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10 Things to Look for in a Home-Equity Line of Credit
If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash...
Bad Debt Loans - Ensures that Debts no Longer Trouble Bad Credit Borrowers
Borrowers with a bad credit history have little credibility
among the loan providers. The debt burden further tatters the
faith that the individuals would have enjoyed. In fact, debts
are considered a prelude to the bad credit history. Debts...
Building Credit to a Better Future
Building credit is building a better future. Nowadays it takes
good credit scores to purchase a home, buy a car, and get a
credit card and so on. If your credit is bad usually more bad
follows. It takes you to find a solution to repair your...
Online Credit Card Precautions
With the economies and companies going global, there is an enormous rise in the number of the virtual stores. More and more people are beginning to shop online rather than going to the market and wasting hours. Now the product of your choice is just...
Repair Your Credit and Prevent Future Credit Problems
Wondering how to repair your credit? Consider these options.
When should you consider credit repair? A lot of people assume
their credit is fine, when in fact there may be mistakes applied
to your credit report that you don't even know about....
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Options for the Best Credit Card
Consumers who want to maximize their options on a credit card
should first find out all the terms and related costs associated
with a particular card. For those who feel that the best credit
card is one that is low-rate and no-frills, they should
determine if the card has annual charges, as no-frills users do
not need to pay such fees. Some upscale prestige cards, air-mile
credit cards and similar rewards packages collect annual fees in
exchange for perks, services and other rewards.
The definition of a best credit card varies depending on
personal preference. Individuals currently have many options
available in the market, including instant approval cards, cash
back credit cards, low-interest credit cards and prepaid debit
cards.
The percentage rate (APR) is another crucial element users must
weigh before signing up for what they feel is the best credit
card in the market, particularly those with balances, as lower
interest rates mean lower payments for carriage and substantial
savings.
For fixed-rate cards, owners can expect interest rates to be
more stable - a credit card on 12.99% interest is likely to
remain at that level for a relatively longer period of time
compared to a variable card. However, holders decided on
securing the best credit card should be aware that even
fixed-rate terms could change, although card
companies are
required by law to issue a written notice for any rate
adjustment at least 15 days prior to their affectivity.
Variable-card customers need to know if their plans feature
minimum APRs, or 'floors' - the lowest-possible levels that
interest rates could fall to, inclusive of any adjustment by the
US Federal Reserve. A Bankrate.com poll indicated floors for 24%
of variable-rate issuers surveyed, with 75% of that group
already at minimum APRs through October 2001. This means that
the interest rate on these cards will only go up in the future.
How long or short a grace period is for settling balances is
another factor that customers seeking the best credit card
should consider. Since interest charges kick in when the grace
period lapses, a company offering longer grace periods means a
more extended time for users to settle outstanding obligations
without paying interest before their next card purchases are
penalized.
Individuals seeking the best credit card deal should also be
aware of all penalty policies covering missed payments,
purchases exceeding the limit or balance transfers. First USA
and other providers have a $35 ceiling for such transfers, while
Citibank has a $50 cap.
About the author:
More information about credit and credit cards is available at
stooze online
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
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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 |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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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. |
| www.ncua.gov |
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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" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| 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 ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| The Credit Card Prank |
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| www.zug.com |
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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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