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Bill Hardekopf

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It's a great time to take advantage of rewards offers and quickly earn some extra cash or miles.

Issuers sweeten the small-business pot with lucrative cash and mileage offers on credit cards.

The Midwest wins in a ranking of credit scores and Texas loses -- big time.

Startups and nontraditional banks are trying to capture customers with innovations, good rates and lower fees.

Swipe fee rules don't account for returned items, but merchants are unsure how to make up for it.

Credit card late payments and default rates continue to drop, and the Federal Reserve has pledged to keep interest rates at historic lows, but only a small percentage of banks have eased their lending standards on credit cards.

Regardless of what travel reward card you have, here are some tips on using them the best.

There were 17% fewer college-related credit cards issued in 2010, and 13% less revenue from them to schools.

When you have a problem with your credit card issuer, it is hard to find someone who can help.

Building financial security through all stages of life requires a plan and plenty of attention.