05:03:05 AM Thursday, May 17, 2007
Every day you open up your mailbox and pull out junk mail. Chances are one of those pieces of mail is going to come from a credit card company offering you a 0% balance transfer interest rate. It sounds like a great credit card deal, right? But why do you see so many of these? What is the catch? Is there a catch?
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05:42:44 AM Thursday, May 17, 2007
Should you file for bankruptcy? Do you need to have absolutely no money in order to file for bankruptcy? Does bad credit have anything to do with bankruptcy? Is there a difference between personal and business bankruptcy?
Below you can find some basic information regarding bankruptcy. There is much more to know, so be sure you have all the facts before filing.
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05:49:40 AM Thursday, May 17, 2007
As frustrating as it can be, credit is more important than many people would like it to be. So many things in our lives hinge upon having credit, and not just any credit, good credit.
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03:35:20 AM Thursday, May 24, 2007
It is so easy to get into financial trouble with credit cards! You get all those credit card deals, and they have such great offers. You start out with a few consumer credit cards. Maybe you had a cash back card and a frequent flyer credit card. It only made sense to get a gas card when the cost of gasoline went up.View full story Comments (0)...
02:49:05 AM Thursday, May 31, 2007
Sure, it may seem like free money when performing balance transfers on a card that offers a zero percent interest rate on its balance transfers. What the credit card companies won’t tell is that this can result in high credit debt and a pile of problems.View full story Comments (0)...
06:53:10 AM Wednesday, June 06, 2007
When you first get out on your own in the adult world, you quickly discover that, at least in developed countries, it’s hard to survive without credit. You also discover that, without a credit history, you can’t get credit. It’s one of those frustrating Catch 22 situations that doesn’t seem to have a solution.Chances are good, though, that, just like everybody else, you’ve received several credit card deals in the mail. If you went to college, you probably saw them all the time. You may even have applied for one or two—and been turned down because you had no credit card history.
If you pick through those credit card deals and choose the right ones, you can use them, along with some other simple steps, to build your credit history.View full story Comments (0)...
07:35:32 AM Wednesday, June 13, 2007
Credit card companies have come up with another way to get people to want to use their products: rewards programs. These have become very popular with people looking to get a new credit card deal because it offers the consumer something in return for spending money with that card. In most cases, you earn points based off of the purchases that you make. After accumulating a lot of these points, you are able to redeem them for whatever the card allows. This means you can save money on hotels, airlines, restaurants, etc. Other times you receive a gasoline card and are able to save money on gas.View full story Comments (0)...
03:21:34 AM Thursday, June 21, 2007
What bargain hunter isn’t going to love a great deal! If you love great deals and love the fact that you are saving money with certain things then you will love shopping for a lower interest credit card. Credit cards with low interest and low APRs make many people happy because no one likes paying interest on anything. If you already have a credit card but feel as if the interest rate is too high, then go out and compare the best credit cards online and see if you can find a better deal. With credit card companies being so competitive nowadays it is usually easy to find a better deal no matter what!View full story Comments (0)...
07:53:33 AM Thursday, June 28, 2007
Credit cards are great assets to add to your financial arsenal and great credit card deals can provide some heavy firepower to help you get out of some sticky situations. Remember though that nothing in life is free and with these good credit card deals come great responsibility.View full story Comments (0)...
11:12:23 PM Wednesday, July 04, 2007
Credit card companies are now offering zero percent interest on balance transfers to other cards in an effort to get more customers. These credit card deals can be very beneficial to some people if they know what they are doing. What the card companies are hoping for is that people do not understand every aspect of the balance transfer and fall into the penalties. If you are going through with a zero percent interest balance transfer, there are some things you need to consider so you can stay out of the card’s penalties.View full story Comments (0)...
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I am looking for a great balance transfer offer, however I see that even though there are lots of 0% APR offers for balance transfer, there is still a BT fee of 3% on most of the offers. I'm looking to transfer $6,000, which would mean a $180 fee for me. Is there a way to avoid the fee? Are there offers with no BT fees and 0% APR on BT for 12 months?
Answer:We would like to suggest you not to hunt after balance transfer credit card deals without fees. The best balance transfer offers usually have 12 months introductory period with 0% APR. There are some offers without fees, but they have much shorter introductory period. We advise you More Card by Discover. This card has 12 months 0% APR intro period, no annual fee, low APR on purchases and more!
August 12, 2008
Credit consumers, who want to highlight their financial standing, can find credit products that will fit their interests. There are the so-called status-credit cards on the market. Customers can choose silver, gold, platinum or black credit cards. All of them give certain privileges and that very status to their owners.
What is interesting, you do not even need to have excellent or good credit and really high income to get one of the status credit cards. They are available to bad credit owners as well. Let's take a closer look at Gold credit cards. Learn more about features, options and services that Gold credit cards offer.
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August 01, 2008
Shopping is an integral part of our lives. Some people love it; others cannot stand hanging around stores in the search of necessary items. But still, everybody shop. You wonder what can be so irritating about going to a supermarket, a mall or just a grocery store? Aside from an inborn aversion to the process of shopping, there is one thing that can lay a bad trip on even the most avid shopaholic.
Imagine, you come back home after another shopping spree, unpack your purchases and find out that one of them is defected or damaged. This can really bring you down. And not in all cases you will manage to exchange the item or get your money back. At this point, a credit card deal with consumer protection on credit card purchases is a good choice to make.
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July 08, 2008
The Federal Reserve recently proposed to take measures in order to eliminate unfair credit card practices performed by credit card companies and banks. The Fed also suggested toughening rules and regulations for lenders. Hidden credit card fees, unreasonable interest rate hikes, unfair charges, aggressive anti-delinquency policy and other abusive credit card practices are promised to be banned.
This would definitely bring a relief to credit card holders. But how will creditors tolerate such a policy? Banks and credit companies still trying to make up for the losses caused by credit crisis and trying to survive in the conditions of economic recession, are upset with such Fed's moves, to put it mildly. But whose prayers - lender' or borrowers' - will be heard by the Fed?
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