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Review all terms of any credit card offer you receive.

Posted by on Sep 15, 2010 in Balance transfer credit cards, Credit Cards, Low Interest Credit Cards | Comments Off on Review all terms of any credit card offer you receive.

Review all terms of any credit card offer you receive.

Bank credit cards that offer 0 APR on purchases can be a great way to help finance a home improvement and another upgrade of your home. Bank credit cards that offer are also a much better choice than the store credit cards offered which can trap you into paying very high interest. many store branded credit cards with 0 percent interest offers on the purchases made in the store come with an important catch: If the balance is not paid off in full before the end of the 0 APR term, full interest is applied to the entire balance back to the first day of your purchase. And since most of these store credit cards also feature interest rates as high as 24.99 percent, you could find yourself paying 24.99 percent on that 0 APR purchase. Calculate how long it would take you to pay off the balance on a high-interest car loan or home equity loan without the added interest and then calculate whether you can afford to pay that amount within the granted time. If you find that you can afford to pay the loan completely within 12 to 24 months, take out that same amount on a credit card with a long-term 0 percent APR offer. This is an extremely risky strategy, however, and will only work if you’re sure you can pay off the credit card balance in full before the promotional offer expires. And don’t just count on transferring the remaining balance to another 0 APR card at the end of the promotional term, as this can easily recoil. Give yourself a financial backing when you’re calculating how much you can afford to repay each month before the promotional period expires. That way, you’re less dangerous to having your budget thrown off by unexpected...

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Special Credit Card Deals and Promotions

Posted by on Sep 15, 2010 in 0% APR Credit Cards, Credit Cards | Comments Off on Special Credit Card Deals and Promotions

Special Credit Card Deals and Promotions

Credit card promotions let you take advantage of special deals that the card issuers promote up front. These credit card deals include bonus cash back, points redeemable for merchandise or cash, airline miles or travel promotions which you receive when you sign up for the card or after your first purchase. Browse the cards below and the categories below to find the most attractive promotions for you. Credit    cards that let you carry a balance compute your monthly finance charge in one of three ways. Learn how this affects your minimum credit card...

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Qualify for a lowest interest credit card

Posted by on Sep 15, 2010 in Apply for credit card, Credit Cards | Comments Off on Qualify for a lowest interest credit card

Qualify for a lowest interest credit card

If you plan to regularly pay off your balance before the end of the month, you may instead be interested in American express credit card.  With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too.  After the introductory period, the interest rate on low APR cards typically ranges from 6.5% to around 15.99%.  Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually.  When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. Low interest credit cards with low ongoing APR are particularly suited for people who carry a balance month to month.  The credit card company may still change the fixed APR rate, but they will notify you in advance.  The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months.  You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.  If your low interest card has a fixed APR, your rate will, for the most part, remain the same.  These cards from different banks and issuers offer some of the lowest ongoing interest rates for purchases and balance transfers and can feature either a low fixed rate APR or a low introductory APR. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating.  If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.  There are two types of rates on low interest credit cards: “fixed” APR and “variable” APR.  If you plan on carrying a balance, a fixed rate is often the best way to go.  However, regardless of your situation, you can still find a low rate credit card that fits your profile.  A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest...

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Compare low APR to apply for a creditcard

Posted by on Sep 15, 2010 in 0% APR Credit Cards, Apply for credit card, Credit Cards | Comments Off on Compare low APR to apply for a creditcard

Compare low APR to apply for a creditcard

The interest rate on low APR cards typically ranges from 6.5% to around 15.99%.  If you plan on carrying a balance, a fixed rate is often the best way to go.  However, regardless of your situation, you can still find a low rate credit card that fits your profile. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months.  After the introductory period, with a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.  These cards from different banks and issuers offer some of the lowest ongoing interest rates for purchases and balance transfers and can feature either a low fixed rate APR or a low introductory APR. A low interest credit card is advocated over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans. The credit card company may still change the fixed APR rate, but they will notify you in advance.  If your low interest card has a fixed APR, your rate will, for the most part, remain the same.  If you plan to regularly pay off your balance before the end of the month, you may instead be interested in American express credit card. When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs.  Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually. There are two types of rates on low interest credit cards: “fixed” APR and “variable” APR.  To qualify for a lowest interest credit card, you will generally need good to excellent credit rating.  If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.  Low interest credit cards with low ongoing APR are especially suited for people who carry a balance month to...

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Easy Unsecured Loans- Useful Tip For Fast Loans

Posted by on Sep 15, 2010 in bad credit loans, Personal Loans, Unsecured Loans | Comments Off on Easy Unsecured Loans- Useful Tip For Fast Loans

Easy Unsecured Loans- Useful Tip For Fast Loans

Instant Unsecured Loans- Useful Tip For Fast Loans If you are searching for information related to, instant unsecured loans or any other such as no credit check payday loans, low cost unsecured loan, auto bad credit loan Roanoke or lenders bad credit loans you have come to the right article. This piece will provide you with not just general instant unsecured loans information but also specific and helpful information. Enjoy it. In the process of receiving your credit score be sure to check your credit report for improper information. Credit reports can be the first indication of credit card fraud or identity theft. Both of which can leave individuals and their families emotionally and financially devastated. There is a greater risk perceived in the credit to the self employed individuals. In return, the credit for the self employed offer tailor made solutions which cater to their special requirements. To this effect, the credit for the self employed individuals has introduced concepts like overpayment, underpayment and payment holidays. So, unlike regular loan payers who are required to pay a definite amount at the beginning of every month, the self employed may overpay, i.e., pay more than their requisite amount in a certain month and then underpay, i.e., pay less than the amount in another month. They may also enjoy payment holidays, so that they may take a leave from payment for a certain number of months after a regular payment for some months. Unsecured debt consolidation credits are credits for you when you want to get rid of your debts and cover up your bad credit history without risking your property. As a result, go for unsecured debt consolidation credits and get the feel like the freedom like bird in the open sky. You should forget that if this article hasn’t provided you with exact instant unsecured loans information, you can use any of the main search engines on the Internet, like Ask com, to find the exact instant unsecured loans information you need. Usually, the amounts disbursed as unsecured debt consolidation credits are lower than what would have been if the debt consolidation credit was secured. Wells Fargo Financial, for instance, offers its customers home equity lines of credit for debt consolidation starting at 10,000, whereas unsecured personal credits for debt consolidation at capped at 10,000. Therefore, unsecured debt consolidation credits are essentially for those individuals who carry lower credit card debt, but still want to combine it and remove it completely. Unsecured debt consolidation credits are personal credits, and as the name implies, they are not secured. What that means is the credit has no collateral or physical items, backing it up. The only collateral is you, the borrower. Because banks then see unsecured debt consolidation credits as risky, they are often a bit expensive and not easy to get. They are also a much better answer than bankruptcy if you can, though. Self employed credits can be raised for any amounts ranging from 3000 to 250,000. This amount might be slightly lower in the case of an unsecured credit but normally if the credit history and the income figures are good, any amount can be raised. The change in the perception towards unsecured debt for self employed individuals can be also attributed to advances in technology and...

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Get Money Instantly with Same Day Loans

Posted by on Sep 5, 2008 in bad credit loans, Personal Loans, Unsecured Loans | Comments Off on Get Money Instantly with Same Day Loans

Get Money Instantly with Same Day Loans

Same Day Loans – Getting Money Instantly The name same day loans is quite self-explanatory. It obviously suggests that you can get the desired amount of money the very same day. Although, there is some confusion about the definition of the term same day. If you are in need of some quick cash, you will find that your purpose is solved by the option of payday loan everyone is approved. Some lenders state that a day consists of 24 hours, so you should expect the money in your account in 24 hours, instead of the same afternoon or evening. Not More Than 24 Hours If we accept this definition of same day for the same day loans, these will be literally equal to obtaining an overnight payday loan. So, you apply today for these advances and the money comes to you the next morning or afternoon, before the completion of 24 hours. Does it really matter? Whether you get the money the same day in its literal sense or within 24 hours, you can start planning which bill is most urgent that you should pay off first. As long as you are a salaried person with a regular source of income, you should not have any doubts in your mind about the approval for same day payday loans. Majors To Expedite The Process Financiers take every step to expedite the entire process of cash loans. The latest technology has made it possible to do the task in minutes that used to take days in the past. For example, you do not have to fill up an application form, send it by mail and then wait for few days before it reaches its destination. With the introduction of the Internet in this field, you can submit your application online, so that it arrives at the lenders office straight away. Similarly, electronic money transfer further accelerates the process of getting money. This is exactly why the lenders of these advances have made it mandatory that the borrower should have a valid checking account with a direct deposit facility. One more impressive feature of pay day loans is that there is nothing like a credit verification check. Not only does this attribute speed up the approval process, but it also serves as a big respite for people with a bad credit record. With all these and many more benefits of cash loans, the only point that you should consider is the high cost of borrowing. Many other cash advances are available at lower rates, but you may have to wait for weeks for obtaining the approval. So, if the situation demands money right now, you will have to resort to the same day loan. Same day loans are your best shield when you are faced with dire needs that demand cash really quick. For this type of payday loan everyone is approved if they fulfill the basic eligibility criteria. The cash can be received as fast as within 24 hours giving these advances the name of overnight payday loan. Source:...

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Tip For Cheap Low Cost Unsecured Loans

Posted by on Sep 4, 2008 in bad credit loans, Personal Loans, Unsecured Loans | Comments Off on Tip For Cheap Low Cost Unsecured Loans

Tip For Cheap Low Cost Unsecured Loans

Low Cost Unsecured Loans- Important Tip For Cheap Loans I am sure your quest for low cost unsecured loans has come to an end as you read this article. Yes, gone are those days when we have to search endlessly for low cost unsecured loans information or other such information like bad credit debt loan, bad credit loan, unsecured lines of credit or even government small business loans. Even without articles such as this, with the Internet all you have to do is log on and use any of the search engines to find the low cost unsecured loans information you need. The interest rates offered to you can be effected by bad credit scores or no credit at all. There are many websites which offer an instant credit report for a small fee. Another reason to check your credit score is it may not be as bad as you think it is. Often credit ratings are simply misunderstood by individuals. Tenants as well as homeowners can enjoy the advantages attached to unsecured bad credit loan such as fast loan approval and absence of collateral. The major benefit of the unsecured debt is that you are not required to put any property against the loan you borrow and thus keep your property away from the risk of repossession. The process of getting access to the unsecured bad credit loan does not take long as it does not involve valuation of the property’s value, as is a prerequisite feature in case of secured credit. With the rising needs and demands of the people, unsecured credit has come to the lime light. It supports you financially when you are suffering from extreme financial hardships, and it becomes a Herculean task to meet your various requirements. Unsecured credit does not require any form of security from the borrower. You should not forget that you are only a step away from getting more information about low cost unsecured loans or such related information by searching the search engines online. Google alone can give you more than enough results when you search for low cost unsecured loans. Usually, the amounts disbursed as unsecured debt consolidation credits are lower than what would have been if the debt consolidation credit was secured. Wells Fargo Financial, for instance, offers its customers home equity lines of credit for debt consolidation starting at 10,000, whereas unsecured personal credits for debt consolidation at capped at 10,000. Therefore, unsecured debt consolidation credits are essentially for those individuals who carry lower credit card debt, but still want to combine it and remove it completely. Unsecured debt consolidation credits are personal credits, and as the name implies, they are not secured. What that means is the credit has no collateral or physical items, backing it up. The only collateral is you, the borrower. Because banks then see unsecured debt consolidation credits as risky, they are often a bit expensive and not easy to get. They are also a much better answer than bankruptcy if you can, though. Unsecured debt consolidation credits may not allow the borrower to draw as large an amount as the secured debt consolidation credits. This is a method through which the credit provider aims to cover his risk. This again depends on the lender. A borrower whose needs are...

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Payday Loan tips That Everyone Should Know

Posted by on Aug 5, 2008 in bad credit loans, Cash Advance loan, Personal Loans | Comments Off on Payday Loan tips That Everyone Should Know

Payday Loan tips That Everyone Should Know

Payday Loan Advice That Everyone Should Know Is a loan something you are looking for? Do you have credit that isn’t all that great? Luckily, you have options. If you are in desperate need of money quickly and do have any other choice, a payday loan may be for you. Payday loans will be easier to understand if you remember the suggestions in this article. You should understand the terms and conditions before getting caught up in a payday loan. Often payday loan companies hide extra fees in the small print of their contracts. It is essential that you understand what the fees are and what the true cost of your payday loan will be before you complete the transaction. If you need an emergency payday loan, and can’t find one near you, go to your nearest state line. If payday loans are unavailable in your state, you can often simply cross the border for a bridge loan in your neighboring state. You’ll probably only have to make the drive once since they will collect their payments directly from your checking account and you can do other business over the phone. Payday loan lenders often deny loans to customers who don’t make enough money to cover the loan by the due date. If you find yourself rejected because of this, you need to find another way to get the money you need. If you do not, you will find yourself in a cycling loan circle that you cannot get off of. Even though the interest rates charged by payday loan companies are very high, they are legal when a contract is signed by a person requesting the loan. Normally these types of loans are meant to be in place for a short period of time, so sometimes the cost and the convenience of the loan is low enough to even things out. A payday loan typically requires an individual to write post-dated checks in order to guarantee the loan’s repayment plus fees and interests. Therefore, it is important to ensure the checking account has the necessary money in the account when the loan comes due. If your check bounces, you will have to deal fees from both your bank and the payday loan lender. Before you settle on a payday loan, shop around by phone or online to gather information about how much you will be allowed to borrow. Lenders vary on the amount they will lend depending on your paycheck so it is best to ask before you apply for the loan. This will ensure that you can pay back the loan by the due date. If you find yourself frequently relying on payday loans just to get by, it can be a wise decision to use a debt counseling service in order to learn how to better manage your money. Payday loans can get you deeper into financial trouble and it can be difficult to get out once you have started using them. Pay the loan back in full as quickly as you can. Even if you feel like a series of payments is easier for you, the truth is the sooner you pay off your loan, the less money you spend on paying it back. You could save hundreds of dollars in interest by paying off...

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Online Debt Counselling searching Techniques

Posted by on Jul 17, 2008 in Debt Consolidation, Debt Counselling, Personal Loans | Comments Off on Online Debt Counselling searching Techniques

Online Debt Counselling searching Techniques

Techniques To Seeking Online Debt Counselling Today’s economy is one that has caused much financial hardship to many people. It has ruined credit ratings and caused more loss than at any other time in our history. This is when the benefits of online debt counselling can provide families with hope. Debt counseling has been born of modern times and the need for these services is in high demand with the public. People need help in managing their money and what better way than to use a service such as this and get educated about credit and debt. It is something that has not been traditionally taught to us in schools but they have been much help in the present times. Managing our finances can seem like a daunting task, but with the right help it can put us on solid financial ground and from there we can work our way back up the financial ladder to success. The traditional method seemed difficult at best and hard to understand, the online process makes things easy even for those who are financially challenged. There are tools to track your budget and spending habits so you can see first hand where your money is going and what you need to do to make things work. The Internet has given many hope financially for a better future and online counseling services that help you manage your debts is no exception. It is a service that has come of age and there are many to choose from each having their own features and benefits. The former method was not always effective or feasible and many found that they reverted back to the old ways of doing things often to their financial detriment. Online debt counseling is a new method that is proving to be more effective because you can view status updates and manage your finances with the click of your mouse. You can always get status updates and view your progress online anytime day or night. The counselors are always available to help you and there is not waiting to be seen. You will get all the help you need and can ask questions pertaining to your situation that will be answered by a knowledgeable and friendly staff. The counselors are well trained professionals who can get you back on the road to financial health and well being. They realize that you may not know certain aspects of how to deal with finances and what they provide is training and education to those seeking help to manage their debts. Many of these online debt counselling services can negotiate with your creditors to get your payments reduced and help you formulate a budget that you can live with. That is sometimes all that is needed to get you back into financial good health and keep you afloat in trying times. You can get tips on how to prevent house repossession and information about a reputable online debt counselling service provider, now. Source:...

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Understanding Direct Student Loans

Posted by on Jan 27, 2008 in Education financing, Student Loans | Comments Off on Understanding Direct Student Loans

Understanding Direct Student Loans

Understanding Direct Student Loans There are many types of student loans available today and the number of companies offering financial aid seems to grow daily with student financial aid direct loans being just one type of education financing. Understanding student loans is becoming more difficult as post secondary financing becomes more creative. Direct student loan is a term that refers to student loans that are provided directly to the student or the student’s parents from the government, without the use of a private lender. This variety of student loan can be used to pay for graduate and undergraduate education, as well as some types of vocational education. The Stafford loan, Perkins loan and PLUS loan are three student loans that are considered direct student loans. Applying for these types of loans will require you to fill out the Free Application for Federal Student Aid (FAFSA) form. This should actually be the first thing you do when applying for a student loan. This form will entitle you to government loans and these are the loans you should be looking into first. They have deferred payments and the most reasonable interest rates available at the time. There are also free means of financing education available. You just have to find them. One of the best ways of saving time and money on education is through the College Level Examination Program (CLEP). These exams exist for a number of entry level classes. In a business degree program, the CLEP exam can help you test out of 10 or more entry level classes, saving you the tuition, the cost of books and the time to take the class. Most major colleges and universities offer these tests. There are published study guides for each of the tests. They cost about $20 and the cost of the test varies, but is usually less than $100. CLEP tests can lead to considerable cost savings. There are also many scholarships available. There are a number of databases that list scholarships. It is as simple as finding what you are looking for and following the application instructions. It costs you nothing to apply for scholarships and you just may end up with free money for college. College can be quite pricey these days, but there are ways that you can save on these costs. But it will take some effort and research to find ways of paying for education. If you take the time to look, you can find free money for college. Direct student loans have some of the best interest rates available for student loans. Get more information on student financial aid direct loans. Source:...

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