Surviving in the world...

Surviving in the world of credit cards

Now we, customers, play a game ‘who have a better credit score’. It looks like that having a credit score is a point of pride rather than...

Some necessary researc...

Some necessary researches before getting rewards credit card

You decide to choose a credit card? OK, at first make a research to find the best variant for you. Before you request one of cards, you should be...

Advantages of reward c...

Advantages of reward credit cards

Of course, you think about worth and convenience of using a retail credit card so that when you buy something at this shop and you see something you...

A good credit history ...

A good credit history it’s very easy

Credit cards are convenient and can certainly help you to settle a good credit history, when you are young. And the good credit history is very...

An Introduction to All-Round Credit Cards

Posted by: admin  Posted date: November 10, 2011 in Credit Cards Articles
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Many people think credit cards are something of an either/or situation: you can either find credit cards ideal for balance transfers, or credit cards with a decent interest free period for purchases.

However, it is possible to get a card that offers the best of both worlds in many ways – the all-round credit card. This is a popular and useful type of card that gives the people who use it an introductory interest free period on any balance transfers they might make. It also offers a period of interest free purchases, which means it appeals to a wide range of people.

In terms of the length of the introductory offer, you can often get up to 16 months as part of your balance transfer period, and around 6 months for interest free purchases. A Read more…

Tags: credit cards for balance transfers

Credit Card Charge-Offs: Can They Be Removed from Credit Reports?

Posted by: Lola Thornton  Posted date: January 24, 2012 in Credit Cards Articles
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In my last post regarding Charge-offs and Collections, I wrote about how a lot of consumers become confused when they pull their credit reports and find an overdue credit card account reporting twice.  The same debt can’t be listed on your credit reports twice, right?

Wrong.  In fact, most credit card accounts that have been charged off by the original creditor are not only reported as charge-offs, but they’re also reported as collections after they’re sold or transferred to a third-party collection agency.  It’s a double whammy to your credit scores and a very frustrating situation to find yourself in.

So, can you actually remove a charge off from your credit reports? And what if you pay off the collection?  Will the original charge-off then disappear?  What happens to the paid collection itself?

I can’t tell you how many times I’ve seen these questions in our Credit Talk Forum.  It frankly can b

Read more…

Tags: Credit Card Credit Reports Reports

St George Credit Cards

Posted by: Matilda Sprent  Posted date: January 23, 2012 in Credit Cards Advisor
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While banks in general aren’t doing as well as they could for customer satisfaction, St George is showing the others how it’s done, coming top in recent Roy Morgan research.

So you know if you pick from the St George portfolio of credit cards you are going to be pretty happy with the service that comes with it.

And they’ve also got it covered when it comes to choice;

St George offers five personal credit cards:

  1. Amplify Visa Card
  2. Vertigo MasterCard
  3. No Annual Fee Visa Card or MasterCard
  4. Gold Low Rate Visa Card or MasterCard
  5. Platinum Visa Card

All of the St George cards are competitively priced in their respective niches, in particular the Vertigo MasterCard, which has a standard variable APR of just 13.24% and an introductory balance transfer rate for 12 months of 0.99%.

The Amplify Visa Card and the Platinum Visa Card are also offering competitive introductory rates on balance transfers for 6 months.

Both the Vertigo and the No Annual Fee cards have a minimum credit limit of $500, half of the standard $1000 required by many cards.

This makes them really useful as second cards or cards you might use purely for online shopping where you want to minimise the potential risk from credit card fraud.

St George also has a few other fraud detection and prevention measures in place for extra customer security.

Register for internet banking and you can access the Verified by VISA or MasterCard SecureCode services that validate online transactions with a password, in the same way as entering a PIN when you shop in store.

The St George Falcon 24/7 fraud detection service checks and informs you of any unusual activity on your card, in case it has been stolen or copied and is being used for unauthorised activity.

Some of the PIN pads on their ATMs are fitted with PIN pad shields to keep prying eyes from taking note of your PIN, and they also have anti-skimming technology fitted in their ATM’s.

Skimming is the illegally copying of the information from the magnetic strip on your credit card which is then use to make a fake or cloned card.

A good range of competitive credit cards, good customer service, and an eye on security makes St George credit cards a bit of a steal these days.

Tags: George St George

Is Credit Card Frugality a Thing of the Past?

Posted by: Lola Thornton  Posted date: January 16, 2012 in Credit Cards Articles
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The recession seems to be taking a back seat as more people pull out their credit cards to pay for everyday items. According to The Christian Science Monitor, consumers racked up a total of $64 billion in credit card debt for the year 2011, and January 2012 has already seen an increase in credit card use.

January normally means a return to less spending, trimming your budget, and putting off big purchases, but more consumers are throwing caution to the wind when it comes to credit card spending. In fact, the payment processing company First Data reports that people are using their credit cards at rates not seen since the pre-recession era.

What has spurred this rise in credit card spending?

Banks have cancelled or severely cut back on their debit card rewards programs, and have even suffered a backlash when they instituted debit card fees.

Read more…

Tags: Card Credit Card

What are the tax benefits from offset mortgages?

Posted by: admin  Posted date: January 13, 2012 in Credit Cards Articles
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Offset mortgages are ideal for those who have a variable income source wherein large sums of money might come in at a single instance followed by a period of lesser income as seen often in the case of self-employed individuals. This offset mortgage system ensures that they have the benefit of adequate amount of money at the required time to essentially reduce the credit balance.

The gradual mortgage repayment system also makes sure that the period of repayment is reduced drastically and this further increases the savings. This scheme is also helpful to the borrower in obtaining tax benefits. Since the tax is calculated based solely on the based on the credit amount which is a dwindling number, the customer has the additional advantage of being able to cut down on the tax payment, which also saves more money for the customer. Read more…

Tags: offset mortgage

Where can I find business credit card offers?

Posted by: John Freycinet  Posted date: January 12, 2012 in Credit Card News
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Business and personal credit card offers are everywhere! Large envelopes fill your post box while electronic missives creep into your e-mail, despite your best efforts to filter your incoming messages. Every website you visit features pop-up offers for credit, insurance and other financial services.

Help is here! Use our credit card chaser tool and rise above the confusion!

Credit card offers are prominently featured on radio, television and in most every newspaper and magazine in general circulation. There are even credit card ads on billboards! Sorting through what amounts to literally hundreds of these credit opportunities can be a daunting, difficult, and confusing task.

Who else provides reliable information?

Financial magazines, such as Forbes, and Money Magazine, now affiliated with the CNN News Group, provide consumers with up-to-date information about a wide range of business services including credit cards.

Do all businesses use credit cards?

U.S.

Read more…

Tags: Card Offers Credit Card Credit Card Offers Offers

10 Side-Effects of Bad Credit

Posted by: Matilda Sprent  Posted date: January 11, 2012 in Credit Cards Advisor
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I always laugh at those medication commercials that promise to treat a runny nose, but have a long list of side-effects that are actually worse than the runny nose itself. That’s how it is with bad credit. Sure, it might feel good to charge up your credit cards and ignore your billing statements, but the side effects outlast any emotional high you get from your financial misbehaving.

With bad credit, you’ll have trouble renting or buying a house, pay higher security deposits to get your utilities turned on, and pay higher premiums on your insurance. That’s just a few of the ways bad credit affects you. Find out 10 Side-Effects of Bad Credit. The gravity of this list will make you want to get your credit together ASAP.

Tags: 10 Sideeffects Bad

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