Popular Tags, Blogs, and Videos about credit card

21 Ways To Save Some Cash By Letting Your Fingers Do The Walking

The twin mantras of a great personal finance strategy is to make extra money and spend less than you earn ... your credit card company. If you’re maintaining a balance (and hopefully working to become debt free), call your credit card company and ask for a lower interest rate. The national average is around [more...]

Date: 2009-01-07 06:01:46

Blog posts (71) | Videos (123)

Philippine Congress Tables Proposed Credit Card Interest Rate Cap Law

While the public was distracted yesterday by the deliberations of the justice committee of the House of Representatives on the substance of the ... . They consider any balances left unpaid as unsecured loans, as opposed to other forms of consumer loans which [more...]

Date: 2008-11-26 14:12:51

Don’t Let Debt Become a Burden on Your Life

Many of us enjoy using credit cards. It sure does make life a lot simpler when buying something ... want to consider unsecured consolidation loans to help with the burden of credit card debt ... . The trouble with credit cards is that you have to pay off the debt quickly or interest rates [more...]

Date: 2008-12-23 20:16:38

Membership Has Fewer Rewards

Membership Has Fewer Rewards Posted on January 13, 2009 (0) Comments For credit card-carrying Americans, the latest news from the economic crisis ... . Americans borrowed less because they had to, since credit card companies raised their interest rates [more...]

Date: 2009-01-08 15:00:32

Making Sense of Your Credit Report

by William Blake If you are trying to do the smart thing and take a look at your recent credit report, ... score. There is also credit card counseling services ... you will be extended any credit with a good rate of interest, if you were looking for a debt [more...]

Date: 2008-10-03 16:23:30

Getting Out Of Debt The Old Fashioned Way

Many people these days are struggling with debt that they cannot afford ... excessive credit card debt cut up their credit cards. While for some this may be a much needed thing ... there are debt consolidation plans that sometimes result in negotiated lower interest rates and balances [more...]

Date: 2008-12-26 21:00:36

Bailing Out American’s Credit Card Debt

We have been hearing a lot of talk lately about bail outs.  We bailed out Wall St ... collection agency than Uncle Sam. The end results ... for $16,635 in debt, excluding mortgages, according to Experian.  The average credit card interest rate [more...]

Date: 2009-01-09 08:20:46

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... , come with fees and interest rate charges that are usually higher than your credit card purchases ... an emergency fund will give you peace of mind.3. Pay more than the minimum on your credit [more...]

Date: 2009-01-09 05:34:00

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Debt Management Programs– best way to get out of debt.

A debt management program collectively takes all the loans of various amount and interest rates and forms into a new loan which is released to you. After that, only a single installment is required to be paid every month on a fixed rate of interest. This process is known as debt consolidation. Usually, debtors opt for bill consolidation scheme from the fear of bankruptcy. The problem originates with the use of many credit cards or taking multiple loans from various banks for personal or investment purposes. [more...]

Date: 2009-09-08 05:51:11

3 Little Known Reasons To Stay Away From Debt Consolidation Loans

A debt consolidation loan is often said to be a good way to reduce your debt. The common theory is that you can lower your interest rate, particularly if you’re consolidating credit card debt, and wind up with a smaller payment. This theoretically lets you get the debt paid [more...]

Date: 2008-08-26 20:52:46

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]

Date: 2009-01-15 08:38:53

Federal Reserve Proposes Rules to Implement Card Law

Sept. 29 (Bloomberg) -- The U.S. Federal Reserve proposedrules today that will end banks’ ability to apply credit-cardpayments to balances with the lowest interest rates first,implementing legislation Congress passed in May. The Fed also proposed that creditors obtain consumers’consent before charging fees for transactions that exceed creditlimits. Restrictions on lending to people under the age of 21and subprime credit-card fees were also included, the Fed saidin a statement. [more...]

Date: 2009-09-29 17:59:56

You Say You Want a Regulation?

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

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

another one of those “Thailand” posts

Ok so I’m back to scheming about getting the best exchange rates for my Australian money in Thailand. Obviously, cash is always best ... advances on my credit card and then pay it back to the card pronto pronto to avoid interest charges ... , with 20,000 baht, they make 728 baht, or 3%. To compare that with regular purchases on my credit card [more...]

Date: 2009-01-16 02:29:06

Consumer Groups Blast Banks' Card 'Tricks'

If credit cardholders feel worse off since the passage of the law designed to protect them from banks, that's because they are. An avalanche of new fees, interest rate hikes and other costly changes since the law was signed in May suggest the Credit Card Accountability, Responsibility and Disclosure Act, or the CARD Act, has backfired. [more...]

Date: 2009-09-29 19:40:03

Help a Reader: Funding College

Here's a question I recently received from a reader: Should I take a new Stafford Loan for school, or just put it on a credit card? CC rate is 5.9% Student Loan is 6.8% Each 6 month term will be around 3k. I'm looking at 4 terms to finish. The tax benefits of the Student Loan are interesting, but I'm not sure how great they will really [more...]

Date: 2008-08-26 19:46:10

consolidate debt and climb out from underneath your bills

It’s really sad when I get gas for $2.82 a gallon and think, “Gee, that’s cheap! ... credit card bills need to consider debt consolidation to lower payments or cut interest rates. Creditors ... their costs down as well! Bills.com has a neat debt consolidation center that will help you figure [more...]

Date: 2008-10-22 22:54:11

How Debt Consolidation Can Help Get Your Debt Paid Off

by William Blake Many people opt to get rid of their accumulated debt by recurring to what is referred to as debt consolidation ... you, then it is a good deal. Another option to consolidate your debt, most effective if you have several credit ... rate and transfer all of your debt to that card. You will save a lot of money on interest [more...]

Date: 2008-11-23 14:32:25

A Consolidation Loan Is Not For Everyone - Is It For You?

by Jeffery Williams If you are among the many individual struggling with debt there are a lot of companies who provide consolidation services ... is better then credit card debt negotiation however each situation is different. ... , debt consolidation can also provide a lower interest rate plus the length of the loan may [more...]

Date: 2008-09-23 17:16:24

california home loan mortgage second

Your kids are growing and your house is getting smaller. Thinking big? ... . You won’t regret it. You don’t need any equity, and this loan program will actually allow ... offered with a fixed interest rate for 15, 20 or 25 year repayment terms. If you have credit card [more...]

Date: 2009-01-14 05:07:26

Flat is the new up!

rich, just like it didn’t stop Donald Trump. Instead, it should make you adjust how you control your finances ... : Pay off your debt – list out every penny you owe and the interest rate next to it. Chances ... from the bank. So instead of making the minimum payment on your credit cards each month, pay them off. Spend [more...]

Date: 2008-12-09 04:01:41

Goal Setting: Getting Out of Debt Once and For All

By Nora Dunn It is easy enough to say that you have a goal of being debt free in “x” months or years ... out her credit card and dig an even deeper hole of debt in the name of “treating” herself ... are? A friend of mine has gads and gads of consumer debt – the worst kind, with high interest rates [more...]

Date: 2008-12-16 21:11:59

Fed Slashes U.S. Interest Rate To Basically Zero

Wasn’t the Fed supposed to cut rates in half today, from 1 percent to 0 ... income” no-doc teaser-rate reverse-equity 105% loans that enabled Juan Drywallhanger and his old lady ... $40,000 per year and already buried in credit-card and SUV debt. So, now that grand era can return again [more...]

Date: 2008-12-16 20:54:35

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]

Date: 2009-01-01 08:28:50

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]

Date: 2009-01-02 22:12:26

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, ... for skipping a payment, it may come back to haunt you later. Keep your credit card payments at a level ... . Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates [more...]

Date: 2009-01-10 08:35:57

TARP II: The Wrath of TALF

In normal times the Federal Reserve responds to crises by using teeny, gold-plated hydraulic levers to raise and lower interest rates ... which it will lend up to $200 billion to support the issuance of debt backed by consumer and small-business debt -- such as credit-card loans, student debt, auto loans and loans backed by the Small [more...]

Date: 2008-11-26 15:35:02

Things I Learned When I Refinanced My Home

Some days I feel like a home refinancing expert. I’ve refinanced my home twice in the last three years to take advantage of attractive interest ... , I called my local banks, credit unions, and savings and loan companies. I also checked interest rates ... to the interest rates on many credit cards. In addition to looking for a lower interest rate, people [more...]

Date: 2009-01-15 01:31:07

How To Eliminate Rising Credit Card Interest Rates

By Jim Vrana Interest rates for credit cards keep rising, even after most all other interest rates are falling. These high interest rates, and the debt that causes them, can be eliminated altogether. Beginning until July 2010, new credit card regulations become effective which are designed to protect [more...]

Date: 2009-01-02 02:02:32

Saying Goodbye To Your Credit Cards

September 5, 2008 A situation that anyone would withdraw of their way to not be in is possibly standing knee-deep in a pool of rotten credit card ... cancellation; it is simply because several credit card companies will actually raise your interest rate ... you are with your finances, your credit card use in particular. T was better said that it looks [more...]

Date: 2008-09-05 06:02:39

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

Things You Might Not Know About Credit Cards & Debt Relief

A Legal Thief ? When you get your monthly credit card statement, do you ever look to see what the interest rate is that they are charging you? ... long to mount up debt, especially if you have more than one credit card. Too many credit cards ... credit cards in use in the United States alone. All I’m saying here is be careful and read [more...]

Date: 2009-01-05 17:53:17

Membership Has Fewer Rewards

For credit card-carrying Americans, the latest news from the economic crisis is good, then bad, then good again ... they had to, since credit card companies raised their interest rates even as personal income ... . Credit card and collections companies have started to accept that many Americans are flat broke [more...]

Date: 2009-01-14 19:00:18

Fed to rule soon on sweeping credit card changes

Sunday December 14, 3:11 am ET By Carson Walker, Associated Press Writer Fed might end surprise credit card rate hikes but restrict credit to high risk borrowers SIOUX FALLS, S.D. (AP) -- Credit card companies could no longer boost interest rates on existing account balances if the Federal Reserve adopts new rules as written at a meeting [more...]

Date: 2008-12-14 20:23:19

How to Eliminate Rising Credit Card Interest Rates

Beginning until July 2010, new credit card regulations become effective which are designed to protect consumers against arbitrary increases in interest rates and other unfair practices. There should be doubts however, if these new rules will really help at all. Why would these doubts exist? [more...]

Date: 2009-01-06 18:24:10

Are your APR’s increasing and you have no clue what is happeneing

Credit card issuers have large amounts of power over us, and it seriously is ludicrous. They have the right to significantly jack up our interest rates, lower our credit limits, and even share personal information on us. Credit card sign up applications are extremely one-sided and only benefit one party, the credit card organization. Most consumers are under the misconception that these are legal documents they are putting their name on, but that isn’t the situation whatsoever. [more...]

Date: 2009-09-06 13:11:38

Credit Card Banks 'Rate-Jack' Customers

It arrived in Rich Stevens' mailbox a few weeks ago: the notice that Citibank had "rate-jacked" the Visa cards belonging to him and his wife. Some credit card holders have seen their interest rates go up dramatically, a practice called ... , he said. Stevens said he did not know why the rates had soared; his credit rating is great. [more...]

Date: 2008-12-19 19:31:17

Credit Card Smart

While cleaning this morning I came across a folder with some pamphlets ... the lowest credit card interest rate for you. Control your Holiday Credit Card Debt. Most people are opting ... . Inside was 10 ways to build credit, control credit card spending, and protect your credit [more...]

Date: 2008-12-16 20:30:00

Breakaway from Bad Credit!

No more bad credit! Outtadebt.com has helped thousands of people just like yourself get out of high interest rate credit card debt and other high interest monthly payment loans through their bill consolidation loans. One type is through ... type of loan , in a sense, compared with the popular credit card that everyone seems to have nowadays [more...]

Date: 2008-11-27 17:51:51

50%+ rally in the stock market but situation is getting much worse

We have enjoyed a +50 percent rally in the stock market yet this rally has been unable to create private sector jobs or stem the economic pain for most. Millions have seen their bills skyrocket, credit card interest rates hiked, hour’s cut, wages slashed, and are dealing with an accelerating decline in home prices (FL) and pitiful stock portfolios. In order to get a sustained recovery, consumer spending (70% GDP) will have to rebound sharply, which is not going to happen anytime soon. [more...]

Date: 2009-09-29 12:17:40

10 Tips on Saving Money

Tip 1 ” Although credit cards are a convenient way to pay for things they can lead to trouble if you cannot afford to keep up with the total repayments. Interest on credit cards is often offered at an extremely low rate for the first few months and increased dramatically therein after. Debt can quickly spiral out of control and become unmanageable for many people therefore it is sometimes necessary to consolidate all of the debt into one manageable package by engaging in one small low cost loan. [more...]

Date: 2009-09-19 11:18:31

How A Consolidation Loan Can Help You

by Mike Carbeck Misusing credit cards is the main reason people run into uncontrollable spending and find themselves facing large payments combined ... cards, however this is where the similarities end. These loans will roll all of your credit card debt into one lump loan and will eliminate the individual interest rates that some credit card companie [more...]

Date: 2008-12-03 10:44:44

Credit Repair In Four Easy Steps

If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... the next highest interest rate. Before you know it, you’ll see substantial credit card debt reduction ... credit repair Attorney says that a healthy credit portfolio includes both the unsecured credit card [more...]

Date: 2008-11-27 12:15:18

Debt Relief Available in Many Forms

Getting into debt is so incredibly easy. Just one credit card used irresponsibly or a single financial crisis situation can lead to catastrophic ... . If you have more credit card debt than you would like, but are still able to do so, taking advantage of zero percent interest or very low fixed rates from credit card companies you already know may make [more...]

Date: 2009-01-06 09:43:22

Keeping Your Mortgage Interest to a Minimum

When it comes to buying a home and taking out a mortgage, the fact is that the interest you pay will likely be your biggest expense ... things you may not have thought of. Before applying for a loan, many people close credit card ... their lowest interest rates for those with the very best credit scores and credit histories [more...]

Date: 2009-01-15 02:50:33

Credit Card Day of Reckoning This Thursday?

Most of us are painfully familiar of the tendency for credit card issuers to try and screw us in any and every way possible, ... card (like, say, your interest rate…) if you default on another, completely non credit card related ... all are expected to act on Thursday. Consumer groups say practices of credit card companies blindside [more...]

Date: 2008-12-15 03:05:04

Beware of Debt Reduction Advice

In a recessionary period like the one we are experiencing today there is a natural increase in personal financial turmoil ... associated with servicing such debt at very high interest rates, in particular credit card debt ... , the victim’s debt has actually grown. The credit card company has written off the debt resulting [more...]

Date: 2008-12-12 11:00:20

Scotiabank offers some finacial advice for Canadians

These are some of the items that Scotiabank has offered to Canadians in order to improve their financial situation ... such as higher rate department store and other credit cards. Inform yourself about interest rates and options ... have a financial plan, now is the time to get one that emphasizes debt management and map out your short [more...]

Date: 2009-01-09 09:57:00

Winners and Losers from Current Economic Situation.

In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]

Date: 2009-01-13 06:40:00

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