Latest Articles from Credit Card Posts

Sneak Peak!! New FreeScore.com “Starter Home” Commercial Airs February 6

January 28, 2012 | No Comments »

Starting February 6th, we will begin national airing of our two new TV commercials each entitled, “Starter Home.” The two commercials offer something for both men and women. We have one spot featuring a woman looking at her dream home with a...

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Debt consolidation done right

January 18, 2012 | No Comments »

Debt consolidation through a refinanced home loan can offer a tempting promise — the exchange of your maxed-out credit cards for a clean slate. The trouble is, consolidating debt with a refinance doesn’t reduce it by a cent. It just...

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Factors influencing credit report Posted By : Joy Mali M

January 11, 2012 | No Comments »

Factors influencing credit report – By: Joy Mali M Credit Report the name itself explains the importance and we are well aware of its significance in our lives. Not only as basis in calculating credit scores, credit statement also decides...

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How Often Should You Switch Mortgages?

Posted by admin at Jan 29, 2012 | No Comments »

Banks and building societies make a lot of money out of the fact that most people simply cannot be bothered with the process of switching their mortgage. Once you have found a mortgage that seems like it is a good deal, from a company that treats you relatively well, inertia can keep you tied to that contract for far longer than is wise. It is far better to shake off that inertia, grab your computer and see how well your mortgage deal fares in comparison with the latest on the market.

Introductory offers from banks and other mortgage providers typically last from between a few months to a few years. As soon as this period is over, it is wise to start looking around for a new mortgage. Changing mortgages frequently will ensure you are getting the best deal, although it is more hassle. Read more…

Tags: Switch Switch Mortgages

Inflation in the UK Falls In December

Posted by admin at Jan 19, 2012 | No Comments »

UK inflation fell drastically in December to 4.2%, on the back of lower fuel and clothing prices.

According to data collected by the Office for National Statistics (ONS), this recent drop has seen the Consumer Prices Index (CPI) inflation fall from 4.8% in November to only 4.2% in December.

This is the largest monthly CPI fall since April 2009, and also the lowest the rate has been since June 2011.

The sudden drop has also been seen in terms of Retail Prices Index (RPI) inflation, which has also seen a fall from 5.2% to only 4.8% in the same period.

These records back up predictions made by the Bank of England (BoE), who has said that they believe inflation will fall, down to only 2% by late 2012.

This is a direct reflection of the 2.8% drop in the price of clothing and footwear by stores that was seen in the run-up to Christmas in an attempt to attract more customers.

Fuel prices also fell by 0.6% during the same month, however the cuts being made by the major gas and electricity suppliers is yet to take any effect on these figures.

However, not everything has fallen; food prices saw a rise of 1.4% during the last month, despite very strong competition between the market leaders in the run up to Christmas.

Chis Williamson, analyst for financial information service Markit, said: “Further falls are likely in coming months, reducing the squeeze on incomes seen last year and therefore providing a much-needed boost to economic growth in 2012.

“The data therefore add support to the Bank of England’s expectation that inflation will drop below its 2% target by the end of the year.”

With inflation set to fall to even more throughout 2012, it’s a good time to have a look into credit cards and other ways that could help you to make the most of the extra money that could be coming your way.

Tags: Credit Cards

The great option of balance transfer credit cards

Posted by admin at Jan 07, 2012 | No Comments »
The great option of balance transfer credit cards

0 balance transferWith growing industry of credit cards, the problem of credit card debt becomes very serious for many customers. The solution was found with a credit card balance transfer.

One of the main benefits of balance transfer credit card accounts is the APR promotion that they usually provide. Due to the overwhelming competition in the market today for balance transfer credit card accounts, new providers have had to come up with excellent options. Interest rates sometimes are as low as 0% lasting from the date the account was opened to the end of the promotional period. Read more…

Tags: 0 balance transfer

DIY steps that can ensure a rejuvenated credit score

Posted by admin at Dec 27, 2011 | No Comments »

If you have been in the market to take out a loan and you’ve been turned down by the lender due to a poor credit score, you must be aware of the importance of a good credit score in today’s market. Blotches on your credit report usually cost you dearly in the long run and therefore whenever you find them on your report, you should immediately take steps to repair your credit score. No lender will lend you a loan with an affordable rate without giving a glance at your credit score and therefore you always need to stay on track so as to be able to grab a loan within your means. Here are some ways DIY steps that you may take in order to rejuvenate your credit score and get back a grip on your finances.
 

CreditMagic: Helping you build up credit
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Tags: build credit

Using a Credit Card to Build your Credit Score

Posted by admin at Dec 09, 2011 | No Comments »

Having a good credit score is important for all sorts of things, so it is vital that you take steps to improve your score as much as possible. Using a credit card is a good way of doing this and with options available – such as an interest free credit card – you can also improve your management of your personal finances at the same time. This article looks at how your credit card can help you build your credit score.

One of the main ways it does this is by giving you a chance to prove you can manage your money responsibly. If you are approved for a credit card then you will be given a credit limit, which you are not allowed to exceed each month. You Read more…

Tags: Credit Card

Tips for obtain fast cash loans

Posted by admin at Oct 12, 2011 | No Comments »

Fast cash is a blessing at least at some point of time in our life, because no one knows when a financial crisis occurs. When planning to avail these kinds of loans we must give immense care about from whom we are buying such loan, because as the demand for these fast cash increases there are so many fake companies who are into this business.

There are different methods by which one can get fast cash loans. One is by online method and the other is by offline method. The application process is so simple that you only need to fill an online application form and send to the concerned company. as this is a type of quick cash there won’t be any kind of deep investigation about the application. The customer will be getting money within a few hours or within a day time and the money will be send to the bank account of the loan holder. Read more…

Tags: Loans

3 Tips on Buying a Car on Credit

Posted by admin at Sep 05, 2011 | 1 Comment »

Buying a car on credit can be a great way to get a quality car even if you don’t have the cash available. Follow the tips below and get the car of your dreams without leaving you penniless.

1. Choose the right type of credit

If you are looking to buy a new car then there are very few credit card providers that will offer a credit limit of £15,000+. So, in the case of a new car it makes more sense to apply for dedicated car finance. Thankfully a lot of car dealers now offer 0% finance if you can provide a deposit (and there’s no reason why you can’t put this on a 0% interest credit card).

Used cars on the other hand can often be bought outright with the aid of a suitable credit card. The best credit card deal for this will offer either a 15 or 18 month interest free period on all purchases i.e. you do Read more…

Tags: Credit Card

New Study: Consumers Are Paying Down Their Credit Card Balances

Posted by Anthony Jackson at Jul 26, 2011 | No Comments »

Contrary to popular belief, the recent trend of lower credit card balances is a product of consumers paying down their balances, not charge-offs by creditors. This is according to a TransUnion study that found that consumers spent $72 billion more on their credit card balances than on new purchases between the first quarter of 2009 and the first quarter of 2010.

Let’s put this in perspective for the average credit card holder. The $72 billion reduction amounted to a drop from $5,776 to $5,165 for the average person. This amounts to $611, which is approximately 10.5 percent of their total balance. This number dropped again in the first quarter of 2011 in which it stood at $4,679 – an amount that is $1,097 (about 19 percent) less than it was 2 years earlier. It is important to note that this study was based on conservative assumptions. Had

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