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	<title>Blonch &#187; Credit Card Debt</title>
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	<description>Personal Finance Topics that matter to you</description>
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		<title>CARD Act &#8211; New Credit Rules Starting to Phase In</title>
		<link>http://www.blonch.com/credit-card-debt/card-act-new-credit-rules/</link>
		<comments>http://www.blonch.com/credit-card-debt/card-act-new-credit-rules/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 16:43:38 +0000</pubDate>
		<dc:creator>PecosJack</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[45 days notice]]></category>
		<category><![CDATA[advance notice]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[consumer rights]]></category>
		<category><![CDATA[Credit Card Accountability]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility and Disclosure Act of 2009]]></category>
		<category><![CDATA[credit card notice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[due dates]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[notice]]></category>
		<category><![CDATA[notice of future rate increases]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[payment due]]></category>
		<category><![CDATA[payment due dates]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[rate increases]]></category>
		<category><![CDATA[Responsibility and Disclosure Act of 2009]]></category>

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		<description><![CDATA[The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 puts more restrictions on credit card lenders and their practices. Most of the provisions aren't effective until February. 22, 2010, but two take effect this week: ...]]></description>
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		<title>Seven Cost Cutting Secrets</title>
		<link>http://www.blonch.com/credit-card-debt/seven-cost-cutting-secrets/</link>
		<comments>http://www.blonch.com/credit-card-debt/seven-cost-cutting-secrets/#comments</comments>
		<pubDate>Fri, 07 Aug 2009 17:37:42 +0000</pubDate>
		<dc:creator>pigo</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[secret tips]]></category>

		<guid isPermaLink="false">http://www.blonch.com/?p=451</guid>
		<description><![CDATA[If you're struggling with your credit cards and trying to get out of debt and trying to get out from under it, one of the first things you'll need to do is get your spending under control. After all, lower spending leaves more money to pay off those credit cards. Here are some good tips for reducing your spending without sacrificing your family's comfort.]]></description>
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		<title>Free Credit Reports</title>
		<link>http://www.blonch.com/credit-card-debt/free-credit-reports/</link>
		<comments>http://www.blonch.com/credit-card-debt/free-credit-reports/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 21:04:04 +0000</pubDate>
		<dc:creator>PecosJack</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[Personal Bankruptcy]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blonch.com/?p=343</guid>
		<description><![CDATA[The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. You are also entitled to a free credit report under certain circumstances, such as when you are denied credit because of something in your credit report. You can order three free credit reports each year, but you don't have to order all three at the same time. If you order one from each of the three credit bureaus every four months, you can stay more current on what's in your credit accounts, without having to buy a service. If you are married, you can double up by ordering a report for you and for your spouse - that's six free credit reports per year - enough to order one every other month.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Lost or Stolen Credit Cards</title>
		<link>http://www.blonch.com/credit-card-debt/lost-or-stolen-credit-cards/</link>
		<comments>http://www.blonch.com/credit-card-debt/lost-or-stolen-credit-cards/#comments</comments>
		<pubDate>Fri, 03 Apr 2009 06:24:39 +0000</pubDate>
		<dc:creator>PecosJack</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loss protection]]></category>
		<category><![CDATA[lost credit card]]></category>
		<category><![CDATA[personal banking]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[reporting lost credit card]]></category>
		<category><![CDATA[stolen credit card]]></category>

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		<description><![CDATA[Limiting Your Financial Loss
People find it convenient to use credit and debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen, and limit your loss if you follow them.
Report the loss or theft of your credit cards [...]]]></description>
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		<title>Credit Card Loss Protection</title>
		<link>http://www.blonch.com/credit-card-debt/credit-card-loss-protection/</link>
		<comments>http://www.blonch.com/credit-card-debt/credit-card-loss-protection/#comments</comments>
		<pubDate>Fri, 27 Mar 2009 06:03:14 +0000</pubDate>
		<dc:creator>PecosJack</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit card loss]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[personal banking]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[protection]]></category>

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		<description><![CDATA[Just Say No!
Telemarketers call and say I need credit card loss protection insurance. They just need my approval and they will send out the free trial &#8211; no risk kit. Sometimes they offer the first year free, but the renewal payment is automatic. The &#8220;free kit&#8221; for credit card loss protection is a place for [...]]]></description>
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