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

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

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

Recent Stories & News

42% of IT Decision Makers Aren't Moving on EMV Transition

42% of IT Decision Makers Aren't Moving on EMV Transition

Many businesses are not prepared for the upcoming October 1st deadline for processing chip-embedded [...]
Government Debates Protections for Data Breach Victims

Government Debates Protections for Data Breach Victims

After two data breaches that affected more than 22 million federal employees of the Office of Person[...]
Americans Overwhelmingly Support Payday Loan Regulations

Americans Overwhelmingly Support Payday Loan Regulations

New research from Pew Charitable Trusts shows that Americans overwhelmingly support the proposed pay[...]
Growth in European Card Fraud Fueled by Card-Not-Present Transactions

Growth in European Card Fraud Fueled by Card-Not-Present Transactions

According to the latest FICO report, card fraud in Europe only grew by 6% in 2014. A majority of thi[...]
PayPal Added to Subway's Mobile Payment Options

PayPal Added to Subway's Mobile Payment Options

Today, Subway announced an expansion of their mobile payment platform. Their 27,000 sandwich locatio[...]
Back-to-School Shoppers Still Very Cost-Conscious

Back-to-School Shoppers Still Very Cost-Conscious

According to the Synchrony Financial 2015 Back-To-School Shopping Study, parents and college student[...]
Discover Cuts Back Credit Card Travel Benefits on August 1

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 comp[...]