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First Impressions-Make Them Count
When is the first time that you give any idea of who you are and what you really do for your potential clients, customers and prospects?
Article Title: FIRST IMPRESSIONS-Make Them Count
Author Name: Joanne Victoria
Contact E-mail...
'Free' and 'Low Cost' PC Offers – The Catch
You've probably seen the ads for "low cost" PC's - "PC's for $199" - or even "free" computers. If you're in the market for a personal computer, you should know "free" doesn't always mean free. Very often, certain conditions and restrictions found in...
How To Kick Start Your Business And Double Your Profits
This will make some people angry as hell, but it's time to debunk the myth of 'Time Management' while sharing the real secret of the super successful.
Let's face it, many so called "business gurus" tell us to 'manage time better' or to become...
Investigate before You Invest
In today’s complex financial world, there are many investment opportunities. Potential investors find themselves solicited by telephone calls, mailings, and even through their computer information systems. Some investment opportunities hold great...
Marketing For The Self-Employed
Marketing is the key to any business' success. If you don't have any clients, then you don't have a business. But before you go out looking for clients, you will need two things. The first is a business card. This is probably the most important...
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Making Sense of Credit Card Fees
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most common fees are listed below. To get a better idea of what your credit card may cost to use over the course of a year, check your card's terms and conditions and your user agreement to see which fees may apply to you.
Annual fee: An annual fee is charged for the privilege of having the card, whether you ever use it or not. Many credit cards offer no annual fee and a low interest rate to their best customers, or to those with excellent credit. If you're trying to recover from a bout with bad credit, your only choice may be a card with a relatively high annual fee. In that case, look for one with the lowest APR you can get, and be careful to avoid triggering other fees. Cash advance fee: When you use your credit card to get a cash advance, there is often a cash advance fee. It may be a flat fee per cash advance (say $5, no matter how much cash you borrow), or a percentage of the amount advanced - 5%. This fee is in addition to interest that you will pay on the amount. Balance-transfer fee Usually, when you transfer the balance of one card to another, the credit card company will charge you a balance transfer fee. Like the cash advance fee, it may be a flat rate, or a percentage of the amount of the transfer. Late-payment fee If your payment is not received and posted by your credit card
company after the due date, you will be charged a late payment fee. The late payment fee will be added to your credit card balance. In many cases, if you are late with a payment more than once, or a certain number of times within a specified period, your interest rate will also rise in addition to the late payment fee. Over-the-credit-limit fee: If you go over your credit limit on your credit card, you will often be charged a flat fee in penalty. Credit-limit-increase fee: You usually must pay a credit limit increase fee if you request that your credit limit be raised. Set-up fee: When you open a new credit card account, the credit card company may charge a one-time setup fee which may be anything from $19 to $149. Return-item fee: This is essentially a bounced check fee. If you make a payment on your account by check, and the check is returned by your bank for non-sufficient funds, the credit card company may charge you a returned-check fee. Other fees: Depending on the credit card company, and the card offered, you may be liable for other fees, including fees for making payments by phone, for checking your account online, for establishing an online bill paying service or for providing other customer service. Be sure to read your credit card's terms and conditions to see what charges and fees you're liable for paying.
About the Author
Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/
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