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noreply@blogger.com (blogger) — Wed, 02 Jul 2008 23:20:00 +0000

Online Credit Card Offers - How to Find the Best Offer

noreply@blogger.com (blogger) — Sun, 29 Jun 2008 05:00:00 +0000

At first glance, credit card offers may appear to be one and the same. You've probably seen countless offers advertising 0% APR or a rewards program. After awhile, all the credit card applications that land in your mailbox begin to look alike.

Search online, however, and you'll find sites that organize credit card offers into different categories. This makes it easy to spot their top features. Low interest, cash back, and airline cards are just a few of the offers you can choose from. After looking through the various options, you can decide which one best suits you. Following are some suggestions to think about as you study online credit card offers.

Know your Style

Before signing up for a card, think about your money habits. Everyone has a different spending style, and that can affect what kind of credit card you need. If you grew up in a household where savings was stressed, you may be used to staying debt-free. A credit card offer with a rewards program could be perfect for you. If you come from a high-spending background, you might be more inclined to shopping sprees. Low interest rates will help you keep debt in check if you regularly carry a balance on your credit card.

Recognize your Choices

Understanding your spending style will allow you to set priorities. Think about what is most important for your financial position. Then look for a card that will benefit you most. Here are some of the features you can choose from in online credit card offers:

Annual Percentage Rate (APR): APR refers to the cost of credit. It is presented as a percentage rate. Many online credit card offers come with an initial low or interest-free period. When that ends, a different, often higher, APR will set in. If you plan to have a card for a long time or carry a balance, a low APR will help you out.

Balance Transfer: Some credit card offers allow you to shift the balance on your current credit card over to the new one. This can be a way to get rid of outstanding debt. If the card offers a 0% APR introductory period on the balance transfer, you have some time to pay down the debt. You can get rid of the balance in a few months, and save yourself valuable money on interest.

Rewards: Many credit card offers include cash back bonuses, travel rewards, or gas rebates. If you use the credit card for daily expenses, and then pay off the balance each month, this type of card is perfect for you. Check the fine print to make sure you understand how the program works.

Additional benefits: Some cards include extra features, such as travel insurance or custom designs. Others offer no annual fee. Still others, like bad credit credit cards, focus on helping you rebuild your credit score. Be aware of these benefits as you look through the various credit card offers.

Searching online is perhaps the best way to sort through credit card offers. Set your priorities and then sift through the options. When you find the right card, apply online. The credit card, complete with the benefits for you, will arrive in your mailbox in just a few days.

Click here to Apply For A Credit Card Online.

Ed Vegliante runs the website http://www.Credit-Card-Surplus.com, a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers. View more Credit Card Articles (www.credit-card-surplus.com/articles.php).

Credit Cards: Apply Online And Get Approval In 5 Easy Steps

noreply@blogger.com (blogger) — Sat, 28 Jun 2008 17:03:00 +0000

Credit cards are an indispensible part of our financial life. We are using them increasingly for our financial transaction. Gone are the days when there would be strenuous visits to banks and running around banking officials to get a credit card. Now the whole process is available online and is very hassle free. Be it Discover, Chase, American express or Advanta all the major players have their credit card websites and offer online application facilities.
Getting a credit card online is very easy even for the newbie. If you are unaware of the process these 5 simple steps will help you obtain the desired credit card of your choice entirely online and without hassles. So let’s start.

Step 1: Search for the term credit card

Open any search engine preferably google and type in the term "credit cards" or the type of credit card you prefer. Then press "enter." You will soon have a list of hundreds of possible credit cards companies that you may wish to use.

Step 2: Find a credit card comparison site

Pick an online website that offers a comparison chart for you to choose from. You can then start comparing the different credit cards online.

Step 3: Choose your comparison criteria

On the credit card comparison form, choose the parameters according to your needs and then submit the form. The credit card comparison site uses a database which has the latest credit card offers classified according to various criteria. The form you submit generates a query and matches results from database.

Step 4: Choose your card

The comparison site will show you the best matching results from its database choose the one that suits you, and click on the apply link for the credit card.

Step 5: Fill up the form

Clicking the link will take you to the credit card issuer’s page. Here you will have to fill up a form which will ask about your personal and financial details. Before filling up the form make sure that you understand the finer points and read the terms and conditions mentioned with the credit card offer.

That’s it...was it hard? These simple steps will help you in applying online for a credit card.

Mitchell Wright offers expert advice and super saver tips regarding all aspects concerning Credit Cards. Find more advice and great tips to save more on http://www.credit-card-forums.com/American_Express.html.

Low Apr Credit Card The Greatest Bait

noreply@blogger.com (blogger) — Sat, 28 Jun 2008 05:00:00 +0000

One of the greatest baits used by credit card companies to attract more customers is through low Apr credit card. One of the greatest benefits of credit cards is that we can go on a huge shopping spree without any money in our valet or bank; it is even more attractive when the credit card you sign up has low Apr rates. People always hunt for a low Apr credit card because they can save a lot of money. Greater the interest rates greater will be your monthly bill.

Many uninformed credit card users do not consider this important factor while selecting their credit card. Only after seeing their shocking monthly bill do they realize what has happened. They hastily try to cancel their existing credit card and try to apply for a low Apr credit card. To avoid all these troubles it is best to consider all these factors in advance before making the decision on your choice of credit card.

You will find a great variation in the Apr value of credit cards. Some credit cards will have an Apr value of 6% and it can be as high as 30%. Sometimes low Apr credit cards are reserved for those with excellent credit history.

However, credit card companies to boost their sales introduce low Apr credit cards and it can be as low as 0%. These offers are only for a temporary period and can be enjoyed only during the initial few months. They change will increase the interest rates after the offer period. Credit card companies cannot afford to keep the interest rates at 0% because it is their life line for profit. So don’t be fooled whenever you get an offer for low Apr credit card. Take time to read the terms and conditions and see for how many months you can enjoy the benefit of low Apr.

Sometimes, credit card companies to retain their customers who have excellent credit history, offer permanent low Apr to its select esteemed customers. When you move from one credit card company to another credit card company you get low Apr as bonus offer provided you have a good credit history.

One more factor you need to be cautious regarding low Apr is that different companies calculate Apr differently. So it is always the best thing to do get as much information as possible before you go ahead with any credit card. Many complacent customers fail to check whether there are any additional fees applicable for this low Apr credit card.

If you can plan your shopping well you will be able to benefit a lot using the low Apr credit card offers. If plan in such a way that you payback for your dream purchase within the offer period you will save a good deal.

For more information on finding the best Low Apr Credit Card, visit www.the-credit-card-pros.com.

Credit Cards - Never Pay Interest Charges Again!

noreply@blogger.com (blogger) — Fri, 27 Jun 2008 17:00:00 +0000

When looking for a credit card, most people spend all of their time looking for one with the lowest interest rate. Obviously a low interest rate is good. In fact, the lower the rate the better. So why settle for a card with a low rate - why not set your sights a little higher (or, in this case, lower) and look for a card that never charges you a penny of interest regardless of how large a balance you carry on your card? Not possible? Actually it's not only possible, it's not even all that difficult. The trick is that you've got to keep track of a few simple dates and be prepared to take action at the appropriate moment.

Credit card companies want your business. I mean, they really want your business. In fact, they'll do almost anything to get you to sign up for their card - including offering you a zero interest introductory rate. This introductory rate can last anywhere from 6 to 12 billing cycles.

All you have to do is to sign up for a credit card with no interest for 6 to 12 months, transfer your outstanding balances from your high-interest cards to the new zero-interest card, and then keep track of exactly when the new card begins charging interest and switch to another card with a zero interest introductory period just before it does.

If you're nimble you can keep switching cards forever and never have to pay a penny of interest on any of your purchases.

Obviously there are a few things you need to look for when deciding on a zero-interest card to switch to. First, make sure there are no fees for balance transfers. Most cards allow for free balance transfers, but not all do.

Secondly, always, always, always pay your monthly payments on time. If you miss even one payment, or if you are late on even one payment the introductory zero-interest rate on your card goes right out the window and you could find yourself suddenly making interest payments of 24% a year or even higher.

Also, look for cards with no yearly fee and try to find cards with no monthly maintenance fee; a monthly maintenance fee is just a sneaky way of charging you what amounts to interest every month without actually charging you interest.

If you're wondering if this really works, the answer is YES. I do it and many people I know do it as well. Once you get into the swing of it, the process becomes second nature. And the money you save is quite substantial, especially if you normally carry a high balance every month.

The secret is finding a really great credit card website that gives you plenty of choices so you can keep the shell game going forever.

My Recommended Site:

For The Largest Possible Selection of Credit Cards At The Best Rates
http://easyapproval.ecreditdirectory.com/categories/low_apr_interest_credit_cards

Take Action - What to Do if You Lose Your Credit Card

noreply@blogger.com (blogger) — Fri, 27 Jun 2008 05:00:00 +0000

The chances are good that each and every one of us will lose or have our credit card stolen at least once in our lifetime. When talking about cash, this would be a lose-lose proposition every time. But fortunately, by law, credit cards come with built in protection in just such circumstances. When you know what to do if you lose your credit card, the whole thing is nothing more than a minor inconvenience. Here are the steps to take if the inevitable happens to you...

Be Preventative - Okay, before we move forward, let's go back a few steps. Something every one of us should do right now is to write down all of our credit card account numbers and phone contact numbers and file them away in a really safe place in case we should need them at any point later on. Make sure you have a list of every object that's in your purse or wallet, this way if something does happen, it's simple to just go down the list and notify of missing cards one by one without forgetting any of them.

Don't Panic - Even if your credit card does go missing, you might find it untouched (or right where you left it). Retrace your steps and more often than not, the missing items will turn up. And even if someone has found and used your card, you're still protected by law if you take appropriate action in a timely manner.

Assume it's Been Compromised - If you do find your lost credit card or someone else returns it to you, it's best for your own protection to just assume the worst and call the credit card company to cancel it and issue a new one. You never know if someone has already make unauthorized charges with the card or perhaps written the number down for future use. In order to minimize your liability, the only exception to this rule might be if you lost the card in your own home and then found it.

Call the Card Issuer Right Away - Again, this will not only will this prevent any liability for unauthorized charges on your part, but the credit card company will also take action to get a new card to you as fast as possible wherever you might be so you're not left stranded. They understand this happens and are usually very easy to work with in this predicament.

Call the Credit Agencies Too - If you have any concern at all that your credit card has been misused, in addition to calling the credit card issuer, you might also want to touch base with the major credit reporting agencies to let them know of the situation. They'll take action to make sure fraudulent use won't damage your credit history. Better safe than sorry, right?

Knowing what steps to take and what to do in the case of a lost credit card is something we all should probably make ourselves more aware of. By taking these steps immediately, we'll be neutralizing not only any potential liability, but also the hassle factor that comes with prolonging the situation.

Save money at the gas pump with a gas station credit card (www.gasolinecreditcards.net). Those who like to travel should fill out a airline miles credit card application (www.airlinemilescreditcards.net). Business owners should fill out a new business credit card application (www.smallbusinesscreditcards.net).

Apply Online For Credit Cards And Make Things Easy On Yourself

noreply@blogger.com (blogger) — Thu, 26 Jun 2008 17:00:00 +0000

Do you walk to your mailbox each day and pull out a few credit card offers along with the rest of your mail? Well, if you're like most Americans, you get around 1-2 credit card offers in the mail each and every week. There is an answer to all this junk mail; apply online for credit cards.

Before the Internet came along, credit card companies, banks, and other financial institutions used direct mail as there main source of building their credit card business. Although it was somewhat costly, it worked for years. Nowadays, if a credit card company gets a 1% response on their mailings, it's considered a great campaign.

Well, times have changed for sure and more people are turning to the Internet for online credit card applications. Why?

It's so much more convenient for the consumer is reason number one. You can access the Internet 24 hours a day. You also have access to much more information at one time. With the Internet, you can search and find information on literally hundreds of different credit card offers. Instead of only looking at one credit card offer you got in the mail, you can view several offers at the same time.

For example, let's say you have recently been hit with overdue bills and your credit score isn't too good at this time. No problem, you can find offers for bad credit credit cards to choose from. And these offers can all be on one site to look over. It makes comparing and reviewing the various offers so much easier. It allows you to find the right card for your situation.

When you go to apply online for a credit card, the process is extremely simple and secure. All major credit card companies use the latest technology in security for their customers.

Another important point is that most companies have online credit card approval, which means you'll be able to have an approval quickly. In some cases you'll know within hours if you are approved or not. Compare this to mailing in a credit card offer, which can easily take weeks before knowing anything.

So, when you're looking for a new 0% APR credit card, a rewards or cash back card, or even a business credit card, save yourself a lot of time and effort by going to the Internet and apply online for a credit card.

Copyright 2006 - Terry Edwards. All Right Reserved Worldwide. Reprint Rights: You man reprint this article as long as you leave all of the links active and do not edit the article in any way.

By the way, you can find out more about Credit Cards as well as get more information about all types of credit cards and credit issues at www.CreditSecretsA-Z.com

Top Tips for Choosing the Right Credit Card

noreply@blogger.com (blogger) — Thu, 26 Jun 2008 05:00:00 +0000

You’ve probably received at least a couple of those pre-approved credit card offers in the mail with those fabulously low introductory interest rates. You are urged to accept before the offer expires. Here is tip #1 Make sure you really are getting the best deal.

Read all of the credit card terms. Don’t believe everything you read in the big print. You will want to read the fine print and calculate your overall costs. Compare terms and fee structures to other credit cards that need to be disclosed on the application even if it is in the really tiny print. Here are things to check

1. Annual Percentage Rate – This is also called the APR. This is a measure of the actual cost of credit which is expressed as a yearly rate in a percentage. It must be on all account statements. The card holder might also be allowed to change the rate called variable rates. Interest rates on credit cards can vary from as low as a couple percent to over twenty percent so it defiantly pays to shop around. You also have to watch for cards with variable rates which start out low and then within 90 days take a huge jump.

2. Free Period – This is also called the grace period and it is the period in which you will not be charged any finance charges if you pay the entire balance off by the due date. It is very important to know whether the card offers a grace period. If there is a free period the card issuer has to mail the statement 14 days before the due date.

3. Annual Fees – Some credit cards offer a reduced interest rate but charge an annual fee. You’ll want to do your math to make sure it’s still a deal with the yearly fee. These cards are sold like a membership. You might get special points that build towards a new car or perhaps a trip. Generally you also get a reduced interest rate. Some cards offer travel insurance as part of the. You’ll want to read the fine print to see exactly what’s being offered.

4. Transaction Fees – These charges must be included in your contract and show broken down on your statement. They can be for things such as late payment, cash advances, or when you go over your credit limit.

5. Other Costs – Terms vary among the cards so when shopping around think about how you are going to use the card then choose appropriately. That way you will get the card that best fits your needs.

It is important that make sure you understand the terms of the card. You also should hold onto all receipts for expenditures so that when your statement arrives you can reconcile to make sure the charges are correct. These days with many cards having online access it’s much quicker and you no longer have to wait for the statement to arrive.

When you are using your card make sure you are doing your part to protect the numbers. On charges where there is a line for additional charges or tips make sure you draw a line with a zero through it.

Always keep your records stored safely away. It should include information such as account number, when the card expires and the telephone number of the card issuer. Take the cards with you only when you are planning to use them. Otherwise store safely at home.

It is always best if you use your cards and pay them off at the end of the month. Letting charges build is when users run into trouble as the interest builds.

Now that you’ve got some great tips for choosing the right credit cards the next time you get one of those too good to be true offers you’ll be better prepared to decide if it really is such a great deal.

Andy Gorton is the founder of www.debt-advice-online.com, who provide Debt Management and IVAs to UK Residents

Applying For A Credit Card - What You Need To Know

noreply@blogger.com (blogger) — Wed, 25 Jun 2008 17:15:00 +0000

One of the downsides of today's times is that people tend to acquire several things they don't really need. Numerous gadgets, high-tech toys and valuable services have surfaced which target a vast ocean of consumers. This emergence of various "time saving" inventions somehow blinded people.

Since finances are usually most peoples major concern a wide array of financial management services and financial options have emerged. The most commonly used product in the unending line of financial services is the credit card. Many people will testify for the financial convenience you get when you apply for a credit card.

When people apply for a credit card, there is always a reason. It can be for family emergencies or needing extra money or in preparation for a big expenditure such as a vacation. But, no matter what the reason is, people apply for a credit card because of the ultimate convenience it brings. Now if you've been on this planet long, you have had your share of "pre-approved" credit card offers dropped in your mail box.

Most people are quite vulnerable when they apply for a credit card, and virtually ever credit card issuer lures these people in by giving low introductory APR, and no annual fee offers among the numerous "perks." By the end of the year the APR has been increased to the state maximum allowed, and they've tacked on a large annual fee. This is completely legal in most cases, and you're stuck paying the bill.

There are three easy steps you should follow if you have decided to apply for a credit card. First, read reviews of the various credit cards being offered. A great resource on the Internet to compare credit cards and apply online is SmartCardShopper.com. Using this credit card comparison website you can learn about the different credit card terms and types as well as read reviews. Second, you can compare numerous credit card offers all from one place. Lastly, you can apply for the credit card of your instantly by clicking the "apply now" button for any offer. This is a online resource that allows you to research, compare and ultimately apply for the right credit card offer so you don't get stuck with a dud. This also keeps you from responding to the credit card offers in your mailbox, which lets credit companies know you're a desperate consumer and not an informed consumer.
Tim Masteson www.SmartCardShopper.com

How To Choose A Credit Card

noreply@blogger.com (blogger) — Wed, 25 Jun 2008 05:00:00 +0000

Choosing the right credit card, experts say, can be just as important as finding the right auto loan or even the right mortgage. The money that you can potentially borrow with a credit card over time can easily exceed the amount you paid for your last car and can approach the amount you took out for your mortgage - so it makes perfect sense that you should take your time when choosing the right credit card.

Many people simply look for the lowest interest rate when choosing a card, and while a low interest rate can be important for many credit users, there can be more important considerations for some users.

For example, if you routinely pay off your credit balance each and every month and carry no balance forward, then the interest rate that your card carries is of no concern to you. What would be of great concern to you, however, is the grace period - the number of days between the time you purchase an item and the time that your card begins charging you interest. If your balance is paid in full each month, and it is paid within the grace period, it is quite possible to use a credit card for years without once paying a penny in interest.

If you normally carry a small balance from month to month then the interest rate on the card you choose becomes more important - and the importance increases with the size of the balance you generally carry.

There are other considerations beside the interest rate that you may wish to consider when choosing a credit card. If you use ATMs frequently then check carefully for the ATM fees that a card has, because excessive ATM fees is where many banks make a large portion of their income. Some cards also have a yearly fee.

What are the late fees if you miss a payment? Is there a monthly "transaction" fee or other similar fees? Monthly "transaction fees" can quickly destroy any other savings that you think a card is providing for you. Does the card you are considering have other types of fees that could apply to the way that you typically use your card?

Perhaps you frequently rent a car and a card with free rental insurance would be most valuable to you. Perhaps you feel that bonus points based on your monthly purchases are something you could use, or perhaps you need frequent flyer miles or another similar perk.

Once you have determined how you normally use your card and what types of fees will be most costly for your particular lifestyle and your particular financial situation -- plus which perks would be most useful for you - then it's time for you to compare as many cards as possible, side by side so that you can assess each and every feature to find that one card which is a perfect fit for YOU.

To do that you need a website that lets you quickly and easily skim through hundreds of credit cards and lets you see the good points as well as the bad points of each card. Only in that way can you ever hope to find your perfect plastic match.

My Recommended Site:
For The Largest Possible Selection of Credit Cards At The Best Rates www.easyapproval.ecreditdirectory.com

Air Miles Credit Card – A Great Way To Keep Flying

noreply@blogger.com (blogger) — Tue, 24 Jun 2008 14:58:00 +0000

There are many credit card issuers that offer air mile cards. The credit card features, rewards and bonuses vary greatly from one issuer to the next. So, it is very important to compare air miles cards from different companies before you select one. Most airline cards offer you 1 point or mile for every dollar you spend. Some companies still have blackout dates for users of airline card points so, when you select your card, you will want to select an airline miles card that has no blackout dates.

Be discerning about the purchases you make with your airline miles card. Some of the purchases you make with your card may not have point value. Your card company, customer service group can give you the information you need to have to make the most rewarding airline miles card purchases. It is also true, that you will want to make large rather than small purchases. Your bigger, qualified purchases are going to pay you the most reward points.

Do not forget about the importance of the Airline card interest fees and annual percentage rate (APR). Once you have found a card you think you are interested in, upon checking more thoroughly the APR of the card, and the card interest fees; you may find that your rewards are not as great as you thought they would be, when the reward deals are weighed against the fees and APR. Rewards should be just that, rewards.
So do not get tricked by the fine print and technical language.

Airline cards have been around for years and they are getting better and more popular with travelers. At this time, your airline card points are not limited strictly to airline travel. These card points can also be used for car rental, hotel and other travel expenses as well. Research your card thoroughly to find out what other travel related expenses may be paid for with your airline card points or miles. And, perhaps, most significant, to keep your travel expenses down; you should use your card often, to get maximum point accumulation and therefore maximum rewards.

All flyers and travelers should have airline miles cards. They can be extremely convenient and provide many travel discounts if the card does not have large, accompanying interest rates and other fees. If you do your research well, you can readily find an airline miles card that fits your needs without the card being too expensive to use. And do not forget to find out all the rewards connected to your airline card before you select it. It is plain to see, if you make a great airline miles card selection you will also be making a great lifelong investment.

Art Taylor has been a successful internet marketer for 10 years. He publishes articles about credit cards and other internet marketplace products and services. To gather more information or apply for credit cards visit his website at www.ecreditcardworld.info

Choosing The Right Credit Card For You

noreply@blogger.com (blogger) — Tue, 24 Jun 2008 05:00:00 +0000

It's easy to find a credit card with a low introductory interest rate. Many credit cards in the market have lots of offers to entice customers. It's finding a card with great terms in the long run that can be difficult. Opening and closing credit cards affects your credit so it's best to find one you can live with before applying.

The most popular credit cards are Visa, MasterCard, American Express and Discover card. Each has its own website that you can check out for offers. You want to select a card with a reasonable annual fee or one without an annual fee at all. Some cards, like the American Express Platinum card, charge an annual fee but provide side benefits such as free airfare for your companion.

Most cards also offer roadside assistance, zero liability on unauthorized charges, rental car insurance coverage, and other benefits.

If you like to be rewarded for using the credit card, search for a reward card. If you love traveling, airline cards are the best choice. You earn mileage which you can exchange for airfare while you use the card for everyday purchases. Other reward cards allow you to select your reward, which can be gift certificates, merchandise, hotel stays or cash, to name a few.

Specialty cards may offer free credit scores, discounts on your utilities, theme park tickets, or allow you to support a cause or charity by donating your reward earnings.

Another type of reward card is a card that gives you rebates. Most of these cards give one and five percent on qualified purchases. There are some cards that give gas rebates. It is often better to use these cards at stand alone stations rather than at wholesale club stations to get the maximum rebate.

Whatever card you select, make sure you read all the fine print. Remember that interest rates and annual fees may increase quickly. If you know all these details beforehand, you will most likely be happy with your chosen card.

To maintain your good credit standing, don't overspend on your card. Pay off your balance every month. It is recommended that you keep two or three major cards for your credit purchases, such as Visa and American Express. You may also opt to keep an emergency card for future use.

Find more info and a great selection of credit cards right here. Visit Top-Ten-Credit-Cards.com for the best credit cards.

Before You Compare Credit Card Offers

noreply@blogger.com (blogger) — Mon, 23 Jun 2008 19:31:00 +0000

Are you thinking of applying for a new credit card? If so, you may want to begin asking yourself what your personal financial goal is. After you’ve recognized your own needs, you can then pick the category of card you desire and begin your journey to compare credit card offers.

For a student who is applying for a first credit card there are a number of credit cards available that include a variety of features. The benefits of each card vary and can include 0% APR introductory, no annual fee, and rewards offered such as cash back, selected merchandise and entertainment

Quite often a student credit card has a lower credit limit which is actually a plus. It introduces the student to the world of credit, while limiting the chance of running up too large of a bill. An added bonus of a student credit card is it helps to build that needed credit rating which is important in today’s world. Of course, the student needs to maintain the credit card account in accordance to the issuing company’ terms and conditions.

There are available airline credit cards. But if you wish to travel on more than one airline, perhaps a rewards credit card that offers bonus travel points would be more suitable. The benefit to a reward card would be that the owner has a choice of how to spend those bonus points. In addition to air miles, the added choices include cash back, selected merchandise, entertainment and gift certificates.

If you already have a number of credit cards that you’re paying the minimum balance and they charge an interest rate of more than 0% APR, you might consider a balance transfer credit card. With an introductory 0% APR, you could have anywhere from six to eighteen months to pay down your debt interest free.

Even if you already have bad credit there are still credit card opportunities for you to apply and even receive instant approval. A credit card for people with bad credit, has a higher interest rate than cards for more stellar credit. However you can avoid these higher fees if you pay your balance billed each month. After you’ve been able to rebuild your credit, you can then talk to the issuer and get a lower interest rate or reapply for a lower interest credit card.

Two additional cards are available for people with bad credit or for people who don’t really want to owe on a credit card, but need a card for the convenience of ordering merchandise by telephone or on the internet. These are prepaid credit cards and debit cards.

These two types of cards can be obtained by completing an easy application and making a specified deposit. They work just like a regular credit card and are also accepted at any ATM machine, giving you total access to your available funds.

Bradley Carson is the editor and webmaster of Apply Online For a Credit Card at www.cards-king.com A website established to provide concise information about credit cards and credit card offers from premier financial institutions.

Credit Cards - What To Watch Out For

noreply@blogger.com (blogger) — Fri, 20 Jun 2008 07:41:00 +0000

Over your lifetime it is likely that you will borrow (and, hopefully, repay) more money on your credit card than you will spend buying cars and possibly even as much as you spent on your home. This makes your choice of which little piece of plastic you carry in your pocket or purse extremely important. And that's why you need to watch out for certain "tricks" that card issuers use to trap you into using a credit card that's all wrong for your lifestyle and your financial situation.

The majority of people carry a balance due on their credit card from month to month. This, of course, means that they pay interest on the money they borrow. Therefore, for the majority of credit card users, the interest rate on their card is extremely important.

Watch Out For "Low Introductory Rates"

Banks know this, obviously, and one thing they use to get you to choose their card over any other is a come-on known as a "low introductory rate." This is a low interest rate which only lasts for a certain amount of time - usually 3 to 6 months. At the end of the introductory period the interest rate on the card spikes up to the normal rate that you will be paying - often as much as 10 times more than the introductory rate.

Often the normal rate for a card will be hidden in small print - the smaller the print the higher the normal rate will be once the introductory honeymoon is over. Often the normal rate for a card with a super-low introductory rate will be far higher than the normal rate for most other cards.

What the bank is counting on, of course, is that you will simply not look at what the normal rate will be or that you will be too lazy or forgetful to do anything about it once the card's introductory period is over. Then they've got you.

Taking advantage of a bank's low introductory rate on a credit card can be a good, solid financial move. Just make sure that you are taking advantage of them and not the other way around. If your card is about to revert to a much higher non-introductory rate, be prepared to switch your account to another card. Keep accurate records and don't get lazy. In this way you can actually beat the bank at its own game and save money rather than lose it.

ATM Fees Can Kill You

ATM fees are another area where banks really stick it to the average consumer. Many people practically live at the local ATM machine and banks know this. Many cards have excessively high ATM fees. If you use ATMs frequently then this is one of the fees you should watch out for most as these fees have an insidious way of eating up any "savings" that you may think you are getting in other areas of your card and bleeding your dry for years to come.

"Maintenance Fees" Are a Hidden Form of Interest

"Maintenance Fees" is a clever marketing term which banks made up to try and hide the fact that they just want to charge you another fee every month. In effect, your "maintenance fee" is a hidden form of interest on your card. They may brag about their low-interest-rate card, but they make up for it with their monthly "maintenance fee."

Banks and credit cards are like magicians, using smoke and mirrors and sleight of hand to try to fool you into thinking that high rates are low rates and that fees don't really matter. There's really only one way for you to protect yourself from hidden fees and charges which banks and credit cards don't want you to notice and that's by finding a website where you can compare dozens of different credit cards side-by-side and head-to-head, with all of their fees and rates exposed so that you can make a considered and careful choice for the credit card that right for YOU.

My Recommended Site:

For The Largest Possible Selection of Credit Cards At The Best Rates This is My #1 Recommendation www.easyapproval.ecreditdirectory.com

Finding The Credit Card That Best Fits Your Needs

noreply@blogger.com (blogger) — Thu, 19 Jun 2008 20:39:00 +0000

Anyone can find a credit card offering a low introductory interest rate. Many credit cards out there advertise offers to entice customers. The challenge is to find a card with the best terms that you can live with. Opening and then canceling a card affects your credit score, so it is preferable to select the one that meets your needs before applying.

The four major cards are Visa, MasterCard, American Express and Discover. Each of these cards has a website you can check out to view their offers. You want to find a card that charges a reasonable annual fee or if possible, none at all. There are some cards that charge an annual fee like the American Express Platinum card, but offer fringe benefits such as a free airline ticket for a friend.

Most major credit cards also throw in additional benefits like roadside assistance, zero liability on fraudulent charges, and rental car insurance coverage.

Look for what is called a reward card if you want to earn rewards by using the credit card. If traveling is your thing, the best card for you may be airline cards. While you continue to use the card, you earn mileage which you can exchange for a ticket. Some reward cards give gift certificates, merchandise, hotel stays and cash to loyal customers.

There are also what you call specialty cards that give free credit scores, discounts on utilities like phone bills, and theme park tickets. Some specialty cards also benefit various causes and allow you to donate your rewards to a charitable institution.

One other kind of reward card is one that offers rebates. A majority of these cards reward you one to five percent on eligible purchases. Some cards specialize in giving gas rebates. It is usually best to use these cards at a stand alone station instead of a wholesale club station so you get the full rebate.

Whatever card you choose, be sure you read all the terms and conditions. Keep in mind that interest rates can change dramatically and annual fees can be steep. If you know what to expect, chances are you will be satisfied with your choice of credit card.

To keep your excellent credit score, don't max out your card. Avoid carrying a balance but pay off the entire statement balance each month. It is best that you keep two or three major credit cards like Visa and American Express for charge purchases. If you want, you may also keep a card for emergency purposes.

Find more info and a great selection of credit card applications right here. Visit Top-Ten-Credit-Cards.com for credit cards and other financial info.

How To Get A Credit Card No Matter How Bad Your Credit Rating

noreply@blogger.com (blogger) — Thu, 19 Jun 2008 20:30:00 +0000

Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.

All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.

But bad credit is not the only reason you can be denied a major credit card. Some people simply have never used credit. People who like to pay cash only, have never financed a car, taken out a college loan, or a mortgage may have zero experience with credit. In that case, most card companies will reject your application, not because you have bad credit -- but because you have no credit rating.

Many women who marry young and do all their borrowing under their husband's name often find themselves with no credit rating after they are widowed or divorced. Thousands of women have been denied loans and credit cards on that basis.

Still other people carry too much debt to be considered a good risk. If you have a car loan, a student loan, a mortgage, two or three -- out cards, you are unlikely to be granted another credit card.

But in any and all of the above cases, you can still obtain a credit card. No matter how bad your credit, and even if you have declared bankruptcy, you can still be granted a VISA or Mastercard with a limit as high as $5,000, if you know the right company to call, and how to make your application.

We are going to reveal these card companies and the methods by which you can obtain a VISA or Mastercard later in this report, but first, let's talk about some of the other things you really should know about credit cards, including annual fees, interest rates, credit reports and more.

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Your Credit Rating

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How do credit card companies decide if you are a good credit risk or a bad credit risk? Well, it's sort of a Big Brother thing. There are several large agencies in America which track the borrowing and buying behavior of just about every single American who has borrowed money at one time or another.

The four major credit rating agencies are:

CSC Credit Service :: (Phone: 800-392-7816)

TRW Information Sys. :: (Phone: 800-392-1122)

Equifax :: (Phone: 800-685-1111)

Trans Union Corp. :: (Phone: 800-851-2674)

When you send in an application for a credit card, the card company contacts one of the above agencies, which pulls your file, if one exists, and let's the company know if you have any bad debts in your background.

If you have never borrowed money or used credit of any kind, your name will not appear in the data base of any of the above. If you have, there will almost certainly be information about you. If you have ever defaulted on a bill, or walked away from a debt owed, that information will be available. If you have never defaulted on a loan, but have made frequent late payments, that is recorded, too, and goes against your credit rating.

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25 Percent Error Rate

======================

If this sounds a bit like Big Brother, most would agree with you that it is. It's scary to think that some large anonymous corporation is keeping a file on you, but it's true. Furthermore, they will share your file with any lending institution that wants to know something about you. That's the price you pay to obtain credit. You've heard the statement, "there ain't no such thing as a free lunch."

When it comes to the game of credit, the lunch is definitely not free, neither in the monetary sense, or in the realm of personal freedom.

To top things off, credit agencies make errors in as many as one-fourth (25 percent) of all their reports. At this minute, false information about you may be ruining your credit rating.

To check your credit rating for errors, call the agencies at the numbers I provided above. They will request that you send them a written letter asking for a copy of your credit report. They will send you a copy of the information they have about you.

Now let's look at how card companies make the big bucks -- interest rates.

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Interest Rates

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A few decades ago there were laws against charging the kinds of interest rates credit cards get today. Exorbitantly high interest rates were called "usury," and were forbidden by federal law. Just 30 years ago loaning money at 20 percent would have landed any banker in prison. Such rates were the territory of loan sharks and organized crime.

Today, however, it's standard business. Some cards have rates approaching 21 percent. Some product manufacturers, such as Apple Computer, have credit plans that push a whopping 23 percent.

Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. But what they only tell you in the fine print, which few people bother to read, it that the interest rate jumps back up after six months. Many cards that start you out at 6 percent soon jump to 18 percent, or higher. By that time, most people have chalked up a balance and are stuck. Most people simply fail to notice when their rate increases. Credit card companies count on that. They like who take no interest in details. If you don't watch them, they'll watch you -- and your wallet -- and dip into it in the most insidious ways.

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No Annual Fee Cards

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Some credit card companies charge no annual fee for use of their card. Annual fees range from $18 to $55. You pay it every year simply for the privilege of using the card. Other companies charge no annual fee. You might think, then, that this is a better deal. Most often they are not. Cards with no annual fee almost always have a higher interest rate. If you leave a monthly balance, you'll always pay more than the annual fee in interest charges. Only if you never leave an unpaid monthly balance can you benefit form a card with no annual fee.

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Perks and Freebies

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One of those insidious ways is the offer such perks as frequent flier miles or annual rebates. Use the card so often, and get X amount of frequent flier miles. Use your card, and get credit toward the purchase of an automobile. Is this a good deal? Hardly ever. As you might have guessed, the offer of rebates and gifts is simply an inducement for you to pay super high interest rates. Unless you are a big spender and travel a lot, you'll rarely benefit from this kind of promotion.

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Be Choosy

==========

In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.

========================

How To Get A Lower Rate

========================

What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you'll get one -- it's as simple as that.

As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That's okay if you score a lower interest rate.

=================================

How Anyone Can Get a Credit Card

=================================

Now what about all of you "hopeless cases" out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?

First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.

Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind -- a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.

On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere -- and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.

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A Secured Card

===============

If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.

A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.

Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.

Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.

Which card companies offer secured credit card plans?

The following:

(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)

CitiBank -- Minimum deposit is $300, which earns 4%.

Call: 800-933-2484

Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.

Call 800-285-9090

Orchard Bank -- Minimum deposit is $400, which pays 4%

Call 800-873-7307

Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.

Call 800-228-2230

Signet Bank -- Minimum deposit is $200, which earns 5%.

Call 800-333-7116.

Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.

Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a safe, responsible way to control your spending, and you actually earn money though interest on your deposit while you enjoy the use of your card.

===================================================================

Copyright © Andre Vas, Direct-Credit-Card.com, All Rights Reserved.

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But Can't Get Started, Don't Know Where To Go, Or Simply Feel
Overwhelmed With The Insane Amount Of Credit Card Offers...

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Credit Card Offers - The Top 3 Benefits To Spot

noreply@blogger.com (blogger) — Thu, 19 Jun 2008 17:56:00 +0000

Hardly a day will go by without you getting an offer to apply for a credit card, either by the traditional mail service or online. If this is something you are considering doing, there are several key issues that you need to understand before you decide which credit card offer is right for you.

All credit card offers will offer benefits. Finding the one that fits your needs is the key!

Let's discuss a few of the things you should be aware of before you apply for any credit card offer.

1. What Do You Need The Card For?

This is the first and most important question you should ask yourself. Your answer will help to decide just what type of card and what incentives will work best for your needs.

For example, if it is for business use, look for a card that offers a cash-back for business purchases or membership to a discount buying club. Most companies will offer a low introductory rate for a specified amount of time but you need to know what it jumps to when that said time has expired. It may work best for your business if you find a long-term, more moderate interest rate than be stuck changing cards every few months to keep your interest in check.

If the card is for personal use, decide why and for what do you really need it for. If you plan on using it instead of cash and checks throughout the month but plan to pay it off each month, know what the card's grace period is and what happens if you miss it.

Pick a card that offers reward points even if you don't carry a monthly balance. This can be a great way to rack up the frequent flyer miles as long as you're disciplined enough to use it this way.

2. Know The Interest Rate

Many card companies will offer an initial interest rate that is quite low, sometimes even 0%, for a designated period of time. This rate usually applies to both transferred balances and new purchases.

What you need to know is what happens after the introductory phase has ended. Will the interest then skyrocket? Will the interest rate be more moderate as long as you have a good payment history? Look for hidden costs such as an annual fee or a cash advance fee. These are important to know if you plan on using your card effectively.

3. Incentives

Many cards also offer a whole list of incentives with their application request. Although many of these are nice, usually you have to use your card a great deal to get them.
This can become a kind of trap. You know, buy more to save more.

If you're going to use your card anyway, then you might as well have something to show for it. Look for cards that offer incentives that interest you and you would actually use.

Ewen Chia is the owner of Free-Credit-Card-Offer.com providing free credit card information for everyone.You can receive a free credit card at his site too: Free-Credit-Card-Offer.com

Understanding Credit Card APR

noreply@blogger.com (blogger) — Wed, 18 Jun 2008 20:22:00 +0000

If you have a credit card or are looking to get one, it is important that you understand the ins and outs of credit card APR. Credit card APR is the biggest factor in determining how much you pay for your credit card, and so to get the best deal you need to know what it is and how it works. Here is some advice regarding the ins and out of credit card APR.

What is APR?

APR stands for Annual Percentage Rate, and is a measure of the cost of the credit you borrow. The APR is the amount that you pay yearly in interest on the money that you borrow on your credit card.

How much is credit card APR?

Credit card APR can vary massively depending on your financial situation, the type of card you want and the deals on offer. Generally, credit card APR ranges from 10-18%. If you shop around then you will find the best deal for your needs.

How do I find out the APR?

Credit card APR is very easy to find out, and all lenders are required to tell you the APR of a card before you sign up for it. Also, credit cards are generally advertised by the cost of their APR.

Comparing APR

If you are trying to find the best credit card deal, then there are many places online where you can compare the various APR rates of credit cards from different lenders. Although there are other costs involved with credit cards, generally a lower APR is better.

O% APR deals

If you are looking for a credit card, then you might see 0% APR credit card deals advertised. Although many of these deals are not what they seem to be, there really are some great introductory offers to be had. Some cards do offer 3 or 6 months with 0% APR, meaning that you can use your credit without paying any interest during this period. This gives you basically free credit, providing that you pay it back in this time.

Drawbacks of 0% APR

The drawbacks of these deals are that there are often hidden costs involved, such as high fees if you miss payments or go over your credit limit. Also, once the 0% period ends the credit card is generally has a higher APR rate than other cards. To use 0% APR cards to your advantage, you should look for one that has a fairly low rate after the initial period, or swap cards once the 0% period ends. If you invest a little time and effort you can skip from 0% APR to 0% APR on various cards. Of course, this can make you look financially unstable so you should be careful when swapping cards frequently. However, if you understand APR rates then you will be able to find a great credit card deal.

Peter Kenny is a writer for creditcards-gb.co.uk Please visit us at 0% Credit Cards and Credit CardsVisit www.creditcards-gb.co.uk