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  • The Credit Crisis - What to expect and what to watch  By : Karin Kennemssfs
    As the world comes to grips with its unsustainable credit expansion of the last decade, a harsh new reality awaits many that assumed that this past period was a normal economy. Rooted in the widely adapted theory of Keynesian economics (save in good times, spend in bad times) boosting the economy has been a priority.
  • New Credit Card Act Ensures Debt Help For Consumers  By : Brian -Reed
    Debt Help is provided by a new credit card act, passed as of late February 2010. The act presents many new rules, though most of them are geared towards protecting the average consumer.
  • Credit Card Companies Fight To Stay One Step Ahead of Consumers  By : Brian -Reed
    New limits to credit card companies have caused them to enact new, crafty ways to shore up lost revenue streams.
  • Get Ready to Opt-In to Debt  By : Hayden Antonio
    Did you know that this summer you will no longer have to worry about acquiring overdraft fees by your bank when you mistakenly spend more money than you have in your checking account using your ATM or debit card. The reason for this is because after all this 15 2010 you will actually have to opt in to overdraft protection from your bank.

    In addition to this credit card companies will no longer be allowed to let you go over each your credit card limit without your permission. What does this mean?
  • Credit Score - How To Fix Bad Credit  By : Stu Pearson
    These days your credit score ratings can make a big difference in nearly everything you do. The need for a good credit rating is what many employers will look at to determine whether or not you get the job. Banks and creditors will use your credit score to come to a decision whether or not you will be approved for the loan you may need.
  • Tips On Adjusting Your Credit Limit  By : Peter Kenny
    Using credit cards effectively often depends on the level of credit that you have, and how you spend that credit. There are times when you might need to increase your credit limit, and times when you might need to reduce it. If you are unsure about how to adjust your credit limit to suit your needs, then follow this simple advice in order to know when to adjust your credit limits.

    What are your current limits?

    Before knowing whether you should adjust your credit limit, ...
  • Advantages And Disadvantages Of A Prepaid Card  By : Peter Kenny
    Prepaid cards are one of the newest and most interesting financial products on the market, and they are something that everyone should be made aware of. However, many people do not know what prepaid cards are, and how they can benefit you. If you want to know more about prepaid cards, then here is some advice about their advantages and disadvantages.

    What does prepaid mean?

    Many of us have prepaid phone cards or SIM cards for our mobiles, but prepaid debit cards are qui...
  • Prepaid Debit Card - Guaranteed Approval  By : Bradley Carson
    The difference between a credit card and prepaid debit card is that with a credit card you are borrowing the money to pay back later, while with a prepaid debit card you are subtracting your own money being held at the financial institution.

    Most people realize that it's almost impossible to get by without a credit card of some sort. Yet, there are millions of American families that have no bank account and no credit card. They often pay their bills either in cash or by mo...
  • Good Credit vs. Bad Credit  By : Connie Barker
    There are millions of people in the world that have poor credit, so first and foremost, realize you are not alone! However, having bad credit is not beneficial to your financial future. I intend on explaining to you the reasoning for this, as well as helping you find the right solution for your credit problems. There is light at the end of the tunnel! There is a way to free yourself and your family from financial burden, read on to find out.

    Credit is an ongoing problem in...
  • Credit Terminology Explained  By : Brad Stroh
    When dealing with credit, there are a multitude of terms that you should understand. These terms are used frequently when dealing with credit and will help you better comprehend exactly what is involved in your credit. Read through this credit terminology guide and educate yourself on the world of credit.

    Adjusted Balance – Adjusted Balance is a method of calculating your credit balance and Annual Percentage Rate (APR) where payments and/or credits made during the billing ...
  • All About Your FICO Score  By : Brad Stroh
    When it comes to credit, your FICO score is what counts. If you’re new to the credit or home buying game, FICO is probably a very mysterious and confusing word. You probably already know it has something to do with credit; but do you know exactly what your FICO score is and means? If not, read on.

    To put it bluntly, your FICO score is a number that determines the interest rate you’ll get on a loan. You can find it at It is a predictive measure used by ...
  • The Credit Card Application: A First Step Toward Credit  By : Julee Mitchelsin
    On most days I love my work as a financial advisor to my wide variety of clients. I love helping people take a serious look at their financial situation and helping them make wise financial decisions. I get frustrated, however, when my clients "put the buggy before the horse" so to speak and start worrying about things like credit problems before they have even applied for credit. I have had countless conversations about the importance of filling out a credit card application...
  • Using Your Mortgage To Generate Credit  By : Peter Kenny
    If you need money for home improvements or a business, then you could use your mortgage to generate the credit you need. Although using your mortgage to generate credit shouldn’t be your first choice, if other lines of credit are closed to you then releasing equity from your home is a good way to generate a line of credit.

    When should you release equity?

    Releasing equity should definitely not be your first choice for generating credit. If you need money over a short per...
  • Credit For Young People: Establishing A Credit History  By : Joshua Wills
    If you're like me, a teenager or young adult, just getting started in the big wide world, getting credit can be tough. Most creditors want to see a solid credit history before they give you a loan. They seem to be as clueless as I am as to how to get a credit history. After all, how do you get a credit history when you have to have one to get credit? Duh!

    As frustrating as it can be for a young person, there are a few ways to get some credit history, to at least give you a...
  • Consumer Credit Counseling  By : Keith George
    Consumer credit counseling is a big service field in the United States. It is a common problem for many persons in the United States to face a potential credit card debt. To show these persons the right way to act these credit card counseling services are in the scenario.

    Every year, more than one million persons in the United States visit credit counselors or credit counseling agencies. They want help to get rid of their credit card debts and regain financial control. But...
  • How Fair Lending Protects Us  By : Peter Kenny
    Fair lending is an extremely important issue in the protection of consumers and their interests. There is a variety of legislation, both state and federal, that will be in place to make sure that lenders do not take advantage of consumers when they are borrowing money. One of the most important is that they explain the terms of the loan to you properly.

    The annual percentage rate, or APR of the loan, which is the total cost of loan including all extra charges and arrangeme...
  • Good Credit Report: A Positive Credit Tool  By : Barney Garcia
    Today, banks offer credit for all your requirements, be it buying a house, car or consumer goods like a television, washing machine or a music system. The financers finalize their decision to lend you money based on your credit report. Special agencies or credit bureaus maintain these reports.

    What is a Credit Report?
    A credit report represents the record of your previous credits- whether you paid them completely and on time. It also shows complete details of your credit ...
  • Credit Where Credit's Due  By : Pearl Deloria
    Borrowing money has become easier in recent years, and credit cards have become abundant and more and more competitive. It seems to be so much easier to get hold of credit nowadays so it’s no surprise that there is more debt in the developed countries than ever before.

    Credit card companies, banks and other lenders all make their money on the interest they charge you for borrowing money from them.

    Obviously we can never predict in life when something is going to go pear...
  • Preparing For The Unexpected  By : Debbie Dragon
    While many people don’t like to talk about it unemployment is something very real that has the potential to be very damaging for the ill prepared. Due to poor planning and denial, many people once unemployed find themselves in a severe financial struggle. Credit card companies are calling them at home, at their old offices, and in some cases contacting them via mail and e-mail. So not only are they being stalked by creditors they are also, more than likely, getting calls of r...
  • Understanding How Merchant Credit Card Services Are Processed  By : Stu Pearson
    A merchant account is a credit card account that a merchant opens with a bank, allowing the merchant to accept credit card orders from customers. This is the same as what you see on some web sites that sells things and stuffs.

    There are various processing options provided by merchant credit card services providers: real-time Internet processing, retail-swipe terminal processing and computer-based processing.

    Real-Time Internet Processing

    This type of credit card serv...
  • Home Equity Line Of Credit - How To Benefit The Most From A Home Equity Line Of Credit  By : Carrie Reeder
    The options for tapping into your home equity are numerous. Some homeowners choose to refinance, while others take advantage of home equity loans. A home equity line of credit is a great option for homeowners who want access to their home's equity over a length of time. There are benefits to a home equity line of credit. However, to avoid the pitfalls of these types of loan, consider the following.

    What are Home Equity Lines of Credit?

    Home equity lines of credit are re...
  • Maintaining An Optimal Balance  By : Debbie Dragon
    Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month. While the advertisements of the Visas and MasterCards of the world continue to tout the convenience and ease at which you c...
  • Credit Cards And Divorce  By : Joseph Kenny
    If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. This includes mortgages on a jointly owned home and any joint credit cards that you have. You also need to be aware of how failure to pay those debts on time will affect your credit rating – even if your divorce decree states that you are not the party responsible.

    There are two kinds of credit card accounts – individual a...
  • Who Sells Your Personal Credit Information?  By : Jeanette Joy Fisher
    It's not well known, but if you have recently applied for mortgage credit, the information you shared was probably sold within twenty-four hours of your mortgage application. Credit reporting agencies commonly sell what they term "trigger lists" of folks who have recently contacted mortgage lenders for rates or loan preapproval and have given loan officers permission to check into their credit.

    These leads are being bought by data marketing companies who then resell the in...
  • Five Credit Building Tactics  By : Joseph Kenny
    If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help.

    1. Open a current account

    All credit card companies like to see that their potential borrowers are responsible when given the opportunity to borrow money. However, if you only have a deposit account then there is no real chance ...
  • Before You Compare Credit Card Offers  By : Bradley Carson
    Are you thinking of applying for a new credit card? If so, you may want to begin asking yourself what your personal financial goal is. After you’ve recognized your own needs, you can then pick the category of card you desire and begin your journey to compare credit card offers.

    For a student who is applying for a first credit card there are a number of credit cards available that include a variety of features. The benefits of each card vary and can include 0% APR introduct...
  • Saving Money Can Help You Avoid Bad Credit  By : Joseph Kenny
    One thing that many high schools today fail to teach students is finance management. Studies have shown that many students graduate from high school without knowing the basics of personal finance. Many of these same students will shortly be sent a credit card after their graduation and because of this it is easy to see why so many people today have problems with debt and bad credit.

    Broadcasting Some Bad Habits

    The news and media are a part of the problem as well. We li...
  • Smart Credit Card Habits For Students  By : Peter Sissons
    For credit card companies one of the largest groups of potential customers they chose to target each year is college students. Student credit cards offer young adults a way to cover expenses while attending school, something that is often easier said than done. By offering naïve college students, who have little to no prior experience with credit cards, a way to pay their bills and cover other expenses, credit card companies often find a number of eager new customers. However...
  • Climbing Out Of The Bottomless Pit Called: Credit Card Debt  By : Peter Sissons
    Credit cards are actually a loan in disguise. They are not free money. If this golden rule is understood it would prove to be the first step towards avoiding the never-ending credit card debt. Taking a credit means taking a loan from someone who has extra at this time when you don’t. But this is the beginning of the credit card debt. Credit card debts come in handy while traveling and other expenses where cash is hard to find or hard to carry. Moreover it is good to have cred...
  • Credit Cards For People With Bad Credit – Quickly Increase A Low Credit Score  By : Carrie Reeder
    Because bad credit credit cards include various fees and higher interest rates, some people are hesitant to open a bad credit credit card account. However, there are certain advantages to using these sorts of credit cards.

    For starters, if you have no credit history, bad credit credit cards are easier to qualify for. Similarly, these credit cards are perfect for raising a low credit score.

    Disadvantages of Having a Low Credit Score

    There are no advantages to having a...
  • The Enticing Trap Of Credit Card Debt  By : Debt Consolidation Web Guide
    It has never been easier for people to live well beyond their means than it is today. Credit is easy to obtain, and in a society obsessed with material gain, credit is sought and used on a basis that is so regular even financial watchdogs are beginning to sound warning bells. The average savings for the United States and Canada over the next few years are actually expected to go into the negative figures, as more people purchase what they cannot afford.

    One of the main con...
  • Prepaid Credit Cards.  By : Debbie Dragon
    Prepaid credit cards are new twists on the popularity of plastic money. The name says it all. They are cards that function just like credit cards in nearly all aspects, but you have to pay the spending limit upfront. It's like a prepaid phone card you can use to buy anything at all.

    There are a lot of benefits to a prepaid credit card, as well as many different applications for the technology. The most obvious benefit is that you can't go over your limit. There is no such...
  • Cash In With Your Cash Back Credit Card  By : Peter J Kenny
    Cash back credit cards are very attractive to customers and many will feel that they should just accept the first cash back credit card they are offered, particularly if they are in a position of paying off all of their credit card bill in full each month and therefore being best able to take advantage of a cash back offer
  • Credit Card Applications FAQ  By : Joseph Kenny
    Lots of folks have questions about credit cards but may feel shy about asking for fear of being seen as not savvy. Here's a list of frequently asked questions about applying for credit cards to bring you up to speed on what you need to know about the credit card application process.

    Can I apply for a credit card?

    In general, if you're 18 years of age or older (the age limit may be lower in some states) and are a U.S. citizen, you have the legal right to apply for a cred...
  • Credit Card Eligibility  By : Joseph Kenny
    Have you wondered how credit card eligibility is determined?

    Curious whether you’re eligible for a credit card?

    It all has to do with your credit rating and credit score. Here we go with a quick tutorial on what constitutes credit-worthiness and how you can make sure that you are eligible for a credit card when you want one.

    Credit Reports and Credit Scores

    When you buy something on credit or have a credit card, the credit card company or store makes periodic rep...
  • Taking Steps To Repair Bad Credit  By : Ken Snow
    Repairing your bad credit is never easy, but there are solutions that can help you get out of debt. Everyone has bills and sometimes bills can get out of control. Because paying your bills is an ongoing process, the best possible solution when you are in trouble is by asking for help and working to get your debt under control.

    Since new laws make it difficult for consumers to restore their credit rating, it might seem impossible to get out of trouble. However, under the la...
  • How Good Is Your Credit? Why Does It Matter?  By : Ken Snow
    Why is having good credit so important? Since today’s society is so financially-driven, establishing and maintaining good credit is imperative if you want to be able to do any of the following:

    1. Apply for a job
    2. Rent an apartment or buy a home
    3. Open an account at a bank
    4. Set up an account with the utilities or telephone company

    It used to be that having good credit was important in order to simply buy a home or car, but not anymore. Even applying for a new jo...
  • How To Build Up Your Credit  By : Ken Snow
    There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don’t need. If you always make impulse buys, you will find yourself in deeper debt very quickly. And if you have no credit history at all, you must keep that in mind.

    Building good credit if you have bad credit

  • Student Loans And Finances - Life As A Cash Strapped Student  By : Mike Avro
    It can be the best time of your life, or the worst depending on how you aproach what life deals you as a university student. For most of us heading off to college or university is the first time we've ever been away from home for any long period of time. It is also one of the first times we are pretty much completely responsible for our finances. It is a sad but true fact that for most university students, money is just as important (or more important) than good grades.

  • Advantages Of Using A Credit Card For Monthly Expenses  By : Debbie Dragon
    A credit card can be a great tool for managing your monthly living expenses. Using your credit card to charge all of your bills and purchases can make life easier. When used wisely, this approach can save time and help you maximize your credit card’s rewards program.

    Establish a budget

    The first step to successfully implementing this strategy is to set up a monthly budget. When you set limits for yourself, you can be sure not to charge more on your card than you can pay...
  • Student Credit Card Or The Bank Of Mom And Dad  By : Mike Avro
    Student credit cards can be a quick and easy solution to an unexpected cash crunch. Lets say you work at a local hot-dog stand on weekends to help make ends meet. But the boss ran into a little gambling problem and couldn't pay you this week. But you bought a case of beer for the weekend and your last text book will finally be in at the bookstore on Monday (only a month late). This is an excellent situation to put a student credit card to use. You know you need the book, you ...
  • Money Management Tips For Students With Credit Cards  By : Lynne Birch
    Keeping control of your money is one of the hardest lessons we have to learn as new college and university students. For many of us it is our first time away from home, and the first time we have to be truly responsible for all the financial affairs in our lives. Some get a handle on money matters faster than others. That's just the way she goes. But if you're not really all that sure where your money is going each month, here are a few things you may want to consider.

    I. ...
  • The True Cost Of Bad Credit  By : Chris Bednarz
    I am often asked the question; What does bad credit cost me?”

    It is a hard question to answer because of the individual’s circumstances and the fact that lenders are competing fiercely for customers.

    But I will give it my best shot.


    If you know your credit score you will be in a position to make a pretty good guess at what interest you will be charged on a mortgage. In today’s (March 2006) market, mortgage rates for those in the top or prime category, w...
  • Credit Cards – Why Are They So Popular?  By : Joseph Kenny
    Credit cards have ballooned in popularity over the last decade. While once the preserve of the very rich, or very indebted, they are now available to practically everyone who wants them. They have become far easier to get a hold of. There is also a huge variety of choice out there for anyone who wants a credit card.

    Different Types of Credit Cards

    There are exclusive cards that offer their holders a huge array of benefits in exchange for a fee. But there are also cards...
  • Student Credit Card Debt - How To Avoid It And Tips On Managing It  By : Lynne Birch
    As new students head off to university and college each year they are presented with many challenges. Meeting new friends, encountering new ideas, and managing new responsibilities. Of these, perhaps it is managing money that is the most important. As a new student you'll find out pretty quick just how hard a weekend bender with the boys hits the pocket-book. So, once your head has cleared you may want to take a look at the following tips that can help any student manage thei...
  • How To Get Rid Of Your Bad Credit In Two Months  By : Jonny Goldmann
    You were sure that you would get the loan that you applied for, but to your surprise, a bank turned down the loan. The bank explained to you that you have bad credit and they consider you sub prime. What, you may, ask is sub prime? Sub prime means that you have bad credit and score of less than 620 on the FICO scale / rating. This however doesn't mean that you can't apply for loans. There are many lenders and companies who specialize in lending to sub primers.

    Ways to get ...
  • Home Refinancing For People With Bad Credit - Why Refinance Online  By : Carrie Reeder
    With bad credit, refinancing your home online will help you find better quotes, service, and application process. With hundreds of sub prime lenders to choose from, you can be sure to find the lowest rates. You can also enjoy service that can be customized around your schedule, getting an answer almost any time of day. And of course, online loan applications will speed processing.

    Online Offers Better Mortgage Refinancing Quotes

    With thousands of lenders online, financi...
  • Home Equity Line Of Credit - Is There A Prepayment Penalty?  By : Carrie Reeder
    For the most part, homeowners are familiar with home equity loans and home equity lines of credit. With either option, you are able to acquire funds for emergencies, home improvement projects, etc. Getting a line of credit and using your home’s equity to your advantage is a huge benefit to owning a home. However, before completing the credit application, homeowners should carefully read and understand the credit line agreement.

    How Does a Home Equity Line of Credit Work?
  • Credit Card Balance Transfers - 0% Introductory Offers  By : Joseph Kenny
    Balance transfers have grown in popularity and importance ever since lenders have started using zero per cent interest rates on balance transfers to lure consumers from other companies to their own.

    Introductory Offers

    These 0% balance transfer offers give the customer a very low, or zero per cent interest rate on any sum transferred from another credit card, over to them. If you are considering a balance transfer then there are two figures you should be aware of. The ...
  • Credit And Store Cards  By : Mark Lambie
    Where once the choice of credit card in the UK was extremely limited, now there is a plethora of companies bombarding everyone with promises of low interest rates, balance transfers and cards which are a status symbol for the holder. In addition to this, most of the High Street stores now offer their own store cards, giving you credit to spend in their store or a chain of stores only.

    When you reach the checkout at a clothes store, for example, you are offered a reduction ...
  • Bad Credit Home Equity Line Of Credit  By : Jonny Goldmann
    Bad credit can increase the difficulty that a homeowner encounters when seeking a home equity line of credit. Bad credit can be the reason for a poor credit score.

    What is a credit score?

    The credit score varies between the values of 300 and 850. The credit score is the creation of the Fair Isaac Corporation. Lenders who arrange for a home equity line of credit use the credit score in order to set the interest rate that will be charged the homeowner.

    Homeowners wi...
  • You're Being Forced To Make Higher Payments  By : J Schipper
    Consumers already burdened by higher energy costs are being saddled with another drain on their finances : higher minimum credit card payments.

    The higher minimum credit card payments are the result of January 2003 guidelines issued by the Federal Reserve, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency and the Office of Thrift Supervision. The Office of the Comptroller of the Currency, or OCC, regulates national banks and is concerned t...
  • Bad Credit Mortgage Arrears Loan  By : Micheal Reese
    Securing a mortgage when you have a bad credit history is not easy. It is estimated that some 25% of all mortgage applicants do not fit the profile of conventional mortgage loan companies, most of which tend to base their decision on whether to grant you a mortgage or not on what they see in your credit file. If you've ever defaulted on loans payments, have CCJs against your name or if you've filed for bankruptcy then it will show in your credit file, and go a long way toward...
  • Credit Problems? Tackle Them Head On.  By : Michael Challiner
    Hate opening the post? Dread receiving the bill and Bank Statements? Sounds like your finances are becoming a problem.

    The ostrich solution never works when it comes to debts – they just don't go away that easily. Take a tip - there's never a better time like the present to tackle a debt problem – as soon as piling bills give you a knotted feeling in your stomach, face up to the problem.

    Here's some practical advice.

    Make savings on your credit card bills.

  • Credit Cards Shamed Into Cutting Charges  By : Michael Challiner
    The Competition Commission one of the governments watchdogs, has at last moved to shame credit cards in to cutting their charges. The long overdue move comes after the Commission concluded that the credit card industry was overcharging customers between £55 and £100 million each year through excessive interest rates and other charges. And this has been going on for a least 3 years!

    The main culprits by far are store cards where interest rates are as high as 30.9% - even th...
  • How To Maintain Good Credit  By : Brandon C. Hall
    The majority of people these days rely a little bit too much on their credit in order to keep them living in the lifestyle that they are accustomed to. For many people their entire life seems to be run on a line of credit. This is all good but because credit has become such a life line to so many people, they have to resort to loosing almost the entirety of their paychecks from work just to keep their credit going.

    Most people are either living with credit debt that is so...
  • Bad Credit Credit Cards – Build Credit With A Major Credit Card  By : Carrie Reeder
    For the millions of consumers with bad credit and no credit, getting approved for a major credit card takes a lot of effort. Unfortunately, establishing credit is as equally challenging as re-establishing credit. Creditors consider both types of people as risky applicants. Thus, they are less eager to extend a line of credit. However, there are ways to get around this problem. Bad credit credit cards are intended to make it easier for some to obtain credit.

    The Importance ...
  • Credit Cards With An Annual Fee  By : Peter Kenny
    Most credit card companies will offer a premium option for their credit card customers that will generally be a credit card that you will have the option of paying for. These credit cards will in most cases have a name such as a gold card or a platinum card and many customers will buy them simply for the prestige that they purport to offer. However, such cards will generally also offer genuine benefits to their customers such as reduced interest rates on your balance, a highe...
  • Five Factors To Consider When Selecting A Personal Credit Card  By : Jeremy Zongker
    Nowadays many credit card companies offer perks to lure new customers ranging from introductory offers with zero percent interest for transferred balances, Reward Programs offering airline mileage and cash back, and discount programs with select merchants. While these offers may be very enticing, there are five key factors, none of which include perks, that you should consider when choosing a credit card.


    One of the first factors to consider when selecting a credit...

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