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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5 Tips to Get Your Financial Life Ready for the New Year (Part 2)

Posted by Gregory Young at Dec 12, 2010 | No Comments »

In part one of this article, we looked at some key “to do” items to get your financial house in order in time for the new year. In addition to monitoring your credit, debts and savings, there are also some smart moves you can make to save on 2010 taxes and improve your long-term cash flow by re-thinking your home loan.

Make contributions to a 401(k) or IRA for year-end tax savings.

If you have a 401(k) retirement savings plan at work and if your employer matches your savings, make sure you’re contributing enough to get the full employer match. An employer 401(k) match is free money – your employer is offering to help fund your retirement; don’t miss the opportunity to get the full amount that your employer is willing to provide. For example, your employer might match 50 percent of the first 5 percent of your salary that you put into your 401(k). If you ma Read more…

Tags: New Year Part

The Dangers of High School Student Credit Cards

Posted by Andrea Lewis at Dec 12, 2010 | No Comments »

A decade ago you would never have heard of high school student credit cards. In this day and age, though, parents want their kids to grow up with a strong financial sense. Also, as teens become more and more independent, they also become more informed about things like credit cards — and what they know about, they tend to want.

There are definitely pros to high school student credit cards. They help kids organize themselves and teach them financial responsibility. However, before you dash out to get one for your own child, there are some issues you may want to consider.

1. Is your teen responsible enough to use a credit card wisely?

Even with a low credit limit, these cards are just as capable of creating irresponsible spending habits as responsible habits.

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Tags: Cards Credit Cards Student Credit Student Credit Cards

US Bank College Visa Review

Posted by Anthony Jackson at Dec 09, 2010 | No Comments »

Verdict: The U.S. Bank College Credit Card is designed for college students with no to little credit history. By using this card wisely — by paying their bills each month and not running up huge amounts of credit card debt — college students can gradually build a strong credit history. They can then apply for credit cards that come with more perks.

Overview: This card, because it is a basic one for younger cardholders, doesn’t come with many perks. However, it does give college students the chance to prove to lenders and other credit card issuers that they can responsibly handle credit.

How This Card Works: The U.S. Bank College Credit Card can come with low interest rates, depending upon the credit rating of applicants. It al

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Tags: Bank College College

A brief guide to UK credit cards

Posted by admin at Dec 09, 2010 | No Comments »

Credit cards offer British citizens many advantages such as improved credit scores and rewards like airline miles, bonus points and cash back. However if credit cards are used unwisely, consumers can easily amount large debts. The following guide contains a set of tips to protect consumers and their credit ratings while allowing them to enjoy all the benefits that credit cards have to offer.

It’s important when using 0% credit cards to always make payments on time. Otherwise, it is possible to be hit with late fees of £30 or more. Late payments can also trigger an increase in interest rates, even for good customers. Late or missed payment will be marked in credit reports and lead to higher interest rates on loans.

It is not necessary to have several different UK credit cards. Ideally, consumers should be limited to between two and six cards. Ap Read more…

Tags: Cards Credit Cards

All I Want for Christmas Is… CASH!

Posted by Gregory Young at Dec 07, 2010 | No Comments »

Santa baby, slip a little envelope under the tree for me! Nothing says “I love you” like a hunk of cash to buy what you want when you want it. In fact, you probably already bought yourself several little gifts while Christmas shopping. No returns. No fake smiles. Cash (or check) makes the perfect gift and it is so easy to give – or is it?

Unfortunately, lurking behind your tree is the mean and nasty Scrooge IRS ready to levy 35 percent gift tax on you if you are too generous this year! How can you avoid the Scrooge and still fill your family with joy on Christmas morning?

    Stay under the max. Each year, you can give away cash, property and gifts – without being taxed – as long as those gifts are below the annual gift tax exclusion amount. The 2010 annual gift tax exclusion amount is $13,000 per person to as many friends and family as you would like to give, and if you’re married, it’s doubled! You can make m Read more…

    Tags: Cash

    The Real Deal With Business Credit Cards No Credit Check Applications

    Posted by Andrea Lewis at Dec 06, 2010 | No Comments »

    At some point in your career as a small businessperson, you’ll probably receive applications for business credit cards no credit check required. At first it might seem like a dream come true, especially if (like many businesses starting out) you have no credit record to speak of. But you’ll probably start to wonder if anything like this can really be as great as it seems.

    Knowing the Score

    Before you can judge any credit card offer – credit check required or not – you need to know how the industry works. It’s quick and easy to learn all about the industry online, especially if you find a good site like Credit Card Whiz Kid and follow it regularly.

    Once you do, you’ll realize exactly how abnormal business credit cards no credit check required really are. In fact, they’re a complete impossibility. No credit card company in the world issues cards without doing a credit check: that’s simply not how the industry works.

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    Tags: Check Credit Check No Credit No Credit Check

    Payday loans provide you an easy monetary assistance

    Posted by admin at Dec 03, 2010 | No Comments »

    How to get a payday loan can be a question on the minds of a number of people who are financially too tightening at this time of year. online cash advance loans are necessary to bridge the gap until the next salary and may be appropriate for people who find more traditional sources of short-term loans not available. There is generally no restriction on what the money can be used; in fact, it would be unusual for lenders to ask questions about the purpose of a payday loan.

    The amount that can be borrowed varies between lenders and depend on the salary of the borrower. However, the amounts of $ 40 – $ 1,000 are not unusual in the extent that the amount is secured on the remuneration of the following month. Employers are not contacted before payment.

    It is important to understand that cash advances come with high interest rates which can be over 100% APR. Read more…

    Tags: Loans Loans Provide

    Top Money Tips: How to Achieve Your Money Goals and Financial Lessons for Women

    Posted by Gregory Young at Dec 02, 2010 | No Comments »

    Welcome to Quizzle’s Top Money Tips Roundup, where you’ll find this week’s top five most interesting, helpful and unique personal finance articles from around the Web. This week’s edition covers mid-range goals and how to achieve them, credit card balance transfer fees, money lessons for women and an important consumer alert about a shocking marketing tactic of one New York business.

    I’ve often read that the surest step you can take to achieve a goal is to write it down and post it somewhere you can see it. Doing this serves as a regular reminder of your goal and plants a seed in your brain to consider ways to achieve it. That’s what I like about this article from The Simple Dollar. It asks you to do this for your five-years-in-the-future-self. While this a

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    Tags: Money Money Tips Top Money Top Money Tips

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