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Credit card basics
"Which bank's credit card do you have?", "what is its credit limit", "what type of card is it"...such questions are on everybody's lips today. The world seems to have been squeezed and wrapped into a credit card. Nowadays everybody speaks and grasps...
Debt Help - Debt Consolidation Loans Versus Credit Counseling
Debt consolidation loans are a do-it-yourself process, whereas
credit counseling helps you to make financial decisions. If you
already have a financial plan, then you probably don't need the
services of a credit counselor. However, if you have...
How To Check Your Credit Rating and Know Its Affect On You
Every time you take out any kind of loan or credit or pay something back, it gets counted on your credit rating score. This article will inform you about how your credit score is determined and what its impact is on your personal financial situation...
Paying for business purchases on a charge or credit card can assist in small business management
According to americanexpress.com,Most small business owners rely
in some type of business plastic to acquire business-related
goods and services and pay for the costs of doing business.
Review the benefits listed below to make sure you get the...
Research can help you avoid Bad Credit
Staying in contact with your creditors every month can help you
avoid bad credit. If you research the marketplace before coming
to a buying decision, you are well on your way to avoiding bad
credit and repairing credit hassles. You want to...
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Types of Credit Cards
Due to the very big amount of different options available, it
may be confusing for somebody to start shopping for a credit
card.
There are so many different types of card out there that I
thought it may be useful for someone to have a small explanation
on some of them, so I decided to write this brief article.
First thing to know is that, no matter what type of credit card
you may choose, there will be two main options: fixed interest
rate or variable interest rate.
While fixed-rate cards carry interests that remain the same no
matter what you buy with it, those interest rates are usually
very high, sometimes as high as 20 percent. In the other hand,
cards that have variable rates are known to be cheaper on the
long run; the rates (which are calculated according to a special
mathematical formula, which depends on the card's issuer) often
remain lower that those of fixed rates cards, and therefore
represent a more convenient choice.
If you are looking for lower rates on your credit card, you have
two options: ask your creditor for a smaller number or
go out
there shopping for a lower-rate credit card. With the huge
amount of different credit card issuers, the fierce competition
between them may be a determining factor for you to get a lower
rate on your card, so if you are used to your card, or if you
are comfortable with the acceptance and usability of it, you
should try asking your issuer for a more convenient rate.
However, if you feel that it may be easier to switch cards, then
shop for a new one, looking for the best deal you may find. Some
creditors are offering cards that carry interest rates as low as
8.5 percent. However, have in mind that sometimes lower rates
card's conditions may be harder to reach than others; but if you
have a good credit then you should give it a try.
So, have this in mind if you are looking for better rates,
whether you have a retail card, a bank card, a secured card or
any other.
About the author:
Tamara Williams is a writer for best credit cards
which is a site dedicated to providing consumers with financial
advise.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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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 ... |
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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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