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Comparing 0 Apr Credit Cards

With all the introductory 0 APR credit cards popping up all over the internet in emails, on websites as advertisements and even in the regular mail through flyers, it is very hard to decide which credit card company is really offering the better deal in the long run. The introductory offers all look great but what happens after they expire? Do not take the introductory offer for 0 APR credit cards at face value. Above all, do a bit of research before you make your decision. There are so many ........ Read More

Discover Credit Cards: Online Offers Reviewed

With over 50 million cardholders, Discover is one of the top credit card companies in the United States. After making its debut in 1985 as a division of Sears, the Discover Card quickly grew in popularity among consumers. And it’s easy to understand why: Discover offered benefits such as the “Cashback” program, which allowed cardholders to earn money for using their card. This rewards program and others offered through Discover have continued to improve over the years. Here are three popul........ Read More

Tips To Avoid Overspending On Credit Cards

Shopping or buying things is one of the guilty pleasures in life and with the presence of credit cards, spending seems to be more like a habit and way of life. Credit cards make one’s life easier but it could also make one’s life a living hell once you find yourself drowning with credit card debt. For people that are not yet in this situation, good for you (and read on anyway to make sure you recognize the danger signals) but for those who are just inches away from that situation (or worse)........ Read More

Things You Should Know About Low Interest Credit Cards

Anyone who shops for a credit card wants the lowest interest rates available. Who doesn’t want the best deal? For many of us, the magic figure naturally is a zero percent, although we fail to notice the fine print that comes with every approved credit card application. A zero percent is an excellent rate and you can't go lower than that. The only catch is that this interest rate isn’t fixed and usually lasts from about six months to one year. After that, the interest rates hike up. Once t........ Read More

Important Features Of Credit Cards

In today’s time I feel most of you hold a credit card but having a credit card with no basic information about it could be harmful for your financial stake. Credit card is an instrument that could be easily used to purchase something whereby you owe that money to the person who has issued the credit card to you. There are innumerable features of a credit card as many cards are there. 1. The first and foremost feature of any credit card is the rate of interest you are obliged to pay........ Read More

Comparing Credit Cards

All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. Before you make your decision and choose a credit card, you should always compare what each company or bank has to offer you. I........ Read More

About Sports Affinity Credit Cards

Affinity cards are a special kind of credit card which are linked into the cardholder's lifestyle in some way, offering benefits of a more personalized nature than the typically available 0% balance transfer offers and the like. Examples of affinity programs are charity credit cards, where a donation is made to a particular charitable organisation whenever the card is used, or a travel rewards card which lets you build up points which you can redeem against a hotel chain or airline which you use........ Read More

Get Smart About Business Credit Cards: Tips From A Pro

The first thrill about starting a new enterprise is seeing the name of your creation on a business card. You want to hand them out to everyone you see — friends, family, the kid who bags your groceries. Soon after you’ve registered your trade name, the credit card offers start cluttering your mailbox. It’s flattering at first. You imagine going out to dinner, grabbing the check, and saying, “it’s okay, it’s on the company.” So you fill out one or two “pre-approved” applications........ Read More

Fixed Rate Vs. Variable Rate Credit Cards

Although it is mostly industry practice to charge a variable rate of interest on outstanding credit balances at a certain percentage rate above Prime Lending Rate, it is possible, these days, to obtain a fixed rate credit card. So, when would you want to apply for a fixed rate credit card over a variable rate credit card? The answer to this may not actually sound as simply as you may think. Two factor need to be borne in mind: first, what is the Prime Lending Rate at the moment; and second, wha........ Read More

Balance Transfer Credit Cards: When They Work

Balance transfer credit cards are an appealing aspect of the credit card business. They allow many people to find just what they need in getting a lower interest rate. On top of that, they allow for some of the best choices when it comes to lowering your debt to credit ratio. In short, if you choose these credit cards wisely, they can work very effectively for prospective cardholders. If a balance transfer is right for you, take the time necessary to determine what the right move is. Learning........ Read More

Charity Credit Cards - A Good Deal?

Charity credit cards have become increasingly popular over recent years, as people seek to support their favourite charities at seemingly no extra cost to themselves. When you take out one of these cards, a one-off donation of a few dollars is made by the card issuer to the charity linked to the card, followed up by a small percentage of everything you spend, again donated by the card company rather than the cardholder. Cards are available covering a huge range of charitable organisations, fr........ Read More

Signs That You're Not Using Your Credit Cards Properly

It is a fact that many people fail to use their credit cards properly. Only when they have gained a credit card balance which is difficult to pay off do they begin seeking help. While it is possible to pay off your balance and get out of debt, it is much easier to look for the warning signals which indicate that your spending is getting out of control. If you find that you are only able to make the minimum payments each month, this is a sign that you've allowed your balance to become so high th........ Read More

Instant Approval Credit Cards - How Instant Are They?

Instant approval credit cards appear to be offers that sound too good to be true, but many people are benefiting from them in their daily lives. Our tendency is to see things skeptically, which is a reflection of the society we are living in. But such apprehensions are misplaced at least in the case of instant approval credit cards, which are often times misunderstood. It is called an instant approval credit card because, after submitting the application, the person concerned could get the re........ Read More

Money Back Credit Cards

Obtaining a credit card that brings money back always considered a good idea. Nothing better than receiving cash back on all the spending that you make with your credit card? It is like too good to be true, doesn’t it? Well, there are numerous cards that offer you free cash, but it is usually only around 1% cash back. However, money is money, right? Well, sometimes. If you like to purchase lot of things in a period, these kinds of e not going to give you credit cards seem very attra........ Read More

Credit Cards: Answers To The Approval Process

Instant Approval, what does this mean? This is where companies have already looked at your credit history before they have offered you a credit card. This means that you are in a position to accept their offer without having to go through the process. Does this alter from an Instant Feedback Decision? The fundamental difference between this and instant approval is that with instant approval they have already enquired about your credit history. With an instant decision this means they wi........ Read More


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