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Credit Cards
When applying for a credit card it is always a good idea to know
your personal credit score, since this will affect your ability
to negotiate beneficial terms for your credit. If your credit
score is poor - e.g. due to unpaid bills, a habit of...
Credit Cards For People With Bad Credit - How To Avoid Getting Ripped Off
If you've had credit problems, then you've probably received offers for credit cards aimed at people with bad credit. These offers range from legitimate, to questionable, to outright scams. How can you tell the difference? The answer is to read the...
Desperate For A Credit Card? How To Have Any Credit Card You Desire
As discussed in my popular report, "How to obtain a first class credit rating", starting with little more than $500, it is possible to build up your credit ratings with banks to allow you to borrow considerable sums of money.
As long as you have...
The True Value Of Credit Rating
The concept of credit rating is as important as any other aspect of credit cards. Well, maybe even more important than a lot of other features. As you use your credit card, the credit card supplier maintains not only the history of the transactions...
Understanding the Process of Credit Counseling
Many of us have seen the advertisements on television. "Get out of debt fast!" "We can solve all your credit problems with only one call!" These sound really great but you know that, realistically, one call is not going to solve your credit...
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Credit Cards For Adverse Credit History
The credit card market is seeing a boom with numerous market players. It has created a kind of choice chaos or rather a clutter. It is important to differentiate between a good and a bad market offer. We all have discussed enough about the good and best credit card offers but it is equally important to know about the poor credit card offers, and what to beware of.
It is important to check the credentials of a credit card company before signing up for any offer since a number of fraudulent credit card companies have also sprung up along with the equal numbers of genuine ones. There is never a credit card offer that is perfect. Each has its pros and cons. Normally, if it sounds too good to be true, then it is a sure sign of being a credit card offer for someone with an adverse credit history. Offers like these can simply rip off your pocket and leave you with peanuts. They make tall claims to lure customers but if you read between the lines there is always a trap clause that takes the air out of the claim.
However, desperate requirement you might have of a credit do not fall into the trap of these jazzy claims. They might claim to give you low APR and high credit limit even with your bad credit history. Now this is obviously unbelievable. More unbelievable means more unreliable.
Then there could be credit card offers that are ridiculously unreasonable. For example, they may have a
worthless balance transfer offer with amount limited to a level of say £500. Or there could be store cards through which you can shop only at a particular shop and that too only from a particular catalogue.
These credit card offers are responsible for maximum credit card frauds or losses to customers due to unprecedented high costs. These are mostly wipe, pack and vanish firms, i.e. companies that wipe off your resources, pack their business and simply vanish leaving a big hole in your pocket.
We all receive those flowery once in lifetime offers claiming to change the course of life with all the financial gains we can get through them. Remember they are out there for business. They are not going to pay out of their pockets so obviously they cannot live up to their tall claims. Think wise and smart. It is good to invest in small time lesser-known ventures but at the same time it is better to be safe. After all prevention is better than cure.
About the Author
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of adverse credit history credit cards. For US visitors there is also the comparison site http://www.credit-cards-info.com
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AnnualCreditReport |
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Springboard - Non-Profit Consumer Credit Management |
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Credit - Wikipedia, the free encyclopedia |
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Credit (finance) - Wikipedia, the free encyclopedia |
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The National Foundation for Credit Counseling |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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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 |
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credit.about.com |
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