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Bad Credit Personal Loan - A Pay Day Loan May Be Your Best Option, No Credit Check
If you have bad credit, have an emergency and need some fast cash, an instant pay day loan online could be a quick solution for you. With online pay day loans, the lender does not pull your credit, so it doesn’t matter how poor your credit history...
Credit Education
Credit education http://www.icreditonline.com Credit Education Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured...
Credit Reporting Agencies
Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near...
Student credit cards: Basic guide
Many students start becoming consumers of credit when they get their first student credit card in college. Student credit cards can give them a highly convenient way of making purchases; however this is also a time of great responsibility as they...
The different credit services available to you
You can use credit services to finance your needs. From buying a home or a car to financing your everyday purchases, credit services can help you meet your needs. The credit services you seek will depend on your situation. A home mortgage can help...
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Low Apr Credit Cards
Many credit card companies use the term low APR to promote their credit card offers. But how do you know if the card you are applying for is really a low APR credit card? To determine whether this is accurate or not, you're going to have to look at the fine print of these claims.
Of course there are a lot of reputable and honest credit card offers available as well. We recommend www.easy-approval-credit-cards.com as an excellent source for dependable credit card offers.
Here is some basic interest rate information to help you determine if those "low APR rate credit cards" are really "high interest rate credit rip-offs."
Keep in mind that interest rates are variable. Credit card rates are set by adding a spread, or margin, to a base rate. Your base rate is often a widely used index rate, which is almost always a rate that changes periodically, without warning and for no reason.
The spread that is added to calculate your rate depends on your credit history. If you pay your bills consistently and on time, the spread may be as few as 2 or 3 percentage points. If your credit history reveals that you make late payments, or have too much debt, the spread may be 5 or 6 percentage points
or more.
The advertised rate on a credit card is often the card's simple interest rate. The effective interest rate, however, is your true cost of borrowing and includes annual fees you pay to use the card. The compounded interest rate is a better barometer of your effective interest rate. For example, if your card has a rate of 12%, your monthly rate would be 1%. Because credit card interest is compounded monthly, the effective annual interest rate on a 12% simple-rate card is 12.68%. By doing a little research, you could save yourself a lot of money in interest in the long run.
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Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published "as is" (unedited) and all URL's are made active hyperlinks with no syntax changes.
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About the Author
About The Author
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit cards or to apply for a credit card online please visit: Visit http://www.easy-approval-credit-cards.com today!
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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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| 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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