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Finance Your Car With Poor Credit
Cars don't look at your credit before they decide to breakdown.
Anyone, with poor credit or great credit, could find themselves
in a situation where they need an auto loan. Fortunately, those
with poor credit do have options available for...
Looking for that low interest credit card
If you have been shopping around for a Low Interest Credit Card you will notice that the UK market is awash with Credit Card companies offering low rates to entice you to apply for their Cards. There has never been a better time to consolidate your...
Low Interest vs. Cash Back: Credit Card Questions Answered
Ahh, credit cards. All those offers, tons of fine print... what does it all mean? Whether you're applying for your first credit card or are a long-time cardholder investigating alternate options, it's wise to get the facts before moving ahead with a...
Understand credit report’s relevance in mortgage
One might be wondering why some lenders turn down a mortgage application while some others might consider it fit for approval. The answer may well lie in the credit report and the credit score to be precise which plays a crucial role in loan...
What is a Credit Card?
A credit card allows you to buy things even though you might not have the money to pay for it right away. The company that gave you the card lets you spend up to an agreed sum and then makes additional money available to you as you pay off what...
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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 - Wikipedia, the free encyclopedia |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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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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