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Bad debt can really harm your credit history
While most people use the phrase "bad debt" to refer to a lot of debt, or just owing a lot of money, this phrase actually has a very specific use when it comes to financial issues. Bad debt in this case is a debt that cannot be collected. This...
Identity Theft and Credit Reports
To say that Identity Theft has reached epidemic proportions in the UK doesn't appear to be any exaggeration on the facts which are commonly bandied about... even by totally responsible organisations.
If, as I read, 80% of Councils have reported...
Qualifying for a Poor Credit Business Loan
A poor credit business loan is designed for a business person or
persons with a poor credit history.
In the life of a business, virtually all come across a time
where extra money is needed for business growth, expansion, a
new venture, or...
The best time to repair your credit is now
By the time you become interested in credit, two things have
probably already happened:
1) Your credit is bad, and has been for sometime
2) You want something in life like a new car or house and your
poor credit is preventing...
Why Does A Credit Card Expire And How Do You Renew It?
Besides the long string of numbers that identify your account, there is a short little series of numbers that makes up your card's expiration date. Most of us don't even pay any attention to that date, but you can bet that the credit card approval...
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Chose a credit card wisely.
When choosing make sure its one that suites your lifestyle and that it works with you not against you. Always try to pay off monthly if you can and this will help your finances and cash flow. If you look at credit in reverse and say well I could save say $50.00 a week then this will give you a good guide on how much you could pay back on your credit card a month. Always go for a low APR and look for the best option for you. Some Credit Card's have a Rewards program, you'll earn 5% Cash back Bonus others give you gift certificates. So keep a keen eye out for the different offers that suit you. A fantastic new resources web site called www.americancreditdirectory.com has hundreds of Credit Cards to chose from many with no annual fee's and intro periods up to 12 months, Air Miles, and 0% intro APR.
You must ask yourself " Do I Need a Credit Card" Here are some things to think about...
For purchasing over the Internet is a real must to have a Credit Card as most of the time you will be asked for one. With the ever increased security nowadays it is very safe to purchase online as long as its from a reputable company.
You wont have to walk around with large sums of cash on you and take the risks that come with that. Taking a Credit Card on holiday or on business means you will not have to worry about exchange rates and getting local currency. Also for emergencies, cash withdrawals and spreading the cost of a large payment or that unexpected out lay. Credit Cards can be a real safety net if used correctly.
Some of the terminology used can be a bit
confusing but here are a few pointers for you.
The APR or Annual Percentage Rate means simply the rate of interest you will pay on the balance outstanding.
Balance transfer means that if you have another Credit Card you can make huge savings by transferring you balance to a new card. Some offer 0% for up to 12 months as I mentioned earlier. So used correctly Credit Cards can be a great thing, especially if you can pay the balance off. I use mine all the time and never use cash unless its for small things, then I pay it off as my salary goes into the bank, so I earn max interest on my Bank Account. If you have a Mortgage that offsets the money in your account to what you owe then you can even pay your Mortgage off quicker saving even more money.
So if you're looking for a Credit Card get over to www.americancreditdirectory.com and look at the great offers available.
Authour
Steve Winder
http://www.americancreditdirectory.com About the Author
Steve Winder has been involved in the Hairdressing industry for more than 25 years. He is an author, speaker and owner Secrets Hair & Beauty Salons in the UK. His articles vary from Hairdressing Business Management to finance helping small to medium size business with the problems they face. His sites include http://www.hairbizsecrets
,http://www.americancreditdirectory.com,http://www.activebudgeting.com
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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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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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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The National Foundation for Credit Counseling |
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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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