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Avoid Credit Card Debt Next Christmas
Why is this article about avoiding credit card debt next
Christmas and not this Christmas? Well, the chances are it is
too late this year and the little plastic demon has already made
an appearance, or it soon will...
Why do we do it? Every...
Debts Negotiations
If you're in a really bad situation, and you just can't even
make your minimum payments this month, don't worry. You can
negotiate your debts, and pay back much less than you owe - as
long as they get their debt plus interest in the end, no-one...
Decrease Daily Debt - Top 10 Ways
Home is where the debt is.
Debt reduction is about spending less money so you can pay off your current debts while not accumulating more debt. Car payments, Christmas shopping, and credit cards enable the amassing of debt rather quickly. When...
How To Get Your Your Money And Debt Under Control
REPRINT GUIDELINES
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You are free to publish the following article in its
entirety in your eZine or on your website. Our only
condition is that you MUST keep the information about...
Stop Debt Collectors
Can you stop debt collectors ? . . .You better know you can
You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home...
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Moving Debt Between Cards Can Save You Money
If you're like most people, you have plenty of credit cards, and you have stacks of offers for more. The credit card industry is so competitive that, whatever card you have, the chances are that somewhere out there is one that would be cheaper or better for you - and you can change as often as you want!
Take Up Teaser Offers.
To try and get customers, credit cards are still offering massive discount rates when you transfer balances over to them. These 'teaser' rates will only last for a set period (check the terms and conditions), but they can still save you a lot of money - especially if you switch to another card's teaser rate each time one ends.
Yes, this does mean applying for a new card relatively often - but if you do it online, you'll find it's quite painless. Is it really worth hundreds of dollars to save the trouble of applying for a new card?
Extend Your Offers.
You might not even need to move to another card to get a teaser offer for longer. If you phone and ask, many lenders will extend the preferential rate for longer, in an effort to get you to stick around.
Check the Small Print.
You might find that the 'low, low rate' only lasts a few months, and you might also find that it only applies to balance transfers, not new purchases. A common trap is for a card to allow you to transfer your balance of thousands at 0% APR, only to charge you 20% or more on anything new you buy with it. Of course, as soon as you ditch that card and move to the next, the new
purchases become a balance transfer again.
A more nasty thing you might find is that you're signing up to a minimum term to get the teaser offer - they won't let you transfer your balance away again for a year, or even more. Avoid these cards like the plague.
Keep Track of Time.
Your card issuer isn't going to go out of their way to alert you when your teaser rate is over. Make sure you keep track: make a mark on the calendar. Months can go by far more quickly than you'd think, and missing the end of the teaser period by even a day will mean that you'll end up paying interest at the normal rate.
Moving Around and Your Credit Rating.
Moving debt around between cards often affects your credit rating in an odd way. On the one hand, it shows that you could be an unprofitable customer - after all, you change cards before they can make a profit from you. On the other hand, it also shows that you're likely to take up offers that you're sent, and companies tend to believe that they have a great strategy to keep you with them where others have failed.
In other words, some companies will hate you for it, and some will love you. Bear in mind, though, that the longer you do it for, the fewer companies will want to send you their very best teaser rates.
About the author:
Find more great articles at http://militaryfinances.coma great online source for finance information.
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