McCain releases his taxes, not wife's

Sen. John McCain is considered one of the wealthiest members of Congress, but you wouldn't know it by looking at tax returns released Friday by his presidential campaign.

Which of the following is the biggest threat to your credit card security?

a) Shopping online with a credit card
b) Shopping in a real store with your credit card
c) Ordering something over the phone with your credit card

The answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and identity theft, shopping online is a relatively safe process. Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server.

The truth is that there are some dangers to using credit cards in ANY situation - and there are ways to safeguard your information and security no matter where you shop with your credit card.

When shopping online

Only shop reputable sites. If a shopping web site has been around for a while, it's a pretty good bet that they're legitimate.

Use an online money transfer service rather than your usual credit card. You can fund an account with a service like Paypal via your credit card or bank account - but your information isn't freely available. When you pay via PayPal, the only information that the seller gets about you is your email address.

When shopping in a real store

Keep your eye on your credit card. Stores with the latest tech in credit card scanning won't ever even handle your card - you slide it in the scanner yourself and it never leaves your possession. In stores that aren't that hip yet, keep your eye on what's happening with your card, and ALWAYS take your credit card receipt. Until everyone is using the latest scanners and printers that only print out the last four digits of your credit card, discarded credit card receipts are the easiest way for thieves to get hold of your credit card numbers.

When shopping by phone

Never, ever, ever give your credit card numbers to someone who called you. No matter how good a deal sounds, insist on being given the time to confirm the identity and company of the person you're speaking with.

As you can see, for the most part, common sense is all it takes to keep your credit card information safe!

Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/

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South Korea relaxes U.S. beef import rules (Reuters)

Reuters - South Korea on Friday agreed to open up to U.S. beef imports after Washington pledged to raise safety standards, boosting prospects for a sweeping trade deal ahead of a summit between leaders of the allies later in the day.

You've decided to apply for a Citi MasterCard, but with so many different cards to choose from, how do you know which one is right for you? Here is a brief guide to the different types of MasterCard available from Citibank.

A great MasterCard program is the Citi Platinum Select Card. It offers basic rewards, such as an 0% Annual Percent Rate and no annual fee, for qualified applicants. This MasterCard will also give you peace of mind, when making online purchases, because it offers protection against unauthorised purchases.

If you're looking for a plan with more rewards, then the Citi Premier Pass Card, might be the Citi MasterCard plan that's just right for you. Like the Platinum Select Card, the Pass Card offers an introductory 0% APR and no annual fee, for qualified applicants. It also offers online account management, statements, and billing activity. The Premier Pass Card also offers extensive travel and air miles, so if you're a frequent flier, this card's for you.

Another great MasterCard offer from Citibank is the Citi Diamond Preferred Rewards Card. In addition to the 0% APR for twelve months and the promise of no annual fee, this credit card package will give you reward points for money spent for everyday purchases. For example, for every dollar that you spend on the Citi Diamond card for purchases made at gas stations, drugstores and grocery stores, you will earn five reward points back, to use in their rewards program.

Even if you're a college student, CitiBank has a MasterCard just for you. You have several student cards to choose from, such as the Citi Dividend Platinum Select Card for College Students and the Citi Driver's Edge Card for Students. Both are designed to help you responsibly build your credit history, while offering you basic rewards, such as 0% APR for six months and no yearly fee.

Regardless of your spending habits, there's a Citi MasterCard program to suit your needs.

Jeff Lakie is the founder of Credit Card Resources a website providing information on credit cards

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