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Best Credit Cards
Choosing the best credit cards to meet your personal credit needs is an important step to take. Credit cards are the best for short-term credit borrowing, and if you choose the best credit cards wisely, you won't be struggling with unmanageable...
Prepaid Credit Cards
If you have a history of bad credit and are unable to obtain a
mainstream credit card, then prepaid credit cards may be just
the answer you are looking for.
First of all, although prepaid credit cards are accepted at any
retail outlet where...
Questions to Ask a Credit Counseling Service about Debt Relief
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class...
REAP MORE, SAVE MORE WITH THE BEST UK CREDIT CARD
In the United Kingdom, the credit card phenomenon is not at all
different from what the United States or any other country has
for that matter. This just goes to show that a lot of people are
finding credit cards as feasible means as well.
...
The Top 5 Secrets to Managing Your Credit Cards—So They Won’t Manage You
You’ve probably never heard of Frank X. McNamara, but he revolutionized the way you shop on a daily basis. One evening in 1949, McNamara—head of the Hamilton Credit Corporation in New York City—was dining out with two business associates. Their...
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The Bad Credit Card That May Do Good
Millions of people use credit cards all around the world. A huge
chunk of those users made mistakes when dealing with their
credit cards. The consequence of the errors is costly.
A lot end up in debt and most of the time these are the people
who rant about the credit card being the devil. But fact of the
matter is, this is not the case. When used properly, credit
cards are very good financial tools.
Credit cards are not necessarily just for people who have large
sums of money to use. There are some cards even for the
financially challenged, and these are called the: "Bad Credit
Cards."
A bad credit card is just precisely that: a card with a very bad
or low credit limit.
There are two types of credit cards: there is the secured and
the unsecured credit cards.
Unsecured credit cards are the accounts that are free from the
limits of a bank account. The limit of credit is up to the
bank's discretion and not up to the size of the bank account. If
the bank thinks that a person is deserving of a bigger credit,
then it will be given.
This is the usual type of credit cards in the market and is
fairly popular among the card shopping people. These are also
the cards known to be more respected by other companies. These
are also
the cards known to send people to a very deep debt.
This is the type of credit card that should be avoided if the
applicant is already in a financial mess.
The secured credit cards are the bad credit cards. These cards
are grounded on the size of the account a person has. For
example, if a person has a $1,000 balance, then that is all the
credit a person is going to get. If there is a point where the
balance reaches $0, then the person should go and "re-fill" the
account.
The bank limits the credit to the money already present to avoid
overspending, thus preventing even deeper debt. This will
monitor the expenses of the person and will help the development
of a financial recovery for some.
These credit cards are also known as "pre-paid credit cards" for
there is only a fixed amount that can be used and the holder is
the one who puts it there.
About the author:
Author: Michael Colucci
For a list of 0% APR Credit Cards available today please visit
0% Credit Cards
or www.aplus-credit-cards.com
(You are granted the right to reprint this article but the
title and content must remain unchanged and the authors name and
contact information must be included.)
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