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...

Leasing vs. Buying a Car

Posted by: John Freycinet  Posted date: June 21, 2011 in Credit Cards Articles
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If you are in the market for a new car it is important that you check out all of your options. For example, how do you feel about leasing a car as opposed to buying it? Asking yourself this question may open up a whole new world of possibilities for you if you feel comfortable leasing a new vehicle. (Here’s some information: Leasing vs Buying) Regardless of whether you are interested in leasing or buying there are few things that you have to get straight in order to get the best deal possible.

Make sure that you are not too eager when you walk into the car dealership. Salesman can smell an eager buyer coming from a block away. Once they know you are interested in leaving with a new car that day it will be difficult for you to get the best deal possible on a purchase, or lease, price. This is simply human nature. Instead, make sure you act ordinary while looking at the cars and ask questions regarding each make and model.

It is even a good idea if you mention that you might consider a lease. S

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Tags: Buying Car Car

Off the Chart Credit Card Art

Posted by: Lola Thornton  Posted date: June 20, 2011 in Credit Cards Articles
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Credit cards have a lot of power in the art world. Of course, you can use a credit card to purchase art from a gallery. Some credit cards benefits will even give you free admission to an art museum over the weekend. And a few credit cards designs are so cool; they can be considered their own works of art.

However, have you ever thought about creating your own thing of beauty using your expired credit cards?

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Tags: Art Credit Card

Citi Simplicity Card says no to late fees

Posted by: Matilda Sprent  Posted date: June 20, 2011 in Credit Cards Articles
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The Citi Simplicity® Card – is it representing the evolution of credit card offers post CARD Act? Or are the terms and conditions of this particular credit card offer simply speaking to the consumer instead of responding to new regulations?

These are questions that probably have no exact answer but are interesting to ponder in light of the changes that have taken place in the credit card industry the past few years.

The Credit Card Accountability Responsibility and Disclosure Act (CARD Act of 2009 put into law a number of consumer-friendly regulations that focused primarily on how credit card issuers imposed fees and rate hikes. Among the new rules in the CARD Act are those that put limits on fee amounts and also

The Citi Simplicity Card addresses a number of these issues by offering consumers a credit card that has no late fees and no interest rate hikes as a result of missed payments or over-limit transactions.

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Tags: Card Citi Simplicity

Google Wallet Application Lets Phone Act as Credit Card

Posted by: Lola Thornton  Posted date: June 20, 2011 in Credit Cards Articles
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Google announced in a news conference on Thursday its release of a new application that will allow Android smartphones to act as credit cards. The application is called Google Wallet and will integrate credit or debit cards, loyalty cards, gift cards and others into a single application.

How Google Wallet Will Work

According to Google, the application will only work with Android phones from Sprint Nextel that have wireless chips built into them for tap-and-pay. The phones with the near-field-communications (NFC) chips built into them will have a special sticker on them. Older Android phones will be able to have the chip installed.

While Android owners will be able to use the phones in 311,000 stores worldwide that have installed MasterCard terminals, the phones are currently only being offered in New York and San Francisco for now to test the market more accurately.

Application Security and Fraud Concerns

When Google originally announced its plans to release the application in Nov. 2010, c

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Tags: Card Credit Card Google Wallet

Protesting Credit Report Info Rarely Changes Anything

Posted by: Matilda Sprent  Posted date: June 19, 2011 in Credit Cards Articles
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Recently released results of a study related to Federal Trade Commission research into credit reporting fairness show that only one out of about every 100 people who try to get the information in their credit report changed actually succeed in doing so. The study, with the title “U.S. Consumer Credit Reports: Measuring Accuracy and Dispute Impacts,” was done to determine the accuracy and quality of data collected and maintained by the three major credit reporting agencies, namely Experian, Equifax, and TransUnion. What researchers discovered was that less than one percent of all credit reports examined by participants prompted a dispute that resulted in a credit score adjustment and an increase of a credit score of 25 points or greater.

The conclusions are nothing new, because a similar study back in the early 1990s found the same thing. Basically what these experts find is that errors do exist in credit reports, but most of these errors are so minor in terms of their overall impact on a person’s credit profile or FICO score that they are not crucial. Fixin

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Tags: Credit Report Info

How to cut the cost of holiday spending

Posted by: Lola Thornton  Posted date: June 19, 2011 in Credit Cards Articles
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Customers will benefit from a fairer exchange rate when using RBS and NatWest credit cards abroad.

There was an outcry when it emerged that RBS was using its own exchange rate, which could add an extra 2% to the cost of overseas transactions.

From July 1, the bank will base its rates on standard Visa and MasterCard exchange rates, which offer a better deal.

Tesco bowed to similar pressure at the end of January.

It was clear from feedback that customers wanted a more standardised approach to how exchange rates are calculated and one that was easier for them to understand. As a result, we are changing the system, says an RBS spokesman.

However, RBS and NatWest credit cards are still expensive to use abroad because, in common with most other cards, they add a loading to the Visa and MasterCard rates.

Some pre-paid cards that do not charge fees, such as Caxton FX and Travelex, offer a cheap way to spend or withdraw money abroad.

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