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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. 5 Tips For Improving Your Credit Score By : lar Is your credit score in the low 600's? Do you know what your credit score really is? 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. 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. Accurate Negative Information And Controlling Your Debt By : lar Checking your credit report for inaccurate information is essential. Your credit score depends on it. Always Protect Your Credit Cards By : lar You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. American Express Blue Or Green Credit Cards By : lar Green or Blue? Which American Express card is right for you? 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. An Introduction To Credit Cards Rewards By : Michael D. Strauss Credit card rewards programs can be a powerful incentive to use your card more often. How do these programs work, and how do you benefit? Anyone Can Qualify For A Major Credit Card By : lar Is it really true that anyone can qualify for a major credit card? 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. 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? Are Credit Cards An Essential Part of Life? By : Michael D. Strauss Credit cards have become almost totally integrated into modern life and today most adults carry at least one. Are they now an essential part of everyday living? 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. Are You Managing Credit And Debt Or Is It Managing You? By : lar Who is in control – you or your credit card? Are You Monitoring Your Credit? By : lar If you are not monitoring your credit and your credit reports, you may be in for a big surprise. Avoiding the Pitfalls of Everyday Purchasing with Credit Cards By : Michael D. Strauss Credit cards are so easy to use, we can end up paying for everything with them. To avoid financial penalties, however, you need to stay on top of how you're using your card. 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. 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? 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. 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. Benefits of a Prepaid Credit Card By : Michael D. Strauss If you can't get a credit card because of a poor credit history, or you simply don't want to risk racking up debt on one, then a prepaid credit card could be what you're looking for. Find out what they are and how they work. 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? Cash Back Credit Cards Reward Regular Spenders By : Michael D. Strauss Credit cards which offer cash back or rewards schemes can offer great benefits to their holders. However, as with all types of finance, they're more suited to some applicants than others. 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. 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. Choosing And Using Credit Cards By : lar What are all the terms in all of those pre-approved credit card offers I keep receiving? 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? Choosing Between Credit Card Rewards Or Low Interest By : Michael D. Strauss Credit card rewards can be a valuable feature, but usually come at the cost of a higher interest rate. Which is more valuable to you, rewards or low interest? 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. 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. 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. Collection Agencies And Your Rights By : lar What are the rules and regulations governing collection agencies? 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 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. 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. 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. 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. 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. 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. Credit Card Claims and Defenses By : lar Sometimes you have a dispute over goods or services that were defective or not delivered. Credit Card Debt And Security Risks By : lar An individual who is financially overextended is at risk of engaging in illegal acts to generate funds. Credit Card Disputes And Billing Errors By : lar State and federal laws give you the right to dispute credit card billing errors and have them corrected. This article explains how to handle billing disputes with your credit card company. Credit Card Questions And Answers By : lar When choosing a credit card you should ask yourself some questions. Credit Card Rates And APR's By : lar Do you know how much you are really paying in credit card interest? Credit Card Words to the Wise By : lar If you are considering getting a credit card, here are some words to the wise to keep you out of trouble. 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 Cards And Scams By : lar The bad guys are always coming up with new ways to part you from your hard earned money. 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. Credit Cards Can Help Establish Your Credit Worthiness By : Michael D. Strauss Credit worthiness is a very valuable aspect of your life and will have strong affects on your future. Find out how using credit cards can influence it to the good. 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. 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. Credit Information By : elakelak Credit 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 Companies Provide No Cure for Your Credit Ails By : lar Can credit repair companies really fix your credit seemingly overnight? 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. Credit Repair Scam Tips By : lar Things to think about before you hire a credit counseling/repair company: 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: 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. Credit Report Questions and Answers By : lar What is a credit report (also known as a credit file or profile)? Credit Reporting And Your Bottom Line By : lar How do credit reports affect your bottom line and what can you do to improve your credit score? Cutting Through The Complexity Of Credit Cards By : Michael D. Strauss The wealth of features available on today's credit cards means that it can be a difficult task to decide between them. How do you choose one that's right for you? Dealing With Debt By : lar Credit card debt can be an extreme burden but you can dig yourself out of debt. Debt Collection And The Law \| Know Your Rights By : lar Are creditors hassling you at all hours of the day and night? Is this legal? Debt Money and Happiness By : lar Money doesn’t create happiness, but the lack of money, or excessive debt, can destroy it 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. Do You Have Healthy Credit? By : lar Have you ever wondered about credit reports, credit scores and how to protect your personal information? Do You have Negative Credit Information in Your Credit Report? By : lar Your credit report may contain incorrect or negative information about you. Check yours today for free and get it corrected. Do You Know How To Spot Credit Repair Scams? By : lar If you have poor credit, don't be conned into quick fixes. Do You Need Credit or Insurance? By : lar Your credit score helps determine what you’ll pay for credit or insurance. 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. 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. 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. 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. 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. Easy Steps to Repairing Your Credit By : k Repairing your credit standing can be a big job but still a must to be able to get future loans. It will take some time since what has happened in your credit report will be there for some time (experts say seven years). Effective Use of Credit Card Balance Transfers By : Michael D. Strauss Using a credit card balance transfer facility is not as popular as it once was, but it can still be a very effective way to handle debts. Find out how to make the most of this useful feature. 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? 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. Ever Have A Problem With Your Credit Card Company? By : lar What do you do if your credit card bill is incorrect? 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? 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. 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." Fiscal Fitness For 2008: Choosing a Credit Counselor By : lar Choosing a credit counselor may be the most important decision you make. 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. Free Credit Report By : Al Zan Consumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The systems in each country are different, and this article explains how consumers can go about getting a free credit report if they live in one of these countries. 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. Get On The Road to Financial Recovery (Part I) By : lar If you have gotten yourself into debt, don’t despair. You can help yourself get your life and your good credit reputation back. Get On The Road to Financial Recovery (Part II) By : lar Learn how others can help you help yourself on the road back to financial recovery. 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? Getting Credit When You’re Over 62 By : lar Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women may find it difficult to get credit. Getting Free Credit Reports By : Michael D. Strauss Your credit rating is a valuable asset which you need to keep an eye on. Did you know that you can get three free credit reports every year? Getting The Best From Balance Transfers By : Michael D. Strauss While credit card balance transfers are perhaps not as popular as they once were, they can still offer great benefits if used properly. Find out how to make the most of the facility. 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. Grab a Slice of the Cash Back Action By : Michael D. Strauss Cash back credit cards are one of the latest and most popular crazes to sweep the personal finance industry. Find out why you should grab a slice of the action too. How Do I Get A Home Equity Credit Line Of Credit? By : lar Sometimes it makes sense to use the equity in your property and borrow money against the value of your house. 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? 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? 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. How The Web Makes Getting A Credit Card Easy By : Michael D. Strauss The days when you had a limited choice of credit cards are long gone. The web makes it easy to compare hundreds of cards and apply online to get a quick decision.
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