Getting a credit card, use a couple of times a month, and pay it off any other time, and 3 / 4 the other half.
Balance Transfer Tips Maximizing The Benefits of Transfers
While transferring your balance from a high interest credit card to one with a low interest rate is easy, there are certain things that should be taken into consideration. The first thing you want to do is look at your current credit standing.
What Do You Do If Your Credit or Debit Card is Lost or Stolen?
Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen.
Your Credit Billing and Electronic Fund Transfer Statements
With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit.
How To Find Good Balance Transfer Cards
If you have a credit card you’re likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card.
Introductory Rate Credit Cards: Some Popular Features
Using introductory rate credit cards has become a popular way for UK borrowers to manage credit card debt. Introductory rate credit cards offer borrowers a preferential interest rate when they first sign up for a new card.
Consolidating Credit Cards: How To Effectively Use Balance Transfers
The practice of transferring the balance of one credit card with a high interest rate to another credit card with a lower interest rate is a fairly common way to consolidate debt, but very few people know how to make effective balance transfers. The goal of balance transfers is very simple: to save money. If you are not, then you are probably not utilizing balance transfers effectively.
The following factors will determine how and when you should make balance transfers so …
Credit Card Balance Transfers – 0% Introductory Offers
Balance transfers have grown in popularity and importance ever since lenders have started using zero per cent interest rates on balance transfers to lure consumers from other companies to their own.
Introductory Offers
These 0% balance transfer offers give the customer a very low, or zero per cent interest rate on any sum transferred from another credit card, over to them. If you are considering a balance transfer then there are two figures you should be aware of. The …
Balance Transfer Disasters
There has been a rapid growth in the availability of zero per cent rates in the credit card industry. These have been caused by the combination of very low national interest rates, and the injection of fierce competition from American lenders such as Capital One
Choosing A Credit Card That Suits Your Repayment Habits
When choosing a new credit card it’s best to pick a card that suits your spending habits. However, this is not the most crucial factor. Even more important is to choose a credit card that matches your paying habits.
Are You A Credit Card Tart?
Some people use the word tart as an insult; others as a bit of friendly banter. Either way, it’s not the sort of term you associate with financial matters, especially not with credit cards.