systems Corporation was selected by the Toyota Motor Corporation to manage the company's existing co-branded credit card program. Under the new agreement, Alliance Data will provide marketing services for Toyota and Lexus's … Continue reading

United Airlines, Visa and Chase Negotiate a New Deal

Last week, Chase, Visa and United Airlines announced the companies would renew their partnership and extend the United MileagePlus credit card program. The three businesses have been partnered for more than 20 years. Under this renewal, United Airlines, which operates nearly … Continue reading

Lawsuit Against Target Gains Class Action Status

Yesterday, U.S. District Court Judge Paul A. Magnuson ruled against Target’s claim that the lawsuit against them should not gain class action status. Financial institutions filed the suit due to a December 2013 security breach, when hackers gained access to … Continue reading

Apple Pay to Accept Discover Cards Beginning Wednesday

Starting this Wednesday, September 19th, Apple Pay will be accepting Discover cards on its mobile wallet. Discover It cardholders will soon be able to pay for transactions with their phones, thanks to the near field communications technology that makes Apple … Continue reading

Sam’s Club to Accept American Express Cards

Starting October 1, Sam's Club will begin accepting American Express cards in its national chain of bulk retail stores. Sam's Club, a division of Walmart, will also accept the AmEx Bluebird Prepaid Cards. These cards have been sold in Walmart … Continue reading

Free EMV Card Readers Available for Small Businesses

Small businesses enrolled in the MasterCard Easy Savings program may now receive a free EMV card reader, courtesy of ShopKeep. The new partnership also gives small business owners a 20% discount on point-of-sale hardware, including cash drawers, printers and other … Continue reading

Jewel Osco Payment Glitch Causes Double Charges

The grocery chain, Jewel Osco, recently reported a payment glitch resulting in double charges for some customers on their debit cards. The company has not released details about the number of customers affected by the problem, but if you have … Continue reading

Klarna Streamlines Online Payment Processing in the U.S.

Shoppers in the United States may soon have a new way to pay for their online purchases. Last week, a Swedish-based company called Klarna joined forces with OverStock.com to allow shoppers to buy items without any upfront money or card … Continue reading

eBay Sellers Can No Longer Process Payments Through PayPal Rivals

PayPal and eBay may have split ways, but that doesn't mean they will no longer be affiliated with one another. As part of their breakoff agreement, eBay promised to process at least 80% of its payments through PayPal. Now, the … Continue reading

Smart Vending Machines Will Become the Norm

Mobile payments are no longer reserved for restaurants and retailers. Through recent technological innovations, smart vending machines are making their way across the country. Vending machines are becoming just as cashless as the rest of society. Many units now come equipped … Continue reading

Samsung Will Take Apple to the Supreme Court

In the battle of Apple vs. Samsung, Apple has been the aggressor in legal cases for the past three years. Now, however, it appears as though Samsung is taking a stab at Apple, and they're taking it all the way … Continue reading

PayPal Acquires Modest Mobile Commerce Startup

In its first big transaction after cutting ties with eBay, PayPal has acquired mobile commerce startup Modest for an undisclosed amount of money. Modest provides innovative mobile solutions for merchants and retailers, including the ability to incorporate a buy button … Continue reading

Perk Plastik Prepaid Loyalty Card Introduced

Mobile rewards provider Perk.com has joined forces with Discover to provide a prepaid loyalty card for shoppers in America. The Perk Plastik card allows users to earn "Perk Points," which can be converted into money that users can apply to … Continue reading

Rite Aid Stores Now Accepting Mobile Payments

After rejecting the idea of mobile payments, the national drug store chain Rite Aid announced it is now accepting Apple Pay, Google Wallet and the upcoming Android Pay as of this past Saturday, August 15. The change most likely came from … Continue reading

Carphone Warehouse Data Breach Affects 2.4 Million British Customers

British cellphone retailer Carphone Warehouse recently suffered a data breach that could impact up to 2.4 million customers in the United Kingdom. Of those 2.4 million, as many as 90,000 people may have had their encrypted credit card information stolen in … Continue reading

Back to School Spending Up 8% This Year

Parents plan to spend an average of $1,239 on school supplies in 2015, an increase of 8% from last year and 24% since 2011, according to the latest American Express Spending & Saving Tracker. Two important factors in this spending increase … Continue reading

Hackers Turn Square Card Reader into Portable Skimmer

Credit card thieves may now have an easier way to steal card numbers, thanks to a hacking opportunity that was uncovered on the Square portable card reader. The hack essentially turns off the encryption settings on the reader, allowing users … Continue reading

Universal Payment Processor Introduced for Small Businesses

Springboard Retail and Heartland Payment Systems have partnered to provide small businesses with an easy way to accept payments across all platforms, including mobile wallets and EMV cards. Springboard Retail is a cloud-based retail management and point-of-sale platform, and Heartland … Continue reading

Government Debates Protections for Data Breach Victims

After two data breaches that affected more than 22 million federal employees of the Office of Personnel Management, government officials are fighting to get prolonged credit monitoring for current and retired workers. Representative Steny Hoyer, a Democrat from Maryland and … Continue reading

Back-to-School Shoppers Still Very Cost-Conscious

According to the Synchrony Financial 2015 Back-To-School Shopping Study, parents and college students are actively searching for the best deals on school supplies, despite being confident about their finances for the upcoming school year. Value is the most important factor … Continue reading

Discover Cuts Back Credit Card Travel Benefits on August 1

Discover cardholders will have a little less to smile about on August 1st, when the credit card company discontinues some of its travel benefits. Specifically, Discover will no longer offer 24/7 travel assistance, emergency roadside assistance and baggage delay insurance. … Continue reading

Prepaid Mobile NFC Payments to be Introduced

Prepaid card provider InComm and digital security firm Gemalto plan to team up to provide NFC enabled prepaid cards in the near future. The partnership will allow prepaid cards to work through mobile technology to create a contactless payment solution, … Continue reading

Apple Patent Targets Ads Based on Credit Card Balance

Apple may soon be taking personalized ads to a whole new level if its pending patent application gets approved. The application outlines the possibility for Apple to check your credit card balance in order to push ads your way that … Continue reading

CVS Online Photo Investigates Potential Data Breach

Just days after Walmart Canada shut down its online photo center for a data breach, CVS began investigating a potential data breach for its online photo service. CVS has shut down its platform as it looks into possible credit and … Continue reading

AliPay App Gets a New Name and a Big Upgrade

The AliPay mobile app, formerly AliPay Wallet, is now known as AliPay 9.0 and has been designed to improve the experience that over 400 million annual subscribers in China receive through the online payment system. AliPay 9.0 includes a reformatted interface designed … Continue reading

Data Breach at FireKeepers Casino; 85,000 Cards at Risk

After two months of investigation, FireKeepers Casino and Hotel in Michigan has confirmed a data breach on their computer systems and payment card processors. The company began its investigation in May, and has now verified that a breach did occur … Continue reading

American Express Opens New Executive Lounge in Seattle

American Express Platinum and Centurion cardholders now have a new way to relax while traveling, thanks to the launch of the Centurion Studio at Seattle-Tacoma International Airport. The studio is part of the The Centurion Lounge network, and is the … Continue reading

Macy’s Severs Ties with Trump, Supporters Cut Up Credit Cards

In response to Donald Trump's controversial remarks about immigrants from Mexico, Macy's has decided to pull his clothing line off their shelves. "We are disappointed and distressed by recent remarks about immigrants from Mexico," Macy's said in a statement. "In … Continue reading

Delaware Bank Launches Card-Free ATM Machine

WSFS Bank, a small financial institution in Wilmington, Delaware, has launched a new ATM that does not require a card or PIN to access. The machine could mark a new standard in ATM banking as more consumers seek out mobile … Continue reading

Most Americans Want More Information about Data Breaches

A staggering number of American consumers want to know more about data breaches than what companies have provided them, according to new research from the Zix Corporation. 84% of Americans said the best way for retailers to maintain consumer trust … Continue reading

Half of Americans Use Mobile Banking App at Work

Over half of Americans (54%) use mobile banking apps at work, and 1 in 10 have used it while in a client meeting, according to a new survey from Chase. The study found that mobile banking app usage has increased … Continue reading

Post Office Financial Services Could Benefit 68 Million Unbanked Americans

Unbanked and underbanked Americans may soon be headed to the post office to cash their checks. The U.S. Postal service is pushing to bring budget-friendly banking services to your local post office. USPS already offers some financial services, such as … Continue reading

First Data and BofA Launch Clover Mini POS for Small Businesses

Bank of America Merchant Services, in partnership with First Data Corporation, has launched the Clover Mini point of sale system for small businesses, complete with EMV card processing technology. This terminal is an expansion of the bank's already successful line … Continue reading

Synchrony Financial to Launch Personalized Discounts to Boost Retail Sales

In September, Synchrony Financial plans to launch the Next Best Offer platform to help merchants sell more product to their customers. The program is designed to promote discounts and special offers to consumers based on their shopping habits with the goal … Continue reading

Bank of America Simplifies AmEx OptBlue for Small Businesses

Bank of America Merchant Services is participating in AmEx OptBlue to give small businesses a simpler way to process American Express transactions. Bank of America Merchant Services is a payment platform that allows users to accept and process most major … Continue reading

PayPal Cuts Grandfathered Rewards Program to 1% Cashback

Longstanding users of the PayPal Business Debit MasterCard won't be seeing as much cash back on their cards in the future. Starting July 1st, all PayPal business debit cardholders who were grandfathered in with 1.5% cashback will be dropped to … Continue reading

PayPal Gets Backlash for Calling Feature in New User Agreement

PayPal is receiving a number of complaints about its updated user agreement, scheduled to go into effect July 1st. The new user agreement outlines a policy allowing PayPal to call or text users for a variety of reasons, including surveys, … Continue reading

Swatch Creating Smartwatch Designed for Mobile Payments

Swatch, one of the largest watch makers in the world, is attempting to expand into a new category: smartwatches. While the company has not released pictures or official specs yet, it has confirmed that it is working on a smartwatch made specifically … Continue reading

Nordstrom Sells Credit Card Portfolio to TD Bank

Brand name clothing store Nordstrom has decided to sell its credit card portfolio to TD Bank Group, giving the Toronto-based bank exclusive rights to issue private label credit cards and branded Visa cards for its stores in the United States. … Continue reading

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

Recent Stories & News

Dow Jones the Latest Victim of Data Breach

Dow Jones the Latest Victim of Data Breach

Last Friday, Dow Jones & Co. announced that hackers had accessed the payment card and contact in[...]
Bank Fees Continue to Rise

Bank Fees Continue to Rise

Bank fees are increasing and the number of free checking accounts is decreasing, according to Bankra[...]
Cash Becoming Obsolete as Digital and Contactless Payments Increase

Cash Becoming Obsolete as Digital and Contactless Payments Increase

The world is quickly shifting to digital and contactless payments. According to the 2015 World Pa[...]
Chase Slate vs. Citi Double Cash

Chase Slate vs. Citi Double Cash

Shopping for a credit card can be an overwhelming experience. There are close to 1,000 credit cards [...]
LowCards.com Weekly Credit Card Update–October 9, 2015

LowCards.com Weekly Credit Card Update–October 9, 2015

Expect More Online Fraud as New Credit Cards Arrive The new chip credit cards that shoppers are get[...]
Companies Not Doing Enough to Protect Consumer Information

Companies Not Doing Enough to Protect Consumer Information

Companies are not adequately protecting consumer information, according to a recent survey of privac[...]
New Credit Card Earns Free Nights at Any Hotel

New Credit Card Earns Free Nights at Any Hotel

Yesterday, Stash Hotel Rewards and Synchrony Financial launched the Stash Hotel Rewards Visa Card. [...]