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Bad Credit Payday or Cash Advance Loans - No Credit Check Required
If you are in need of extra cash until pay day, you may want to consider applying for a pay day or check loan online. A pay day loan can be obtained online and with no credit check. Bad credit will not disqualify you from qualifying for a pay day...
Choosing and Using a Credit Card Wisely
Credit drives our economy. Sure, there are still some cash-and-carry guys around, but most of us rely on credit and particularly credit cards. Shopping around for a credit card can save you money on interest and fees. You will want to find one with...
Credit Building Strategies
IF you are attempting to build your credit there are many
strategies we can look at to help you get started. If you have
no credit, bad credit or good credit, building credit is
important since regardless of your situation, you do not want to
go...
How to Find a Bad Credit Loan UK
Finding a bad credit loan UK that meets your financial needs can be difficult sometimes… it might seem as though there isn't a lender anywhere who's willing to take a chance on an individual that's had credit problems in the past.
Of course, it is...
Need to Repair your Credit? 5 easy steps
Five Easy Steps to Repairing Your Credit
Have you damaged your credit rating, and now need to repair it?
It can be a long, tedious process, if you aren't sure of exactly
what to do. And if you decide to work with an agency that
specializes...
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Settle Smart: How To Do Credit Card Payment
The first step in doing a credit card payment is to understand
your monthly billing. The following are terms you will encounter:
Statement date - The date that the bill was printed.
Payment due date - this is the day that the cardholder must pay
any outstanding balance. Payments made after the said date will
be credited, but will also be fined a lateness fee.
Total Amount Due - It consist of the unpaid amount from the
previous month, as well as purchases, payments and interest
charges for the current month. When the cardholder pays this
amount on or before the payment due date, no interest charges
will be imposed.
Minimum Amount Due - this is a smaller fraction of the total
amount due. To maintain a good standing with the card company,
pay at least this amount, if you cannot afford to pay the total
amount due.
Finance charge - if the cardholder is not able to pay the total
amount due, then he is charged a fee for borrowing money from
the company. It is calculated based on the interest rate of the
card.
Late charges - Paying or not, after the payment due date, is
penalized with late charges. Avoid this as much as possible as
this is almost 2X the interest rate of the finance charge.
Consistently missing payment may lead to cancellation of the
card and a bad credit standing.
Having understood the information
on your monthly bill, here are
simple strategies for paying your credit card charges:
Always pay the total amount due. Paying only the minimum amount
due means being charged for a high interest rate on the unpaid
amount.
If you cannot pay the total amount due, pay as much as you can
above the minimum amount due. This strategy aims to reduce the
finance charges that you have to pay for settling partially.
Do partial payments as early as possible (as soon as you receive
the billing). Finance charges are based on the unsettled amount
and the time it remains unsettled, so the shorter it is, the
lower it will be for finance charges.
Some card companies reward loyal cardholders by accumulating
points for their spending. Check if reward points can be
credited back as payment.
Lastly, pay the total amount due. Just to emphasize the point!
There are many avenues to pay your card bill. There's the
traditional way of waiting in line, or the faster way of paying
electronically through your computer, cash machine or mobile
phone. With all these conveniences at hand, it is quite
unforgivable to miss your payment due date.
Therefore, settle smart: pay the total, pay on time.
About the author:
More information about credit and credit cards is available at
stooze online
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| Credit - Wikipedia, the free encyclopedia |
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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 ... |
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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, ... |
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