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A Summary of the Fair Credit Reporting Act
This summary of the Fair Credit Reporting Act will explain what you can legally do if you want to repair your own credit report. No matter what you hear, you can dispute credit information on your credit report if you understand the legal rights you...
Credit Card Tips
Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure you can use it wisely. More and more people use plastic as their main...
Credit Repair, How To
Credit Repair, How To ...
How To Report An Error On Your Credit Report
Have you been turned down for a loan recently? Have you applied for store credit and been refused? Did you really want that car and find out that because of your 'credit score' that they would have to require an unreasonable down payment? Credit...
Low Interest Rate Credit Cards - Understanding The APR
When shopping for a credit card, it is important to understand
the annual percentage rate (APR) to find the best deal for your
situation. If you pay off your bill every month, a no fee and
moderate APR plan may be best. However, if you take out...
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Balancing The Benefits Of Reward Programs Against Credit Card Costs
0 APR credit card APR, cash back and optional rewards etc. are
several reasons for any one to opt for a good credit card. They
are also a useful and a smart way to meet ones financial needs.
Most of the credit card companies offer most attractive features
to lure their customers.
These credit card companies offer 0 APR credit card for several
reasons and in several manners. Many cards offer 0 APR credit
card for first six months and after the introductory period is
over the regular APR is applicable on any purchases made through
the cards. This offer for regular period ranges from 12.49% to
15.99% on such a 0 APR credit card.
Credit companies offering a student credit card offer a 0 APR
credit card. Most of the 0 APR credit card offer applies to the
student credit card on all purchases, cash advances and balance
transfers as long as the student does not default under the card
agreement. The 0 APR credit card is offered usually by most
reputed banks like Citibank, ABN Amro, Chase, etc. Some
merchants also offer 0 APR credit card like British Airways,
NorthWest Airlines, Hilton Hotels, etc.
Travel cards offered by various merchants and banks like Chase,
British Airways, and etc. offer 0 APR credit card for which the
introductory period of 0 APR is applicable for first twelve
months. 0 APR credit card of a travel category also offers
various other benefits other than 0 APR. These benefits include
bonus miles, free flights, hotel stays, extra miles or bonus
reward points on purchases from participating merchants. Travel
0 APR
credit card are also eligible for redemption of reward
points at any of the issuing banks or merchants outlet and also
at any of the participating merchants.
0 APR credit card have the 0 APR period on limited to a few
months. After the period is over the regular APR applicable on
these cards can be fixed or variable. One must look for such a 0
APR credit card for which the regular APR period is most
convenient. In a fixed APR credit card offer the finance charges
are usually high but there is a bottom line for charging the
finances. If the published index goes higher then the fixed APR
does not change and finances charged remain the same. IN case of
a variable APR after the introductory period is over on a 0 APR
credit card, the finance charges are low. The existing APR is
determined on the basis of published index on the basis of which
the finances are calculated for the existing billing cycle.
Chase Cash Plus Rewards Visa, Discover Platinum Card, Chase
Platinum, American Express Rewards Gold Card, Citi Diamond
Preferred Rewards Card, The GM Card Mastercard, Discover
Platinum American Flag Card, Sony Platinum Visa Card, Citi
Driver s Edge Platinum Select Card etc are some of the classic
examples of a 0 APR credit card.
About the author:
Peter Sissons, Retired Bank Manager and Business Credit
Cards advisor - focusing on Low Interest
Credit Cards and 0% Credit Cards
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| The FTC's web site on Credit |
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| www.ftc.gov |
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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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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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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! |
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| 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 |
| 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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