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Credit card debt help
Debt consolidation is the most effective type of credit card debt help. Most people get into credit card debt when they end up getting more than one credit card, and unfortunately, they usually end up with more than one debt. The result is that...
How Credit and Faith Lead to Success.
Have you ever really thought about how much credit and faith are factors, which lead to success? The word "credit" means faith. Credit is the faith of man in men. Faith is the basis of all business and of all success. No transaction today is...
How To Dispute Your Credit Report Errors
Your credit report contains important information about you. It generally includes facts about your identification data, your bill-paying habits, inquiries and public record information.
Credit bureaus compile and sell your credit information to...
Mandatory Credit Counseling for Those Considering Bankruptcy
Most Americans are aware of the sweeping changes in U.S. bankruptcy law that were made by Congress recently. These changes, strongly supported by the credit card industry, were designed to make it more difficult for Americans to file for bankruptcy...
Prepaid Credit Cards Online
There are some websites you would like to purchase merchandise but you don't trust the website yet with your credit card information. A solution is in place, Get a Prepaid Credit Card! These plastic wonders help you protect your real credit card...
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Maximum Return On Your Credit Cards
There has been an explosion of credit cards that specialize in
certain benefits over the last five years; reward points, cash
back, 0% transfers, credit monitoring, discount gasoline,
money-market savings, etc. So how do you get the most return
from your card, particularly when their plans change?
(Presuming you never, ever carry a credit card balance -
interest charges and potential fees will more than consume any
side benefit that a card can offer.)
In the old days, the big benefit was airline miles. Let's see
how well that works out. The average airfare for a ticket that
was paid for with credit card airline miles is about $400. And
the average program requires 25,000 to 35,000 miles to be
credited a free ticket. Since miles are normally accrued
dollar-for-dollar, the average benefit is between 1 to 1.5% of
what you spend. More reference material for this article is
available at http://investing.real-solution-center.com.
Now we are starting to have something to compare. If you get an
offer for a 1% cash back credit card, you'd be slightly better
off getting the airline miles. But in my opinion, the many cards
offering up to 5% cash back are the best deal, as long the fine
print lines up. First, there are normally limitations on the
shops where the 5% applies. You want a card that applies the 5%
to where you spend the most of your monthly income. The credit
card industry calls these 'everyday purchases', such as
groceries, drug stores, and gasoline, but exclude warehouse
clubs. You should get a card with the widest number of retailers
where you commonly spend money. Or, get a specific-store card
for those large one-time purchases.
For example, if you are
buying new kitchen appliances from Sears, apply and use their
card for the purchase and you normally get 10% off. You can
cancel it later when it has a zero balance.
The next 5% cash back problem is an annual limit. Citi Dividend
credit card limits your annual earning to only $300. If you have
some big purchases, you may have spent $5,000 on your credit
card in the first month, and you've hit your cash back limit
already. So guess what, you are going to stop using that card
and start using a different 5% cash back card until you've used
up that limit as well. Use them up and move on. American Express
currently has a card called Blue Cash for bigger spenders. It
offers only 1% cash back until you spend $6,500, and then it
pays 5% cash back until you've spent $50,000. But there aren't
nearly as many AmEx merchants as Visa/Mastercard merchants.
(Again, AmEx and others may have exclusions like purchases at
warehouse clubs). You can compare dozens of credit cards from
directory websites like www.allstarcreditcards.com.
Getting the most from your card is like going into battle: you
can have a great plan in the beginning, but once cardholders
start exploiting loopholes and creating unintended consequences,
the card companies change their policies, it goes back and forth
continually. So read all the fine print before applying, and
squeeze some extra money from your credit card purchases this
year.
About the author:
Francis Kier has an MBA in finance and shares his two decades of
experience with investing and personal finance. More of his
articles are available at
http://investing.real-solution-center.com
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| News and resource directory about credit unions. |
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| 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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