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Bad Credit is EVIL
Bad credit is one of the worst financial situations to be in. A
bad credit can affect you in a lot of ways. With a bad credit
you can have difficulty getting a loan. Anything like poor
financial skills or bankruptcy can lead to bad credit....
Best Car Loan Rate - How To Get The Most From Your Credit Score
Your credit score is the most important factor to getting the
best car loan rate. Many shoppers make the mistake of going to
the car dealership and applying for a loan before checking their
credit report and score. By checking your credit score...
Credit Repair Business Opportunities - Huge Profit Potential!
In the world today, many people are further in debt than they realize. When they finally come to understand they need help, they are on the brink of bankruptcy. However, President Bush’s signature on the new bankruptcy law has changed this option....
Home Loans For People With Bad Credit - Tips To Getting Approved Online
Buying a home with bad credit doesn’t have to stop you from finding an affordable lender. By shopping online for a lender you can find the best lending rates for your situation. The following search tips will help you get started. Gather Your...
Your Home Equity Credit Lines
Do you need to borrow money? Home equity lines may be one source
of credit. Home equity credit lines may provide you with large
amounts of cash at a low interest rate and they may provide you
with certain tax advantages with other loans.
...
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SuperCharged Secret 4 - LIVING IN CREDIT CARD UTOPIA!!!!
5 SuperCharged Secrets to Credit Card Utopia! Secret 4 of 5 YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER!
Let’s just take a brief moment to recap:
If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things:
a)You now know how to take advantage of zero to low interest credit card offers.
b)You now know that there is safety in numbers, and you know the magic “Who’s Who” of the major credit card companies. You know that one of them, in my opinion, stands out for consumers.
c)You now know how to take a low interest credit card with a rewards program, and convert it into a money making technology that could seriously improve your financial house.
With me? Good. These are all essential foundations that you need to follow in order to live in Credit-Card Utopia with me.
In fact, you would think that there’s not much more that can be done.
Side note: I hope you are realizing the power of this information.
It may seem simple, but are you doing it? No. So, be smart. Study this information, reflect on these insights, and move forward with them so you can truly benefit from this secret knowledge.
On to Secret, #4:
1)It’s very important that Utopians cover all bases, and leave no one behind.
The 3 secrets we’ve covered, really deal with those of us who have fairly good credit.
Now, if you don’t have “good” credit, please don’t discard these prior ideas.
I didn’t have “good credit” once. Who cares? How many people, small businesses, corporations, and large industrial countries, have said the exact same thing?
2)So, don’t feel left out.
Move towards Credit Card Utopia as a goal to move you into action.
Our website (and many other fine websites around the internet) can provide you with many, many resources to work on your debt issues, or your credit score issues, or whatever.
You might be surprised how FAST you can go from point A to point B.
(Here’s a tip: Don’t waste time. Find assistance. Don’t go at it alone.)
3)Getting back on track: Want a zero interest credit offer? Want a low-interest, no annual fee, incentive-based offer?
Well, if you’re struggling with credit or debt, then the first step is to tackle this issue from a different point of view.
Give up on Visa®, MasterCard®, and AMEX®…At least the “unsecured” kind, and at least for now.
There’s nothing wrong with applying, and trying, but if you’ve been turned down, there are other ways to go.
4)Secret #4, revealed in an analogy:
Do you live in a small town? If you do, you might have a small-town pub. Does everybody know your name? Does the bartender know you, and know the drink you like? Do you go into your pub after work, and down a stiff one, after a long day of working in the coal mines? Maybe it isn’t payday yet. Do you think the bartender cares? Of course not! He wants you coming in so he can move his inventory of fine beers and spirits. He knows you. So, what does he do? Let’s say this is the 1800s, and there’s no such thing as “credit cards” amongst our meager coal-working small town clan. What does he do?
Right! He runs you a tab.
No interest rates, no worries, no big deal. He runs a tab. Why? Because he knows you’re good for it, and he’s moving inventory. He doesn’t care about the interest, because he’s making a profit off the sale of his beer. He knows where you live, and he knows you’ll pay him back in a few days when you come in for a drink after you get paid. It’s a virtual certainty.
Now YOU, the small-town beer drinking coal worker, you’re perfectly fine with this. The drink costs you the same whether you had cash now or later, and the bartender runs you a tab, in exchange for selling you more inventory. Everyone works together.
You scratch my back, and I’ll buy some more beer.
5)This concept of free “credit” provided to purchase inventory, is not a new concept.
As you can see, it’s been around for a long, long time. However, in modern times, it has tremendous application for folks with “poor” credit issues.
The secret is that you buy merchandise (On stuff you already need, or are already buying) almost exclusively from merchants willing to give you credit at low to no interest.
So, while you think you are in a tough position with credit issues, you actually turn it around, and allow it to become consumer buying power.
Only shop with merchants that scratch your back.
With me?
6)Now, where do you find these merchants?
Well, in the real brick and
mortar world, it’s not that hard.
You can start with department stores, gas cards, furniture outlets, electronics stores, jewelers, and a variety of other stores that you may do business with.
I can’t guarantee, of course, that they’ll approve you. But many of these merchants run their credit departments in-house, and like our bartender, they’re interested in moving inventory.
So, I wouldn’t take one “no” to mean that everyone will say “no”. Not true.
Many of the larger corporate chains do not offer low to no interest rates. But almost ALL of them offer huge discounts on initial purchases as incentives to get started.
As of the writing of this article, for example, JCPenney® and Target® both offer 10% discounts on “new accounts”. In addition, most of them do offer zero interest when balances are paid off each month, and some of them offer different plans to meet different customer’s credit situations.
Also, look to no-interest incentive specials that are going on for many larger-ticket items. Televisions, Furniture, etc.
You’ll also find many deferred-payment incentives that you can use to your advantage, or that you can utilize as a no-interest situation.
You just have to shop around. They are out there.
7)Now, what about cyber-space? Is there a place to take advantage of this back-scratching secret in Silicon? Actually, YES! There is. Check this out:
Many shopping portals online have realized the advantage of working with “poor” credit customers, and tailor-making a shopping experience that fits these specialized needs. We’ve listed several at our website, but of course, you can find them at any search-engine or at other reputable websites around the internet.
In a nutshell, the shopping website offers a membership card for making purchases on credit. You go to the online mall, make your purchases for things you would already buy anyway, and build or rebuild your credit score. The shopping portal helps you out by reporting your credit activity to the major credit reporting bureaus, which in turn, improves your credit history.
In addition, the membership benefits often times include such things as travel discounts, rental car discounts, and FREE credit reports.
They almost always advertise guaranteed credit lines of up to $7500, and incentives for joining can include free merchandise (such as a free DVD player), or a merchandise voucher.
Look for 30 day money-back guarantees, and look for no annual fees, and yes, look for “NO INTEREST” on the credit.
Most of these sites will require an upfront membership fee, but then they immediately turn around and provide a merchandise voucher. For example, one portal charges $150 for the upfront membership fee, but then immediately provides a voucher of $200 for merchandise at their site.
Because their customers generally have a history of poor credit, they do sometimes require an initial payment, or “down payment” on purchases until a relationship is established, but hey listen. So what? If you have credit issues, then you have to start rebuilding credit relationships somewhere. It sure beats Layaway!
What a creative way to solve this problem. Everybody wins.
You scratch my back, and I’ll buy some more beer!
Meanwhile, you’re moving closer and closer 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: http://loanresource.org , or email Tom at info@loanresource.org .
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
www.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 ... |
www.equifax.com |
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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 |
Features an assortment of helpful articles related to credit issues. |
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. |
www.annualcreditreport.com |
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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 ... |
www.credit.org |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
www.myfico.com |
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Credit Suisse Global |
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... |
www.moneysupermarket.com |
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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. |
www.fordcredit.com |
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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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