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Avoiding Credit Card Traps
The next time you open your credit card statement, take a closer look at the small insert titled “changes to your credit card agreement”. You know the one I’m speaking about. It’s that small, folded paper written in legalese that you promise...
Consumer Credit Counseling - Keep Debt Under Check by www.alifeoutofdebt.com
Before Jim left for a study-abroad program in Australia last
spring, he signed up for another credit card. One more wouldn't
hurt, thought Jim, then a sophomore at Iowa State University. "I
didn't plan on using the card," says Jim. "But Australia...
Fix Credit Report Errors - 3 Easy Steps
Under the Fair Credit Reporting Act (FCRA), both the company that reported your credit information and the three National Consumer Reporting Agencies (Equifax, TransUnion and Experian) must correct errors or any missing information in your credit...
How To Stop Your Creditors Cold!
Wipe Out Your Debts! If you're afraid to answer the phone because your creditors have been calling every night; and you're worried that one of them is going to call your boss and tell him you're a deadbeat; and just trying to pay off your bills...
The Advantages of Credit Cards
There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act...
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Credit Cards Bring Festive Cheer
Christmas is almost upon us once again and the worry of meeting
the demands that it has on our finances comes to the fore. Many
will get themselves into a level of debt that they cannot
sustain and if it's paid for with your current credit card or
god forbid a store card, then the expenditure will be worse with
the addition of the interest charges that come with your plastic.
Use your credit card wisely...
This does not mean we should be avoiding using our plastic over
the festive season, far from it, as apart from having the cash
to pay for your goods and leaving you without any debt, the
credit card is the next best thing in getting your gifts,
festive food and drink in, without the interest being a problem.
So how do you fancy getting all of this and interest free for
nine or twelve months? Well if you need that bit of breathing
space and the Christmas period sorted interest free, then taking
advantage of one of the credit card that are offering a 0%
introductory offer on purchases. These will help ease the burden
and will give you up to 12 months to pay it off, or in other
words just in time for Santa coming back next year!
Keep clear of store cards...
Doing it this way rather than using your current credit card
will mean that you could save around £75 in interest payments if
you
spent in the region of £500, which is being claimed that as
a nation we spend on average per person. Do not use a store card
to make any purchases as the majority of these credit cards come
with an APR as high as 29.9%.
Other methods that you could use to accommodate your Christmas
shopping could be an overdraft, but always remember to speak to
your bank first, as going in to the red without the permission
of the bank, will only see you face charges that could see you
having to pay a hefty interest of almost 30%.
Use a 0% credit card
So the best bet to deal with Christmas this year is to take
advantage of a 0% on purchases credit card and budget for what
you will have to pay back each month, so that when the 0% period
is over, you will have a clear balance and no interest payments
to meet, before you have to start dealing with next year and
starting all over again.
So get applying now and have your Christmas sorted and worry
free before the big day is upon you.
About the author:
Peter Kenny is a writer for creditcards-gb For additional
articles and an extensive resource for everything about credit
cards, please visit us at http://www.creditcards-gb.
co.uk and http://www.creditcards2go4.
com
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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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 |
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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 ... |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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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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