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Balance Transfer Credit Cards And Their Rewards
If you haven't been credit card shopping recently, you'd be
amazed at the variety offered today. In addition to the
different interest rates, the extent of rewards or perks offered
is vast. There are cards offered to fit everyone's needs....
Consolidate Your Debt With A Home Equity Loan And Improve Your Credit Score
A home equity loan is a loan based on the difference between what your current home value is and what you currently owe on your house. There are also mortgage companies that will loan a little over the equity you have in your home. They can usually...
Keeping Track to Repair and Build Credit
Keeping track of your spending and diverting a budget plan is
often a better solution for repairing credit and building your
rating. If you file for bankruptcy of debt consolidation you are
only adding more headaches to an already bad...
Pros And Cons Of Credit Cards
Credit cards are very convenient. There's no need to carry any cash; you can just take a credit card with you to the shop and charge for your shopping.
When you shop on the Internet or over the phone, it's the only good way to make purchases...
Signature loans: a signature can relieve stress of no collateral and bad credit
The dynamics of loans borrowing procedure has brought new ways of borrowing in the forefront. Signature loans are remote from traditional forms of loans borrowing which requires collateral to be placed as the guarantee of the loan borrowed....
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SuperCharged Secret 1 - LIVING IN CREDIT CARD UTOPIA!
5 SuperCharged Secrets to Credit Card Utopia!
Secret 1 of 5
I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!
Note: The following is part 1 of a 5 part series, Over the course of these next 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you’ve ever seen before. I like to call this approach, the “5 SuperCharged Secrets to Credit Card Utopia.”
1.SECRET 1: I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!
2.SECRET 2: INTEREST BEWARE, THERE’S SAFETY IN NUMBERS!
3.SECRET 3: TURBO-CHARGED KILLER RATE SAVING INFORMATION!
4.SECRET 4: YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER!
5.SECRET 5: LIVING IN CREDIT CARD UTOPIA
Without further Ado, let’s get started:
SECRET 1: I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS!
1)How would you like a zero interest credit card?
WHAT? Did you say ZERO interest? That’s like 0.00%, or .0000000%, or nothing, or nada, or no interest? Tom! Can’t be!!!
2)Actually, that’s exactly what I mean.
You can have zero interest on a perfect day, or, can you live with 4% interest? I just received a credit card offer for 4% interest (which I turned down…), but if I needed it, that is completely reasonable, don’t you think?
3)You see, you are the consumer, and you have Low-Rate Super Powers!
This is a hot, credit-hungry market we’re in. There are banks and lending institutions that would do just about anything to entice you in to their little web of plastic loanery.
4)Here’s Secret #1 revealed:
Credit Card companies are competing with each other, by offering consumers like us, low-interest, to no interest, balance transfers on already existing debt. Granted, these are usually (but not always…) limited to a time period like 6 months…
But, what do you care? 6 months of zero interest is certainly MUCH better than 6 months of 19% interest, RIGHT?
5)The first, most important thing you need to do, is examine if you have outstanding balances on other credit cards. If you do, then wisen up!
Let me be your Dad for a second…”Stop being lazy!” Go shop for a new
credit card, and ask them if they offer balance transfer opportunities. Virtually ALL OF THEM DO! When you get the answer you’re looking for, apply. They’ll send you a nifty letter in the mail with a bunch of blank checks. Have a feel day! Go pay off your other credit cards, transfer the balances, and start enjoying zero to low interest! Pretty cool, huh?
6)But TOM, what do I do in six months?
Oh please. You know what you need to do. Mark your calendar, or your Franklin Covey, or your PDA, or whatever you use, and repeat the procedure again in 6 months (hot-tip: look for no-time limit zero interest balance transfers.)
This is easy stuff, folks. But it does take a couple extra steps.
That’s why people AREN’T DOING IT, if you can believe that!
Well, it’s your turn to be the smart consumer, right? Take this BIG, HUGE, sensible first step, and you are well on your way to the pearly gates of Credit Card Utopia!
We’ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.
Publisher’s Directions:
This article may be freely distributed so long as the copyright, author’s information, disclaimer, and an active link (where possible) are included.
Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.
About the Author
Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. Visit: LoanResource.Org , or email Tom at info@loanresource.org .
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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. |
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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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| The National Foundation for Credit Counseling |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
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| 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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