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...

How to Shop Cyber Monday on a Dime

Posted by: Lola Thornton  Posted date: November 29, 2010 in Credit Cards Articles
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Photo by Kevin Dooley

Okay, well you’ll obviously spend more than a dime if you bust out the credit cards during this weekend of shopping bliss. But the object is to just save as much as you possibly can, right?

So if you were in too much of a turkey coma to hit the stores at 4 a.m. on Black Friday, don’t fret—you can still redeem yourself today. Cyber Monday is in full swing and my inbox has been blowing up all day long with last-minute deals.

Why not skip out on that boring monday-afternoon meeting and take advantage of the best online bargains you’ll find all year long? Get started by checking out the following 3 sites to not only help navigate all the madness, but also quickly cash in on some sweet Cyber Monday deals.

CyberMonday.com

Your first stop should always be here. CyberMo

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Tags: Dime

Tracking Software Profiles Credit Card Customers

Posted by: Matilda Sprent  Posted date: November 28, 2010 in Credit Cards Articles
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The company has a strange name that sounds like something out of a science fiction movie or your high school calculus class, and you have probably never heard of it and know nothing about what it does. But you can be quite sure that the company named “[x+1] Inc.” knows a thing or two about you.

The company’s own CEO was quoted in the press saying “We never don’t know anything about someone.” That manner of speaking is about as strange as the company name, but what he meant is that his company always knows at least something about everyone – and there is nobody that it does not know something about, including you.

Because of that unique quality the [x+1] might be really cool to “friend” on Facebook or to hire to do undercover work for the CIA. But the revenues of [x+1] don’t come from spy agencies or popularity with the public, but from major credit card issuers. Credit card companies use the sophisticated mathematical formulas the company has created to build profiles of potential credit card customers. The [x+1]has an u

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Should you use credit cards for Christmas?

Posted by: Lola Thornton  Posted date: November 26, 2010 in Credit Cards Articles
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Christmas is the time of year when you may be planning to splash out on presents for your friends and family.

But should you really be using a credit card to plug the gap in your spending?

We don’t advocate using a credit card, unless you can pay off the balance in full, as this leads to the slippery slope towards unmanageable debt.

However, the truth is that many people use credit cards to fund their Christmas spending with the view that they can spread the cost of repaying throughout the year. (Not necessarily a bad idea if you can get an interest-free credit card and keep up with your monthly repayments.)

The best type of credit card for festive spending is one with 0% interest on card purchases. A fair few card providers offer this for an introductory period, usually between nine and 12 months.

The plan should be to cut the card up after you have done your Christmas spending and then pay it off, incurring no extra debt from more purchases.

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Tags: Christmas

Liberty Bank Credit Card Review

Posted by: John Freycinet  Posted date: November 25, 2010 in Credit Cards Articles
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The closest thing you will find to a New York Liberty credit card is through Liberty Bank. Liberty Bank offers a number of credit cards to for individual and business customers. Options range from cards geared toward college students and young adults to secured cards.

Business customers can get credit cards that offers a number of rewards, including cash back and reward points. The card can be used to track spending and keep items bought for business purposes separate from personal ones.

Customers who want to either establish credit or rebuild their credit may want to consider secured credit cards. Liberty Bank offers a card that customers can secure with deposits ranging between $300 and $5,000.

New York Liberty Credit Card:Liberty Bank Credit Card for Students and Young Adults

College students who want to get a credit card can apply for the College Rewards Visa card. People currently enrolled in a two or four-year college program are eligible to apply for these student credit cards.

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Tags: Card Credit Card Liberty Bank

PNC Everyday Rewards Visa Credit Card Review

Posted by: Matilda Sprent  Posted date: November 25, 2010 in Credit Cards Articles
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Verdict: The PNC Everyday Rewards Visa Credit Card has a lot going for it: It has a generous and flexible cash-back program, low purchase interest rate, introductory offer of 0 percent interest and no annual fee. But if you charge a lot every month, you might find yourself losing out on some potential cash-back rewards checks. That’s because this card puts monthly limits on the amount of cash-back bonuses it will pay you no matter how much you charge.

Overview: Like many rewards cards, the PNC Everyday Rewards Visa uses a multi-tiered rewards system, meaning that you’ll earn more cash back for certain purchases and less for others. The card also comes with an introductory interest rate of 0 percent for nine billing cycles.

How This Card Works: Every time you earn at least $100 in cash-back points, you’ll receive a check for that amount with your next statement. You’l

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Tags: Card Credit Card Visa Credit Visa Credit Card

Why Bad Credit Happens to Good People

Posted by: Lola Thornton  Posted date: November 24, 2010 in Credit Cards Articles
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When people envision a person with bad credit, they may imagine a worn down casino dweller who has visited the wrong loan shark one or two many times.  But in reality, most people with bad credit are much more like the guy or girl next door.

Bad credit can happen to normal, everyday Americans who have never made any life-destroying decisions or been careless with their money. There are countless good people out there who are in bad credit situations simply because they don’t understand the basics of maintaining their credit score.

Brush up on the fundamentals of building good credit and keep the bad credit blues away.

The 3 Money Mistakes Anyone Can Make

 

Ignoring your credit utilization ratio

Let’s say a person gets their first credit card with a $1000 limit. Now, they may be excited with all the purchasing power they have so they go out on a nice little shopping spree and spend about $800. While

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Tags: Bad Credit People

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