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"Credit cards can be a wonderful convenience or an albatross around your neck. Now, in the face of a government edict to stop pressuring unqualified people into opening credit card accounts, those purveyors of plastic are trying to make the credit-card game easier and more cost-effective for social media users, offering specials, perks and rewards for those who use Facebook and Twitter. \nThe credit card industry is slowly recovering from the big crash of 2008; delinquencies and charge-offs have significantly decreased. At the same time, the U.S. has smacked down the aggressive tactics used by credit card issuers, particularly when it comes to younger customers.\nThis infographic reveals the latest social media tactics of credit card companies \u2014 and what to look out for if you become one of their customers. \n\nSEE ALSO: Calling All Thieves: Twitter Account Retweets Debit Card Pics\nThe news is not all good \u2014 such as the fact that interest rates for student credit have risen 3.1% just in the past three months. On the positive side, the infographic offers advice for improving your credit rating and getting better deals from the credit card companies.\nIs this data reliable? The infographic was created by cardhub.com, a credit card-comparison site that's independent of any of the major players (its CEO learned the tricks of the trade as a top executive at Capital One). \nIn addition to showing you where to get the best credit card deals, the site conducts studies about how credit cards are used. \nThe company has finished its second-quarter 2012 study. In this infographic, it's concentrating on social media, as well as offering lots of hints we found quite useful.\nHave you been targeted by credit card companies on social media? Share your experience in the comments.\n\n\n\n\nInfographic courtesy cardhub.com"^^<http://www.w3.org/2001/XMLSchema#string>
<http://mashable.com/2012/07/12/credit-card-social-media/>