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Alternatives to Credit Cards that You need to Know
Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren't aware of any other easy way to borrow money? Millions of us are, thanks to the unavoidable advertising of the...
Bad credit business loans - when your credibility becomes secondary to bad credit
A business stands firm on the ground with the help of funds. Every business man would know that without finances one can't establish or advance a viable business plan. Not everyone is born with the kind of money required for furthering a business...
Know Your Credit Card Rights
When you apply for a credit card, the application that you sign is also a legally binding contract laying out all the terms between you and the bank, such as the interest rate and how its calculated, the grace period, whether there’s an annual fee,...
Requesting Payment Options to Repair Credit
When you are in debt the best solution for repairing your credit is to ask for extensions, or arrange payment plans. If you have student loans, you can call your loan officer and request deference on your payments.
If you are turned down on...
Student Credit Repair Solutions for Building Credit
There are solutions for students to repair their credit. Believe it or not but it is possible to get out of a student loan obligation. First you must determine what type of student loan you owe. Once you come to this determination you will next need...
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Successful Credit Cards For a Successful You!
There are tons of competing credit card companies around. For
the consumer in you and me, separating the wheat from them tares
among these companies will be quite an enormous task. What
should one look for anyway when considering what credit card
company to avail of?
As with most smart consumers, the key to finding the best credit
card company is to stick with the best. Among the hundreds of
credit card companies that exist, only about 10 to 20 can be
considered truly successful. Identifying these companies will
narrow down your choices to the select few credit cards that are
worth applying for.
Here are some of the characteristics of successful credit card
companies.
1) No Annual Fee - Some credit card companies are confident
enough in their status that they do not need to collect annual
fees. When you consider applying for a card, make sure you
consider those that do not have annual fees first. Remember, if
these companies that require annual fees are not content to make
money off of the interest on your purchases, then they are not
financially reliable to bank on. If the card you are looking at
has annual fees, steer clear of them unless they offer some
fantastic feature that you just can't miss.
2) Extended Interest Days- Upon purchase of an item using your
credit card, you will not
be charged interest unless you are
unable to pay before the set interest day deadline. The most
successful credit card companies offer longer periods of grace.
This means that you do no have to pay interest until that day
comes. Often enough, the standard for this period is 25 days.
To avoid having to pay interest, you have to pay within 25 days
after your billing statement. For large purchases that require
numerous months to pay, you can swallow the interest for its
sake.
3) Low Annual Percentage Rate - Some credit card companies offer
low annual percentage rates. These companies can attract more
customers because they have the financial clout to wag such a
deal in front of consumers. Consumers will benefit from lower
APR. Companies that offer lower APRs hint of larger consumer
bases that make such offers possible.
If you plan to pay your balance on credit cards in full, the APR
may not be much of a factor in your selection of a credit card.
4) Consult Feedbacks and Industry Profiles - most successful
credit card companies are featured in business journals and
other media. This will also give you an idea of who's who in the
credit card business.
About the author:
More information about credit and credit cards is available at
stooze online
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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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| www.nfcc.org |
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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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