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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety. How to keep your spirits bright and your wallet full during the holiday season and others. Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life...
First Credit Card Hazards
It seems like every time I check my mail there is at least one or two pre-approved credit card applications. I’m sure you get them, too. The thing is, you can have terrible credit and still they flood in. Beware if you just filed bankruptcy because...
Home Equity Credit Lines Provide Quick Access To Cash In Times Of Need.
If you need to borrow money, Home Equity Credit Lines can be one of the options available to you. This Line of Credit Home Equity is a loan granted to the borrower with his home as collateral. Home Equity per say is the difference between the worth...
THE BEST CREDIT CARD REWARD: FOR THOSE WHO HAD BEEN NAUGHTY AND NICE
Think about it. If people would normally pay all their credit
card balances in time, then what is the purpose of interest
rates?
None.
And how will people get the benefits that their credit card
company claims? It is through the credit...
The Credit Card Offer
One day I got a call from my credit card company asking me if I would like to increase my credit limit by borrowing up to $9000 at their special rate of 15.9%. The operator stated, "Your credit card rate will then be a low 15.9%. How much would you...
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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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| News and resource directory about credit unions. |
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