Spending money – it feels good. If you are honest with yourself, you will agree with me. There is something about walking into a store and buying what your heart desires. I am not talking about high-end fashion items such as Chanel or Gucci. Even going into Home Depot on a nice day and buying plants and mulch to landscape your garden feels great.
Now imagine being a college student with no job and no credit and being offered a credit card. I was issued a credit card when I was 19. I walked into the university book store to buy my $5.99 used philosophy book and walked out with an MBNA credit card with a $500 limit. It felt pretty good. This has been going on for years. I did not even know what a FICO Score was and yet, I was on my way to building my credit file.
Fortunately, I have always been a spend thrift and as such as I did not run into the nearest Saks Fifth Avenue store and blow my credit on a pair of shoes. Fast forward a few years later and my sister is attending my alma mater. She gets the same credit card and runs to the nearest mall before her signature ink is dry. This woman loves to shop. She lives for it.
It is estimated that 80% of college students have at least one credit card. The average undergraduate student with a credit card has about $2700 in credit expenses. Whether or not this factoid comes as a surprise, it is true that Finance 101 does not teach students about the concept of “Credit” and how it will impact their future lives. Like most people, I did not know what a credit report or FICO score was until I embarked on the home buying journey.
Our credit follows us everywhere we go. When college graduates venture into the corporate world, many will be surprised to know that potential employers make inquiries against job applicant’s credit file during the due diligence process. It is a means of determining whether an employee is so desperate for money that they would harm the company by acting inappropriately.
Whether you have poor credit or need to build credit, here are 5 steps to improve your credit score:
# Get a unsecured or secured credit card (prepaid credit card) with a limit of $500 to $1000 such as one of these.
# Do not max out your credit limit when you purchase items. This is a sign that you are spending beyond your means.
# Pay off your monthly credit balance on time – always!
# Keep a credit card, if you have a strong credit history with them.
# Do not open too many lines of credit. This is a red flag that you may be robbing peter to pay paul.
# Following these 5 steps will ensure an excellent credit status. Learn how your FICO Score is calculated.
http://www.poorcreditgenie.com/cccollegedebt.html
Saturday, November 3, 2007
My Credit Card Application Was Rejected! Now What?!?
No doubt, you've probably gotten literally hundreds of credit card applications in the mail and online, and each and every one of them has said that you've been "Pre-Approved".
Of course it's natural that this would lead us to believe that the application process is simply a formality. After all, you've been approved already so no worries, right? Wrong! Many of the offers that say you're "pre-approved" don't actually mean for the credit card. I know it's misleading, but what they're really saying is that you've been approved to apply for your card, not actually receive one. Your actual approval will depend on several different factors, any of which can keep you off the receiving end.
We'll go over some of the reasons for rejection and what, if anything, can be done about them.
WHY YOUR WERE REJECTED....
The most probable answer is your credit score. Although several other things may have been taken into consideration, such as your salary or time on your job, your credit score is usually the biggie. The catch here is that your credit history doesn't even have to be bad, it can be blank and that will work against you just as much as a bad score will. Having no credit is almost as bad as having bad credit since the credit card companies have no reference point to see just how you will handle your credit account.
If you have a history of making late payments on bills and other loans, that will work against you. The credit card company wants to know that you are a worthwhile risk before they issue you a card.
As I mentioned above, other issues also come into play. If you have just started a new job, a creditor may want to wait a while to make sure that you keep it. These are other factors that will be considered if your credit history is less than perfect but not a total loss.
WHAT TO DO ABOUT....
Clean up your credit history ASAP! This is the single best step you can take in improving your options when it comes to credit cards and other types of loans as well.
Most creditors are required to tell you why you were rejected and what credit bureau they used to access your report. You should be entitled to a free copy of your credit report if the data contained on it was used to deny your application. Check with the credit bureau to see.
If your credit rating is poor, take action immediately. Start paying your bills on time. Look into consolidating your bills so that you can afford to pay the monthly amount. Eliminate any extra spending that isn't necessary and use that "extra" towards your outstanding debts. Yes, this could take some time, but in the long run it will be well worth it.
Once you have cleaned up your credit a bit or established some basic credit, let some time pass. Apply for the card (or a better one) again. Once the creditor sees how hard you've been working to get your credit report up to par, you may just be rewarded for your efforts. Be careful, though. The last thing you want to do is go overboard with your new credit card and dig yourself into another financial hell-hole! So be wary.
Alain Diza is an Ex-Enron survivor, turned Internet Marketer, Real Estate Investor, and published author who partnered with financial credit industry 'guru' Joe Lloyd, to negotiate the arguably largest & most competitive online selection of highly-targeted credit cards in the industry to date. Get your own free credit card designed specifically for you, at Alain's "insiders-only" site: http://www.onlinecreditcardsdirectory.com
Article Source: http://EzineArticles.com
http://www.poorcreditgenie.com/ccapplreject.html
Of course it's natural that this would lead us to believe that the application process is simply a formality. After all, you've been approved already so no worries, right? Wrong! Many of the offers that say you're "pre-approved" don't actually mean for the credit card. I know it's misleading, but what they're really saying is that you've been approved to apply for your card, not actually receive one. Your actual approval will depend on several different factors, any of which can keep you off the receiving end.
We'll go over some of the reasons for rejection and what, if anything, can be done about them.
WHY YOUR WERE REJECTED....
The most probable answer is your credit score. Although several other things may have been taken into consideration, such as your salary or time on your job, your credit score is usually the biggie. The catch here is that your credit history doesn't even have to be bad, it can be blank and that will work against you just as much as a bad score will. Having no credit is almost as bad as having bad credit since the credit card companies have no reference point to see just how you will handle your credit account.
If you have a history of making late payments on bills and other loans, that will work against you. The credit card company wants to know that you are a worthwhile risk before they issue you a card.
As I mentioned above, other issues also come into play. If you have just started a new job, a creditor may want to wait a while to make sure that you keep it. These are other factors that will be considered if your credit history is less than perfect but not a total loss.
WHAT TO DO ABOUT....
Clean up your credit history ASAP! This is the single best step you can take in improving your options when it comes to credit cards and other types of loans as well.
Most creditors are required to tell you why you were rejected and what credit bureau they used to access your report. You should be entitled to a free copy of your credit report if the data contained on it was used to deny your application. Check with the credit bureau to see.
If your credit rating is poor, take action immediately. Start paying your bills on time. Look into consolidating your bills so that you can afford to pay the monthly amount. Eliminate any extra spending that isn't necessary and use that "extra" towards your outstanding debts. Yes, this could take some time, but in the long run it will be well worth it.
Once you have cleaned up your credit a bit or established some basic credit, let some time pass. Apply for the card (or a better one) again. Once the creditor sees how hard you've been working to get your credit report up to par, you may just be rewarded for your efforts. Be careful, though. The last thing you want to do is go overboard with your new credit card and dig yourself into another financial hell-hole! So be wary.
Alain Diza is an Ex-Enron survivor, turned Internet Marketer, Real Estate Investor, and published author who partnered with financial credit industry 'guru' Joe Lloyd, to negotiate the arguably largest & most competitive online selection of highly-targeted credit cards in the industry to date. Get your own free credit card designed specifically for you, at Alain's "insiders-only" site: http://www.onlinecreditcardsdirectory.com
Article Source: http://EzineArticles.com
http://www.poorcreditgenie.com/ccapplreject.html
Secured vs. Unsecured Credit Cards - What's The Difference?
Many consumers have a bit of confusion when it comes to distinguishing a secured credit card from an unsecured credit card. They both carry a brand logo from one of the major credit card companies and they both can be used anywhere that major credit cards are accepted. It is the behind the scene financial activity that determines the difference between a secured and an unsecured credit card.
A secured credit card is a guaranteed VISA or MasterCard that has been secured by a deposit to the issuer's bank. Generally, you must deposit an amount, ranging from $300 to $5000, in a low-interest saving account or CD to secure the credit card.
You then receive a credit line for up to 100 percent of your account balance. Each creditor has its own requirements for how much you can deposit for your credit line. The creditor issues you a credit card by using your deposit as security.
On the other hand, an unsecured credit cards offer just that -credit. When you make a purchase or withdraw cash (usually called a cash advance), funds are drawn from your "line of credit." You pay back the amount you borrowed or "charged" each month, or carry over to the next month (revolve) a certain amount that was borrowed and you are assessed an interest charge.
You are then responsible to pay the interest charge as well. Credit cards carry a brand logo (e.g., Visa, MasterCard, American Express, etc.) and are accepted by participating merchants. When you use your credit card, the transaction requires a signature.
More details about secured and unsecured credit cards can be found at www.easy-approval-credit-cards.com Determining what type of credit card is best for you will depend on your personal budgeting and spending habits as well as the status of your credit score. People with low credit scores usually have a better chance at obtaining a secured credit card over an unsecured credit card.
Unsecured Credit Cards and Secured Credit Cards For People With Bad Credit OR No Credit History
A secured credit card is a guaranteed VISA or MasterCard that has been secured by a deposit to the issuer's bank. Generally, you must deposit an amount, ranging from $300 to $5000, in a low-interest saving account or CD to secure the credit card.
You then receive a credit line for up to 100 percent of your account balance. Each creditor has its own requirements for how much you can deposit for your credit line. The creditor issues you a credit card by using your deposit as security.
On the other hand, an unsecured credit cards offer just that -credit. When you make a purchase or withdraw cash (usually called a cash advance), funds are drawn from your "line of credit." You pay back the amount you borrowed or "charged" each month, or carry over to the next month (revolve) a certain amount that was borrowed and you are assessed an interest charge.
You are then responsible to pay the interest charge as well. Credit cards carry a brand logo (e.g., Visa, MasterCard, American Express, etc.) and are accepted by participating merchants. When you use your credit card, the transaction requires a signature.
More details about secured and unsecured credit cards can be found at www.easy-approval-credit-cards.com Determining what type of credit card is best for you will depend on your personal budgeting and spending habits as well as the status of your credit score. People with low credit scores usually have a better chance at obtaining a secured credit card over an unsecured credit card.
Unsecured Credit Cards and Secured Credit Cards For People With Bad Credit OR No Credit History
About The Author
This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit cards or to apply for a credit card online please visit: Visit http://www.easy-approval-credit-cards.com today!
Credit Cards - Stop Paying The Minimum
Credit cards are there to put you in debt and keep you in debt. When they do it, they have one tool at their disposal that is more effective than all the others. It’s called the minimum payment.
What’s a Minimum Payment?
Your minimum payment is the absolute minimum that you must pay off each month to avoid defaulting on the debt. If you don’t pay your minimum, they’ll come after you – but don’t make the mistake of thinking it’s just fine to only ever pay that much.
Why are Minimums Bad?
They never used to be. Minimum payments used to be set at relatively high percentages, anywhere from 5% to 10%. This meant that you paid more, but your debt would get paid back faster.
Credit card lenders realised, though, that they could set the minimum payments lower, and collect a smaller amount of money each month for a much longer period of time. This would let them tell people that debts on their cards were ‘affordable’, while they raked in the cash over the long term, thanks to the power of compound interest.
Here’s an Example.
Let’s say you owed $1000 at an interest rate of 12.7% per year (1% per month). Your minimum payment is 5% per month. Remember that your payment goes towards the interest first, and then the debt. In this example, $10 out of the $50 you paid would disappear as interest – but $40 would still go towards paying off the debt, meaning that your debt the next month would be $960.
What happens if you change the minimum payment to only 2%? Well, the difference is enormous. Sure, you’re only paying an ‘affordable’ $20 – but $10 of it is still going on interest. That means that your $20 has only paid back $10 towards the debt, and you still owe $990!
There are so many people who just look at the interest rates they’re being charged, and don’t understand the terrible difference it can make if you only ever pay the minimum payment. In our example (which is relatively typical), 50% of the payment was going on interest – meaning that paying the minimum gets you an effective 50% interest rate, even though your APR was only 12.7%. For higher interest rates, it only gets worse: there are cards out there where only making the minimum payments will actually cause you to owe more each month, not less!
So What Should You Do?
The answers aren’t fun, but they are true. Firstly, look for a card with a high minimum payment – this is a good way to discipline yourself into paying off the debt faster.
Secondly, always pay more than the minimum if you can afford to. I know it feels like money for nothing, but isn’t it better to pay it now and get it over with, instead of paying it for the rest of your life?
What’s a Minimum Payment?
Your minimum payment is the absolute minimum that you must pay off each month to avoid defaulting on the debt. If you don’t pay your minimum, they’ll come after you – but don’t make the mistake of thinking it’s just fine to only ever pay that much.
Why are Minimums Bad?
They never used to be. Minimum payments used to be set at relatively high percentages, anywhere from 5% to 10%. This meant that you paid more, but your debt would get paid back faster.
Credit card lenders realised, though, that they could set the minimum payments lower, and collect a smaller amount of money each month for a much longer period of time. This would let them tell people that debts on their cards were ‘affordable’, while they raked in the cash over the long term, thanks to the power of compound interest.
Here’s an Example.
Let’s say you owed $1000 at an interest rate of 12.7% per year (1% per month). Your minimum payment is 5% per month. Remember that your payment goes towards the interest first, and then the debt. In this example, $10 out of the $50 you paid would disappear as interest – but $40 would still go towards paying off the debt, meaning that your debt the next month would be $960.
What happens if you change the minimum payment to only 2%? Well, the difference is enormous. Sure, you’re only paying an ‘affordable’ $20 – but $10 of it is still going on interest. That means that your $20 has only paid back $10 towards the debt, and you still owe $990!
There are so many people who just look at the interest rates they’re being charged, and don’t understand the terrible difference it can make if you only ever pay the minimum payment. In our example (which is relatively typical), 50% of the payment was going on interest – meaning that paying the minimum gets you an effective 50% interest rate, even though your APR was only 12.7%. For higher interest rates, it only gets worse: there are cards out there where only making the minimum payments will actually cause you to owe more each month, not less!
So What Should You Do?
The answers aren’t fun, but they are true. Firstly, look for a card with a high minimum payment – this is a good way to discipline yourself into paying off the debt faster.
Secondly, always pay more than the minimum if you can afford to. I know it feels like money for nothing, but isn’t it better to pay it now and get it over with, instead of paying it for the rest of your life?
About The Author:
Roger Davis creates websites and articles to help you to save money with credit cards. Please visit http://www.quickcreditcardguide.com
Read The Fine Print When Choosing 0% Interest Credit Cards
Credit cards-are they the bane of our existence or the wave of the future? No matter how you view them, credit cards are here to stay. With the seemingly endless variety of cards available from any number of financial institutions, the market for your credit card business is extremely competitive. Many credit card companies try to entice the average consumer with 0% interest credit cards. The offer looks great on the surface, but it is vital that you read the fine print when considering one or several of these offers.
In addition to the 0% interest rate, credit card companies offer many other perks, as well. The offer 0% on balance transfers, which can include other credit card debt, and even other types of debt, such as appliance loans or something similar. Many companies offer some kind of points program that awards you points for every dollar you spend and you can use them toward travel costs such as airline flights and hotel accommodations. Still others offer cash back percentage on all your spending, with higher rates for spending at grocery stores, drug stores and gas stations. Some even offer money towards a specific purchase, such as the GM card, which you can earn money towards a new GM vehicle purchase. Nearly every card offers zero fraud liability if your card is lost or stolen, and many offer other incentives like low annual percentage rates (APR) and no annual fees. Visa, MasterCard, American Express, and all the rest are jumping on this bandwagon to get their piece of your business.
However, it is important to look before you leap. Most of these 0% interest rate incentives only last for six to twelve months. It is imperative that you look at what your regular APR will be after the promotion period is over. The rate can be a variable rate that changes or a fixed rate, which can also change at the whim of the credit card company as long as they notify you in writing thirty days in advance. Also, if you make a late payment, it can negate the whole incentive and revert immediately to the regular APR. All that fine print in the little brochure that arrives with your offer should be read thoroughly before signing the credit agreement.
So, while a 0% interest credit card may look good at first glance, it is important to do your homework on any credit card offer you are considering. It is also a good idea to remember that it is easy to get into some serious debt very quickly with credit cards. Credit cards make spending money easy, but if you are not disciplined about your credit card use, you can get in over your head. Also, if you can’t afford to pay more than the minimum payment, it can take you decades to pay it off, and the whole time the credit card company is making a fortune off of you. It is always a good idea to be in charge of your money, not let your money (and debt!) be in charge of your life.
Bob Hett offers great tips and advice regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting http://www.creditcardsreview.info
Article Source: http://EzineArticles.com
http://www.poorcreditgenie.com/cczerointcc.html
In addition to the 0% interest rate, credit card companies offer many other perks, as well. The offer 0% on balance transfers, which can include other credit card debt, and even other types of debt, such as appliance loans or something similar. Many companies offer some kind of points program that awards you points for every dollar you spend and you can use them toward travel costs such as airline flights and hotel accommodations. Still others offer cash back percentage on all your spending, with higher rates for spending at grocery stores, drug stores and gas stations. Some even offer money towards a specific purchase, such as the GM card, which you can earn money towards a new GM vehicle purchase. Nearly every card offers zero fraud liability if your card is lost or stolen, and many offer other incentives like low annual percentage rates (APR) and no annual fees. Visa, MasterCard, American Express, and all the rest are jumping on this bandwagon to get their piece of your business.
However, it is important to look before you leap. Most of these 0% interest rate incentives only last for six to twelve months. It is imperative that you look at what your regular APR will be after the promotion period is over. The rate can be a variable rate that changes or a fixed rate, which can also change at the whim of the credit card company as long as they notify you in writing thirty days in advance. Also, if you make a late payment, it can negate the whole incentive and revert immediately to the regular APR. All that fine print in the little brochure that arrives with your offer should be read thoroughly before signing the credit agreement.
So, while a 0% interest credit card may look good at first glance, it is important to do your homework on any credit card offer you are considering. It is also a good idea to remember that it is easy to get into some serious debt very quickly with credit cards. Credit cards make spending money easy, but if you are not disciplined about your credit card use, you can get in over your head. Also, if you can’t afford to pay more than the minimum payment, it can take you decades to pay it off, and the whole time the credit card company is making a fortune off of you. It is always a good idea to be in charge of your money, not let your money (and debt!) be in charge of your life.
Bob Hett offers great tips and advice regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting http://www.creditcardsreview.info
Article Source: http://EzineArticles.com
http://www.poorcreditgenie.com/cczerointcc.html
Credit Card Wealth Secrets And Ideas
"Credit card wealth secrets," the ad read. I assumed it was yet another over-hyped unworkable scheme. It probably was, but it made me remember the times in my life when I have used credit cards to make money.
As Robert Kyosaki says, there's "good debt" and "bad debt. Borrowing for consumer items is bad-debt. You limit your future options, and you get less in life. It seems like more, because you get it now, but with interest, and the tendency to pay more when buying on credit, you'll never be able to buy as much as those who pay cash.
Credit card wealth secrets have to revolve around the idea of "good debt." This is any borrowing that increases your income, or produces capital gains. So how do you get your credit cards to start doing that for you?
Credit Card Wealth Creation
A good friend once borrowed $6,000 from me at 9% interest. I didn't have the money at the time, but I had a credit card offer for a cash advance for 8 months at 5% interest. I loaned him the money for six months. Okay, a 4% spread meant only a $120 profit in the end, but it was easy.
A better example is when we bought a little house in Montana. A cash offer would get us a great deal, so with our savings and a $2,000 worth of repairs on a credit card, we made it work. We paid less than $100 in interest before selling the house a few months later for a $6,500 profit.
My money was tied up when my brother found a truck we could make some money on. I put it on a card, and paid maybe $35 in fees and interest. The car was sold ten days later, and we split the $950 profit.
A friend of mine once borrowed $300 at more than 100% annual interest ($50 for two months). Why? To buy the tools he needed to re-start his dry-walling business. He probably made enough the first week to repay the loan.
The point is that any debt - whether from credit cards or other sources - can be good debt if it creates more than it costs. I have known people that have started successful businesses or "flipped" houses for big gains with the help of credit cards. Get rich quick? Doubtful, but then my skepticism almost made me forget my own "credit card wealth secrets."
Steve Gillman has been studying money for thirty years (and sometimes making a little). For interesting and useful information, visit his website, Unusual Ways To Make Money: http://www.UnusualWaysToMakeMoney.com
http://www.poorcreditgenie.com/ccwealthsecrets.html
As Robert Kyosaki says, there's "good debt" and "bad debt. Borrowing for consumer items is bad-debt. You limit your future options, and you get less in life. It seems like more, because you get it now, but with interest, and the tendency to pay more when buying on credit, you'll never be able to buy as much as those who pay cash.
Credit card wealth secrets have to revolve around the idea of "good debt." This is any borrowing that increases your income, or produces capital gains. So how do you get your credit cards to start doing that for you?
Credit Card Wealth Creation
A good friend once borrowed $6,000 from me at 9% interest. I didn't have the money at the time, but I had a credit card offer for a cash advance for 8 months at 5% interest. I loaned him the money for six months. Okay, a 4% spread meant only a $120 profit in the end, but it was easy.
A better example is when we bought a little house in Montana. A cash offer would get us a great deal, so with our savings and a $2,000 worth of repairs on a credit card, we made it work. We paid less than $100 in interest before selling the house a few months later for a $6,500 profit.
My money was tied up when my brother found a truck we could make some money on. I put it on a card, and paid maybe $35 in fees and interest. The car was sold ten days later, and we split the $950 profit.
A friend of mine once borrowed $300 at more than 100% annual interest ($50 for two months). Why? To buy the tools he needed to re-start his dry-walling business. He probably made enough the first week to repay the loan.
The point is that any debt - whether from credit cards or other sources - can be good debt if it creates more than it costs. I have known people that have started successful businesses or "flipped" houses for big gains with the help of credit cards. Get rich quick? Doubtful, but then my skepticism almost made me forget my own "credit card wealth secrets."
Steve Gillman has been studying money for thirty years (and sometimes making a little). For interesting and useful information, visit his website, Unusual Ways To Make Money: http://www.UnusualWaysToMakeMoney.com
http://www.poorcreditgenie.com/ccwealthsecrets.html
Consolidate Your Credit Card Debt
With the popularity of plastic money in the present age, credit cards are gaining immense importance. With the growing increase in usage of such cards the credit rates are also reaching the horizon. Debts are thus becoming a common happening in our daily lives. People who are under the claws of credit card debts need to give a serious thought to debt consolidation and lighten their burden. In the US more than half of the population has an average of $8000 debts, only because of the usage of credit cards.
You must be eager to know:
* How consolidating my credit card debts could be beneficial?
A credit card debt consolidation loan can be a resource to consolidate the outstanding balances on your cards into one single loan. They can also be transferred to one single card that has a lower interest rate than the ones you are currently paying.
The ideal way to consolidate your credit card debts!
In order to make you understand better we have a small example of how consolidating your credit card debt could be beneficial.
Let's say you have $100 in outstanding credit card debt and the average annual percentage rate (APR) on that card or cards is 18 % ( which is the average). If the outstanding balance remains at $100 then over the course of a year you would pay approximately $18 in interest charges alone. If you consolidate your credit card debt into a single loan with a lower interest rate or if you do a balance transfer onto a credit card or cards with a low interest rate you would save a significant amount of money.
If the new loan or credit card have a 9% APR then you would save roughly $10 in interest charges over the course of that same year. If you save $10 for a debt of $100, then think about a debt of $10,000. This trick will save you $1,000 over the course of that same year. Just think of $1, 00,000 debts; you can save $10,000. And this amount of $10,000 can be used to repay some of your debts. Life becomes easy with simple calculations and cautious moves.
If you are under a mountain of debts our experts will help you to consolidate your debts and help you tread you into a debt free land. Consolidating your debt is perhaps the fastest, safest and best way today to get rid of your financial obligations and we are experts in this field. Fill our free membership form to view all the alternatives. With debt consolidation we are here to consolidate all your financial loans in a single monthly payment. Thus we help you take the first step nearer to freedom.
Janet Williams is a writer and is currently working on a special section in the site called do it yourself where you can eliminate your debts and become debt free.
http://www.debtreliefcafe.com/consolidate-your-credit-card-debt.html
You must be eager to know:
* How consolidating my credit card debts could be beneficial?
A credit card debt consolidation loan can be a resource to consolidate the outstanding balances on your cards into one single loan. They can also be transferred to one single card that has a lower interest rate than the ones you are currently paying.
The ideal way to consolidate your credit card debts!
In order to make you understand better we have a small example of how consolidating your credit card debt could be beneficial.
Let's say you have $100 in outstanding credit card debt and the average annual percentage rate (APR) on that card or cards is 18 % ( which is the average). If the outstanding balance remains at $100 then over the course of a year you would pay approximately $18 in interest charges alone. If you consolidate your credit card debt into a single loan with a lower interest rate or if you do a balance transfer onto a credit card or cards with a low interest rate you would save a significant amount of money.
If the new loan or credit card have a 9% APR then you would save roughly $10 in interest charges over the course of that same year. If you save $10 for a debt of $100, then think about a debt of $10,000. This trick will save you $1,000 over the course of that same year. Just think of $1, 00,000 debts; you can save $10,000. And this amount of $10,000 can be used to repay some of your debts. Life becomes easy with simple calculations and cautious moves.
If you are under a mountain of debts our experts will help you to consolidate your debts and help you tread you into a debt free land. Consolidating your debt is perhaps the fastest, safest and best way today to get rid of your financial obligations and we are experts in this field. Fill our free membership form to view all the alternatives. With debt consolidation we are here to consolidate all your financial loans in a single monthly payment. Thus we help you take the first step nearer to freedom.
Janet Williams is a writer and is currently working on a special section in the site called do it yourself where you can eliminate your debts and become debt free.
http://www.debtreliefcafe.com/consolidate-your-credit-card-debt.html
Basics of Credit Card Debt Consolidation
For people who have accumulated vast amounts of credit card debt, there is a remedy that allows them repay their debts within 3-6 years. Credit card debt consolidation is a plan tailored fit to meet an individual’s situation and requirements in order to make paying off the debt as easily as possible.
However, before jumping into the credit card debt consolidation bandwagon, ensure that the new cost of the consolidated loan is less than what you are currently paying to your creditors. To do this, you have to calculate the interest rates and fees of all your existing accounts and compare the total with what you have to pay should you elect to undertake debt consolidation.
If and when you avail of a consolidation loan, make sure that your monthly deposits are on time in order to avoid collection proceeding which would cost you more.
Always examine your creditor’s monthly statements top ensure the debt consolidation company is paying your creditors correctly, accurately and on time.
Choose your debt consolidation company wisely and have them explain to you the various options available when it comes to rates and repayment schedules so that you do not get deeper into debt.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/basics-of-credit-card-debt-consolidation.php
However, before jumping into the credit card debt consolidation bandwagon, ensure that the new cost of the consolidated loan is less than what you are currently paying to your creditors. To do this, you have to calculate the interest rates and fees of all your existing accounts and compare the total with what you have to pay should you elect to undertake debt consolidation.
If and when you avail of a consolidation loan, make sure that your monthly deposits are on time in order to avoid collection proceeding which would cost you more.
Always examine your creditor’s monthly statements top ensure the debt consolidation company is paying your creditors correctly, accurately and on time.
Choose your debt consolidation company wisely and have them explain to you the various options available when it comes to rates and repayment schedules so that you do not get deeper into debt.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/basics-of-credit-card-debt-consolidation.php
Dealing with Credit Card Debt
Using a credit card is simple however paying off your credit card debts can cause headaches! A lot of credit card holders face the sad prospect of rising credit card debt due to unwise use of their credit cards.
All is not lost in spite of this because there are some useful and helpful tips on how to manage credit card debts:
Budget your money. Find out how much your disposable income is (after paying for all utilities and food) then determine where you can make extra savings to pay off your debts.
Contact your creditors and request for a re-scheduling of payments acceptable to both of you. Never allow your accrued debt be assigned to a collection agency otherwise you will have more problems than you can handle.
Get credit counseling in order to improve your payment arrangement.
Declaring personally bankruptcy is an option but only as a last course of action as it can hound you for years to come. Bankruptcy can prevent of hinder your acquisition of a house, a car or even getting a job.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/dealing-with-credit-card-debt.php
All is not lost in spite of this because there are some useful and helpful tips on how to manage credit card debts:
Budget your money. Find out how much your disposable income is (after paying for all utilities and food) then determine where you can make extra savings to pay off your debts.
Contact your creditors and request for a re-scheduling of payments acceptable to both of you. Never allow your accrued debt be assigned to a collection agency otherwise you will have more problems than you can handle.
Get credit counseling in order to improve your payment arrangement.
Declaring personally bankruptcy is an option but only as a last course of action as it can hound you for years to come. Bankruptcy can prevent of hinder your acquisition of a house, a car or even getting a job.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/dealing-with-credit-card-debt.php
Earning Rewards Points on your Credit Card
Credit card companies have various promotions to entice their clients to use their credit cards regularly. By having promotional benefits, card holders feel that they are rewarded in using the card.
Different credit card companies have promotions like frequent flyer miles regardless if the card is used for grocery purchases or travel, cash back or rewards points redeemable for branded merchandise, opera tickets, others even provide for instant rewards when making purchases.
Reward points, cash back points or frequent flyer miles can be redeemed not only for cash, rewards or travel miles but are not always redeemed for also for other loyalty items since holders accumulate the different scores depending on their purchases.
Some card companies offer rewards like a flat screen TV, a notebook PC, a new cell phone or other electronic gadgets for their clients as a way of rewarding frequent users and loyal customers.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/earning-rewards-points-on-your-credit-card.php
Different credit card companies have promotions like frequent flyer miles regardless if the card is used for grocery purchases or travel, cash back or rewards points redeemable for branded merchandise, opera tickets, others even provide for instant rewards when making purchases.
Reward points, cash back points or frequent flyer miles can be redeemed not only for cash, rewards or travel miles but are not always redeemed for also for other loyalty items since holders accumulate the different scores depending on their purchases.
Some card companies offer rewards like a flat screen TV, a notebook PC, a new cell phone or other electronic gadgets for their clients as a way of rewarding frequent users and loyal customers.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/earning-rewards-points-on-your-credit-card.php
Getting Approved for a Higher Credit Card Limit
Majority of credit card holders aspire for higher credit card limits. A higher limit allows them to make more purchases and an equally higher cash advance facility.
Higher credit card limits are not automatic; there are steps a card holder must do in order to qualify for a credit limit upgrade.
• Prove your creditworthiness.
• Pay your finance purchases in full once in a while.
• Show your financial control by keeping your spending within your credit card limit.
• Use your credit card regularly in order to maintain a record that banks can refer to.
• Never make minimum payments, pay for the entire outstanding amount if you can or at least 50% of your balance.
• Avoid late payments.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/higher-credit-card-limit.php
Higher credit card limits are not automatic; there are steps a card holder must do in order to qualify for a credit limit upgrade.
• Prove your creditworthiness.
• Pay your finance purchases in full once in a while.
• Show your financial control by keeping your spending within your credit card limit.
• Use your credit card regularly in order to maintain a record that banks can refer to.
• Never make minimum payments, pay for the entire outstanding amount if you can or at least 50% of your balance.
• Avoid late payments.
For additional information on credit cards or related topics please visit our library of credit card articles.
http://www.creditpublisher.com/articles/higher-credit-card-limit.php
Majoring in Credit-Card Debt
This story is the first in a series examining the increasing use of credit cards by college students.
Seth Woodworth stood paralyzed by fear in his parents' driveway in Moses Lake, Wash. It was two years ago, during his sophomore year at Central Washington University, and on this visit, he was bringing home far more than laundry. He was carrying more than $3,000 in credit-card debt. "I was pretty terrified of listening to my voice mail because of all the messages about the money I owed," says Woodworth. He did get some help from his parents but still had to drop out of school to pay down his debts.
Over the next month, as 17 million college students flood the nation's campuses, they will be greeted by swarms of credit-card marketers. Frisbees, T-shirts, and even iPods will be used as enticements to sign up, and marketing on the Web will reinforce the message. Many kids will go for it. Some 75% of college students have credit cards now, up from 67% in 1998. Just a generation earlier, a credit card on campus was a great rarity.
For many of the students now, the cards they get will simply be an easier way to pay for groceries or books, with no long-term negative consequences. But for Seth Woodworth and a growing number like him, easy access to credit will lead to spending beyond their means and debts that will compromise their futures. The freshman 15, a fleshy souvenir of beer and late-night pizza, is now taking on a new meaning, with some freshman racking up more than $15,000 in credit-card debt before they can legally drink. "It's astonishing to me to see college students coming out of school with staggering amounts of debt and credit scores so abominable that they couldn't rent a car," says Representative Louise Slaughter (D-N.Y.).
Congressional Oversight Weighed
The role of credit-card companies in helping to build these mountains of debt is coming under great scrutiny. Critics say that as the companies compete for this important growth market, they offer credit lines far out of proportion to students' financial means, reaching $10,000 or more for youngsters without jobs. The cards often come with little or no financial education, leaving some unsophisticated students with no idea what their obligations will be. Then when students build up balances on their cards, they find themselves trapped in a maze of jargon and baffling fees, with annual interest rates shooting up to more than 30%. "No industry in America is more deserving of oversight by Congress," says Travis Plunkett, legislative director for Consumer Federation of America, a consumer advocacy group.
The oversight may be coming soon. With Democrats in control of Congress and the debt problems for college kids only growing worse, the chances of a crackdown have increased substantially. The Senate is expected to hold hearings on the credit-card industry's practices this fall. Representative Barney Frank (D-Mass.) has pledged to introduce tough legislation. And Slaughter introduced a bill in August to limit the amount of credit that could be extended to students to 20% of their income or $500 if their parents co-sign for the card.
The major credit-card companies take great issue with the criticisms. Bank of America (BAC), Citibank (C), JPMorgan Chase (JPM), American Express (AXP), and others say they are providing a valuable service to students and they work hard to ensure that their credit cards are used responsibly. Citibank and JPMorgan both offer extensive financial literacy materials for college students. Citibank, for instance, says it distributed more than 5 million credit-education pieces to students, parents, and administrators last year for free. At JPMorgan Chase, bank representative Paul Hartwick says: "Our overall approach toward college students is to help them build good financial habits and a credit history that prepares them for a lifetime of successful credit use."
Questions About the Vetting Process
The banks also make the point that students have to be responsible for their own actions. They are the ones, after all, who sign up for cards and then choose to use them. The banks argue that they have to act like responsible parents, keeping credit cards out of the hands of students who are clamoring for them. A spokesman for Bank of America says that it denies half of the students who apply for cards.
But the experiences of Woodworth and other students raise questions about the rigorousness of the vetting process for getting a credit card. Ryan Rhoades, who graduated from the University of Pittsburgh last year with more than $13,000 of debt, remembers his credit-card company's employees telling him not to worry about being unemployed. Lukasz Kozoil, formerly a student at DePaul University, says that Citibank's representatives told him to fill in his tuition on a card application where it asked for income. (A spokesman for Citibank says, "no representative from Citi is authorized to fill in tuition cost on a credit-card application.") Woodworth got his American Express card without a job, and it had a credit limit of $6,000. "Within three months, they upped it to $10,000," he says.
http://www.businessweek.com/bwdaily/dnflash/content/sep2007/db2007093_443488.htm
Seth Woodworth stood paralyzed by fear in his parents' driveway in Moses Lake, Wash. It was two years ago, during his sophomore year at Central Washington University, and on this visit, he was bringing home far more than laundry. He was carrying more than $3,000 in credit-card debt. "I was pretty terrified of listening to my voice mail because of all the messages about the money I owed," says Woodworth. He did get some help from his parents but still had to drop out of school to pay down his debts.
Over the next month, as 17 million college students flood the nation's campuses, they will be greeted by swarms of credit-card marketers. Frisbees, T-shirts, and even iPods will be used as enticements to sign up, and marketing on the Web will reinforce the message. Many kids will go for it. Some 75% of college students have credit cards now, up from 67% in 1998. Just a generation earlier, a credit card on campus was a great rarity.
For many of the students now, the cards they get will simply be an easier way to pay for groceries or books, with no long-term negative consequences. But for Seth Woodworth and a growing number like him, easy access to credit will lead to spending beyond their means and debts that will compromise their futures. The freshman 15, a fleshy souvenir of beer and late-night pizza, is now taking on a new meaning, with some freshman racking up more than $15,000 in credit-card debt before they can legally drink. "It's astonishing to me to see college students coming out of school with staggering amounts of debt and credit scores so abominable that they couldn't rent a car," says Representative Louise Slaughter (D-N.Y.).
Congressional Oversight Weighed
The role of credit-card companies in helping to build these mountains of debt is coming under great scrutiny. Critics say that as the companies compete for this important growth market, they offer credit lines far out of proportion to students' financial means, reaching $10,000 or more for youngsters without jobs. The cards often come with little or no financial education, leaving some unsophisticated students with no idea what their obligations will be. Then when students build up balances on their cards, they find themselves trapped in a maze of jargon and baffling fees, with annual interest rates shooting up to more than 30%. "No industry in America is more deserving of oversight by Congress," says Travis Plunkett, legislative director for Consumer Federation of America, a consumer advocacy group.
The oversight may be coming soon. With Democrats in control of Congress and the debt problems for college kids only growing worse, the chances of a crackdown have increased substantially. The Senate is expected to hold hearings on the credit-card industry's practices this fall. Representative Barney Frank (D-Mass.) has pledged to introduce tough legislation. And Slaughter introduced a bill in August to limit the amount of credit that could be extended to students to 20% of their income or $500 if their parents co-sign for the card.
The major credit-card companies take great issue with the criticisms. Bank of America (BAC), Citibank (C), JPMorgan Chase (JPM), American Express (AXP), and others say they are providing a valuable service to students and they work hard to ensure that their credit cards are used responsibly. Citibank and JPMorgan both offer extensive financial literacy materials for college students. Citibank, for instance, says it distributed more than 5 million credit-education pieces to students, parents, and administrators last year for free. At JPMorgan Chase, bank representative Paul Hartwick says: "Our overall approach toward college students is to help them build good financial habits and a credit history that prepares them for a lifetime of successful credit use."
Questions About the Vetting Process
The banks also make the point that students have to be responsible for their own actions. They are the ones, after all, who sign up for cards and then choose to use them. The banks argue that they have to act like responsible parents, keeping credit cards out of the hands of students who are clamoring for them. A spokesman for Bank of America says that it denies half of the students who apply for cards.
But the experiences of Woodworth and other students raise questions about the rigorousness of the vetting process for getting a credit card. Ryan Rhoades, who graduated from the University of Pittsburgh last year with more than $13,000 of debt, remembers his credit-card company's employees telling him not to worry about being unemployed. Lukasz Kozoil, formerly a student at DePaul University, says that Citibank's representatives told him to fill in his tuition on a card application where it asked for income. (A spokesman for Citibank says, "no representative from Citi is authorized to fill in tuition cost on a credit-card application.") Woodworth got his American Express card without a job, and it had a credit limit of $6,000. "Within three months, they upped it to $10,000," he says.
http://www.businessweek.com/bwdaily/dnflash/content/sep2007/db2007093_443488.htm
Bring a credit card if you want an iPhone, and you only get two
Apple has apparently instituted a credit card-only policy for iPhone sales at its retail stores in order to guarantee supply for the holidays and frustrate potential resellers, according to multiple reports.
Would-be iPhone buyers must now present a credit or debit card if they want to take home an iPhone, and they're also now limited to just two units, as they were on iPhone Day, according to The Associated Press. The AP quoted an Apple representative explaining the move as a way of making sure there are enough iPhones for the holidays and to prevent unauthorized resellers from flooding the market.
It's not clear whether the same policy applies to AT&T stores. I e-mailed the Apple representative quoted in the AP report late Friday evening and haven't heard back.
Before Thursday, when the policy was implemented, you could walk into any Apple store and plunk down cash for up to five iPhones. While the concerns about supply are harder to gauge from a distance, the credit card policy seems designed to make sure buyers leave a paper trail.
You can't really enforce a purchasing limit if the customer pays cash. How would Apple know if I walked into the downtown San Francisco store this afternoon and bought two iPhones with cash, then drove over to the Stonestown Galleria or down the road to Palo Alto, and picked up two more? Would-be unlockers might also be wary about using a credit card to pay for their purchases, even though unlocking isn't illegal. Apple is definitely paying attention to the market for unlocked iPhones, estimating earlier this week that 250,000 people have purchased an iPhone with the intention of unlocking it from AT&T's network.
Apple is apparently well within their rights to refuse to accept cash, as outraged as our resident libertarians might feel. U.S. businesses don't have to accept cash if they don't want to, according to the U.S. Treasury's Web site, unless there is a state law that specifically requires them to accept cash.
I'm sure there are at least a few people who were thinking about equipping their family of four with iPhones this Christmas. The reports make it sound like the restriction will just last throughout the holidays, but that hasn't been clarified as of right now.
http://www.onekit.com/store/review/bring_a_credit_card_if_you_want_an_iphone,_and_you_only_get_two.html
Would-be iPhone buyers must now present a credit or debit card if they want to take home an iPhone, and they're also now limited to just two units, as they were on iPhone Day, according to The Associated Press. The AP quoted an Apple representative explaining the move as a way of making sure there are enough iPhones for the holidays and to prevent unauthorized resellers from flooding the market.
It's not clear whether the same policy applies to AT&T stores. I e-mailed the Apple representative quoted in the AP report late Friday evening and haven't heard back.
Before Thursday, when the policy was implemented, you could walk into any Apple store and plunk down cash for up to five iPhones. While the concerns about supply are harder to gauge from a distance, the credit card policy seems designed to make sure buyers leave a paper trail.
You can't really enforce a purchasing limit if the customer pays cash. How would Apple know if I walked into the downtown San Francisco store this afternoon and bought two iPhones with cash, then drove over to the Stonestown Galleria or down the road to Palo Alto, and picked up two more? Would-be unlockers might also be wary about using a credit card to pay for their purchases, even though unlocking isn't illegal. Apple is definitely paying attention to the market for unlocked iPhones, estimating earlier this week that 250,000 people have purchased an iPhone with the intention of unlocking it from AT&T's network.
Apple is apparently well within their rights to refuse to accept cash, as outraged as our resident libertarians might feel. U.S. businesses don't have to accept cash if they don't want to, according to the U.S. Treasury's Web site, unless there is a state law that specifically requires them to accept cash.
I'm sure there are at least a few people who were thinking about equipping their family of four with iPhones this Christmas. The reports make it sound like the restriction will just last throughout the holidays, but that hasn't been clarified as of right now.
http://www.onekit.com/store/review/bring_a_credit_card_if_you_want_an_iphone,_and_you_only_get_two.html
The #1 Mistake Consumers Make with Credit Cards
If you have trouble controlling credit card debt, I have a simple rule for you:
If you can’t afford to pay for an item with cash, you can’t afford to pay for it with plastic either. If an emergency forces you to buy something you cannot afford (it happens, I know), make sure you are brutally honest in your assessment of what you really need. If you don’t need something, don’t charge it. I know people who pay 18% interest on Hostess Twinkies. Come on now. You know better.
The most common mistake consumers make with credit cards is using them as income supplementation. Instead of using them for emergencies or convenience, they use them as additional salary. So let’s agree right now that credit is not salary. Credit belongs to a lending institution. Credit must be repaid.
How Much Debt is Too Much?
Financial gurus suggest that total debt, excluding first mortgage, should not exceed 20% of take-home pay. This includes car payments, home equity loans, second mortgages, credit card debt, and so forth. Upper income consumers may be able to handle higher debt loads due to greater expendable income, while lower income consumers may be wise to carry less.
Of course, you probably know if your debt load is too high without whipping out your calculator. If you honestly don’t know, here is another rule of thumb: If you can’t pay off your credit card balance in full every month, you have too much debt. Credit cards, when used responsibly, help shift the timing or increase the ease of making payments – They do not exist so you can run up debt you cannot pay.
Why Do You Buy?
The buying impulse is so strong in some people that they actually believe credit card dept is their only option. Telling these people they don’t need that extra purse, pair of shoes, or suit is like telling them they don’t need food or water.
A close friend of mine used to struggle with spending. She could barely pay her utility bills and was always borrowing money from friends to keep the electricity from getting shut off. Despite her obvious lack of funds, she somehow managed to keep her closet stocked with new clothes. And there always seemed to be a new package showing up on her front porch containing things she’d purchased from the Home Shopping Network.
She tried to justify these purchases by saying, “John, you know I need to buy new clothes so I can look professional when I’m at the office.”
Well, yes, it’s important to appear professional, but she did not need to buy expensive clothing every week.
Eventually, my friend was forced to declare bankruptcy. I still remember her sitting there on her sofa, surrounded by shoes still in the box and clothes still tagged. She looked at me and said, “John, I don’t think I bought any of this stuff because I needed it. I bought it because I thought it would make me feel good.”
“Did it make you feel good?” I asked.
She paused, touching her chin. “I thought it did at the time. Now, seeing all this stuff I never used, I guess not.”
The emotional high that comes from buying something new is short-lived and cannot compensate for the emotional burden of carrying too much debt.
But What if You Really Do Need It?
Yes, there are times in life when credit can help you out of a jam. The key is being honest about what you need. The first step toward the responsible use of credit is learning to differentiate between necessity and desire.
The second step is treating every credit purchase like the debt that it is. Always pay more than the minimum payment. Dedicate yourself to getting rid of that debt as quickly as you can. Instead of throwing a few extra bones toward the payment whenever you can swing it, actually sit down and draft a timeline for expedient payment.
If you take your debts seriously, you’ll pay them off more quickly, pay less interest, and be in a better position the next time you need to finance something.
http://johnplaceonline.com/stress-management/the-1-mistake-consumers-make-with-credit-cards/
If you can’t afford to pay for an item with cash, you can’t afford to pay for it with plastic either. If an emergency forces you to buy something you cannot afford (it happens, I know), make sure you are brutally honest in your assessment of what you really need. If you don’t need something, don’t charge it. I know people who pay 18% interest on Hostess Twinkies. Come on now. You know better.
The most common mistake consumers make with credit cards is using them as income supplementation. Instead of using them for emergencies or convenience, they use them as additional salary. So let’s agree right now that credit is not salary. Credit belongs to a lending institution. Credit must be repaid.
How Much Debt is Too Much?
Financial gurus suggest that total debt, excluding first mortgage, should not exceed 20% of take-home pay. This includes car payments, home equity loans, second mortgages, credit card debt, and so forth. Upper income consumers may be able to handle higher debt loads due to greater expendable income, while lower income consumers may be wise to carry less.
Of course, you probably know if your debt load is too high without whipping out your calculator. If you honestly don’t know, here is another rule of thumb: If you can’t pay off your credit card balance in full every month, you have too much debt. Credit cards, when used responsibly, help shift the timing or increase the ease of making payments – They do not exist so you can run up debt you cannot pay.
Why Do You Buy?
The buying impulse is so strong in some people that they actually believe credit card dept is their only option. Telling these people they don’t need that extra purse, pair of shoes, or suit is like telling them they don’t need food or water.
A close friend of mine used to struggle with spending. She could barely pay her utility bills and was always borrowing money from friends to keep the electricity from getting shut off. Despite her obvious lack of funds, she somehow managed to keep her closet stocked with new clothes. And there always seemed to be a new package showing up on her front porch containing things she’d purchased from the Home Shopping Network.
She tried to justify these purchases by saying, “John, you know I need to buy new clothes so I can look professional when I’m at the office.”
Well, yes, it’s important to appear professional, but she did not need to buy expensive clothing every week.
Eventually, my friend was forced to declare bankruptcy. I still remember her sitting there on her sofa, surrounded by shoes still in the box and clothes still tagged. She looked at me and said, “John, I don’t think I bought any of this stuff because I needed it. I bought it because I thought it would make me feel good.”
“Did it make you feel good?” I asked.
She paused, touching her chin. “I thought it did at the time. Now, seeing all this stuff I never used, I guess not.”
The emotional high that comes from buying something new is short-lived and cannot compensate for the emotional burden of carrying too much debt.
But What if You Really Do Need It?
Yes, there are times in life when credit can help you out of a jam. The key is being honest about what you need. The first step toward the responsible use of credit is learning to differentiate between necessity and desire.
The second step is treating every credit purchase like the debt that it is. Always pay more than the minimum payment. Dedicate yourself to getting rid of that debt as quickly as you can. Instead of throwing a few extra bones toward the payment whenever you can swing it, actually sit down and draft a timeline for expedient payment.
If you take your debts seriously, you’ll pay them off more quickly, pay less interest, and be in a better position the next time you need to finance something.
http://johnplaceonline.com/stress-management/the-1-mistake-consumers-make-with-credit-cards/
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