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...

Credit card debt help

Posted by: admin  Posted date: July 25, 2011 in Credit Cards Articles
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For many people, the thought of having to live life without a credit card would be almost impossible, after all, who knows when you are going to need your flexible friend.

But what do you do when your flexible friend isn’t so ‘flexible’ any more? Nowadays, informing someone they need formal debt help as a result of a spiralling debt problem is an all too regular occurence.

Quite simply, credit cards bring convenience to the modern household budget. They act as financial ‘shock absorbers’ or as the marketing slogan stated ‘a flexible friend’, allowing us to spread unexpected bills or higher than normal expenses across a few months, rather than having to strain our limited household budgets to breaking point.

But, in truth, it’s incredibly easy to become dependent on credit cards. It doesn’t take too much overspending each month to create a budget deficit. To make matters w Read more…

Tags: debt help

Barclaycard launches 24 month balance transfer credit card

Posted by: Lola Thornton  Posted date: July 16, 2011 in Credit Cards Articles
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Barclaycard has today launched a new Platinum card with a two-year 0 per cent balance transfer period.

It is the first time a two-year balance transfer card has been launched in the UK market and it offers a four month longer 0 per cent transfer period than its nearest rival Halifax.

Halifax launched its 20 month deal last week which equalled Barclaycards previous market leading offer, however Barclaycard has hit back with the increased length.

And customers who take out the credit card will receive a better deal if they apply for the card directly through Barclaycard.co.uk. 

In addition to the two year 0 per cent offer, online customers will receive a 20 discount off the 2.8 per cent handling fee, if they transfer more than 3,000.

That means a customer transferring 3,000 would effectively be paying a low 2.1 per cent fee.

Read more…

Tags: Balance Transfer Card

The Benefits of Interest Free Credit Cards

Posted by: admin  Posted date: July 13, 2011 in Credit Cards Articles
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Credit cards with 0% interest are an attractive prospect to a lot of consumers as they very often constitute a good deal. So what exactly can you expect from an interest free credit card? This article takes a look at what these cards actually are and what you can expect from them as a consumer, including their benefits and things to bear in mind.

Firstly, let’s take a look at what credit cards with 0% interest are. They essentially work like any other credit card, but where you would normally pay a standard rate of interest (the APR) on your purchases, with an interest free credit card, this doesn’t apply. This means you can make purchases and not have to worry about extra interest charges on them. It Read more…

Tags: interest free credit card

Major Advantages of Joining a Credit Union

Posted by: Matilda Sprent  Posted date: July 09, 2011 in Credit Cards Articles
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You’re tired of your bank. The additional fees are killing you. The bank is shutting down branches and carting away ATMs. And half the time, it’s online banking portal is down for system maintenance.

You’re in the market for a new financial institution. But before you rush off to the nearest competing bank, take a moment to consider joining your local credit union.

Credit unions offer several advantages over banks. And if you take the time to do your research, you just might find that your area credit union is the perfect fit for your financial needs.

Lower Rates, Lower Fees

Many credit unions offer low interest rates and fees on their loans, accounts and investment vehicles. Consumers, in fact, often seek out credit unions when they are in the market to buy a car. That’s because they know that their credit unions will offer them extremely low interest rates if they qualify for an auto loan.

The Read more…

Does Social Media Marketing Help Credit Card Customers?

Posted by: Matilda Sprent  Posted date: July 06, 2011 in Credit Cards Articles
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American Express and Discover are leading the pack in their social media efforts, with other major credit card issuers lagging behind in terms of social media outreach and programs they offer through blogs, Facebook, and social media communities.

But does social media marketing really benefit credit card customers? It depends.

Let’s take a look at some of the popular social media/credit card tie-ins and see if they serve a purpose beyond hawking specific credit card goods and services on the social Web.

American Express OPEN Forum

The OPEN forum for business owners is a community where you can read articles about running a small business, communicate with other CardMembers on a user forum, and watch videos of how smart business owners are using their Amex cards to save money and simplify business operations. Is it useful to cardholders? Extremely. A

Read more…

Tags: Card Credit Card Social Media

Caught Up in Unexpected Financial Emergencies, Look for a Car Pawn

Posted by: admin  Posted date: July 05, 2011 in Credit Cards Articles
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There are times, when we are caught up in emergencies, which only have a solution in the form of money. However, it is not possible in all the cases that you will be able to accommodate towards these emergencies. Sometimes, they can hit you up at the end of the month, when you are almost over with the balances in your checking account. And whatever is there, it may not be sufficient enough. In such tough times, when you need money fast and you have a clean title of a car available to you, you can always go for a car pawn.

Car pawn has been recognized as one of the best tools take care of any financial situations, which arrive without giving any notice. With simplified application process and quick imbursement of the loan amount, people today cannot find a better option than such types of loan. Again, since it requires a security as collateral in the form of a car, a lender is hardly bothered with your credit score. Read more…

Tags: car pawn

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