 Category :: Finance Articles |
Author :: Beth Pardue  |
| |
| Article Title :: Visa Credit Cards |
| |
|
These days, major credit card brands, especially MasterCard and
Visa credit cards have become more than a necessity, making
living without one very inconvenient. These credit cards are not
only accepted almost everywhere in the U.S. but are even
required to purchase goods and services, especially travel. As a
result not having Visa credit cards makes it nearly impossible
to book a plane, hotel or rental car.
Living in the society of "credit," it is possible for you to
make a purchase of goods or services with the understanding that
you will pay for them later under the assumption you will pay
your credit card bills on time. In essence, a credit card is a
proof that someone has gi (read full article) |
| |
 |  |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Secured vs. Unsecured Credit Cards - What's The Difference? |
| |
|
Many consumers have a bit of confusion when it comes to
distinguishing a secured credit card from an unsecured credit
card. They both carry a brand logo from one of the major credit
card companies and they both can be used anywhere that major
credit cards are accepted. It is the behind the scene financial
activity that determines the difference between a secured and an
unsecured credit card.
A secured credit card is a guaranteed VISA or MasterCard that
has been secured by a deposit to the issuer's bank. Generally,
you must deposit an amount, ranging from $300 to $5000, in a
low-interest saving account or CD to secure the credit card.
You then receive a credit line for up (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: My Credit Report |
| |
|
"What kind of information is on my credit report -and how can I
see it?" is a common question among people who have had trouble
securing credit or loans. Basically, your personal credit report
is an electronic record of all of your credit activity including
recent requests for credit that you have applied for and the
payment activity on any open or closed credit or loans you may
have. This history is vitally important because lenders use your
credit report to determine if they are willing to extend loans
or credit to you.
There are four main areas of content on your credit
report: Identifying information, credit history, public
records, and credit inquiries. Additionally, a credi (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Low Interest Rate Credit Cards |
| |
|
There are many credit card offers that advertise a low interest
rate but not all of them are necessarily as good of a deal that
they want you to believe. You will have to read the fine print
to determine the legitimacy of the credit card offer. Here is
some basic interest rate information to help you determine if
those "low
interest rate credit cards" are really a "high interest
credit trap."
For a reliable listing of low interest rate credit card offers
visit www.amex-visa-mastercard.c
om
Finding the True Low Interest Rate Credit Cards
Be aware
that interest rates are variable. Credit card rates are set by
adding a spread, or margin, to a base rate. Your base rate is
oft (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Low Interest Credit Cards |
| |
|
Just about every credit card ad you read touts its wares as
"low interest credit cards." To determine whether this is
accurate or not, you're going to have to look past the headline
and into the fine print for the details. Here is some basic
interest rate information to help you determine if that "low
interest credit cards" are really "high interest credit traps."
How To Find Low Interest Credit Cards
Be aware that
Interest rates are variable. Credit card rates are set by adding
a spread, or margin, to a base rate. Your base rate is often a
widely used index rate, which is almost always a rate that
changes periodically, without warning and for no reason.
The spread tha (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Low Apr Credit Cards |
| |
|
Many credit card companies use the term low APR to promote
their credit card offers. But how do you know if the card you
are applying for is really a low APR credit
card? To determine whether this is accurate or not, you're
going to have to look at the fine print of these claims.
Of course there are a lot of reputable and honest credit card
offers available as well. We recommend www.easy-approval-cr
edit-cards.com as an excellent source for dependable credit
card offers.
Here is some basic interest rate information to help you
determine if those "low APR rate credit cards" are really "high
interest rate credit rip-offs."
Keep in mind that interest rates are variab (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Identity Theft Prevention |
| |
|
The most important step that you can take for identity theft
prevention is to order a new copy of your credit reports at
least once a year to prevent being caught by surprise charges
and accounts. You can request a free copy of
your credit report from one of the many reputable credit
companies available online or you can pay for a copy by
requesting it directly through one of the major credit bureaus.
If you would like to check your credit report free of charge,
visit www.credit-repor
t-credit-score.com The sooner identity theft is caught, the
sooner the damage that has been done to your credit can be
repaired.
Other things you can do for identity theft prevention include (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Walter Silcox |
| |
| Article Title :: Beware of Credit Repair! |
| |
|
We've all seen them. "Send me 99.95 and I'll fix your credit and
you can get a one million dollar credit card tomorrow." Ok so I
am being a little dramatic. This article is to give you some
insight into repairing your credit. It is not meant in any way
to be legal advice. We will discuss several things in this
article such as how credit works, paying or settling debts,
credit repair companies, and establishing new credit. Before we
begin I want to share a few things. I was a collector for almost
10 years until bad health forced me to leave the profession. I
have also had my credit messed up by a bankruptcy after my son
was hit by a car and had over ½ million dollars in medical
bills. Yet w (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Credit Reports |
| |
|
Credit reports are, quite simply, electronic records of your
credit activities. These activities can range from borrowing
money to buy a car to applying for a loan or credit card or
missing payments on loans you have taken. The report is
generated so that potential lenders can see how you use credit
and how much of it you have available.
According to Trans Union, one of the major credit bureaus,
there are four major areas of content in credit
reports: 1.) Identifying information, including your name,
phone number, address, Social Security number and date of birth;
2.) Credit history, including payment history, including any
late payments, to banks, credit card companies, retailer (read full article) |
| |
| |
| |
| Category :: Finance Articles |
Author :: Beth Pardue |
| |
| Article Title :: Credit Reporting Agencies |
| |
|
Credit reporting agencies maintain electronic records of your
credit activities. Today, there are three major national credit
bureaus: Equifax, Experian and Trans Union. If you are planning
on applying for a loan or credit anytime in the near future,
it's a good idea to obtain a copy of your credit report.
For a fee, you can request a copy of your credit report at
anytime by contacting one or more of the major credit agencies.
Or you can receive a free copy of your credit report through one
of the many credit companies available on the Internet. Our
favorite source of information on credit reporting agencies on
the Web is www.credit-repor
t-credit-score.com
The Fair Credi (read full article) |
| |
| |
| |
| |
| Prev 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 [252] 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 Next |
Article Categories
