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Assumptions in Credit Repair
Copyright 2005 Keith Gloster
When it comes to life the majority are always assuming, and the most of them assume the worst. Creditors, debtors or anyone today all base their theories on assumptions and assumptions from the beginning of time have...
Credit Cards - Why Prepay?
With prepaid credit cards, you get the practicality of plastic while choosing exactly how much debt to charge. By taking charge of your personal financing, you determine your own limits, to the penny, and change them any time you need to. There are...
Credit Repair Skipping to Build
There are always solutions when it comes to repairing your credit. We sometimes go through problems in life that makes our life hard to manage. Sometimes we simply have to skip ahead in order to get ahead.
If you have late bills and see that you...
Fixing A Credit Report - Quickly
Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a...
Free consumer advice site launched by credit card industry to protect shoppers
The banking industry has launched its own new website to provide advice for consumers on credit cards. The site www.choosingandusing.com has been set up to help people choose which card is right for them as well as promoting a better understanding...
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Balance Transfer Credit Cards And Their Rewards
If you haven't been credit card shopping recently, you'd be
amazed at the variety offered today. In addition to the
different interest rates, the extent of rewards or perks offered
is vast. There are cards offered to fit everyone's needs. Good
credit, bad credit, in between, 0% APR introductory offers, sky
miles, cash back,... just to name a few.
Of course the financial experts would tell you to watch that
credit card debt, pay off the balance every month so you don't
have to pay interest. If you do have high balances the experts
would also tell you to take out a loan on your home so you could
get a lower interest rate and tax advantage too. But that's not
always realistic or possible for some. Perhaps they just bought
their first home and the equity is limited. There could be a
number of reasons why the professional financial advice just
won't work. So what to do?
What if you just purchased your first home and your credit cards
had balances with interest being accrued each month? Then say
you like to travel, but you have these bills. Could you plan a
trip in the not too distant future? I believe you could.
Most of the credit card companies today have 0% APR
introductory
offers. This rate is good for six to twelve months and many
times is valid for balance transfers and purchases. In addition,
many offer rewards such as air miles.
First figure out the most you could pay each month on these
accounts combined. Apply for a card that offers 0% APR for
twelve months and transfer the balances that are accruing
interest to this new account. Now remember, you're saving
interest each month. Then you could use the credit card as much
as possible for daily expenses, keeping track of and setting
that amount aside each day. At the end of the month, you should
pay the amount determined which you could afford on the balance
transferred and then pay the entire amount charged for the
monthly expenses.
By doing this, you would be paying off the older balance with a
0% interest rate and earning rewards at the same time. At the
end of the twelve months you may very well have enough points to
take that planned trip. Your credit card balance should be paid
off almost completely.
When things seem out of reach, you can achieve them, as long as
you have a plan.
About the author:
Bradley Carson is an internet marketer. http://cards-king.com/
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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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 |
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. |
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Springboard - Non-Profit Consumer Credit Management |
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Credit referencing and consumer targeting for the USA and other countries. |
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National Credit Union Administration - Home Page |
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Credit - Wikipedia, the free encyclopedia |
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Credit (finance) - Wikipedia, the free encyclopedia |
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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 ... |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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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. |
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The Credit Card Prank |
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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. |
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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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