Do you back up your mobile phone's data? How about bank accounts? Do you check online each week to look for errors? If you answered no to the first and yes to the second, you are on par with most Americans when it comes to bad and good habits for protecting your digital data.

Technology glitches at the month-old Consumer Financial Protection Bureau mean some customers' credit card complaints are not being routed to the appropriate banks or are backlogged.

Recent data suggests that to get the very best terms on mortgage loans, excellent no longer suffices. It may be that only those with stellar credit get to take advantage of the record-low rates that are currently available on 30-year mortgages.

According to experts, credit card delinquencies (payments more than 30 days late) historically increase in the summer months. CreditCardGuide.com correspondent Eva Norlyk Smith recounts her own experience with a lapsed summer payment

Wells Fargo's announcement last week that it will start testing a $3 monthly fee Oct. 14 for debit card users kicked off a wave of speculation that more banks may follow.