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5 Ways To Prevent Credit Card Late Fees
Paying a credit card late fee is the same as throwing your money away. Late credit card payments can also hurt your credit score. The payment tips and strategies here will show you how to prevent these costly fees. When credit card companies...
A Credit Card With More Than Meets The Eye
With so many credit cards dominating the market these days,
people can no longer tell the difference between one card to
another. It all seems like a wide array of credit cards all
committed to provide the consumers with substantial means...
Consumers, Beware The New “Wave” Of Credit Cards
J.P. Morgan Chase About the Author
© 2005, http://www.yourfreecreditreportnow.com Author: James H. Dimmitt James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and...
Credit Card Late Charges And How To Avoid Them
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's...
Credit Cards – What is the “Universal Default Clause”?
Most people who carry major credit cards are well aware that the interest rates associated with them tend to be higher than for other types of lending, such as home or auto loans. Anyone who has paid their credit card bill late more than once or...
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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety.
How to keep your spirits bright and your wallet full during the holiday season and others.
Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life this year, make sure you keep track of your holiday spending to avoid a New Year full of debt.
Create a holiday budget that includes gift buying, decorating and entertaining expenses. Make sure the list is within your budget and stick to it!
Don't blow your balances. Check your debt analysis
Free Calculators online before you start to shop to see how much you can really afford to charge. If your debt reaches more than 50% of your available credit, you could see your Credit Score drop in January.
Keep an eye out for
Identity Theft
Identity Theft during the holidays. Sign up for Credit Alerts that will swiftly notify you if a Grinch has stolen your personal information.
Get creative with your decorations instead of spending a fortune. Paper snowflakes, pop-corn chains and homemade wreaths are just as festive as expensive
store-bought decorations.
Shop early. Spacing your purchases over a few paychecks will help you watch your budget and reduce the amount you charge.
Purchase and send gifts that need to be mailed early to avoid expensive one or two-day shipping rates.
Consider sending holiday postcards instead of letters. You can make the cards yourself and save on postage.
Make a point of checking your receipts to avoid any faulty charges. During the frenzy of holiday shopping, you can easily be overcharged for a purchase.
Take advantage of free gift-wrapping services. Every little bit counts!
Visit the ATM before your shopping trip and withdraw the budgeted amount. Paying with cash will keep you on track.
Avoid the "buy now, pay later" philosophy. Before you pull out your credit cards, gently remind yourself, "If I can't afford to pay for it with cash, I really can't afford it."
If you really want to give, but don't have the money, try creating less expensive homemade gifts such as jam, cookies or a creative gift basket.
Low Interest Credit Cards
About the Author
Itna Yeknom is an independent author for core industry related websites and blogs.
Credit 101 - Credit Basics
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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