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WHY HAVING NO LOANS OR DEBTS WILL NOT IMPROVE YOUR CREDIT SCORE

Admin Manager - Monday, July 17, 2017
People believe that having no credit cards, not owing money, and, basically, avoiding anything related to credit will improve their credit score. Well, the opposite is the truth - lenders want you to show them that you can handle credit, and, of course, the only way they can notice is if you have credit that you handle correctly. Having no credit at all can be worse for your credit score than having a few credit accounts that you pay off conscientiously. So, if you currentl ..

WHY PAYING YOUR BILLS ON TIME IS SO IMPORTANT

Admin Manager - Sunday, July 09, 2017
By simply paying your bills on time you’re already improving your credit score. That sounds ridiculously simple but it really works, because paying promptly shows lenders that you take debts seriously. Paying your bills on time increase the odds of you making the payment on a new debt on time as well, and that is definitely something a lender is interested on. In fact, according to experts, up to 35% of your credit score is based on how often you pay your bills on time, this easy  ..

CREDIT CARDS: THE HIGH INTEREST RATE SOLUTION

Admin Manager - Tuesday, November 01, 2016
The Federal Reserve has raised interest rates substantially over the past two years. Consequently, credit card annual percentage rates have followed suit. Nearly all credit cards tie their interest rates to the prime rate, which has doubled to 8% from 4% during the string of rate hikes that began in 2004. This has led to interest rates on credit cards rising by 30% or more. Since August of 2006, the Federal Reserve has kept interest rates steady and many economists believe the next move may be a ..

CREDIT CARDS: HOW DO THEY DO THAT?

Admin Manager - Tuesday, October 25, 2016
During the days when the Federal Bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge credit cards up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off of this ..

CREDIT CARDS: A WAY TO ELIMINATE DEBT

Admin Manager - Tuesday, October 18, 2016
It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can, in fact, play a significant role in helping a person reduce or get out of debt. What is a 0% APR credit card? APR is the annual interest rate known in the industry as the “Annual Percentage Rate”. It is a reflection of the cost of credit. In the old days, everybody paid a standard APR based o ..

CREDIT CARDS: A SMART WAY TO SAVE

Admin Manager - Tuesday, October 11, 2016
With the numerous credit card options available today, you can use plastic to pay off debt and save money at the same time. Using a credit card to get rid of debt, rather than rack it up, may sound strange but it is possible with 0% APR credit cards. All of the major credit card companies offer 0% APR credit cards - they are a great way to save hundreds, even thousands, of dollars on interest. If you use them wisely, 0% APR credit cards will help you get one step ahead in the credit card world.  ..

CREDIT CARDS: A TOOL TO ELIMINATE DEBT

Admin Manager - Tuesday, October 04, 2016
0% APR credit cards: a tool to eliminate debt. It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can, in fact, play a significant role in helping a person reduce or get out of debt. What is a 0% APR credit card? APR is the annual interest rate known in the industry as the “Annual Percentage Rate”. It is a reflection of the cost of credit. In ..

CREDIT CARD — COPING WITH YOUR FINANCES

Admin Manager - Tuesday, September 27, 2016
Credit cards are a big responsibility. When used improperly, they can disrupt your future financial solvency and cause you other cash flow problems. The more you know about credit, the more likely you will use this powerful tool wisely. Credit card users nowadays are making a giant leap from the typical shopping experience to a cashless shopping extravaganza. It is very easy to get in over your head with credit cards. With the endless shopping convenience that credit cards can bring, m ..

CREDIT CARD OFFERS: SAVING MONEY

Admin Manager - Tuesday, September 20, 2016
In today's economic situation, everything is getting more and more expensive and this is why people go to any lengths just to save money. Some people try to save money by purchasing cheaper goods and some try to save on utility expenses like electricity, gas, and water. Credit cards are one of the most popular ways to purchase goods and services. They can even be used to pay your utility bills. With a credit card, you don't have to carry a lot of cash in your wallet to purchase the thi ..

CREDIT CARD BENEFITS

Admin Manager - Tuesday, September 13, 2016
You will see many lenders offering 0% APR credit cards. If you’re thinking of applying for a 0% APR credit card, it is worth taking the time to research to compare all the offers and benefits available. Although many companies offer 0% interest credit cards, in most cases it is for an introductory period of 6 to 12 months only. You should take the time to compare the agreements and conditions carefully as these vary considerably from lender to lender. It's also important that you take ..

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