0 APR credit cards are here to stay. Now that we're well into the New Year we've learned (again) the lessons of the festive season. Zero interest credit is a nice idea, but why not extend it beyond your present credit card to the next, and the next. This seven point checklist will assure the clever consumer of having that constant low APR credit for years to come.1. Read the small print. Make sure it matches the offers on the credit card's...more
When posed with the question on which credit card rewards you should pick, there really is no standard answer. Reward credit cards offer different options that may work differently depending on the lifestyle of the card holder. Therefore, whether you should get an airline frequent flyer credit card or a card with generic rewards is really up to your personal spending habits and travel needs. In this article, let's consider pointers for...more
If you're like most Americans, offers for credit cards arrive in your mail on a daily basis. Why are credit card companies so eager for your business? There are many reasons.Credit cards, for one thing, are not free cash. Funny enough, many customers think of them this way, and that "aha! is how credit card companies make their money. You'll notice when you read through the fine print about credit cards that there are varying APRs, or annual percentage rates. This refers to the amount of interest you'll pay on credit card charges if you don't pay your monthly balance in full. Think about the last time you went shopping. Did you look at the tags and make sure everything you bought could be paid with your monthly paycheck? If not, you are a credit card company's dream come true. You see, these companies bank on the chance that consumers will use their credit cards to buy more than they can actually afford at the time of purchase. When the bill comes and it can't be paid in full, the customer pays interest on this borrowed amount, and that interest accrues daily. This money goes right into the credit card company's bank account. With thousands of customers falling into this...more
We've all seen the ads for "free credit reports" in our email and on various websites.But are most free credit report offers real?Unfortunately, most are not actually free. In fact, most require a monthly "credit monitoring" or other fee one that most people really don't need.Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers...more
A credit card can be an asset to your lifestyle, but if not handled carefully it can become a liability, especially if you find it so convenient and easy to use that you lose control of your spending.This short guide will help you understand how you can use your credit card so it works to your advantage, not against you.AdvantagesA credit card...more
Certainly, you can! But let me ask you this: why fix it alone when you can have help?While I'm not saying that it's better to fix bad credit with the help of an expert, there are some indisputable advantages when you hire a professional credit repair company to take over your credit problems. If you don't have the time for it, naturally it's better to turn over everything to a professional credit repair company. If you don't think you have enough experience dealing with the finance people haggling, negotiating, disputing and so on then once again, maybe it's time to call for 911. There are just so many things you have to do when you're fixing bad credit that really, when you compare what you'd have to go through with the amount the credit repair company is going to charge you, it seems like you're paying a small price indeed.But if you're determined to try it out alone first then certainly, I won't stop you and indeed congratulate you for having the fortitude for such a task.Task #1 - Getting A Copy Of Your Credit ReportListen well and remember: you need a copy of your credit report. Don't rely on secondhand information. Don't overestimate your knowledge of your credit history by...more
Many people who were once wary about using credit cards are now rushing to get credit from their company of choice. One reason for this is that many credit card companies nowadays are willing to give credit cards to almost everybody, even to people...more
A large amount of times you may realize that you are facing a uphill battle when it comes to poor credit and getting a loan. An assured bad credit personal loan could seem like something that's almost impossible. Even if you would like one, where do...more
Unemployed tagged with bad credit are often discarded by banks and other financial institution on availing loan. Now, a team of online lenders have made loan availability easy for such people through bad credit loans for unemployed....more
Are you satisfied with your credit report or you would like to know if it needs repairing? The free annual credit report helps you in knowing whether your scores have gotten better or worse. The significance of knowing the credit reports have...more
The most important thing that you got to remember is that the best time to plan for prevention before any disaster or emergency occurs. Here are few ways; you can follow to keep yourself and your family safe.1. Keep the medical kit ready.2. Set up a...more
Most of the American is good at their job and managing their money. There are times, when they do need some help occasionally. Those who opt for the payday cash loan are increasing in the number day by day. They consider this short term loan as a...more