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...

Have a Merry Christmas from DirectBanc.com

Posted by: Lola Thornton  Posted date: December 29, 2011 in Credit Cards Articles
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Holiday Greeting Terms of Service

Please accept with no obligation, implied or implicit, our best wishes for an environmentally conscious, socially responsible, low stress, non-addictive, gender neutral celebration of the winter solstice holiday, practiced within the most enjoyable traditions of the religious persuasion of your choice, or secular practices of your choice, with respect for the religious/secular persuasions and/or traditions of others, or their choice not to practice religious or secular traditions at all and a fiscally successful, personally fulfilling, and medically uncomplicated recognition of the onset of the generally accepted calendar year 2012, but not without due respect for the calendars of choice of other cultures whose contributions to society have helped make America great (not to imply that America is necessarily greater than any other country or is the only America in the Western hemisphere), and without regard to the race, creed, color, age, physical ability, religious faith, or sexual orientation of the wishee.

Limited Warranty:

This wish is limited to the customary and usual good tidings for a period of one year, or until the issuance of a subsequent holiday greeting, whichever comes first.Holiday is not intended to, nor shall it be considered, limited to the usual Judeo-Christian celebrations or observances, or to such activities of any organized or ad hoc religious community, group, individual or belief (or lack thereof).

DISCLAIMER:

By accepting this greeting, you are accepting the following terms: This greeting is subject to clarification or withdrawal, and is revocable at the sole discretion of the wisher at any time, for any reason or for no reason at all.

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Repair your credit to get the best out of borrowing money

Posted by: admin  Posted date: December 29, 2011 in Credit Cards Advisor
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If you are in debt and are having trouble in paying it back, one of the major consequences that you can face is a drop in your credit score. Usually if you are more than 3 payments late, it gets reported on your credit report. The process of debt settlement also reduces your credit score as in this process you don’t pay the full debt amount to your creditors; you settle the amount for much less than what you originally owed. However, the worse attack to your credit report is a bankruptcy. It will make your credit score tank by 150 to 200 points which can be lethal. A low credit score can affect you financially. Lenders will check your credit score while giving you a loan, whether secure or unsecured and with a low credit score you won’t get a loan at suitable terms and conditions. Thus it is extremely important that you do credit repair in order to raise your credit score. Read on to know about some credit repair tips to help you improve your credit score.

1. Che Read more…

Tags: credit repair

How Important is Your Credit Card Debt?

Posted by: Matilda Sprent  Posted date: December 17, 2011 in Credit Cards Advisor
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Do you ever find yourself feeling overwhelmed with debt, having to choose which bills to pay during any given month? It’s not a good position to be in, but it can be a challenge to get out of it. How do you choose what to pay first?

Let’s look at how credit card debt might compare to other debts you have and what you should do if you can’t afford to pay off your credit cards right away.

Prioritizing Credit Cards vs Other Debts

Credit card debt is definitely important. Getting in trouble with your credit card companies can hurt your credit history for years to come. But that can be said of any kind of debt, and credit cards aren’t always the most important things to pay off.

For example, you would definitely want to prioritize your debts and bills related to everyday living. That would include things such as your mortgage and utility bills.

Your car loan might also be more important, especially if you need that car to get to work. In the

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Tags: Debt

Capital One Platinum Prestige Credit Card Review

Posted by: Lola Thornton  Posted date: December 14, 2011 in Credit Cards Articles
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If you’re looking for a rewards credit card, you can stop reading now. The Capital One Platinum Prestige Card has several attractive benefits for cardholders, but a lucrative rewards program is certainly not one of them.

What this card offer does provide is low ongoing interest rates coupled with 0% introductory APRs on both purchases and balance transfers for 14 months. That makes it one of the best low interest credit cards on the market for people with good to excellent credit. 

  1. No annual fee
  2. 0% interest rate on purchases and balance transfers for 14 months
  3. Low ongoing interest rates of 10.9%, 14.9%, or 18.9% depending upon your credit level
  4. No foreign transaction fees
  5. MasterCard Platinum benefits include 24-hour travel and roadside assistance, extended warranties, travel insurance, and auto rental insurance

The absence of a rewards program makes this a less appealing card offer for consumers who never carry balances and only want a credit card to earn miles, cash back, or other rewards. If

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Tags: Card Credit Card Platinum Prestige

Apple Federal Credit Union Visa Platinum

Posted by: John Freycinet  Posted date: December 12, 2011 in Credit Card News
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The Apple Federal Credit Union (AFCU) offers several branded credit cards from Visa, but the Apple Federal Credit Union Visa Platinum gives members access to additional protections that are not widely available. Each AFCU Visa Platinum cardholder is charged interest according to his or her account history and credit score. AFCU also offers to hold cardholders harmless for any charges that they make with their credit cards that do not meet their expectations.

Get more online credit cards from credit card chaser!

Apple Federal Credit Union is a financial institution that services members that have careers in higher learning. You do not have to live in a state where AFCU branches are located as online account access is offered. The Federal Deposit Insurance Corporation explains how consumers looking for new credit cards can best weight their options.

Apple Federal Credit Union Visa Platinum Benefits

Apple Federal Credit Union Visa Platinum account holders get protections that are similar to those offered by large banks.

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Tags: Platinum Union Visa Union Visa Platinum Visa Platinum

Postal Cuts May Affect Card Payments

Posted by: Matilda Sprent  Posted date: December 10, 2011 in Credit Cards Advisor
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The U.S. Postal Service is considering drastic budget cuts to avoid filing bankruptcy. Those budget cuts would result in a slower delivery of first-class mail. Right now, first-class mail is delivered in one to three days. But, starting in January 2012, it could take two to three days for your mail to be delivered. That means your credit card payment could be late if you don’t send your payments early enough. (Bad news for Netflix DVD subscribers, too.)

If you mail your credit card payments, you’ll need to send them a few days earlier to be sure your payment arrives before your due date, especially if your due date falls on a day that mail isn’t delivered. You should be cognizant about paying ahead of time even if you use your bank’s online billing system to pay your bills since some payments are mailed rather than paid electronically.

Failing to mail your payment soon enough could result in a late fee.

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Tags: Cuts Cuts May