Credit Cards
“Money is just the poor man's credit card.”
Marshall McLuhan
Credit Cards
“Modern man drives a mortgaged car over a bond-financed highway on credit-card gas.”
Earl Wilson
COMMON CREDIT CAR=
D TRICKS
=A0
Every other year a couple of new companies rush into t=
he credit card business and new names pop up every now and then.=A0 The competition in the credit card indust=
ry has always been increasing but still the rates and fees also keep increa=
sing. As the competition gets more and more fierce the costs get bigger and=
bigger.
=A0… Continue reading
CREDIT CARD DEBT =
=96 THE TRUE STORY
=A0
The American Government claims that an average America=
n household holds a credit card debt of 8000 dollars. That for sure is a wh=
opping sum. The lawmakers keep mentioning these figures at the drop of a ha=
t and that could just be to indicate the impeding economic collapse or to s=
how that the country has really been suffering… Continue reading
WAYS TO HANDLE CO=
MMON CREDIT CARD TRICKS
=A0
Credit card companies try every trick in the book to g=
et money from their customers. They understand perfectly that the only way =
to stay in business and to make money is to get the maximum out of their cu=
stomers by hook or by crook. However there are innumerable ways to handle t=
hese credit card companies and the… Continue reading
PREPARE YOURSELF =
TO MANAGE CREDIT CARD DEBT
=A0
Americans get their first credit card as early as when=
they cross 18 years of age. This is at a point when they are neither finan=
cially stable nor mature enough to handle something as tricky as a credit c=
ard with the result that they fall headlong into debt within no time. By th=
e time they decide to… Continue reading
BEST GAS CREDIT CARDS IN THE US
Do you want to get an expensive travel bag for buying gas from your =
neighborhood gas station? You may think that I am talking about =
impossible things. But in fact this is quite possible if you own a good =
gas credit card. Following are some of the best options for gas credit =
cards in the American market… Continue reading
SMART TIPS FOR JU=
MPING OUT OF CREDIT CARD DEBT
Credit card debt can be a nerve racking problem and a =
major headache but millions of Americans suffer from credit card debt, hand=
le it everyday and do mange to get out of it benefiting both economically a=
nd emotionally. Here are some hard and fast rules that will let you emerge =
a winner in the debt management… Continue reading
Paying your bills using your credit card.
One golden rule of budgeting is to always pay your uti=
lity bills using cash. That way you can be sure that bills remain within yo=
ur means. If you end up paying all or most of your utility bills with your =
credit card ask yourself a question as to why you end up doing so. If the a=
nswer is that… Continue reading
KEEPING AWAY FROM=
A CREDIT CARD CRISIS
A credit card is almost an essential requirement in to=
day=92s life. But on the other hand credit card is one thing the overuse of=
which can easily land you in debt. You need to be prudent in when and how =
you use your credit cards and there are numerous strategies to ensure that =
you do not end up… Continue reading
CREDIT CARD DEBT
=A0
The moment you lag on paying your credit card bills yo=
u have taken the first leap into the sea of credit card debt and if you do =
not take steps to remedy it immediately it can drag you in within no time. =
More than half of America is into credit card debt. But the patterns a habi=
t of debt will be different… Continue reading
MANAGING CREDIT C=
ARD INTEREST RATE INCREASE
=A0
Owing to the credit crisis and the financial recession=
in the recent past credit card providers have started peaking their intere=
st rates regularly. Credit card industry in the US is dominated by private =
players and the absence of hard and fast rules regarding what a credit card=
issuer can charge their customers makes them change their rate very… Continue reading
MAKING MONEY WITH=
CREDIT CARDS
=A0
Credit card companies give their customers plenty of c=
hances to make money through their lavish cash back, discounts and offers. =
But the flip side of these opportunities is that are mostly hit or miss opp=
ortunities and you needed to carefully plan if you wish to make money out o=
f their rewards schemes. Following are some ways to make money… Continue reading
GAS CREDIT CARDS
=A0
The price of fuel is becoming increasingly high since =
the last few years. It is not just enough that you economize on your drivin=
g and save on fuel but it is necessary to be prudent in your gas purchase a=
lso. If you check with any expert on savings on gas they will advise you to=
purchase a gas card.
=A0
But… Continue reading
GAS CARDS- MONEYS=
WORTH OR NOT?
=A0
There is a lot of difference between what is being sai=
d and what is not being said and many times nobody bothers to state where t=
he real problem lies. This statement is especially true when it comes to re=
ward credit cards where the obvious is mostly not that obvious. The same th=
ing applies to gas credit cards as… Continue reading
BEST GAS CREDIT C=
ARDS IN THE US
=A0
Do you want to get an expensive travel bag for buying =
gas from your neighborhood gas station? You may think that I am talking abo=
ut impossible things. But in fact this is quite possible if you own a good =
gas credit card. Following are some of the best options for gas credit card=
s in the American market.… Continue reading
GETTING APPROVED =
FOR A LOW INTEREST CREDIT CARD
=A0
Credit card issuers are not very particular that you g=
o in for a low interest credit card because they do not get the chance to s=
queeze out the maximum money from your pockets. But if you are someone for =
whom maintaining a credit card balance is part of life then you will badly =
need to own… Continue reading
GETTING APPROVAL =
FOR THE BEST CREDIT CARD DEAL
=A0
Finding out the credit card deal that suits you best c=
an save you infinite amount of money. Not just that. You would stand to gai=
n from every dollar you shop for. Credit card providers have become very ch=
oosy about who their customers should be post the recession. The new set of=
credit laws though have mad… Continue reading
ALL YOU NEED TO K=
NOW ABOUT LOW INTEREST CREDIT CARDS
=A0
Low interest credit cards will prove to be extremely b=
eneficial to those with a low credit score since they may find it difficult=
to qualify for other types of credit cards. But they best help people who =
are in the habit of maintaining huge outstanding balances in their credit c=
ard bills and do not… Continue reading
WHEN SHOULD YOU N=
OT USE YOUR CREDIT CARD?
=A0
If you plan to make your credit rating agencies happy.=
You make credit bureaus happy if you shop well on your=
credit card and pay off your dues on happy. But you can be guaranteed to g=
et a frown on their faces if you plan to not pay your bills or keep a whopp=
ing figure as… Continue reading
WHEN SHOULD YOU N=
OT USE YOUR CREDIT CARD?
=A0
You may not be seeking reasons to purchase using your =
credit card when you actually should. But there is no excuse if your do not=
think of when you actually should not be using credit cards.
=A0
Do not use your credit cards after the clock strikes 1=
2.
You may not be in your financial or… Continue reading
HOW TO CLOSE A CR=
EDIT CARD LETTER?
=A0
This is the age when most Americans own more than a co=
uple of credit cards. They become so preoccupied with life and its problems=
that they do not check whether they are using all the credit cards that th=
ey have. It is important to use all your credit cards regularly. There is n=
o point paying for a… Continue reading
PROS AND CONS OF =
GAS CARDS
=A0
If you travel a lot by road then you might be mostly u=
sing a gas credit card. This credit card is similar to most other rewards c=
redit cards wherein every dollar worth of fuel purchase will give you miles=
which can then be renewed for travel based rewards and benefits. As is the=
case with all other credit… Continue reading
EDUCATING YOUR KID ON CREDIT CARDS
Parents today are apprehensive of letting their kids use credit cards.
They feel intimidated by the fact that one wrong step or one crucial
mistake might spoil their kid=92s chances of ever making it in the world
of credit. This fear is perfectly relevant and a step taken in the
wrong direction can indeed be dangerous. But it would be good for
parents… Continue reading
STUDENT CREDIT CARDS- TAKE THEM YOUNG!!!
Credit card companies face the maximum risk of non repayment of dues
from their youngest segment of customers. Earlier credit card
companies were equally or probably more eager than the young college
goers themselves in inducting them into the world of credit cards.
They were under the impression that these youngsters would be too
immature to handle credit cards and the assumption turned… Continue reading
BEST BETS IN STUDENT CREDIT CARDS
If you are able to use well a credit card given to you when you are in
college that would be the best thing to happen to you with regard to
your credit score. As the world faces more and more financial pangs
and disasters banks and credit card issuers are being very fussy on
whom they issue credit to and a good… Continue reading
BEST BETS IN STUDENT CREDIT CARDS
If you are able to use well a credit card given to you when you are in
college that would be the best thing to happen to you with regard to
your credit score. As the world faces more and more financial pangs
and disasters banks and credit card issuers are being very fussy on
whom they issue credit to and a good… Continue reading
CREDIT CARDS AFTER BANRUPTCY
Have you just filed for bankruptcy? Are you in a confusing state where
you do not now where to go or what to do next? If you are in a similar
state as this then before you know it you are going to be bombed with
a whole lot of offers from the best credit card issuers in the
country. When you are in a… Continue reading
DEALING WITH HIGH INTEREST CREDIT CARD DEBT
If you are heavily debt ridden and the major chunk of your debts are
from credit cards then the chances are very high that you own a high
interest credit card and the exorbitant and unaffordable rates of
interest that you pay your credit card issuer is what has landed you
in debt. If you have taken high interest credit cards it… Continue reading
HOW TO CANCEL A CAPITAL ONE CREDIT CARD?
Capital One has a whole bevy of credit cards for all income categories
and in every type. The company which has been in operations for over a
decade now have credit cards for both the Us and the UK. They are
slowly emerging as one of the powers to reckon with in the credit card
business owing to their aggressive advertising… Continue reading
ADVANTAGES AND DISADVANTAGES OF AIRLINE CREDIT CARDS
Airline credit cards work pretty much like other reward based credit
cards. You make your purchases in the credit card to gain points or in
this case flier miles for every dollar you spend. Once you gain the
stipulated points you can redeem them for air travel related benefits.
Some of the most sought after benefits include upgrade to a higher
class… Continue reading
DOS AND DONTS OF USING PLASTIC POWER
It is important to know what you are playing with and what rules you
need to adhere to when you play a game =96 any game for that matter. The
same rule applies to credit cards also. You need to know when to wield
a credit card and when not to.
List of Don=92t=92s
Do not use credit card to… Continue reading
HOW NOT TO REDEEM YOUR CREDIT CARD REWARDS? -contd
Pay exorbitant annual fees
Most credit card providers increase their annual fees in proportion to
the rewards that they offer. And you are paying this exorbitant fee
for rewards that you are most unlikely to redeem or perks that may be
otherwise cheaper. You will find very often that credit card companies
would just add on a couple of extra… Continue reading
HOW NOT TO REDEEM YOUR CREDIT CARD REWARDS?
As the country moves father and farther away fro economic recession
and financial crisis credit card issuers seem to be getting stingier
with their perks. Though the number and attraction of the benefits are
on an all time boom the credit cards issuers=92 present strategy seems
to be to make it increasingly difficult to redeem the points. Airlines
rewards seats seem to… Continue reading
REDUCE YOUR CREDIT CARD DEBTS
A debt of any form is like a swamp. The more you try to pull away from
it the more it will pull you towards it. A high interest credit card
debt is not any different. If you think you cannot afford to repay
your credit card debt immediately then the net best thing to do is to
try to reduce it. Following are… Continue reading
CREDIT CARD USAGE IN EUROPE
A friend of mine who was on a European tour was shocked to find that
her American credit card which worked perfectly well everywhere in the
world firmly refused to respond to European credit card processing
machines. The poor lady who is a globe trotter by passion was left
with the option of either paying through cash or to refrain from
shopping.
If… Continue reading
PACK THE RIGHT CREDIT CARD WHEN YOU CROSS THE SEAS
The dollars weakness will eat into your finances when you travel
abroad. If you do not want to add the burden of additional fees to
your already weary purse then it is crucial that you pack the right
credit card just as you would pack in the right clothes and the
suitable footwear when you plan to tour the… Continue reading
TRAVEL WISELY WITH PLASTIC
Credit cards are undoubtedly travelers best friends because they get
you the best exchange rates in town, most conveniences and a hassle
free and safe journey. With most regular hotels and low cost airlines
accepting credit cards plastic has made any journey, even those which
requires you to cross more than a couple of oceans and a few
continents a walk through. But not all… Continue reading
CREDIT CARD TIPS FOR BEGINNERS
The Credit Card Act 2009 permits young Americans who are as old as 21
and have an independent source of income to own a credit card. If you
want to go in for a credit card for the first time in your life
irrespective of how old you are it is crucial to understand a few
things.
Not all credit cards are the… Continue reading
WHAT YOU SHOULD KNOW ABOUT THE NEW CREDIT CARD RULES?
It took the Federal Banking regulators over 60000 comments and immense
pressure both from within and outside to implement a new set of rules
which are being called the Credit Card Act of 2009. These rules are
basically intended the long sought after relief to debt ridden credit
card customers and are highly in favor of the customers and… Continue reading
USING CREDIT CARDS TO STARTUP YOUR BUSINESS
Following the credit recession of 2008 banks became apprehensive of
offering credit to small business owners because of the high danger of
default. Now after the euro crisis it would not be wrong to say that
banks are no longer interested in issuing credit cards to small
businesses. So if you are a small business owner you can no longer
rely upon… Continue reading
HOW CAN A COLLEGE-GOER USE CREDIT CARDS WISELY?
If you are a college student and have recently joined a new course in
any if the leading Universities in the country by now you would have
been approached by a multitude of credit card issuers with every offer
in the book and myriad promises. But do you realize that a credit card
would open your world to a lot of… Continue reading
BUSTING MYTHS ABOUT REWARD CREDIT CARDS
Who would not like to get something for every cent that you shop for.
This is why rewards credit cards are so popular in the US. But people
end up spending much more than what they would usually do just for the
sake of getting points. There are numerous myths attached to reward
credit cads and it is misunderstanding on the part of… Continue reading
BUDGETING FOR CREDIT CARDS
More than fifty percent of Americans who own a credit card also own
credit card debts. The only reason why so many people suffer from
credit card debt is because they do not budget for credit cards
adequately. Even before you think of owning a credit card it is of
prime importance that you factor the expenses it is likely to produce
into your budget… Continue reading
GETTING RID OF CREDIT CARD DEBTS AND SAVING MONEY
Credit card debts can get worse before you know it and by the time you
realize it the damage would already have been done. You find out that
the debt is so high that you will need to borrow again to pay the huge
sum off. Everyone incurs credit card debt at some point of time or the
other. The… Continue reading
TIPS TO MAKE CREDIT CARD DONATIONS
Gone are the days when you had to venture out, try to locate a charity
or social service organization and then make your donations towards
them. This is the age when even charity can be undertaken online. You
can just select a charity or an organization whose cause you support
and make your donation online. This is what we probably can call
social… Continue reading
GETTING THE CREDIT CARD YOU WANT
As the American economy is breathing its way out of the recession and
the credit crisis credit card companies are highly apprehensive about
whom they issue their credit cards to. They do a hundred checks today
and validate you ability to pay their dues on time before they give
you a credit card. Credit card companies are making it increasingly
difficult for their… Continue reading
HOW TO REDEEM CREDIT CARD REWARDS?
If an average American opens his wallet at least four rewards credit
cards will be sure to jump out. People who do not otherwise have too
many credit related concerns just get all possible rewards cards. But
how many of those reward schemes come to be of use to them or what
perks they avail will be a totally different story altogether… Continue reading
TIPS TO USE YOUR CREDIT CARD ABROAD
There are many credit cards that can be used anywhere in the world.
But most of them charge you exorbitant fees for overseas transactions
and if they area percentage of your bill each time you purchase then
it is likely that you may need to pay a king=92s ransom as your credit
card bill. If you need to travel economically and save… Continue reading
TIPS FOR SAFE ONLINE SHOPPING
You find the branded perfume you have been eyeing for ages but could
not buy because of its prohibitive cost at reasonable rates in a
website. You jump at the deal and do not wait to see if the website is
authentic and end up losing your money as well as your personal
information. This is what happens when you make purchases from
websites… Continue reading
THINGS YOU NEEDTO KNOW BEFORE APPLYING FOR A CREDIT CARD
Last year over 1 billion advertisement, promotional material or group
mails were sent out to Americans on credit cards. Your emails inbox
and your postal mail box is most likely to be clogged with offers and
mass mailers from credit card companies at the start of the accounting
year. The huge number is in itself a strong indicator of… Continue reading
SECURED CREDIT CARDS THAT HELP TO BUILD CREDIT
When you have bad or no credit it becomes difficult for you to get
good unsecured credit card. The only option left is to go in for a
secured credit card. A secured credit card would require you to secure
your credit card expenses through a security deposit. This deposit
will not be used against your credit card bill and will… Continue reading
HOW TO SNAG THE JUICIEST REWARD CREDIT CARDS?
When there were no rewards credit cards people were not even half as
tensed or did not think even one fourth as much to see whether they
had the best deal in the market .This was because nobody felt
intimidated by the fact that they could have forsaken the best deal or
that their neighbor could have snagged a creamier offer… Continue reading
WHAT WILL THE NEW CREDIT CARD RULES MEAN TO YOU?
From the time credit cads have come into existence credit card
companies have always been introducing novel ways to improve their
bottom lines by eating into their customer=92s income. The Credit Card
Act of 2009 may just put an end to all that. The new set of rules
pertaining to credit cards have come into force with the customers… Continue reading
HOW WILL THE NEW CREDIT CARD RULES BENEFIT YOU?
Studying the causes for the credit crisis which had caused the
recession in the US in 2008 the Obama administration decided to study
the credit card business in depth and as a result of the studies
conducted came the Credit Card Act of 2009. The new set of rules has a
lot to offer to the customers and if used… Continue reading
HOW TO RESEARCH CREDIT CARDS?
There are so many credit cards available across each segment on the
market. There are credit cards for every kind of credit score be it
low, high or medium. The biggest mistake that people make with credit
cards is not to check out the various options in the market. Studies
indicate that the process that most commoners adopt when it comes to
selecting a… Continue reading
HOW TO GET THE BEST CREDIT CARD DEAL?
There is no point in getting any credit card. If people just wanted
any credit card here is absolutely no need for the hundreds of
websites that offer numerous reviews of credit cards. The sea of
information available offline and online is in itself evidence to the
fact that getting a credit card requires some research which would
basically be centered… Continue reading
GETTING A CREDIT CARD FOR THE FIRST TIME
You can get a credit card for yourself if you are at least 21 years of
age and have an independent source of income. The first time you get
your credit card the biggest challenge you would face is to convince
the credit card provider of your ability to repay them and as to how
creditworthy you are. The more credit… Continue reading
USING A PREPAID CREDIT CARD
A prepaid credit card is not just a credit card to be used by people
with no, bad or sad credit scores. In fact it can make a good gift for
loved ones because you can load a certain sum into a prepaid credit
card and all you would need to do would be to hand the card over to
your loved one… Continue reading
The new set of rules pertaining to credit cards aptly called the
Credit card Act 2009 has come into force. The Government had analyzed
the causes for the credit crisis which had earlier engulfed the
country and was shocked to find the huge numbers of people stricken by
credit card debt and realized that it was time to take some string
action in this regard. The latest set of laws… Continue reading
A PREPAID CREDIT CARD- YOUR PATH TO GOOD CREDIT
A prepaid credit card is essentially an option that is intended for
people with bad or no credit and hence it would most often satisfy the
one most important criterion that people with such a credit status are
on the lookout for which is to restore their credit status. A prepaid
credit card would require you to load money… Continue reading
LIFE WITHOUT A CREDIT CARD????
I had not intended to put a single question mark at the end for the
title but as I just finishes the title realized that it was a big
question to ask today and decided to put not one but four question
marks after =93Life without a credit card.=94 Plastic has become so
important to people today that it seems impossible to imagine… Continue reading
PROS AND CONS OF 0 INTERESTS BALANCE TRANSFER CREDIT CARD
Banks have witnessed a major increase in the number of customers who
solicit credit cards. The higher the numbers of families getting into
debt the more the demand for 0 interest balance transfer credit cards
. This in itself is indicative of the fact that people realize how
balance transfer credit cards can help them get out of minor… Continue reading
IDEAL CREDIT CARDS FOR TEENS
In the early days it was impossible for teenagers to own credit cards
of their own. In fact there were no credit cards at all for students.
Then came the era when student credit cards formed the cream of the
credit card business and credit card companies were aggressively
marketing their student credit cards and targeting youngsters on a
very large scale. Following the… Continue reading
HOW WILL THE NEW CREDIT CARD BILL IMPACT THE YOUNG CUSTOMERS?
The Credit Card Act of 2009 that was recently approved by the American
Government has been a cause of concern to both the credit card
providers as well as their young customers. The law mandates that
customers have to be at least 21 years of age and should have an
independent source of income in order to own… Continue reading
HOW TO CHOOSE A SECURED CREDIT CARD?
A credit card is a mandatory requirement today and not having one is
not even considered an excuse today since credit card companies have a
credit card for everyone irrespective of how their credit history look
like. So if you have a very low or no credit score then the best
option is to go for a secured credit card.
What… Continue reading
BUILD YOUR OWN DEBT REPAYMENT PLAN
MONEY CREDIT CARD – HOW TO MAKE MONEY FROM CREDIT CARD?
HOW TO GET BY INTEREST RATES AND HIDDEN CHARGES IN CREDIT CARDS?
Credit Card Tips for Foreign Travel
CREDIT CARD FEES – WHO PAYS MORE CREDIT CARD FEES- NEW USERS OR OLD?
STORE CREDIT CARDS – RETAIL STORE CREDIT CARDS ARE BOON OR BANE?