04:25:47 AM Thursday, July 24, 2008
It is, probably, no secret to anyone that many students manage to collect significant credit card debts by the time of their graduation. No wonder. When you are 18, you do not really care for wise financial management and do not bother yourself to reflect for hours, days or even weeks which credit card is the most beneficial for you. Studies, friends, parties and love affairs are what occupies your thoughts.And a careless attitude to credit card management is sure to result in credit card debt. However, the latest research carried out by Student Monitor is very promising. The study showed that the average credit card balance on student plastics went down by 19%, as compared to last year.View full story Comments (0)
04:47:05 AM Thursday, June 26, 2008
Airline credit card deals become extremely popular during summer. Summer is a vacation season, the perfect time for travelling. And what every vacationer going on a far distant journey has to have in his or her traveler's tool kit is a credit card with airmiles rewards.Frequent flyer plastics are great for overseas trips. These offers grant you bonuses and perks associated with travelling. You just make purchases and get such rewards as free hotel stays, free airline tickets, discounts on travel services and so on. Going on a trip this summer? Learn about top airline credit cards popular this season!View full story Comments (0)
05:52:53 AM Monday, June 09, 2008
Credit card fraud and interest rate are the two major downsides to using credit cards. But while paying off credit card balance with interest accrued is a burden that credit consumers carry of their own free will, falling a victim to fraudulent activities is something that every card owner wants to avoid.Scammers invent more and more new sophisticated ways of predatory practices. Online credit card fraud is one of the most widespread and loss-making forms of credit crime. Phishing credit card scam is a popular type of online fraud. Learn about this kind of scam in order to protect your credit from damage.View full story Comments (0)
04:59:34 AM Monday, May 26, 2008
Great Britain and America at first sight seem to be two absolutely different countries with different political systems, history, customs and traditions. But if you look closer, you will find a few things that these countries have in common. First of all, it is the English language, of course. Though the UK and the American versions differ a lot, it is still the same language.The USA and the UK are both developed countries with high standards of living, high level of scientific and technical progress and diversified, healthy economies. What else the countries share - is the leading positions in the world credit industry. But are Britons' credit card habits are similar to the US credit consumers' ones?View full story Comments (0)
05:12:34 AM Thursday, May 15, 2008
The spring is in full swing. Trees are green, flowers blossom, preparing to welcome the forthcoming summer. Everything grows. The country's economics is, apparently, getting ready for the summer too. The prices are rising, the unemployment rate went up to 5.1% this March, credit card delinquencies are increasing. Everything grows.Now that the U.S. economy is experiencing a slowdown, credit card companies and banks are going through hard times. The number of credit card delinquencies has hit the ceiling. And creditors really do incur losses. In order to make up for the losses, credit card companies toughen credit card terms, rise interests and fees, become more deliberate in the choice of clients.View full story Comments (1)
06:05:25 AM Thursday, May 01, 2008
Our life is totally unpredictable. You never know what is going to happen tomorrow. So, in order to secure our future to some extent we insure what we value the most. We insure our life, our health, house, cars. Credit insurance as compared to your life and health do not seem to be worth caring for. However, taking into account that most of large purchases you make, involve some type of loan or credit, you can see that credit insurance is a must-have for you. No one can be protected from accidents, job loss, theft, and other bad incidents. Besides, buying a house or a car in about 90% cases involves buying a compulsory insurance.View full story Comments (0)
02:42:40 AM Thursday, April 10, 2008
As the proverb goes, good health is above wealth. But these days staying healthy is nearly impossible without considerable expenses on medical bills. Health is really expensive today. And medical treatment in this country does not grow cheaper year after year. According to the statistics, as compared to the previous year, now Americans spend about $ 1,500 more on medical services.The thing is, insurance companies shift more and more healthcare expenses on patients. And alongside with all the rest credit card bills, some people just cannot afford going to a doctor. So, what can be the way out? Medical credit cards - that is the solution.View full story Comments (2)
05:34:37 AM Thursday, April 03, 2008
Environmental problems grow more and more acute. And the health of our planet causes not just ecologists' concern, many people all over the world try to make a contribution to saving the Earth. Some make donations, some join the Greenpeace movement, others choose green credit cards, designed especially for those who care.Green credit cards help to fund environmental projects dedicated to reduce carbon emissions, and other nature preservation-oriented projects. Green offers became extremely popular with U.S. credit consumers. Last year they yielded only to Capital One's Card Lab on '07 credit card bestsellers charts. Soon Asian credit card holders will also get a chance to contribute to saving environment.View full story Comments (0)
05:52:43 AM Monday, March 24, 2008
When you are out on the shopping spree, you are free to buy anything you like. The only limiter you have is the amount of money available. When it comes to choosing the right credit card for you your major limiting factor is your credit score. And now your credit rating becomes more important than ever.Credit card issuers tighten credit card requirements. The mortgage crisis that broke out last year left credit card companies and banks in great money losses. Nearly all financial institutions had to face credit delinquencies. And now, in order to secure themselves against more possible losses, banks and companies are very particular about their clients and their creditworthiness.View full story Comments (1)
06:44:31 AM Thursday, March 13, 2008
As the competition on the credit card market is keen, credit card companies, fighting for customers, develop new strategies of attracting new clients and keeping loyal regular ones. Card issuers design new enticing credit card offers and introduce new services. Some of them seem to be very beneficial at a first glance. But before signing up for one of them you are to find out as much as possible about it.Have you ever heard of a "skip-a-payment" service? Let us take a closer look at this service and figure out whether it is worth signing up for or not.View full story Comments (1)
I am looking for a great balance transfer offer, however I see that even though there are lots of 0% APR offers for balance transfer, there is still a BT fee of 3% on most of the offers. I'm looking to transfer $6,000, which would mean a $180 fee for me. Is there a way to avoid the fee? Are there offers with no BT fees and 0% APR on BT for 12 months?
Answer:We would like to suggest you not to hunt after balance transfer credit card deals without fees. The best balance transfer offers usually have 12 months introductory period with 0% APR. There are some offers without fees, but they have much shorter introductory period. We advise you More Card by Discover. This card has 12 months 0% APR intro period, no annual fee, low APR on purchases and more!
July 08, 2008
The Federal Reserve recently proposed to take measures in order to eliminate unfair credit card practices performed by credit card companies and banks. The Fed also suggested toughening rules and regulations for lenders. Hidden credit card fees, unreasonable interest rate hikes, unfair charges, aggressive anti-delinquency policy and other abusive credit card practices are promised to be banned.
This would definitely bring a relief to credit card holders. But how will creditors tolerate such a policy? Banks and credit companies still trying to make up for the losses caused by credit crisis and trying to survive in the conditions of economic recession, are upset with such Fed's moves, to put it mildly. But whose prayers - lender' or borrowers' - will be heard by the Fed?
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June 17, 2008
Nothing is certain but death and taxes. This proverb is pretty old and very popular in America. And it is a rather questionable issue - what Americans hate more. Tax time can, probably, be called an antipode to Christmas time so much loved by Americans. It is really unpleasant to give your honest penny earned. It feels like you are being robbed.
Of course, we realize that the tax money goes to good causes. But still it is not easy to give a part of your income with a smile on your face thinking of some nice park-to-be or a smooth new future highway. But now you can get rewarded for paying taxes. You can apply for a credit card with rewards for paying taxes, gilding the pill thus.
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June 06, 2008
Do you know much about Australia? Canberra is its capital. Kylie Minogue, Cate Blanchett, Hugh Jackman, Steve Irwin are the most world-wide famous people born in Australia. Sydney Opera House and Sydney Harbor Bridge are among the most distinctive and beautiful architecture masterpieces of the XXth century. Aussies (informal for Australians) speak English, Australian-English, to be more exact. But did you know that Australia has a highly developed credit card industry? And that Australian overall credit card debt is lower than the one America has?
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