4 Reasons Why Accreditation Is So Important For Career Development Accreditation has emerged as one of the main issues in employment, particularly in the global market. Accredited courses are qualification standards, recognized by national law and in many cases international employment treaties. Australian accreditation is recognized globally in many fields, but you need to be aware of the issues related to accreditation when...more
Credit Interest Rates When you make use of credit, you're borrowing money that belongs to a lender, and you're obliged to pay interest in order to enjoy this benefit. Different types of credit incur different interest rates - for example, student loans and home loans are usually charged at lower interest rates than short-term loans and credit cards. But, regardless of the type of credit you're using, you will be charged interest on...more
How Credit Cards Work You use your credit card to pay for a range of goods and services across the globe. Your card is swiped, and within seconds, payment is approved and the transaction is completed successfully - provided you haven't reached your maximum spending limit. But have you ever wondered how credit cards work?Read on to learn more about credit cards, and how they work to enable cardholders to pay for goods and services at millions of merchants around the world. Still need a credit card? Be sure to find, compare and apply for a credit card online, via a reputable credit card comparison portal.How credit cards workCredit cards are a line of credit – meaning that they are a type of loan. When you are granted a credit card by a lender, you are essentially being given a certain amount of borrowed money to spend. You'll be assigned a set spending limit, and will have to pay interest on your expenditure. Credit cards are revolving lines of credit, and thus, as soon as you've repaid the outstanding balance, the money is available to be used again.When you swipe your credit card to pay for a purchase, you're using your lender's money to pay for that item or...more
Finding The Best 0% Apr Credit Cards When it comes to 0% APR credit cards, you may be wondering how you can take full advantage of these offers. There are many f them out there, actually. The ability to offer this service is usually something of a ploy though. To get you into their card products, card issuers may offer 0% APR...more
Unsecured Loans for People with Bad Credit – Forget the Credit Report Arranging money for urgency sounds really complicated especially when you are suffering from bad credit? But now there is a new loan scheme that is specially designed for poor credit holders in their urgent credit crisis. Unsecured loans for people with bad...more
How To Effectively Manage Credit Card Shifting Say I bought a TV for $500, but I didn't even have $500. But - I'm smart - I do have another card! What should I do by the due date? A balance transfer? Well, I'd certainly consider it if I had a current interest free balance transfer offer available. But let's say I don't anymore.The first thing I'd do is work out my average weekly maximum cardable expenditure (not income) - including everything l usually buy but can buy with credit card purchases. For example, groceries, fuel, some bills (some companies don't accept credit card bill payments, others only in emergencies.) and so on. (Obviously rent or home loan repayments are a big one, but you may or may not be able to pay for these by card depending on who you pay!)For our examples' sake let's make some figures up for my weekly living expenses. Because all plans work on a multiple of the expenditure, we can take any figure as the expenditure to work out and demonstrate the plans. So let's say:Groceries $300Fuel/Transport $100All Other Bills $100Total per week $500If were to put all these living expenses as Purchases on my second card, and used my income to pay off my...more
When To Use Credit Vs. Debit Most people either personally own or at least know about credit cards. Credit cards are small, rectangular pieces of plastic that can be used to purchase items in stores and on the Internet in place of...more
What Are Charge Offs? - Find Out and See How to Eliminate Them from Your Credit Report People do not care about their credit reports and do not pay back to financial institutions. They realize the importance when they apply for new...more
Credit Card Debt Relief - Eliminate All Your Debts For Good starting Now Credit card debt is one of the biggest problems hounding most people today. This is because people tend to use credit cards and then suddenly find that because of...more
Debt Relief Help - I Owe thousands on My Credit Cards, What Can I Do? Debt is still a debt whether it is in a small or big amount. Managing your debts alone can be too risky and the truth is you may need the help of a debt relief...more
When Your Credit Score Isn't Really Your Credit Score Many articles have been written about the importance of having healthy credit. And nowhere is the state of your credit more important than when you apply for a home loan. ...more
Dispute Items on Credit Reports - Find Out How to Dispute Bad Credit Items and Have Them Removed The importance of credit reports cannot be neglected ever as it is the most important thing for financial future. Whenever any consumer...more