Amy Fontinelle

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  1. Term

    Closed Loop Card

    A credit card or gift card that a consumer can only use to make purchases from a single company.
  2. Term

    Advertising Injury Coverage

    A component of commercial general liability insurance that protects the policyholder against claims of stolen ideas, invasion of privacy, libel, slander and copyright infringement related to advertising. ...
  3. Term

    Surplus Lines Insurance

    A policy that protects against a financial risk that is too high for a regular insurance company to take on.
  4. Term

    Chip-And-PIN Card

    A credit card that contains data embedded in a microchip and requires the consumer to enter a personal identification number to complete the transaction.
  5. Term

    Bust-Out

    A type of credit card fraud where an individual maxes out the card with no intention of paying the bill.
  6. Term

    Authorized Transaction

    A credit card purchase for which the merchant has received approval from the bank that issued the customer’s credit card.
  7. Term

    NEXUS

    A Trusted Traveler Program that allows pre-screened U.S. and Canadian citizens to experience expedited border crossings into the United States and Canada.
  8. Term

    Global Entry

    A U.S. program giving pre-approved travelers a faster Customs and Border Protection process via kiosks at some U.S. airports and land or sea entry points.
  9. Personal Finance

    Trusted Traveler Programs: Which Is Right For You?

    Could one of the four U.S. government Trusted Traveler Programs make your next flight or border crossing easier? How to tell if joining is worth the cost.
  10. Credit & Loans

    Reverse Mortgages: How To Find A Good One

    Finding a reverse mortgage generally means using a lender that specializes in them. Here's how to find a reputable one.
  11. Term

    SENTRI

    This U.S. program grants pre-approved travelers access to a faster Customs and Border Protection process at land border crossings from Mexico into the U.S.
  12. Economics

    Janet Yellen Vs. Alan Greenspan: Who Is The Better Fed Head?

    We examine how these two histories Fed chairpeople differ and the impact of their views and actions on the world economy.
  13. Term

    Recurring Billing

    When a merchant automatically charges a cardholder for specified goods or services on a prearranged schedule.
  14. Term

    Credit Card Authentication

    The merchant’s process of making sure a customer’s credit card is valid.
  15. Term

    Personal Guarantee

    An individual’s legal promise to repay charges to a business credit card.
  16. Investing

    The Jolting Rise Of The Energy Drinks Industry

    We present a full analysis of the energy drink industry, including main players and emerging challengers.
  17. Term

    Opt Out Right

    A consumer’s authority under the 2009 Credit CARD Act to disagree with a credit card issuer’s proposed changes to interest rates or fees.
  18. Term

    Thin File

    A limited credit history which can make it difficult to get credit or get approved for a loan.
  19. Term

    FAKO Score

    A derogatory term for a credit score that is not one of the FICO scores lenders pull when deciding whether to approve a loan application or extend credit.
  20. Term

    Collection-Proof

    A debtor who doesn’t have any assets that a creditor can collect after winning a lawsuit that requires the debtor to pay.
  21. Term

    Zero Balance Card

    A credit card on which a consumer does not owe any money because he or she has paid any balances owed in full and has not made any new purchases.
  22. Term

    Upfront Pricing

    The interest rates and fees stated in a credit card agreement when the card is issued.
  23. Term

    UDAAP

    Misleading or harmful behaviors by those who offer financial products or services to consumers.
  24. Term

    Military Bank

    A financial institution that offers services tailored to members of the military.
  25. Term

    Judgment Proof

    Someone who doesn’t have enough assets for a creditor to seize when a court order requires debt repayment.
  26. Savings

    How To Make Money With Airbnb: Risks & Rewards

    Airbnb lets you turn your home or spare room into extra cash. Here's how to make money and protect yourself from the risks.
  27. Home & Auto

    Real Estate Face-Off: Zillow Vs. Trulia

    Both websites help you find homes for sale, but they organize the information differently. Here's how they compare.
  28. Term

    Credit Muling

    Acquiring and delivering items fraudulently obtained using credit.
  29. Term

    Direct Mail

    A credit card offer targeted at a specific consumer and sent through the mail.
  30. Term

    Earnings Withholding Order

    A legal document issued by a court stating that an employer is required to garnish an employee’s wages because a creditor has obtained a judgment against the employee.
  31. Term

    Dormancy Fee

    A penalty charged by a credit card issuer to a cardholder’s account for not using the card for a certain period of time.
  32. Term

    Credit Repair Organizations Act (CROA)

    A federal law passed in 1996 that requires companies offering credit repair services to advertise and communicate honestly with consumers.
  33. Term

    Convenience Fee

    A charge assessed by a payee when a consumer pays with a credit card rather than by check or ACH transfer.
  34. Term

    Automatic Bill Payment

    A money transfer scheduled on a predetermined date to pay a recurring bill.
  35. Term

    COB Fraud

    A scam in which a criminal changes a victim’s billing address with a financial institution to prevent the victim from noticing an account breach.
  36. Term

    Payroll Card

    A prepaid card onto which an employer loads an employee’s wages or salary each payday.
  37. Term

    Plain Vanilla Card

    A basic credit card with no special features or perks and no annual fee.
  38. Term

    Grace Period (Credit)

    The number of days between a consumer’s credit card statement date and payment due date when interest does not accrue.
  39. Entrepreneurship

    10 Tax Benefits For The Self-Employed

    Running your own business has both personal and financial perks.
  40. Budgeting

    Ready To Save Money While Eating Healthy?

    These six cheap and nutritious foods are a perfect way to deal with rising grocery prices while staying healthy.
  41. Entrepreneurship

    Uber Versus Yellow Cabs In New York City

    Once you use a ride app like Uber in New York, you may never want to go back to hailing taxis. However, taxis are still a better deal in some situations.
  42. Credit & Loans

    Don't Want a Co-signer? The Top Alternatives

    You need a co-signer to get that loan or apartment, but you don't have anyone you can ask. What can you do instead? And how to decide if it makes sense.
  43. Term

    Card-Not-Present Fraud

    A type of credit card scam in which the customer does not physically present the card to the merchant during the fraudulent transaction.
  44. Term

    Card-Present Fraud

    A type of credit card scam in which the card is physically presented to the merchant during the fraudulent transaction.
  45. Term

    Adverse Credit History

    A track record of poor repayment history on one or more loans or credit cards.
  46. Term

    Charge-Off Rate (Credit Card)

    The percentage of consumers whose unpaid balances credit card companies are unable to collect.
  47. Term

    Equal Credit Opportunity Act - ECOA

    A regulation created by the U.S. government that states that individuals cannot be discriminated upon via factors that are not directly related to their creditworthiness.
  48. Term

    Risk-Based Pricing

    The offering of different interest rates and loan terms to different consumers based on their creditworthiness.
  49. Term

    Behavior-Based Repricing

    The changing of a credit card holder’s interest rate based on their repayment activity.
  50. Term

    Gift Card

    Gift cards fill the role that paper gift certificates used to play, but with additional features thanks to improved technology.
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