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10 Dangerous Myths about Credit Cards
By :
Paul Basco
Credit cards can expand the buying power of a responsible user in the know, but those who aren't careful can quickly have their credit rating crippled and rack up huge debts. Read up on some of these common, but dangerous myths about credit cards to prepare yourself for the world of plastic.
4 Steps If You've Been Denied For A Credit Card
By :
John Wiley
Too many people assume that they will get approved for a credit card right away just for applying. But, remember, credit cards do a very good job researching your background, many people get denied daily.
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.
A Credit Card for the Honeymoon Couple
By :
Ajeet Khurana
Using credit cards can be a joy or a pain. It all depends on how responsible you are.
A Guide for Student Credit Cards
By :
Edward Vegliante
Oh, what a wonderful and terrifying time going off to college can be. Moving away from home and making it on your own is a huge step. You have taken all of the right classes to prepare you to succeed as a college student. But, you need the proper education outside the classroom in order to succeed. That includes knowing how to handle your student credit cards.
A Vacation in the Making with Flyer Miles Rewards
By :
Derek Lenehan
A brief look at Bank of America and how the company rose to be the leading credit issuer.
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.
All About Choosing the Best Credit Card
By :
WilliamKing
Choosing a right credit card can be a difficult task if you don’t know some of the important points about credit cards. In today’s age when the rate of interest is more or less the same, it becomes easy to make a choice based on the various incentives and reward schemes. Against the popular belief there is a wide difference between different kinds of incentives offered. Another pointer that you can keep in mind is to look out for balance transfers.
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.
Applying for a Credit Card Online
By :
D Slone
Applying for a credit card has never been easier. There is no longer a need to wait around for weeks or months waiting for an answer, now you can get your response almost instantly. There are many hundreds of credit card companies that are competing for your business. Be sure to compare what different companies have to offer so that you can get the best terms.
Applying for credit cards
By :
Miguel Hernandez
Credit cards were first introduced in the 1950's and have not looked back since, almost every working person in the United States today has either applied for, or has a credit card to his name. No matter what use you have for your credit card, there is a credit card that caters to your requirements. From student credit cards, to celebrity credit cards, there is nothing that a credit card cannot buy. Reasonable interest rates, and flexibility have made credit cards even more attractive and easily accessible to people.
Applying For Your First Credit Card: What Every Student Should Know
By :
Larry Goldberg
The first step in applying for the student credit card to fit your needs is to choose the right card, of course. There are lots of different kinds of credit cards out there, and choosing the right one is essential to meeting your needs.
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.
Avoid The Sting If Your Credit Get Blocked
By :
Bob Larson
Credit card blocks can cause major problems. Learn what they are and how to avoid them.
Avoiding Big Problems with a Little Time Spent Transferring Balances
By :
Derek Lenehan
The lighter side of credit cards. Some much needed satire about balance transfers.
Bad Credit Credit Cards - Prepaid, Secured, or Unsecured
By :
Arthor Pens
Bad credit credit cards are considered the best choice for credit card deals if your credit score is below 550. In today's market there are many companies offering credit cards that are designed for bad credit.
Bank of America - A long road to the countries top credit card issuer.
By :
Derek Lenehan
A brief look at Bank of America and how the company rose to be the leading credit issuer.
Bank of America Credit Cards: A Look At The Top 3
By :
Edward Vegliante
“B of A” is one of the countries top credit card providers, and their Higher Standards certainly extends to this product line as well. This article takes a quick peek at the Bank of America Platinum Visa, the Bank of America Visa Signature with WorldPoints, and the TripRewards MasterCard by Bank of America.
Big Savings With a Low Intro Card, If You Can Follow The Rules. All of Them.
By :
Derek Lenehan
Low Introductory credit cards can save you money. But read and follow all the terms.
Building Your Credit From No Credit or Bad Credit
By :
Paul Basco
Building credit from no credit or bad credit often seems to be a catch-22. Most credit card companies and lenders will not open an account for you or give you a loan if you don't already have an established credit history, but you can't establish a credit history without opening a credit card account or applying for a loan! Luckily, there are ways to break into building your credit score, even if you have no history or bad credit history. The secret is to start small and stay responsible.
Business Credit Cards - Advantageous in Many Situations, Large and Small
By :
Derek Lenehan
Why selecting the best business credit card can be an elusive and moving target.
Cash Back Cards - Slightly Less Rewards, But as Versatile as, Well, Cash
By :
Derek Lenehan
Cash Back credit cards provide a smaller percentage of rewards. But are a necessity if you want to stay in control.
Cash Back On Everything You Buy Can Add Up
By :
Derek Lenehan
Cash back credit cards can generate some substantial savings. That can add up over time.
Changes to the way credit card fraud is reported could reduce bureaucracy
By :
Andrew Regan
From Sunday, April 1 2007, credit card consumers in England, Wales and Northern Ireland will have to change the way they report instances of credit card fraud.
Changing With the Ever-Changing Times
By :
Ajeet Khurana
Life today has become very convenient. Credit cards are making it more so.
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.
Chase - Steadfast, Versatile, Competitive, and Rewarding
By :
Derek Lenehan
The image of Chase Bank if different to many people. But everyone has one.
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.
Citibank - Large, Established and Still Accommodating
By :
Derek Lenehan
Citibank can still handle the individual account holder. Even as one of the largest banks in the world.
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.
Common Practice of Very Responsible Credit Card Users
By :
Paul Basco
Most of the advice surrounding credit cards is a laundry list of don'ts and warnings. But in order to use credit cards responsibly and build a good credit score, there are a couple practices you'll want to remember.
Comparing Credit Cards to Find the Right Card
By :
Ajeet Khurana
There are so many different credit card offerings. How do you choose from among them? Simple make a basic comparison across credit cards. Here's how.
Comparing Credit Cards to Get the Best Deal
By :
D Slone
Banks and credit card companies are in stiff competition with one another to gain your business. Each of them will offer various types of credit cards with incentives such as rebates, point plans, deferred interest charges and other perks. Before you make that all-important decision about which credit card company you will choose it is very important that you examine each bank or credit card company has to offer.
Controlling Your Credit
By :
Merry Bolton
Are you still using a pen and paper to calculate how much credit card debt you have made and to make up a plan of its repayment? If you are able to keep all the numbers in head and operate them easily, it’s great. But today there is a special soft to help you do that. It will help you kill off your debt quickly and effectively!
Creating a Great Credit History
By :
Bobbie McKee
A good credit history is essential in today's society. Traditionally, you only had to worry about having a good credit history for credit cards and large purchases such as home and automobiles. However, good credit is vital in even the smallest financial transactions, like getting your utilities turned on or establishing cellular phone service. When you don't have good credit, these service providers require you to pay a deposit to establish service. Start building a good credit history as early as possible to avoid paying hefty deposits.
Credit Bureau Reporting, a Bonus of Easy Approval Cards
By :
Derek Lenehan
Easy Approval credit cards are easier to get but dig deeper into your wallet. The upside is that you may not need them for long.
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 :
Bobbie McKee
Many people get in trouble with credit cards because they don't fully understand how the card works. Most people only know that they get a piece of plastic in the mail that they can use to swipe in stores and pay the bill later. Understanding how credit cards work can help you use them responsibly.
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
By :
Godfrey Philander
For those people who consider having a credit card indispensable but afraid of getting one because of the possibility of credit card debt nightmare, you must remember that credit card can be a powerful tool in managing your finances but there will always be glitches when not used properly.
Credit Card Debt Relief Services
By :
Arthor Pens
Consumers will find that debt relief from your credit cards can take on many different forms. The first step that you as the consumer should take is to owe up to whatever it is that you owe and what about your spending habits needs to be changed.
Credit Card Mythology 101
By :
Larry Goldberg
On campus for the first time and you feel like you should apply for a student credit card to celebrate your freedom? That’s a great idea, but before you fill out that first application, let’s examine some of the most popular credit card myths out there.
Credit Card Options For Rebuilding Bad Credit
By :
Arthor Pens
It can be hard to find a credit card to help rebuild your credit when you have had credit problems such as a bankruptcy...
Credit Card Security - How Can You Protect Yourself?
By :
Adam Singleton
Total card fraud across the UK fell by three per cent in 2006, but it's still vital to protect yourself against this particular form of identity theft - especially if you use your card to make online payments.
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 are Sure Way to Bankruptcy?
By :
Juana D.Wilson
Are you in debt up to your eyeballs? Have your bad spending habits led you to unmanageable financial situation and it is not likely you are going to settle it yourself? There is a way out. File for bankruptcy and start a new credit file. We are disclosing the truth about bankruptcy and the truth is – it helps you back on you feet.
Credit Cards For People With Bad Credit- Facts
By :
Arthor Pens
Credit cards for bad credit are certainly not going to be the best credit deals, but credit cards for people with bad credit might the only options available.
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 Repair Companies Provide No Cure for Your Credit Ails
By :
lar
Can credit repair companies really fix your credit seemingly overnight?
Credit Repair Scam Tips
By :
lar
Things to think about before you hire a credit counseling/repair company:
Credit Score 101
By :
B
Your credit score is a numerical indication of your credit worthiness. It is the primary factor that creditors and lenders use to decide whether or not they should extend credit to you. You may also hear the credit score called the FICO score. This name comes from the Fair Isaac Corporation, the company who is credited with developing the system that comes up with the credit score.
Credit Score Information
By :
Robert Woods
Do you know that it is essential for you to learn what your credit score is? This is among the details of your credit account which you should be knowledgeable of. This way, you will be able to know what you have to do or change so that you can increase your rating.
Dissecting Credit Card Offers
By :
Ajeet Khurana
Understanding credit cards is vital. Interestingly, these pesky little pieces of lovable plastic can occasionally be tough to understand.
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 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.
Electrifying Rewards for Credit Cards
By :
Ajeet Khurana
Credit cards offer a lot of bonuses. How do you make the most of them?
Enticement for Unsuspecting Customers
By :
Ajeet Khurana
Every business is promoting sales by giving freebies. They say that this brings in the customers.
FICO Soon to Ignore Credit of Authorized Users
By :
Bob Larson
Changes to FICO formula aimed at preventing credit renting. Over 30% of consumers may feel the impact.
Finding a Great Credit Card Offer
By :
Bobbie McKee
On most days when you check your mail, your box is infested with offers and applications for credit cards. How do you know which companies are presenting you a good deal, and won't take over your checkbook with inflated finance charges and veiled fees in the future?
Finding A Low Interest Rate Credit Card
By :
JD Theis
Credit cards are not only a great way to be able to afford things, they are also an essential part of getting good credit. When we are young, we never think about how our credit score will affect us later down the road. A bad credit score can stop you from getting a loan, a car or a house! It is essential that the credit score stays as high as it can, and credit cards are an excellent way to help you get a good credit score. Sometimes it is tricky, though, choosing which credit card to apply for. Everyone wants a low interest rate credit card, but not everyone may qualify for one. In order to get the credit card that is right for you, you need to understand exactly how credit cards work, and what the various fees on a credit card may be.
Finding The Right Credit Card
By :
Arthor Pens
Some people feel loyal to certain credit card companies, it's only natural when you've had them for so long, but why not see if they can offer you a better card?
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.
Flyer Miles - Helping To Transform That Dream Vacation Into Reality
By :
Derek Lenehan
The wide range of frequent flyer miles credit cards all have one thing in common. A blissful vacation.
Gas Reward Cards - An Extra Gallon Can Truly Help
By :
Derek Lenehan
Don't wait to start amassing your gas rebates. You don't know when you may need them.
Get a Credit Card With Bad Credit
By :
Arthor Pens
Nowadays it’s easy to get a credit card with bad credit. Several credit card companies are marketing bad credit credit cards to meet the demands of persons who have somehow earned poor credit scores. Whether for reasons of unemployment or medical emergencies or for reckless spending, adverse credit rating is a common feature now.
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.
Getting a Better Interest Rate for your credit card
By :
Paul Basco
Believe it or not, your credit card terms are not set in stone. One of the secrets to saving money is by reducing costs on the small things over long period of time. Getting just 1% shaved off your interest rate on your long-term credit can add up to hundreds, or thousands of dollars worth of savings. If you can prove to your credit card company that you are a responsible and loyal customer, you can often convince them to give you better terms.
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 A Credit Card With Bad Or No Credit
By :
Arthor Pens
So you have decided that you want to get a credit card only you may have credit that is not so hot or even no credit history what so ever.
Getting Credit Cards after Bankruptcy
By :
WilliamKing
It is no longer difficult to clear your debts and get a credit card after declaring bankruptcy. In fact declaring bankruptcy is a good beginning to making a new start. One can opt for either secured or unsecured credit cards after bankruptcy. However getting a credit card after bankruptcy is expensive owing to high interest rates and lower credit limits. Once you have a new credit card try to rebuild a good credit report to avoid future worries.
Getting Credit Repair After Bankruptcy
By :
Paul McDermott
You have made the tough but necessary decisions to get your finances in order, and have gone through the bankruptcy process and now plan on getting your credit back in order. Can you really do it and if so, how do you do it and how long will it take?
Getting Out Of Credit Card Debt
By :
Arthor Pens
If you are simply paying the minimum balance on your credit cards each month it’s time to get a serious plan in place to get your credit card debt paid off.
Give online comparison sites some credit
By :
Andrew Regan
Comparison sites help alleviate the challenge of finding a suitable credit card amidst the muddle of offers.
Green credit cards - because even eco-warriors need credit!
By :
Andrew Regan
According to a recent survey by APACS - the UK trade association for payment providers - the demand for green credit cards has continued to rise.
High Interest Credit Cards
By :
Arthor Pens
Most high interest credit cards are usually easy to get, if you have had bankruptcies, judgments or just have a bad credit rating, high interest credit cards might be the only option.
Hold That Piece of Plastic Close to Your Heart
By :
Ajeet Khurana
Imagine a world without credit cards. Scary concept. So, make sure to keep that credit card safely.
How Bankruptcy Laws Work
By :
Letha Lashley
Heading toward bankruptcy is usually something that most people don't even consider having happen in their lifetime. But statistics today prove differently. The reality of bankruptcy today is that there are increasing numbers of people that are entering the bankruptcy system. The different chapters of bankruptcy (chapter 7, chapter 11, chapter 13) are becoming more and more prevalent today.
How Can A Bankruptcy Affect Your Chances Of Getting A Credit Card
By :
Arthor Pens
Many consumers are under the impression that if you end up in a bad credit situation that leads into bankruptcy that there is no chance of getting a credit card ever again. Well this is not the case as it is very possible...
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 Prepaid Credit Cards Can Steal Your Money
By :
Paul McDermott
Imagine my frustration - I had found an old Beatles CD I had been looking for in an online auction site but my prepaid gift card was being refused as payment. I knew I had exactly enough money left on the prepaid debit style card for the LP and shipping because I had just checked my balance - what could be the problem? To be sure, I dialed the 800 number on the back of the prepaid gift card again and punched in the card numbers. The automated voice told me that my prepaid balance was now $2.00 less than it had been just minutes before, and I had not even used the card!
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.
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.
How to Choose and Use Bankruptcy Credit Cards
By :
Bobbie McKee
One of the major effects of bankruptcy is the damage to the person's credit standing.
How to get the best credit card?
By :
Verena Veneeva
This article will suggest how to select the best deal on your credit card and how to avoid credit card traps
How Your Credit Score is Calculated
By :
Paul Basco
Knowing how to understand your credit score is a powerful tool for keeping your credit history in good standing and negotiating better terms from lenders. But keeping good credit takes a little bit more than just being aware that your actions are being recorded.
HSBC - A Company As Diverse As Its Offerings
By :
Derek Lenehan
A summary of the long history of HSBC. Both in the United Sates and overseas.
Information on How to Choose a Credit Card
By :
Bobbie McKee
These days it seems that credit cards are the prevailing method of making purchases. To those who are new to credit, choosing a credit card might seem like a simple task, especially when you are inundated with credit card offers. However, you shouldn't apply for just any credit card offer you receive in the mail.
Is an Offshore Credit Card a Good Investment
By :
Andrew Ray
In recent times the standard offshore investor has been allowed the ease of a credit card. Until that time, individuals with offshore bank accounts had to withdrawal cash from their banks or have money wired back to them. The advent of the offshore credit card has taken care of this dilemma. Now offshore institutions offer Visa or MasterCard credit cards and can give their investors more plasticity and convenience.
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?
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?
Lies Credit Card Companies Tell
By :
Paul Basco
It's a sad fact-credit card companies make big money off of your mistakes. And in order to make those mistakes more frequent, credit cards have a couple creative ways of phrasing things to mislead you. Read on to learn how to decipher the truth from the lies.
Making Cold Calls Count
By :
Ajeet Khurana
Nobody likes getting cold calls. However, some cold callers might be blessings in disguise.
Making the most of a Credit Card Balance Transfer
By :
JD Theis
It used to be that if you wanted to buy something, you either had to have the cash readily available, or you had to have something to barter with. Then came the invention of loans, which allowed people to borrow money from a lender, such as a bank, in order to purchase things they needed for their business or homes. A little later, credit cards were invented. Credit cards allow you to purchase things now, and pay for them later. The credit card business is big business in today's world. Companies make their money by charging not only interest, but finance charges. Sometimes the interest can be over 16%, which can be very difficult to pay off. This is when a credit card balance transfer can come in handy.
Many Ways to Save at the Pump with a Gas Reward card
By :
Derek Lenehan
Everyone could use the savings of a gas reward card. And all the banks are offering one.
Money in a Whole New Avatar
By :
Ajeet Khurana
The face of money is changing. Will credit cards soon become our currency of choice?
More Credit Score Changes Looming
By :
Bob Larson
Capital One to start submitting credit limit information to FICO. Credit Score changes may occur.
Mortgage loans - Information for first time buyers
By :
Robert Woods
The biggest challenge for most first-time home buyers is saving up enough money for a down payment especially in markets like San Francisco and New York City, where home prices have soared over the last few years. But thanks to a growing assortment of financing options, it's increasingly possible to find mortgages for as much as 97% of a home's value. In other words, you could put down as little as $5,514 for a home that costs $183,800, the national median in 2004, according to the National Association of Realtors.
Newer Approaches to Payment
By :
Ajeet Khurana
We have access to various kinds of payment these days. Which do you think will soon become the preferred mode?
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