Saving Money with Credit Cards

 
Having a credit card is a wonderful convenience for those times when you don't have immediate access to your cash. It can allow you to purchase something on time for which you can pay later, thereby giving you the ability to afford something NOW that you'd have had to save for later. But buying on credit will also cost you money - in that way it's no different than taking out a loan to buy something that you want. There are, however, ways to save money when you buy with credit cards. 0% Balance Transfers One of the most common ways to save money with credit cards is by transferring your balance from a high interest credit card to one with a low or no-interest card....
 

How To Use Your Credit Card For Ultimate Financial Advantage

 
Using a credit card wisely is an important step in building a great credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail or online. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your payments on time each month is a simple, reliable way to build an outstanding credit report. WHAT TO LOOK FOR ON A CREDIT CARD APPLICATION If you receive a credit card application that appears to offer a low monthly interest rate, don't make a decision until you turn it over and closely examine the Disclosure Box....
 

Cash Back vs. Rewards Credit Cards

 
Ah, the sweet rewards of using credit! Not only do you get immediate gratification with the buy now-pay later plastic, but now, many credit cards offer rewards and incentives for using their card to make purchases. You can get cash back, or gift cards, or 'reward points' that you can spend on merchandise or services from various merchants. There are also cards that allow you to designate your 'cash back' points to a charity - sometimes called affinity cards - and those that put your cash back into a special savings account for college....
 

Credit Counseling: Is it Really Necessary?

 
Not everyone has a positive experience with credit counseling. Potential creditors often frown upon consumers who are going through credit counseling, denying them credit or sticking them with elevated interest rates on new lines of credit. Some consumers, who have found themselves in this situation due to credit counseling, would tell you that you can accomplish the same things on your own. It is simply a matter of educating yourself on the inner workings of the creditor you are dealing with. Many who have dealt with the negative affects of being associated with a credit counseling company, wouldn't have pursued credit counseling at all, had they known how it would affect their overall credit in the long run....
 

Maximizing Credit Card Rewards

 
In their quest to get you to sign up for their credit card, banks and financial institutions are coming up with more and higher incentives to entice you. Frequent flyer miles gave way to gas miles which opened the door for cash rebates and reward points to be used at 'our fine member merchants'. When most other things are equal (APR, annual fees, fees for transfers et al), the style of reward points and how you can make use of them can be the deciding factor in which card you choose to put in your wallet....
 

Credit Cards - A Blessing or a Curse?

 
Owning a credit card can be quite an advantage. Whethermaking online purchases, booking an air ticket or a hotelroom on the phone or simply being in need of someemergency cash, having a credit card can be a big help. However, getting a credit card is also a hugeresponsibility and if you don't keep an eye on yourspending habits, credit cards can create some seriousproblems. Here is an excellent list of tips on propercredit card use and if you follow these, you will likelystay out of trouble and your credit card will be ablessing instead of a curse: 1....
 

What You Should Know About Credit Counseling

 
Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors. Often they are able to lower your monthly payments, reduce high interest, and eliminate late charges. In addition to getting harassing collectors off your back, credit counseling can be an educational experience that you can carry with you throughout life....
 

Credit Cards

 
Credit cards are a form of unsecured credit. The issuer isextending you a line of credit, usually tacking on all sorts of little surprises in the fine print. This type of credit is probably the most commonly used. If you have a great credit rating, you're probably bombarded with offers of new cards. They usually carry no annual fees, the interest rates are reasonable (as far as credit cards go), you get close to a month's grace period and there might be some fetching initial offers, such as no interest for 6 months on balance transfers and new purchasers....
 

How to Order the Right Credit Reports to Repair Your Own Credit

 
In this week's article, I am going to offer some tips and insight regarding how to order the right credit reports needed to repair your credit. Believe it or not, a majority of the credit reports offered on the internet don't have the required information (File Number, Confirmation number, or Report number) needed to repair your own credit. So what happens? You try your best to launch a dispute (with the wrong credit report), you find it impossible, you spend more money on new reports, you get frustrated, and you finally give up....
 

Credit Score - for Scoring the Right Loan

 
Somebody once said, "There is always a way of knowing your limitations and going beyond it." It is fundamentally true with respect of credit score. There can be nothing more rewarding during loan borrowing than knowing your credit score. There are many people who are practically unaware of what their credit score is; in fact they don't even know what it means. This credit scoring system has been used since many years to decide whether a borrower is a credit risk or not. Your credit score is immensely decisive in the acceptance and rejection of your loan application....
 

Free Credit Reports: From The 3 Major Credit Bureaus!

 
Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process, clean credit is a must. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the credit bureau`s to provide you with free credit reports, at your request, once every 12 months....
 

All About Balance Transfers

 
What is a balance transfer? Should I apply for a balance transfer? It is important to remember that a balance transfer does not mean that the debt has gone away. It just means you are not paying interest on it. You will still have to maintain payments. This may seem obvious but many people do not get this straight in their mind. The basic criteria for getting a balance transfer is when you regularly have an outstanding balance after making your monthly payments. This is the amount you should look to transfer to another card....
 

Dont Trade Your Future for Todays DooDads

 
"Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do. One of the main reasons why a person gets into a financial disaster is because he/she can't wait when it comes to buy the things she wants....
 
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