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	<title>BLACK ENTERPRISE &#187; credit cards</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Yeah, I Got It On Layway. What About It?</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it#comments</comments>
		<pubDate>Wed, 21 Oct 2009 22:27:03 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[online shopping]]></category>
		<category><![CDATA[retailers]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41721</guid>
		<description><![CDATA[The buy-now, pay-later mentality of credit cards has been a major factor in reckless and irresponsible consumer behavior. Replacing layaway plans with easy access to high-interest credit has had devastating consequences for lower- and middle-income families, and black people in particular. The public embarrassment of buying goods on layaway (an admission that you were too poor to just buy what you wanted outright), has been replaced with the private shame of crushing credit card debt.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Let’s Talk Money</title>
		<link>http://www.blackenterprise.com/magazine/2009/08/01/lets-talk-money-2</link>
		<comments>http://www.blackenterprise.com/magazine/2009/08/01/lets-talk-money-2#comments</comments>
		<pubDate>Sat, 01 Aug 2009 18:18:43 +0000</pubDate>
		<dc:creator>Sandra Beckwith</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[financial management Websites]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[online communities]]></category>
		<category><![CDATA[Techwatch]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37536</guid>
		<description><![CDATA[For those too terrified to look at retirement accounts, a group of chatty (and free) financial management Websites  makes  it easy  to focus on how to spend money and reduce expenses.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/08/01/lets-talk-money-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>News Roundup</title>
		<link>http://www.blackenterprise.com/business/business-news/2009/07/17/news-roundup-14</link>
		<comments>http://www.blackenterprise.com/business/business-news/2009/07/17/news-roundup-14#comments</comments>
		<pubDate>Fri, 17 Jul 2009 16:16:46 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Business News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[obesity]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37649</guid>
		<description><![CDATA[News Roundup]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/business-news/2009/07/17/news-roundup-14/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Credit Card Fee Hustle</title>
		<link>http://www.blackenterprise.com/blogs/2009/07/08/the-credit-card-fee-hustle</link>
		<comments>http://www.blackenterprise.com/blogs/2009/07/08/the-credit-card-fee-hustle#comments</comments>
		<pubDate>Wed, 08 Jul 2009 19:30:00 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37296</guid>
		<description><![CDATA[It’s a shared feeling among many debit and credit cardholders. You head to the local grocery store to pick up milk, bread, and toilet paper, but the $10 you left the house with is well short of the $13.88 you just racked up. You whip out your credit card to cover the charges and the cashier points out the “$15 minimum for all credit card purchases” sign above the register.   ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/07/08/the-credit-card-fee-hustle/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>House Passes Credit Card Bill of Rights</title>
		<link>http://www.blackenterprise.com/politics/politics-news/2009/04/30/house-passes-credit-card-bill-of-rights</link>
		<comments>http://www.blackenterprise.com/politics/politics-news/2009/04/30/house-passes-credit-card-bill-of-rights#comments</comments>
		<pubDate>Thu, 30 Apr 2009 21:42:50 +0000</pubDate>
		<dc:creator>Joyce Jones</dc:creator>
				<category><![CDATA[Politics News]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=31558</guid>
		<description><![CDATA[The U.S. House of Representatives today passed H.R. 637, the Credit Card Bill of Rights, by a margin of 357 to 70. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/politics/politics-news/2009/04/30/house-passes-credit-card-bill-of-rights/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Obama on the Record: Credit Cards</title>
		<link>http://www.blackenterprise.com/white-house/white-house-news/2009/04/27/obama-on-the-record-credit-cards</link>
		<comments>http://www.blackenterprise.com/white-house/white-house-news/2009/04/27/obama-on-the-record-credit-cards#comments</comments>
		<pubDate>Mon, 27 Apr 2009 18:04:25 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[White House News]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30631</guid>
		<description><![CDATA[THE PRESIDENT:  Well, I just had a constructive meeting with the heads of many of the leading credit card issuers here in the country.  Obviously we're at a time where issues of credit and how businesses and families are able to finance everything from a car loan to a student loan to just [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/white-house/white-house-news/2009/04/27/obama-on-the-record-credit-cards/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Day 94</title>
		<link>http://www.blackenterprise.com/first-hundred/b-obama/2009/04/23/day-94</link>
		<comments>http://www.blackenterprise.com/first-hundred/b-obama/2009/04/23/day-94#comments</comments>
		<pubDate>Fri, 24 Apr 2009 03:56:42 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Iraq]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=31111</guid>
		<description><![CDATA[Obama stirred controversy when he told credit card company executives that there is a lack of clarity and transparency with regard to contract language. He asked for strong and reliable protections for consumers, including a ban on unfair rate increases and abusive fees and penalties. 
Obama also spoke at a Holocaust ceremony and along with [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/first-hundred/b-obama/2009/04/23/day-94/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Principles</title>
		<link>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obama-discusses-credit-card-principles</link>
		<comments>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obama-discusses-credit-card-principles#comments</comments>
		<pubDate>Thu, 23 Apr 2009 17:59:57 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[White House News]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30628</guid>
		<description><![CDATA[President Obama met with representatives from the credit card industry this afternoon to discuss the impact of the current economic crisis on consumers.  He has been a strong proponent of cleaning up the practices of the credit card industry since he was a Senator and he called for measures to strengthen consumer protection in [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obama-discusses-credit-card-principles/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Obama&#8217;s Meeting with Representatives of the Credit Card Industry</title>
		<link>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obamas-meeting-with-representatives-of-the-credit-card-industry</link>
		<comments>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obamas-meeting-with-representatives-of-the-credit-card-industry#comments</comments>
		<pubDate>Thu, 23 Apr 2009 17:49:21 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[White House News]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30622</guid>
		<description><![CDATA[Today, the President will  meet with the representatives of the credit card industry in the Roosevelt Room  to discuss the impact of the current crisis on consumers.  President Obama has  been a strong proponent of cleaning up the practices of the credit card industry  since he was a Senator and he [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/white-house/white-house-news/2009/04/23/obamas-meeting-with-representatives-of-the-credit-card-industry/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Say No to Overdraft Fees</title>
		<link>http://www.blackenterprise.com/blogs/2009/03/20/say-no-to-overdraft-fees</link>
		<comments>http://www.blackenterprise.com/blogs/2009/03/20/say-no-to-overdraft-fees#comments</comments>
		<pubDate>Fri, 20 Mar 2009 18:28:26 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28089</guid>
		<description><![CDATA[ 
Ever had to pay an additional $30 for a $5 hamburger or a $15 meal? If you’ve been hit with bank overdraft fees you probably have. Well, you have 10 days left to take action! Consumers have until March 30 to comment on whether banks should ask customers if they’d like to “opt in” [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/03/20/say-no-to-overdraft-fees/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Who Benefits Most From New FICO Scoring Method?</title>
		<link>http://www.blackenterprise.com/blogs/2009/02/04/who-benefits-most-from-new-fico-scoring-method</link>
		<comments>http://www.blackenterprise.com/blogs/2009/02/04/who-benefits-most-from-new-fico-scoring-method#comments</comments>
		<pubDate>Wed, 04 Feb 2009 21:04:32 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Apex Financial]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Lee Baker]]></category>
		<category><![CDATA[Scarborough Capital Management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=24014</guid>
		<description><![CDATA[After years of tweaking, Fair Isaac Corp. finally rolled out its revamped FICO score method. Aside from your Social Security number, your FICO score is probably the most important number attached to you. It’s used by credit card companies and financial institutions to determine how likely you are to pay your bills on time – and whether they will extend you credit. Even worse, some employers use the numbers when making hiring decisions.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/02/04/who-benefits-most-from-new-fico-scoring-method/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Cardholders&#8217; Bill May Lighten Load for Businesses</title>
		<link>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses#comments</comments>
		<pubDate>Mon, 10 Nov 2008 19:29:43 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Entrepreneurs News]]></category>
		<category><![CDATA[Credit Cardholders' Bill of Rights Act]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Nancy Pelosi]]></category>
		<category><![CDATA[National Small Business Association]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=6575</guid>
		<description><![CDATA[As House Speaker Nancy Pelosi and others are calling for the enactment of a second economic stimulus package in the lame duck session of Congress, small business advocates are making the case that such a measure should include legislation designed to make credit card terms friendlier to entrepreneurs.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risky Solutions to Debt Elimination</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination#comments</comments>
		<pubDate>Fri, 01 Aug 2008 05:00:00 +0000</pubDate>
		<dc:creator>Zakiyyah El-Amin</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt consolidation]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/08/01/risky-solutions-to-debt-elimination/</guid>
		<description><![CDATA[Desperate for alternative ways to pay down debt, many people rely on quick-fix solutions that often cause more harm than good.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
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