Credit Card Dirty Tricks

 
There are many of us that have been badly stung by credit card companies that have charged exorbitant fees to use their credit cards. Several years ago an APR of 25% to 29% was common place which in simple terms means that if you borrow Ј1,000 your interest on that money would be Ј250 to Ј290 a year. Criminal when you think of it but I suppose we have to consider interest rates were much higher 8 to 10 years ago and there were fewer credit card companies on the market. Today the low interest rates that we are experiencing have spurned hundreds of loan and credit card companies cashing in on the cheap cost of borrowing....
 

How To Choose A Credit Card

 
Your credit score may just be a little number, but it packs a big punch. A poor credit score can keep you from getting a mortgage or a car loan. In addition, your credit score may haunt you for a long time if it suddenly drops. Of course, if you have a good credit score it opens a lot of doors for you. This is just one reason why it is important to think about which credit card you apply for before you do. Every time you apply for a credit card, the company has to check your credit score. This is a bad thing....
 

Shoppers Beware - Tis The Season

 
It's the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting consumers. Here are some tips to help you safeguard your identity and other valuables: 1) Protect your account numbers - Most stores only print the last four or five digits of the charge account on your receipt. However, some stores haven't caught up with technology. If the merchant makes an impression of your charge card, be sure to ask for any carbons that are part of the receipt....
 

Finding What is on Your Credit Report

 
A credit report is basically a file about you kept by lenders and banks. As annoying as it may be, it's still perfectly legal for them to gather all sorts of details about you. In turn, you have the right to check this file - and you should do so and inquire regularly about your credit report and your credit score, particularly when you plan a big financial change, for instance, before applying for a loan or a mortgage, you should always take time and review your credit report. This allows you not only to plan your moves accurately, but also to dispute any mistakes that might occur in the report....
 

The Advantages of Credit Cards

 
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. Even better, you don't have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated....
 

Some Truth About Credit

 
Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power. No matter who you are or what type of business you are considering, credit is a vital component to be considered when developing your business idea and business plan. Your credit history and status will always be a factor when lenders consider financing your entrepreneurial endeavor. No matter what type of loan, even loans for those who may struggle to acquire traditional financing, such as the SBA funded micro loan, will consider credit as one of the underwriting factors....
 

Which Business Credit Cards with Reward are the Best?

 
Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet. The Platinum Business Credit Card with rewards from American Express is a great offer. It has a introductory 0% APR, and has a low 4.99% fixed rate for balance transfers made within the first 45 days. Perfect for those with good credit, you can get a decision within 60 seconds, when you apply online. Citibank also offers great business credit cards with rewards that could help you and your business....
 

Using Credit Cards Wisely

 
"I think money was stolen from my card" or "I might have blocked my card in the ATM" - these are frequent problems that bank customer-support officers usually hear from agitated clients. Incorrect use of credit cards or wrong interpretations of their functions are frequent even after tens of years of credit-card extensive use. Actually, there are 4 most frequent causes for problems; one is related to overspending, the second is about missing money; this is usually connected to the 3rd problem - unauthorized use and finally there is the issue of forgotten information....
 

Collection Agency Secrets for Collecting on Bad Debt

 
Getting worried that one of your clients, customers or patients will never pay? Have you given up on a customer who's essentially said he won't pay? Congratulations--being stiffed by a customer or patient is a milestone in the growth of a business or medical practice. But even the most hopeless of bad debts can sometimes be collected-collection agencies have been doing it for years. Here are six of their secrets. 1) Don't just call, write. 2) Don't ask if, ask when. This leading also recommends that you try to get your debtor to set a date for paying you back....
 

Are 0% Credit Cards Reaching Their End?

 
Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no wonder these companies are concerned they aren't making any money. Many customers who take advantage of these offers move once the 0% period has expired. These credit card companies are now using smart tactics to grab back a chunk of money that they have lost through these deals....
 

Credit Scoring: What You Dont Know Can Hurt You

 
You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. For example, you may understand that when you apply for a mortgage, the mortgage company will check out your credit score. But did you know that the interest rate you can get on your mortgage - and on credit cards - will depend heavily on your credit score? Did you know that more and more employers will check your credit score when you apply for a job, and that insurance companies may raise your premiums or even cancel your insurance based on your credit score?...
 

ChexSystems: Who They Are and How it Affects You

 
It provides its members with what it calls deposit account verification services. The members use the information that ChexSystems provides to identify applicants that have had what they classify as a suspect banking history. ChexSystems maintains a central database containing all of the information that has been reported to them. This information is shared among the network of member banks and credit unions to assess the level of risk in opening new accounts. When someone applies to open a new checking account at a ChexSystems member bank, a ChexSystems inquiry is made....
 

Learn How to Improve Your Credit Score

 
Having a damaging credit record can hurt you in many ways. It may prohibit you from making an important purchase such as a home, car, computer or vacation. Without a healthy credit report you are severely limiting yourself from possible lenders. If you do find a lender you will undoubtedly be charge exorbitant interest rates far exceeding what recipients would receive if their credit history is in good standing. So how can you fix your credit score if you've been less than diligent with repayments to creditors?...
 
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