Credit Cards

My friend is 24 and a young mother. She has never had a credit card and she wants to build her credit. Her income is somewhat limited at the moment because she has a new baby and only works part-time, but she wants to be able to pay for small daily expenses with a card that she can pay off in full every month. She is not seeking a large credit line. Even $100 would be sufficient. Can you provide some advice on what kind of card and where to start for someone looking to build good credit? Should she try prepaid credit cards? Any advice would be most sincerely appreciated. Esmeralda, Marlborough, MA

Peer-to-peer lending, also called social lending, is bringing together online individual lenders and individual borrowers for a fee. They cut out banks and other mainstream lenders. The innovation appears to be working.

The credit card business is settling down, and no, the sky didn't fall following the Credit Card Act of 2009.

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Where can I find reputable resources to help restructure credit card debt? Tom, Charlotte, NC

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Banking giant Citigroup is to become the first global bank to issue its own credit cards in China. Debit cards are much more common there.

We use a credit card to pay for all monthly expenses and then pay it off at the end of each month. My credit score fluctuates every quarter, depending on when the accounts are checked. My question is how can we convince the credit rating company that we do not carry any credit card debt from one month to the next? My score is currently at 749 but has been as high as 815. Thanks, I really enjoy your program. Randy, Macomb, IL