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...

IRS Offers New Penalty Relief for Unemployed & Self-Employed

Posted by: Lola Thornton  Posted date: March 30, 2012 in Credit Cards Articles
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Uncle Sam is usually a pretty unforgiving guy, but if you were unemployed in 2011 he might be willing to cut you some slack on your taxes this year.

While Uncle Sam will of course want the full amount of taxes you owe at some point in time, you may be eligible to receive extra time to pay your 2011 tax bill without incurring additional failure-to-pay penalties (.5% to 1% of your unpaid taxes for each month up to 25 percent of your unpaid taxes). That could save you as much as $500 per month!

For those going through a difficult stretch of unemployment since the beginning of the year, bank accounts are probably looking pretty bare right now, which means this news might come as a huge relief as taxes are due in just over two weeks. The new rules also apply to self-employed individuals whose businesses are struggling due to the prolonged economic downturn, so you don’t even need to be technically “unemployed” in order to take advantage of this program.

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Tags: Unemployed Unemployed Selfemployed

Debt Consolidation Information : Don’t Get Burnt by Bad Companies

Posted by: Lola Thornton  Posted date: March 27, 2012 in Credit Cards Articles
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 It’s an unfortunate sign of the times that we are seeing a proliferation of ads promoting debt consolidation and debt settlement companies giving bad debt consolidation information. While there is no doubt that more people are in financial distress and could use some help, many of these ads are targeting the most vulnerable, those at the end of their rope who think they have nowhere else to turn.

The ads, sometimes presented as “official” press releases, appear on the surface to be legitimate, professional, and client-serving, which is enough to attract any desperate person to their websites. But a look under the hood of the website reveals that many of them are nothing more than predatory scams fully intended to capitalize on another person’s misery with bad debt consolidation information.

With most of them, there is absolutely nothing in the math of their exorbitant fees and interest charges that could possibly work out to the benefit of the consumer. Yet, their Read more…

Tags: Companies Consolidation Information Debt Consolidation Debt Consolidation Information

Credit Card Profile Update: HSBC Credit Card

Posted by: Matilda Sprent  Posted date: March 23, 2012 in Credit Cards Advisor
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Are you the type of consumer who pays off credit card balances in full each month to get interest free days? If so, a no annual fee credit card like the HSBC Standard card could be perfect for you, because your credit card account is practically free.

Learn more about the HSBC credit card below to find out if this basic card is right for you and your spending habits.

Type of Credit Card: No annual fee credit card

Interest Rates*: The HSBC credit card charges an annual percentage rate of 17.99% on new purchases. However, you can avoid these interest charges if you pay off your balance in full every month to take advantage of the up to 55 interest free days offered by HSBC.

On the other hand, the only way to avoid the even higher cash advance rate of 21.99% is to avoid cash advances altogether.

Looking to save on an existing balance? You can get 0% interest on balance transfers for your first six months as a cardholder!

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Tags: Card Credit Card

When Debt Collectors Call Anyway

Posted by: Matilda Sprent  Posted date: March 21, 2012 in Credit Cards Advisor
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The way to stop debt collection calls (other than paying the debt) is by sending a cease communication letter. But what do you do when the debt collector continues to contact you even after you’ve told them to stop? Start by making sure they received your letter telling them to stop calling.

A complaint to the Federal Trade Commission may be necessary. It won’t necessarily stop calls immediately, but with enough complaints the FTC might launch an investigation into that agency.

Read: What to Do When a Collector Won’t Stop Calling

Tags: Call Call Anyway

SimplyCash Small Business Card from American Express Review

Posted by: Lola Thornton  Posted date: March 20, 2012 in Credit Cards Articles
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Access to a revolving line of credit can make or break a small business, especially during the start-up stage when cash flow can be so difficult to predict. However, finding a bank that’s willing to lend to small businesses these days is not an easy task! The reality is not many are left.

Fortunately, there are still a few credit card companies that remain committed to providing business owners with small business credit cards, which can serve as an excellent alternative to traditional lines of credit. American Express is not only one of those credit issuers that still offers a suite of small business credit card options, but they also happen to offer one of my favorite no annual fee credit cards for business— the SimplyCash® Business Credit Card.

Here’s a brief overview of the top things I like, and don’t like, about AmEx’s SimplyCash® Card:

What I like about the SimplyCash® Small Business Card

What I don’t like about the SimplyCash® Small Business Card

My Final Take

The name, SimplyCash®, really says it all. For no annual fe

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Tags: Business Small Business

US Federal Credit Union Visa Classic Credit Card

Posted by: John Freycinet  Posted date: March 20, 2012 in Credit Card News
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The US Federal Credit Union Visa Classic credit card is part of the trio of cards that USFCU offers its members. All three cards have the same benefits and low fees. The only major difference is the interest rate on each card.

The tool at the bottom of the page is your FREE ticket to finding credit card options!

Unlike many other Visa Classic cards, this card offers all the same services that USFCU provides to cardholders of its other cards. Because it is offered by a credit union, youre sure to find great customer service and community involvement.

USFCU Membership Requirements

By law, credit unions restrict their memberships to a particular group of people.

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Tags: Card Classic Credit Classic Credit Card Credit Card