Credit Card Trekker

Credit Card Debt Counseling

2009-04-07T21:25:00.002+08:00

Credit card debt counseling is a very discussed topic nowadays and every person seems to have a certain opinion about it.

There are people reading about it in the newspaper or browsing the Internet.

They develop their own research and shortly they already have a personal opinion on this matter and need no counseling.

On the other hand, there are others that simply believe that credit card debt counseling will rip you off in exchange for no useful information.

Bottom line, one way or another everybody is right.

And that’s mainly because there are many questionable credit card debt counseling companies out there that made this entire industry look unsafe.

It’s very hard to find a reliable company willing to offer you a good financial advice.

Before making any decision you should start your own research and choose a trustworthy credit card debt counseling company without being scared of high fees.

Sometimes this is a small price to pay considering the benefits.

A good credit card debt advice that will help you pay off your credit card debt is more important than the amount you’ll be paying in exchange of it.

Not to mention that you won’t have to make researches on your own spending time, money and energy.

You’ll find out all there is to know about this from your counselor and you’ll make the right decision following his advice.

You will receive help very quickly and you won’t have to lose valuable time searching the internet for financial details on debts.

These people are professionals and they’ll present you the situation very objectively including the good sides and down sides.

During the discussion you’ll be presented with some new issues, possible risks and viable strategies for the future.

Trust them because they’re doing this for a living and know all the right tricks to succeed in this field.

They’ll guide you to do the right thing and will help you eliminate your credit card debt while benefiting from some interesting advantages.

Without any doubt you should consider getting credit card debt counseling because it’s safe, faster and professional.

Take some time, choose a respectable agency and ask them to counsel you. You won’t regret it.

Taking a Step Towards Credit Card Debt Elimination

2008-11-05T08:15:00.001+08:00

Taking a Step Towards Credit Card Debt Elimination.

If you can no longer handle your credit card debt and you feel it’s time for it to be eliminated then you should go for it.

There are so many ways to do that but the most effective ones are: gaining control of your expenditures and consolidate your credit card debt.

Analyze them closely and choose the one that suits you best.

1. You must always be in control of your spending spree. You must be ready to draw the line whenever it’s necessary.

This means you’ll have to cut off some of your payments that you usually make using your credit card. Controlling yourself means controlling your debt and if you want to get rid of it you should change your financial behavior.

By trying not to use your credit card as much as before you’ll prove how serious you are about all this credit card debt elimination.

In order to achieve your goals you should do the following:-

a) Try to ignore any attractive offers that you’ll see hanging in the window of your favorite store. Take a deep breath and think if you really need a certain thing or if you can continue living without it. Repeat all this in your head because your goal is to cut off costs not to supplement them.

b) Take your credit card off from your wallet. Take a small amount of cash with you. Whenever you won’t have enough to buy a certain something you’ll have to come back all the way home for your credit card. You’ll have enough time to reconsider about buying this new product and maybe you’ll reconsider.

c) Make a financial analysis of your debts, establish a monthly budget and act accordingly. This is one of the most important measures that you’ll have to follow along the way if you really want to succeed in eliminating your credit card debt. You don’t afford making any mistakes… keep that in mind all the time.

2. Consolidate your credit card debt. You can do that by transferring your balance to a new credit card that has a lower APR.

In order to be successful do the following:-

a) Don’t trust the first offer that you lay your hands on. Make a selection and then compare them one with the other. See if you can find an offer that will suit your needs. In order to find it you should be considering initial APR, its active period and also the standard APR.

b) Be very careful when checking out the terms and conditions of the offer you’ve chosen. These details are very important for your credit card debt elimination plan.

c) Turn inside out every little aspect of this financial offer and in the end make sure that you choose the best deal.

All this involves determination and planning.

If you want to be successful, develop a plan and act accordingly until you manage to get rid of your credit card debt.

Get Out of Credit Card Debt

2008-10-24T09:32:00.002+08:00

Get Out of Credit Card Debt.

It’s hard but not impossible for you to eliminate your credit card debt. If you put your mind up to it you can do it.

You must be ready to face the problems but in the end you’ll be a happier person with a free life. Will power is the key to all that and it involves planning and commitment.

You’ll have to prepare yourself a strong reason for doing all that and once you’ve established it you’ll succeed in no time. You’ll have to imagine yourself after you’ve eliminated the credit card debt.

How will your new life be? Will everything be the same as before? Why should you do all that?

If you decide that getting rid of the credit card debt is in your best interest then you should go for it. The answers to all these questions will help you along the way by supporting your commitment.

If you succeed you will forget about annoying calls or emails about your credit card debt. You’ll live a free life without any financial worries. Put all these together and you’ll notice the benefits right away.

Keep all this in mind because when things get difficult you’ll have to use it for mental support. You’ll feel stronger and more determined than ever to eliminate your credit card debt.

Planning is also an important factor in this process. The first logical step will be for you to put down a list with all your credit cards along with their debt and APR. Add them and see the total amount of money that you owe. Scary huh? But wait there’s more. See if your payments were made on time because if not you should take into consideration also the late fee.

After doing all that you should come up with a plan that will help you eliminate your credit card debt. It is very important that you stick to it until the end. Check your financial status and see what your options in handling this problem are. Also, you should develop a research on viable balance transfer offers and see if anything can prove helpful.

All this information will help you see when you will be able to get a credit card debt relief and how will you manage the payments.

It’s not as bad as it seems. If you want this to happen then start right away because success is waiting for you!

Excessive Credit Cards Debts

2008-10-13T10:28:00.001+08:00

There are some people all around the world that consider credit cards to be a good and necessary evil.

According to them this financial matter involves several benefits that will make your life easier.

But that’s just a small group. Other people just think that credit cards are bad for your financial health and that it would be best if you won’t have to use them at all.

The main reason that supports this theory is the excessive credit card debt.

This is a serious problem that brings together both card holders and credit card suppliers.

But this doesn’t mean that we’ll have to stop using credit cards just because some people didn’t know how to manage their accounts. Instead of banishing credit cards it would be best if people will learn how to use them in their own interest. There are some important benefits that come along with a credit card and no one can deny this.

You can analyze this situation from two perspectives: by handling the excessive card debt problem using the industry or using the individual. The first method involves the masses because they should know all the hidden details lying under a credit card. Some people know all that but many other don’t.

In order to achieve all that there must be some support from inside this industry. All this could work if people could come up with a strategy to solve this credit card debt problem.

In time this must turn into a common practice that should be used all the time. In order to develop such strategy you should know that it involves time, energy and commitment from everybody.

Some people must analyze and compare case studies; other should gather important statistics while others should handle feedback and so on and so forth. Both credit card holders and suppliers must be involved in this process.

But nowadays, the credit card suppliers worry only about their products and try to bring more clients every day.

No one really cares about dealing with the true problem. For example they can organize some seminars on excessive credit card debt for their future clients.

This should be an important part of the application process because it will open up people’s eyes and they’ll be able to consider the problem more objectively. On the other hand they could develop a system that will establish a personal credit card limit for each individual.

Also users could be warned about excessive card debt considering their spending behavior. When the credit card holder is spending too much there should be a notice or a restriction to protect him from excessive credit card debt.

Enough about this credit card industry. Let’s analyze the individual now. Every person should know the best practices in this field before signing any debt agreement.

They should answer a few questions in order to establish if they’ll be able to use excessively their credit card debt. Keep in mind that all this is for the individual’s financial protection and in his best interest.

The society can deal with the excessive credit card debt problem if they manage to convince the financial companies to support these ideas and if they train the individual to act with discipline.

How To Manage Credit Card Debt Negotiations

2008-09-06T01:50:00.002+08:00

Credit card debt has turned into a serious problem that many people are dealing with worldwide.

In order to eliminate a credit card debt, most people will go for a credit card debt consolidation or a loan.

There are too many details to be handled during this process people forget about financial negotiation.

The negotiation is focused on your credit debts and involves you and your credit provider. This is a very important aspect of your credit card debt settlement because if you play your cards right you might end up getting an incredible deal.

You’ll be having all these discussions with your credit provider so that you’ll get a lower APR for your credit card. Everything is based on your skills and on your negotiation strategies.

It is very important for you to clear off your credit card debt but using your own terms. In other words you’ll have to negotiate and customize their offer in order to make it according to your needs. Remember, getting a lower APR is the main idea of this entire process.

The credit card supplier will help you only if you know how to present your situation in your favor. Once you sign for a great deal you’ll realize that you saved a lot of money and energy. You got a low APR and you won’t have to consider about a balance transfer.

If the negotiation goes wrong you’ll probably have to search for other credit suppliers that are able to help you. Consolidating your credit card debt is what you’ll have to keep in mind all the time.

Once you’ve found a new credit card supplier you’ll start negotiation once again. If your negotiation skills are good you’ll obtain a lower or / and longer standard APR. Getting them both would be a great success that will show its benefits very soon.

The credit card debt negotiation is probably the most important part of this financial process and that’s why all the above mentioned details are very important.

Besides that you should also consider the benefits and of course your credit limit. You must negotiate your credit card very smart because you cannot afford any mistake. You’re playing with your money after all.

All this is applicable especially for those people that already have a bad credit rating and cannot deal for a bank loan or a balance transfer.

In this case negotiation is the only viable solution and that’s why it plays an important role.

Even if you have financial problems or you just have a regular credit card debt you should consider the credit card debt negotiation. It will help you a lot and you’ll see the result for yourself.

Problems With Bad Debt Credit Cards

2008-08-30T01:22:00.002+08:00

If you have a bad debt then most probably you’re already familiar with what a bad debt credit cards is.

For those of you who don’t know, this is a credit card offered to you by credit card suppliers if you have a problem with your debt.

Before we get started you should know that there are two types of bad debt credit cards.

First, we have the secured credit cards. In order to access them you’ll have to open a bank account with your supplier.

A certain percentage of the money you hold in that account will be your credit limit. Normally it’s somewhere between 50 and 100%. In other words, you can spend money from your bank account.

But you have to be careful because you won’t be spending money as cash but you’ll be spending them using the bad debt credit card. By doing that, you’ll be benefiting from all the facilities provided by a regular credit card.

If you play after their rules everything will be ok. After all, you’re not that trustworthy with a bad credit debt on your back.

But enough about secured credit cards…

The second type of bad credit cards is pretty much like the cards we use every day with only a few minor specifications: their objective and the way you get into their possession. These are actually cards that support your bad debt.

In translation these are also called bad debit cards. Their mechanism is very simple. The balance you owe is transferred on these bad credit cards because of their low APR.

It’s helpful because now you can consolidate your debt and forget a little about the old APR. At least this will do the trick for a few months.

There are many people that will go for both of these credit cards but also there are others that will settle either for one or another.

It’s all up to you to decide what’s best for you and your money.

Develop your own research and find out which one is the best for you. But be very careful because it’s very important that you make the right decision and start handling your bad debt credit cards financial problems.

Tips On Credit Card Debt Settlement

2008-08-21T21:14:00.002+08:00

Tips On Credit Card Debt Settlement.

There’s no person on this earth that won’t hate credit card debt.

That’s why the credit card debt settlement is very important because you’ll have to face its consequences for a long period of time.

It will change your entire life. If you manage to achieve a successful credit card debt settlement you’ll see the results soon and you’ll enjoy them along with your family.

You won’t even have to deal with unpleasant phones and mails anymore.

There are two ways for you to approach this settlement.

You can do this on your own or you can ask for professional help from a credit card debt settlement agency.

Both methods are effective and you’ll just have to find out which one is best for you.

If you decide to do it by yourself you’ll have to develop a personal research so that you’ll have a solid background on this matter. You’ll have to check out every option available, every balance transfer, short term options and so on and so forth.

On the other hand, a professional can provide you with all those details if you decide to ask for help. Before doing that you might have to compare some credentials and only after that decide which credit card debt company to call. Don’t be fooled by that "one day" promise from their ads.

They’ll say almost everything in order to catch more clients but in time they prove to be unsecured companies. The credit card debt settlement is a complex process and it can’t be done in a few hours. They’re lying to make you sign with them.

But not every agency is like that.

There are also a few important companies on the market that will offer you their help in order to relief you from your debt. You’ll have to pay a fee for the counseling but in time you’ll see that this is money well spend.

Just go for a discussion and tell them everything about your financial situation without holding back anything. They’ll make an analysis and will provide you with a professional advice in order to help you deal with this problem.

Together you will establish how a credit card debt settlement could help you and your family.

But be careful because once you manage to solve this credit card debt situation you’ll have to show some financial discipline so that you won’t fall into temptation once again.

Travel and Cruise Rewards Offered By Credit Cards

2008-08-20T19:55:00.000+08:00

Travel and Cruise Rewards Offered By Credit Cards.

What’s in your wallet can be as important as what’s in your suitcase if you plan to use a major credit card to purchase your next sea cruise.

Most major credit cards offer travel rewards but the following list of cards and programs cater especially to the cruise line industry.

Capitol One teamed with Carnival cruise lines to offer card holders the new Carnival MasterCard.

One unique feature of this card is that if you’ve already made a down payment on a cruise prior to getting the card, you can still apply the outstanding balance to the card, and earn one reward point for every dollar spent on other purchases.

The Visa SeaMiles reward card entitles the card holder to 5,000 bonus miles with their first purchase, triple SeaMiles when you book a cruise through SeaMiles or a bonus partner, and one SeaMile for every dollar spent on all other purchases.

Bank Of America offers the Norwegian Cruise Line Platinum Plus MasterCard entitling the card holder to earn reward points redeemable for rewards on Norwegian Cruise Lines.

Princess Cruise Lines also has an incentive program called the Princess Love Boat Loan.

Although not a traditional credit card, the loan is arranged by MBNA America, a large bank credit-card lender, and works similar to a credit card with annual rates from 14.99 percent to 26.99 percent.

An interesting aside - Olivia Cruise Lines offers the first credit card catering to the lesbian market, partnered with MBNA America Bank (a subsidiary of Bank of America Corporation).

The new Olivia card allows customers to earn points redeemable for Olivia dollars, which can be used to get upgrades, or even purchase entire vacations.

Budget Your Cash - Save More, Invest More And Earn More

2008-08-18T23:17:00.002+08:00

Budget Your Cash - Save More, Invest More And Earn More.

By Elizabeth Chayne

Maybe it’s your tax refund, or an early Christmas present from your parents.

What would you do if you had “spare” cash ?

Most people’s first action is to hit the department store and shop until the cash runs out.

While that may be a great way to put a smile on your face, it may not be the “best” thing to do.

Read on for some budgeting tips.

Pay Off Credit Card Bills or Credit Card Debt First

Handing over a card to pay for your purchases doesn’t hurt…until the bill comes at the end of the month, which is when you realize you’re in debt.

That would be fine if credit card debt wasn’t so high interest. If you put off paying your bill, you may find yourself getting one item for the price of two or three.

So use your spare cash to pay off those bills or debts. Remember, more cash out now, less meaningless interest payments (and heartache) later.

Also, consider going for a debit card, which takes money directly from your bank account and stops you buying stuff when your account runs out.

Stop depending on credit cards!

Next, Tackle Student Loans and Mortgages

Paid off your credit card debt ? Tackle student loans and mortgages.

Though not so high interest as credit cards, it’s still worth your while to pay them off as soon as possible. Double your monthly payment—reduce the principal, reduce interest.

Save, Save, Save

If you’ve paid off all your loans, even those “emergency” ten bucks you borrowed from your co-worker on occasion, then you should probably pay your bank a visit.

It’s a good idea to save at least one-third of your extra cash. It earns you interest, and you’ll sleep better knowing you’ve got some cash stashed away if anything important comes up.

Invest Wisely

Interest earned from putting your money in the bank is all very well, only it isn’t very much. Check online for financial newsletters that offer advice on stocks or other options to invest your cash in.

Don’t put all your money into any one investment (remember how eggs in the same basket tend to get broken at the same time?), and always bank some money beforehand—that way, if anything goes wrong, you’ll still have some cash at hand.

You’ve probably outgrown the age where you rush to the candy store the moment you get your allowance.

By spending and saving wisely, you’ll make the most of any cash you have, and you’ll get more cash later on.

Credit Card Debt Settlement Agency

2008-08-17T20:49:00.002+08:00

Credit Card Debt Settlement Agency.

Many people these days want to handle their credit card debt without any external help and generally that’s not a bad idea.

But, if you want your money to be managed carefully then it will be safe if you go to a credit debt settlement agency.

These credit card debt settlement agency will handle all the financial aspects and will allow you to relax and enjoy your free time.

Usually people are very busy with family problems and work and don’t have time to develop researches and decide what’s best for their credit card debt settlement.

Other times, they just need a professional opinion from somebody that knows how this business goes. It doesn’t matter what’s your reason because you can never fail with the right credit card debt settlement agency.

Pay attention when you select them because you’ll put your money in their hands.

This is a very hard decision considering that there are ads everywhere promoting agencies that will supposedly make you rich over night.

That’s impossible! There’s no way someone will do that over night.

Before you make up your mind you have to analyze if they have verifiable credentials or good recommendations.

Ask your friends. Maybe they made the same decision recently and they’re satisfied with the services provided by a certain credit card debt settlement agency.

If you see an incredible add that will promise you the impossible most probably they will ask you to give them a call on a premium line.

They’ll try to catch you in many ways so… be careful not to fall for their lies.

You wouldn’t want your phone bill to be too big for your pocket. That’s exactly what we’re trying to avoid here.

Another important danger is represented by the card debt settlement agencies with low fee that everyone knows nothing about. They are also very insecure.

Take into consideration all the above and find yourself a great agency to handle your credit card debt.

Once you’ve found them be honest and tell them all the necessary information. If you held back anything they might not be able to provide the best help.

For you to trust them completely they must have a good reputation. If not, there might be some trust-related problems and that’s not good at all.

Trust is very important in this line of work because they will advice you based on your information.

You’ll have to analyze every aspect and decide for the card debt settlement agency that suits best your needs.

Take the credit card debt settlement agency's advice and you’ll find yourself to be a financial-stable person in no time.

Reduce Your Credit Card Debts

2008-08-11T23:08:00.002+08:00

Reduce Your Credit Card Debts.

A credit card debt is an awful nightmare for anyone.

It’s very important to remain always in control unless you want your financial problems to take over your life.

But how is this possible ? Well, the answer is very simple.

You’ll have to reduce your credit card debt until you manage to eliminate it.

Easy to say but so hard to do.

If only words will solve everything then our financial problems will become history in no time. Everywhere you look you’ll find advices on what methods you should use in order to eliminate your debt but none of them seem to work.

On the contrary, the problem is getting bigger and bigger. Believe it or not, it’s not as bad as it seems. Follow the above mentioned advices in your real life and if you pay attention and you do everything correctly you’ll solve the problem in no time.

The first logical step is for you to control your credit card debt all the time and keep it from exceeding its limits. In order to do that you’ll need to use cash and also balance transfers.

This latter one is probably the most important measure in reducing the credit card debt. It will slow everything down and allow you to find the best way to eliminate the credit card debt. This offer includes a 0% APR that will last for no longer than 9 months.

That’s more than enough for you to gain control on your financial status. In order to achieve all that you’ll have to move your balance to a new credit card that provides better benefits than your previous one.

By doing that you’ll keep your debt away from blowing out of proportions.

If you don’t like this method you can always go for cash instead of using your credit cards. You’ll have to get used to pay for things using paper instead of plastic.

Whenever you go shopping take a small amount of money with you and try leaving your credit card at home. If you control yourself, in time you’ll be able to reduce considerably your credit card debt.

In order to do that you should follow a strict financial plan. Be careful that a minor mistake could cost you more credit card debts than you can reduce.

Video - Dealing with Credit Card Debts

Credit Card Debt Problem Solutions

2008-08-05T13:08:00.002+08:00

Credit Card Debt Problem Solutions.

People all around the world are facing this credit card debt problem every second of the day.

Keep in mind that out there somebody might have even harder financial problems and you’re a happy person compared to him.

Eliminating the credit card debt is an important issue for all of us.

What can we do about it ?

How can we handle the situation ?

Actually it’s quite easy. Face the problem and deal with it before it will take over your entire life. You can use whatever method you want to solve this problem just be sure you’ve chosen the right one for your situation.

If you’re confused you can follow these 9 simple steps that will help you getting rid of that unpleasant credit card debt :-

1. Take a pen and a piece of paper and write down some important things as it follows: your credit card name, the balance, the day when you have to pay the bills, APR, your reward points along with their current offers and last but not least the remarks.

2. Put in the table the above mentioned information for all your credit cards.

3. Try to see which credit card causes most of your problems. In other words see which one has a harmful balance and APR.

4. Analyze the reward points because sometimes they can be used to pay some bills or fees. If is possible use them to cover some expenses.

5. Compare you consolidating credit card debt offers and choose the one that suits you best.

6. Get rid of the credit card that’s causing all the damage as fast as you can. (This doesn’t involves throwing anything out on the window)

7. Control your spending behavior because otherwise you might never be able to solve this problem.

8. Think about every financial alternative that will help you earn more money.

9. Enjoy the reduction of your credit card debt and breathe freely when the nightmare is over and you no longer have a financial problem.

These nine guidelines will help you deal with this situation but won’t solve it for you.

You’ll have to keep the final objective in mind and act accordingly.

Just remember a person with no credit card debts is a happy person.

How To Eliminate Credit Card Debts

2008-08-01T20:04:00.002+08:00

Eliminating a credit card debt is a hard process that will make you curse the day you decided to ask for that external money.

It’s difficult but not impossible. You can do it if you really put your mind up to it.

It’s all in your head.

It doesn’t matter what strategy you use or what negotiation skills you have because the power to accomplish all that is inside you.

It’s all about the will power.

All this will make you control your spending spree and start saving some money. You’ll have to prove that you’re a perseverant person. You have to analyze your current financial status and start establishing some rules.

Once you’ve developed a monthly financial plan you can say you’re half way there. Be sure that you always remember that the final goal is for you to eliminate the credit card debt.

Will power is very important in every single step I mentioned until now and it will also help you negotiate with a credit card debt assistance company.

You’ll have to prove determination and patience because you’ll have to develop a research to find out which balance transfer plan suits you best. Will power is the key to achieve credit card debt elimination.

Considering that it’s all in your head you can say that this is a simple process. It’s all up to you. But practice has proven to be very hard sometimes.

In order to succeed you’ll have to draw in your mind a picture of your life after completing this process...when your life will be relaxed and without any worries.

Picture yourself right after getting rid of that annoying credit card debt. You’ll be a happier person and you’ll be able to spend all your money on you.

You’ll forget about installments and fees and strategies to get rid of your credit card debt. All this will be history and you will be able to enjoy every minute of your life.

You must not take all this for granted because it is very hard to achieve credit card debt elimination. But if you really want this to happen you can do it.

It’s all in your mind. It’s a hard process but remember that it’s not impossible to eliminate your credit card debts.

What You Need To Do After Clearing Your Credit Card Debts

2008-07-28T12:16:00.002+08:00

What You Need To Do After Clearing Your Credit Card Debts.

If you have a credit card then you have to be responsible about your money so that you won’t have to deal with debt problems.

There are some people that face this problem because something unpleasant has happened to them in the past and they needed money to solve it.

That’s just a small part. Many people use it wrong and without thinking about consequences.

You can choose how you want to pay off your card debt. It is very important to do that because unfortunately there aren’t many people able to pay off their credit card debts. You’ll have to manage your finance carefully and start planning the payments in order to pay off the debt.

It’s not that simple as you might think. You’re entire life could change after that. Probably that’s why it is so hard to do it. Unfortunately, it is very easy to fail in this process.

You have to control yourself because you’ll be facing some temptations along the way. There are people that go out and spend all they money right after paying off their credit card debt.

That’s wrong! You’ll feel great for a short period of time, but on a long run you’ll have to work harder then you did before and pay off credit card debt all over again.
As you can see for yourself, paying off credit card debt it’s just not enough.

To avoid all problems you must keep a debt-free status all the time before and after you pay off credit card debt. If you all that you’ll be able to sleep relaxed at night without thinking about any financial problems.

You’ll have to be very careful and pay attention to all the rules referring to this complex process.

We present you here some tips on what to do before and after paying off credit card debt.

You must not overspend.

You might be tempted to buy a lot of things you don’t need and that’s not right.

Stop spending money on useless things because you’ll regret it later.

Also, be very careful not to exceed 70% of the credit limit. It’s a safety barrier for your spending spree.

Once you start spending money you have to make sure you’ll pay your card bill payments in full and in time.

It is very important to stop when you have 2 credit card accounts. That’s more than enough for anyone.

All this are just some common things to help you handle your money and pay off your credit card debt without facing any problem.

Batman Credit Card ?

2008-07-23T08:06:00.002+08:00

Yep... You read it right. Batman credit cards is available now in conjunction with the latest Batman movie.

Too bad that this Batman credit card is only available in Hong Kong.

The Batman credit cards is issued by the one of Hong Kong top bank, Dah Sing Bank Limited.

From now until 31 May 2009, successful applicants for the Batman Credit Card can enjoy one of the following fabulous offers:

- Batman Cooler & Warmer

- Batman MP3 Player

- Up to HK$60,000 15-month Interest-free Cash-in Installment

- Batman Gift Card (value HK$100)

More info on Dah Sing Bank Limited Hong Kong Batman Credit Card Here

HSBC Malaysia Premier MasterCard

2008-07-17T13:55:00.002+08:00

HSBC Malaysia Premier MasterCard

HSBC Malaysia Premier MasterCard comes with a wide international acceptance, at over 24 million locations around the world, the finest rewards programme, local privileges around the world and on the ground support in case of emergency.

Finally, there’s a card that gives credit where it’s due.

HSBC Malaysia Premier MasterCard Benefits :-

- HSBC Malaysia Premier MasterCard Fee-Free Pre-approved Credit Card and Supplementary Credit Card for Family. That's right. No annual fees, as long as you maintain your HSBC Premier account status.

- HSBC Malaysia Premier MasterCard International Recognition. Walk into any International Premier Centre or branch, show them your HSBC Premier Credit Card, and you'll immediately be made to feel at home.

- HSBC Malaysia Premier MasterCard Worldwide ATM network. Access to cash at over 1,000,000 ATMs around the world.

- HSBC Malaysia Premier MasterCard Premier TravelRewards Plus. Earn Reward points by putting your spending and bill payments on your HSBC Premier Credit Card. With Premier TravelRewards Plus, you can now redeem travel products on the spot at our designated travel agencies.

Corporate Information Travel Sdn Bhd - Tel: 03-2091 9988
Boustead Travel Services Sdn Bhd - Tel: 03-2072 7609
First Travel & Tours (M) Sdn Bhd - Tel: 03-9179 5599

- A dedicated HSBC Premier emergency hotline. You can call from anywhere in the world, 24 hours a day 365 days a year, and you'll have a designated customer service representative attending to your needs.

- HSBC Malaysia Premier MasterCard International Rescue. HSBC Malaysia Premier MasterCard will be your safety net with instant lost or stolen card reporting and a quick card replacement or an emergency cash advance pending delivery of the replacement card.

- HSBC Malaysia Premier MasterCard Home & Away Programme. Wherever you travel, experience the unknown and have a more enriching and rewarding time abroad with around 2,800 exclusive shopping, dining, leisure and entertainment offers at 9,000 merchant outlets in over 40 countries and territories worldwide.

More Info : HSBC Malaysia

Beat Inflation With Giant Citibank Credit Card

2008-07-09T23:06:00.003+08:00

Giant hypermarket and Citibank have come up with a great credit card that give you 2% rebate when you shop at Giant Malaysia hypermarkets.

This is indeed a credit card that will help you save when you go for sundries shopping at Giant stores nationwide in Malaysia.

With the rising food and gas prices, Giant Citibank Credit Card will help you save money on your monthly groceries expenses especially if you do your shopping at Giant stores.

If you use the Giant Citibank Credit Card to shop elsewhere, you will also earn rebates of up to 1%.

If you sign up for the Giant Citibank Credit Card before 15Th July 2008, you will be entitled up to 10% rebate on your first purchase at Giant hypermarket.

You could apply for the Giant Citibank Credit Card online :-

Citibank

Win a Suzuki SX4 Sedan When You Shop At Metrojaya With Citibank Credit Card

2008-07-09T20:49:00.005+08:00

Win a Suzuki SX4 sedan 1.6L auto and RM5,000 petrol rebate for your card when you shop at Metrojaya using your Citibank credit card.

All you need to do is spend RM200 or above and swipe your Citibank credit card at any Metrojaya stores.

The RM200 must be in a single receipt.

Fill out the contest form at the customer service counter and guess the total number of shopping bags in the Suzuki SX4 on display.

That's it. The one with the correct answer wins.

You will also enjoy instant discount when you shop at Metrojaya stores with your Citibank credit card. You will get 10% OFF on normal priced merchandise when you use your Citibank credit card at Metrojaya. This discount does not include cosmetics, fragrances, agent-controlled items and best buy merchandise.

Win a Suzuki SX4 Sedan When You Shop At Metrojaya With Citibank Credit Card Contest is from 13 June 2008 to 20 July 2008.

Credit Cards - Friends or Foes ?

2008-07-07T15:37:00.003+08:00

Credit Cards - Friends or Foes ?

So you just received an offer to have your very own credit card.

Just think, you could take advantage of the sales that always come the week-end before your paycheck does; your friends would be impressed beyond belief; and, best of all, your parents would finally have to admit that you really are an adult.

Sounds great doesn't it?

Like Santa Claus promises to deliver whatever you want for Christmas, credit cards promise to deliver whatever you want, any time and any where. All you have to do is head for the nearest store, present your card, and, presto, you are on your way home with your purchases.

Unfortunately, the resemblance between your credit card and Santa Claus ends right there. Such purchases are not free gifts; every item purchased on your credit card must eventually be paid for by YOU. And, not only are you expected to pay for each item, but you will also be charged a monthly interest fee or service charge on the unpaid balance.

Some of the more popular credit cards charge an additional yearly fee for as long as you keep the card, whether or not you make any purchases with it. Although the fee is fairly small, it should definitely be considered when deciding whether you, personally, would benefit from owning a credit card.

It's true that credit cards can be extremely useful; the negative stories you hear about them can usually be traced to lack of wisdom in their use.

Credit cards are, presently, fairly easy to obtain. Besides the well-known Visa and MasterCard, most major retail stores offer cards of their own.

Usually, you must fill out an application for a particular card, but some companies mail them out to the general public. A recent newspaper article reported that a five-year-old girl was issued her own credit card, and that her mother rushed her to the store to take advantage of it.

Most reputable companies require that you have some sort of employment before you are eligible for a card. They also set a limit for your card, based on your income, and once that limit is reached, you must reduce your account balance before making additional purchases. Some limits amount to thousands of dollars, and the size of your monthly payment depends upon the balance due at any given time.

Following are a few guidelines that may be helpful, not only to those who are considering the pros and cons of credit card life, but also to those who already have one or more of the powerful little plastic critters in their wallets. Remember, there really isn't any Santa Claus when you are talking about credit, and those little plastic cards sometimes create more problems than they solve.

If you do decide to use one, keep the following points in mind, and your credit card will become a useful tool in your hand; one that works for and not against you.

1. Before you obtain a credit card, decide whether or not the advantages you will receive from its use will outweigh the extra costs you incurred in interest and service charges. Some sad users end up owing more in interest than the original cost of their purchases.
Be sure this doesn’t happen to you.

2. Don't use a credit card to create an unrealistic standard of living for yourself. Sooner or later, you will reach your credit limit and find yourself unable to maintain that standard. One young man we know reached his $2500 limit on a major credit card and promptly applied for a card from another company. Reaching his limit there, he obtained a third.

Now he is faced with high interest payments on his first and second cards and will soon reach the limit on his third. Because he has trained himself to live above his income, a large part of his salary goes to keep up the payments on these cards, and he sees no possibility of getting out of debt for several years. "It was so easy to charge things," he explains, "and I bought things I probably wouldn't even have considered buying if I'd had to pay cash."

3. Try to limit credit card purchases to emergencies or opportunities that will not be repeated. We all have unexpected problems that pop up occasionally, or we find an item we have been seeking for years. These might be acceptable uses for a credit card. Daily expenses and ordinary run-of-the-mill sales are not. Who wants to be still paying in July for a hamburger he ate in March?

4. Never, never loan your card to a friend. If your friend cannot qualify for his or her own credit card, then that friend is certainly not responsible enough to be entrusted with yours.

5. Don't make the mistake of throwing out your budget just because you get a credit card. You still need to plan expenditures carefully and to learn to live within your means. A credit card does not add one extra cent to your income; it merely allows you to pay for certain items at a more convenient time. Too often, that more convenient time never arrives.

If, after considering all the advantages and disadvantages of credit buying, you feel ready to take on the responsibility of using a credit card, spend some time finding out which card is right for you. A reputable online company credit cards offers a free credit search which will inform you about the various terms and conditions of usage of various credit cards, including online application links for each one.

Credit cards, in themselves, are not evil, but the misuse of credit cards can end up being your worst nightmare. One you may not wake up from for many years.

Can a Debt Management Program Help You ?

2008-07-06T19:35:00.000+08:00

Can a Debt Management Program Help You ?

By Brad Sylvester

At some point in your life, you may find yourself in a situation where you have difficulty paying off your debt on time. Maybe you’ve lost a job, had your overtime cut, or just somehow let things spiral out of control.

Looming debt and the fear of losing it all can interfere with your family’s happiness, your work performance, and make your life miserable.

If this sounds like you, or if you are afraid you’re only a step away from this situation, a debt management company may be right for you.

Debt management companies will work with your creditors to consolidate all your monthly debt payments into a one simple monthly payment. They use their company’s clout with lenders to try to reduce your monthly payments with your creditors, so you can meet your daily living expenses AND avoid the never-ending trap of late fees and the ever-increasing penalty interest rates by establishing consistent payments.

Not every creditor will accept lower payments, but the debt management company’s relationship with the creditor and history of making sure they are receiving at least some payment each month will be working in your favor.

Within two or three months of making these reduced payments, the collection calls should be a thing of the past. Sometimes, though, these large companies are quick to let their collection arms know when to start calling, but ever so slow in calling them off once a repayment agreement has been reached.

A good debt management company will help work your information through the creditor’s bureaucracy if the calls don’t stop within a few months.

A debt management program is not for everyone. If you’re managing to stay current on your payments, then entering a reduced payment plan can negatively impact your credit ratings.

On the other hand, if you’re already behind in your payments and are either getting collection calls or you live in fear of them, a debt management program may be the best thing you can do for your credit and for your piece of mind.

Federal Reserve Board US - Credit Card Complaints

2008-07-06T13:41:00.002+08:00

Credit Card Complaints - Where can you seek help on your credit card complaints in the United States.

The list below is where you can seek help for all your credit card complaints.

However, first try to resolve it directly with the store or the credit card company.

If that doesn’t work, you may want to file a complaint with your state’s attorney general or banking agency.

You may also file a complaint with the federal agency responsible for enforcing consumer credit laws for your credit card company :-

Credit cards issued by state banks that are members of the Federal Reserve System :

Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
888-851-1920 (Phone)
877-766-8533 (TTY)
877-888-2520 (Fax)
Email: ConsumerHelp@FederalReserve.gov
http://www.federalreserveconsumerhelp.gov/?District=13

Credit cards issued by banks with “national” in the name or “N.A.” after the name :

Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
1 (800) 613-6743 (toll-free)
http://www.occ.treas.gov/

Credit cards issued by state banks that are not members of the Federal Reserve System :

Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1 (877) 275-3342 (toll-free)
http://www.fdic.gov/

Credit cards issued by federal savings and loan associations and federal savings banks :

Office of Thrift Supervision
Consumer Programs
1700 G Street, NW, 6th Floor
Washington, DC 20552
1 (800) 842-6929 (toll-free)
http://www.ots.treas.gov/

Credit cards associated with federal credit unions :

National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314-3428
1 (800) 755-1030 (toll free)
(703) 518-6409 (Fax)
http://www.ncua.gov/

Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureaus :

Federal Trade Commission
Consumer Response Center - 240
600 Pennsylvania Avenue, NW
Washington, DC 20580
1 (877)-FTC-HELP (1-877-382-4357) (toll-free)
http://www.ftc.gov/

Source : Federal Reserve Board US

Credit Card Debt Problems

2008-07-05T18:30:00.002+08:00

Credit cards are so important these days that they are no more a luxury, they are almost a necessity.

Because of this, a lot of people are going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. However, the credit card industry and credit card holders are posed with a big problem called ‘Credit Card Debt’.

In order to understand what ‘credit card debt’ actually means, we need to understand the work flow associated with the use of credit cards as such.

Credit cards, as the name suggests, are cards on which you can get credit i.e. make borrowings (your credit card debt). Your credit card is a representative of the credit account that you hold with the credit card supplier. Whatever payments you make using your credit card are actually your borrowings that contribute towards your credit card debt.

Your total credit card debt is the total amount you owe credit card supplier. You must settle your credit card debt on a monthly basis. So, you receive a monthly statement or your credit card bill which shows your total credit card debt. You must pay off your credit card debt by the payment due date failing which you will incur late fee and interest charges.

However, you have the option of making a partial (minimum) payment too, in which case you don’t incur late fee but just the interest charges on your credit card debt. If you don’t pay off your credit card debt in full, the interest charges too get added to it. So your credit card debt keeps on increasing, more so because the interest rates on credit card debt are generally higher than the interest rates on other kind of loans/borrowings.

Further, the interest charges add on to your credit card debt each month to form the new balance or the new credit card debt amount. If you continue making partial payments (or no payments) the interest charges are calculated afresh on the new credit card debt. So you end up paying interest on the last month’s interest too.

Thus your credit card debt accumulates rapidly and soon you find that what was once a relatively small credit card debt has ballooned into a big amount which you find almost impossible to pay. Moreover, if you don’t still control your spending habits, your credit card debt rises even faster. This is how the vicious circle of credit card debt works.

Credit Card Trekker Blog - Trekking The Best Credit Card Deals

2008-07-05T18:22:00.005+08:00

Credit Card Trekker blog is created to help credit card users find the best credit card deals on the internet.

Everyone uses credit card in their daily life though one can do without it.

Finding the best credit card company that compliment your usage is not easy.

Therefore, Credit Card Trekker blog will help you to solve your credit card problem with the best tips to tackle your credit card problems.

Stay tune to Credit Card Trekker blog...