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0% APR Credit Cards: How Can They Do That?
During the days when the federal bank interest rates were at its
lowest, back in 2002 and 2003 to be specific, countless credit
card providers offered 0% APR credit cards to many consumers.
Needing only to pay the outstanding balance, smart...
How Creditors Measure Your Credit Rating
Creditors will measure your credit rating based on the following three main things.
Capacity
Collateral
Character
The three "C's" show creditors your:
"Capacity" or income to pay the debt
"Collateral" or assets...
How To Turn Bad Credit Into Excellent Credit Rating
Today, credit is no longer a luxury but a necessity. Any person
who has bad credit, is probably finding himself at a serious
disadvantage unable to buy a home, obtain credit cards, buy a
new car and other big-ticket items.
A good credit...
Learning More about Visa Credit Card
Today when everything is just a click away, owning a credit card
or two is nothing knew. Plastic cards have replaced paper money.
Why it's very convenient! You don't have to worry about running
out of cash every time you go shopping. Spending...
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...
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How To Avail Of Credit Card Point Redemption
I have a friend who's a frequent traveler who's most of the time
always out of the United States. While he's always traveling,
his purchases done in other countries are done over his credit
cards. He prefers using his frequent traveler credit card in
buying his plane tickets as these that allow him to accumulate
travel air miles. Whenever he buys plane tickets, can always
redeem his accumulated travel miles to avail of discounts on his
plane ticket or if he has accumulated a lot of air miles
already, he can use them in buying his plane tickets alone.
My friend does have other credit cards that were offered to him
from US merchant stores. The only problem he has is as he's
always out in other countries, while he's able to use these
credit cards, he may not be able to always to use his
accumulated points from those merchant sponsored credit cards
because he seldom goes to those stores anymore. In availing of
credit card points other than air miles, are there other ways of
redeeming them assuming that an individual may not be around all
the time to shop back in the locally based stores that
co-sponsored those credit cards?
The answer is yes. While an individual may be out of the country
on business or leisure, the advantage provided by the internet
has allowed consumers all around the world with
much flexibility
and benefits. Accumulated rewards points from credit cards
offered by major US based merchant stores can also be redeemed
online whenever he may make purchases over the internet.
A person making a book purchase online using his credit card
sold to him also by the same online book retailer he's buying
the book purchase right now for example may redeem his rewards
points in the form of redeemable gift checks that he can later
use to buy other books and have them sent over to his house in
the US or send as a gift to friends or loved ones.
In order determine the number of points a person has accumulated
from his purchases from his credit cards that he can later on
redeem for new gift items, appliances or even equivalent travel
air miles, these can also be tracked and checked from the credit
card companies' websites.
Credit card companies have their own hotline numbers for
inquiries on redeemable rewards. It's important to know the
equivalent number of points that will be needed to redeem the
equivalent items so that the credit card user may maximize the
benefits and rewards that his credit can offer him on a
longer-term basis.
About the author:
More information about credit and credit cards is available at
stooze online
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| Credit - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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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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