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Fair Isaac Corporation Credit Or FICO Score
As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company based in California. FICO, put simply, is a person's credit score. A credit score can be used by a potential lender in...
How Do You Accept Credit Card: Let Me Count The Ways
Nowadays, everything seems to revolve around plastics. That is,
more and more people are finding credit cards as the most
convenient way to shopping, whether it is online or not.
Hence, with the arrival of credit cards in the market...
How To Get Free Credit Cards
Free credit cards - what a concept! We're all enticed by the
very word free. The more common term for free credit cards,
however, is 0% (or zero percent) APR credit cards. APR stands
for annual percentage rate. In other words, free credit...
How To Pay Credit Card Debt Off
If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate. The quickest way to take back control of your...
What's Your Credit Score? (and what does it mean?)
Anyone applying for a mortgage will probably hear the term "credit score" mentioned at least once, and you'll ask "What's my credit score?" Depending on where you live, you may or may not get a straight answer. Some lenders or credit companies may...
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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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| 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 |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
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| www.ftc.gov |
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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 |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
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| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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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! |
| www.freecreditreport.com |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| 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. |
| www.creditmag.com |
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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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