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 cards may not always be best option for young adults

Posted by: Matilda Sprent  Posted date: January 27, 2011 in Credit Cards Articles
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While many parents feel that their teenagers should begin to become more financially independent, those who compare credit card offers from lenders know that this demographic does not always get the best deals. And some in this demographic may not be responsible enough to handle a card with high interest rates or other fees.

As a result, many will want to examine other options, such as debit cards linked to bank accounts and prepaid cards, to cover their children’s spending.

BillMyParents is one new service many may want to consider. With a BillMyParents prepaid card, parents can set limits for their children’s spending, and unlike other options, there is no way for the preset amount to be exceeded. The card offers many advantages, such as easy reloading options and no monthly minimums. Also, if the card is lost, the BMP card can be replaced, unlike stolen or misplaced cash.

“People are going to see debit cards as the wave of the future,” Jim Collas, founder of BillMyParents, told San Diego.com. Read more…

Tags: Credit Credit cards

Free Checking: Another One Bites the Dust

Posted by: Lola Thornton  Posted date: January 27, 2011 in Credit Cards Articles
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I’ve had a free checking account with WAMU (now Chase) since 2004. And while I’ve never used it as my primary checking account, I did maintain a decent balance while running several transactions through it each month. Frankly, it was just nice to have around when I needed it, and I probably would’ve never thought about closing my account had it not been for a letter I received from Chase a few weeks ago.

Apparently Chase, as we’ve seen with many other large banks like Wells Fargo and Bank of America, is ditching the old WAMU slogan – “Home of Free Checking” – and adding a $10 monthly fee to my account effective February 1st. The nerve! This is just absolute craziness to me. I’ve never paid a monthly fee for a checking account in my entire life. It just goes against the very core of my being. But alas, it’s no secret what’s going on here, and I can’t blame Chase. I’m sure I was an unprofitable customer in the first place.
Need money? Go to Read more…

Tags: Checking Free Checking

As Borders flirts with bankruptcy, it’s time to use their gift cards

Posted by: John Freycinet  Posted date: January 26, 2011 in Credit Cards Articles
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I got a gift card myself for Christmas, and I’m heading to Borders today to use it.

That’s because news leaked out last week that the long-troubled bookseller has hired bankruptcy attorneys to help it sort through its options.

Consumers should do themselves a favor and get to the nearest Borders now to make sure they get full value from their gift cards. While Borders has said it still hopes to evade bankruptcy, I’d get there pronto. The history of retailers honoring gift cards after bankruptcy filing is mixed, and your right to redeem a card is not guaranteed.

In Chapter 11 bankruptcy, companies try to restructure instead of shutting down, and use bankruptcy court to reorganize debts. Those companies tend to keep honoring gift cards to keep their customers loyal.

Even if a retail chain does go Chapter 7 — liquidating and shuttering its stores — the shutdown doesn’t have to happen instantly.

Read more…

Tags: Gift Gift Cards

Zero percent balance transfers persist despite CARD Act changes

Posted by: Matilda Sprent  Posted date: January 26, 2011 in Credit Cards Articles
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This holiday season, many consumers expressed their apprehensions about using credit cards for purchases, and a majority followed through on their assertions, switching to cash, debit and checks for their payments.

However, credit card companies have been taking note. As a result, those who compare credit cards could find big savings this year, and even options with more than one wallet-friendly incentive.

After the passage of the Credit Card Accountability, Responsibility and Disclosure Act of 2009, many industry experts expected zero percent introductory offers to disappear. This is because some consumers would use the cards for introductory benefits and then discard them once normal interest rates took over.

Despite this prediction, issuers have unveiled a host of zero percent offers for those whose credit scores are up to par. This includes zero percent introductory rates on balance transfers and/or purchases. Read more…

Tags: Card Card Act

Washington Nationals Credit Card

Posted by: John Freycinet  Posted date: January 25, 2011 in Credit Cards Articles
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The Washington Nationals Credit Card is a fantastic choice for the true Washington Nationals fan. This is one of the Major League Baseball sports credit cards that can be customized with the name and logo of your favorite pro baseball team.

Credit cards that let the cardholder make a statement about something that is important to him or her are becoming increasingly popular. For sports fans, they are in huge demand. That’s why every professional sports organization offers a credit card for its supporters. Compare your credit card choices online, now!

Choosing a credit card is about much more than simply the image on the front of the card. Before you take out your next credit card, familiarize yourself with the terms, conditions and rewards of the card. Compare it with a variety of others so you know what is out there. Know the criteria you are looking for in your next credit card before you even start to look for it. P

Read more…

Tags: Card Credit Card Nationals Credit Nationals Credit Card

Top 10 Credit Cards for Students

Posted by: Lola Thornton  Posted date: January 22, 2011 in Credit Cards Articles
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We’ve all heard the horror stories. In fact, you’re sure to know a handful of friends or relatives who’ve racked up an eye-popping amount of credit card debt while in school, and now they’re paying dearly for it.

As a college student, you may be feeling as though you don’t want to get involved with credit cards at all. And while there’s a good case to be made for avoiding credit cards at a time in your life when you might be especially tempted to rack up debt, there are also many advantages to using credit cards wisely during the college years.

If you’re responsible with your credit card by paying off the balance in full and on time each month, then you’ll be able to quickly build a great credit history before you even get out of school.  Then, when the time comes soon after graduation to secure a mortgage for a home, an auto loan, or student loans for a graduate education, you’ll be leaps and bounds ahead of your peers who simply chose to ignore their credit.

To help you in your search for the perfect card, here are my top 10 credit cards offers for students:

1. Citi Forward Card Read more…

Tags: 10 Credit Credit

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