|
|
|
Tips Booklets - Choosing Your Best Topic
There are TONS of things you find interesting in your life. You could write an informational tips booklet about any one of them to help other people learn what you know, and make some money from the booklets in the process. Where is the place for...
TOP 10 SMART NETWORKING TIPS
Smart networking is critical to career success. Master it, and you master your destiny. The following tips will help you become a pro: 1. If unemployed, print your own business cards to use at networking events. Include your contact information...
Top 10 tips to save money on your car insurance
So, your car insurance is up for renewal…but the premium has gone up again! Shouldn’t it be going down! If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can...
Top 3 Kitesurfing Relaunch Tips
Because it happens some times to have to relaunch the kite here
are three methods to relaunch it.
Water relaunching Low Aspect Ratio inflatable kites You can
relaunch an inflatable kite by getting it to a vertical crescent
moon position,...
Web Coach Tip: Top 10 New Years Resolutions for Your Website
Copyright 2005 Donna Payne
January -- time for serious housekeeping and a website annual
health checkup! As we make resolutions for ourselves, we can't
leave our website un-healthy a minute longer! You may not even
realize your site is...
|
|
| |
|
|
|
|
|
|
Top Ten Tips For Getting The Right Credit Card
Dodging through the Maze and Getting The Best Deal Going
Purchasing any financial product can be a difficult matter. The marketplace is one fraught with complications and offers are thrown your way from all directions. Sometimes it can all seem overwhelming. Who do you buy from? Who do you believe? What is the right deal for YOU?
To simplify matters, and make it easier for you to get the best deal possible, we’ve compiled our top ten tips for getting the right credit card.
1) The first and most important thing to understand before you consider any financial product, particularly a credit card, is this: You must have income sufficient to pay your current bills and overheads PLUS at the very least your credit card minimums payment each and every month. Ideally you should aim to pay back as much of your balance as possible month on month. Ensure that you do, and the ball’s rolling…
2) Consider just how much you can afford to borrow. Credit card companies operate by pumping up your credit limit until it reaches the stage where you’re so ensnared by the lure of cheap finance that you have followed the balance right up to the top. When this happens consumers can only pay back the minimum balance – around 2.5 per cent of the overall balance – each month. Given the high interest rates involved, this can mean paying back as little as just one of a percent off the balance each month. It doesn’t take a math genius to figure out the problems that this can cause. Operate a maximum balance rule and abide by it. If you’re unsure of whether you’re disciplined enough to follow it, get the credit card company to lower you limit accordingly. If you’re sure that you can afford a credit card in the first place, and follow no other rule – then follow this one!
3) Boost your credit rating as much as possible before actually applying for a credit card. The better your credit rating, the lower your interest repayments and the less money that will end up in the hands of the lender. You can do this in a variety of easy ways in the months before you apply for your credit card. Paying your bills in a timely manner; closing unused retail store cards, credit cards and old bank accounts with overdraft facilities all help. Likewise if you have maintained a healthy and long-standing arrangement with a bank or other lender. Don’t apply for a stack of credit cards, loans and so on, unless you’re absolutely sure it’s the right product for you. It goes without saying that you should never apply for a credit line unless you use it.
4) If you have or have had credit rating problems, it’s definitely worth applying to a credit reference agency, like Experian, and checking it out. As with all companies errors unfortunately happen all the time. Erroneous reports of missed payments, referrals to debt collectors and even bankruptcies can scupper your chances of getting a low rate of interest and even a credit card altogether. It’s vital that you get rid of black marks on your credit rating. Query everything and haggle with credit reference
agencies so that only the information that is listed on your credit history that should be there, is there.
5) Transferring the balance of your credit card to another one is a way of paying off your existing debt at a cheaper rate. In many cases this can be set at 0 per cent for a period of a number of months, before reverting to a higher rate. By switching to such a card – and then another at the end of the interest free term, and maybe even another after that – it gives you a clear run at reducing your debt, without it spiraling ever further upwards. Even if you’re still only paying 2.5 per cent off the balance a month, far better to do that than knocking off one half of a per cent, or less.
6) If you have no debt obligations, are patient and diligent, and want to get one over the credit companies while making a tidy profit yourself, keep reading. Scan the market for credit cards offering ‘Super Balance Transfers’ – where you can transfer money into your bank account at 0% for a fixed time – and take one out. Max it out and transfer it into a high interest bank account. Don’t touch it. Now, ensure you make the minimum payment each month and pay the balance off at the end with the money you’ve banked. When all that’s done, you should be pleasantly surprised with the nest egg of interest left over in your savings account.
7) If a bad credit card is all that’s available to you, it is best that you use it as little as possible and pay off the balance in full at the end of every month. Don’t use it for big purchases as interest is likely to be high. By proving that you are a responsible lender with a high interest credit card, your credit rating will go up and cards with lower APRs will be made available to you in the fullness of time.
8) Consumers who spend on a card, but don’t clear the debt each month should focus on minimizing the interest cost. Search the market for the lowest purchase rate available, but also keep in mind the day when you’ll clear the balance in full (e.g. bonus time; when your bonds mature, etc.) and don’t let the balance spiral beyond your means.
9) If you pay off your balance in full each month then the interest rate is irrelevant. Focus instead on the gains available from using the card for spending. The key to this is the reward scheme offered. Many credit cards offer points schemes or even cash-back. There’s a huge array of different schemes, but by picking the right one you can benefit substantially. It’s often simpler just to go for a Cashback card, where the benefits are more apparent, but sometimes reward schemes offer great inducements – particularly when they offer double points to new customers, and so on.
10) The minute you think you might have a credit card debt problem, do something to redress it. Help and advice is always at hand and things are usually less bad than they first seem.
Ethan Hunter is the author of many credit related articles. If you are looking for help with Home Loans or any type of credit issue please visit us at http://www.creditcardunlimited.com
|
|
|
|
|
| TIPS - Timely Information Provider Services |
| We provide tips and information in the following areas: tips.gif (1156 bytes) tips you can use:. Computers and Software tips. Politically Incorrect tips ... |
| www.toptips.com |
|
| U. S. National Debt Clock |
| Real time display of the US National Debt and current Fiscal Spending. |
| www.toptips.com |
|
| Top Tips |
| Top Tips is a collection of tips developed from ExtremeTech members. |
| www.extremetech.com |
|
| Fishtank Humour - Article Tank - VIZ Top Tips |
| VIZ Top Tips Article has been viewed 42626 times and mailed 114 times 823 users have rated this article on average 8.0. Rate this article . ... |
| fishtank.org.uk |
|
| Top Ten Tips for Success at University |
| Top Ten Tips for Success at University. Location, location, location... Serious about getting work done? Find a good location. ... |
| www.sdc.uwo.ca |
|
| Andy Budd::Blogography: Top Tips For Freelancers |
| Top Tips For Freelancers | May 19, 2005. If you’re a regular reader of this site you’ll ... Comments on: Top Tips For Freelancers. Jump to the comment form ... |
| www.andybudd.com |
|
| First-time Home Buyers - Tips for First-Time Home Buyers - How to ... |
| Buying a home for the first time can be overwhelming for many first-time homebuyers because few know where or how to begin the search. |
| homebuying.about.com |
|
| Top tips for Outlook - Outlook - Microsoft Office Online |
| Printer-Friendly Version Printer-Friendly Version. Top tips for Outlook. Applies to: Microsoft Office Outlook 2003 · Show All Show All · Hide All Hide All ... |
| office.microsoft.com |
|
| Top Tips |
| Top Tips, Help and Advice. ... Welcome to the Top Tips. If this is your first visit, be sure to check out the FAQ by clicking the link above. ... |
| www.toptips.co.uk |
|
| Top Tips - Read Personal Finance and Savings Info at CNNMoney |
| Send emails to toptips@cnn.com -- each week we'll answer your questions on CNN, ... Get Top Tips from Gerri Willis for saving and spending smarter -- every ... |
| money.cnn.com |
|
| Givingupsmoking :: Top tips |
| NHS Logo. Arrow HOW TO GIVE UP Arrow Top tips. Top tips. During the first few weeks of being a non-smoker, you're likely to experience cravings at different ... |
| www.givingupsmoking.co.uk |
|
| TeleCulture's top tips |
| TeleCulture's top tips. comments and info on cultural events, tech art, digital aesthetics, etc... Sunday, September 03, 2006. the first documenta ... |
| www.teleculture.com |
|
| Top Tips for Camera Phone Pictures |
| Top 10 Tips for Taking Great Pictures, Top Tips for Camera Phone Pictures. |
| www.kodak.com |
|
| indg405 - Top tips for ladder and stepladder safety |
| File Format: PDF/Adobe Acrobat - View as HTML |
| Your browser may not have a PDF reader available. Google recommends visiting our text version of this document. |
|
| Primary ICT: Whiteboard Top Tips | Teachers' TV |
| Overcoming whiteboard phobia is the underlying message of this programme, as expert Simon Botten takes us through his top tips for novice whiteboard users. ... |
| www.teachers.tv |
|
| Friends of the Earth: Campaigns: Waste: News: 50+ top tips for ... |
| The Doorstep recycling bill aka Municipal Waste Recycling Bill moved one step closer to becoming law when it cleared the vital second reading stage. |
| www.foe.co.uk |
|
| Talking Teaching: Top tips |
| Articles on best practice issues · Hot topics · Reports from Teaching Awards Trust regional workshops · Top tips from teachers ... |
| www.talkingteaching.co.uk |
|
| PR Top Tips from LEWIS |
| www.lewispr.com/toptips/ - 2k - Cached - Similar pages |
|
|
| PC World - Top Tips for PC Hygiene |
| PCs, like furniture, collect dust and grime--but unlike a chair or desk, your computer can malfunction if not cleaned periodically. Here's how. |
| yahoo.pcworld.com |
|
| Top Tips - Consumer Advice - Institute of Plumbing and Heating ... |
| Good plumbing systems and public health go hand in hand. This section gives brief details on conditions, diseases and water-borne bacteria/parasites that ... |
| www.iphe.org.uk |
|
|