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...

Marriott Rewards® Credit Card

Posted by: Lola Thornton  Posted date: October 13, 2011 in Credit Cards Articles
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The Marriott Rewards® Credit Card is ideal for those that enjoy staying at Marriott Hotels while they are away. The card gives members options for earning bonus points, free night stays at Marriott Hotels, and you can earn points on all your purchases. When it comes to redeeming your points you can do so for vacations, airline miles or merchandise. Each year you renew your card membership you will be rewarded with credits towards elite status. This card is designed for those with excellent credit who are seeking a travel rewards card specific to Marriott Hotels. The annual fee of $45 is waived the first year.

The card does not have an introductory rate, but offers a regular APR of 14.24%*(Variable). This card is designed for those with excellent credit.

This card has a great bonus offer because after your first purchase you will receive 30,000 bonus points which is enough for 4 free nights! Plus, you will receive 2 free night stay e-certificates upon account approval.

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Tags: Card Credit Card Rewards® Credit Rewards® Credit Card

Why Credit Counseling Won’t Hurt Your Credit Scores

Posted by: Lola Thornton  Posted date: September 26, 2011 in Credit Cards Articles
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It’s a common misconception that entering a credit counseling program will ruin your credit scores.  Unfortunately, this misunderstanding scares thousands of consumers away from a service they could really benefit from using before their credit problems get out of control.

It’s easy understand why a lot people believe this credit myth, since it makes sense that meeting with a counselor indicates you might be experiencing difficulty with your credit and need guidance.    If I were lending you money, like a credit card company does, that would worry me too.

However, the truth is that working with a credit counselor will not, in and of itself, have any effect on your FICO scores. According to Fair Isaac, creator of the FICO credit score, “whether or not you are participating in credit counseling of any kind” is not considered in your credit score.  It can’t get much clearer than that.

This doesn’t mean that participating in a credit counseling program won’t make it more difficult to get approved for credit products.  I tend to compar

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Tags: Credit Counseling Credit Scores Scores

Life After Bankruptcy – The Road to Post-Bankruptcy Financial Planning

Posted by: Lola Thornton  Posted date: September 21, 2011 in Credit Cards Articles
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 Clearly bankruptcy is not a destination on anybody’s financial map, but it’s where you could end up when you encounter roadblocks and your life is detoured by the unexpected.  So, everyone who arrives at bankruptcy takes a different path, but the road back to financial health and prosperity has but one starting point and with it the opportunity to map out a new financial future. 

Life after bankruptcy begins with a financial plan. While

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Tags: Financial Postbankruptcy Financial

Platinum Verse Black – Which One Would You Choose?

Posted by: Lola Thornton  Posted date: August 27, 2011 in Credit Cards Articles
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Lets face it there are some credit cards that not all of us are going to qualify for whether its because we dont meet the credit requirements or the income requirements. Thats right, there are cards out there that have very strict income requirements and if you dont make enough doe then you wont qualify for the card. Today we are going to take two of the big dogs in the card industry and see how they match up to each other. We will be looking at the Platinum Card® from American Express and the Visa® Black Card. Check out our comparison and see which card you think comes out on top. If you are lucky enough to be a cardholder of one of these cards then drop us a line and let us know how the card works for you.

The Platinum Card® from American Express is a charge card that does not charge interest, but you are required to pay off the balance each month. New card holders can earn 25,000 Membership Rewards(R) bonus points when $1,000 is spent in the first 3 months. Th

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Fifth Third Bank Introduces Credit/Debit Duo Card

Posted by: Lola Thornton  Posted date: August 24, 2011 in Credit Cards Articles
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Fifth Third Bank has announced the introduction of its Duo Card.

The Duo Card is a combined credit and debit card providing customers the convenience of conducting all card transactions with one plastic. Fifth Third Bank is the first card issuer in the U.S. to offer this dual functionality and the Duo MasterCard cards are now available.

Consumers control the funding source (DDA or line of credit) using the debit and credit buttons on the card reader, effectively entering their PIN for debit or signing for credit.

Tags: Card Duo Card Fifth Third Bank Third Bank

What is a Protected Trust Deed

Posted by: admin  Posted date: July 25, 2011 in Credit Cards Articles
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Forming part of the Bankruptcy Scotland Act 1985, amended 01 April 2008, the Protected Trust Deed is a formal debt solution for people living in Scotland.

A Protected Trust Deed is designed to assist people with unsecured debts above £10,000 owed to more than 2 creditors, by reducing the monthly repayments and allowing them to only repay what they can afford.

The Protected Trust Deed has a fixed term, which is agreed before it begins, which is normally set to 36 months. After the Protected Trust Deed has completed successfully, the creditors are legally obliged to consider all outstanding debts as settled and any remaining debt is completely written-off. This gives the applicant a real alternative to bankruptcy and can lead to as much as 90% of the debt being forgiven, after costs have been deducted.

The Protected Trust Deed can only be proposed and administered by a licensed Insolvency Practitioner and, once the Protected Trust Deed has begun, the Insolvency Practitioner takes on the role of the Trustee. Read more…

Tags: Protected Trust Deed

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