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5 Tips for Savvy Use of Your Home Equity Line of Credit
Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary...
Bad credit Personal loans: breaking barriers encompassing bad credit.
In the phrase bad credit, what is important is - 'credit'. If
you get that part then bad credit will no longer pose as a
liability. Bad credit is conceived by people as something that
will prevent them from getting loans. This might have been...
Establish Or Rebuild Your Credit With Secured Credit Card
We all know how important good credit is in our lives. Today,
credit is no longer a luxury but a necessity. Credit makes it
possible for us to buy needed items, without paying for them at
the time of the purchase. Without a good credit rating, it...
How to Find the Right Credit Card for You
Credit cards are a great way to manage your spending and to buy the things you want, without having to wait. But it's important to find the right card so that it works for you.
There are a number of things to consider when looking for the right...
Improve Your Credit Rating Yourself - Tips How To Do It
A credit score is a rating system creditors use to help determine whether to give you credit, and how much to charge you for it. If you have ever applied for a credit card, loan, or insurance, then there is a file about you known as your credit...
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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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