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Cash Back Credit Cards
Wouldn't it be great if you could get some of that money you
spend on credit card purchases back every year? Well, you can. A
cash back credit card is the way to go for people who want all
the benefits of shopping with a credit card, plus the...
Factors That Trigger Credit Card Rate Hikes
Are credit card companies trying to scam you? On the one hand,
they provide a valuable service that gives you the added
convenience of being able to purchase items and services you
need and sometimes don't need and to pay them off in a...
Home Equity Line of Credit – Great Idea for Rainy Day Emergencies
Most Americans tend to live on a paycheck-to-paycheck basis, and the typical household has nearly $10,000 in credit card debt. Adding to that is the fact that Americans are saving money at the lowest rate in history. We spend what we earn, when we...
Know Your Credit Card Rights
When you apply for a credit card, the application that you sign is also a legally binding contract laying out all the terms between you and the bank, such as the interest rate and how its calculated, the grace period, whether there’s an annual fee,...
The Proper Use Of Credit Cards
Credits cards are a convenience, not a crutch. Credit cards are a great way to make purchases and record to the penny your spending. They also provide a way to postpone payment on items and thereby earn more interest on your money. For example, if...
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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. |
| www.ncua.gov |
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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 |
| 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 |
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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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