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	<title>New Jersey 101.5 &#187; credit cards</title>
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	<link>http://nj1015.com</link>
	<description>New Jersey News</description>
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		<title>U.S. Consumers Cut Back on Credit Card Use</title>
		<link>http://nj1015.com/u-s-consumers-cut-back-on-credit-card-use/</link>
		<comments>http://nj1015.com/u-s-consumers-cut-back-on-credit-card-use/#comments</comments>
		<pubDate>Wed, 08 May 2013 04:56:07 +0000</pubDate>
		<dc:creator>Townsquare News Network</dc:creator>
				<category><![CDATA[Townsquare News National]]></category>
		<category><![CDATA[Townsquare News Network]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[njsyndicated]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=263311</guid>
		<description><![CDATA[Americans cut back on using their credit cards in March, suggesting many were reluctant to take on high-interest debt to make purchases. The Federal Reserve says consumer borrowing rose just $8 billion in March from February to a seasonally adjusted $2.81 trillion, the smallest increase in eight months. The gain was driven entirely by more [...]]]></description>
			<content:encoded><![CDATA[<p>Americans cut back on using their credit cards in March, suggesting many were reluctant to take on high-interest debt to make purchases.
<p class="more_act text"><a href="http://nj1015.com/u-s-consumers-cut-back-on-credit-card-use/" title="U.S. Consumers Cut Back on Credit Card Use">Read More</a><em>|</em><a href="http://nj1015.com/u-s-consumers-cut-back-on-credit-card-use/#comments_wrap" title="U.S. Consumers Cut Back on Credit Card Use">Comment</a></p>
]]></content:encoded>
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		<item>
		<title>Credit Card Delinquencies at a 19-Year Low [AUDIO]</title>
		<link>http://nj1015.com/credit-card-delinquencies-at-a-19-year-low/</link>
		<comments>http://nj1015.com/credit-card-delinquencies-at-a-19-year-low/#comments</comments>
		<pubDate>Wed, 03 Apr 2013 14:00:00 +0000</pubDate>
		<dc:creator>Joe Cutter</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=248098</guid>
		<description><![CDATA[Tighter restrictions and smarter consumers shake down to fewer credit card delinquencies these days, according to a new report. The American Bankers Association says the percent of credit card delinquencies right now is at its lowest level since 1994, perhaps reflecting some lessons learned during the recent economic downturn. Delinquencies in all three home-related categories [...]]]></description>
			<content:encoded><![CDATA[<p>Tighter restrictions and smarter consumers shake down to fewer credit card delinquencies these days, according to a new report.
<p class="more_act text"><a href="http://nj1015.com/credit-card-delinquencies-at-a-19-year-low/" title="Credit Card Delinquencies at a 19-Year Low [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/credit-card-delinquencies-at-a-19-year-low/#comments_wrap" title="Credit Card Delinquencies at a 19-Year Low [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://wac.450F.edgecastcdn.net/80450F/nj1015.com/files/2012/10/credit-cards.jpg" height="1848" width="3000" /><media:description xmlns:media="http://search.yahoo.com/mrss/">Jeff J. Mitchell, Getty Images</media:description>	</item>
		<item>
		<title>A Credit Score Without Credit Cards [AUDIO]</title>
		<link>http://nj1015.com/a-credit-score-without-credit-cards-audio/</link>
		<comments>http://nj1015.com/a-credit-score-without-credit-cards-audio/#comments</comments>
		<pubDate>Thu, 28 Mar 2013 13:00:52 +0000</pubDate>
		<dc:creator>Dino Flammia</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=245675</guid>
		<description><![CDATA[You could soon be earning a credit score, good or bad, without owning a credit card or mortgage. A recently-announced score model, used by a majority of credit card issuers and mortgage lenders, can measure a person&#8217;s creditworthiness based on things like rent and phone bills. VantageScore said their new system, set to kick in [...]]]></description>
			<content:encoded><![CDATA[<p>You could soon be earning a credit score, good or bad, without owning a credit card or mortgage.
<p class="more_act text"><a href="http://nj1015.com/a-credit-score-without-credit-cards-audio/" title="A Credit Score Without Credit Cards [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/a-credit-score-without-credit-cards-audio/#comments_wrap" title="A Credit Score Without Credit Cards [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Big Error At Major Credit Agencies, Report Says [AUDIO]</title>
		<link>http://nj1015.com/big-error-at-major-credit-agencies-report-says-audio/</link>
		<comments>http://nj1015.com/big-error-at-major-credit-agencies-report-says-audio/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 16:00:28 +0000</pubDate>
		<dc:creator>Joe Cutter</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=229255</guid>
		<description><![CDATA[The Fed says one in five consumer have an error on their credit report. Five percent had an error serious enough to lead them to pay more to borrow to finance a house or a car. The study looked at reports for 1,001 consumers issued by the three major agencies &#8212; Equifax, Experian and TransUnion. [...]]]></description>
			<content:encoded><![CDATA[<p>The Fed says one in five consumer have an error on their credit report. Five percent had an error serious enough to lead them to pay more to borrow to finance a house or a car.
<p class="more_act text"><a href="http://nj1015.com/big-error-at-major-credit-agencies-report-says-audio/" title="Big Error At Major Credit Agencies, Report Says [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/big-error-at-major-credit-agencies-report-says-audio/#comments_wrap" title="Big Error At Major Credit Agencies, Report Says [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://wac.450F.edgecastcdn.net/80450F/nj1015.com/files/2012/10/credit-cards.jpg" height="1848" width="3000" /><media:description xmlns:media="http://search.yahoo.com/mrss/">Jeff J. Mitchell, Getty Images</media:description>	</item>
		<item>
		<title>$200 Million Credit Card Crime Ring Busted</title>
		<link>http://nj1015.com/200-million-credit-card-crime-ring-busted/</link>
		<comments>http://nj1015.com/200-million-credit-card-crime-ring-busted/#comments</comments>
		<pubDate>Tue, 05 Feb 2013 18:36:33 +0000</pubDate>
		<dc:creator>David Matthau</dc:creator>
				<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[crime bust]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[NJ]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=226477</guid>
		<description><![CDATA[Federal agents in four states &#8211; including New Jersey – arrested 13 people today for allegedly creating thousands of phony identities that were used to steal more than $200 million in merchandise and cash. U.S. Attorney for New Jersey Paul Fishman says this is one of the largest credit card fraud schemes ever uncovered by [...]]]></description>
			<content:encoded><![CDATA[<p>Federal agents in four states - including New Jersey – arrested 13 people today for allegedly creating thousands of phony identities that were used to steal more than $200 million in merchandise and cash.
<p class="more_act text"><a href="http://nj1015.com/200-million-credit-card-crime-ring-busted/" title="$200 Million Credit Card Crime Ring Busted">Read More</a><em>|</em><a href="http://nj1015.com/200-million-credit-card-crime-ring-busted/#comments_wrap" title="$200 Million Credit Card Crime Ring Busted">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>A Measure To Block Credit Card Swipe Fees [AUDIO]</title>
		<link>http://nj1015.com/a-measure-to-block-credit-card-swipe-fees-audio/</link>
		<comments>http://nj1015.com/a-measure-to-block-credit-card-swipe-fees-audio/#comments</comments>
		<pubDate>Tue, 05 Feb 2013 10:38:25 +0000</pubDate>
		<dc:creator>David Matthau</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit card swipe fees]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[political]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=226207</guid>
		<description><![CDATA[A measure is advancing in Trenton that would stop merchants from adding a swipe fee when you purchase something with a credit card. One of the sponsors of the bill, State Senator Nia Gill, says the legislation stipulates, &#8220;You really can&#8217;t put a surcharge &#8211; another swiping fee- on a fee that actually has been [...]]]></description>
			<content:encoded><![CDATA[<p>A measure is advancing in Trenton that would stop merchants from adding a swipe fee when you purchase something with a credit card.
<p class="more_act text"><a href="http://nj1015.com/a-measure-to-block-credit-card-swipe-fees-audio/" title="A Measure To Block Credit Card Swipe Fees [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/a-measure-to-block-credit-card-swipe-fees-audio/#comments_wrap" title="A Measure To Block Credit Card Swipe Fees [AUDIO]">Comment</a></p>
]]></content:encoded>
			<wfw:commentRss>http://nj1015.com/a-measure-to-block-credit-card-swipe-fees-audio/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Will You Stop Using Your Credit Card Because of Swipe Fees? [POLL]</title>
		<link>http://nj1015.com/will-you-stop-using-your-credit-card-because-of-swipe-fees-poll/</link>
		<comments>http://nj1015.com/will-you-stop-using-your-credit-card-because-of-swipe-fees-poll/#comments</comments>
		<pubDate>Mon, 28 Jan 2013 20:03:22 +0000</pubDate>
		<dc:creator>Ray Rossi</dc:creator>
				<category><![CDATA[Late Show with Ray Rossi]]></category>
		<category><![CDATA[Opinion]]></category>
		<category><![CDATA[Polls]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=222015</guid>
		<description><![CDATA[Now that merchants can tag an extra fee on top of a purchase you make with a credit card, all due to a class action settlement last July between credit card companies, banks and merchants…do you feel it’s best just to buy with cash, or pay by check? Me…no! I’d just be more aware of [...]]]></description>
			<content:encoded><![CDATA[<p>Now that merchants can tag an extra fee on top of a purchase you make with a credit card, all due to a class action settlement last July between credit card companies, banks and merchants…do you feel it’s best just to buy with cash, or pay by check?</p>
<p>Me…no!</p>
<p>I’d just be more aware of who tacks on the extra fee and who doesn’t
<p class="more_act text"><a href="http://nj1015.com/will-you-stop-using-your-credit-card-because-of-swipe-fees-poll/" title="Will You Stop Using Your Credit Card Because of Swipe Fees? [POLL]">Read More</a><em>|</em><a href="http://nj1015.com/will-you-stop-using-your-credit-card-because-of-swipe-fees-poll/#comments_wrap" title="Will You Stop Using Your Credit Card Because of Swipe Fees? [POLL]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Young Adults Struggle With Credit Card Debt [AUDIO]</title>
		<link>http://nj1015.com/young-adults-struggle-with-credit-card-debt-audio/</link>
		<comments>http://nj1015.com/young-adults-struggle-with-credit-card-debt-audio/#comments</comments>
		<pubDate>Tue, 22 Jan 2013 10:17:25 +0000</pubDate>
		<dc:creator>Joe Cutter</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=219151</guid>
		<description><![CDATA[A new study shows those in their 20&#8242;s and 30&#8242;s are racking up credit card debt at a higher rate than older consumers. Researchers took a look at credit card debt of 20 and 30-somethings, using data from 1997 to 2009. They found that they had more debt than their parents and are repaying it [...]]]></description>
			<content:encoded><![CDATA[<p>A new study shows those in their 20's and 30's are racking up credit card debt at a higher rate than older consumers.
<p class="more_act text"><a href="http://nj1015.com/young-adults-struggle-with-credit-card-debt-audio/" title="Young Adults Struggle With Credit Card Debt [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/young-adults-struggle-with-credit-card-debt-audio/#comments_wrap" title="Young Adults Struggle With Credit Card Debt [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Consumer Borrowing Hits Record High</title>
		<link>http://nj1015.com/consumer-borrowing-hits-record-high/</link>
		<comments>http://nj1015.com/consumer-borrowing-hits-record-high/#comments</comments>
		<pubDate>Fri, 07 Dec 2012 20:06:50 +0000</pubDate>
		<dc:creator>Townsquare News Network</dc:creator>
				<category><![CDATA[Townsquare News National]]></category>
		<category><![CDATA[Townsquare News Network]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[national]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=203166</guid>
		<description><![CDATA[Americans swiped their credit cards more often in October and borrowed more to attend school and buy cars. The increases drove U.S. consumer debt to an all-time high. The Federal Reserve says consumers increased their borrowing by $14.2 billion in October from September. Total borrowing rose to a record $2.75 trillion. Borrowing in the category [...]]]></description>
			<content:encoded><![CDATA[<p>Americans swiped their credit cards more often in October and borrowed more to attend school and buy cars.
<p class="more_act text"><a href="http://nj1015.com/consumer-borrowing-hits-record-high/" title="Consumer Borrowing Hits Record High">Read More</a><em>|</em><a href="http://nj1015.com/consumer-borrowing-hits-record-high/#comments_wrap" title="Consumer Borrowing Hits Record High">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Average Credit Card Debt Up</title>
		<link>http://nj1015.com/average-credit-card-debt-up/</link>
		<comments>http://nj1015.com/average-credit-card-debt-up/#comments</comments>
		<pubDate>Mon, 19 Nov 2012 18:08:25 +0000</pubDate>
		<dc:creator>Townsquare News Network</dc:creator>
				<category><![CDATA[Townsquare News National]]></category>
		<category><![CDATA[Townsquare News Network]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=195791</guid>
		<description><![CDATA[Americans cranked up their use of credit cards in the third quarter, racking up more debt than a year ago, while also being less diligent about making payments on time, an analysis of consumer-credit data shows. The average credit card debt per borrower in the U.S. grew 4.9 percent in the July-to-September period from a [...]]]></description>
			<content:encoded><![CDATA[<p>Americans cranked up their use of credit cards in the third quarter, racking up more debt than a year ago, while also being less diligent about making payments on time, an analysis of consumer-credit data shows.
<p class="more_act text"><a href="http://nj1015.com/average-credit-card-debt-up/" title="Average Credit Card Debt Up">Read More</a><em>|</em><a href="http://nj1015.com/average-credit-card-debt-up/#comments_wrap" title="Average Credit Card Debt Up">Comment</a></p>
]]></content:encoded>
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