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

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

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

Recent Stories & News

LowCards.com Weekly Credit Card Update–October 31, 2014

LowCards.com Weekly Credit Card Update–October 31, 2014

October 31st, 2014

Some U.S. Retailers Shun Apple Pay, Eye Rival Payments System Some large U.S. retailers are refusin[...]

10 Reasons Why Apple Pay is Far Superior to CurrentC

10 Reasons Why Apple Pay is Far Superior to CurrentC

October 30th, 2014

Apple Pay was introduced just 10 days ago, but one thing is becoming very apparent: Apple Pay is far[...]

China Will Allow Foreign Companies to Process Credit Card Payments

China Will Allow Foreign Companies to Process Credit Card Payments

October 30th, 2014

For the first time, China may be giving foreign companies the opportunity to process credit card pay[...]

The LowCards.com Weekly Credit Card Rate Report for October 30, 2014

The LowCards.com Weekly Credit Card Rate Report for October 30, 2014

October 30th, 2014

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

Startup Poynt Modernizes Traditional Credit Card Terminal

Startup Poynt Modernizes Traditional Credit Card Terminal

October 30th, 2014

While some companies like Square try to change the way credit card transactions are processed, a new[...]

UK Credit Card Issuers Show Little Knowledge of Consumer Credit Act

UK Credit Card Issuers Show Little Knowledge of Consumer Credit Act

October 29th, 2014

A consumer group's research has found that credit card issuers in the UK have little knowledge of a [...]

Many Americans Fail to Protect Themselves from Identity Theft

Many Americans Fail to Protect Themselves from Identity Theft

October 29th, 2014

A new report from AARP shows Americans are not taking the proper steps to protect themselves from id[...]