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Bad Credit Repair
Building your credit after repeated interruptions is a constant
headache we all want to avoid. In this article I am going to
break it on down for you, since there are many sources that will
take full advantage of you when the opportunity...
Barter Credit Repair
Restoring Credit is Essential for surviving in today's time.
Today barter is moving back to the system as many people
including business owners find it to be a solution for getting
out debt or expanding their company. This might sound crazy,...
Credit Cards for Small Business
When you decide to start a small business, you find out pretty quickly that it takes more than skills and dedication in your respective area of work. Besides being good at what you want to do, you also need to known your accounting and financing...
Gateway to Success:Credit Cards
Credit cards are a form of credit that is so accessible these
days, that we can take a card out as easily as going into a shop
as buying a newspaper, the only difference is that once you have
paid for your paper it is paid, but a credit card is...
Why Consumers Need A Nationwide Credit Freeze NOW
What do a shoe retailer, an online discount broker, and a popular clothing retailer all have in common? All three - DSW Shoe Warehouse, Ameritrade, and Polo Ralph Lauren - sustained breaches to their customers’ accounts. Unfortunately, these three...
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How to Shop for a Credit Card
With so many credit card offers available to nearly anyone who wants one, it can be difficult to find a reasonable offer that fits your personal needs. Here are some things to look for when shopping for cards:
•Interest Rate: This is one of the most obvious, yet important, things to look for when shopping for a card. Interest rates can often be as high as 24% and sometimes as low as 0% for introductory rates. Make sure that you know what the rate is before signing up. Also, if it is an introductory rate, find out how long that rate lasts and what it will go up to after the introductory period is over.
•Annual Fees: You can often obtain a credit card without having to pay an annual maintenance or membership fee. If you can find a deal that allows you to avoid annual fees, it is highly recommended that you do so.
•Rewards: One of the most requested features for credit cards is to receive rewards for using the card. If a credit card company is willing to offer you a cash-back incentive, free gasoline rebates or frequent flier miles, it may be worth looking into. Some creditors have even begun offering mortgage rebates, where they will pay a certain amount of principle on your mortgage if you use their
card.
•Balance Transfers: If you have other cards that you plan on transferring balances from for your new card, be sure to check on the balance transfer rate of the new card. Many times you can find a 0% introductory rate that would allow you to pay the card off within the introductory period, thus saving you a significant amount of money in interest.
•The Fine Print: Always read the fine print on credit applications. I know it isn’t any fun and sometimes it’s difficult to understand, but if you have problems later because you didn’t read the fine print, you can only blame yourself and your creditor may show no mercy in dealing with you.
Do your research before you buy a card. Compare the interest rates, balance transfer rates, introductory periods, rewards, benefits and annual fees. Consider the fine print and make an informed decision. This way, you’ll be sure to get the most benefit out of any card you choose to use.
About the Author
David Medlock owns GetSomePlastic.com, a premier provider of online credit card applications and instant approvals. GetSomePlastic.com always encourages responsible use of credit cards and informed decision making in financial matters. http://www.getsomeplastic.com
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| 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, ... |
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