Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that. By making an affinity credit card your major credit card, you can donate hundreds of dollars to your favorite charity - just by using your credit card the way that you normally would.Affinity credit cards have been around since the 1980s, but...more
If you ever entered a courtroom, you know that the stress elevates, even if you are in the room for someone else. Courts are an automatic source for lifting stress. Moreover, to avoid the courts means we have to abide by laws and pay our debts. If you have taking out a home mortgage, car loan, personal loan, or any other type of credit loan in some instances when the loans requirements are not meet you can be subpoenaed to court. There are...more
For many young adults, the thought of building a credit history and worrying about a credit score seems unusual. To them the only real draw to a student credit card is the idea of getting the things they want or need with just the swipe of a card. It is also a method for getting the things they need while away at school, such as paying rent, purchasing books, paying tuition, and purchasing items such as food and clothes. Student credit cards are a great way to establish credit and to build a credit history, but they need to be used wisely.The Credit ScoreCollege students may not realize it, but student credit cards are often the first step toward establishing a credit score. A credit score is a number determined by the credit bureaus. Each of the three credit bureaus has its own method for accumulating credit information and for developing a credit score, but they are generally approximately the same. This number is used by lending institutions and other businesses to determine whether or not you are a financial risk. Even phone companies often look at the credit score to decide if they will grant you a phone line.The lower your credit score, the greater risk you are to the...more
If you have less than perfect credit, you may have seen ads promising you a credit card regardless of your credit history or job status. Most of these ads are actually for a secured credit card, which can be a great way to rebuild your credit. Your credit may need rebuilding if you have a history of unpaid credit card bills, bankruptcy,...more
You need to manage your credit cards wisely. Otherwise, you may end up in financial trouble. Unfortunately, there are many who don't realise that they may be making huge mistakes with the use of their credit cards. Here are top 7 credit card mistakes that card holders make:1. Paying Just the Minimum Sum.The minimum sum is just an amount that you...more
It is one of the joys of the UK credit industry that prices of credit, and in particular of credit cards, have continued to fall over the past number of years. Today you can get zero per cent on balance transfers, and even zero per cent on purchases, offers that were simply unimaginable just a couple of years ago. This is all the result of increasing competition in the market place from alternative lenders and banks from abroad, particularly US banks. However, there are still many charges out there and it takes some care and consideration to make sure that you don't end up paying far more than you should for your credit cards. The main charge associated with credit cards continues to be interest charged on outstanding balances. This is traditionally how credit card providers have managed to rake in the massive profits that they have become associated with. It doesn't take much research to discover that the interest rates on credit cards are among the highest on the market. While mortgage rates and personal loan rates can easily be as low five or six per cent, credit cards rates are easily over twenty five per cent. This is due mainly to the convenience and flexibility of credit...more
Do you have a hard time paying your credit card bills? Starting to get notices from waiting creditors to pay? Worried that you might lose your properties like your house because of credit debt? Chin up: Dealing with credit card debt is not as hard as...more
There is always a sale or something that you must buy because of the holiday season, birthdays etc.... and the credit card companies could care less that you are on a budget. Those credit card companies that want you to spend money that you don't...more
In today's society, many people have used credit cards for purchases that should have been made with cash. In years past, the credit card industry made it very easy for individuals to get credit and if your credit score was high enough you didn't...more
Credit card debt can be debilitating. It can consume your life and steal your dreams, but it does not have to be this way. It is up to you how you want to spend your life... trying to stay ahead of the bills or living the life that you deserve. Today...more
Do you know how to read a credit report? You should or else all the free credit reports in the world cannot help you improve your credit score. Your credit score is the summary of your credit report expressed in a three digit number that ranges from...more
It is easy to run into financial problems. When these problems occur it is hard to watch as your credit score quickly deteriorates.There are things that you can do to keep your credit score from crumbling.You want to maintain your credit score...more