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Bad Credit Car Loans Are Possible
Bad credit car loans carry a higher risk to the lender, so the borrower must pay a higher than usual interest rate. You probably will need to apply to more than one lender and give more documentation. Still, a bad credit loan is worth the...
Correct Credit Card Use
Having a credit card has become the norm in today's society. If you have a flippant attitude and don't use your credit card in the correct manner then you could unwittingly become deep in debt without realizing it or the implications. Looking at...
Credit Card Debt Reduction - 3 Tips To Lowering Credit Card Debt
Credit card debt can be reduced through lower rates or
negotiating for reduced balances. With reduced interest, you can
pay off the principal quicker with the same monthly payment. The
other approach is debt settlement, which eliminates part of...
Everything You Always Wanted To Know About Your Credit Report
Your credit report is a very powerful report that essential controls what you can and cannot do in your life. Unfortunately many people aren’t aware of what a credit report actually is and what information is contained on the report. This article...
How Your Personal Credit Affects Your Chances of Getting a Business Loan
Your business idea first begins with a dream, and then extends to a passion. The passion to do what you love leads you to need financial assistance. Having the means to expand on your passion will bring hope to your livelihood. Does your personal...
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What's The Best Credit Card For Me?
So, you have decided you need a credit card. However, you must
remember that not all credit cards are created equally. Your
friend's credit card doesn't mean that it is also the best for
you. Before going to this bank and get its credit card, you must
consider the several factors that you should take into
consideration when deciding which credit card you want to get.
Some of those factors include:
- Interest rate. When you are the type of person that pays off
your balance monthly, you would probably disregard the interest
rate. Unfortunately, most people are having problems keeping
with their credit card balance. Most people do carry a balance
in their credit cards. If you sometimes late paying and carrying
a balance, then it would be the best decision to have a credit
card with a low interest rate. Having a card with a low interest
rate save you a lot of money. You might disregard the difference
between a 10 percent and 20 percent interest rate, but the
difference could be significant if you have balances for a long
period of time. Major credit card companies like Visa,
MasterCard, Discover, and AMEX, have low interest versions of
their credit card.
- Reward programs. Visa, MasterCard, Discover, or American
Express and other major credit card
companies have reward
programs. Reward programs give you special privileges or
services for being a credit card holder. Some of these programs
include frequent flyer programs, where you are given one
frequent flyer mile for each dollar spent. If you are quite a
traveler, then a credit card with this program might be for you.
Some offer cash-back options. Most common are discount offerings
at retail stores or online chains.
- Annual fees. The annual fee is an important consideration,
especially those who have a hard time paying off their balances
monthly. If you think that the annual fee you have to pay to
keep your card is way too high compared with the privileges you
get from your card, it would be probably better to stop using
the card.
- Member benefits. Credit cards promise various benefits. Some
have travel protection as part of the benefits, while others
offer roadside assistance. You have to consider your lifestyle
in checking out a card's benefits.
Remember: On choosing credit cards, choose wisely. If you need
to, discuss your specific financial needs with your financial
advisor.
About the author:
More information about credit and credit cards is available at
stooze online
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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 |
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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. |
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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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