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A Borrower's Guide to Bad Credit Loans UK
If you find yourself in a situation where you need bad credit loans UK , you might not know where to turn. You may have tried applying for loans in the past with no success, or may even have thought that there were no options available for people...
How to Pay Off Your Credit Card Debt
This method is simple, but requires some discipline.
First, you have to stop any new spending on your cards.
Second - you'll need to examine all of your spending. You'll...
Little Known Facts About Your Credit Score
Little known facts about YOUR credit report ...
Changes are afoot! According the U.S. Federal Trade Commission (FTC), you are entitled to a FREE copy of your credit report if you meet any of the following guidelines:
· Are unemployed and are...
Visa Credit Cards
These days, major credit card brands, especially MasterCard and Visa credit cards have become more than a necessity, making living without one very inconvenient. These credit cards are not only accepted almost everywhere in the U.S. but are even...
Why Your Credit Score is Important
Your credit score can either haunt you or reward you. It all depends on how you handle your credit and payment activities. Your credit score determines what interest rates you will pay and if you are even approved for a loan or a credit card at all....
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Different Credit Card Terms
Although everyone knows what a credit card is, recent studies
show that almost thirty per cent of credit card users asked
didn't know the meaning of several terms related to credit cards.
This small glossary aims to reduce this percentage by trying to
clarify the meanings of some of this terminology, at least the
most important words.
APR (Annual percentage rate): As with loans and mortgages, the
APR is a number that measures the annual cost of the credit.
Depending on the issuer and the type of credit card, it can be a
fixed APR or a variable APR. As the name states, a fixed APR
does not change through time, as opposed to a variable APR,
which varies according to a certain index (an economic indicator
calculated on several factors, including inflation). Credit card
issuers often show a "periodic rate", which is a reflection of
the APR but measured for each billing period.
Transaction fee: Some cards often charge a certain fee for each
transaction, that is, every time you pay using your card, a fee
is added to
the total amount charged. Annual fees: Most issuers
will charge a fixed yearly fee, called "participation fee".
Previous balance: This is the total amount of money that remains
unpaid at the end of the previous billing period. Of course,
most credit cards issuers will charge a fee over unpaid money.
Credit limit: The highest amount of money your credit card
allows you to owe.
Other costs: Some issuers may charge several different fees on
several different situations. For example, some of the creditors
will charge a fixed amount of money each period even if you do
not use the card, and some will charge you if you want to
terminate the service.
Of course, there is much more to know about credit cards; but
hopefully this small glossary will help you understand the
basics.
About the author:
Tamara Williams is a writer for credit
cards which is a site dedicated to providing consumers with
credit cards and financial help.
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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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| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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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 |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| 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 ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
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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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