Have you ever been attracted to a credit card because it promises you an outstanding interest rate that seems just too good to be true? Most of us have at some stage jumped for one of these attractive offers. There are a growing number of credit card providers out there that will offer you 0% deals on either balance transfers or purchases, and sometimes they just seem too good to resist.Particularly if you have a large outstanding credit card...more
Travel is one of the most popular ways to spend your down time. With travel agencies online and easier methods of booking flights and hotel rooms, travel is the choice for weekends and vacations of all sorts. And airline credit cards make travel available to all, whether you have a travel budget or not. Here are some tips to getting the most out of your airline credit card.What Is an Airline Credit Card?When you apply for a credit card online or...more
Your credit score accounts for the amount of interest you have to pay for a loan or a credit card. Increasing your score in just a few points will make a big difference in the interest rate you will pay for a purchase. If your credit score is high enough, you'll have no problem qualifying for a lender's best rates and terms on auto financing, home loans and small business loans. The following are a few tips about how you can protect and improve your credit rating. 1 - Order Your Credit Report. Your credit score is based on your credit report, so you should begin by ordering your reports and reviewing each one for accuracy. You can get your reports from a service such as MyFico.com, or order from Equifax, Experian and Trans Union separately online or by phone. 2 - Check Your Credit Report Information for Inaccuracies. Check the identifying information for name, social security number, birth date and incorrect address. Make certain that old negatives and paid-off debts are deleted. Check for accounts and delinquencies that are not yours, late payments, charge offs, lawsuits, judgments or paid tax liens older than seven years old. Also, paid liens or judgments that are listed as...more
Travel has become an expensive proposition, especially if you are not earning future flying miles while airborne. Airline credit cards generally offer points per flight taken, bringing rewards as a byproduct of each trip. These points will earn the cardholder free stays at hotels, future flights, car rentals, as well as other desirable rewards. A...more
Airline credit cards are increasingly becoming popular. Airline companies and banks, in particular, often sponsor airline credit cards in order to provide incentives to attract consumer interest. But before choosing an airline credit card, you should collect as much information as possible about each airline card that you are considering. If you...more
As the name suggests, airline credit cards are credit cards associated with air travel. Airline credit cards are becoming popular as more and more people are opting for air travel. They can be used for a particular airline or for several airlines and is also an excellent means for saving on travel expenses. A variety of airline miles credit cards are available in the market. Understanding certain basic factors of airline credit cards can arm you to get a better deal.Why Should I Opt for An Airline Credit Card?The simple reason why people opt for an airline credit card is that it saves on travel expenses. Often times, it works best for a frequent traveler. The benefits offered vary from one type of credit card to another. The primary features of the card also varies with each airline miles credit card. Apart from saving on travel expenses, there are several other benefits involved. Several types of insurance associated with travel are offered by most airline miles credit cards, including lost baggage insurance and car rental insurance. The coverage provided under travel accident insurance is far above what would be considered normal coverage. Occasional freebies are also offered by...more
Debt is the most common word that we hear from the people these days. It affects the human life in many ways that one can not imagine like creditor can make your life miserable; ruin your credit score and chances of getting credit in...more
During the present uncertain economic situation, debt is one that causing heavy burden to most percentage of Americans especially when you lost the monthly income or increased monthly payments on the loans due to increase in interest...more
After your financial problems are all behind you, you're now faced with the challenge of rebuilding your file and raising your FICO score. While you'll come across many great strategies when learning how to repair credit, it's important you don't...more
Do you maximize your free credit report that you can get once every 12 months according to the provisions of the Fair Credit Reporting Act (FCRA)? You can use your credit report to monitor what areas need improvement especially if you constantly...more
There arrives a time in everybody's life when their credit rating may not be as squeaky clean as they would like. Perhaps a few late payments to certain mortgage or loan agreements. Maybe the bills have been mounting up for a period and...more
Do you worry about reducing your debt? If yes then why are so many people only paying the minimum payment on their credit cards? Is it because they think if they keep paying the minimum payment every month it will pay itself off within months? Well...more