|
10 Simple Steps to Manage Your Credit
By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit card. It is the most available out of any financial product out there. In...
Credit Repair Myths and Facts
There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair...
How To Improve Your Credit Score - Even If You Are Not A Financial Expert!
If you have less than perfect credit, and you've ever tried getting a loan or credit card, then you know just how much poor credit can cost you.
So, the next step to getting yourself completely out of debt is learning how to clean up your credit...
The Ins and Outs of Credit Card Debt Settlement
Are you a self-confessed shopaholic who buys anything and
everything that you get your shopping addicted hands on? Such
thoughtless and impulsive buying will most likely result in the
accumulation of a bunch of junk that will simply collect...
Unsecured Loan UK Personal Loan Best Unsecured Loan Home Owner Loan Bad Credit Loan Personal Loan Car Loan Home Loan
Unsecured loans
An unsecured loan is a type of personal loan for which the
borrower does not have to put up any asset as guarantee against
the loan. The lender relies on the ability of the borrower to
pay back the loan. There are a number of...
|
|
| |
|
|
|
|
|
|
Credit Card Reward Programs: Getting The Most Out Of Your Credit Cards
Credit cards can earn you cash, airline miles, or rewards. To
get the most out of your credit card company, you have to choose
the right program and use your card often.
Pick The Right Program
Do you want a free trip to Hawaii or cash at the end of the
year? Credit card companies offer a variety of reward programs,
so choose the one that you like the best.
If you are planning to earn airline miles, pick a destination
and make sure your rewards program covers that area. Some credit
card companies partner with a specific airline while others
offer generic travel miles.
Cash rewards usually work out to 1% to 5% back on all your
purchases. At the end of the year you could end up with a
sizable check. Cash rewards don't apply to transfers or cash
withdrawals.
Generic reward programs offer points for your purchases. Those
points can then be redeemed either for products through the
credit card company or gift cards for name brand stores like
Starbucks, Home Depot, or Toys 'R Us.
Earn Your Rewards
To truly get the most out of your rewards program, you will need
to use your credit card often. By using your card to pay for all
your purchases, including groceries, prescriptions,
and
household bills, you can earn an airline trip or over a thousand
dollars in a year.
Also look for special offers that are included in your monthly
statement. Sometimes you can double your points by using your
card with a certain merchant. You can also receive coupons for
additional savings at these places.
Don't Get Caught
Reward programs usually charge a higher interest rate than other
credit cards. To make sure you don't get stung on finance
charges, pay off your balance every month.
Instead of whipping out your credit card every time you want to
make a purchase, start with a monthly budget. Plan on how much
you can afford to spend and stick with it. If you do carry a
balance, know how much it will cost you.
Not only can you earn rewards for your purchases, you can also
improve your credit score by making regular, on-time payments.
The more responsible you are with your credit, the more likely
you can qualify for more.
About the author:
See my recommended Credit
Card Lenders online. Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
|
|
|
|
|
| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.credit.com |
|
| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
| www.equifax.com |
|
| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
|
| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
|
| 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. |
| www.annualcreditreport.com |
|
| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
|
| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
| myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
| www.myfico.com |
|
| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
|
| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
|
| 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. |
| www.ncua.gov |
|
| 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" ... |
| en.wikipedia.org |
|
| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
|
| 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 ... |
| www.nfcc.org |
|
| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
| www.freecreditreport.com |
|
| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
|
| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
| www.fordcredit.com |
|
| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
|
| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
|
| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
|
| 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 |
|