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Balance Transfer Credit Cards And Their Rewards
If you haven't been credit card shopping recently, you'd be
amazed at the variety offered today. In addition to the
different interest rates, the extent of rewards or perks offered
is vast. There are cards offered to fit everyone's needs....
Credit Card Lingo
Knowing What’s Out There – And What To Choose
The World of finance can be a tricky game for both the seasoned veteran and the novice borrower. Banks can – by accident or design – make even the most simple information seem complicated and...
Government Credit Repairs
If you are building a credit history, suffering bad credit or
else your credit is great, there are sources available that will
help you maintain credit, repair credit, and build credit
history. If you have bad credit you must at least apply for...
How to Find a Credit Union
If you’ve been feeling like small potatoes at your bank lately, it’s probably time to start looking at a credit union instead. Of course, you won’t find a credit union on every corner, or ATMs at every convenient location that you require. But if...
Safe Credit
Credit reports are a detailed record of all of your credit
activities from how many credit card accounts you have, how many
loans you may have taken out, and it shows whether you are
paying your monthly payments on time or have a lot of...
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Credit Card Offers
The vast majority of credit card offers you receive are fair and ethical. But there are two things to look out for that some credit card companies have been known to pull on unwary customers. These tactics are perfectly legal, so your only recourse to preventing them is to be alert.
The old bait and switch. You apply for a great credit card that gives you tons of frequent-flier miles, hoping to put all of your shopping on it, and then head to the Bahamas in February. When and if you get that card, study the terms carefully. If you don't qualify for the great card, the credit card company can send you a completely different card with different terms--without telling you.
Visit www.amex-visa-mastercard.com for a list of reputable credit card offers.
Cash advance fees and rates. Read the fine print on your statement and you'll see it's a very bad idea to take cash out on your credit card. Your card might have a really low rate for purchases, but the rate for cash advances is much higher. And there is no grace period--you
start paying interest right away.
Aside from paying a high rate on the cash you take out, you're going to pay a fee, usually 2 percent to 4 percent of the amount advanced. And your payments will be applied to the lower-interest balance before they are applied to your cash advance. Don't get yourself into trouble with either of these two mistakes ... read the terms of your credit card offers carefully before you activate them.
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Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published "as is" (unedited) and all URL's are made active hyperlinks with no syntax changes.
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About the Author
About The Author
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit cards or to apply for a credit card online please visit: Visit http://www.amex-visa-mastercard.com today!
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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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