It can be quite difficult to find financing when you are trying to start a business. Traditional channels such as banks and other financial institutions are normally not too eager to finance a new business, even if you have developed a sound business plan and are highly skilled in your market. Starting a business, especially an online business based from your home, can be difficult, and you will need a way to obtain financing. You may be considering using your credit cards to…
The Pros And Cons Of Having A Credit Card
Are you a credit card owner? If you are not, the thought may have crossed your mind. After all, you have likely received numerous credit card offers in the mail or you may have even been presented with credit card offers online. To determine if having a credit card is the best decision for you, you are advised to examine the pros and cons of having one. A few of the most influential pros and cons are outlined below for your convenience.
Secured And Prepaid Credit Cards
With so many consumers looking for ways to rebuild their credit, secured and prepaid credit cards are growing in popularity. Some people swear by them, and others try to avoid them. If youre new to credit cards, you may have wondered how a prepaid card differs from a secured card, and how either kind can be used to build credit.
Should Your Student Get A Student Credit Card?
When your child begins college, they are bombarded with any number of offers and good deals, but one that many students are particularly interested in is the student credit card.
Should You Sign The Back Of Your Credit Card?
Many savvy credit card users have adopted a new stance in recent years. In an effort to reduce the chance they will become a victim of credit card fraud, they refuse to sign their credit cards. Some will leave the signature line blank altogether, while others will write “see ID” on the signature line.
Protect Credit Card Numbers At All Costs
Owning a credit card is a true benefit for most individuals. Credit cards allow people to purchase items, both large and small, without the need to pay with cash. Credit cards also allow consumers to purchase expensive items that may not be affordable without the ability to pay gradually.
Reality Check: Half Of Households Have No Credit Card Debt
If youve ever heard that the average household carries $9,000 of credit card debt and thought that you were ok with your balance, think again. In reality, half of American households have no credit card debt at all and nearly a quarter more have less than $2,200 in credit card debt.
Learn What Credit Insurance Can Do For You
Almost every time you make major or smaller purchases you apply for some type of credit. No matter if you are buying a house or a car, or you just go and buy some appliances or electronics for your home youll use some type of credit. And more or less every time you use a form of loan there are big chances that youll be asked to also buy some form of insurance for your credit. Before proceeding with buying any kind of insurance you should know what youre paying for. Credit …
How Many Credit Cards Do You Need?
With the proliferation of the credit card these days it is quite common to find people with more then one card in their wallet. The question that is often asked is if that is necessary and if in fact that is even a good idea.
How To Avoid Unreasonable Penalties
There are many reasons to avoid carrying a large balance on your credit cards. Large balances can negatively impact your credit score. They will cause you to use your hard earned cash to pay interest. Now theres one more reason to avoid carrying a large balance: if you make a late payment, your penalty might be tied to how much you owe the card company.
Gas Rebate Cards: Are They Right For You?
Youve probably heard about credit cards that offer you rebates on gasoline purchases. With the price of gas rising and falling (but always staying high!), you might be curious about these gas-rebate credit cards. Are they right for you? The answer could be yes, as long as you have realistic expectations.
Fight Fees With Low Fee Credit Cards
Do you have credit cards? Do you know exactly which fees you pay, and how much of your monthly payment is devoted to such fees? If not, youre in good company; too many of us dont know exactly what were paying for when we make our monthly payments. And card companies have been accused of making credit card terms and conditions too complicated for the average card holder to understand. Whats a consumer to do?