Latest Articles from Credit Card Posts

Does It Hurt My Credit if Several Reports Run While Car Shopping?

May 11, 2012 | No Comments »

Auto lenders will often view your credit report prior to offering you an auto loan. The information in your report determines your FICO credit score, which runs from 300 to 850. This information will impact the terms of your auto loan, including the...

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Is your car a filthy mess?

May 04, 2012 | No Comments »

How about your home? Your office? Your yard? Im a little embarrassed to say yes, yes, yes, and yes. Or, at least, that was the old me. Im a hyper, busy guy, so everything was a mess. When was I supposed to find time to organize my stuff when I was...

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Is Unemployment Credible Income?

April 07, 2012 | No Comments »

Unemployment income is temporary income you receive when you lose your job. This money is considered income, though you do lose it when you return to work. When you apply for a bank loan, the bank looks for credible income from sources that...

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The infallible JP Morgan finally encounters the same loss problems as the rest

Posted by Gregory Young at May 13, 2012 | No Comments »

Back in April there was much talk about Bruno Iksil, Head Trader at the JP Morgan CIO (Central Investment Office) and how they were moving into proprietary ‘house’ trading.

The iconoclastic rating agency, and fully recognized NRSRO to the dismay of some tabloids, which just refuses to play by the status quo rules, and which downgraded the US for the second time last Friday, to be followed soon by other rating agencies as soon as US debt crosses the $16.4 trillion threshold in a few short months, has just done the even more unthinkable and downgraded Fed boss JPMorgan from AA- to A+.

That has now come home to roost. The

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Tags: Jp Morgan Morgan

Late Fees Bring Action on American Express

Posted by Gregory Young at May 11, 2012 | No Comments »

American Express Co is the largest credit card provider by purchases and they are now under the microscope for some of their late fee tactics. The Federal Deposit Insurance Corp and the Consumer Financial Protection Bureau are taking action against the company for late fees that were incurred by some AmEx customers through Centurion Bank.

There are no specific details as to how much the charges were for late payments by AmEx customers but the FDIC plans to file formal action against the credit card company. It is expected that the procedures of Centurion will be changed and the bank will be charged penalty fees and be required to provide customer refunds for overcharges found.

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Tags: American Express Express

Does It Hurt My Credit if Several Reports Run While Car Shopping?

Posted by Andrea Lewis at May 11, 2012 | No Comments »

Auto lenders will often view your credit report prior to offering you an auto loan. The information in your report determines your FICO credit score, which runs from 300 to 850. This information will impact the terms of your auto loan, including the interest rate that you may be charged and whether or not you are required to submit a down payment. It’s important to understand how your credit is impacted when multiple auto lenders pull your credit report.

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    • An inquiry occurs whenever someone views your credit report.

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Tags: Reports Run Run

Garnishment’s After Effect: Bank Rejects Applicant With Unpaid Banking Fees

Posted by Gregory Young at May 09, 2012 | No Comments »

 Sometimes I get calls from people anticipating  judgments who ask me how to protect against creditor garnishment of cash in their bank accounts. In many cases I have advised them to use new banks located in states outside of Florida. When some of these people try to open new bank accounts they find that the bank rejects their accounts. Most of these debtors assume their accounts are rejected because they have bad credit or because a lawsuit has already been filed against them.  

I called one such bank to ask the bank manager how they screen new account and why they had rejected on of my clients. The bank said that their rejection has nothing to do with the applicant’s credit score or legal entanglements. Banks do not run credit checks on new customers unless they apply for credit, and they do not search court records to see if the applicant is being sued or has a judgment against him.     < Read more…

Tags: Bank Effect Bank

Importing from China to Sell on eBay: 6 Essential Tips for Successful Importing

Posted by Gregory Young at May 05, 2012 | No Comments »

If you are interested in making money on eBay, you might be aware of the fact that some sellers find that competition on the eBay marketplace a little intense.

For many items such as electronic gadgets like mobile phones and mp3 players, it’s pretty much impossible for a new seller to make sales. This is because you are going head-to-head with long-term sellers with big budgets (they often make wholesale orders of over $20,000 -$30,000 at a time) which is difficult to compete with.

However, there are still a lot of unsaturated markets on eBay and therefore, there are still plenty of opportunities for you to cash-in. One of the best ways to ensure fast sales on eBay is importing from China, the global manufacturing giant.

When you import from China, you open yourself up to being able to source products that sell like hotcakes on eBay at a fraction of the cost of sourcing them locally. P

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Tags: Ebay Ebay Essential

Is your car a filthy mess?

Posted by Andrea Lewis at May 04, 2012 | No Comments »

How about your home? Your office? Your yard?

Im a little embarrassed to say yes, yes, yes, and yes.

Or, at least, that was the old me. Im a hyper, busy guy, so everything was a mess.

When was I supposed to find time to organize my stuff when I was constantly rushing to do the next big thing?

But then I started noticing something¦

By training my mind to give every physical thing a purpose, I started making better decisions about my time and my finances.

The floor of my car is not a trashcan. Thats not its purpose. Its purpose is to stabilize the car, keep me from falling through, hold the seats in place, etc. It was not created with the goal of holding my garbage.

So I dont put garbage on the floor of my car.

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Tags: Mess

What do you know about quick money transfer?

Posted by admin at Apr 26, 2012 | No Comments »

When you want to transfer money knowing how to do so and considering your options is essential. There are several options available when you plan to send money. The post office provides money transfers as one of their services. It is also possible to use a bank for transferring money and making payments. They provide money transfer services not only for members, but if you are a non-member of the bank when you use this service, you’ll spend more money on commission. Otherwise, banks help you transfer money from your account at another bank customer. It can be easy if a beneficiary has an account in your bank.

There are other groups that send payment online. CaxtonFX is a company who can transfer money online overseas and throughout your neighborhood. If you have a valid e-mail, you are eligible for this service. Just register with FastPay to transfer money. Read more…

Tags: Money Transfer Transfer

Make trading your career

Posted by admin at Apr 18, 2012 | No Comments »

Stock CertifiedTrading Stocks for a living is often a lucrative career. If you have a deep knowledge of the stock market, you can start by investing a small amount of your money by trading in securities. However, it is not an easy job; you have to take a lot of time to study the stock market.

The most common method by which people increase their livelihood is by registering with a stockbroker. In many parts of the world buying and selling of stocks is not very easy, and you have to carry out your trading through a stockbroker who has a license to trade on behalf of its customers.

Getting the right stockbroker is the biggest hurdle of investing in the stock market. Read more…

Tags: Career

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