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Chase Credit companies can help you with almost anything you need financially
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How a Credit Card Can Be Your Friend
How a Credit Card Can Be Your Friend
Copyright 2005, Jim Hood
We have all heard countless stories of people over their
heads with credit card debt-maxing out every card they own,
then only being able to afford the minimum monthly payment.
High interest payments shackle people to their debt for
years, not to mention the significant income drain the
finance charges have on their families.
It is unfortunate that many Americans must live with this
reality, since with some financial discipline, this delimma
is avoidable. When a spending plan is developed and
followed, a credit card becomes no more dangerous than any
other form of payment.
When credit card bills are paid in full each month, credit
card fees and finance charges do not accumulate. With a
little extra bookkeeping from a spending plan, a credit card
is transformed from being a burden to a very rewarding
financial partner-since it provides the following advantages
over other forms of payment:
· Rewards Programs. Many credit card companies offer
loyalty programs to reward those customers who use their
cards more. Rewards usually come in the form of points or
cash. Depending on the company, the points can be redeemed
for things like restaurant gift certificates, hotel stays,
airfare, vacation packages and more. Cash cards typically
pay a 1% rebate on your purchases, which makes for an extra
$180 a year on monthly spending of $1,500. This level of
spending is easily achieved by putting all your purchases on
a credit card (including utility bill payments). There are
even cards that pay more than 1% for particular types of
purchases like groceries or gas, such as Citi's Dividend
Platinum Select card.
· Perpetual 0% Loan. When you use a credit card, you are
using the bank's money to pay the store instead of yours-for
free. While you're waiting for your statement to arrive,
your money can continue to work for you in an interest-
bearing account, such as ING Direct's Orange Savings.
Unlike a
debit card that continually reduces your account
balance, using a credit card preserves your entire bank
account balance for earning interest until your statement's
due date. That's an extra $35.25 a year based on a $1,500
balance at today's rate of 2.35%*.
· Fraud Protection. If your credit card number is used
fraudulently, by law your maximum liability is $50. This is
not true of a debit card. A perpetrator can easily use
your debit card as "credit" transaction in retail stores or
online. This type of transaction does not require a PIN
number to be entered, and is especially dangerous since a
thief can clean out your entire bank account in short order.
· Loss Protection. Unlike cash which is gone for good if
lost, a credit card can be replaced within days of reporting
it to the issuing bank. In the meantime, you're protected
against unauthorized use by anyone who finds the lost card.
· Warranty Coverage. Many MasterCard credit cards warrant
your purchases above and beyond that offered by the
product's manufacturer. Your purchases made with one of
these cards get an extra level of protection for free. See
MasterCard's website (http://www.mastercard.com) for the
full scoop on their coverage terms.
· Purchase Protection. Another benefit MasterCard offers on
most of their cards. With their Purchase Assurance plan,
your purchases are automatically insured against damage or
theft for the first 90 days, also at no additional cost to
you.
With all of these benefits over other forms of payment,
credit cards can easily become your favorite way to pay.
Instead of dreading your credit card bill each month, it can
become a pleasant reminder of your money mastery.
About the Author
Jim Hood is a senior contributing editor at the Discount
Shopping Service Guide, where he reviews credit card offers
and writes about money-saving strategies for shopping
online. His credit card offer reviews can be found at:
==> http://www.discountssg.com/credit-card-offer.html
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
| www.equifax.com |
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| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
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| AnnualCreditReport |
| 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. |
| www.annualcreditreport.com |
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| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
| myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
| www.myfico.com |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
| www.credit-suisse.com |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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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. |
| www.ncua.gov |
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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 ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
| www.freecreditreport.com |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
| www.fordcredit.com |
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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, ... |
| www.zug.com |
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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. |
| www.creditmag.com |
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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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