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  • A Guide toManaging Credit Card Debt Now  By : Lane Wright
    If you are like most people, you are worried about managing credit card debt. This sort of debt will be particularly bothersome because the annual percentage rate, or APR, can be fairly high. APR is the annual interest rate percentage you're charged. This number is compounded, which means that any interest charges you have accrued throughout the prior cycles, but have not as yet been paid off, can be charged additional interest. In effect, you are paying interest on your interest charges. Thus it is important to reduce your outstanding balances every time possible.
  • The Top Modifications to Reduce Credit Card Debt  By : Lane Wright
    Credit card debt is amongst the worst sorts of obligation. The rationale for this is that the interest rate on this kind of debt obligation tends to be among the highest allowable by law.

    You need to reduce credit card debt before it ruins your fiscal status. Do you happen to have large balances on your credit cards? Do you permit a balance on those accounts each month by not repaying the complete quantity due? Do you simply pay absolutely the bare minimum required? Are you charging your basic living expenses? If you answered yes to these questions, you are doubtless living well past your income. You need to re-evaluate your standard of living and the alternatives that you are making. Here are 5 lifestyle alterations to help you to live within your income.
  • 3 Easy Ways of Managing Credit Card Debt  By : Lane Wright
    Managing credit card debt will be a daunting task for people. The balances will add up rather quickly. In our culture, folks are bombarded with ads telling them that they need to buy a multitude of products. Peer pressure will play a role too. Folks see their friends with the most recent electronics, clothes, and alternative goods and believe that they themselves want to have these product too.
  • Settle Credit Card Debt  By : David Pasternak
    Have you ever overextended yourself by financing far too much cash on your credit cards? Do you feel that you may never be in a position to pay back the big obligation that you have got built up? You'll be able to get out from this mountain of debt on your own. You can escape this dilemma. and you can settle it by yourself.
  • Five Modifications to Reduce Credit Card Debt  By : David Pasternak
    Credit card debt is among the nastiest types of debt. The reason for this is that the interest rate on this kind of debt obligation tends to be among the highest permissible by law.

    You need to reduce credit card debt before it ruins your fiscal standing. Do you have large balances on your credit cards? Do you permit a balance on these accounts each month by not paying the complete amount due? Do you simply pay the absolute minimum required? Are you putting your basic needs on your credit cards? If you answered yes to these questions, you are doubtless living well beyond your means. You need to have another look at your standard of living and the choices that you're making. Here are 5 lifestyle alterations to help you to live within your means.
  • 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.
  • Select The Best Low APR Credit Cards  By : Robert Alan
    Hunting for low APR credit cards has become easier with the advent of the Internet where you can draw an easy comparison (from the various options available to you at the click of a mouse) as to which low APR credit card will be the best for your needs. The article below provides the complete informational lowdown on low APR credit cards.

    Low APR credit cards charge you an interest rate even lower than the standard APR. The lower the interest rate or APR, the cheaper the c...
  • Keep College Student Credit Cards Under Control  By : Bill Hazelton
    With rights come responsibilities. And this rule applies to college student credit cards as well. These small pieces of plastic look innocent enough but come with their share of pitfalls. College days are colored with long hours of studying and longer hours partying with friends and classmates. And, if you are not careful, college days will also be marred with credit card bills that carry the threat of thousands of dollars of debilitating debt that will stay with you for some...
  • Credit Card Danger  By : Lyn Davis
    What I call the, "I want it NOW" syndrome, is something that we expect from children. The problem being that many adults never mature enough to grow out of this syndrome. People should get credit counseling at a very young age - it should be a required curriculum in our school system.

    There are many theories as to why people feel such a strong need to go deeply into debt in order to fill their lives with material things. Credit cards are a required necessity in today’s mod...
  • 10 Tips To Improving Your Credit Reports  By : David Sanders
    Credit is something that some take lightly or give little thought to until it’s really needed. There are 10 things that you can do to make sure that your credit is always in good standing so it will be available when needed.

    1) Pay your bills on time. A consistent history of timely payments will greatly improve your credit profile and will, therefore, make you more desirable to lenders. In many cases, a strong payment history in your credit reports will also result in bett...
  • It's Normal To Use Credit?  By : Karolina Linares
    According to a commercial that I have seen, at least once every time I turn the TV on, it looks like a good, normal life to use credit lines. In just sixty seconds, this commercial portrays the life of a couple. They meet, they get married, they have babies, they are middle aged, and finally they are senior citizens and grandparents. All along, it shows flashes of the different credit cards, that go along with the themes of the various stages of this couple’s life. They have ...
  • Credit Card Safety – Chip And Pin Not Enough  By : Mr Hanna
    Credit cards and debit cards are viewed as relatively secure methods of making purchases; however as with any security measure there are people who will try to find their way around it. Various increasingly complex methods have been devised to access bank accounts by obtaining the consumer's details such as scanning and copying the electronic strip on the back of the card to create duplicates which can be used to siphon off funds.

    Chip and Pin was devised as a means of mak...
  • Credit Card Security  By : Debbie Dragon
    This is the age of plastic money. It's not uncommon for the typical consumer in the western world to go weeks at a time without ever handling a coin or bill. Everything we need is available to us with the simple "swik-swik' sound of a credit card sliding through a reader. Supplies for the office, flowers for the wife, meals and drinks out, and an endless supply of useful products available for sale through the Internet can all be bought with naught a cent to be seen.

    The ...
  • Credit Card Savings  By : Edwin Shackleford
    Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can he...
  • Constant Credit Card Payments  By : Terry Rigg
    Are you trapped into making only minimum payments on your credit cards? I hope not.

    Minimum payments decline as the balance on the credit card declines.

    Let's take a credit card with a $2000 balance at 15% interest to use as an example. You would expect to pay about a $40 (2%) monthly payment when you start making your payments:

    By making the minimum payment only, it will take you 13 years and 11 months to pay off your credit card and you would expect to pay $2,126 ...
  • Credit Tips  By : Jason Martin
    If you are like many people, you either have bad credit or had bad credit at some point in your lifetime. The sad fact is most people are not educated about credit and their rights. America is filled with misconceptions, due to spin of the facts from both sides of the aisle. In reality, consumers become the prey from both credit repair companies and credit reporting agencies like Equifax, Experian and Trans Union. In this article, I am going to talk about some quick and simpl...
  • Help Your Small Business Succeed With A Credit Card  By : Jeremy Zongker
    One of the many difficulties of starting a small business is gaining access to capital during the startup phase. With the large growth in small specialty businesses across the country, credit card companies are beginning to design special programs to help this new breed of business achieve success. For even those small businesses that have access to capital, the perks and benefits associated with small business credit card programs, can still be useful to help you compete mor...
  • Watch Your Mail Credit Card Offers Are Dangerous  By : Tim Renolds
    Sure, free gifts are great. Who doesn’t want a free gift? But when free credit card offers come in the mail, we may feel like we’re the most important person in the world but we should be careful. When those free offers are from credit card companies, we may want to avoid signing up altogether and simply throw them out! The credit card companies like us because we have good credit. But it could be our financial ruin if we sign up for too many cards!

    This is because credit ...
  • Zero Percent Interest Credit Cards – How To Get Approved  By : Carrie Reeder
    Zero percent interest is a very attractive credit card feature that gains a lot of attention. Although credit cards have the potential of becoming a dangerous tool, they do have practical uses. For example, credit cards allow easy transactions when purchasing items online. Furthermore, credit cards are great to have when having cash flow problems.

    However, because of high interest rates, many consumers avoid using credit cards. Fortunately, there is a way to take advantage...
  • Credit Cards – The European Credit Card Sting  By : Michael Challiner
    Traditionally, using plastic abroad has always meant big charges. Things are a lot better these days, but they have taken a downward slide again in some European countries, as they get the option to add an extra charge to your bill.

    In France, Italy and Spain, many of the bigger restaurateurs and retailers have a system called DCC – dynamic currency conversion. It means they can convert your payment straight into sterling for you, at the till. This may sound tempting, but...
  • Credit Card Cheques Branded A “Rip-Off” By Financial Protection Agencies.  By : R.Green
    The Office of Fair Trading has issued a demand for a change in the law restricting the use of credit card cheques. These cheques have been around for about 10 years and are designed to allow people to transfer funds into another of the cardholder’s accounts or make payments using their credit card accounts without the use of the card itself. They have however come under fire for a variety of reasons and are widely disliked by both financial watchdogs and the public alike.

  • Credit Cards For Adverse Credit History Applicants  By : Joseph Kenny
    The simple fact of life today is that in many situations credit cards are vital. It is extremely difficult to rent a car for instance if you do not have access to a credit card in your own name. Also, shopping on line is not very easy at all if you do not have a credit card. While many websites will accept debit cards, if you are trying to book a hotel abroad or buy from any website based abroad, it can be next to impossible to find a payment method other than credit card. Th...
  • Miles Credit Cards: Getting The Most Out Of A Frequent Flyer Credit Card  By : Jeff Weber
    Airline miles credit cards are among the most popular types of rewards credit cards. However, only a handful of frequent flyer miles credit cards provide great rewards and value. The reason for this is quite simple: most airline specific credit cards charge astronomical annual fees and high interest rates. Now, if you travel often and spend more than $10,000 a year, just about any airline credit card will earn you miles. However, if you want to get free miles, airline flexibi...
  • Fixed APR Balance Transfers: Better Than A 0% APR  By : Jeff Weber
    0% balance transfers offer great short term savings, free up money to pay down debt quicker, and can ultimately save consumers hundreds, if not thousands of dollars in interest over their duration. However, the very best 0% balance transfer offers on the market only last 15 months. For many, this is not enough time to completely eliminate their credit card debt and they are faced with a decision: pay the new regular interest rate or transfer their balance again. For most, a f...

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