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A Street Urchin's no cash, no credit, Business Plan
The true story of a Street Urchin who made a fortune from nothing. (c) Harry S Richards As kids in a poor part of town, we collected all kinds of junk to sift through and hopefully resell. Sometimes we were lucky, but mostly we were told to "get...
Credit Report and Credit Scores
The information on your credit report can greatly affect the interest rate and your ability to obtain a loan. So it’s very important to check your credit report early, even if you are not quite ready to buy a house just yet. There are 3 major...
How to Find the Best Credit Cards
Finding the best credit cards in today's world can be a bit challenging. Although you may receive hundreds of credit card applications in your mailbox each year, not all of them are worth your time and energy. To find the best credit cards, you...
The Easy Payday Loan - Why Payday Loans Are Easier To Get Than Credit Cards Or Personal Loans
Payday loans are easier to get than credit cards or personal
loans since there is no credit check involved. And because
payday loans are meant for a short period, usually 30 days or
less, payday companies don't require an extensive...
What's Your Credit Score, And What Does It Mean?
You've seen the commercial on television, no doubt. A potential buyer has just discovered that his credit score is 619. Now the number literally haunts him as he sees it on a man's jersey, on the side of a bus, just about everywhere!
For those who...
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Tips for Credit card surfers
Moving money from credit card to credit card to take advantage of interest free balance transfers and effectively borrowing money for free. It's even possible to make money by borrowing money, transferring the debt to an interest free card and investing the cash in a high interest savings account until the interest free period expires.
However, if you plan on being a serial card surfer, there are a number of things you need to do.
Firstly. Make sure you read the terms and conditions of the card to which you're transferring your balance and are aware of exactly what you're signing up for. Some cards, for example insist that you spend a certain amount per month on the card in order to qualify for the interest free balance transfer.
Secondly. Never, never, never spend any money on the card to which you transfer a balance.
This is because, your monthly payment is always put towards paying off the transferred balance. This means that you will pay interest on everything you spend, even if you pay off as much as you spend every month.
Finally, make sure you know and write down the date that the balance transfer period ends. Better still, set an alarm on your mobile phone or PDA for seven working days before the expiry date. That will give you enough time to pay off the balance before the interest free period ends.
Follow these simple guidelines and you can surf from credit card to credit card and never pay any interest on transferred balances.
About the Author
Robert Armstrong is a contributor to Consumer IQ – a site dedicated to publishing the UK's best High Street and online deals.
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