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Finding low interest credit
Getting low interest credit to finance your home or car, or to get a low interest credit card requires that you have good credit. Bad credit can disqualify you from many loans and from securing low interest rates. It is important to find low...
Get Your Credit Score To Soar In The Twinkling of An Eye.
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help...
How Loans Can Improve Credit
Individuals who have had credit problems in the past know how much of a hassle it can be to try and get a loan with bad credit. It can be worth all of the trouble, though... after all, not only are you getting the loan that you need but you're also...
How to Avoid Credit Card Late Fees
Everyone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can put a nice sized hole in your pocket really quick. Below, I will...
How To Check Your Credit Rating and Know Its Affect On You
Every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating score. This article will inform you about how your credit score is determined and what its impact is on your personal financial situation...
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Cash Back Credit Cards: How To Play The Cash Back Game
You have seen them advertised on your television. Likely, you
have gotten their solicitations in your mailbox. Your neighbor
has one and he just got a brand new gas grille for free! So,
what am I talking about? Cash back credit cards, of course.
Millions of consumers are making the switch over from plain
credit cards to cash back cards. They have learned that a game
can be played that guarantees that they will be a winner. Do you
know how to play the cash back game? If not, read on for some
helpful tips that can help you get started down the road to free
money.
So, you think that there aren't free things in life, right?
Well, in the case of cash back credit cards there are. You just
need to know how to play the game.
For starters, there are a few rules for you to remember. If you
carefully follow these rules you can profit handsomely and come
away with money...not just a few dollars, but hundreds of
dollars annually...even more. All for just using your cash back
credit card!
Rule #1 - You have to be in it to win it. Yes, your card must be
a cash back card in order to accumulate points that can be
redeemed for money. Many credit cards offer rewards or other
"come ons" to get you to use your card, but not too many give
you money back. You can choose one of the numerous cash back
credit card deals offered online to begin playing the game today.
Rule #2 - To maximize potential earnings, you must charge
everything. That's right, in order to receive the most points -
redeemable for money - you must get in the habit of charging all
of your purchases. Not just clothing and not just household
items. Charge your gas, your groceries, your visit to Burger
King, you name it. The more your charge, the quicker you
accumulate points. The more points you accumulate, the more
money back in your pocket.
Rule #3 - Pay off your cash back credit card monthly. Okay, so
there is a
catch! In order to make this type of card work for
you, you need to pay off your balance every month. If you don't,
then the points you accumulate will easily be offset by interest
charges and then some!
Rule #4 - Redeem and have fun. Yes, sooner than you know it, you
will have accumulated enough points to redeem for money. Once
you hit the threshold you want [check your credit card
provider's redemption book] you can cash your points in for
money or receive it as a credit toward your current balance.
Either way, you have money in your pocket!
Do cash back credit cards sound too good to be true? They can
seem as if they are, especially when you know that no one gives
away free money without a hitch to it. What the credit card
companies do to give money back to you is to set aside some of
the money they collect from merchants and turn around and give
that money to you. Merchants win because you buy their product,
credit card providers win because you use their card and they
get merchant fees with every purchase you make, and you win
because you chose the correct card. A true win-win-win situation
for everyone, but you must be "in it, to win it" in order to
reap your reward. You'd be surprised how many people do not play
"the game" or they break the rules, costing them money in the
long run.
Like your neighbor enjoying his free $450 Weber grille, you can
be a winner too. Select the right cash back credit card today
and you'll soon be enjoying your free money too!
Copyright 2011 Ed Vegliante.
About the author:
Ed Vegliante runs the website http://www.Credit-Card-Surplus.com
, a credit card directory enabling the consumer to compare and
apply for credit card offers including Cash
Back Credit Cards . View more Credit
Card Articles.
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