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Credit Card Interest Rates 101

So you just opened an envelope that contained a shiny piece of plastic with your name on it. Awesome … a bank or financial institution just gave you a line of credit! Before you start joyously swiping it on just about any cash register, take the time to read this article to understand the credit card interest rates. A credit card is an authority to spend the money of the company that issued it, in return for a promise that you will repay them in the future, called payment-due date. This date........ Read More

Credit Card Interest Rates

If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated. This law is primarily aimed at ensuring that people’s credit reports are kept accurate and up to date, as well as protecting your privacy in financial matters such as these. It is governed and enfo........ Read More

Mortgages - Types Of Interest Rate

Types of Interest Rate You have researched into all the different mortgage types and found a suitable one for you. Now is time to look into what type of interest rate you wish to pay. The type of interest you wish to pay will depend on your circumstances and how much you are willing to pay out every month. You will find out below that not all interest rates/types are the same. Discounted rate A discounted rate allows the buyer to pay a reduced payment for a fixed amount of time. After the ........ Read More

Interest Rates In The Uk

Interest rates have a direct impact on everyone's finances, whether it's their mortgage payments, credit card bills or savings account. Interest rates hit 40-year lows in Canada and the United States early in 2004. Interest rates are based on the borrower's underlying loans' primary rates and do not include discounts for interest reduction benefits. Firms are worried that rising interest rates will continue to increase the strength of the pound against the US dollar, thus making life more diffic........ Read More

How To Keep Your Credit Card Interest Rate At 0%

We've all been tempted by 0% credit card interest rate offers. These offers are usually for short periods of three to 12 months and there are usually conditions attached. For example, the preferential rate may apply to balance transfers, but not to cash withdrawals. The low interest rate may not apply to credit card cheques or purchases either. People who are carrying a large debt will want to make the most of 0% interest rate offers. Here's how to keep your credit card interest rate at 0%. Re........ Read More

Online Car Loans Can Give You The Best Rates Of Interest

There are many ways of financing when it comes to buying a new or used car but the best option for getting the cheapest rates of interest along with the best deal is to go with a car loan specialist website. A specialist website will search around and do the hard work on your behalf after taking some information from you and then deliver the best car loans for your circumstances. If you want the cheapest rates of interest and be able to take advantage of any special deals then you have to hav........ Read More

How To Deal With Rising Interest Rates

For the past few years, interest rates have been quite low, causing many people to borrow large amounts of money for a variety of different expenses. Now these interest rates are about to rise, and they will have a large effect on the personal finances of many borrowers. How do these interest rates affect you? What can you do to prepare for rising interest rates? In this article I will answer both of these questions. When Do Interest Rates Rise? When the Federal Bank increases the interest rat........ Read More

Mortgages – Points And Interest Rates Go Hand In Hand

When it comes to mortgages, many people tend to look at points and interest rates as to separate issues. In fact, they can almost always be used as leverage against each other. Points and Interest Rates Two critical components of a home loan are the interest rate and points charged at the outset. The interest rate is simply the cost of borrowing the money and applies to the total amount borrowed, to wit, six percent for example. The points on a home loan are an up-front fee that equates to a ........ Read More

0% Apr Credit Cards: The High Interest Rate Solution

Over the past two years, the Federal Reserve has raised interest rates substantially. Consequently, credit card annual percentage rates have followed suit. Nearly all credit cards tie their interest rates to the prime rate, which has doubled to 8% from 4% during the string of rate hikes that began in 2004. This has led to interest rates on credit cards rising by 30% or more. Since August of 2006, the Federal Reserve has kept interest rates steady, and many economists believe the next move may be........ Read More

Market Bets On Interest Rate Cuts

The confirmation of the weakness in the international stock market stunned investors and lifted expectations that the Federal Reserve would be forced to cut interest rates. After last week's miserable job scenario, the investors in treasury securities are very sure that the Federal Reserve is about to get on a sequence of federal funds rate cuts. They are particularly worried about the recent economic weakness that can be an attribute to the lack of business confidence more than weak-hearted con........ Read More

How To Bargain For The Best Interest Rate?

Interest rates play a vital role in any economy by influencing monetary policy, investment, inflation, and unemployment. Interest rates are normally expressed in terms of percentage over the period of one year. It also refers to the charge the borrower has to pay for the amount he has taken on loan, or the amount a lender receives as a return for the money he has lent to the borrower. To put it simply, the interest is that additional amount that you have to pay in addition to the actual loan amo........ Read More

Consolidation Loans: Get The Best Interest Rates

If you're looking for a smart way to get out of debt, a consolidation loan can help. The purpose of a consolidation loan is to consolidate your credit card, car loan, or other debts and make just one payment a month. This is more convenient than making minimum payments to your creditor or missing payments altogether. Finance Charges When you choose the right consolidation loan, you will save money in the long run. Creditors expect you to pay interest on your balance each month; these finan........ Read More

Choosing The Best Mortgage Interest Rate

One of the most important aspects of buying a property is the mortgage interest rate that you can obtain. After all your looking to borrow the amount required for your property for the lowest possible cost. Standard variable rate is the typical rate of interest that lenders use and it is generally the most expensive option for the borrower. The standard variable rate is the rate of interest decided by the lender which maybe loosely connected to the Bank of England base rate by a margin normall........ Read More

The Lowdown On Low Interest Rate Credit Cards

Low interest rate credit cards are useful for those who carry their credit card balance forward every month. However, not all applicants for a low interest rate credit card actually manage to acquire one. The reason for this is that these cards require a good to excellent credit rating, which precludes many potential cardholders. There is sufficient information available online for an individual looking out for a low interest rate credit card; these cards are advertised aggressively. The averag........ Read More

Understanding How Interest Rates Work

Interest rates are a complex subject. In some cases you will want them to be high, in others you'll want them to be as low as possible. But, what they are is not something that you or I can change. It is determined on many things especially on the way the economy is moving. So, how much you will pay for that car or the home you wanted and how much you will make on your savings accounts is determined by interest rates and factors that you can not control. But, there are many ways in which you c........ Read More


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