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<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"nextPageMobile":false,"nextPageNumberMobile":-1,"nextPageUrl":"/articles/topics/credit-card.2","prevPageNumber":-1,"bottomArticles":[{"date":"Fri Jan 30 00:00:00 PST 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jim-holborow/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/01/250850_DA_SecuredvsUnsecuredrefresh_SEOA_Final.jpg","previewDescription":"Unsecured credit cards can offer more benefits than secured credit cards, but they may not be the right choice for your unique financial situation.","title":"Secured vs. Unsecured Credit Cards: What\u2019s the Difference?","pagePath":"/articles/6-things-you-should-know-about-secured-credit-cards","imageAlt":"Two individuals hold different credit cards \u2014 one black, the other gold \u2014 against each other, as if comparing them. 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A man sits in front of his laptop with face in hands, looking exasperated as if he might be dealing with a hardship that credit card purchase protection could help with.

What Is Credit Card Payment Protection?

When the unexpected happens, credit card payment protection can help you stay on track. Find out the benefits, potential drawbacks, and how it works.

A young woman stands in the kitchen smiling as she reads her newly opened credit card statement, which should include Schumer box information like rates and fees.

What Is a Schumer Box?

A Schumer box reveals important details about a credit card’s costs, rates and fees before you make a decision. Here’s how it works.

A man’s hands hold a portable credit card reader at a checkout counter while preparing to insert a credit card with an EMV chip.

See How an EMV Chip Card Protects You

You might not give much thought to that little metal chip on your credit card. But its power to protect you is pretty impressive.

Two individuals hold different credit cards — one black, the other gold — against each other, as if comparing them. This can represent the comparison of secured and unsecured credit cards.

Secured vs. Unsecured Credit Cards: What’s the Difference?

Unsecured credit cards can offer more benefits than secured credit cards, but they may not be the right choice for your unique financial situation.

A woman’s hand uses a calculator as her other hand holds a pile of fanned-out credit cards, perhaps as she calculates the value of her credit card annual fees.

Credit Card Annual Fees and Why They’re Charged

Credit card annual fees might feel unnecessary, but they serve a valid purpose. Here’s why they’re charged and how they may affect you.

Four wooden blocks with markings on their faces are lined up in a row. The first three spell out the word “Fee,” while the last is rotating to reveal upward and downward arrows. This represents weighing the pros and cons of a credit card with an annual fee.

Are Credit Cards With Annual Fees Worth It?

Some credit cards charge an annual fee while others don’t, so why choose the paid option? Learn how to pick the right option for you.

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This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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