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The road to credit card debt is piled up with good intentions – Mistakes to avoid

Posted by on Oct 8, 2012 in Credit Cards for Bad Credit, Debt Consolidation, Debt Counselling | Comments Off on The road to credit card debt is piled up with good intentions – Mistakes to avoid

The road to credit card debt is piled up with good intentions – Mistakes to avoid

Whether due to carelessness or confusion, credit card debt is too common among the credit card holders in the US. You may end up in blows due to racking up credit card debt, irrespective of the reason. A single slip-up can lead to higher interest rates, unwanted fees and lower credit limit that will soon lead to a ding in your credit score. The road to credit card debt is most often paved with good intentions but by taking too many good financial moves, you land up in a financial disaster. There are too many debt questions hovering in the minds of the debtors and majority of them are not able to get back on track due to sheer ignorance. As there are many who forget that credit cards are loans that need to be repaid, there are an increasingly large number of people who are overburdened under the crushing burden of debt. Have a look at some of the credit card mistakes that you should avoid making in order to keep high interest debts at bay. Does substituting credit for cash lead to credit card debt? There are many credit card holders who love to substitute credit for cash while purchasing things and they’re the ones who incur debt sooner than the others. If you have the habit of purchasing the everyday groceries with your credit cards, you might still be paying off the debt amount long after you’ve consumed the goods. Debit cards are still better but when your wallet is stuffed with credit cards, all you can do is to restrain yourself from resorting to them. Use cash instead of credit while buying things. Does paying your bills late boost your high interest debt? Yes, according to most financial analysts, making late payments is the biggest foul when it comes to credit cards. The consequences can certainly include late fees, lower credit score and jacked up interest rates. Once you start defaulting due to the high rates and the rising monthly obligations, you will start piling on debt. Cards that carry APRs like 13.25% can jump up to 29.99% due to a late payment. You certainly can understand the boost in the monthly payments! Can mismanaging balance transfers increase the amount you owe? Transferring debt from a high interest card to a low interest rate card can certainly make enough financial sense but only when you read the fine print of the new card. Bungling balance transfers will certainly end in increasing the debt amount that you owe. If you ignore reading the fine print of the new card or you misunderstand the agreement of the card, you can end up boosting your credit card debt level. Determine the introductory period so that you may know the time for which the low rate will prevail on the card. Then ask yourself whether you can transfer the entire balance within that period. Choose to transfer your balance only when you can pay on time. Does making just the minimum payments keep you indebted for a longer time? Most of us are aware of the fact that we should make more than just the minimum monthly payments on our credit card bill. But how many of us are able to do this? It’s certainly easier to devote that...

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Online Credit Card Services

Posted by on Sep 27, 2012 in bad credit loans, Blog | Comments Off on Online Credit Card Services

Online Credit Card Services

The Secret Of Online Credit Card Services The majority of us has credit cards and wishes the service fees were less. We have dealt with the services fees that banks charge on credit cards and have always assumed that there was no other choice that we had to deal with the processing fees if we wanted credit cards. The truth is, this is no longer the case, and it is possible to save money on processing fees as a result of online credit card services. Rather than applying for new cards with lower rates it is now possible to use your old cards and save money on processing fees. The internet has had a major effect on virtually every aspect of the finance and retail world. Credit cards are not any different; they have also been affected by technology. The internet companies are third party companies that are designed to save you money on your credit card processes. These are not services offering discount credit cards that will replace your current cards, but rather businesses that actually take over the processing of your current credit cards. They allow you to keep the same credit cards and save money on processing fees. The banks have gotten lackadaisical about these services and have assumed that they had control over these fees and that there was nothing you could do about it. The online credit card processing services have changed that. The banks were not prepared for that and they hoped you would not find out about it. The banks did not count on these third party services to come along and change the way they have been doing business. The banks are suddenly no longer just sitting back comfortably processing everyone’s credit card fees. Their pockets have been hit hard as many people transfer their credit card services over to these third party companies. They would prefer you didn’t not change who processes your credit card services. They would like for you to be kept in the dark about these services. However if you feel like you should be saving money on these services then you owe it to yourself to research these companies on line. Want to find out more facts on this topic without the fluff? Go to the net’s leading resource on this issue! Click here now!: credit card deals and best credit card rewards Source:...

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Credit Cards Guaranteed Approval

Posted by on Sep 27, 2012 in Credit Card guide, Credit Cards | Comments Off on Credit Cards Guaranteed Approval

Credit Cards Guaranteed Approval

Understanding Credit Cards Guaranteed Approval Credit cards guaranteed approval are the type of credit cards that are available for people who have bad credit. Bad credit accumulates to a person when they don’t pay their loans or delay loan repayments. The guaranteed approval is afforded to people in a way that guarantees them of getting paid credit regardless of how bad their credit history may be. The reason why these are there is to afford people with bad credit to get back on their feet when times are hard. So instead of having to wait for what seems like forever to get a loan application approved at a formal credit institution you will only have to wait for a few minutes. These applications are approved quickly and conveniently. Before signing and agreeing to such credit card facilities you must make the appropriate research. Doing the right research starts with the terms and conditions. Read through them carefully so that you know what to expect. By so doing you get to know about the rate of interest and the annual fees required. This can help you make the choice that best suites your earnings. Some of these credit cards are given on the condition that you furnish the creditor with security. Security can be money or assets of such a value that you will definitely try to make sure that you pay what you need to pay on time. There is the option f paying a deposit as security or you can have a person who guarantees payment and it is then left to you to pay whatever is required. When making applications for bad credit credit cards you must be careful not to make too many of them at the same time. When you do so you show the credit bureau that you’re a reckless debtor and that will reflect negatively on you credit record. One last thing is that some of these credit card applications are actually done online. So without leaving your home or workplace you can actually make an application and have it approve within minutes or hours. This convenience and speed has totally revolutionized the business of credit. Stand out from the others in your situation and get advice that works! Check out the net’s leading authority on this topic today, go to the site now!: credit card deals and apply online for credit card Source:...

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Credit Card Security Advice

Posted by on Sep 25, 2012 in Apply for credit card | Comments Off on Credit Card Security Advice

Credit Card Security Advice

Credit Card Security Advice Credit cards are very useful to have and to use. And many of us use them often, sometimes even daily. We use them for online purchases, local businesses and even for paying bills over the phone. There is no doubting the convenience of using credit cards. However, with so many credit cards in use, crooks have many opportunities to steal the information and commit credit card fraud. Many people fear that they will be a victim of such crime, and for good reason! It is a very real threat indeed. Happily, however, there are steps that you can take to protect yourself if you are ever the unfortunate victim of credit card crime. For instance, if someone ever steals your credit card, you should quickly call your credit card company and tell them what has happened. It is a good idea to store the phone number of your credit card company in a place where you can easily find it in the case of an emergency. When you call them to report the theft, they can deactivate your card so that the crook cannot use it to make purchases. Generally, you will not be held responsible for fraudulent purchases made with your credit card. Another useful thing to do when your card is stolen is to call the credit reporting agencies. If you let them know what has happened, they can put a fraud alert on your account. If a fraud alert is on your account, thieves cannot open any additional accounts under your name. TransUnion is one credit reporting agency you can call (1-800-680-7289). Another one is Equifax (1-800-525-6285). Documenting the status of your credit is also important. Each of the major credit bureaus will give you one free copy of your credit report each year. but if there is a fraud alert on your account, they may give you an additional copy free, even if you have already requested your free copy for the year. It is important to have proof of your credit standing before the fraudulent activity has been reported. And even though it may seem like a lot of work, filing a full identity theft report is a wise thing to do. The first part of these two part report can be filled out by going to your local police station. The second part will probably need to be filled out with a consumer reporting agency. Hopefully, your credit card information will never be compromised. But if you should become the victim of fraud, these tips will help you take control of the situation as quickly and efficiently as possible. It is better to be safe than sorry! Author Mark Mahaffey is a security expert who can teach you how to keep yourself safe from crime. To learn more about credit card security as well as home and business security in San Diego, visit his site. Source:...

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Investments Need Not Be Bad All The Time

Posted by on Sep 9, 2012 in investnent | Comments Off on Investments Need Not Be Bad All The Time

Investments Need Not Be Bad All The Time

Investments Need Not Be Bad All The Time Have you begun to plan for your retirement? You may be thinking “How in the world is that possible with all of my debt and bills?” However, everyone should plan for their retirement. Even if they start late, they should start as soon as possible when the stock market is going good. It is a very good question that I am often asked. I will not waste your time proposing dumb answers, although I have heard many. And when I hear someone give one of them, I like to ask another question, namely “how much commission do you earn if I follow that advice?” There are in fact four four correct answers to the title question. Now that is getting your money’s worth! With the Power of Compounding (another future article), the answer is: the sooner the better. Just like the answer to “when is the best time to plant a tree?” (the correct answer is 20 years ago), we can settle for now as being next best. Sir John Templeton says compounding is simply the interest, dividends, or gains you earn on the earnings from prior years. A simple example: if you earn 12% per year (realistic) on an investment of 100, your total after ten years is not 220 (100 + (10 x 12% x 100)), it is 310.6. And that same 100, earning 12% after 50 years, will be worth 28,900. Try the calculations! Each year you earn 12% on not just the principal (original amount) but also the earnings accumulated over the prior years. Income protection safeguards your retirement fund in two ways: it allows you to continue saving or at least prevents you from unnecessarily depleting your retirement savings. Being unable to work can have a crippling effect on your contributions. Those without insurance are tempted to withdraw from their retirement plans, even if they incur penalties. Income protection safeguards against employment interruptions, which can lead to retirement fund depletion. Your goals will be determined by your needs; this will be done whether it is by you or your financial advisor. You will need to factor in current income, living expenses, debt, bills, lifestyle, and what goals and dreams you have for your lifestyle after retirement. You will need a certain amount of savings and investments to realize your retirement needs and wants. There should also be a cushion in cases of emergency, illness, death, or any unforeseen circumstances. There is no better time than the present to begin saving for the future. It is necessary to prepare for that and more. You can also factor in what you will be receiving from social security benefits; however, this should be the amount with the least importance. It is rarely enough to live on, and it should be used as part of the extra and cushion factor. Sir John Templeton was the person who pioneered the investment fund business in the U.S., and later the concept of global investing, before most Americans knew there were other financial markets. He lived his later years living comfortably in the Bahamas. He is one of the real gentlemen of the investing industry who invested other people’s money (and his own) very wisely. The first insight seems obvious – if you...

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Make Money When Trading Options

Posted by on Sep 9, 2012 in investnent | Comments Off on Make Money When Trading Options

Make Money When Trading Options

How Do You Make Money When Trading Options The securities niche is actually another of the extremely common means for you to produce dough. In the actual securities niche a new very useful approach to build up riches is stock options dealing. I personally achieve 15 to 19% just about every 4 week period by getting and selling stock options, more particularly put options. Generally there will be not one but two features to put options investment. There is the aspect associated with protective coverage on your account balance, sometimes known as getting an insurance policy for your stock, and then there is the wealth building, once a month cash flow side aka getting money to own a stock. Let’s take a speedy glance at both. Purchasing Insurance with Put Options By being the buyer of a new put options contract, there is an “option” to be able to offer a stock having a certain rate up until you might get rid of your option or the option expires. Many investors take advantage of puts to shield their own account from serious changes to the downside in addition to secure net income. As an example, lets say an investor obtained a stock and it increased in price by roughly $10 for every share. That is a really major move. At this point the real question you may be asking is…must you grab gains now or allow it to ride? Additionally you need to consider that should you choose to do nothing, your profits may very well be destroyed in minutes with a bit of bad news. Considering zero measures is one of the worst actions to take in the securities market. So How Do you React In This Situation? You can purchase a put option at a strike price level that is a couple of prices underneath the existing cost of the stock. By doing this, you’ll be able to offer the underlying security at that strike price no matter what transpires with the cost of the actual stock or share. For example, if you acquired the commodity at $75, which then raised to $250, you can actually acquire the put option offered at the $240 strike price. Because of the $240 put option, irrespective of how incredibly low the stock goes, it is possible to still pass it on at just $240! So, if the particular security falls to $30 for every share, you can easily Always market it at $240, visualize this for a moment…let it sink in. Producing Periodical Residual Revenue by having Put options On the other hand of this put options coin is how you can build immense success with options through residual income on a monthly basis. In order for any stock trader to shield his stocks by buying protective puts, he / she needs to have someone else prepared to get rid of those put options by selling to him. I personally earn cash each and every month by trading put options against stocks I will be prepared to personally own and sometimes even up against companies which I rarely mean to own. The key to actually putting together immense success with the help of put option trading is to sell puts for stocks you would not mind having and to also...

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personal loan and get the cash you need fast

Posted by on Sep 9, 2012 in bad credit loans, Personal Loans | Comments Off on personal loan and get the cash you need fast

personal loan and get the cash you need fast

Quickly qualify for a personal loan and get the cash you need fast. Loans up to $35,000 are available for a wide range of purposes, including: Debt consolidation – Home improvements – Emergency or unexpected expenses – Major purchases More about Personal Loans Personal loans are often used to pay down and consolidate debt on high interest credit cards, unsecured personal Loan can give you the credit you need, even with bad credit,  emergency or unexpected expenses, medical bills, education tuition, home improvements bills, moving costs, weddings, paying taxes, and more. An unsecured personal loan could be a good option regardless of whether you have a good credit or bad credit history. Depending on how much money you need as well as your repayment strategy, personal loans can be more beneficial than some other types of financing. personal loan or personal line of credit and receive offers from our network of lenders, You do not need to provide collateral for an unsecured personal loan to back the money that you borrowed, therefore the interest rates, loan amount, and term of the loan will vary depending on your credit rating. The higher your credit score, the less of a risk the bank or lender see you as, and lower an interest rate you will be offered. Personal loan applications are often a fast and simple process, and you may find out within a 24-hour period whether you qualify for the loan. Receiving the money is also a speedy process as the funds are usually available within a few days after an application is fully approved. Personal Credit Lines and Loans Consolidate your debt or borrow money as personal loan or line of credit. Calculate your rate and apply online. Personal Loan – Get a Personal Loan – Personal Line of Credit – Manage Cash...

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Bad or no Credit Credit Cards

Posted by on Sep 8, 2012 in Credit Cards for Bad Credit | Comments Off on Bad or no Credit Credit Cards

Bad or no Credit Credit Cards

Person with bad credit have the very few options for credit cards. Because only handful of credit card banks wants to take the risk of approving a credit card they might not get paid back. So it will be difficult for person to get a credit card with bad credit. If anyone with bad credit and are looking for a credit card there are Various different credit card offers available for individuals with bad credit. Find useful tips for How to Get a Credit Card with Bad Credit, Find a Card to Improve Your Credit. Credit Cards for Bad Credit: bad credits credit cards are designed for people with no credit at all Credit Report Card Get your free credit grade and detailed credit profile. Credit Cards for Bad Credit from VISA & MasterCard both Unsecured & Secured Credit Cards, Receive an Application Response in just 60 seconds. Top Ten Credit Card Review – Related searches to credit card for bad credit Unsecured credit card for bad credit | visa credit card bad credit | capital one credit card for bad credit | loans for bad credit | credit card for bad credit history | first credit card bad credit | secured credit card | credit card for fair...

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credit card use could be the easiest way to re-establish credit

Posted by on Sep 4, 2012 in Credit Cards for Bad Credit | Comments Off on credit card use could be the easiest way to re-establish credit

credit card use could be the easiest way to re-establish credit

Getting and using a credit card could be the easiest way to re-establish credit if yours has gone sour. But getting back into the credit game comes with potential hazards. Why to get your Credit cards through Credit Card and Finance? We Offers a variety of credit related products and services including Student credit cards, Personal Credit Cards and Small Business, Compare Credit Card Offers with Low interest rate, easy balance transfer offer, and many options to choose We are the leading online credit card marketplace, bringing together consumers and credit card issuer banks. Our mission is to provide you with a platform to evaluate multiple credit card offers and make smart decisions when choosing a new credit card Wide range of Banks and credit card issuer to compare credit cards from many different credit card issuers and banks, VISA and Master Cards from CHASE BANK, Citi Bank, Bank of America, Advanta Bank, Orchard Bank, First Premier Bank, HSBC Bank, Discover cards, American Express and many mor You Deserve the Freedom of Buying Power, to get your power of shopping apply for a credit card, If You can’t figure it out what card to apply for than we will find right card for you, through our secured online You will get your Credit Card Direct from Your Choice of Bank and your choice of credit card Gets the Control of your Daily shopping life and Spending Needs with Your own Credit Cards Credit Card and Finance we have largest selection of Providers & Credit Cards Issuers at very Low interest rate 0% APR for balance transfer, Credit Cards for Students, Personal and business Bad or No credit Instant Approval Chase Bank Personal & Business Credit Cards, Citibank Personal & Business Credit Cards, American Express credit cards for small business, Discover Cards bank credit cards, bad or no credit card, approval on line travel credit card, Credit Cards for Bad Credit No Credit, Low Interest Rates CreditCard. Review low interest, cash back, reward, and airline. Poor credit instant approval Applications for People with Good Credit, MasterCard and Visa credit cards. Compare credit cards for people with bad credit and no credit; apply online for your credit card offer of choice, your Choice of Bank, Any type Credit guaranteed approval Travel rewards Points, Gasoline rebate points, Cash rebates good or bad credit approval guaranteed Best offer Credit Cards for Personal and Small businesses you really want to get creative when it comes to leveraging these types of programs, you might consider using some of the available rewards as employee incentives. Giving free mileage or gift merchandize to staff members to reward their hard work is sure to boost morale, enhance loyalty and garner you some good will, which is sure to come in handy at some point for credit cards Finally, consider the fact that using a Credit card to save money and earn discounts can also help you manage cash flow and streamline accounting paperwork, which frees up your time so you can concentrate on growing your small business by leaps and bounds. That, small business owners might agree, is the biggest reward with Personal Finance and cash...

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Apply for Credit Card

Posted by on Sep 4, 2012 in Credit Cards for Bad Credit | Comments Off on Apply for Credit Card

Apply for Credit Card

Student credit cards, Personal Credit Cards and Small Business, Compare Credit Card Offers With Low interest rate, easy balance transfer offer, and many options to choose! Wide range of Banks and credit card issuer to compare credit cards from many different credit card issuers and banks, VISA and Master Cards! Taking charge of your credit cards Smart tips for handling credit and debit cards, balance transfers! Things you shouldn’t charge Sometimes you can’t avoid pulling out the plastic when you’re strapped. But before you do so in these cases, consider your options for fending off financial disaster, Basics guide to use of credit cards Credit cards do have some benefits, but it’s easy to get into financial trouble if you rely on them too much. Here are more than a dozen tips for using cards wisely. Use a credit card wisely and you can reap benefits like cash back, bonus points and airline miles, not to mention a better credit. Pay off your balance every month. Otherwise, you’ll pay interest on your purchases. Paying the balance takes discipline. Make your payments by the date — and time — they’re due. Late fees are $29 or more. A couple of late payments will trigger an interest rate increase. Because late and missed payments lower your credit, the interest rate can go up on your other credit cards and for future loans as well. Limit the number of cards you have. Experts recommend having two to six cards. Applying for lots of cards can hurt your credit score. Conversely, closing several credit cards at once will trigger a decrease in your score. Read the fine print. Know the interest rate you will be charged, the grace period for paying your debt before interest kicks in and your credit limit. Does your company use two-cycle billing? (Better look, because two-cycle billing means you could pay interest even when you carry no balance.) Also, almost half come with a “universal default” clause, allowing an increase in your interest rate if you are late paying any other bill. (See “Credit card companies’ evil tricks.”) Negotiate. You may be able to get a lower interest rate or get the company to drop a late...

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