Negotiating credit card debt–how can you do it? Do credit card companies really negotiate with cardholders? Can you actually lower your debt by haggling with a credit card company? Negotiating Credit Card Debt: Introduction Many people get into more debt than they can handle using their credit cards. For some, it may be the temptation […]
10 Things To Look For When Applying for Credit Cards
What credit card should you get? So you want a credit card, huh? Well that is great. But a person applying for a new credit card often wonders which credit card they should get (or apply to get). There are several things you want to look for when applying. Here is a top 10 list […]
Which Certificate of Deposit (CD) Length Is Best?
CD Lengths–Which are best? If you plan on investing in a Certificate of Deposit, then one of the most important decision you will face is which cd length term you want. While the CD length may not seem like an important decision, it can have a big impact on your interest earnings. CD Lengths: Why […]
CD Renewal Terms: What are Certificate of Deposit Renewal Terms?
CD Renewal Terms: Introduction CDs offer a great way for investors to save money for their futures. CDs give investors a great deal of freedom to choose the rates and terms of their investments. Investors may choose to withdraw their money at maturity or reinvest the money with new terms and rates. All CDs give […]
Do You Have to Pay Taxes on Certificate of Deposit CD Interest Income?
Note: Tax laws are constantly changing, so please always check with a CPA or accountant to determine the latest laws regarding cd income taxation. CD Tax Questions: Introduction CDs are one the safest investments available these days. Investors deposit their money in banks and credit unions, and the financial institutions pay investors back with interest […]
What Is a Travel Credit Card?
Travel credit cards–You probably dream of traveling across the world to see distant lands and making wonderful memories. Traveling can be very expensive. The cost of food, flights, hotels, and recreation can add up very quickly. If you do not prepare for these expenses, trips may cost more than you can afford. Travel credit cards […]
How to Report Credit Card Fraud
Credit card fraud reporting is essential at the first signs of fraud. Credit card fraud is quite common these days. Most people think that credit card fraud only happens when a credit card is lost or stolen. This information is incorrect. These days those that commit fraud find creative ways to gain the credit card […]
How to Change Payment Due Date on Credit Card
Change payment due date on a credit card–is that even possible? Paying bills on time is very important to establishing good credit history. Sometimes circumstances change—such as pay dates and job status— that prevent people from paying bills on time. There is no need to worry. Situations like this generally have easy solutions that are […]
Jumbo CDs: What Is a Jumbo Certificate of Deposit?
Jumbo Cds: What Are Jumbo Certificate of Deposits? Although interest rates fluctuate on CDs, they are still a very safe investment for those who want to save for their futures. The recent recession has created awareness that people must put away for future needs and unexpected present needs. Investors have many different choices for investing […]
3 Year CD: Three Year Certificate of Deposit
3-year cds can be a great way to earn a stable interest income while enjoying the security that cds offer. Selecting a CD length of 3 years will ensure that you get a competitive interest rate as compared to shorter length cds. These CD lengths may not be right for everyone, but a 3 year […]
What is Considered a Low Credit Score?
What Is Considered a Low Credit Score? It is so important to have good credit these days. It seems like someone is around every corner looking for good credit as a stipulation to lend money. This is just the way that the lending system works. Lenders want reliable borrowers to become their customers. Consumers must always keep a high […]
Certificate of Deposit Investing: Overview and Definition
A Certificate of deposit (CD) is a type of financial deposit account offered by financial institutions. CD’s are often considered “time deposits,” due to the fact that the money invested in certificates of deposits are often held for a set maturity date, which will vary depending on the individual cd’s term. A traditional certificate of deposit is […]
Are Credit Card Balance Transfers Worth It?
What are credit card balance transfers? In the days of credit cards, it is common that cardholders may want to utilize a credit card balance transfer. Unexpected expenses may have come up that created a situation that needs a quick remedy. Cardholders who want to keep their credit in good standings commonly use credit card […]
How to Obtain Credit Reports for Small Business
How To Obtain Credit Reports for Small Business It is very important that small businesses know where they stand as far as their credit is concerned. Some people may not think that it is very important that small businesses receive their credit reports, but this is not true. Small businesses depend on their credit score […]
Are Credit Report Repair Services Worth It?
Credit Report Repair Services–Are they worth it? Many people use credit report repair services to improve their credit. These companies make promises to improve credit scores and remove negative debt for a fee. Are credit report repair services worth the time, money, and effort that consumers put into the services? It all depends on how […]
5 Year CDs: Five Year Certificate of Deposit Accounts
5 year CDs are one of the longer deposit account terms offered by most banks and financial institutions. This length of certificate of deposit is best suited for the “long-range” investor, who wants a guaranteed return with almost zero risk–and will not need to access the funds for several years. Five year certificate of deposit accounts often […]
Things That Can Hurt Your Credit Rating Score
Things That Can Hurt Your Credit Score (or Rating) Credit may be hard to build and easy to destroy. Some consumers spend years trying to rebuild their credit and raise their credit rating score. Many people’s credit rating score suffers and they have no idea that it suffers nor do they know how to improve […]
Credit Cards for People with Good Credit
Credit cards for good credit–Maintaining good credit is important to receiving credit. It is also important of cardholders want to receive the best credit card deals. Credit card companies reserve their best deals for customers who have established their ability to repay their debts in a timely manner. There are wonder options available to potential […]
How to Get a Free Credit Check
Free Credit Check: How to Get a Free Credit Check Online It is always a good idea to keep credit in good standings. Even when customers do not plan to use their credit, it is possible that unpredictable events can happen that can cause consumers to use their credit. Lenders are looking to see that […]
Auto-renew CDs: What’s an Auto-Renew Certificate of Deposit?
Auto-renew cds–what are auto renew cds anyway? Investors who open CD accounts agree to certain terms, rates, and conditions. Once the investments reach the maturity dates, investors must decide whether to re-invest in the same CDs, pull out the money, or invest in other CDs. Many investors may not know that some certificate of deposits come with […]
18 Month CD: Eighteen Month Certificate of Deposit
18 Month CDs can be a worthwhile investment for investors looking for a low-risk, guaranteed return on their money. Eighteen months (or a year and a half), is a term that is commonly offered by many banks and financial institutions as a CD length, and it is definitely worth it to consider investing in an […]
Does Credit Score Affect Interest Rates on Loans?
Does Credit Score Rating Affect Interest Rates on Loans? Most people dream of owning their own home someday. Many people are able to achieve the dream of owning a home. For those who have less than perfect credit that dream can fade away quickly. Lenders want to see financial stability in their customers, and they want to […]
Credit History Overview, Definition, and Brief History
Credit history (also called credit report) is a very important aspect of life. Some people do not understand the importance of credit history until they are denied credit. Situations like this do not happen when consumers have a full understanding of their credit and credit history. Every aspect of credit plays an important role in whether […]
7 Year CDs: Seven Year Certificate of Deposit Accounts
7 year CDs are one of the longest CD terms offered by most banks, although some may offer as high as 10 years (or perhaps more in the future). Seven year CDs will command respectable interest rates in a good economy, and the rates will often be significantly higher as compared to shorter length CDs. […]
How Many Credit Cards Can You Have At One Time?
Have you ever wondered how many credit cards you can have at one time? Is there a limit to the number of credit cards you can have open? This is a great question. There are obviously advantages to owning multiple credit cards, but there are also disadvantages as well. If you are asking, “How many […]
10 Year CD: Ten-Year Certificate of Deposits
10 year CD–Are 10 year certificate of deposits worth it? It is no secret that investing money in long-term investment ventures is one of the best ways to make money on investments. Long-term investments also have the best rates. For this reason, many people want to invest their money in 10-year CDs. The more money […]
Can You Get Cash From a Balance Transfer?
Can you get cash from a balance transfer? Do credit card companies allow this?? That’s a great question. Let’s find out! The option to transfer balances is everywhere. Credit card companies make this information available online, by mail, and by personally contacting you. The process works by transferring money from one account to another and […]
How Does Credit Card Interest Work?
How does credit card interest work? There is no getting around interest rates. Credit card companies depend on customers to pay interest on credit cards in order for the credit card companies to make money. The customer’s credit score plays and enormous factor in the interest rate received. Higher credit scores receive the best interest […]
6 Tips When Trying to Repair Your Bad Credit
Credit Repair Tips–Tips When You Want to Repair Bad Credit It is understandable that some people may destroy their credit for many different reasons. Situations arise that are out of the hands of consumers. When these negative situations arise, it is important to remember that this is not the end of the world. It is […]
What Are Balance Transfer Checks?
Balance Transfer Checks–What are balance transfer checks anyway? Cardholders may receive balance transfer checks in the mail from their creditors from time to time. These checks are generally attached to the monthly credit card statements. The creditors try to use temptation to get cardholders to use the cash to pay off existing bills or for […]