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...

SimplyCash Small Business Card from American Express Review

Posted by: Lola Thornton  Posted date: March 20, 2012 in Credit Cards Articles
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Access to a revolving line of credit can make or break a small business, especially during the start-up stage when cash flow can be so difficult to predict. However, finding a bank that’s willing to lend to small businesses these days is not an easy task! The reality is not many are left.

Fortunately, there are still a few credit card companies that remain committed to providing business owners with small business credit cards, which can serve as an excellent alternative to traditional lines of credit. American Express is not only one of those credit issuers that still offers a suite of small business credit card options, but they also happen to offer one of my favorite no annual fee credit cards for business— the SimplyCash® Business Credit Card.

Here’s a brief overview of the top things I like, and don’t like, about AmEx’s SimplyCash® Card:

What I like about the SimplyCash® Small Business Card

What I don’t like about the SimplyCash® Small Business Card

My Final Take

The name, SimplyCash®, really says it all. For no annual fe

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Tags: Business Small Business

Financial Success for Young Adults with LaTisha Styles

Posted by: Lola Thornton  Posted date: March 13, 2012 in Credit Cards Articles
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Directbanc.com  explores the topic of young adult finances in our Personal Finance Experts and their Personal Finance Blogs interview series. We would like to introduce LaTisha Styles,  the head contributor at Financial Success for Young Adults. The site teaches saving, investing and budgeting basics from how to place a stock trade to how to get a free credit score. You can start now and build wealth! Get started at 9 Tips for Successful Investing.

 

The Interview

1. What do you think are some of the biggest financial mistakes that people can make as young adults?

Mismanagement of credit and taking on too much student loan debt is probably one of the biggest mistakes that young adults make today. It really puts you behind and at a disadvantage once you have graduated. I wo

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Tags: Latisha Styles Styles

Why FAFSA Denied Me Over $9

Posted by: Lola Thornton  Posted date: March 05, 2012 in Credit Cards Articles
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I’m sad to say I was immediately rejected when I applied for a student loan through FAFSA a few months ago. The reason: I had a credit card bill that was beyond 180 days late. And just what was my unpaid balance? A skimpy $9…ugh!

Unfortunately, I had completely forgotten about a small purchase I made on eBay several months prior. I had racked up interest in the amount of $4 and some change, a bunch of negative marks on my credit reports, and then I was forced to deal with the whole hassle of getting denied for a graduate school loan I really needed. All of that pain for 9 bucks.

After hastily paying off the overdue balance and submitting all the required paperwork to FAFSA, I was luckily approved for the loan prior to the start of the winter quarter. To my benefit, it all worked out in the end. Some are not so lucky.

I’m certainly not the only one who has gone through this type of experience.  It c

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Tags: Fafsa Fafsa Denied

Economic Collapse Survival: Financial Survival for Doomsday Preppers

Posted by: Lola Thornton  Posted date: March 01, 2012 in Credit Cards Articles
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Economic collapse survival: financial survival for doomsday preppers: Last month a new show premiered on the National Geographic channel called Doomsday Preppers, about the lives of otherwise ordinary Americans who are preparing for the-end-of-the-world-as-we-know-it (TEOTWAWKI).  To be clear, this is not about setting up a one week shelter to survive a natural disaster, such as an earthquake or a hurricane. These people are preparing for Armageddon. And, while that may seem extreme to some people, maybe even nutty, the doomsday that looms for them may not be far off for the rest of us. I

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Tags: Doomsday Preppers Economic Collapse Survival Financial Survival Preppers

Ask Creditnet: Chargebacks on Recurring Payments

Posted by: Lola Thornton  Posted date: February 20, 2012 in Credit Cards Articles
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Dear Creditnet: I have unsuccessfully tried to cancel my contract with an alarm company. Although my 3-year contract ended, I’ve been told I automatically signed up for another year because I didn’t give them one month’s notice. I did call 2 1/2 weeks in advance to cancel.

I believe these guys are unethical since they continue to charge my credit card every month, so what happens if I initiate a chargeback through my credit card company? Is that the only way to get them to stop charging my card?

Answer: Before you do anything else, I recommend taking the time to determine exactly what the cancellation policy says in the contract you signed. If you didn’t save your own copy, call the alarm company and request a copy of your original contract.

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Tags: Creditnet Creditnet Chargebacks

Jenny Kerr, of TheJennyPincher.com

Posted by: Lola Thornton  Posted date: February 15, 2012 in Credit Cards Articles
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Directbanc.com shines the spotlight on women and finance in our third installment of the Asking the Experts series. We feature the esteemed personal finance blogger Jenny Kerr, of thejennypincher.com

Jenny comes to us with a wealth of knowledge in the areas of personal finance, including the lending and insurance industries. She developed and taught a budgeting course at a community college to help people better manage their finances. Inspired by the positive response, Jenny created her own blog  to reach out to women and educate them about financial topics.

In her own words: I started this blog so I could meet, network and give back to other women who are in the same situation I was. Hopefully my story and blog posts can help inspire you to get proactive with your financial situation.

The Interview

1.

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Tags: Jenny Kerr Kerr