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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...
Credit Card Debt Consolidation Programs: A Complete Guide
Many of us have credit cards these days, and a great many people
find that making multiple monthly credit card payments a
struggle. If you are one of those in this situation, then you
may want to consider taking out a credit card debt...
Learn How to Repair a Bad Credit Rating
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Learn How to Repair a Bad Credit Rating
You may have discovered that if you have a bad credit rating, it
is extremely difficult for you to get financing, loans, and
perhaps even...
Super Balance Transfer Credit Cards
Credit cards are a great way to spend money that you do not have and we all know that so it is nothing new to us. A credit card is a spending tool that many of us would feel as if we had had a limb cut off if we could no longer have one, would also...
What Is Credit and How Does It Work?
Credit is a prettier word for debt. When you obtain credit you are borrowing money, or getting the right to access money (like a credit card, for example), and you agree to pay back the person or company that loaned you that money. In these type...
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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.
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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" ... |
| en.wikipedia.org |
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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 ... |
| www.nfcc.org |
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| 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! |
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| The Credit Card Prank |
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| www.zug.com |
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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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