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A Credit Card With More Than Meets The Eye
With so many credit cards dominating the market these days,
people can no longer tell the difference between one card to
another. It all seems like a wide array of credit cards all
committed to provide the consumers with substantial means...
Bad Credit Home Loans - Pre-Approval is Still Possible With Adverse Credit History
If you are among the millions with less than perfect credit, there are many sources available to you in obtaining a mortgage. Lenders that specialize in mortgages for those with bad credit are competing for your business. The lender will analyze...
Bad Credit Loan and Bad Credit Loans
A bad credit loan will usually carry with it an extremely high interest rate and may require some types of collateral to be pledged as security for the loan. Bad credit loans may also require a co-signer to limit the risk involved with lending...
Prevent Identity Theft by Checking Your Credit Report
You may not know it but you are entitled to a free copy of your credit report once a year from Equifax, Experian and Trans Union! These three major credit reporting companies, maintain a profile of how you pay your bills, what type of mortgage loan...
The Truth About Low Interest Credit Cards
Low interest credit cards are wonderful if you can get your hands on one. They offer great rates so it is easier to pay off your balance in a timely manner. These cards are perfect for those making large purchases on their credit cards, or even...
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Credit Cards to Build / Repair Credit
How can you prove your credit worthiness when no one will give
you a chance? If you have bad credit, or no credit at all, you
understand how difficult it can be to get moving in the right
direction. Luckily, in today's credit card market there are a
variety of options available to assist you. Let us tell you
about some of the choices you have to get your credit on the
right track:
Secured Credit Cards
Secured credit cards are available to almost any individual.
That's because they require a security deposit which guarantees
your credit line. For example, if you deposit $300, you'll
receive a credit line of $300. This may not seem like a true
"credit line", but the charges you make with a secured credit
card will be reported to the 3 major credit bureaus, and timely
payments will show a positive track record on your credit
report. You can use this to your advantage to build or improve
your credit history! In time, you can move on to a better credit
card offer with no security deposit, lower fees and a better
interest rate.
Unsecured Credit Cards
An unsecured credit card is a "traditional" form of credit card
which requires no security deposit. Your interest rate and
credit line are based upon your credit history. Although most
unsecured credit cards are out of reach for many people with
poor / no credit, some credit card companies offer unsecured
credit cards designed specifically for these
individuals.
Normally, these credit cards have higher rates and additional
fees when compared to standard "unsecured credit cards", but
they do no require a security deposit like secured credit card
offers.
Prepaid Credit Cards
A prepaid credit card is like a prepaid phone card. They operate
on a "pay-as-you-go" basis and can be used anywhere credit cards
are accepted. They offer many benefits, and in most cases, are
very easy to use and operate. But be aware, not all prepaid
credit cards report your activity to the credit agencies. While
you may benefit from the safety and convenience of not carrying
cash, you won't be building or improving your credit if the
prepaid credit card company doesn't report your activity to the
major credit bureaus. Luckily, many prepaid credit cards report
your credit card activity or offer this option for an additional
monthly fee.
To see a complete list of secured, unsecured, and prepaid credit cards, please visit:
WOW!
Credit Cards
About the author:
by WOW!
Credit Cards - Copyright © 2005
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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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| The National Foundation for Credit Counseling |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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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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