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Bad Credit Debt and Loan Consolidation Advice
Are you deep in debt and have a bad credit history? If you
answered yes to that question, finding a company who offers a
bad credit debt and loan consolidation service may seem like the
perfect solution. It is very important however, to...
Check Your Credit Rating Before Stoozing
Each time you stooz you run the risk of damaging your credit
rating. Each application you make for credit, be it for a credit
card, loan, mortgage or even just for a mobile phone contract,
is recorded and filed away in a central register. This...
Finding the Bad Credit Personal Loans that You Need
It can seem impossible at times to get bad credit personal loans… every place that you go to apply for a loan turns you down without a second thought. You may feel frustrated, depressed, or overwhelmed… all because of credit mistakes that you've...
How Credit Works
Though it can affect a variety of aspects of everyday life, there are a large number of individuals who don't know exactly how credit works. If you're one of these people, don't worry... you're obviously not alone, and credit isn't always the...
The Ins and Outs of Credit Card Debt Settlement
Are you a self-confessed shopaholic who buys anything and
everything that you get your shopping addicted hands on? Such
thoughtless and impulsive buying will most likely result in the
accumulation of a bunch of junk that will simply collect...
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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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| 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 |
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| The National Foundation for Credit Counseling |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| 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. |
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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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