Author: howard SnyderPaying off credit card debt is one of the highest searched terms in Google each day. We are living in a very bad economic crisis and honest, hard working people that used to have perfect credit scores and kept their credit cards safely put away in case of an emergency, are being forced to use them to pay for daily living expenses like buying milk or eggs.Due to this situation, millions of Americans are falling behind on their...more
With almost everything processed in cashless basis nowadays, credit card fraud and scams are certainly on the rise. If its not really safe to trust your financial information with restaurants, shopping malls and phone transactions, how much more with Internet and online transactions where your presence is really not required? Nevertheless, whether you are going to transact personally, over the phone or over the Internet, you are encouraged to...more
Author: howard SnyderNot since the great depression of the 30's or perhaps the tough economic times of the early 80's that americans have been hit so hard in their livelihoods. Millions of hard working, decent americans have gone into debt just to cover for their basic living expenses after losing their jobs or some other hardship.These people are facing a tough time just making minimum payments and are in need to negotiate credit card debt.Creditors are brutal when it comes to calling you to demand payment if you miss a deadline and they can call dozens of time to your workplace or home at any hours of the day. Or, mail out nasty, harassing letters threatening you to legal action. The truth of the matter is, you can get help today and make this situation stop. It is not fair to you or your family to lose sleep over your bills and the many other situations linked to money or lack thereof. You have choices, many of them. Some of which are bankruptcy, credit consolidation, government grants, negotiate directly with creditors among many others.Your first action steps should be:Write down to the penny how much you owe and then make a plan of action. This plan requires you to be really...more
Author: howard SnyderIn the past few years, americans have accumulated large amounts of credit card debt. We are living a very tough economic situation and it is no longer surprise to hear about a neighbor, close friend or relative that have lost their job or that have been notified that they will. These very people have gone deep into debt just to...more
To reduce credit card debt at any time seems hard, but you can do it. And reducing your credit card debt now, while in college, may help you for years.Here you'll find reasons and a few ideas on how to get started reducing that debt.1. Graduation is ComingGetting rid of some of your debt now will help you get off to a better start after school. If...more
If you have a credit card (most Americans have over 10) then you've probably received an offer called a "payment holiday". You'll receive a letter that says something to the effect, "That because XYZ Credit Card Company understands how difficult it is for some families around this time of year to make ends meet (or whatever other excuse they can come up with) that you are being given the opportunity to take a month off from making your monthly payment as a 'special gift' and thank you for being such a valuable customer."Sounds Good on the Surface but Why Are They Doing It?Typically, payment holiday offers have a high acceptance rate. A high percentage of individuals feel it's a wonderful thing to be able to take a month off from the stress of having to make another payment. However, what they don't usually realize is that these so-called "holidays" really aren't a gift at all. They are simply are way to increase profits for the credit card companies.It's a Win-Win For the Credit Card CompaniesHmm... So how can letting me skip a payment earn them more money? Well, here's where the slight of hand comes in. If you read the small print in any credit card agreement you'll quickly...more
Author: Peter CarvilleThere are a couple of different prepaid credit card options available in Ireland. The prepaid credit card industry in Ireland has seen significant growth in the recent years. This is primarily due to consumers becoming...more
"Christmas Time, Mistletoe and Wine" How many times have you heard this so far and its only November? A few I'll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food...more
On the surface, 0% balance transfer credit cards are incredibly enticing, especially if you have outstanding credit card balances. But there are a few details you need to understand before taking the balance transfer credit card plunge. Some...more
An airline credit card is the perfect addition to the wallets of those who spend a lot of time traveling on planes. These cards allow you to build up points that you can spend in any number of different ways. Not all airline credit cards are created...more
More and more people are applying for credit cards online. With the plethora of different means for which you can apply for your desired card, companies really try to make it easy for you to apply for their credit card. Along with online auctions,...more
In the past, many small businesses have struggled to open the line of credit that they need to finance their new venture. However, the business credit card has now been introduced and this has aided small business owners to make purchases of...more