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Choose the Right Credit Card By : Brian Shoemaker If you do, you could earn great rewards, save money or even earn money. Some people think every credit card is the same plus or minus a couple tenths of an interest point. I use to. This couldn't be more wrong. Credit Cards with Rewards By : Brian Shoemaker Some credit cards offer more than just a low interest rate. That's right. Some credit cards offer great rewards just for using them. For example, lets take a look at Blue from American Express. Transferring Balances of High Interest Rate Credit Cards By : Brian Shoemaker You just received the latest bill from your present credit card company. The balance is huge not to mention a high interest rate. When you signed up for the credit card, you didn't take into consideration the high interest rate. Now you realize it is going to take you forever to pay off the balance. Is there anything you can do? Credit Cards and APRs By : Brian Shoemaker You probably see a lot of credit card offers on a daily basis whether it's on television, the internet, a magazine or in the mail. In the advertisement, you probably see or hear APR mentioned several times in the form of Introductory APR, Standard APR, Cash Advance APR, Balance Transfer APR and Default APR. The difference between these APRs might be confusing at first but they are pretty simple to understand. Credit Card Cheques - An Expensive Convenience By : Michael D. Strauss Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost. Getting a Credit Card with a Bad Credit Rating By : Nicholas Hunt Paying by plastic is becoming ever more common, not least because of the rise of online shopping. How can people with poor credit ratings get approved for a credit card? Is Credit Card APR All That Counts? By : Nicholas Hunt Choosing a credit card isn't simply a matter of going for the one with the lowest APR interest rate, you need to match the card to the way you spend. Getting it wrong can be costly, so how do you decide which type of card to apply for? Flat Rate Credit Cards By : Michael D. Strauss Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing. Bad Credit: County Court Judgements Explained By : Nicholas Hunt County Court Judgements or CCJs will have a serious impact on your credit rating, making it more difficult to obtain finance. What are CCJs, and can you do anything about them? Credit Card Balance Transfer Fees By : Michael D. Strauss Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born. Get in Control of Your Credit Card Debt By : Michael D. Strauss Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of control. Is Cashback The Future For Credit Cards? By : Michael D. Strauss Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit? How Important Is Credit Card APR? By : Michael D. Strauss Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate. Simple Steps to Prevent Credit Card Fraud By : Michael D. Strauss Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you. Which Kind Of Credit Card Should I Choose? By : Michael D. Strauss There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need. When Not To Use A Credit Card By : Michael D. Strauss Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble. Credit Cards: Why You Should Pay More Than The Minimum By : Michael D. Strauss Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimuum repayments will make the situation worse, and this article explains why. Are Online Credit Card Applications Too Easy? By : Michael D. Strauss Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it. Credit Repair For Yourself By : Martin Sumner There are thousands of websites offering their services in repairing a bad credit rating. Unfortunately however, there's no magic bullet solution, but that doesn't mean there's nothing you can do to improve the situation. Choosing Cashback Or Rewards Credit Cards By : Michael D. Strauss With the demise of balance transfers as an attractive credit card offer, cashback and rewards schemes are growing in popularity. Find out what they are and how you could profit from using them. Common Pitfalls of Credit Card Use By : Nicholas Hunt Credit cards are an incredibly popular and convenient part of modern life, but if used unwisely they can lead to financial problems. Find out how to stay out of trouble with your card. Charity Credit Cards - A Good Deal? By : Michael D. Strauss Charity credit cards are often presented as an easy way to donate to charity without any cost to yourself, but is it really that simple? This article shows how there might be more cost effective options available. About Sports Affinity Credit Cards By : Michael D. Strauss Sports affinity cards let you donate funds to your team at no direct cost to yourself, and also offer other benefits of interest to sports fans. Find out if one is right for you. Why Choose A Gas Credit Card? By : Michael D. Strauss Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card? Tricks Credit Card Companies Use To Ramp Up Your Bills By : Michael D. Strauss Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front. An Introduction To Affinity Credit Cards By : Michael D. Strauss Affinity credit cards are becoming increasingly popular, offering a new range of benefits and features. Find out what they are, what they offer, and whether one could be right for you. 10 Reasons Why Your Company Should Own a Business Credit Card By : TheBenny No matter the size of your company, be it large or small, you may still benefit from owning a business credit card. College Student Credit Cards By : TheBenny If you are a student that is looking to build your credit history while earning rewards from everyday purchases then a college student credit card is what you are looking for. Student credit cards are a great way for a student to start building their A Brief History Of Credit Cards By : Michael D. Strauss Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today. Facts for People with Bad Credit Score By : Vengat Owen Poor financial management leads to bad credit. Spending habits, forgetfulness and lack of organization result in a bad credit rating. Save with a Hotel Rewards Credit Card By : TheBenny Do you travel often? If so, do you generally stay at the same hotel chain? If you answered yes to these questions then owning a hotel rewards credit card would be a perfect fit for you. Do You Really Need A Credit Card? By : Michael D. Strauss What can you do if you want the convenience of a credit card without the risk of running up debts? There are three main alternatives you should consider. Understanding the Ins and Outs of nYour Credit Score By : Peter Bolduc As recent as a few years back, the term "Credit Score" was not very commonly used in our society. Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term. Bad Credit Credit Cards By : TheBenny Most people with a low credit rating were stuck with a secured credit card, which requires a deposit for use, or a card that had a very high variable interest rate associated with it. Neither of these options are ideal. Things to Watch out For When Applying for a Credit Card By : Peter Bolduc It would be nice to think that all credit card issuers are fair and just, however, such is not the case. Not all credit cards are the same, nor are those that issue them. Many try to take advantage of of an unsuspecting public. Below are a few pointers to look out for when applying for a credit card. How To Build A Solid Credit Rating From Scratch By : Peter Bolduc Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12 month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable rating for the rest of your life. Enjoying the Benefits of a Prepaid Credit Card By : Michael D. Strauss Prepaid cards are an increasingly popular kind of payment method. But why might you choose one over a normal credit card? Are Balance Transfers Still Worthwhile? By : Michael D. Strauss The introduction of credit card balance transfer fees has taken a lot of the steam out of the activity known as card surfing, as it is no longer possible to move debt around for free. But does this mean that transfers are no longer worthwhile? Three Reasons To Check Your Credit Card Statement By : Michael D. Strauss Opening and reading your credit card statements every month can easily be neglected in favour of other more interesting activities, but this could be a mistake. Read the three reasons you should stay on top of your statements. Clearing Up Credit Card Jargon By : Michael D. Strauss Credit card companies are almost gleeful in the amount of jargon they use, rarely using a simple word when a few obscure ones will do. Find out what some of the most common terms mean, and how they affect your choices when applying for a new card. Credit Card Basics By : Michael D. Strauss Applying for a credit card is a common online activity, but how can you decide which one to go for? Understanding the basics will go a long way in helping you to reach your decision. Does Your Credit Card Pay Its Way? By : Michael D. Strauss Most people by now aware of the potential dangers of credit cards in that it's all to easy to run up excessive debts. However, not as many people realise that using a credit card can actually be a profitable activity. Balance Transfers Plus A Savings Account Equals Easy Cash By : Michael D. Strauss The practice of shifting debt from one credit card to another to take advantage of 0% balance transfer deals isn't as popular as it once was, but a related activity is still alive and well. Find out how balance transfers could actually make you money for nothing. Is It Time To Upgrade Your Credit Card? By : Michael D. Strauss If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal? Poor Credit By : Godfrey Philander If you have poor credit, you might feel the journey is impossible. It is possible to get a credit card if you have poor credit, but it may come at a costly fee. In most cases, people with poor credit or current debt problems often believe there is no escape. Benefits Of A Business Credit Card By : Michael D. Strauss Running a business means that there are dozens of things competing for your time, and so anything you can do to streamline your operation is to be welcomed. Find out how taking out a business credit card can improve the financial side of your enterprise. Credit Cards And Your Credit Score By : Michael D. Strauss Your credit rating is the major factor in deciding what kind of credit card is worth applying for. Find out what you can expect at different levels of credit scoring. Applying for Credit – A Regular Catch-22 By : lar We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Credit - You Have The Right To... By : lar Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Equal Credit Opportunity – What Can Creditors Do? By : lar Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Your Credit and Your Rights By : lar A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Your Credit Billing and Electronic Fund Transfer Statements By : lar With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Debts and Debt Collectors By : lar You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. The Real Steal - Credit Card Loss Protection Offers By : lar If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection. What Do You Do If Your Credit or Debit Card is Lost or Stolen? By : lar Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen. How To Protect Your Debit and Credit Cards By : lar The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of ATM and debit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don't use your address, birth date, phone or Social Security number as the PIN and do memorize the number. Become familiar with the Fair Credit Billing Act (FCBA) and the Electronic Funds Transfer Act and know what your liability is. Divorce and Credit–Are You Liable? By : lar Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. Credit Insurance: Is It Right for You? By : lar The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question. Credit Repair Scams: The Warning Signs By : lar I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: What Can I Do To Improve My Credit Score? By : lar Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Comparing Credit Cards and Choosing the Card for You By : lar All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. How To Avoid Free Credit Scams On The Internet - From Shirley Dipace By : Shirley Dipace The government passed a law that allows every citizen to get a free annual credit report a few years ago. This law states that they can get their credit history because of the recent increase in identity theft. This free credit report is easily available online and will give you reports from all three of the credit reporting agencies. A credit score is not going to be provided in this instance for you to view. Getting The Most Benefit From Your Rewards Credit Card By : Michael D. Strauss Credit cards with a rewards program can be a very valuable way of profiting from your everyday spending, but to get the best out of them you need to use them wisely. Find out how to maximize the benefits you'll get. The True Cost Of Late Credit Card Repayments By : Michael D. Strauss Despite the recent reductions in the amount you're charged for making a late payment on your credit card, it's still best to avoid it when you can. Find out why there's more than a simple fee involved. Staying Out Of Trouble With Your Credit Card By : Michael D. Strauss While credit cards can certainly be convenient and useful, they can also pose dangers to your financial wellbeing. Following a few simple rules, however, will keep you out of trouble. Is It Worth Applying For A Platinum Credit Card? By : Michael D. Strauss There are many things to consider when applying for a credit card, but is being a status symbol one of them? Read why applying for a platinum credit card might not be the best course of action. Choosing Between Cash Back Or Rewards Credit Cards By : Michael D. Strauss These days, more and more credit cards are offering enticements to spend more in the shape of cash back and rewards programs. Which version is right for you? Can You Really Improve Your Credit Rating? By : Martin Sumner Your credit rating is an essential part of deciding whether you can get a loan or other finance on decent terms. If yours is damaged, is there anything you can do to improve the situation? How Do You Dispute An Error On Your Credit Card? By : lar Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next? Improve Your Credit Score By Correcting Your Credit Report By : lar If you are looking to buy a house or purchase a car, a credit check will be conducted on you. If your credit report is incorrect, you may not be able to get that house or car that you want. Make sure your credit info is correct. Keeping Track Of Your Credit Card APR By : Michael D. Strauss Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too. Credit Repair: Don't Get Scammed By : lar Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Choosing Your Credit Card Based On APR By : lar The first step in choosing a credit card is thinking about how you will use it. Credit Card Questions And Answers By : lar When choosing a credit card you should ask yourself some questions. Choosing And Using Credit Cards By : lar What are all the terms in all of those pre-approved credit card offers I keep receiving? Ever Receive A Credit Card In The Mail? By : lar If you receive a credit card in the mail, what do you do with it? What Is The Truth about Credit Repair? By : lar Got bad credit? Want to get it repaired? Can you handle the truth? The Bare Minimum You Should Expect From A Credit Card By : Michael D. Strauss The credit card has over the years evolved into a complex beast, with many often conflicting features to consider before applying. Before comparing the extras tacked on to a card, you need to make sure the basics are right if you're going to get a good deal. What Is The Credit Repair Organizations Act? By : lar Do you know what your credit rights are? Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay By : lar How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. Should You Get A Gold Or Platinum Credit Card? By : lar What are the benefits of having a gold or platinum credit card? What is the credit? By : elakelak What is the credit? Credit Information By : elakelak Credit How To Use The Fair Credit Billing Act (FCBA) To Your Advantage By : lar Have you ever been billed for merchandise you returned or never received? Ever Have A Problem With Your Credit Card Company? By : lar What do you do if your credit card bill is incorrect? Fair Debt Collection Practices Act And You By : lar If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." How Do You Establish A Credit History? By : lar Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? Negative Credit Can Affect Your Job Search By : lar Many employers run credit checks before hiring new employees. What Do You Do When You Finally Pay Off Your Credit Card Debt? By : lar After you pay off credit card debt, you may want to consider putting all of your credit cards in the blender and turning them into mulch. The weight of the credit card debt is finally off of your shoulders and you don't want to go through it again. Do You Qualify For a College Student Credit Card? By : lar Credit card companies are looking for loyal customers and have started marketing to high school and college students. Credit Card Rates And APR's By : lar Do you know how much you are really paying in credit card interest? American Express Blue Or Green Credit Cards By : lar Green or Blue? Which American Express card is right for you? What Do You Need To Know to Apply for a Credit Card? By : lar All credit cards are not the same. You need to find one that matches you and your spending habits. Self Help May Be Best When It Comes To Credit Repair By : lar Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? How To Dispute Mistakes On Your Credit Report By : lar Credit card reporting companies can and do make mistakes on your credit report. Don’t Despair With Credit Repair By : lar Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. Fiscal Fitness For 2008: Choosing a Credit Counselor By : lar Choosing a credit counselor may be the most important decision you make. How To Spot Credit Repair Scams By : lar Spotting credit-repair scams is getting harder every day. Questionable Credit Repair Offers By : lar Are you trying to get your credit repaired? You should read this. Do You Really Know How to Improve Your Credit? By : lar Repairing your credit is not a quick fix. It takes time, planning, and budgeting.
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