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0% APR Credit Cards: How Can They Do That?
During the days when the federal bank interest rates were at its
lowest, back in 2002 and 2003 to be specific, countless credit
card providers offered 0% APR credit cards to many consumers.
Needing only to pay the outstanding balance, smart...
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SHAPING YOUR APPLICATION TO FIT THE RIGHT PEOPLE Creditors approve credit to those people who most closely match the right profile. They arrive at those conclusions by assigning point values to various items of information that are included either...
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If you are like lots of people these days, you are thinking of shopping for a new home or new vehicle. Why? Because interest rates are still the lowest they have been in 40 years, and now is a better time than any to get financing. I just bought an...
Low Apr Credit Cards
Many credit card companies use the term low APR to promote their credit card offers. But how do you know if the card you are applying for is really a low APR credit card ? To determine whether this is accurate or not, you're going to have to look...
The Credit Card Disease
The little disease that comes with those credit cards. Oh yes, we all get it in the mail, all those offers to get a credit card. So tempting 0% financing for a year, no payment for 3 months, $10,000 credit line, and the most dangerous, YOU ARE...
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The advantages of consumer credit counseling
Many individuals have been helped by consumer credit counseling to take control of their finances and to eliminate debt. Consumer credit counseling can work for you by teaching money management skills which can help you throughout your lifetime.
Consumer credit counseling can help you better understand your credit situation. It can help you understand the costs associated with misusing a credit card and make you a more informed consumer.
Consumer credit counseling is especially useful for people suffering from huge debt burdens. They can benefit from consumer credit counseling as it can help them find a way out of their present financial crisis. If you have a weak credit history and low credit ratings, consumer credit counseling can show you ways to repair your credit.
By making an appointment with a credit counseling agent, you can get all of these advantages and find out what more the agent can do for you.
Many debt management companies provide consumer credit counseling agents to advise and help individuals find a way out of debt. Debt management agencies help you reduce and consolidate your loans by negotiating with your creditors. Their credit counselors are the ones that teach their clients better ways of avoiding debt in the future and to find ways to saving money to pay back their current debts.
When selecting a debt management company, be sure that they have qualified credit counseling
personnel.
Their teams of expert and experienced credit counselors, who have wide knowledge in the finance field, can help the layperson better understand their credit situation and how to improve their financial standing.
The consumer credit counseling agent will first understand the situation you are in. Then they will formulate ways in which you can save more money, become debt free and start on your way towards financial freedom.
These are just some of the things consumer credit counseling services can do for you:
- They can teach you how to better manage your household expenses.
- They can help you deal with harassing collectors.
- They can teach you understand relevant financial issues surrounding your credit.
- They can advise you on how to reduce your debt burden.
- They can help you avoid situations where you may have to declare bankruptcy.
The counselors can work with you to create financial plans such as a savings and budget plan, and help you find ways to sticking to them. Comprehensive plans can lead you to better manage your cash inflows and outflows.
Taking some time for consumer credit counseling can help you get rid of your debt problems and start you on your way to a secure financial future.
About the Author
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
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