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...

One in five shopped for a credit card in the past 12 months

Posted by: Matilda Sprent  Posted date: April 24, 2011 in Credit Cards Articles
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Nearly one of every five cardholders shopped for a new credit card in the past 12 months, according to a recent report published by comScore.

Among other findings, the comScore Online Credit Card Report (2010 edition) reported that 19 percent of cardholders shopped for new credit card offers in the previous 12 months.

Even more, the percentage of cardholders shopping around for credit card deals jumped to 34 percent (slightly more than one in three) among those who have a positive view of the economy.

Additionally, comScore noted that 14 percent of those who do not carry a balance on their credit cards shopped for a credit card in the past 12 months, and this figure jumped to 23 percent among those who do carry a balance.

This significant (nearly double) increase between the two groups could potentially be related to the relative strength of balance transfer offers right now.

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Tags: 12 Months Credit Card Months

Best (and cheapest) ways to spend abroad

Posted by: Lola Thornton  Posted date: April 24, 2011 in Credit Cards Articles
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Cash, credit card or debit card? There are many ways to spend money abroad but what is the cheapest easiest and most secure option?

Improving your credit score will give you access to cheaper borrowing rates.
We explain

In the next few weeks we are spoilt for holiday time, with the Easter break, two May bank holidays and the Royal Wedding – many people are planning to escape the UK.

But if you want to make the most of your money then you need to think about how you will spend it in advance.

Credit cards

You should only use a credit card if you can pay off the balance each month otherwise you may start to accrue hefty interest charges. Spending on a credit card abroad can mean youre slapped with hefty loading fees as well as poor rates of interest. You also have to beware of credit card withdrawal fees of about 3 per withdrawal, plus immediate interest on top.

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Tags: Abroad

Points You Should understand In Relation to the Credit Rating System

Posted by: admin  Posted date: April 22, 2011 in Credit Cards Articles
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Understanding the concept of free credit score system via some key checkpoints can be done easily once you know its importance and usage. If you need help understanding your credit report, read this informative article.

It is actually normal for us to head for credit as soon as we’re inside a huge monetary need; nevertheless we’re running out of cash. In place of pawning our precious assets in replace for the sum that we require (which is generally minus the related interest), we can be related for different types of loans with suitable terms of repayments and reasonably priced interest rates. In addition, there are situations when the lender gives you discounts and other types of monetary bonuses to their shoppers, as a result making credit a helpful option if you are in massive financial need.

Alternatively, you will find those who usually do not realize the limits that should be followed while turning to credit. Read more…

Tags: Credit Report Free Credit Score

Earn $150 in Rewards With Chase Sapphire

Posted by: Matilda Sprent  Posted date: April 20, 2011 in Credit Cards Articles
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Add Chase to the long list of credit card providers who are upping their perks in an attempt to earn more business.

Ever since the economy crashed, credit card companies have been scrambling for new business. This makes sense: Consumers, burned by the economic meltdown, have become more cautious with how they spend their money. They’re more choosy, too, about which credit cards they select. It’s why so many card issuers are offering consumers thousands of free airline miles, $100 cash-back bonuses and other valuable perks just for signing up for their cards.

Chase with its Sapphire Card (review) is following this trend. New account holders can quickly earn $150 worth of rewards points with this card.

Here’s The Deal

New account holders will earn 15,000 rewards points if they charge at least $500 worth of purchases on their new Chase Sapphire Card within the first three months of activating it.

These bonus points are worth $150. Card

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Tags: Chase Chase Sapphire

Know How Your Credit Card Will Accrue Interest

Posted by: admin  Posted date: April 20, 2011 in Credit Cards Articles
1

Everywhere people look; credit-issuers advertise credit options. Mortgage loan adverts, car loan adverts and even department store credit adverts assault the senses. Finding the financing needed can seem a daunting task, but choosing between interest-bearing or interest free credit cards requires careful analysis.

Two Important Points of Focus
The first level of focus might be at the most basic level: Which cards offers the best interest rates? The obvious answer is the 0% credit cards. Unfortunately, the differences don’t end there, and consumers should look even closer within that sub-group for qualifications and restrictions.

1.  Fees: Annual fees can differ from card to card. Read more…

Tags: Interest Free Credit Cards

The Truth About Student Credit Cards

Posted by: Lola Thornton  Posted date: April 19, 2011 in Credit Cards Articles
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What was it Jack Nicholson said? “You can’t handle the truth!”

No, the truth about student credit cards isn’t all that drastic, I promise! Credit is a fact of life; everyone needs it if they want to get what they need. Yes, that even includes a job. So, having a student credit card is not a bad thing because it is a necessity.

Wrong Reasons for Opening a Student Credit Card

Having said that, students need to be cautious when applying for a credit card for certain reasons. They shouldn’t apply for the one that gives away what they consider the coolest gift. You know those gifts, the hottest new CD or a free t-shirt to add to your closet.

Students should make sure they aren’t applying to credit card companies because they are giving away free stuff in general. Having too many open lines of credit  doesn’t look good if you have to apply for student loans.

How Student Credit Cards Affect Credit

Each time a credit application is submitted, your credit score can lower for a set amount of time. Trying to keep

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Tags: Cards Credit cards Student Credit Student Credit Cards

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