Subprime Credit Card

by Dan Moskel A sub prime card was designed for those with a low credit score ... out of your card on your credit you should try to keep the balance at roughly 20% of your available credit ... , and charge offs on their credit report. Every card does have different approval requirements but will give [more...]

Date: 2009-01-16 07:36:06

Blog posts (766) | Videos (395)
 

What is the trick to establishing good credit through using credit cards?

using credit cards ltmac85 asked: Just starting off trying to develope credit to buy a house in the near future, already have a payed off car ... : credit score repair, credit turned down, student loans, high risk lenders Share and Enjoy: Digg ... . So there is no sence in getting a new one to establish credit. Therfore im going to try [more...]

Date: 2009-01-17 21:17:00

On Chase’s Customer Service

Chase gets it. Their customer service number, for both U.S. and Internation is printed on the back of every credit card, as I assume most credit card ... t want my credit card being shut down for suspicious charges. So, I gave Chase a ring. After a short [more...]

Date: 2009-01-18 04:06:51

Don’t let Credit any Credit Card Company Keep you Down

by Denzel Abintenk Unfortunately it is very normal for people to get themselves into severe debt using their credit cards that they require the ... and quickly find yourself in exactly the same position again. Credit card debt is a vicious circle, once ... of a credit repair company might seem like a good idea however it will almost certainly damage [more...]

Date: 2009-01-14 20:27:27

Six Simple Steps to Avoid Credit Problems in a Bad Economy

The New York Times ran a story today that says the next consumer crisis is credit cards — a sobering fact in a nation that has racked up massive amounts of credit card debt. Unfortunately, when times get hard, many people turn to credit cards ... this myself, buying things on credit when I had no other way to pay for them. I’m not talking about [more...]

Date: 2008-10-29 23:20:31

Money Blue Book Weekend Roundup - 6

Since it’s a lazy weekend afternoon for me, here are some finance and frugality reading material I thought you all might enjoy ... To Apply For Instant Approval Credit Cards Four Pillars featured The Best Airline Miles Credit Cards ... Reduction Being Frugal answers questions about How To Eat Healthy On A Budget My Credit Card Blog [more...]

Date: 2008-06-28 18:44:15

If Your Kid Loses His Wallet...

A picture of a wallet. In addition to a driver's license, teens today carry many of the same things adults carry in their wallets: credit cards, ... Commission: Cancel your credit, debit and ATM cards immediately. Get new cards with new account numbers. Call the fraud departments of the major credit reporting agencies. Ask each agency to put out [more...]

Date: 2009-01-16 05:45:56

You Can Legally Erase Your Credit Card Bill From Your Credit Card Company

American consumers can now legally and ethically discharge 50% of their debts that they owe to their financial institution. Not many Americans have been made aware of this fact because their CC company only wants them to pay the minimum payment each and every month and thus steal away their wealth from them pennies at a time so they go unnoticed.Last 5 posts by When Do You Apply For a Law Suit Loan? [more...]

Date: 2009-08-11 06:00:53

Truth About Merchant Accounts !!!!

Truth About Merchant Accounts !!!! January 16th, 2009 If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting! ... . Credit card holder’s have the right to call their credit card company and dispute a transaction ... to set-up credit card processing for their business, they overlook the fact that they are entering [more...]

Date: 2009-01-16 20:15:16

Like a Drug: Suze Orman on Credit Cards

I recently participated in a conference call with Suze Orman, who is working to promote Best Life Week ... her about maintaining motivation and sticking to goals. She answered with how to avoid credit cards ... and to stop using credit cards, but it’s another thing to actually maintain the dedication for the days [more...]

Date: 2009-01-06 13:00:49

Best Prepaid Credit Card – What To Look For

September 27, 2009 | By Dan Moskel In Finance | by Dan MoskelYou may have heard of these and asked, “why are they called credit cards if you receive no credit?” To answer that question and many others, let’s look at them in detail.Nearly all of the major issuers offer these. The concept is very simple. Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail. It looks identical to a regular one typically with a Visa or MasterCard logo. [more...]

Date: 2009-09-27 18:13:10

Better Lucky Than Good

Last Saturday morning I realized shortly before heading down to the airport that I couldn’t find my wallet. I was running late, and could only do a brief search. As a precaution I locked out my credit card ... all be an enormous hassle of course: Replacement bank cards and credit cards were easy enough to come by given [more...]

Date: 2009-01-15 01:26:55

How To Do A Credit Card Debt Consolidation.

Credit card debt consolidation allows you to pay your current debts in 3-6 years. Under a debt consolidation plan, terms and conditions change ... representative. There may be instances that your account will be turned over to a collection agency ... cause the creditors to resume the normal collection activities and what’s worse, they might turn [more...]

Date: 2009-01-15 14:28:51

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

The Situation of Credit Card Regulation

Situationist Contributor Adam Benforado recently published the following op-ed, titled “Time to Rein in Tricks of the Financial Trade,” in Cap Times . * * * I have a confession: I teach contract law, and I do not understand everything in my credit card agreement. If business law professors are getting lost in the fine print of consumer financial products, we have a fundamental problem. Back in the early 1980s, the average credit card contract filled up a single page. [more...]

Date: 2009-09-28 04:01:16

Up next: Credit card crisis

Feb 29 2008 picture 26 - Bank Of America - doesn't exist anymore, I don't think - transparent credit cards, originally uploaded by s, ... ? Lenders wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... . Currently, the total losses amount to 5.5 percent of credit card debt outstanding, and could surpass [more...]

Date: 2008-10-29 14:58:57

Fed decided to Institute Curbs On Issuers of Credit Cards

On Tuesday rules have been proposed by the Federal Reserve to end banks’ ability to apply credit card payments to balances having lowest interest rates first, implementing legislation Congress passed in May. The Fed also proposed that before charging fees for transactions that exceed credit limits creditors obtain consumers’ consent. The Fed said in a statement that restrictions on lending to people under the age of 21 and subprime credit card fees were also included. [more...]

Date: 2009-09-30 12:56:49

The Fed Should Buy Down Consumer Credit Card Rates - Fast

Lets say I owe the bank behind my credit card  1k dollars and Im paying  10pct interest because the best I can do is a little bit more than the ... that I have my credit card  with and charge it 5pct plus some warrants to in turn loan that money back ... with to help save people’s homes, are many of the same banks that are pounding credit card holders [more...]

Date: 2008-10-24 23:38:36

How to find what you require in the matter of funds

Increasing crowds of residents are objecting the deficiency of loan opportunities above all since the credit crunch took over. However there are these days a number of products available like bad credit credit cards , payday advance, unsecured loans bad credit. This is brilliant news for the persons who have been rejected by standard financial institutions. These days larger numbers of people have the chance to receive funds when they require it the most! [more...]

Date: 2009-09-22 03:38:03

Time for A Trip to the Mall

Andrew Leonard: There’s only one shopper with a purse large enough to make a difference in this kind of mess — and that’s the U.S. government ... cards, and digging themselves even deeper into debt at a time when credit card companies are raising ... t have any credit card debt, you’re gainfully employed, and you are staring at a $499 price tag [more...]

Date: 2008-12-02 15:17:43

Record Credit Card Defaults Signals a Weaker Recovery

According to reports from Moody’s ( MCO ) Investors Service, credit card delinquencies surged to record levels in August.  In the first increase of charge-off rates since the rally began in March, credit card issuers wrote off 11.49% of uncollectible consumer debt compared to 10.52% in July.  Also loans more than 30-days past due also rose to 5.8%.  Moody’s report also suggests that charge off rates are not likely to peak until mid-2010, as unemployment continues to strain many consumers budgets. [more...]

Date: 2009-09-24 14:40:21

Emily’s List: Model behavior edition

Today is the birthday of English supermodel Kate Moss, Hungarian model Michelle Wild and British fashion model Lauren McAvoy ... -up of the best credit card-related blog posts. Celebs love credit cards too 1. Get Rich Slowly finally took the time to read his 63-page credit card agreement and found something he wasn't expecting. Models [more...]

Date: 2009-01-16 14:30:59

Exclusive Credit Cards Deals

.fullpost{display:inline;}As there are so many type and features of credit card offered in the market, ... if you don't want to be trapped in a sticky situation of having debts and bad credit score ... of credit card at extracreditcards.com. This website has the discussion and articles that will explain [more...]

Date: 2008-12-02 04:04:00

That First Taste of Financial Success

wendy3 About a month after I hit bottom in terms of my debt, I sent in a large payment on one of my credit cards, ... off the rest of my credit cards, to pay off our car loans, to pay off my remaining student loans ... s been tasty all the way along. A lot of people like to criticize Dave Ramsey and his “Total Money Makeover [more...]

Date: 2008-10-21 14:00:52

TKC EXCLUSIVE!!! AN UNTOLD KANSAS CITY CREDIT CARD CONTROVERSY!!!

With Kansas City in so much financial trouble, a recent resignation at City Hall is exceptionally poignant ... is related to the discovery of big, inappropriate credit card bills. The abrupt resignation was a result ... credit cards would go unquestioned. Then again, that's kind of a metaphor for the way that so many [more...]

Date: 2009-01-17 22:15:20

Debt Management

Debt not only causes stress and worry, but it could also harm your credit rating ... only be used in the case of an emergency. If you find yourself having to use your credit card a lot ... of your credit card. Incessant spending is a form of mismanaging your money. This is what puts most [more...]

Date: 2009-01-16 20:45:59

Is It Better To Have A Mastercard?

by Will Smith In these current times despite a poor credit history it is still feasible for someone to get a credit card from the mass that ... to respect if you are seeking a bad credit, charge card. Of course, the Internet is the fastest ... currently flood the market. The primary two credit card suppliers normally best to approach first [more...]

Date: 2009-01-16 18:28:18

On Credit Cards and Free Credit Reports.

Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... . I know that paying on time affects my credit score so I always try oblige to my hubby’s reminder. Sometimes [more...]

Date: 2009-01-15 06:40:58

The Ultimate Pandemic: Identity Theft

If you’ve ever been a victim of identity theft, you know first hand the stress and problems it can cause ... only and not online. 4.  When paying bills with a check, especially credit cards, write ... . 6.  Make photocopies of your license and credit cards.  Keep your social security card at home.  Also [more...]

Date: 2009-01-15 15:24:48

How to Manage Your Credit Card Debt

How to Manage Your Credit Card Debt Posted in January 18th, 2009 Category:Credit You’ve spent a little here, a little there, ... credit bills arrive but you’re not paying off the full amounts each time. make money online So with your credit limits almost maxed out you decide to try and take ... [more...]

Date: 2009-01-18 08:03:06

In ‘Dear Graduate’ author Brett Handler explains to students and parents the perils of easy credit

PALM BEACH GARDENS, Fla — The federal government is clamping down on the Wild West of credit card issuing to young adults when tough new regulations go into effect in February 2010, and Brett Handler couldn’t be happier. Handler, author of “Dear Graduate” (ISBN-13: 978-0-615-29936-5, Dreamstar Publishing), the innovative new book and CD for young adults about financial responsibility, has been railing against credit card companies’ injudicious card issuing practices for years. [more...]

Date: 2009-09-17 15:07:45

You Say You Want a Regulation?

As if the economic news weren't bad enough at the moment, ... lenders from raising interest rates on existing balances unless a payment is received late. Credit card ... . Enter new "credit card regulations" issued by the Federal Reserve, Office of Thrift Supervision [more...]

Date: 2008-12-29 14:00:48

How One Couple Paid Off $30,000 Of Credit Card Debt

Eat Now, Pay Later photo credit: inkynobaka I came across an inspiring story about a couple that managed to pay off $30, ... people that I talk with could never get rid of a cell phone, cable tv, or internet. They also cut out gym ... 000 in credit card debt and is now saving $500 a month. The Dunleavey’s tackled the credit card [more...]

Date: 2009-01-16 13:00:09

Fraud enablers, customer non-knowledge and more

Could we maybe sell you the same thing twice? Or more? Don’t companies know anything about their customers? ... . To make a long story short, I bought stuff from the merchant who used Payson as their credit card ... inquiries, so I called my credit card company. Alas, they cannot do anything as their customer [more...]

Date: 2009-01-14 20:34:02

Managing Your Credit Cards Responsibly

September 27, 2009 | By Tawana Rashing In Finance | by Tawana RashingCredit cards can easily go from being your best friend to your worst enemy. If your credit is any good at all, you probably get a ton of pre-approval notices from different companies. They?re offering you the world in a credit card ? no APR, huge credit limits, awesome purchase bonuses and more. [more...]

Date: 2009-09-27 17:25:27

The Great Escape

I managed to get all three of the Spots crated up, in the truck and driven down a snowy mountain road this morning to the drop off place, ... left on schedule, minus one Spot.An escaped Spot and a rejected credit card, that is two bad things ... cabin. The credit card I use solely for construction expenditures and pay in full every month [more...]

Date: 2009-01-14 17:10:00

Brief Interview With a Visa Representative

You may have noticed a new sponsor lately. Yep it’s Visa ... to use as a credit card? Despite the popularity of debit cards, consumers are often confused ... of the same features and protections provided by their credit card are also offered with debit cards [more...]

Date: 2008-12-23 16:49:43

Build An “Annuity” Of Websites

A funny thing happened to me the other day. I got an invoice from 1and1, the ISP I first started using for my online business is. Payment had been set to automatically charge my credit card, but I had recently replaced that credit card, and so the invoice wasn’t paid automatically. It seems that I had some domain [more...]

Date: 2009-01-17 19:05:27

Paying By Credit Card At the Gas Pump and Refusing To Use Cash

Oh great - well I hope this article doesn’t foretell or signify a trend that’s going to be widely picked up by the gas industry in the coming future. While they’ve been one of the most credit card friendly industries in the past, some gas station ... to diminishing profit margins caused by higher gas prices and rising credit card interchange fees. [more...]

Date: 2008-06-25 08:39:47

Trends in Business Credit Cards for 2009

Small business credit card trends The year 2008 was a rotten one for the banking business. What began as a “mortgage crisis” mushroomed into a full-blown, across-the-board “credit crisis.” This has led to banks pulling back on all types of credit, but an even greater pullback [more...]

Date: 2009-01-17 22:38:54

Use a Credit Card to Boost Retirement Savings

Mr. GoTo is not a fan of credit cards in general for two reasons ... in trouble. That being said, we do have one Visa credit card.  We use it to earn travel vouchers ... .  Second, card issuers have not treated consumers well, either in not adequately explaining the costs [more...]

Date: 2009-01-16 18:39:38

Keep Watch For The Missing Quarter

How secure is yours? How secure is yours? HARRISBURG PA - Internet chat rooms are filling with complaints from credit card customers nationwide ... : File a dispute immediately with your credit card company; Call Pennsylvania’s Bureau of Consumer ... business with. The company, Adele Services of Melville NY, doesn’t exist, according to a report Sunday [more...]

Date: 2009-01-16 10:40:26

Price-fixing won't help gas retailers cope with higher fees Steve Bartlett, president and CEO, Financial Services Roundtable - Washington USA TODAY's article "Credit card fees eat up gas ... fees on credit card transactions. The proposed solution described in the article is misguided on many [more...]

Date: 2008-07-21 05:36:36

you got punk'd

so word on the street, or shall i say, the underground railroad network of jaded hipster nerds living around my part of brooklyn, ... idea to carry my social security card, credit cards and cash on me in a secure place in case ... teenager, so i decided that i'm going to start carrying a decoy wallet and put my credit card, cash [more...]

Date: 2009-01-17 02:14:00

An Inside Look at Blueprint: Split, Finish and Track It

As we mentioned earlier , Chase has rolled out some new financial tools to help you track your finances and conquer your credit card debt. All in all, these simply amount to fancy ways of looking at your balance – but as anyone who regularly reads personal finance blogs knows by now, the road to a debt free (or at least a manageable amount of debt) is paved with discipline moreso than breaks from credit card companies. Blueprint offers Chase customers some flashy systems for motivating yourself. [more...]

Date: 2009-09-18 11:55:09

Read More Information About IVA inside this Blog Publication

One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]

Date: 2009-09-27 21:55:32

The Seven Steps of Financial Preparedness

The following is a guest post from Marotta Asset Management. When a hurricane threatens, making a plan and gearing up for emergencies is imperative ... . The second step to prepare for financial emergencies is to extricate yourself from credit card debt ... around the country. Ramsey suggests paying off your credit card by starting with the smallest [more...]

Date: 2008-10-13 10:29:04

G. Avoid Credit Repair Clinics

You’ve probably seen ads for companies that claim they can fix your credit, qualify you for a loan or get you a credit card. Their pitches are tempting, especially if your credit is bad and you desperately want to buy a new car or house. Avoid these outfits. Many of their practices are fraudulent, deceptive and even illegal. Some have been caught stealing the credit files or Social Security numbers of people who are under 18, have died or live in out-of-the-way places like Guam or the U.S. [more...]

Date: 2009-07-23 09:02:39

Let me see

Mark Brooks had a Kindle idea which got me thinking: Let me see the percentage of people who have bought a book and actually finished reading it. ( ... of how many times someone has been unfriended. Sort credit card offers based on data from Mint or Wesabe... show me the credit cards with the fewest bankruptcies/financial troubles among recipients [more...]

Date: 2008-07-08 11:06:11

Pensioners hit by spiralling credit card debts forced to take out loans as energy prices soar

One in four people is approaching retirement with thousands of pounds worth of debt because they cannot meet the rising cost of living ... to pay their bills. The average credit card debt for the age group is now just over £8,000, according ... out the first available credit card in 1967 had expected to pay off their debts by their forties [more...]

Date: 2008-11-23 00:05:36

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