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Bad Credit Used Car Loan: When Bad Is Not Really Bad At All
For people who have a low credit score or had encountered some
serious credit problems in the past and need to buy a car, then,
they have to apply for the so-called bad credit used car loan.
Basically, a bad credit used car loan provides the...
How to Handle and Avoid Credit Card Debt
If you are trying to avoid credit card debt, it probably seems like the entire world is working against you. Anyone with a mailbox receives hundreds of credit cards offers every year. And although credit cards can be lifesavers when used...
Myths and truth about credit scoring.
Credit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files. The widely used FICO score was developed by Fair Isaac Corporation, and it is a formula which...
Obtaining a Business Loan When Your Credit Rating is Poor
Poor credit, unfortunately, is a common problem for many women.
Poor credit can happen for a variety of reasons. It can be due
to a divorce, when bills weren't paid on time or at all. It can
be due to a medical disaster, where bills have piled up...
The advantages of consumer credit counseling
Many individuals have been helped by consumer credit counseling to take control of their finances and to eliminate debt. Consumer credit counseling can work for you by teaching money management skills which can help you throughout your lifetime. ...
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Low Interest Rate Credit Cards - Understanding The APR
When shopping for a credit card, it is important to understand
the annual percentage rate (APR) to find the best deal for your
situation. If you pay off your bill every month, a no fee and
moderate APR plan may be best. However, if you take out cash
advances, you will want a low APR on that feature.
Various APRs
Each credit card has several different APRs. At the minimum they
will have a rate for purchases, cash advances, and transfers.
Typically, cash advances will carry a higher rate than for
purchases or transfers. Transfers usually carry low rates.
Sometimes you can even find an APR of 0% for an introductory
period.
To entice you to open an account, credit card companies offer
introductory and delayed APRs. An introductory rate lasts for a
certain period, usually six months to a year. Delayed APRs
charge no interest until a certain month.
Some cards also offer tiered rates, which keeps rates low for
those that carry a small balance. For example, a card might
offer 15% on balances between $1 - $1000 and 18% on balances
over $1000.
Credit card companies also have penalty APRs. These apply when a
payment is late, as outlined by the card's
terms.
Fixed Versus Variable APRs
A fixed rate APR doesn't change. Usually these types of cards
have an annual fee with them. But they usually offer lower rates
with some security, making them attractive to those who carry
large balances. It is important to remember that even fixed
rates can change, but the credit card company has to give you
notice.
A variable rate APR flexes with the index they are tied to,
typically the prime or T-bill rate. Variable rate APRs are not
the same as an introductory or delayed APR.
Picking The Right Card
Research all the APRs when you are looking for a good credit
card. Know your credit habits, and pick the card with the rates
that will give you the best deal.
You can even open multiple accounts, using them for different
credit purposes. For example, you can use one card for cash
advances but another for purchases.
About the author:
See my recommended Credit
Card Lenders online. Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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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 |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
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| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
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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, corporate bonds, derivatives, structured credit ... |
| 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, ... |
| credit.about.com |
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