What do you get when you add "contactless" credit abilities to your cell phone? A single device for making calls and credit card purchases. You yak, you wave, you buy.

Credit card customers are awash in choices, able to pick from any number of customized rewards programs, affiliations, fee structures -- even the images decorating the front. But an upstart player is taking on the card network giants, hoping that its innovative features and security -- combined with a deal it hopes merchants can't refuse -- can cut through the noise to find a home in your wallet and on your computer.

Federal regulators have taken a first pass at creating rules to stamp out illegal online gambling via credit cards. Judging from the reaction, the Feds came up snake eyes.

Hi, I have a delinquent credit card for $10,000 and I want to fix my credit again but I don't want to pay 30.99 percent interest on the card and I don't have 10 grand lying around any more. What should I do? My son has one of those Amex cards and has offered to add me to the account and transfer the balance to it. Should I do it that way? Or should I just wait for it to charge off because it has been delinquent for over a year?

The holidays bring a flurry of emotions and obligations, and people find it easy to get lost in holiday spirit. You may feel guilty if you can't afford to buy your loved ones what they want, so you put presents on the credit card.

During the holidays, you showered your loved ones with gifts, whether you could afford it or not. You would have felt guilty if you couldn't give them what they wanted.

Don't have a credit card or don't want to use one to rent a car? A CreditCards.com survey of the major rental car companies found it's difficult but not impossible to rent a car without plastic. Keep these 12 tips in mind the next time you approach the rental car counter with no plastic in hand. It just might help you avoid a frustrating rental experience.

Thought you couldn't get a rental car if you didn't have a credit card? That's probably what you've heard for years from rental car agents at airports, but it may be getting easier for some travelers to rent a car without a credit card. A CreditCards.com survey of the top rental car companies indicates that nearly all of the companies allow you to rent their vehicles without credit cards. However, it may take some work on your part -- and patience -- to get the vehicles.

Once you determine an amount, make a list of everyone you need to buy gifts for and allocate your holiday budget accordingly. "If you stick to a budget on everyone on your list, amazingly, you will hit your overall holiday budget and minimize your post-holiday debt."

I have graduated college and found a full-time job, but I have loads of credit card debt to pay off. What is a wise payment plan I can go on to pay off the debt, but also pay my living expenses and possibly set some aside for savings?