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Fixed Rate Credit Cards Explained

There are so many types of credit cards around that it can be hard to work out which is the best. However, one type of card that is quite popular is the fixed rate credit card. Fixed rate credit cards give you the peace of mind that your APR will remain the same for a given time, with all the benefits of a normal card. If you want to know more about fixed rate credit cards, then this article can help you. What does 'fixed' mean? A fixed rate credit card is a card that has an APR that will ........ Read More

Instant Approval Credit Cards – Are They Credit Builders?

Many people today have heard about the "instant approval" credit cards, but may not understand exactly what they are. Instant approval is the method used by banks and credit card companies to take your application and instantly make a decision based on data they get from your online credit report. It is different from traditional credit card applications because you are either approved or rejected as soon as your application is submitted. Instant approval is a method that is different from inst........ Read More

Teens And Credit Cards

"Don't worry about it. I've got it this time. Next one is on you." A commonly heard statement when going out to lunch, but not so common when the words are being uttered by your 14 year old unemployed son as he whips out his credit card and places it on the lunch bill. There appears to be a rising trend in teens using their own credit/debit cards. This trend brings two questions to my mind: Is it wise to give your teen a credit card? And, is 'everyone doing it' as your teenager says? In a po........ Read More

When Not To Cancel Credit Cards

We have an article that details the benefits of canceling old, unused credit cards, but is this always a good idea? The answer to that is no. There are times when keeping a credit card line open is actually more beneficial to your overall credit health than closing it. One occasion when you might want to hold off on canceling those older credit cards is when you plan to apply for a major loan. Major loans include such things as a home loan, car loan, boat loan, or other loans in excess of a ........ Read More

Adverse Credit Credit Cards

As their very name suggests, adverse credit credit cards are an option available to those who have a bad credit history and, thus, credit rating. Why you may want to apply If you do happen to have a bad credit rating, then there is a strong likelihood that you’ll be successful when applying for one of these credit cards where you have been turned down when applying to the mainstream card issuers. Moreover, if you do have a bad credit rating, then applying for adverse credit credit cards can........ Read More

No Problems Getting Credit Cards With No Credit

Having no credit doesn’t have to keep consumers from getting a credit card. There are several options for consumers with no credit to get a credit card. It’s becoming increasingly difficult to function in today’s society without having credit. However, when you don’t have credit it can also be complicated to obtain a credit card. Credit card companies need to check your credit history to determine whether they should extend credit to you. When you do not have a credit history, the cre........ 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 - Which One For You?

If you have any kind of existing credit card balances, balance transfer credit cards may be just the thing you need to reduce your credit card debt. They can also help you save money in other ways, too. Here are some ways that a balance transfer credit card can save you some money. 0% APR Interest The first way it can save you money is that, hopefully, the new card gives you a 0% APR interest introductory offer for balance transfers. You will need to double-check the fine print on the cred........ Read More

Instant Approval Credit Cards In A Nutshell

Gone are the days when credit card applications take weeks to be over. Nowadays, credit card applications can get approved instantly. There are so many online applications that you can fill up and send to companies and then it gets approved instantly! There are so many credit card companies that claim that their credit cards are the best in the industry, the one that suits your needs, the one that is very reliable. And you can get it instantly! One way to apply for a credit card is online, at th........ Read More

How Find The Best Student Credit Cards

If your son or daughter is in college or planning to attend college in the near future, it might be a good idea to sit and talk about student credit cards before they leave. This talk may be one of the most beneficial and useful talks that you can have with them as they become young adults. The main topic of this talk should be centered on the high degree of probability that your child will receive numerous offerings for credit cards while they are at school. Credit card issuers have long kno........ Read More

Private Label Reward Credit Cards

More and more, consumers are becoming just as interested in the label associated with their reward credit card as they are with the interest rate, possible annual fees, and rewards. After all, credit cards were once very nondescript with nothing special separating one from the other but the Visa or MasterCard logo in the bottom right hand corner. Looking for Unique Today, many consumers are looking for reward credit cards with flair, personality, and a unique quality. Of course, consumers ar........ Read More

Credit Cards – A Quick Guide

A credit card is a piece of plastic card that gives the bearer access to a specified amount of credit from a financial institution. This piece of plastic is, in the right hands, a great financial tool, which is also flexible and convenient. The credit card is a handy thing to have especially in these times of internet and phone shopping. The many benefits of a credit card include the ability to make your life easier and to open up a world of possibilities. The first thing you should look at i........ Read More

Instant Approval Credit Cards - Frequently Asked Questions

Instant approval credit cards online are becoming increasingly popular among consumers. In a fast-paced society, the speed of an instant approval credit card is sought after by many individuals. But, it is important to understand as much as you can about instant approval credit cards before you choose to apply for one. What are Instant Approval Credit Cards? Instant approval credit cards are those that can be approved within a matter of seconds. To qualify for one of these instant approval ........ Read More

Switching Credit Cards For A Better Deal

You may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have! So, if your credit card provider is not offering you the best current market conditions, the time may have come for you to consider a switch. Essentially there are two ways in which you can move your current credit card balance to a new card provider: * ........ Read More

Business Credit Cards Are On The Rise

With the number of small and home businesses growing at such an incredible rate, it is no surprise that business credit cards are making more of a showing these days in the market place. It was not long ago that small business owners had to depend on small credit lines or business loans from banks to manage cash flow on a monthly basis, which could be tedious and costly. This meant spending more time doing paperwork for the bank, and less time managing the business. The release of business cr........ Read More


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