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  • Start Reducing Your Credit Card Debt Today - Here' s How  By : Susanna Berlatsky
    Millions of citizens are in credit card debt. With today's economy, the most important thing that you can do is to start reducing it today. Failure to do so can negatively affect you for years to come.
  • Eight Tips To Manage Credit Card Debts  By : Ginger Wash
    "How do I improve my credit score?" is the question that most people ask these days.
  • Traveling With Credit Cards: What You Need To Know  By :
    As you make travel plans this summer, be sure to pack the plastic. Credit cards are a convenient tool to finance your trip. To make the most of them, it’s best to keep a few factors in mind. Here’s what you need to know before you go.

    Plan Ahead
    As you prepare for the trip, take a look at the credit cards you have. If you plan to travel abroad, consider carrying cards that are widely accepted, such as Visa or MasterCard. Taking along two credit cards is wise; this way, i...
  • Business Credit Cards: A Valuable Source Of Funding  By :
    One of the keys to business success lies in sufficient capital: you need it to get through the fluctuating times of your small business. Business credit cards can help smooth over your financial needs. A recent survey showed that 90% of small business owners use a business credit card. Here are just a few of the many ways a business credit card can help you manage your finances.

    Access to Funding
    Finding sources of funding can be a challenge when starting a new business....
  • New Foreign Markets Open Up For Credit Card Companies  By :
    Credit card issuers are seeing increases in credit card applications due to stronger foreign markets. In Mexico, the economy is recovering due to outsourced technology firms and manufacturing companies. Credit card solicitors are targeting the new Mexican middle class with low interest credit cards.

    According to an article By Marla Dickerson, Los Angeles Times Staff Writer

    August 11, 2007, ‘over 22 million credit cards are in circulation in Mexico. Total consumer credit...
  • How To Get A Good Instant Approval Credit Card  By : Joseph Kenny
    When it comes time to get another credit card, you now have the option of being able to get it very quickly. Applying for a credit card could not be made any easier - or faster. Generally, you will know in just a matter of minutes whether or not you are approved. With it being so easy, however, you may want to take a few minutes to find out and make sure it is a good deal. Here are some things to look for when it comes to making sure it is the great deal you want to think it ...
  • "Using Personal Loans For Credit Card Debt..."  By : Shelley Marie
    Credit card debt is widespread amongst the average American household and seeking ways of consolidating debt usually means utilizing the equity in ones home or seeking a personal loan to service the credit card payments. Using the equity in your home to apply for an equity home loan and directing the funds towards debt management is an excellent method for getting your house in order in regards to your finances.

    A personal loan without collateral may sound inviting but res...
  • When Not To Use A Credit Card  By : Michael D. Strauss
    Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble.
  • How To Choose A Credit Card To Meet Your Needs  By : Joseph Kenny
    Choosing the right credit card that is most suitable for your needs will take a little work, but it certainly will prove to be worthwhile in the long run. Whether you want it so that you don't have to carry cash with you, or you are a businessperson who is looking to have an accurate record of all business-related expenses, there will usually be one card that is a little more beneficial to your situation than others. Here are some things to look for to help you get that perfe...
  • Student Credit Card, The Foundation Of Credit History  By : Mario Churchill
    Typically, the life of a student involves a lot of expenses. And if you're attending college away from your family, having a credit card is always handy just in case you need to make emergency purchases. But for those who want to prove their independence, and take care of their own financial problems, the very first card that you may want to find in your wallet is a student credit card.

    Before, applying for a credit card with no established good credit history is difficult...
  • 0% Apr Credit Cards: A Way To Eliminate Debt  By : Mario Churchill
    Credit cards are one of the most useful tools in today's world. With a credit card, you can purchase anything you want without actually carrying any money at all. A credit card works like a loan. Once you purchased an item using your credit card, you will automatically agree to pay the loan once the billing statement arrives.

    However, aside from the fact that credit cards can offer you a lot of advantages, you should be aware that credit cards also have some disadvantages....
  • How Real Are 0% APR Deals  By : Mario Churchill
    Because of the uprising number of credit card subscribers, credit card providers develop different tactics to attract these customers to avail in their company. There have been the cash pay back, monthly low interest rate and the enticing zero annual percentage rates. With these offers, who would not be tempted to get or transfer their balances to a new credit card and a promising one?

    The only question here is, do you really get the real deal? Most often than not, maybe y...
  • American Express Credit Card: A Different Kind Of Credit Card  By : Mario Churchill
    In the financial world, American Express or AMEX is one of the most widely renowned names. If you have a credit card in your wallet, chances are you own a credit card that has a VISA or MasterCard seal in it.

    MasterCard and VISA rely on partnerships from different banks in the world and do not issue a credit card of their own. What these companies do is they are simply selling their payment methods.

    MasterCard and VISA charge their partners a fee for using the payment s...
  • Things That A Credit Card Cannot Do For You  By : Peter Kenny
    Credit cards are one of the best financial tools you can have, but they can also be dangerous and leave you with lots of debt. If you are thinking about getting a credit card, then it important that you know the downsides as well as the benefits. This will help you to use your credit card more wisely and avoid getting into debt. Here is some advice what a credit card cannot do for you.

    It cannot make you richer

    Although having a credit card will improve your cash flow a...
  • 0% APR Credit Card Offers: Saving Money  By : Mario R. Churchill
    In today's economic situation, almost all items and services are getting more and more expensive everyday. This is why people go to any lengths just to save money. Some people try to save money by purchasing cheaper goods and some try to save on utility expenses, like electricity, gas, and water.

    Credit cards are one of the most popular ways to purchase goods and services. It can even be used to pay for your utility bills. With a credit card, you don't have to carry a lot ...
  • Do Cash Back Credit Cards Mean Money In The Bank?  By : Bill Hazelton
    There is no better way to win consumer loyalty than paying them to shop. Cash back credit cards aim to do precisely this. A percentage of every purchase you make is set aside as points. Once you hit a certain number of points, you get it back as cash! You could use it to pay off part of your credit card bill, or even have it credited to your bank account. While most cash back credit card companies give cash back at the rate of 1% or less, you could find one with higher rates ...
  • College Credit Cards Help Smooth Out Credit Wrinkles  By : Bill Hazelton
    College student credit cards have replaced student loans as a freshman’s first student credit experience. At the sophomore level, out of a sample of 100 students, over 90% were found to be holders of at least one college credit card. The question is why do many students find themselves in a vicious cycle of debt with their college credit cards? Why are so many students astonished with the huge bills they receive each month? Most importantly, must it necessarily always be this...
  • College Credit Cards – Building A Good Credit History At An Early Age  By : Bill Hazelton
    College student credit cards are intended specifically for students who normally would not qualify for regular credit cards, as they do not have a steady income or a credit history. As a student, it is a good idea to establish a first-rate sound credit history at an early age, which would help you get a regular credit card in the future, regardless of your employment status.

    College Credit Cards Versus Generic Credit Cards

    In theory, college credit cards are identical t...
  • Choosing The Right Airline Credit Card Mile Offer  By : Neil Farman
    If you travel by air frequently, considering an airline mile card credit offer can be a good financial option because airline mile credit cards allow you to earn frequent flyer miles, which can save you a lot of money in the long run. The type of airline mile credit card depends on individual choice, needs, and loyalties, so take your time to conduct a little in-depth research and seek recommendations based on these factors.

    Airline-Sponsored/Specific Airline Credit Cards
  • Skyrocketing Savings With A 0 Apr Credit Card  By : Mario Churchill
    Every working individual has their own priorities to think of. Some are thinking about the mortgage they have availed when they have purchased their present residence. Others are prioritizing the education of their children through availing educational plans. These are priorities in which they need to invest a portion of their salary.

    Despite of differences in terms of setting their own priorities, every working individual is bounded by a common goal-and that is, to save m...
  • How To Use Your Credit Card To Really Save You Some Money  By : Joseph Kenny
    Today it is very common to think of credit cards as one of the major causes of so many people getting in debt. While that certainly is true for some, it may come as a surprise to you to know that by using a credit card in a certain way, that you could actually get sizable savings. Here are some tips for getting the maximum benefits of your credit card.

    Get A Card With 0% Interest

    If you have had your card for some time, then you have already passed the limit of getting ...
  • Simple Steps to Prevent Credit Card Fraud  By : Michael D. Strauss
    Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you.
  • 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?
  • 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.
  • Ways to Avoid Bankruptcy  By :
    Many people now a days have severe financial difficulties. While bankruptcy is usually the last resort in a long road of financial pressures for many, others may declare bankruptcy a little too early, sometimes without even considering the bankruptcy alternatives.
  • Small Business Credit Card  By : Bradley Carson
    It has only been recently that the larger credit card companies began aggressively marketing small business credit cards. If you are a new entrepreneur and have decided it’s time to get a small business credit card, you are in luck!

    Most new businesses are sole proprietorships and credit is an important part of growing your business. The credit card issuers look at your personal credit history to see how you’ve managed your personal debt. A good personal credit report can ...
  • Balance Transfer Credit Card  By : Bradley Carson
    Would you like to find a way to save more than $1000 to $1400 this year? If you are one of the American households that has $ 8000 or more in credit card debt, your answer could be a balance transfer credit card.

    For most credit cards, the minimum payment due each month barely covers the interest. It could take you years to pay off that balance and with payments totaling at least twice the original amount billed. Substituting a higher interest credit card with a lower inte...
  • Credit Card For People With Bad Credit  By : Bradley Carson
    A bad credit score doesn't prevent you from applying for a credit card. There are many financial institutions that have credit card offers for people with bad credit. Of course the major credit card companies try to limit their risk and are more inclined to approve those with good credit.

    The issuers who specialize in granting credit card accounts to those with damaged credit do it at an elevated liability. Because of this added risk, the choice of a credit card available ...
  • Credit Cards: Rules and Fees  By :
    Credit cards are unsecured loans that do not require you to pledge any assets, just your signature. Most consumers are not aware of the rules and regulations imposed by the issuer of a credit card. It is important that you understand the major points of the credit card you are applying for or currently have.
  • The Rise Of Credit Mastercards.  By : Robert Michael
    Credit has become a pillar of the American economy. When people began to look for ways to increase convenience in transactions, credit cards became popular as an effective way to exchange money in a 'cashless' environment, making transactions faster and avoiding the problems associated with dealing in cash. The rise of credit merchants and the widespread use of credit for household transactions has made large financial groups such as MasterCard into catalysts for the daily fl...
  • How To Support A Charity With Your Credit Card  By : Joseph Kenny
    For people who are organized and careful, using a credit card can be a good way of managing debt and handling spending. And there are other advantages that can make credit card use even more appealing.

    Many credit cards can now be used to contribute to people's favourite charities. This means they can spend as usual, secure in the knowledge that they are also contributing to a good cause.

    How Charity Credit Cards Work

    The way charity credit cards work is simple. Ever...
  • Which Charity Credit Cards Are Worthy Of Your Support?  By : Joseph Kenny
    Donating to good causes is a great way to help people who are less fortunate. People have always been able to help good causes by giving up their time or handing over cash. Now the process is even easier.

    Many charities now have branded credit cards that enable consumers to donate to the charity every time they spend. These charity credit cards are backed by major UK banks. The Royal Bank of Scotland, Halifax and the Cooperative Bank all support several charity credit card...
  • Choose A Credit Card Based On Its Terms And Conditions  By : Debbie Dragon
    Almost everybody receives numerous credit card offer letters in their mailboxes at least once a week… if not every single day. The envelopes usually contain some sort of wording like, "This is the last chance!" or, "Offer Expires Soon!"

    With so many pieces of mail arriving on a frequent basis, all written with similar "rush" tones, it's hard to figure out which one is really a genuinely good offer. It can be tough to compare the differences between potential credit card ac...
  • Cash Back Credit Card - The Ultimate Reward Credit Card  By : Bradley Carson
    The credit card industry has become so competitive, a new and more creative credit card reward offer is being announced almost daily. If you play your cards right, you can make the financial institutions pay you to use their card. Some consumers consider a cash back credit card the ultimate reward credit card. Nothing is sweeter than receiving a check in the mail.

    So you think there is a catch to this? Well, there is. You just have to know how to handle the cash back credi...
  • The Plastic Trap - Personal Responsibility For Your Debt  By : Karolina Linares
    Recently, I read a report called “The Plastic Safety Net: The Reality Behind Debt In America”. This report is all about Americans using and building up credit debt due to life emergencies and trying to keep up with standard cost of living expenses such as rent, utilities, medical care, tuition for children and even food. Furthermore it makes it seems as if people who have gotten into debt, especially low to mid income citizens, are victims and have very little control over wh...
  • Airline Credit Card Frequent Flyer Miles - Reward Credit Card Air Miles  By : Bradley Carson
    There is a difference between an airline credit card with frequent flyer miles or a reward credit card that offers airline miles. As when looking for any consumer product, it's a good idea to compare the offers side by side.

    Airline Credit Card With Frequent Flyer Miles

    An airline credit card is for a specific airline. You earn air miles for every dollar you spend on that airline and your miles are routinely added to your frequent flyer account. If you have a preference...
  • Determine Your Credit Card Style  By : Debbie Dragon
    Life styles are what make people unique. The way we wear our hair, the type of clothing and fashion we prefer, and the selection of decorations within our homes all makes up an individual’s style. The type of credit card we choose, and how we use it is also part of our individual "financial style".

    As people grow from children to adults, they often are seen imitating what they see their parents and close circle of friends doing. Just walk through the halls of any middle sc...
  • 0% Credit Cards: Are They Worth It?  By : Joseph Kenny
    Credit card jumping has become a common practice. The term refers to the habit of moving debt balances from card to card to take advantage of preferential rates. But just how worthwhile is credit card jumping for consumers?

    UK consumers have staggering levels of debt. Consumer borrowing has grown by more than 50% in five years. It's no wonder that people are looking for new ways to ease the debt burden. Credit card jumping offers one possible solution.

    Money Saving Devi...
  • Single Rate Credit Cards: A Guide  By : Joseph Kenny
    With so many credit card deals on the market, consumers can have a hard time deciding on the right deal for them. There are many rate options for new credit card customers. These include cards with a 0% interest rate for a fixed period, low balance transfer rates or introductory rates. However, there are also cards which feature a low standard interest rate.

    Who Should Get A Single Rate Credit Card?

    A single rate credit card can be a useful option for those who are look...
  • Choosing A Credit Card That Suits Your Repayment Habits  By : Joseph Kenny
    When choosing a new credit card it's best to pick a card that suits your spending habits. However, this is not the most crucial factor. Even more important is to choose a credit card that matches your paying habits. This will ensure that you don't end up paying over the odds to repay your credit card debt. Consider these scenarios:

    Big Spender, Big Payer

    You put most of your spending on your credit card each month. Petrol, shopping, clothes, days out, drinks at the pub ...
  • How To Keep Your Credit Card Interest Rate At 0%  By : Joseph Kenny
    We've all been tempted by 0% credit card interest rate offers. These offers are usually for short periods of three to 12 months and there are usually conditions attached. For example, the preferential rate may apply to balance transfers, but not to cash withdrawals. The low interest rate may not apply to credit card cheques or purchases either.

    People who are carrying a large debt will want to make the most of 0% interest rate offers. Here's how to keep your credit card in...
  • Avoiding Credit Card Wipe-Outs: How To Succeed With Rate Surfing  By : Joseph Kenny
    Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right.

    Rate Surfing Research

    First of all, start by researching the current credit card rate offerings to see which one is best for your circumstances. Many people opt for the 0% interest deals, as these allow them to apply the payments the make to clearing any outstanding debt. These deals usually last for a limited peri...
  • Paying Your Debts Off With A College Student Credit Card  By : Jo Williams
    Entering college is both exciting and daunting since it’s the start of your journey to adulthood. College actually opens up a lot of opportunities like finally being able to live independently away from your parents and then being able to budget your own monthly allowance sent by your parents. Most parents open a credit card account in their children’s name or provide them with a second card on their personal credit card account. Parents do this in anticipation of some future...
  • Are You A Credit Card Tart?  By : Joseph Kenny
    Some people use the word tart as an insult; others as a bit of friendly banter. Either way, it's not the sort of term you associate with financial matters, especially not with credit cards. A credit card tart is someone who moves from credit card to credit card, taking advantage of the best offers. In the process, that person can save hundreds, and perhaps make money as well.

    Being a successful credit card tart takes a bit of knowledge and a lot of organisation. The knowle...
  • Introductory Rate Credit Cards: Some Popular Features  By : Joseph Kenny
    Using introductory rate credit cards has become a popular way for UK borrowers to manage credit card debt. Introductory rate credit cards offer borrowers a preferential interest rate when they first sign up for a new card. There are three main ways in which this can happen. All of the ways offer significant advantages for credit card borrowers.

    0% Balance Transfers

    The one that is most appealing to consumers is the 0% balance transfer offer. This offers a nil rate of in...
  • How To Find Good Balance Transfer Cards  By : Joseph Kenny
    If you have a credit card you're likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. Credit card balance transfers are an easy option for managing credit. Some people switch their balances from card to card to take advantage of each new offer. This is known as card jumping or rate surfing.

    Credit card balance transfer offers can also be used to reduce the interest paid on b...
  • Visa Gift Card – The Smart Credit Card Alternative  By : Tyson J Stevenson
    A visa gift card is similar to a debit card and represents money deposited with the issuer (Visa). This card can be used for purchases up to the limit on the card at all outlets where visa card is accepted. The difference between debit card and visa gift card is that debit card is usually issued in an individual’s name where as visa gift card is issued without any name. Further there is a PIN in debit cards where as for visa gift cards there is no PIN. The amount varies from ...
  • What To Look For In A Balance Transfer Credit Card  By : Bradley Carson
    When shopping for a new balance transfer credit card, take the time to compare a number of credit cards, as the terms and conditions of these offers varies greatly. There are numerous things to consider before you take this step of choosing a new card. Be sure to read the fine print.

    First, you need to have a plan on why you're applying for this new balance transfer credit card. If it's to consolidate two or three credit card balances from higher interest credit cards to a...
  • Do You Qualify For A Low Interest Rate Credit Card?  By : Bradley Carson
    Your credit rating is taken into consideration in just about any part of your personal life. From buying a house to getting insurance, your credit rating is important. By maintaining good credit, you can save money by getting lower rates on your home loan to a car loan. A good credit rating can even qualify you for a low interest rate credit card.

    When you look at new credit card offers today, the majority of them give you a 0% APR introductory period, which is extended fr...
  • Choosing A Reward Credit Card  By : Bradley Carson
    When you're shopping for a new credit card, the immediate features you see that attract your attention are the interest rate and the credit card reward programs offered. If you have good credit, you most likely would be approved for a card offering a 0% APR introductory period. This introductory low interest rate extends with an average of the first twelve months you have your new credit card.

    With that in mind, the next thing to consider is the type of reward credit card ...
  • Store Cards – Are You Storing Up Problems?  By : Michael Challiner
    The number of people with one or more credit cards has grown at an unbelievable rate in recent years. Like the mobile phone, the credit card has become a way of life for many people, something they’d be lost without.

    The offer of a store card for your favourite store can be tempting and may offer opening discounts, invitations to special events (encouraging you to spend money in the store, of course) and the familiar “If you take out the card today, you’ll get 10% off your...
  • Credit Cards Celebrate 40th Anniversary  By : Tml-mortgages
    Thursday the 29th of June marked the 40th anniversary of the credit card in Britain.

    Barclaycard launched its first card on June 29th 1966 to just over one million customers.

    Today it can claim 11.2 million holders, contributing to the 32 million credit cards in use in the UK, with the average credit card carrier holding 2.4 cards.

    However, whether the anniversary is cause for celebration or regret remains open to question, with many blaming credit cards for Britain'...
  • Small Business Credit Card - Credit Card Services For A Business  By : Bradley Carson
    If you are a new business and looking for a credit card, chances are you want a small business credit card. Because you are a new business, resources may be limited as well as manpower. When you’re looking for that new card, you should consider the credit card services for a business that the issuer provides.

    Credit card services for a business when looking for a credit card?

    Sure. A small business credit card can provide you with more than extending credit. After all y...
  • Going Cashless  By : Debbie Dragon
    Many people believe that eventually, and sometime in the not so distant future, no one will carry cash in their pockets, and everything will be purchased using plastic. Others think that will happen around the same time that people start driving around in space cars, or when we have domesticated robot maids to clean our homes and make our meals. Whether it becomes a reality or not, it’s quite possible to live almost cashless in our current society!

    Think about it. When you...
  • Credit Cards For Summer Vacations  By : Ed Vegliante
    Summer is finally here, and so begins the season of long travel and family vacations. Approximately 52% of American families take at least one vacation between the months of May and August, which means that quite a bit of money is spent on both domestic and international travel.

    Unfortunately, traveling with only cash and checks in your wallet is not recommended. Whether you plan to rent cars, fly on airplanes or stay in hotels, travel is always easier if you have a credit...
  • Lowering Credit Card Debt – Building A Better Credit History  By : Carrie Reeder
    Although it is possible to get approved for a mortgage loan with a high debt ratio, having a low credit card balance will present better financing options. Becoming debt free is a highly sought after goal. Fewer debt payments offer the opportunity to begin saving money. There are several effective strategies for eliminating credit card debt. However, before outlining a plan, consumers must be willing to alter their spending habits.

    High Credit Card Balance Contributors

  • Eliminate Credit Card Debt – 3 Easy Steps To Becoming Debt Free  By : Carrie Reeder
    There is no way to miraculously becoming debt free. Excessive debts incur over time. Hence, patience and effort is needed in order to reduce, and ultimately eliminate credit card debts. The average household has a credit card debt around $8,000. Unfortunately, there are individuals carrying much higher balances. Due to high finance fees, credit card companies make it impossible to payoff the debt. However, alleviating debt is doable. Here are a few tips to help you become deb...
  • Do You Have Too Many Credit Cards?  By : Deanna Mascle -
    How many credit cards do you have? If you are like most people it is probably too many.

    We've all been lured in by the siren call of better rates, special perks and rewards, or lower fees so that most Americans carry between five and 10 credit cards. The problem is not so much that new credit card offers are so attractive but rather that we do not stop to evaluate which cards we no longer need after opening a new account.

    Carrying too many credit cards can wreak havoc w...
  • Credit Card Consolidation Is Key  By : Analeese Burnabaker
    The amount of money that many people in our culture spend on a daily, weekly or monthly basis is absolutely out of control. As a financial advisor, I see far too many people and families that are completely burdened down by excessive debt. I can hardly believe my eyes and ears sometimes as I sit down with a new client to get an accurate picture of their current financial state. I have a hard time swallowing the fact that people are hundreds of thousands of dollars in debt. Mo...
  • Using Your Credit Card Abroad  By : Peter Kenny
    If you are going abroad, then using a credit card can be the safest and most effective way of carrying currency. But what steps should you take to make sure your card is the best one to use abroad? Here is some advice about how to effectively use your credit cards whilst abroad:

    Pick a universal card

    If you are travelling overseas, then try and pick a card that you know will work in most countries. Taking store cards or lesser known cards can defeat the point of bringin...
  • 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?
  • Loyalty Cards – Think Again!  By : Michael Challiner
    Are credit card loyalty schemes worth the plastic they’re printed on? According to a recent study by moneysavingexpert .com the answer is a resounding “NO”. The study investigated 80 reward schemes and was especially unimpressed by Tesco’s Clubcard, Nectar and Airmiles. With the average value of each Tesco Clubcard point being worth from 1 to 4 pence, a Nectar point being worth 0.54 pence and an Airmile being valued at 7.9 pence, their reaction is hardly surprising.

    In act...
  • How Many Credit Cards Should I Have?  By : Debbie Dragon
    Enticing credit card offers fill the mailboxes of thousands of Americans every day. Accompanied by amazing offers of zero percent interest for six months and no fees for balance transfers, 15% to 20% off your first purchase, discount hotel rates and free movie tickets, the list goes on and on. And on impulse we fall to our knees and sign on the dotted line without thinking about just how much another credit card will affect our families, our credit histories, or our financial...
  • Credit Card Interest Rates - Destroyer Of Finances  By : John Francis Amberden
    Interest kills your finances. Especially on credit cards. Did you realize that paying the minimum payment on your credit cards just builds a deeper and deeper hole for you?

    I have a wonderful strategy for those of you who have credit card debt on more than one card.

    Take out your credit card statements and write down the interest rate and the balance of each. For example, let’s say you have three credit cards that have interest/balance as listed.

    Card#1 13.9% with a ...
  • Credit Cards Abroad – How To Save On Charges  By : Joseph Kenny
    One of the huge advantages of credit cards, and one of the many reasons they continue to grow in popularity, is the easy access they offer when travelling abroad. Not only can they be used with ease to book hotels or pay for car rentals, but they can also be used at cash machines around the world for instant and safe access to local currencies. They are also far safer than carrying cash, which can be stolen no matter where in the world you are travelling, and more convenient ...
  • Lost Or Stolen Credit Card Advice  By : Peter Kenny
    If you have a credit card, then the chances are that sometime in your life you might either lose a card or have it stolen. Although this can seem like a nightmare, there are ways to sort the problem out quickly and easily without losing your ability to spend money or losing money.

    Here are some tips about what to do when your card is lost or stolen, and how to prevent it happening:

    Cancel ASAP

    If you know your card has been lost or stolen, cancel the card at the firs...
  • Credit Cards vs. Cold Hard Cash – The Benefits  By : Joseph Kenny
    The security benefits of using credit cards have long been recognised. Even with the extra attention that is being placed on identity theft and credit card fraud these days, using your credit card is still one of the safest ways to pay for things available.

    All credit card companies will provide you with an emergency number to call if your card is lost or stolen and in the vast majority of cases, any loss that is incurred by your account will be fully refunded by the card ...
  • What Makes A Good Credit Card?  By : Peter Kenny
    There are plenty of great credit cards on the market, but there are also plenty of bad ones too. The biggest problem is that what can be a good credit card for one person can be a bad card for someone else. So, how do you know what makes a good credit card for you?

    Here are a few tips to help you decide what will make a good credit card for your needs:

    Take your time

    The best way to find the right card is to take your time and shop around for the best deal. Even if y...
  • Student Credit Card  By : Bradley Carson
    There is a ton of extra literature the high school senior receives in the mail during their twelfth grade year. There are special scholarship offers, student financing, and special college programs, not to mention the number of invitations from Uncle Sam to come join the Navy, Marines, and Army. Having just been through this, I can add to that, at least fifty offers for a student credit card.

    Now, no offense to these hard working people and their advertising campaigns, not...
  • Common Credit Card Charges  By : Joseph Kenny
    In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago. The competition that has flowed in from other countries, especially the United States, as well as from internet lenders and other institutions has meant that there are now more offers and more products than ever before.

    Some of these offers would have been unimaginable in the past. You do...
  • American Express – A Unique Type Of Credit Card  By : Joseph Kenny
    American Express, or AMEX, is one of the most recognisable names in the financial world. What many customers who have MasterCard or Visa credit cards in their wallet are interested in, is what is the difference between these two companies and American Express. Well the difference is quite simple.

    MasterCard and Visa are both simply payment methods. They allow locations to accept payment using their system. They do not however, issue any credit cards of their own. For this ...
  • How To Loose That 0% APR - All Is Not Lost  By : Bradley Carson
    So you decided to consolidate your high interest rate credit cards into one 0% APR credit card with a transfer balance offer. The low introductory offer is good for twelve months, which will give you a chance to pay down your debt virtually interest free for a whole year!

    But then six months into using that new 0% APR credit card, poof! The 0% APR is gone and you're paying 10.9% or maybe 17.99% interest or maybe even higher. What happened?

    Oops, you didn't read the fine...
  • Gas Rebate Credit Card - Ways To Save On That Fuel Bill  By : Bradley Carson
    Almost weekly gasoline prices are going to new heights. This has necessitated many people to look for new ways to cut back on their fuel bill. Although more people now than ever are taking public transportation when they go to work, weekly purchases of gas for your vehicle are still pretty much a necessity. One way to save your hard earned dollars on gas purchases is by looking at the variety of gas rebate credit card offers now available.

    If you already have credit cards ...
  • Travel Credit Card - Planning That European Vacation  By : Bradley Carson
    Now that summer's here you may be getting ready for that long awaited European vacation. Have you checked to be sure you have the right travel credit card? Although using credit cards are best when you travel, you need to be sure you've selected the best credit card for overseas use.

    If you're getting ready to travel, you need to take care of a few matters regarding your credit card before you leave. You should check with your credit card issuer about fees or charges when ...
  • What You Should Know About Switching Credit Cards  By : Debbie Dragon
    With U.S. credit card debt at an all time high, many savvy consumers and investors are renewing their commitments to rid themselves of this burdensome and in most cases, unnecessary debt. In doing so they are constantly searching for the next best credit card with higher credit limits, lower annual percentage rates (APRs), and zero balance transfer offers. In fact switching credit cards has become as common as changing the battery in the fire alarm for some people and it has ...
  • How To Increase Your Credit Card Limit  By : Peter Kenny
    If you have a credit card but are fed up because you have a low limit, then now is the time to start getting your limit increased. It might seem tricky to get your limit increased, but if you follow a few simple steps then your credit limit will gradually increase to the level that you want.

    Prove your creditworthiness

    The most important step to getting a higher credit limit is to prove to the lender that you are worthy of a higher limit. This involves showing that you ...
  • The Many Advantages Of A Business Credit Card  By : Bradley Carson
    Just as good credit is a necessity in our personal life, it's essential when you own your own business as well. Big or small, every business needs to establish credit. If you are a new business, you need to begin building that credit history as soon as possible. Establishing your company's first credit is now made easy when you apply for a business credit card.

    The financial institutions understand more now than ever, how hard it is to get that first credit card. They have...
  • Understand Credit Card Companies  By : Belina Storrey
    As a financial consultant, I am amazed at what a small amount of understanding most of my clients have of credit card companies and how they work. I find that many financial struggles people go through could be lessened significantly simply through education about credit card companies and other significant factors that influence our financial situations greatly.

    It is for this reason that I have shifted the entire focus of my career to becoming a financial consultant whos...
  • Watch Out For Hidden Dangers For Your Credit Card  By : Peter Kenny
    Credit cards are a valuable tool in today’s society, and have many benefits including improved cash flow and buyer security. However, credit cards have dangers too, and if they are used badly or you are unaware of the potential problems, you could end up paying out a lot of money and getting into debt. Here are some of the hidden dangers of credit cards, and how you can avoid them:

    Default penalties

    If you make a late payment on any bills at all, it could mean your inte...
  • Airline Credit Cards – Are They Offering The Best Value?  By : Joseph Kenny
    There are more reward credit cards around now than ever before. There are cash back credit cards, points cards and American Express even have a new nectar card out. One of the long running popular rewards has been the airline credit card. These are offered by many of the main card providers and they offer as their reward scheme the chance to collect airmiles as you spend. Airmiles are an extremely popular reward as they can be redeemed on major airlines for free or upgraded f...
  • Accepting Credit Cards Over The Phone  By : Joseph Kenny
    There has been a huge growth in the number of cold calls, and unsolicited offers that people receive on their home and business phones. The process can be very intrusive and frustrating and is the subject of a growing number of complaints. Many of these calls come from phone companies, especially mobile phone providers but they are also for new windows, for insurance and for credit among other things.

    If you are offered credit over the phone, it can be quite tempting, espe...
  • Your First Credit Card  By : Peter Kenny
    If you have never been in debt before or you are young, then getting a credit card can be hard. Strangely, lenders trust people who have been in debt and paid it back more than people who have never had any debt. Although it may seem hard to get a card if you have not gotten one before, there are some ways to get a credit card. If you are unsure about how to go about getting your first credit card, then this article might be able to help you.

    Check your credit report

  • Online Credit Card - Prepaid Debit Card  By : Bradley Carson
    The numbers vary on how many credit cards each person carries. I've seen it stated anywhere from five to fifteen counting bank cards, gas cards, and department store charge cards. But there are still those hold outs, people who don't have any credit cards at all.

    If you're one of these lucky people and reading this on the internet, chances are you've seen something online that you wanted to buy, but the problem was you needed at least an online credit card to pay for it. T...
  • A Business Credit Card Is Essential  By : Triston Huntsmin
    If you are running a business out of your home, then there are many details that you need to keep in mind. You should probably be reading up on as much information that you can get ahold of on having a business at home. One of the most essential pieces of running a bussiness from home that you absolutely need to know from the start is to get a business credit card to use for everything related to your business.

    Unfortunately, as a business consultant, I have talked with fa...
  • Visa vs Mastercard – Which Is The Best?  By : Joseph Kenny
    The two leading credit card companies in the world today are the competitors Visa and MasterCard. They both operate along very similar lines. While Visa can claim to have almost a billion cards issued, MasterCard has over twenty five thousand banks issuing its cards and it is difficult to find any difference in the number of locations worldwide that accept the cards, which is now estimated at over twenty million.

    In fact, as far as most consumers are concerned, there is no...
  • Shopping For Credit – Points Of Interest  By : Joseph Kenny
    As much as the credit industry has changed in the last couple of years, the most important advice when shopping for credit has remained the same throughout the period. And that is, if you want to give yourself the very best chances of getting the best credit deals that are open to you, then you have to shop around.

    Finding Credit Online

    The good news is that the Internet has made this shopping around a lot easier in recent years. There are many websites now that special...
  • Guaranteed Credit Cards – Use Them Wisely  By : Joseph Kenny
    Credit cards are becoming increasingly vital in a wide range of situations. Have you ever tried to rent a car, or shop online without one? It’s not easy. In fact, with the growth of shopping online, more frequent international travel, and people paying for goods and services over the phone, it is almost vital for an increasing number of people to have access to credit cards.

    There are therefore, plenty of valid reasons why anybody would want a credit card these days. Gone ...
  • 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.
  • Discover Credit Cards: A Look At The Top 3  By : Ed Vegliante
    Although Visa and MasterCard might be the forerunners of the credit card industry, Discover card has been increasing in popularity over the last decade or so. Except for student credit cards, most Discover cards have a comparatively low APR, and they never have an annual fee. They have also been commended for customer service and for fraud prevention. With more than 50 million cardholders and more than 4 million merchant locations, Discover is proving their critics wrong. Whe...
  • Cash Back Credit Cards – Reward Yourself  By : Joseph Kenny
    As the competition in the UK lending market has become ever more intense, lenders and credit card providers have had to go to ever more lengths to attract customers to them. While there is a limit to how low they can go on interest rates, in fact many now go as low as zero per cent for well over six months, card providers can also seek to attract customers with loyalty and reward schemes. These basically reward you for every pound you spend on your credit card.

    Loyalty sch...
  • Credit Card Debt – First Steps To Resolution  By : Joseph Kenny
    If you have let your credit card debt get out of hand, then do not panic. You are among a fast growing group of people who are falling victim to the UK’s ever increasing credit card debt mountain. As a nation, we are adding to our credit card debt at a truly alarming rate. With the number of people now in credit card debt approaching half of the population, this trend is only growing and growing.

    Luckily, there are a number of steps you can take to start getting your credi...
  • Credit Card Traps?  By : Joseph Kenny
    For people with a spotty credit card history or bad credit, it can be difficult to get approved for a regular credit card. There are a number of credit card options that are aimed specifically at people who have bad credit and are trying to rebuilt it. There are also, unfortunately, a lot of folks out there who'll take advantage of the desperation to get a credit card. How do you tell which options are good ones and which are just taking advantage of a bad situation?

  • Credit Card Rights - What Rights Do You Have?  By : Joseph Kenny
    So you've thought about getting a credit card, but all you've heard about from parents, friends, co-workers, and the like is that they are just trouble. Horror stories of over limit charges, finance charges, late fees, mysterious charges, telemarketers, and missing bills dance through your head like sugar plumb fairies in children on Christmas Eve. It’s important to know, going into your first, or even your fifth credit card experience, that as a credit card holder, you have ...
  • Consolidating Credit Cards: How To Effectively Use Balance Transfers  By : Ed Vegliante
    The practice of transferring the balance of one credit card with a high interest rate to another credit card with a lower interest rate is a fairly common way to consolidate debt, but very few people know how to make effective balance transfers. The goal of balance transfers is very simple: to save money. If you are not, then you are probably not utilizing balance transfers effectively.

    The following factors will determine how and when you should make balance transfers so ...
  • Credit Card Debt - Do You Feel Frustrated  By : Scott Knutson
    If you're one of those people who like to "charge it" to their plastic, chances are you've piled up a mountain of debt. And like most people who have spent their way into a financial corner, are probably don't have the money to pay off your debt.

    Credit card debt is a serious problem - a problem that won't just simply go away on its own. Unfortunately, many people compound their financial problems by doing just that - ignoring it, because it's such a scary and humbling exp...
  • What Does A 'Universal Default Penalty' Clause Mean On My Credit Card?  By : Joseph Kenny
    You apply for a credit card that has an advertised 10% APR. The card is approved and you spend money on it. Some months later you notice that the interest rate cannot possibly be 10% APR but is nearer 30% APR. You immediately claim you have been cheated; but the credit card provider counters that they have invoked the Universal Default Penalty Clause under your agreement with them. Bewildered you wonder what on earth a Universal Default Penalty clause could mean. And the answ...
  • Credit Card Faqs - What If I'm Turned Down?  By : Joseph Kenny
    So, you’ve filled out the application and are waiting for your brand new, shiny credit card to arrive in the mail. But when the letter finally arrives, you’re not greeted with a new credit card, but a denial letter instead. What to do? Read the fact below and determine your next steps.

    1. What are some of the reasons that I can get turned down for a credit card?

    There are many reasons that people are turned down when they apply for credit cards. Every credit card compan...
  • Credit Card Goodies With Affinity Credit Cards  By : Joseph Kenny
    Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that. By making an affinity credit card your major credit card, you can donate hundreds of dollars to your favorite charity - just by using your credit card the way that you normally would.

    Affinity credit cards have been around since the 1980s, but they've really taken off in...
  • Gas Rewards Credit Cards: A Look At The Top Three  By : Ed Vegliante
    Gas prices are skyrocketing all across the United States, which means that consumers are constantly on the lookout for ways to counteract the unprecedented assault to their bank accounts. At over $3.00 per gallon for the lowest octane fuel, people who commute to work or drive for a living are suffering under the weight of gas prices.

    One of the most effective ways to reap a few rewards on gasoline purchases is to purchase a gas rewards credit card. More and more people are...
  • Minimum Monthly Credit Card Payments On The Rise  By : Ed Vegliante
    It is estimated that more than 40% of Americans carry a revolving balance on at least one credit card. This is an enormous number, and it is caused primarily by the security people feel in making minimum monthly payments. When you charge money to your credit card, you are only required to make a small monthly payment to keep the debt from entering into collections, which means that a purchase made in 1995 might still be carried on a credit card in 2006.

    Under pressure from...

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