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    Things You Can Access With Your Credit Card

    July 6, 2017

    A credit card comes with a set interest rate and credit limit depending on the type of card you choose and your creditworthiness. There is usually a range of values for the limit and rate and the details on your application will determine the values. These values remain constant for...

    Credit Card Fundamentals from a Holder’s Perspective

    February 15, 2017

    Understanding fundamentals of credit cards can help you charge wisely and maintain a good relationship with your card issuer. As a holder, you need a credit card that will help you meet your purchasing objectives while minimizing charges that come along with their use. Here are top things you need...

    Benefits of the New Credit Card Laws Regarding Credit Card Rates and Fees

    July 13, 2017

    The new credit card laws under the Credit Card Accountability, Responsibility and Disclosure, or Credit (CARD) Act of 2009 brought a number of significant changes into the credit cards sector. As the name suggests the aim was to improve customer disclosures and end punitive practices imposed by credit card companies...

    Rules and Regulations Governing Credit Cards

    March 23, 2017

    Credit cards are a permanent fixture in America. They avail financing opportunities for citizens who feel like they need them. They are available for everyone who qualifies and there are certain rules that need to be adhered to. These rules were implemented when the CARD (Credit Card Accountability, Responsibility and...

    Types of Credit Cards

    March 2, 2017

    Credit cards come in different types. The differences come in with the benefits, terms and conditions. Some will opt for less strict terms or perks like concierge service and travel insurance for those clients with a great credit score. Qualifying for any card will depend on whether you meet the...

    How to Live With a Credit Card

    May 25, 2017

    The excitement is palpable for new credit card holders because the prospect of not having to have cash every time you want to buy something is very alluring. This offers convenience for many people but it can sometimes spiral out of control. Why people like them Credit cards make people...

    Balance Transfers to a New Credit Card

    May 18, 2017

    When you make a balance transfer, you are paying off the balance on one or more existing cards or loans by transferring the balance to a new credit card account. You cannot transfer more than the credit limit on the new card. Why would anyone move their balance from one...

    An In-Depth Look at Types of Credit Cards with Rewards

    June 8, 2017

    One of the major kinds of credit cards is the credit cards that come with a rewards program or structure. This is offered as an incentive to consumers to encourage purchases with the use of the credit cards. Given their promise of reward, they are pretty popular and they are...

    Interpreting Your Credit Card Statement

    May 11, 2017

    As soon as you open your credit card account records are kept of all your activities. Anything you purchase using the card will go on record and a statement is provided at the end of every month to show you how your balance was arrived at. A credit card statement...

    Advantages of a Credit Card and Why You Should Get One

    June 15, 2017

    There are several reasons why you should consider getting a credit card despite all the news about people falling into credit card debt. A credit card presents you with a number of opportunities with the most obvious ones being convenience and a chance to build your credit rating. Under convenience...

    Follow These Four Rules to Use Your Credit Card Safely

    March 9, 2017

    A credit card is a handy tool for making purchases in real time. All the same, using your credit card wisely can help you build a solid credit rating that you can use to secure a job, loan, or to obtain credit in a tight financial situation. For both existing...

    Credit Card Basics You Should Know

    April 6, 2017

    Credit cards have become a staple in America and everyone seems to want one. Obtaining one requires you to give some information about yourself to your bank. This includes your full name, date of birth, social security number, physical address and an estimate of your gross annual income. This information...

    Getting a Credit Card with Bad Credit

    June 29, 2017

    Here’s the catch: to rebuild your credit, you require a credit card, but how can you obtain a credit card with your bad credit? Many Americans have found themselves in this fix after the recession and so you’re certainly not alone. Fortunately, there’re lenders ready to do business with you....

    Top 7 Benefits of Having a Credit Card

    April 13, 2017

    A credit card has numerous benefits if you use it judiciously. It helps you fulfill your needs; you can purchase anything with it. Given the benefits that the card accords to its users, you’ll find everyone with it in the United States, from teens to retirees. Here are the benefits:-...

    Five Tips for Using Your Credit Card Wisely

    March 16, 2017

    Credit cards have been identified as one of the easiest ways through which individuals accumulate debt. This has led to new laws governing the sector and even with these laws, there is still much that is dependent on you if you are to avoid the trap of debt and enjoy...

    Common Irrational Fears Concerning Credit Cards and Their Solutions

    February 23, 2017

    Credit cards have aroused a number of fears from prospective clients especially with the news of a number of previous users having found themselves under the yoke of credit. As a result, a number of fears concerning credit cards has developed making people hesitate to get credit cards. The main...

    3 Ways to Lower Interest Rates on Your Credit Card

    April 20, 2017

    Do you wish your credit card’s interest rate was a bit lower? You are not alone; many people have the same expectation. Lower interest rate simply means you can save more and focus on growing your income rather letting it all go with debt repayment. Fortunately, you can do something...

    Mistakes to Avoid When Getting Your First Credit Card

    May 4, 2017

    Credit cards have been in the limelight in recent times for the wrong and right reasons. However, mostly it has been how people get easily into debts they cannot manage. All these just come to mismanagement of the credit cards and making misinformed decisions which only end up increasing the...

    Protection Offered By the New Credit Card Laws to Users

    April 27, 2017

    Under the new credit act, there are a number of laws which are aimed at protecting the client or user of the card. All these are aimed at reducing the ease with which people fall into debt through credit cards. Much of the debts come as a result of high...

    A Comparison of the Major Types of Credit Cards: The Pros and Cons

    March 30, 2017

    There are so many kinds of credit cards available in the market and each new day sees the providers come up with a new niche complete with a tailored credit card. Given the benefits of each card which are touted widely by the sales people and advertisements, it may appear...