Observers in the lending industry have estimated that there may be at least 50 million Americans who are not able to qualify for credit. These consumers are usually young, often members of the minority groups and unbanked…and they are faced with the long-standing dilemma of credit: how can I build my credit record if no one will give me any credit at all?

One of the answers offered by credit card companies...

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Shopping online with credit cards has been a dilemma for most people since the early days of the internet. While the internet has evolved and new and improved security measures have been taken to enhance safety, there are still regular cases where things go wrong. With the huge increase in online identity theft, no amount of caution is ever enough, and we must do all we can to protect ourselves and our personal information.

Naturally,...

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