Credit cards are a big responsibility. When they are used improperly, they can disrupt your future financial solvency and cause you other cash flow problems. The more you know about credit, the more likely you will use this powerful tool wisely.
You Are Your Credit Score’s Worst Enemy
When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit score. If a high credit score is important to you, and it should be, beware of the following things to keep your credit score in check.
Have you ever had one of those months where …
No Annual Fee Credit Card
Most new credit cards come with a no annual fee offer. This hasn’t always been the case. I wonder if issuers realized how much people resented the yearly fee they were charging just to use their credit card?
Now that they gradually eliminated the annual fees, they’ve advanced the ‘no annual fee credit card’ into a marketing incentive. But that doesn’t mean there are no fees at all. That is why you need to read the entire offer before signing for a new credit card.
If …
Credit Card Vs. Debit Card – What Are The Main Differences?
With our electronical cards fortunately the days of the mad rush and long queues to get cash from the bank before weekends are long gone. We now enjoy the convenience of using a nearby automatic teller machine (ATM) or you can even get cash back at your local grocery, hardware or convenience store.
Choice Privileges Visa Platinum Card
For business owners and family members alike, a credit card offer that includes a way to earn points toward travel is a great deal. A travel reward credit card is one that gives you the ability to earn credit with various aspects of the travel experience simply by using you card when you make your every day purchases. The Bank of America credit card that offers this service with the most flexibility is the Choice Privileges Visa Platinum Card.
Credit card features:
Of t…
0% APR Credit Cards: Use Them To Your Advantage!
The era of 0% APR credit cards is still with us. Yes, you can obtain a spanking new credit card featuring a very low introductory interest rate and take advantage of what amounts to “free money” for you for up to one year. You can use your new card to your advantage, but you must be careful that you fully understand how a 0% APR credit card works to order to maximize its effectiveness. I will show you how, so please keep reading for all the informative details!
Soon after…