You may have heard other people say "I really got a good credit card deal". If you happen to be seeking a credit card at that time, do you select the same credit card you were told is a good credit card deal?Let us see what can be considered a good credit card deal. A credit card deal is good if it maximizes on benefits for you. So, if a credit card fits your lifestyle in such a way as to rake in maximum personal benefits, then you have found a...more
Credit card debt can mount up quickly and can soon become overwhelming. And in addition to the debt itself, if you get behind the late fees and over limit fees can make this situation much worse.One way to get a handle on credit card debt is to opt for weekly payments. In this way you will pay off every week what you have charged on the card, and this can be much more manageable than waiting until the end of the month when the balance is much...more
Gasoline prices are top of mind for everyone right now. With prices actually passing the $4.00 per Gallon mark in certain areas of the United States, it is no surprise consumers are looking for ways to save at the pump. One method that many people are looking into now is gasoline rebate cards. These credit cards function just as any other card does but they can save money on gas purchases. This can be a welcome savings, but if these cards are not managed properly their value can be lost very quickly.As with all credit cards, if you maintain a balance of any kind, they will cost you money. Gas rebate cards are no different. Most gas rebate cards offer around 5% back on all gasoline purchases, which can be a good savings if you go through a lot of gas. However, even with pristine credit you will probably have an interest rate of around 10.9% to 14.9%. If you think you are saving at the pump while you are carrying a balance you are mistaken. 5% cash back means very little is it is costing you 14.9% interest on a sizeable balance. If you can, pay off your card every month. If you must carry a balance, don't worry about reward credit cards and do whatever it takes...more
Having too many inquiries on your credit report can deprive you of the loan you are wishing for. Without even knowing it, inquiries on your report are damaging your credit scores and can change the way creditors look at your credit. The best thing you can do is to remove such inquiries, especially those unauthorized ones, and repair your credit...more
Is your credit debt spiraling out of handle? Are you acquiring nasty, harassing calls and letters from all your creditors threatening to sue you or reposes your property? Then rest assured that you are not alone. Thousands of americans fell into the trap of easy credit score and now they are buried under an ever growing pile of personal debt,...more
There are a lot of ways to get out of debt and to help your credit rating. It depends on your personal situation, but you maybe able to get help to negotiate debt settlement. Credit consolidation is another great option for almost anyone. You...more
* Check credit reports regularly. At least once per year or three months in advance of applying for a loan or credit, check your reports, which are free annually through AnnualCreditReport.com. "Dispute any incorrect entries," Cunningham said. "Make...more
Credit cards usage is likely to increase once again this holiday season. As usual, consumers are in the mood of buying presents for their loved ones whiles shops are looking forward to a fantastic profit. This inarguably, is the best season for...more
Most people think that only major changes in their personal finances will have a significant effect but this is not true at all. Smaller changes are easier to implement and add up in the end. Start looking for ways to save money in every aspect of...more
The economy is growing very fast and people are forced to buy many things in order to cope up with the changing world. Even the technological advancements are adding their part to this in some way or the other. The recent economic recession has badly...more
N.B., Hadith = Muhammad' sayings. Muhammad in between the debtor and his creditor By: Safaa Abdel-Aziz About the Author Safaa Abdel-AzizCo-Chief Editor, October Weekly magazine, Cairo, Egypt.Member of the Egyptian Society of...more