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Escaping the Credit Card Death Spiral
You’re burdened with crushing debt and at the end of your rope. There’s got to be a way out. You go to the door every day, expecting bad news. Your minimum credit card payments are eating up most of your paycheck every two weeks. You can’t go to...
Five Credit Card Billing Problems and How to Fix Them
It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to...
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 best strategy to erase credit card debt
The best strategy to erase credit card debt Credit card debt is a growing sickness in the United States and Europe. It is very important to eliminate debt and take control of your financial health. In the below section, I have listed the best...
The Online Mortgage Application Is The Best Option For Good & Bad Credit
Are you ready to fill out a mortgage application and get your
home loan process going? Consider applying for your mortgage
online in order to get the best interest rate and the best loan
program for you.
There are many mortgage companies...
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Get A Cheap Credit Card By Understanding The Fees
Credit card companies charge fees of some sort or another. The
key is to find a card with the lowest fees for the services you
use. For instance, if you use cash advances, then investigate
those fees with credit card companies before you sign up with
them.
Upfront Fees
Not every credit card program has upfront fees, so it pays to
shop around for the right card. For instance, annual fees are
common on cards with fixed or low rates. In the right
circumstance, this fee with the right rate can save you money.
You will also find cash advance fees, either a flat rate or
percentage. Not all cards charge this, but usually they have
higher APRs. It is important to read the terms if you plan on
using this feature.
Balance-transfer fees also can be charged, usually when you use
a 'check' sent by the credit card company. Some programs offer
no fees or low rates for transfers, especially with an
introductory offer.
Extra Fees
Extra fees can often be avoid but should still be researched.
Late payment, over-the-credit-limit, or credit increase can all
result in extra dollars. Less common are set-up, return item, or
telephone ordering fees. Unless a card is offering an
exceptional
rate, these types of programs should be avoided.
Low Fees Equal High Rates - Sometimes
While no one wants to pay fees, sometimes they can save you
money. With large balances or balance transfers, you can often
find lower rates by paying a small fee. You may also find that
with incentive programs, a monthly fee will still allow you to
come out ahead.
However, for those that pay off their balances every month,
choose a card with no or low fees. You can also choose to have a
couple of different types of credit card programs to meet your
different financing needs.
Research Fees
Under federal law, credit card companies are required to list
fees and APRs before you apply. Often the information will be
present in a table. It will include annual, minimum finance,
cash advance transaction, transfer, late payment, and
over-the-credit-limit fees. With this information, you can
decide what card is best for you.
About the author:
See my recommended Credit
Card Lenders online. Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| 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, ... |
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