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No Fuss Credit Card Application
Today's consumers want the least possible hassle, processing
time and related fees when they make credit card applications.
One question that immediately comes to mind is acceptance.
Credit card applicants generally should not worry if they...
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....
Small Business Credit Cards
Small Business Credit Cards So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn’t an option because it can make or break your business. Things to look for are low interest rates...
The Three Factors of Credit-Worthiness
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Want A Credit Card Merchant Account?
Who doesn't want a credit card merchant account! This special
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clients in a number of ways that can help to speedily grow your
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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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| Credit (finance) - Wikipedia, the free encyclopedia |
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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. |
| 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, ... |
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