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Bad Credit Loans - Much Needed Money in the Most Testing Times
For people who do not know much about bad credit, it will often
be incomprehensible as to why a financial product has been
devoted solely to cater to the class. Nonetheless, the
proportions that bad credit people constitute of the...
Boosting Your Credit Score To Get The Best Credit Card Deal
Making Your Credit Rating Work For You
One of the basics of getting the most competitive credit card deal in the market is to ensure you have the best credit record possible. Few of us are lucky enough to be earning a six-figure salary, and...
Credit Card Machines
By: Alan Jason Smith
Site: http://www.creditcardspdq.com
Credit Cards Machines come in all shapes and styles. Credit card machines come in a variety of price ranges, offering enough choices that you can select exactly the model your business...
How To Build Business Credit
Having their own business is something many millions of people dream of doing. Many do, of course, but so many others never quite get around to it. One of the factors that may discourage people from getting that business off the ground, is a lack of...
Useful Tips On Avoiding Credit and Charge Card Fraud
Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your...
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Credit Card Basics - Understing What You Need!
There are different credit cards to suit each individual. One
needs to assess his or her needs before applying for a credit
card online.
Many people feel that they have been through hell because of
credit cards and would not like to repeat their mistake. Another
common misconception about credit card is that having a bad
history will stop credit card offers coming there way again. The
truth however is something else. Some credit card companies
offers great schemes to those with bad credit card. They also
make cards specifically for frequent flyers, Wall Mart Shoppers,
or frequent moviegoers. There are many offers based on
incentives on shopping.
Let us see what things you should keep in mind before shopping
for credit card.
The first thing that should be kept in mind is Annual Percentage
Rate. An Annual Percentage Rate is the amount of interest you
pay every year on your borrowings. The higher APR will make you
pay more finance charges. The minimum amount that you are
required to pay would be basically your past balance, try paying
a little more than the minimum repayment. In short your APR
should be as low as possible.
The next step to keep in mind would be introductory rates. Most
credit cards offer a low or 0% rate of interest for an
introductory period. You should strictly keep in mind that this
interest free period is applicable on purchases and
balance
transfers as well. This will reduce your bill considerably.
You may seriously consider gold or a platinum card if you are a
good earner and love to splurge on luxurious things. These cards
have very less rate of interest and unlimited credit limit. They
also come with exciting offers.
Another point to be considered is Grace period. During this
period, a credit card holder doesn't have to pay any interest on
repaying the amount.
Cash back and rewards also offer a great relief to the customer.
But such offers are mostly entitled for air miles, cash back or
discounts. You should consider them seriously as they are of no
use to you if you don't fly.
Balance transfer rates are the most wanted among the customer
who are having a huge outstanding amount. Many cards offers
lower rate of interest. Thus, if you transfer your balance from
one card to another with lower interest, it can help you with
your debt problems and save a lot of money.
One should also avoid late payments as the interest in this
case, keeps piling. A time also comes when the interest amount
exceeds the principal amount. This can be avoided if you keep
tabs upon the charges levied on the late payments.
About the author:
Andy Eaton is the owner of www.credit-cards-4us.com a site
decdicated to helping consumers find the right credit cards,
helping them get out of debt.
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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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| 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 |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
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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" ... |
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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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| 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. |
| 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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