Introductory Articles

1). 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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2). Balance Transfer Tips – Maximizing The Benefits of Transfers By : Joseph Kenny
While transferring your balance from a high interest credit card to one with a low interest rate is easy, there are certain things that should be taken into consideration. The first thing you want to do is look at your current credit standing. If you have a good credit history, you should have no problem getting a card that has a 0% interest rate. Once you get this card, you can transfer over your balance from the high interest credit card to your new card that has a 0% interest rate.
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3). How To Choose Your New Credit Card By : Joseph Kenny
Choosing a new credit card is not just a personal choice. It's a lifestyle choice. There are hundreds of credit cards to choose from and savvy shoppers will want to choose credit cards that suit the way they spend and the things they want to do. Why Do You Need A Credit Card? First of all, consumers need to consider why they need a credit card. For example, some people may be using the credit card to improve their personal cash flow.
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4). 0% Credit Cards: Are They Worth It? By : Joseph Kenny
Credit card jumping has become a common practice. The term refers to the habit of moving debt balances from card to card to take advantage of preferential rates. But just how worthwhile is credit card jumping for consumers? UK consumers have staggering levels of debt. Consumer borrowing has grown by more than 50% in five years. It's no wonder that people are looking for new ways to ease the debt burden.
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5). Paying The Price Of Credit Card Jumping By : Joseph Kenny
Having a debt and paying no interest on it seems almost too good to be true. But many consumers use their credit cards to do just that. The process is known as rate surfing or credit card jumping.
Article Related to: credit, cards, interest, transfer, balance, introductory, fee, charge, cost, interest, purchase

6). How to Eliminate Credit Card Debt By : Joseph Kenny
Each year more and more people find themselves drowning in a pool of credit card debt. While it is comforting to some degree to be able to take solace in the fact that you’re not alone, most people would also prefer being able to eliminate the credit card debt all together.
Article Related to: credit, cards, introductory, debt, owe, money, cash, cost, charges, payments, interest

7). Switching Credit Cards For A Better Deal By : Joseph Kenny
You may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have! So, if your credit card provider is not offering you the best current market conditions, the time may have come for you to consider a switch.
Article Related to: credit, cards, low, interest, cost, rate, tart, balance, introductory, charges, fees, apr

8). Choosing A Credit Card That Suits Your Repayment Habits By : Joseph Kenny
When choosing a new credit card it's best to pick a card that suits your spending habits. However, this is not the most crucial factor. Even more important is to choose a credit card that matches your paying habits. This will ensure that you don't end up paying over the odds to repay your credit card debt. Consider these scenarios: Big Spender, Big Payer You put most of your spending on your credit card each month.
Article Related to: credit, cards, rate, introductory, offers, interest, balance, transfers, deal, months, payments

9). Credit Card Security Advice By : Joseph Kenny
Which of the following is the biggest threat to your credit card security? a) Shopping online with a credit card b) Shopping in a real store with your credit card c) Ordering something over the phone with your credit card The answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and identity theft, shopping online is a relatively safe process.
Article Related to: credit cards, fraud, identity theft, online fraud, late payments, gold, platinum, balance tranfers, apr, introductory

10). Are You A Credit Card Tart? By : Joseph Kenny
Some people use the word tart as an insult; others as a bit of friendly banter. Either way, it's not the sort of term you associate with financial matters, especially not with credit cards. A credit card tart is someone who moves from credit card to credit card, taking advantage of the best offers. In the process, that person can save hundreds, and perhaps make money as well.
Article Related to: credit, cards, rate, introductory, offers, interest, balance, transfers, deal, months, payments

11). Choose A Better Balance Transfer Card By : Joseph Kenny
If you are currently experiencing problems making repayment of your credit card debt, then the time has come to consider switching your credit card account to a 0% account. However, if you make the wrong choice, you could end up in the situation where you actually pay more to the credit card company than would otherwise have been the case if you had.
Article Related to: credit cards, balance transfers, compare, charge, fee, cost, debt, interest, introductory, payment

12). Rate Tarts – What are they? By : Joseph Kenny
According to leading market analysts, rate tarts are costing the UK lending industry over one billion pounds a year. This is pretty much the same as saying that rate tarts are saving themselves one billion pounds a year. So what, or who are they, and why have they gotten the lending industry’s attention. 0% Balance Transfer Credit Cards Well, most people are reasonably familiar with the balance transfer and other offers that lenders are putting out to try and entice customers to come over to them from other lenders.
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13). Low Interest Credit Cards - Make Sure You Have The Cheapest Rate By : Joseph Kenny
Making sure that you pay the lowest rate of interest chargeable on your credit card usage is vital if you want to maintain an effective money management scheme. As such, knowing how to make sure you pay the lowest interest rate on your credit card should be viewed as an essential element to deciding which credit card you should select. As we all know,.
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14). How Easy Is It To Get A 0% Interest Credit Card? By : Joseph Kenny
Back in the 1990s, if you had told most UK credit card users that one day they would be able to get a credit card offering them 0% interest they may well have looked at you as if you had just arrived from Mars. Today, 0% interest on a credit card is not just as possibility, it is a reality. How Did We Get 0% Interest Credit Cards? Now, UK credit card providers are not known from their charitable natures.
Article Related to: credit, cards, purchases, introductory, offer, deal, interest, apr, rate, cash, rewards, benefits

15). How Credit Card Jumping Affects Your Credit Rating By : Joseph Kenny
Credit card jumping (or rate surfing) is becoming more widespread as people struggle to keep on top of the mountains of debt they have amassed. It's called credit card jumping because people jump from credit card to credit card, taking advantage of the best deals on offer. How Credit Card Jumping Works It works like this. Suppose you pay for your new car, DVD recorder or stereo using your old credit card.
Article Related to: credit, cards, transfer, balance, introductory, offer, zero, cash, earn, interest, money

16). How To Compare Credit Cards By : Joseph Kenny
When you shop for a credit card, you want one that has the best features and options available. If you get the wrong credit card, you could end up with a high interest rate or unnecessary fees. The number of available offers is staggering and what works for one person may not work for another. It is important to decide what credit card you want, and look for offers which match what you're looking for.
Article Related to: credit, cards, compare, best, interest, loyalty, rewards, points, cash, back, introductory

17). Credit Card Balance Transfers - 0% Introductory Offers By : Joseph Kenny
Balance transfers have grown in popularity and importance ever since lenders have started using zero per cent interest rates on balance transfers to lure consumers from other companies to their own. Introductory Offers These 0% balance transfer offers give the customer a very low, or zero per cent interest rate on any sum transferred from another credit card, over to them.
Article Related to: credit cards, introductory, balance, transfer, transfers, best, rate, tart, interest, 0, zero, rate

18). Credit Card Offers: Compare Before You Accept By : Joseph Kenny
Credit card offers are everywhere. It is likely that you have received them in the mail or have seen them on a television advertisement before. There are many individuals who make a costly mistake when it comes to accepting a credit card offer.
Article Related to: credit, cards, rate, introductory, offers, interest, balance, transfers, deal, months, payments

19). Make Money With Credit Cards By : Joseph Kenny
It’s hard to imagine that you earn money with a credit card if you manage your debt correctly, but ever since Egg got the jump on its competitors with the 0% Egg Card on Christmas Day in 2000, you can actually make money with credit cards – balance transfers is how you do it! Of course, today nearly all of Egg Card’s competitors have had to follow.
Article Related to: credit, cards, money, earn, interest, transfer, rate, tart, balance, introductory, cash, back

20). How To Find Good Balance Transfer Cards By : Joseph Kenny
If you have a credit card you're likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. Credit card balance transfers are an easy option for managing credit. Some people switch their balances from card to card to take advantage of each new offer. This is known as card jumping or rate surfing.
Article Related to: credit, cards, new, introductory, balance, transfers, offers, apr, 0, zero, best, term, payments

21). Avoiding Credit Card Wipe-outs: How To Succeed With Rate Surfing By : Joseph Kenny
Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right. Rate Surfing Research First of all, start by researching the current credit card rate offerings to see which one is best for your circumstances. Many people opt for the 0% interest deals, as these allow them to apply the payments the make to clearing any outstanding debt.
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22). Interest Free Credit Cards – Getting Accepted By : Joseph Kenny
If you've got a debt but you don't want to pay any interest, the answer could not be simpler. All you need to do is find a credit card with a 0% interest rate on balance transfers. This is an introductory offer commonly offered by credit card companies. How Long Does The Interest Free Period Last? Most credit card companies offer the low balance transfer rate for a fixed period.
Article Related to: credit, cards, interest, free, 0, introductory, offers, transfer, balance, purchases, credit

23). How To Select A 0% APR Interest Credit Card By : Joseph Kenny
When you are looking for a credit card, you probably already know that you cannot beat a 0% APR interest credit card. After all, what can be better than paying no interest? Of course, this only applies to the introductory offer, but it can sure beat the interest levels you may already be paying on another credit card.
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24). Things to know about credit cards By : Joseph Kenny
A credit card is a card that allows you to borrow money for paying your purchases but bound to a certain limit. At the end off every month either you have to repay the whole amount or a minimum amount. A planned credit strategy will enable you to improve your credit worthiness. The most obvious thing, which can be done for building a good credit history, is repaying your bills on time, taking measures to protect your credit standings and making your credit report accurate and flawless.
Article Related to: credit cards, late payments, gold, platinum, balance tranfers, apr, introductory

25). Introductory Rate Credit Cards: Some Popular Features By : Joseph Kenny
Using introductory rate credit cards has become a popular way for UK borrowers to manage credit card debt. Introductory rate credit cards offer borrowers a preferential interest rate when they first sign up for a new card. There are three main ways in which this can happen. All of the ways offer significant advantages for credit card borrowers. 0% Balance Transfers The one that is most appealing to consumers is the 0% balance transfer offer.
Article Related to: credit, cards, rate, introductory, offers, interest, balance, transfers, deal, months, payments