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Bad Credit Refinance Loans - Finding a Good Lender
Finding a good lender to help you with refinancing your home loan can be tricky if you have bad credit. There are plenty of predatory lenders out there who would like to take advantage of you with excessively high interest rates and fees. The key to...
Credit Card vs. Debit Card - What Are The Differences
Ah, the “good old days”. If you are a baby boomer, like me, then you probably remember how important it was to rush to the bank on payday. You had to get there before the teller lanes closed so that you could have your “cash allowance” for...
Free Credit Report – A Website Typo Could Be Costly
In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT), which made it possible for consumers to obtain a copy of their credit report for free. In fact, the legislation makes it possible for consumers to obtain one free report...
How Credit and Faith Lead to Success.
Have you ever really thought about how much credit and faith are factors, which lead to success? The word "credit" means faith. Credit is the faith of man in men. Faith is the basis of all business and of all success. No transaction today is...
Paying off Credit Cards With Minimum Payments?
Repaying credit card debt by making the minimum payments varies with each credit card company. There are a few things that can help you understand why it is so hard to get caught up paying the minimum payment. First, you need to understand what...
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Credit Card Takes A Vacation
Whether it's a weekend getaway or a two-week escape traveling your favorite foreign country, getting a "designated traveler" credit card can make life much simpler.
What's a designated traveler? It isn't as mysterious or as complex as it may sound and it isn't some new kind of credit card. In fact, that's part of the beauty as any credit card can do the job. It simply means designating one of your existing cards or getting an additional credit card that you use strictly for travels, no matter how short or how long, domestic or foreign.
Why do I need one? The simple answer is to separate your travel expenses from your day-to-day credit card charges. There are many reasons for this.
You can match your designated traveler credit card to your vacation budgeting strategy. People manage their credit differently... some pay off their charges every month, others continually carry a balance, and then some use both strategies, depending on the current situations. However, when you go to travel, you may wish to adopt a different strategy for that trip... you specifically save up for a trip to pay for it all when it happens, but you might normally carry balances elsewhere. Or, you may normally pay your balance in full each month, but might want to pay off your vacation over a few months time.
Along with this budgeting strategy, you can adopt the appropriate credit card strategy. If you pay your designated traveler credit card off
immediately, then you might want to use a credit card that has great rewards or cash back, even though it carries a much higher interest rate. Likewise, if you carry a balance on this card, obtaining the lowest interest rate may be more important. No sense paying high interest rates on the milk and gas you bought last week on top of your vacation expenses. Match up your credit strategies to the appropriate credit cards.
Everyone should audit their credit card statements when paying their bill to make sure that all charges are accurate and legitimate. Mixing in a bunch of travel charges with all your regular charges can make things considerably more complicated. This is especially true when you are traveling abroad where you may not recognize the name of the business and it may be in a different language. Now add in the effects of exchange rates and currencies to try to match up your expenses to. You'll still need some cash when traveling abroad, but your designated traveler can simplify money handling, limit your risk, and cut down on currency exchange charges.
So next trip, give your regular credit cards and your new designated traveler credit card well deserved vacations.
About the Author
CreditCardApps.info provides free, useful credit card and credit management information as well as access to credit card reviews, credit card finder tools, and online credit card applications.
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