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Alternatives to Credit Cards
Are you one of those people who only ever got a credit card for
the convenience of being able to pay without cash, or because
you weren't aware of any other easy way to borrow money?
Millions of us are, thanks to the unavoidable advertising of the
credit card industry, and few people realise just how many
alternatives to credit cards there are. Let's take a look at a
few.
Debit Cards.
Debit cards are often used in many European countries, but are
relatively unheard of elsewhere. Basically, they're just like
credit cards and are accepted everywhere credit cards are
accepted - the only difference is that they take any money you
spend directly from your bank account, instead of you getting a
bill at the end of the month. You should be aware,though, that
you aren't as well-protected from fraud with a debit card as you
would be with a credit card.
Pre-Paid Credit Cards.
These are cards that work just like credit cards, except that
you can't have a negative balance - you have to put money on the
card before you can spend it. That means that you 'top-up' the
card, like you would a mobile phone. This is good if you want to
know how much you're spending, not to mention that you can even
give the cards to children. They're also safer than debit cards,
since someone who stole the card could only spend whatever money
was on it at the time.
Bank Overdrafts.
A good bank overdraft, used together with a credit card, can be
a far better way of borrowing money than using a credit card.
Your overdraft limit is set
by the bank according to how much
you gets paid into your account each month, and you don't need
to pay it off until you want to.
Basically, it just gives your account the facility to go into
minus numbers, if you want it to. Many banks charge relatively
high interest rates for overdrafts, but rarely as high as a
credit card - and they will give much better rates for good
customers.
Real Loans.
When you're buying one big thing at a fixed price (like a car),
or you're going to spend all the money on one type of thing
(home improvements, for example), it's worth budgeting it all
out and going to a bank or another loan company. They'll be able
to lend you the money at a much better rate than a credit card
would, simply because they know why you're taking the loan and
can set regular monthly payments for you to repay it.
Credit Unions.
Credit unions are like banks, only more local. They are
co-operative, owned by their members and run by the community,
and are a great place to borrow money. This is because there are
limits in law on how much interest credit unions can charge, and
they don't need to make a profit for owners or shareholders,
because they don't have any. It's well worth checking if there's
one in your area.
About the author:
Gordon Goh is the owner of www.Easy-Credit-Card-Guide.com
offering free credit card information for everyone. You can
receive a free credit card at
http://www.easy-credt-card-guide.com and free Credt Debt Repair
Guide at http://credit-debt-repair.cogia.net
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.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 ... |
| www.equifax.com |
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| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
| www.annualcreditreport.com |
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| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
| myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
| www.myfico.com |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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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 ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
| www.freecreditreport.com |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
| www.fordcredit.com |
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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, ... |
| www.zug.com |
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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. |
| www.creditmag.com |
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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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