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Balancing The Benefits Of Reward Programs Against Credit Card Costs
0 APR credit card APR, cash back and optional rewards etc. are
several reasons for any one to opt for a good credit card. They
are also a useful and a smart way to meet ones financial needs.
Most of the credit card companies offer most attractive...
Consolidating Your Credit Card Debt
Copyright 2005 MHG Consulting
Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed...
Poor credit and the need to fix it
Everyone can be put at a disadvantage if they have poor credit. Lenders are less likely to loan to people with a poor credit history, therefore it becomes a huge handicap for people looking to buy on credit. If you want to buy your car or house on...
Rebuilding Your Credit History
Your credit history is very important for you because when it
comes to big loans your credit report will determine if you can
get the loan and what rates you'll have to pay. The credit
report will matter a lot when you apply for a mortgage loan,...
Taking Control of Your Credit History
Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history...
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Credit cards - The top 3 things you need to know
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Credit cards - The top 3 things you need to know
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Today there are so many different credit cards available, student
prepaid, low interest cards etc. that it has becomes a real
hassle to find the right one that will suit your needs.
This is the reason why we at online-creditcheck provide you
with necessary information which can help you in choosing the
right credit card for you. The good thing about this information
is that it is all free of charge.
We have created a list of 10 things you need to have a look at
before you decide to apply for that credit card
1) **Annual Percentage Rate - APR**
Many credit card companies give you an intro apr rate that will
be lower then your regular apr rate. Keep in mind when this
introduction apr rate will expire and use it to your advantage
0% Intro APR Credit Cards, will give you the opportunity to
purchase goods/a service without paying any interest on your
principal spend. Such cards are usually for people with a good
credit history
2) **Credit Card VS Debit Card (prepaid credit card)**
Although a
Prepaid Credit Card, has the same look and feel of a
regular Credit Card, those two are not the same.
A Prepaid Credit Card, is in fact a Debit Card, and is usually
linked to a personal bank account. Other options are that you
need to load funds onto your debit card account first. This is
the reason why a debit card can only be used for a purchase that
your balance can cover.
A prepaid Credit card, are usually for people with a bad credit
history or for people who are unemployed.
3) **Credit Card Tips**
- Sign new credit cards as soon as you receive them
- Destroy old cards when they aren't necessary anymore
- Never fax your credit card number
- Be careful when supplying your credit card number by phone
- Pay your credit bills on time to maintain/create good credit
- Pay of your balance as much as possible
- If possible select a credit card with no annual fee
- Review your credit history on a regular basis
Keep the above simple things in mind when selecting a credit card
and you will find the right one that will suit your needs.
I would like to thank you for reading this article,
Sincerely,
Karin Loftist
http://www.online-creditcheck.com
About the Author
None
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