How Does the Credit Score Point System Work? Credit is one of the most important aspects of consumers’ present and future finances. Very few people can manage to go throughout life without using credit at some point. Some people end up with bad credit along the way, and they have no idea how the credit […]
Types of Fees Incurred on Balance Transfers
Balance transfers help customers regain their financial independence and offer options to repay the credit card debt. Credit card companies usually provide customers with enticing offers that include balance transfer fees. Balance transfer fees can be beneficial or detrimental to credit card users. Do not settle for balance transfer offers that do not offer a […]
Should You Get a PayPal Credit Card?
PayPal is an online payment company that has been in business since December 1998. As the leading online payment company, PayPal currently offers a PayPal credit card. The company currently has nearly 98 million active registered accounts. PayPal operates in 190 markets using 25 currencies. There are localized websites in 21 of the 190 markets. The […]
What Is Considered a High Credit Score?
What Is Considered a High Credit Score? There is no secret that lenders look for customers with a high credit score to offer loans. A high credit score is achieved by making payments on time and managing credit. It takes a great deal of hard work and dedication to maintain a high credit score. Consumers […]
Are Credit Cards the Same as Money?
Are credit cards money? Credit cards are NOT money as we think of money, and if you view credit cards as free money, then you can find yourself getting into debt very very quickly. So what are credit cards? Credit cards are simply loans (nothing more, nothing less) in the form of a convenient plastic […]
Best Way to Pay a Credit Card Bill: Mail, Online, or Phone?
What’s the best and safest way to pay your credit card bill? Should you pay your credit card bill via mail, online (the internet), or on the telephone (phone)? In this article, I’m going to tell you how I pay my credit card bills, and also the best and safest option to pay your bill […]
What is a Credit Card Chargeback, and When Should You Do It?
A credit card chargeback is a term often used by credit card companies that describes the action of asking a credit card to “reverse” a charge to your bill. This is usually necessary if you have fraudulent purchases, or if you buy something and the company never sends the product (or sends the product in a […]
Do Secured Credit Cards Help with Credit?
Using secured credit cards to rebuild credit is one option many people don’t consider. Some may ask, “Do secured credit cards help with rebuilding credit? This is a great question! Let’s examine this topic in more detail so that those struggling with credit issues can learn some tips to rebuild their credit. Trying to borrow […]
Can You REALLY Get Free Credit Scores Online?
Free Credit Scores: Can you really get them online? Credit reports are available for consumers whenever they need them. Consumers should get credit reports with credit scores on a regular basis to ensure the accuracy of the information reported. Many people do not take advantage of the opportunities to receive free credit reports each year. […]
What Are the Best Credit Card Types to Apply For?
Credit card types–There are hundreds or thousands of potential banks and companies that issue credit cards. However, most of these companies (Capital One, Chase, Bank of America, etc.) generally issue 1 of 4 card “brand” types. These are Visa, Mastercard, American Express, and Discovercard. This is important because when applying, it should state which type […]
Credit Cards for People with Bad Credit
Bad credit credit cards–are there really credit cards for people with bad credit? It can be tough for those with bad credit. Situations out of control can arise that may ruin a person’s credit for many years to come. Whatever the situation, there are solutions to help rebuild creditworthiness. There are credit card companies that […]
Can You Buy a Car with Credit Cards?
Can you buy a car with credit cards? People sometimes don’t realize that almost every type of company accepts credit cards these days. In fact, YES, you can even buy cars like you can buy candy bars (sorry, I couldn’t resist that rhyme). But I recall when I purchased my very first brand new car. […]
Credit Score Range Scale
Credit Score Range and Scale: When consumers know where they stand on the credit score scale, they are in a better position to determine what type of credit in which they can apply. Lenders offer the best credit deals to the most creditworthy consumers. Consumers must first have a clear understanding of the credit score […]
Credit Cards with No Interest on Purchases
Credit Cards with 0% APR on Purchases–Who wouldn’t want a credit card with 0% introductory APR on purchases? Cardholders make purchases and are not responsible for paying any interest on the purchases until the introductory period ends. This seems like a good way to get things now and pay for them later. It is just […]
Improve Your Credit Rating with Credit Cards
Improving your credit rating (or credit history) with credit cards is something most people never consider. The same thing that gets credit card users in trouble can be the very thing that helps to improve the user’s credit rating. Some may not want to believe it, but using credit is the only way to improve […]
What Are The Best Credit Cards Available?
While some may joke that the best credit cards are the ones you never get, the truth of the matter is that some credit cards are far better than others. There are so many factors that can make the difference between a good credit card, and a bad credit card. So what are the best credit cards […]
What is a Credit Card Code Verification Value (CVV, CVC, and CID)?
What is a credit card code verification value (CVV, CVC, and CID)? That’s a great question! Credit cards are a part of many people’s daily lives. It is very important to protect the security of a credit card. Many may not know about Credit Card Verification Values, but this information is important to users of credit cards. Credit card […]
1 Month CD: One-Month (30 Day) Certificate of Deposit
1 Month CDs-Are One Month CDs a Good Investment? A certificate of deposit or CD offers a wonderful way for customers to earn money on the amount of money that they save. Rates vary for CDs, but they do provide a safe way to earn extra cash. Banks offer customers this wonderful financial opportunity, but […]
Are Certificate of Deposits a Good Investment?
CD Investments: Are They Worth It? Introduction: Investors who are looking for a great place to invest their money look to CDs as an option. CD rates change of a regular basis so investors can benefit from the rate increases. Investors like the fact that their money is safe as long as they abide by […]
1 Year CD: 12 Month (One Year) Certificate of Deposit
1 Year CDs–Should you invest in a certificate of deposit for 12 months? One year CDs can be a great investment opportunity for those wanting a safe and almost guaranteed return on money. CDs are fully insured by the FDIC so long as the financial institution you use is covered, and you invest within FDIC […]
Can You Ever Change Your Credit History Report?
Can you ever change (or erase) your credit report history? Credit is a very important thing to have in this economy. Once credit history is destroyed, it may be very hard to improve. A bad credit history can lead to a low credit score that may prevent lenders from extending credit to consumers. Many people […]
What Does a Credit Report Look Like?
What does a credit report look like anyway? In order to understand credit, consumers must first know what a credit report looks like. At first, this lengthy document may be very confusing and nerve racking to consumers. Once consumers understand the component parts of a credit report, they will understand what a credit report looks […]
Tips for Applying for a Credit Card Online
Credit card applications–If you are considering applying for a credit card, then you are in luck! Thanks to modern day technology, potential cardholders can sift through various credit card offers and find the credit card that’s right for them. Then, they can simply use an online credit card application to apply instantly. Credit Card Applications […]
Does Changing Your Name Affect Credit History?
Does Changing a Name Affect Credit History Reports? It is common that people change their name for a number of reasons. Some legally change their name after getting married and others change their name as a way of starting a new life. Regardless of the reason, the name change can affect credit history. Many consumers […]
Credit History Requirements for a Mobile Phone Contract
How Much Credit History is Needed for a Mobile Phone Contract? Mobile phones are very popular forms of technology to have these days–whether it be an Iphone, Smartphone, Google Android, or other new gadget. These “toys” can help consumers stay in contact with their friends and family. Is it easy to get a mobile phone on contract? […]
Fitch Ratings Reaffirms the United States AAA Status
Statement Regarding Future Outlook of Credit Card Rates After Credit Downgrade: Fitch Ratings has recently announced that they are reaffirming the United States AAA credit status, depsite the S&P’s recent downgrade. This news will likely be met with much relief from investors after the recent credit rating fiasco. The stock market took a particularly tough […]
30 Month CD: Thirty Month Certificate of Deposit Accounts
30 month CDs can be a great option for investors looking for a steady return of money, without inviting unnecessary risk into their investment. Thirty month Cds (which is 2 1/2 years) may be the perfect time limit for investors transitioning in their life, and don’t want to tie up funds for too long, and […]
Citi Credit Cards To Start Charging Annual Fee
Citi Credit cards to start charging annual fee on some cards–I have 2 citi credit cards, and my wife has 1. Both of mine are the “diamond preferred” Mastercard by Citi. What is so special about that you ask? Well, it turns out that I received 3 letters in the mail yesterday (for my 3 […]
How to Dispute Your Credit Report
Dispute Credit Reports–How do you dispute your credit report? A credit report is a document that reports the payment history of its owner. When you end up with things on your credit report that are inaccurate, you dispute the information so that you can get the removal process started. You may not know how the […]
How to Properly Dispose of a Credit Card
Disposing of a Credit Card Properly–How to dispose of your old credit cards. Whether it is time to activate a new credit card or the need arises to eliminate a credit card account, it is very important to dispose of a credit card properly. In the wrong hands, a misplaced credit card can cause many […]
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