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Bad Credit Student Loan - What To Do If You Need One
Are you concerned that bad credit will prevent you from going to
college? While it is true that finding student loans with
excellent interest rates is easier if you have a sterling
credit rating, bad credit student loan aid is possible....
SuperCharged Secret 4 - LIVING IN CREDIT CARD UTOPIA!!!!
5 SuperCharged Secrets to Credit Card Utopia! Secret 4 of 5 YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER! Let’s just take a brief moment to recap: If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets...
supposition and Credit Repair
When it comes down to it, the majority of people are always
assuming, and most of them assume the worst. Creditors or anyone
today all base their theories on suppositions, and suppositions
have forever caused failure. When people fail to pay...
Tips to Repair Your Credit and Prevent Credit Problems
If you're concerned about your credit score, try these tips on
how to repair your credit.
Have you looked at your credit report lately and noticed that it
is in need of repair? It's said that over half of all Americans
could improve their...
What is Credit Insurance?
Are you wondering what is credit insurance? Very simply, credit insurance is an insurance policy that protects a loan on the chance that you are unable to make the repayments. The next time you have occasion to apply for a loan or mortgage, you will...
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Credit Card Issuers to Restart Charging Annual Fee
It seems that the major UK credit card companies may be forced
to reintroduce an annual fee to claw back lost profits due to
bad debt.
This is according to a report "Precious Plastic 2006" issued by
the accountancy firm Price Waterhouse Coopers (PWC), whose
insolvency experts have conducted research into the consumer
credit market. Their data shows that many credit card lenders
have been hit by a combination of:
* An increased number of people entering into Individual Voluntary
Agreements (IVA's), whereby they can pay off an agreed sum
to avoid bankruptcy; *
Changes in the regulations affecting the credit industry; *
So-called "rate tarts", who can switch easily between different
credit card companies to finance their debt at a small cost.
People who have entered into an IVA owe an average of £ 60,000
in credit
card debts and other unsecured loans to 11 different
lenders. The scale of the IVA problem is large and growing, with
more and more individuals opting to pay off their debts at a
reduced rate, and at the same time, have them effectively frozen
by their lenders.
On top of this, the credit card companies have lost an estimated
£ 600 million to rate-tarts, because of low interest rate
inducements, to encourage card-owners to switch lenders. Indeed,
the Association for Payment Clearing Services (Apacs) has
estimated that in 2004, nearly 20% of borrowing was due to
credit transfers. That meant that rate-tarts were able to borrow
an estimated £ 21 billion - mostly at 0% interest.
Not many people will shed a tear for the credit card companies'
problems. However, these factors, argue PWC, make it seem very
likely that credit card lenders will be forced to re-introduce
an annual credit card fee.
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