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Zack Nelson Profile and Articles
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1). Consolidating Debt? Find the Best Balance Transfer Card
Credit cards with their schemes of deferred payment provide people with cash they did not necessarily have in their bank accounts. In a flash, we bought that sweet little dress in the shop window or the hard-to resist computer gizmo. Unfortunately, that flash did not come from a magic wand but from credit cards whose bills we ultimately had to pay for with cold hard cash.
2). Credit Card Fundamentals
Credit cards are really useful and handy. You need not to worry about theft, burglary or carrying large sums of money. On the other hand, shopping can also be rewarding. Most of the credit card companies offer rewards in the form of gift vouchers; discount shopping, air miles etc, for every dollar you spend. Some of the points earned can be accumulated and later the reward is transferred to income generating account.
3). Credit Card Phishing Scams
What Is Phishing?
All new technologies come with their drawbacks and it is no different with credit cards. One of these drawbacks goes by the name of Phishing. When a person uses a fraudulent email or online shopping site to get hold of information about your credit card or bank, it is called phishing.
Phishing is easy which is why it is so popular with thieves.
4). Credit Card Skimming
All technological marvels have their drawbacks and this is true of credit cards too. One form of credit card fraud is skimming or making copies of information stored on credit cards. Every time your credit card leaves your hands, it becomes vulnerable to skimming.
Skimming In Public Places
Skimming usually takes place in a retail store, restaurant or a shop.
5). Credit Cards: Convenience & Controversy
Credit Cards, these two words may sound a warning to some ears and make others see red. But Credit Cards, like any other products or services are consumer friendly and designed to assist the consumer making their work and life more convenient and hassle-free. Like any other product or service, credit cards too can become a source of botheration for you it you are not handling credit cards diligently by the consumer.
6). Credit Cards: Initiation & Precaution
Credit Cards have become a part of our daily lives these days and it is hard to imagine a day going without the comfort of a credit card tucked in your wallet. However, convenience comes with risks, which arise due to our negligence. As soon as your credit card arrives, follow a few steps to avoid any inconvenience.
First Step With A New Credit Card
You should duly sign credit card as soon as you receive it.
7). Credit Ratings and Credit Cards
Credit ratings or credit score are the records of a person's spending pattern regarding credit cards and the repayment modes. Financial institutions, especially the credit card companies and the moneylenders, keep track of the credit statements of clients, their payment records and any delay/inability of repayment and the interests being paid due to late repayment of the credit.
8). Features Of A Pre-Paid Credit Card
A pre-paid credit card is just what it says, a credit card paid for in advance. Once the credit limit is reached, the credit card is just a piece of plastic. You have to again pay upfront to renew it. The credit limit is thus known, fixed and limited.
Advantages Of Pre-Paid Credit Cards
Pre-paid credit cards are sure guarantee against empty bank accounts and credit-induced poverty.
9). Features to Consider When Looking for the Best Gas Card
A gas card, as the name suggests is used for filling gasoline and availing subsequent points for various benefits offered by different companies to attract and retain their clientele. These gas cards are issued either by credit card companies or by gas companies for their retail stations. Now, even these two segments namely, the credit card companies and the gas retail companies are joining hands to spread their network and avail mutual benefits by issuing combined gas cards.
10). Find the Best Travel Rewards Card and Spend Toward a Vacation
Have money! Will fly! Those of us bitten by the travel bug can use a travel rewards credit card to make all those plans come true. The reputed ones usually have tie-ups with airlines and hotels. Their relationship can benefit you in many ways. Here is how it works.
Understanding The Benefits Of Your Credit Card
Before you get a travel rewards credit card, see that they match your travel plans.
11). Finding the Best Airline Card
A majority of credit cards provides reward points to every usage of the card that can be transferred into a reward of your option. The rewards can be an air mile, gift vouchers, shopping discounts or even cash back on purchase. Higher the points, better the reward. You can choose co-branded credit cards for better utilization.
Get More Miles with the Best Airline Card
Airline cards are usually offered in partnership with a credit card company and an airline company.
12). Finding The Best Cash Back Credit Card for You
Today the consumer is being bombarded with multiple options of various types of cash back credit cards constantly. Careful consideration of your lifestyle and spending habits will help you to select the one best suited for you.
Your values and beliefs influence your lifestyle. Make a choice of the cash back credit card, which provides you with more value in terms of reward points for the money spent.
13). How to Decide on the Best Rewards Credit Card
The collective battle cry in the market to ‘Serve the Customer’ in times of intense competition can be quite overwhelming. Subliminal persuasion by the companies and the myriad rewards credit cards available to the consumers can make the choice of one an onerous task. Essentially, the rewards credit cards attracts consumers motivates spending by providing loyalty rewards.
14). In College? Find the Best Student Credit Card
Credit card for college students has high annual fee and interest rates. Student credit card does not require a co-signer, since the credit limit is low and if the limit is breached you must have a co-signer. This co-signer will be responsible for the payment. Student credit cards are available online, and one can choose according to the needs of the credit card.
15). Why You Should Avoid Paying Income Taxes with a Credit Card
We all agree that the credit card is very convenient. That is why the IRS allows you pay your taxes through it. To sweeten the deal, credit card companies offer rewards in the form of frequent flyer miles. So you can get a free air ticket too. But hang on, is that convenient to your pocket too? Sadly, the answer is no.
Disadvantages
The IRS has authorized third party companies to process your credit card payments.
16). Why You Should Consider a Business Platinum Credit Card
A business platinum credit card is not one of the regular business credit cards with a unique feature where not only you but your business also benefits from it. Apart from offering various freebies and discounts, what makes a platinum credit card special is its low interest rates and the flexibility it offers.
Benefits & Features
A business platinum credit card allows you to vary your spending every month and gives you the flexibility of spending without present limit, which makes it easier for you to spend the amount that you need.
17). Your Credit History: What Gets Reported And What Does Not
A credit report is a document that outlines your financial status, specifically your credit history. The three national reporting agencies, Experian, Trans Union and Equifax, work independently so it is advisable to get reports from all three for an accurate picture.
Type Of Information
The credit report contains personal, financial and public information along with recent requests.
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