Credit Articles

1). Paying Off Your Credit Card Balances: Running The Numbers By : Stephen L. Nelson, CPA
Ever thought about paying off your credit card balances? Maybe you would like to be debt free just to reduce your stress. Or perhaps you need to be debt free to retire. If you have Microsoft Excel running on your computer at home or work, you can use Excel’s NPER function to calculate how quickly you can pay off a debt such as a credit card balance.
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2). Chase Free Cash Rewards Visa Credit Card - Pros and Cons By : George Allen
The Chase Free Cash RewardsSM Visa® Card, issued by Chase, is designed for those with very good credit who would like a card that offers a cash back reward program.
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3). What Is a Good Credit Score – How Can I Raise Mine? By : Peter Crump
What is a good credit score? When you request a free copy of your credit report, you will find a score assigned to your credit history. This score will determine whether or not creditors will grant you the loan or credit that you want because it gives them an idea of your risk to repay. Generally, the answer to the question “what is a good credit score?” is the higher the better.
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4). Credit Card Debt Statistics By : Joseph Kenny
In the United States, the debt levels of Americans have continued to increase since the 1980s. It was during this time that the use of credit cards greatly increased. Credit cards companies begin looking for different ways to market their products to consumers, and used such things as direct mail, commercials, and other marketing tactics. It was during the 1980s that consumers begin moving away from cash and checks into credit cards.
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5). Online Credit Card Application: The Easiest Way To A Customer’s Heart By : David Riewe
Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective card holders: online credit card application. What advantage/s does online credit card application offer? The bottom line of online credit card application is “convenience”.
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6). How Your Credit Card Interest Charge Is Determined By : Joseph Kenny
Your credit card's interest rate isn't the only thing that affects how much you end up paying on your credit card bill, though it is a major determining factor. There is a difference between your interest rate and your interest charge. In simple terms, the rate is the percentage of your balance that your interest charge will be based on. The interest charge is the actual number of dollars that you pay for interest - based on your interest rate.
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7). How To Build Up Your Credit By : Ken Snow
There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don’t need. If you always make impulse buys, you will find yourself in deeper debt very quickly.
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8). Credit Card Faq - Credit Card Security And Authentication By : Joseph Kenny
With the ever rising reports of credit card fraud, fraudulent use, internet phishing and identity theft, people are rightly concerned about credit card security. Fraudulent credit card use can be an annoyance at best, and seriously damage your credit at worst. It's only reasonable that people have questions about credit card security and authentication methods.
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9). Instant Credit Approval - Avoiding Fees By : Robert Alan
This article describes how to avoid paying fees on instant credit approval
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10). The Importance of Credit Report Monitoring By : Sandra Stammberger
Credit report monitoring is a smart move for anyone these days. Credit report monitoring can provide an early warning if someone has committed identity theft against you, a problem that is becoming more and more prevalent as technology makes it easier for thieves to obtain confidential information that in years past would have been harder to get.
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11). Best Rewards Credit Cards By : Richie Chapin
It's almost a guarantee when you check your mailbox you will have a couple pieces of mail offering you a pre-approved credit card. Now most people will casually discard them without any regard to the offer that is inside. But before you throw away that credit card offer you may want to take a peek at it. Many credit card companies are now offering you FREE rewards just for using your credit card.
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12). Excessive bank account and credit card charges attacked as “unfair” and possibly illegal By : Michael Hanna
One missed credit card payment, or going overdrawn without permission, and suddenly a £30 charge can be incurred. Bank charges can seem to be unfair and too harsh given the frequently tiny amounts of unauthorized borrowing involved. Now it seems that the law could be in agreement. Following on from an investigation launched in October 2003, eight.
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13). Credit Cards and Minimum Payments – Living in Debt By : Joseph Kenny
Many people love their credit cards. It’s a fact of life and the figures bare this up. If you look at the rate at which UK credit card debt is rising it is quite amazing. Millions are being spent all day every day in an endless frenzy of spending. Pretty soon, three quarters of all adults in the UK will have credit cards and if you were to ask any of them to give theirs up, you can bet their answer would be no.
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14). How To Avoid Bad Credit By : Joseph Kenny
Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won't hire you. Lenders are unlikely to give you a mortgage. Getting an unsecured credit card will also be hard, if not impossible. It is not a secret that many people have less than perfect credit. But why is this, and what can be done about it? Many of the credit problems people experience is a self-inflicted wound.
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15). Credit Cards and Divorce By : Joseph Kenny
If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. This includes mortgages on a jointly owned home and any joint credit cards that you have. You also need to be aware of how failure to pay those debts on time will affect your credit rating – even if your divorce decree states that you are not the party responsible.
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16). How To Wipe Out Bad Credit And Rebuild Your Credit Report By : Conleth C Onu
Most people who have bad credit think there is nothing they can do about it. They mistakenly believe that they have to live with their bad credit for a long time. You don't have to live with bad credit or pay hefty fees to have your credit repaired. You can remove bad entries in your report and rebuild your credit profile. You don't need to spend a fortune to accomplish this.
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17). The Travails Of The Pros And Cons Of A Small Business Credit Card By : Sohel Katir
For small business credit card getting a sense out of a deal is, in some instances, the most difficult thing to do. This is because most people could not instantly figure out the benefits they can derive from obtaining it. Take for example the case of small business credit card. Some people contend that business credit cards are crucial in the growth of a business, while other s contend that it is just one way of losing their investments.
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18). How Credit Card Balance Transfers Can Affect Your Credit Score By : Jake Rustenhoven
Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer.
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19). Buy A Car With Bad Credit - 4 Tips On Getting Approved By : Carrie Reeder
Financing a new or used car with poor credit is feasible. However, there are ways to boost your approval chances and possibly acquire a reasonable interest rate. Do not enter the car buying process blindly. Individuals with good credit have many options. On the other hand, if your credit is bad, you must search for a good deal. Here are four tips to help you obtain a car loan with bad credit.
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20). How to Choose the Right Credit Card For You By : Richie Chapin
So your thinking about getting a credit card but your not exactly sure what to look for right? Well there are a lot of different things to consider when applying for a credit card. Some things to think about are the interest rate, annual fees and features the credit card may offer. Here are a few tips that will help you choose the best credit card for you.
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21). Credit Bureaus Adopt New Credit Scoring System By : Rick Hendershot
The three major consumer credit bureaus in the U.S. have recently created a new credit scoring system that will give financial institutions a more consistent evaluation of the credit worthiness of applicants. The three agencies -- Equifax, Experian and Transunion -- have introduced the new system called "VantageScore". The new scoring system will be used immediately for reporting to banks, lenders, and credit card companies, and will be available to consumers later in the year.
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22). Should I cancel my unused credit cards? By : Jakob Jelling
Should I cancel my unused credit cards? This is a question many people ask themselves and searching for a right answer. If you are one among them this comprehensive guide will help you how your unused credit cards can affect your credit scoring and some tips to be known before you cancel your unused credit cards. Though having one or more credit cards with you is an easy way to get some money urgently, remember your unused credit card can affect your credit scoring.
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23). The Best Ways To Build Credit: How Credit Cards Can Help By : Ed Vegliante
If you have not yet established a credit record for yourself or you are in the process of rebuilding your credit, getting a credit card can greatly help you. The fact is, credit cards are one of the best ways to build a credit history and increase your credit worthiness. If you wondering why you need to build your credit, consider the following reasons: 1.
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24). Credit Card Applications - Getting Accepted By : Joseph Kenny
Although they can be painful at times, life today without the ease of a credit card is no longer a reality. So, if you think you want a credit card, here are some essential factors you’ll need to consider when applying for a credit card: Your Credit History One of the most essential elements to applying for a credit card is what you current credit history is.
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25). Credit Card Charge-Off – What Does It Mean And What Should You Do About It? By : Charles Phelan
Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off.
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