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Bad Credit is EVIL
Bad credit is one of the worst financial situations to be in. A
bad credit can affect you in a lot of ways. With a bad credit
you can have difficulty getting a loan. Anything like poor
financial skills or bankruptcy can lead to bad credit....
How Does a Creditor Determine Whether to Grant You Credit?
Credit 101
How does a creditor determine whether to grant you credit? For many years, creditors have been using credit scores and credit scoring systems to determine if you'd be a good risk for a loan or credit card. More recently, credit scores...
How To Get The Best Rates On Your Current Credit Cards
How to Get the Best Rates on Your Current Credit Cards
So you've got a few credit cards, and you're quite happy with them overall. Still, wouldn't it be nice to save a little money on interest? It all adds up over time, and more quickly than...
Make a deal with your creditors
Are you unable to pay your bills? Pick up your phone and call your creditors; you will be surprised at the goodwill most creditors and collectors give the persons who bothers to pick up the phone and make an agreement. You should not loose your...
What Does My Credit Score Mean?
Lenders are using credit scores more and more to make decisions about who they will lend to. The main developer of these scores is called Fair, Isaac Co (FICO), thus these scores are often called FICO scores. Scores range from 300-850 with a lower...
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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 |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
www.credit.com |
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Equifax Personal Solutions: Credit Reports, Credit Scores ... |
National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
www.equifax.com |
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The FTC's web site on Credit |
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
www.ftc.gov |
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Federal Trade Commission - Consumer Credit Center |
Features an assortment of helpful articles related to credit issues. |
www.ftc.gov |
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AnnualCreditReport |
Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
www.annualcreditreport.com |
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Springboard - Non-Profit Consumer Credit Management |
Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
www.credit.org |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
www.myfico.com |
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Credit Suisse Global |
Credit Suisse Group is an international financial services group. - Shares part of SMI. |
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Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
www.experian.com |
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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 ... |
FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
www.freecreditreport.com |
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Compare credit cards | apply for a credit card | 0% balance ... |
Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
www.moneysupermarket.com |
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Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
www.fordcredit.com |
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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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