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She’s questioned you about some missing pairs but she just thinks they go where all the disappearing socks go.

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Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features.

According to a July 2009 report by The Tower Group, the net charge-off rate for the top 100 credit card companies in the United States reached an historic 7.65 percent in March.

You may not be in the equation, but if your spouse is, you need to sit up and pay attention.

Pay attention to the warning signs Lachelle Rhodes from Elberton, Ga., never uses credit cards, but her husband has a history of charging excessively and ended up with a wage garnishment -- deductions from his paychecks to reimburse the credit card company.

"When we were dating, I noticed that he always used his credit card when we went out to dinner or to do something fun, even if it was after payday and he had cash," says Rhodes.

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