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	<title>Jane Bryant Quinn &#187; Credit Cards</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
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		<title>Huge New Email Breach: 8 Ways to Protect Yourself</title>
		<link>http://janebryantquinn.com/2011/04/huge-new-email-breach-8-ways-to-protect-yourself/</link>
		<comments>http://janebryantquinn.com/2011/04/huge-new-email-breach-8-ways-to-protect-yourself/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 03:21:36 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[cyber crime]]></category>
		<category><![CDATA[database]]></category>
		<category><![CDATA[email]]></category>
		<category><![CDATA[hacker]]></category>
		<category><![CDATA[online fraud]]></category>
		<category><![CDATA[privacy]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1622</guid>
		<description><![CDATA[Opt out of marketing data bases! Do it now! And don&#8217;t give out any personal  information in response to an email, even if it appears to come from your bank  or favorite store.
Another major hacker attack last week exposed the names and emails of  millions of consumers to cyber criminals &#8212; and [...]]]></description>
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		<title>Don&#8217;t lose your shirt in a divorce: 10 steps</title>
		<link>http://janebryantquinn.com/2011/04/dont-lose-your-shirt-in-a-divorce-10-steps/</link>
		<comments>http://janebryantquinn.com/2011/04/dont-lose-your-shirt-in-a-divorce-10-steps/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 10:07:25 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[divorce]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1602</guid>
		<description><![CDATA[Modern divorce is not about who was the meanest or who slept where. It&#8217;s about the money. Both spouse&#8217;s income and assets are &#8211; or should be &#8211; on the table. But couples don&#8217;t always know a lot about each other&#8217;s finances, or where to look. They might not even realize how much less they&#8217;re [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to beat &#8220;frugal fatigue&#8221;: 8 Ways to rightsize your life</title>
		<link>http://janebryantquinn.com/2011/03/how-to-beat-frugal-fatigue-8-ways-to-rightsize-your-life/</link>
		<comments>http://janebryantquinn.com/2011/03/how-to-beat-frugal-fatigue-8-ways-to-rightsize-your-life/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 21:53:15 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[downsize]]></category>
		<category><![CDATA[heallth insurance]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[National Foundation for Credit Counseling]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1575</guid>
		<description><![CDATA[Do you have &#8220;frugal fatigue?&#8221; You&#8217;re not alone. Pinching pennies becomes exhausting, year after year. You dream of breaking free and buying everything in sight.
But tiresome as budgets are, consumers haven&#8217;t quit them yet. You threw some money around in December, when credit card use bumped up for the first time since the 2008 financial [...]]]></description>
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		<title>How to avoid STD: &#8220;Sexually transmitted debt&#8221;</title>
		<link>http://janebryantquinn.com/2011/02/how-to-avoid-std-sexually-transmitted-debt/</link>
		<comments>http://janebryantquinn.com/2011/02/how-to-avoid-std-sexually-transmitted-debt/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 11:36:03 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[College]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1550</guid>
		<description><![CDATA[In marriage, what&#8217;s your biggest financial risk? That your spouse has a secret vice, and I don&#8217;t mean playing around with other partners. It&#8217;s STD in a different form &#8211; &#8220;sexually transmitted debt.&#8221; Your beloved might be hauling the burden of excess credit card spending or unpaid student loans that have grown from a molehill [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>4 Ways to Stay Out of Debt This Holiday Shopping Season</title>
		<link>http://janebryantquinn.com/2010/12/4-ways-to-stay-out-of-debt-this-holiday-shopping-season/</link>
		<comments>http://janebryantquinn.com/2010/12/4-ways-to-stay-out-of-debt-this-holiday-shopping-season/#comments</comments>
		<pubDate>Wed, 15 Dec 2010 17:23:07 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[consumer debt]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1459</guid>
		<description><![CDATA[If you froze your credit cards in a block of ice this Christmas season,  you&#8217;re part of a trend. The use of general cards such as Visa  and MasterCard dropped by 11 percent in the third quarter of this year, the  credit bureau TransUnion reports.  America&#8217;s Research Group found that, over the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Cards on Campus: How the Banks Get Around the Student-Protection Law</title>
		<link>http://janebryantquinn.com/2010/10/credit-cards-on-campus-how-the-banks-get-around-the-student-protection-law/</link>
		<comments>http://janebryantquinn.com/2010/10/credit-cards-on-campus-how-the-banks-get-around-the-student-protection-law/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 10:45:30 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[College]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[student credit cards]]></category>
		<category><![CDATA[student debt]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1358</guid>
		<description><![CDATA[So you thought your kids were safe from the scourge of credit card debt when you sent them away to college this year? Just because Congress passed a student-protection law?
Wake up to the real world. Credit card issuers found a glide path right through the law&#8217;s intent, thanks to their enablers at the Federal Reserve. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Credit card interest rates rise but that&#8217;s a good thing</title>
		<link>http://janebryantquinn.com/2010/08/bank-fees-will-fall-thanks-to-pro-consumer-reforms/</link>
		<comments>http://janebryantquinn.com/2010/08/bank-fees-will-fall-thanks-to-pro-consumer-reforms/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 18:39:42 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[credit card costs]]></category>
		<category><![CDATA[financial reform]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1317</guid>
		<description><![CDATA[I&#8217;m about to annoy you. You hate the fact that banks have been raising  interest rates on credit card balances. By the rules of competition, however,  the rise in visible costs will turn out to be a good thing. Fees you can see  will eventually go down.
You&#8217;ve been paying high costs for credit right along, [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Financial reform: a big win for consumers, a big loss for investors</title>
		<link>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/</link>
		<comments>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 10:00:56 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[auto dealers]]></category>
		<category><![CDATA[auto lending]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Sarbanes-Oxley]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1221</guid>
		<description><![CDATA[Consumers won. Banks lost. That summarizes the consumer piece of the financial reform bill.
On the other part of the bill that affects individuals, my verdict flips. Investors lost, Wall Street won.
Taking the consumer side first, color me thrilled that Congress created a potentially strong Bureau of Consumer Financial Protection. When President Obama proposed it last [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>More Strapped Consumers Are Protecting Their Credit Cards and Letting Their Houses Go</title>
		<link>http://janebryantquinn.com/2010/06/more-strapped-consumers-are-protecting-their-credit-cards-and-letting-their-houses-go/</link>
		<comments>http://janebryantquinn.com/2010/06/more-strapped-consumers-are-protecting-their-credit-cards-and-letting-their-houses-go/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 17:03:06 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[credit counseling service]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1204</guid>
		<description><![CDATA[If unemployment hits, which bills do you cover first? Traditionally, that would be food, utilities, transportation and housing. If you couldn’t stretch your income to cover credit card payments, you let them go.
Such thinking is so pre-2008. Since the real estate meltdown, growing numbers of straitened borrowers are changing their priorities. They’re protecting their credit [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/06/more-strapped-consumers-are-protecting-their-credit-cards-and-letting-their-houses-go/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Nuts to credit card over-limit fees</title>
		<link>http://janebryantquinn.com/2010/02/nuts-to-credit-card-over-limit-fees/</link>
		<comments>http://janebryantquinn.com/2010/02/nuts-to-credit-card-over-limit-fees/#comments</comments>
		<pubDate>Sat, 20 Feb 2010 23:49:07 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[over limit fees]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=902</guid>
		<description><![CDATA[New credit card rules take effect Monday, to block some of the banks’ most abusive practices. If you’re not careful, however, you might find yourself agreeing to be abused again. There will be campaigns to get you, voluntarily, to take one of the nastier fees back onto your account.
I’m talking about the over-limit fees that [...]]]></description>
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		<slash:comments>0</slash:comments>
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