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Credit Card Debt – Watch Your Credit Report and Your Bill
Most consumers are aware of the importance of their credit report. This document, offered to consumers and lenders by the three major credit bureaus, offers a fairly complete list of financial transactions and debts incurred by a consumer. Lenders...
How A Bad Credit Report Affects Your Life
A low credit rating or bad credit report can negatively affect virtually every aspect of your life. Whether you are consistently late on your mortgage or utility bills or you are over your limit on your credit cards, bad credit can make purchasing...
How to Get a Secured Bad Credit Loan
If you need money now, but have been repeatedly turned down for unsecured personal loans, you may still be able to get the cash you need with a secured bad credit loan. A secured loan is one in which you offer something as 'collateral' to guarantee...
Plastic probe by OFT welcomed – but Moneynet warns credit card companies may look to ramp up other charges
Plastic probe by OFT welcomed – but Moneynet warns credit card companies may look to ramp up other charges Credit card holders advised to study the small print and be prepared for card companies to go on offensive in wake of OFT investigation into...
The Credit Card Surprise That You Need to Look Out For
The Credit Card Surprise That You Need to Look Out For Companies that issue credit cards want to make a profit. No one disagrees with that. The problem is that, we as consumers have, is when they have hide or disguise what it really cost for you to...
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Know How To Get The Best Credit Card Deal
Getting your own credit card is not as easy as you may think.
Applying for a credit card account needs a lot of thinking.
Before marching down to your credit card agent, ask yourself
some questions like do you want to pay for the credit every
month or carry a balance instead? The type of credit line limit
is also to be taken into consideration. Credit cards offer a lot
of benefit packages, think of the package that would suit your
needs.
If you want to carry on a balance, look for the credit card that
offers the best interest rate or the annual fee offer. However,
if you intend to pay for the credit every month, then look on
the one that offers the lowest interest rate.
Credit limit determines how far you can go with your card. Think
of the lowest limit that would fit your needs, not your
lifestyle. Remember it's supposed to be for necessity and not
for luxury. Adding 30% to the limit you agreed on. This will
maximize the value of the card. Meaning, you can use the card on
a normal basis and still have enough value if an emergency
arises.
Credit card companies offer tremendous bonuses on their cards.
If you wanted to sign up for these packages, think, think, and
think! Will they really be of help to you or are they just
there
to make your credit life miserable?
Of course the table is laden with different courses. You are
only to get one so don't rush into one that looks good. You
always have the liberty of comparing one credit card to another.
Always choose the credit card that offers the lowest annual
percentage rate (APR). APR's could either be a "fixed" or a
"variable" rate. Fixed rates do not change as the name implies
but is higher. Variable rates changes depending on the economic
trends. This is to be taken into consideration if you're
deciding on carrying a balance.
Some credit cards offer a grace period of 25 days before they
charge the interest on the purchase. But some may not have. Look
for those that have one and the longer the grace period, the
better the deal.
You also have to check on other fees attached to the credit
card. These are the penalty rates as well as other charges like
over the limit charges and late payment charges.
When choosing a card, always remember to get the one that would
best fit your needs and at the same time the best deal you could
get out of it.
About the author:
More information about credit and credit cards is available at
stooze online
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| National Credit Union Administration - Home Page |
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| Credit - Wikipedia, the free encyclopedia |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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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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