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...

University of Arizona Credit Card

Posted by: John Freycinet  Posted date: January 15, 2011 in Credit Cards Articles
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The University of Arizona Credit Card is offered by Bank of America. It is an American Express Card but unlike many of the Bank of America credit cards, it is not a WorldPoints credit card.

The University of Arizona is a public research university that was founded in 1885. The research that is conducted via the University of Arizona include deep space research, medicine, the arts and more. Compare credit cards now!

Many of the staff members at the University of Arizona are Pulitzer and Nobel Prize winners, which is quite an accomplishment to say the least. UA also hires experts in various fields to ensure that their students receive a quality education taught by only the very best.

University of Arizona Credit Card Overview

As an American Express card, there are quite a few more benefits to this credit card than there are for other credit cards. For example, American Express provides immediate refunds on any purchases that you don’t make. Y

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Tags: Arizona Credit Arizona Credit Card Card Credit Card

Ask Creditnet: Beacon vs. FICO Scores

Posted by: Lola Thornton  Posted date: January 13, 2011 in Credit Cards Articles
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Dear Creditnet: I recently applied for a home loan and was completely caught off guard by my credit score.

I subscribe to a credit monitoring service, so I thought I knew my scores before I began the application process. Boy was I wrong!

I thought my Equifax credit score was 668, but the score my banker pulled was 618. He told me they use the Equifax Beacon 5.0, so why is there such a difference? They’re the same scores, right? Unfortunately, this 50 point swing is costing me an extra 1.5% in interest. Ouch!

Answer: There are a lot of credit scores out there. That’s why it’s so important for consumers to understand what credit scores actually matter before they begin the application process.

In your case, the Beacon 5.0 that was pulled by your lender is your Equifax-based FICO score. That’s a true FICO score. However, the credit score you’re receiving through your credit monitoring service is probably not a true FICO score. Most credi

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Tags: Fico Scores Scores

Visa says its software now catches more illegal credit card activity

Posted by: Matilda Sprent  Posted date: January 10, 2011 in Credit Cards Articles
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Consumers who are actively comparing credit card offers and are concerned about fraud and identity theft may want to look closely at Visa. The credit card issuer says it may be able to provide their customers more protection than other companies.

Visa, which is the world’s largest electronic payment network, said it put in place increased protections for consumers during the 2010 holiday season.

The company says it upgraded its systems so that developers could catch more fraud, National Public Radio reports.

These updated analytics included putting a greater emphasis on the speed of consumer transactions, the time purchases were conducted and the distance between stores where payments were conducted.

Visa’s head of global risk products, Nancy Hilgers, says earlier programs were not able to analyze as much data, and in some cases, were limited to only one or two elements. Read more…

Tags: Card Credit Card

Americans Having a Tougher Time Paying Back Loans

Posted by: Lola Thornton  Posted date: January 08, 2011 in Credit Cards Articles
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Paying back loans was a struggle for many American consumers in 2010, according to a new report from the American Bankers Association (ABA). The report, released on Tuesday, revealed the overall loan delinquency rate jumped in the third quarter. This was the second straight quarter to see increases.

Loan Delinquency Rate Jumps to 3.01 Percent

The ABA revealed the overall loan delinquency rate increased from 3.00 percent in the second quarter of 2010 to 3.01 percent in the third quarter. The association defines a delinquency as a payment that is at least 30 days overdue.

Some of the loans included in the overall delinquency percentage included those taken out for car financing, HELOC and credit cards.

According to the report, delinquency rates for auto loans provided by a bank increased from 1.67 to 1.74, representing the largest increase among loan types.

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Tags: Back Loans Loans Paying Back Paying Back Loans

Smart and Safe

Posted by: admin  Posted date: January 05, 2011 in Credit Cards Articles
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A credit card should be more than just a source of funds. It’s features should be intuitive, safe, accessible and convenient. You should always rest assured that your credit and account are protected, and that you are receiving the best possible benefits and support. Many cards make promises that they can’t keep, which is why you should always look for the following characteristics in a credit card.

First, compare the credit cards with 0 interest, and see which one has the features you’re looking for. Fraud protection is a key point, one in which you should hold in high priority. Peace of mind is priceless, and having adequate support when your account has been tampered with is essential. Another point to consider is a repayment method that is more than just a minimum monthly payment on your balance. A responsible debt repayment program that features a hierarchy for high interest can help you keep your finances in order. Read more…

Tags: Credit cards

Get the Most Out of Capital One’s No Hassle Points Program

Posted by: Matilda Sprent  Posted date: January 03, 2011 in Credit Cards Articles
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The “No Hassle Points” program is one of three of Capital One’s credit card rewards program. It really is true to its name, in that it is one of the most simple rewards cards programs out there. It may not be the most profitable; every $1 you spend on your Capital One card is worth one point. There are some opportunities to earn bonus points (up to 10X for every dollar you spend with your Capital One card), by shopping through the Capital One store or by shopping at select retailers who offer bonus rewards. In some cases, you must activate the offer through the Rewards portal before you can earn in-store bonus points.

On the plus side, you don’t have to keep track of spending categories or spend a certain amount of money each month before you start earning bonus points. It really is a simple program.

How You Can Earn Points

Earn points by shopping with your Capital One No Hassle Points credit card, and earn bonus points when shop through Capital One’s store, Perk Central, where you’ll find bonus points offers of up to 10X for every dollar spent from popular online retailers like the Apple Store, Gap.com and 1-800-Flowers. Comparing t

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Tags: Hassle Points No Hassle No Hassle Points Program

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