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Choosing a Credit Card
Everyone has different needs when it comes to choosing a credit card. If you pay off your monthly bill in full on a regular basis, for instance, you�ll want a different kind of credit card than someone who keeps a balance every month. Or, if you...
How to handle small business credit card account
A business credit card allows companies to separate business
expenses from personal expenses and makes business transactions
easily by phone, via the Internet or in person. The advantage of
a business credit is obvious. But what kind of steps...
Lawyers are not always a Solution for Credit Repair and Credit Building
Lawyers often charge high fees to help individuals get out of
debt. Credit repair clinics are available to assist individuals
with debt relief, but only the absolute desperate would even
consider these types of solutions. So, if this is not...
Three Steps to Starting Your New Business With a Clean Credit Score
For many people, starting their own business is a personal
dream. Before fulfilling your personal dream, it's necessary to
get your personal finances in order. At this early stage you'll
be using your own personal finances to start your business...
What Is Credit Counseling?
If you are in trouble financially, you have probably heard the term �credit counseling,� but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it�s a completely...
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Major credit cards
Credit cards have been used for the last fifty years, but there are major credit card companies that have led the way. American Express, Diners Club, Visa, and MasterCard were the initial major credit cards, going nation-wide in the 1960's. The credit card itself has an individual credit card number which identifies which company or bank issued the card, and the cardholder's individual credit card account number.
The back of your major credit cards have a magnetic stripe that is called a magstripe. The magnetic particles that make up the stripe can hold a lot of information. Different major credit card companies put different information in their magstripe. The information can be pin numbers, currency values, account limits, or country of origin. The information on the magstripe can be lost if the magstripe is erased by exposure to a magnet or by the strip becoming scratched or dirty.
When looking at which major credit card to get, compare
all of the offers and look at all of the fine print. Many major cards compete for your business by offering rebates, frequent flier miles, gifts, low interest, and higher limits. For example, one company may offer a low interest rate on current balances where as another card issuer may offer some sort of bonus scheme etc. Another way the companies may draw you in is by offering a 0 percent interest scheme for 6 months or so on balance transfers. So, if you transfer some form of current debt you won't pay interest for 6 months. If you have a good credit rating, you can haggle between different cards never paying interest on what you owe.
Be sure to use the many review sites online and shop wisely for the major credit card that will best suit your needs.
About the Author
John Gibb manages http://www.credit-card-guides.net
An updated blog dedicated to educating people on credit cards.
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