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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Fictional Finances: Aaron Hotchner from Criminal Minds

Posted by Andrea Lewis at Sep 08, 2010 | No Comments »

Sometimes viewed as distant and uncompromising by his team, Aaron Hotchner is nonetheless an integral part of the Behavioral Analysis Unit (BAU) of the FBI, maintaining close relationships with the other profilers while leading them in organized hunts for serial killers all over the United States. Aaron “Hotch” Hotchner is the Unit Chief and a Supervisory Special Agent, often introduced as “SSA Hotchner.”

Family Finances

Hotch was married to his high school sweetheart, Haley, until the middle of the third season of “Criminal Minds”, and they have a son together named Jack. Haley gets tired of raising Jack alone while Hotch travels around the country in search of evil, and she finally serves him with divorce papers following their separation.

Divorce is always expensive, but it is obvious from the occasions when we see Hotch’s home that he does not want for money. FBI agents, a

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Tags: Aaron Hotchner Hotchner

What rewards you can get with credit cards

Posted by admin at Sep 06, 2010 | No Comments »

There are many credit card offers that are intended for people with large debts to manage. These quotes offer 0% balance transfer rate and low long-term interest rates for clients. But people, who pay their credit card balances in full each month, do not make much from these agreements. These people would do better to shop for a credit card that offers rewards. There are several variants of reward credit cards to choose from. Cash back rewards are where clients get a cash refund that is related to expenditure on the card. Usually, this will be a percentage of the amount spent, up to 1% or more depending on the card. Some cards offer a discount of ? 1 for every ? 100 spent; others offer as much as three pounds. This may be an excellent reward for people who put large balances on their credit cards every month. Read more…

Tags: Credit Credit Cards

Minimum Payments Are For Suckers!

Posted by Andrea Lewis at Sep 03, 2010 | No Comments »

Let me put this bluntly: if you’re paying the minimum payments on your credit card balances, you’re shooting yourself in the foot.

The credit card companies like to pretend that they’ve started putting those little “Minimum Payment Warnings” on your billing statements because they care about you–but I can assure you, that’s hardly the case. They’re doing it because they’re now required to do so by law.

In a way, they’re paying a price for their own greed. Back in the late 2000s, they helped pushed through legislation making it difficult to file bankruptcy, in large part because they were sick of people not paying their credit card bills.

Of course, in so doing, they were attempting to duck responsibility for their own malfeasance.

We’ve all heard of little kids getting credit card offers in the mail. Well, I know people whose pets gotten those offers, including, in one case, a goat.

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Tags: Minimum Payments Payments

California rejects bill to protect homeowners from foreclosure

Posted by Anthony Jackson at Sep 01, 2010 | No Comments »
More homeowners may face foreclosure before their modification loans are approved

Proposed legislation that would have provided foreclosure protection to homeowners undergoing the loan modification process has been rejected in the California Assembly. Banks and lending institutions are pleased with the ruling, but consumers, who highly supported the foreclosure protection proposal, are incensed with the Assembly’s decision.

According to the San Francisco Chronicle, the legislation would have prevented lenders from beginning foreclosure proceedings until after they rendered a decision about a consumer’s loan modification status. The bill would have also allowed homeowners to sue if they failed to comply with the measure.

Lenders that choose to participate in the federal government’s modification program are barred from initiating a foreclosure until the application has been officially decided upon. Read more…

Tags: Homeowners Homeowners Foreclosure

So, What’s the Minimum Age for a Credit Card?

Posted by Andrea Lewis at Aug 30, 2010 | No Comments »

For a while there, it seemed like there was no legal minimum age for a credit card at all. We’ve all heard tales of babies getting credit card applications, and I personally know someone whose young goat got one. (I’m not kidding here).

Things are still nebulous on this front, even in the wake of the infamous Credit CARD Act of 2009, which straightened out a lot of things credit card related. Let’s take a brief gander at the issue.

Well, legally…

Remember the heady days when credit card companies tempted college students with the promise of nectar and ambrosia–that is, beer and pizza–if they’d just sign up? I do, and before February 2010 many a young adult started down the slippery slope to financial penury that way.

Before the Credit CARD Act, you were considered financially responsible at the age of 18. Not anymore.

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Tags: Card Credit Card Minimum Age

JD Power and Associates Releases 2010 Credit Card Satisfaction Report

Posted by Andrea Lewis at Aug 24, 2010 | No Comments »

For those headline readers who are interested in the bottom line, the short answer to the question is American Express.

If you want an explanation as to who says American Express is the best credit card service provider or why American Express can claim to be the best at providing credit card services, read on.

According to a 2010 study just released by JD Power and Associates, consumers have given American Express the highest customer satisfaction ratings of the nation’s top 10 credit card issuers. American Express not only rated highest in in customer satisfaction in the 2010 study, the company also took top honors each year since the study’s inception in 2007.

JD Power and Associates, a global marketing information service that has been in business over 40 years and is probably most well-known for their customer satisfaction reports on new car quality, conducts research on six key areas of credit card customer satisfaction: interaction; credit card terms; billing and payment process; benefits and services; rewards; and problem resolution. The

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Tags: 2010 Credit Credit

Saving With The Sears Christmas Club Card

Posted by Anthony Jackson at Aug 22, 2010 | No Comments »

Today in my local grocery store I saw displays of Halloween candy. I checked my phone’s calendar for the date. Mid-August. You know what Halloween candy means — Christmas and the holiday season is almost upon us. (Forget Black Friday; Holiday retail displays tend to go up the day after Halloween, November 1.)

How much money do you have saved up for Christmas shopping this year? If the answer is a big fat goose egg, don’t despair. It’s not too late to start saving, and the Sears Christmas Club Card can help.

Launched for the first time last year in mid-August, the Christmas Club card encourages (and rewards) saving, while driving Christmas sales to Sears and K-Mart stores.

How this card works: This is not a debit card, credit card or a gift card. It’s a completely new card concept. Customers

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Tags: Christmas Christmas Club

Here’s a New Idea: a Limited Use Credit Card

Posted by Andrea Lewis at Aug 22, 2010 | No Comments »

These days, I think it’s a good idea to set up what I think of as a “limited use” credit card account for travel and Internet use. Instead of using your high-limit Visa or MasterCard to reserve a room or pay for World of Warcraft, use a more constrained card that can’t be easily hijacked for credit card fraud.

What the heck do I mean? Read on, and I’ll tell you.

Get a rope!

Recently, yours truly was reading in a major metropolitan newspaper about a woman who stole people’s credit card numbers while booking hotel reservations for Marriott. She ran up more than $34,000 worth of purchases before she got caught.

Ironically, she was nabbed not because people reviewed their credit card statements and started wondering about mysterious charges, but because she walked into a car dealership and tried to buy a $26,000 Hummer with one of the stolen card numbers.

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Tags: Card Credit Card Limited Use

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