Rewards Credit Cards - Are They Actually a Sweet Deal? Rewards are everywhere! Gas stations... grocery stores... pharmacies... hotel chains... They all claim to reward you on purchases that you make. Likewise, credit card companies have their own rewards credit cards programs. Simply put, the more you spend, the more rewards you get from a rewards credit card. Sounds like a sweet deal, doesn't it?The Fun Factor of Rewards...more
Saving Money Can Assist You Avoid Bad Credit One thing that many high schools today fail to teach students is finance management. Studies have shown that many students graduate from high school without knowing the basics of personal finance. Many of these same students will shortly be sent a credit card after their graduation and because of this it is easy to see why so many people today have problems with debt and bad...more
Student Credit Cards 101 - Build up Your Credit If you are student who has just learned how to drive a car or is headed off to college, most of you may not have been given access to your parents' credit cards. But college student credit cards may provide a solution for young people in need of credit anyway because building good credit with student credit cards may be more beneficial in the long run than borrowing your parent's credit card. Believe it or not, getting a new student credit card in your name is relatively easy - even if you have minimal income, no co-signer and no credit history. To get your own student credit card, just follow these simple guidelines.Get A JobIf you don't already, consider part-time work around campus on in your neighborhood. It can be for only a few hours a week on campus. If you're going to have your own student credit card, you'll need to make payments on a monthly basis. Having your own checking and savings account at a local bank or credit union is also a good idea. Most banks have special student accounts that require a very little deposit to open. Establishing a history at the bank and accumulating some savings, will give you...more
FAQ for Student Credit Cards Student credit cards can be a great way to start a student down the path of financial independence and becoming a responsible adult. Many parents of students decide to open up credit card accounts for their children or to add them to their own personal accounts. But, another great option is to help...more
The Concealed Truth about Cheap Credit Cards Cheap credit cards are considered to be equivalent to low interest credit cards. However, not all low interest rate credit cards are cheap. Either such cards can have a fixed rate of interest through out the tenure of your balance or they can have a fluctuating rate of interest. Which one...more
The Past Of Credit Cards The concept of credit is not new. In ancient Egypt and Babylon - more than 3,000 years ago - merchants bartered with currency and services in order to maximize their spending processes, often collecting what we now call "interest" on payments that were late or past due. Credit cards themselves, however, didn't surface until the early 1950's.American Express and the Diner's Club were the forerunners in "plastic money", and issued their first credit cards to fewer than 200 Americans for use in restaurants and entertainment venues in New York City. More of its kind were issued in New England until the late sixties, but none of these credit cards could be paid off over long periods of time - their balances were due immediately. Bank of America issued the Bank Americard in California in 1959, and this was the first card to be accepted almost universally.In the early 1970's, the first magnetic strip was developed, and this was what launched the use of credit cards as we know them today. Although the "magnetic stripe system" was used in England in the early 1960's, it was not standardized until the 70's in the United States.The Bank Americard...more
Unsecured Debt Reduction - How Americans Are Reducing Credit Card Debt In 2010 Countless purchasers which are going through a budgetary trouble and have at the minimum $10k in unprotected credit card debt are looking for debt...more
Credit Debt Elimination - How Americans Are Erasing Credit Card Debt In 2010 A lot of customers that are suffering with a financial problem and have at the minimum $10k in unprotected credit card debt are going for debt relief. Debt...more
Credit Debt Settlement - The Reason Creditors Make Debt Settlement Bargains Making use of the significant amount of men and women struggling with credit card debt, the credit card organizations are having no option but to just accept...more
Consumer Credit Card Debt Settlements - Why Credit Card Companies Make Debt Settlement Deals Considering the immense amount of individuals having difficulties with credit card debt, the credit card businesses are having no choice but...more
How to be a credit card tart You didn't think you'd ever want to be a tart, right?Well unfortunately credit cards have had their Sex and the City moment; engaging in carefree, guilt-free credit card switching is in vogue (if not in...more
Techniques Credit Card Companies Use To Ramp Up Your Bills Credit cards, like most other areas of finance, can be difficult to fully understand and compare because of the amount of small print hidden away in the credit agreement. Let's...more