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Choosing and Using a Credit Card Wisely
Credit drives our economy. Sure, there are still some cash-and-carry guys around, but most of us rely on credit and particularly credit cards. Shopping around for a credit card can save you money on interest and fees. You will want to find one with...
Credit Cards
When applying for a credit card it is always a good idea to know
your personal credit score, since this will affect your ability
to negotiate beneficial terms for your credit. If your credit
score is poor - e.g. due to unpaid bills, a habit of...
Maxing Out on the Minimum: Don’t Get Trapped Making Minimum Credit Card Payments
It’s an easy trap to fall into: you get that pre-approved credit card offer in the mail, most likely with an appealing introductory interest rate for the first six months. You feel like you deserve a little extra spending money, and the minimum...
So you want to get free airline tickets: Should you get a travel reward or cash back credit card?
Travel or Cash Back Credit Cards? If you want to use a reward credit card for getting free airline tickets, you have a choice of choosing a dedicated airline credit card, a travel reward credit card or a cash back credit card. A dedicated...
Student Credit Cards 101
Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that...
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Zero Percent Credit Cards
When searching for a 0 apr credit card, one with 0% annual
percentage rate (apr) for a trial period, one of the best ways
to find a good deal is to compare the credit card rate of
several sites. One way to find reliable sites is to start with a
bank credit card. Bank of America, Citibank, and many others
offer endless resources online for credit card comparisons. You
can find out annual fees, interest rates, balance transfer
rates, and interest-free periods for each card to get the best
credit card rate.
If you want to apply online for a 0 apr credit card, you will
find the convenience of Internet shopping a great benefit. No
need to wait for offers to arrive in the mail or to call various
lenders for their current terms and policies. All the
information you need is at your fingertips on the computer. The
bank credit card offers should be up to date with current
interest rates listed and all the policies and terms available
to read online.
With new safety features, a bank credit card website is usually
secure enough for your personal information that you must
include on an application. But always look for the little gold
lock symbol in the lower right hand corner of your computer
screen to be sure that a site is secure before you enter
anything on a form.
Applying online for the best credit card rate is great for
people who don't have a credit history or who haven't
established a good history. These people may not receive credit
card offers in the mail and need a place to look for good deals.
Also, you can compare
rates until you find that 0 apr credit
card you're looking for. This type of card is great for balance
transfers. You wind up with one payment instead of several each
month, and you get a grace period of anywhere from six to twelve
months during which you do not have to pay any interest on
either your transferred balances or your new purchases.
But beware. Many lenders offer a 0 apr credit card as an
incentive to get you signed up. Be sure to note when this trial
period ends; usually after the rate rises you're stuck paying
much higher interest than with most other cards. Remember that
you can find a credit card that has lower interest after your
trial period ends, so do not stop making notes about cards you
like just because you have found your no interest card. You will
need another one in less than a year usually.
Some no interest cards even come with cash back rewards. These
cards give you a percentage of your purchase amount back each
month. So you not only get no interest, but you earn points with
every dollar you spend that you can use toward purchasing name
brand merchandise, travel perks, and entertainment.
Overall, when looking for a 0 apr credit card or just trying to
find the best credit card rate with your credit history,
remember to keep trying until you find one that suits all your
needs.
About the author:
Thomas Ohlum is the owner of http://www.find-solid-credit.com a
website providing information about credit card offers and
finance aspects to consider when applying for a credit card.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - 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 ... |
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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 |
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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. |
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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. |
| 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! |
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| Compare credit cards | apply for a credit card | 0% balance ... |
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| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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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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