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Disputing Credit Reports--What You Need to Know
Provided by http://www.nationalcreditrepair.info
Managing credit often becomes complicated when details are lost,
confused, unknown or when there are disputes on personal credit
reports. Many times there will be errors with purchases...
How to Get 'Triple A' Credit in 25 Days.
Good credit is everyone's dream. A wise use of credit can go a long way. It certainly makes certain goals in life (like acquiring business loan from bank) easily attainable.
But the key question remains: "What does it take to achieve 'Triple...
Learn About Prepaid Credit Card
Prepaid credit cards also called stored value card can be ideal for individuals who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who have a hard time...
Questions to Ask a Credit Counseling Service about Debt Relief
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class...
Save Money By Understanding Your Credit Card
Around £6billion a year is lost due to credit card users not understanding
how their credit card works. Too many people are dazzled by the latest deals
offered by credit card companies and end up paying more than they should, simply
...
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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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| 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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| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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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. |
| www.cuna.org |
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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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