Instant bad credit loans give you cash help within 24 hours of approval. Bad credit record like CCJs, default, arrears, late payment etc. are not hurdle at all. You can use the loan amount for various needs. You can get out of your financial crises through these loans without any hassle of faxing of documents or lengthy paper work.Instant bad credit loans:-meet your urgent expenses without credit check By: queenmarry About the...more
There are two basic types of credit card interest-free periods: there's the monthly type which allows you to borrow in the short term and, if you're clever with it, treat a credit card like a debit card with extra benefits and rewards, and there are longer 0% interest periods. The former aren't generally advertised but, ironically, can often be more useful to everyday credit card users than the other type which are used as hooks to draw people in...more
It's sad but today most credit card companies are devious and they've designed everything possible into the fine print of their terms of service to catch you. Therefore, when looking at any credit card offer, make sure you take a close look at the fine print.Believe me, I am fully aware that it's purposely put together to appear like a maze, but because it's so vitally important to your financial well-being and with the current trend towards "relatively" easier-to-read summary boxes you no longer have a legitimate excuse for ignoring the terms of service.That being said, I've outlined a few of the key aspects to look for that are normally "hidden" away in the fine print of most credit card offers.The Annual FeeAlthough it's not as common as it once was, it's still around. Especially, on the so-called higher status Gold and Platinum cards which still tend to charge much higher fees than the "basic" credit card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't...more
Learn about the costs and rules of the card.What is the annual fee and are there any costs in acquiring the credit card? What is the interest going to be after the initial 90-day teaser interest rate vanishes? What is your credit limit and what is the penalty if you go over the limit? How and when can your interest rate and credit limit be changed?...more
When it comes to credit cards there are so many choices out there it can be really confusing when trying to determine which credit card is the best choice. We are all different with different likes and different habits and credit card companies know this, and have created card fee structures that differ according to peoples habits and...more
The Competition Commission one of the governments watchdogs, has at last moved to shame credit cards in to cutting their charges. The long overdue move comes after the Commission concluded that the credit card industry was overcharging customers between £55 and £100 million each year through excessive interest rates and other charges. And this has been going on for a least 3 years!The main culprits by far are store cards where interest rates are as high as 30.9% - even though the Bank of England's base rate stands at just 4.5%. The worst culprits were TJ Hughes and the Faith Card followed by Owen & Owen. You can find them heading the Table of Shame shown below in this article.The commission has also come down on high penalty charges for missed or late payments and Payment Protection Insurance. Average penalty charges are currently £15 per event - but the Commission is also right to argue that these charges are excessive.As for Payment Protection Insurance, the Commission has joined the consumer body "Which", the National Consumer Council and indeed the Financial Services Authority in concluding that whilst this insurance can be a good idea, credit card operators have abused it....more
This may be old news, or this may be information that has just come to light for you, but your credit and consumer habits are being monitored, and unless you take some action to obtain the necessary credit reports, you more than likely don't know if...more
The standard means of obtaining credit has become so widespread that being at the mercy of increasing interest rates and inflated charges on loans and credit cards has become so commonplace that it is easy to believe there is no other option. But...more
It's no secret why so many Americans are in debt up to their eyebrows. The moment a teenager reaches his or her eighteenth birthday; if not sooner, credit card companies begin sending offers for credit cards. Some of the offers are extremely...more
Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers...more
If you have ever ordered anything using your credit card and you haven't received it but you were billed for it, you have some options. Once you get over your initial anger, calmly follow these steps.Write to the credit card issuer at the address...more
It's never easy to talk about credit. Not with friends, not with family, not online, and, most of all, not with myself. Yes, I let a monthly payment go by here and there. I've maxed out my share of credit cards. I've bought cars that I really...more