Credit Articles

Pregnancy and Family Planning » Credit | By Stephanie Foster @ Saturday, 6th September 2008 @ 12:54 AM

On the whole, a low APR is a wonderful thing. Who doesn't want to pay little to no interest for the money they borrow? But some deals are better than others, depending on your needs. The problem comes quite simply down to balance transfer caps. You're generally paying 3% for your balance transfer, and more and more often that amount is not capped. You may be adding an immediate 3% to your entire balance. What this means is that if your current interest rate is pretty good... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Friday, 5th September 2008 @ 2:05 PM

Some cards offer the neatest options to you the user, things such as rewards, bonus points, specials on travel and of course cash back. SimplyCash is one of the sub-brands of American Express that offers cash back on purchases such as business expenses, gas, office supplies, and wireless services! SimplyCash is also a part of another network called Open Network which allows you to get additional savings from specific companies such as Hertz car rental, Jet Blue Airlines, Fed Ex deliverie... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Thursday, 4th September 2008 @ 7:35 PM

First and foremost, Chase is one of the top brands of credit cards to even bother applying for. Not only do they have really great options and benefits for you the user, but they also have a ton of different cards so you can make sure you apply for the perfect one for your needs. This brand of card offers airline rewards cards, hotel rewards cards, retail rewards cards, gas rewards credit, point rewards cards and much more. Some of the things you have to look forward to with any Chase card is re... more...

Pregnancy and Family Planning » Credit | By Justin Scarborough @ Thursday, 4th September 2008 @ 7:16 PM

Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another line-of-thought that strongly opposes credit cards all together. The primary reason given for this opposition is the resulting excessive credit card debt facing America. It is one of the most serious problems faced by the credit card holders and credit card industry as a whole. However, you can't pull the shutters on the credit card industry just becau... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Thursday, 4th September 2008 @ 9:36 AM

Many of us use credit cards on a daily basis, but what "gold card" is the best card for you? How can you compare cards? American express is one of the most popular brands of credit cards in the world. They have all sorts of different cards for small businesses, businesses, personal and travel. These cards all offer something different for the user. For the travel ones for example, they usually will offer things like rewards programs that will allow you to earn points for every dollar you... more...

Pregnancy and Family Planning » Credit | By Mike McCoy @ Wednesday, 3rd September 2008 @ 10:09 PM

Millions of people have had their credit ruined as a result of foreclosure or job losses in the past few years. This is a serious problem for a lot of people because having a good credit report is more important now than ever before. Lots of employers now check a potential employee's credit report as part of the application process to see if that person is a responsible person that pays bills on time. Almost every apartment or home rental agency will check a person's credit r... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Wednesday, 3rd September 2008 @ 8:01 PM

Thanks to consumers like us, American Express has capitalized on the trust we put into them, majorly. I dont think I know one person who doesnt own an American Express card! This is good for them but good for us as well. Obviously so many people have their cards because they are incredible benefits as well as great customer service. Im sure we can name a few "brand name" companies we have bought stuff from and the customer service is just horrid, right? Well American Express j... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Wednesday, 3rd September 2008 @ 7:56 PM

Everyone nowadays has a credit card or five for that matter. There's so many different ones to choose from with so many different options and benefits. So, which one is the best one for you? How can you find out more information on these cards? American Express or Amex is one of the most popular brands of cards out there. In fact, they have been named the 74th largest company by Fortune Magazine they also have been named most valuable brand in the world, estimating the brand to be worth US$... more...

Pregnancy and Family Planning » Credit | By Carol Bell @ Monday, 1st September 2008 @ 9:08 PM

The credit card has changed the shape of shopping in today's world. Why, since I cancelled my American Express credit card, I have been unable to partake of a wide variety of goods and services, and that is no joke. Without that credit card, I was unable to join the local gym, to order t-shirts off of the Internet, to reserve a plane ticket online - and that is just a few of the basics. It seemed like only a few years ago that cash was the preferred way to get stuff, but those days are long... more...

Pregnancy and Family Planning » Credit | By Helen Hecker @ Sunday, 31st August 2008 @ 5:08 PM

If you're thinking about getting some outside help by way of credit counselors and don't know anything about them, the following tips may help you understand what consumer credit counseling services are all about and what to beware. Basically, counselors can help you get control of your money flow - incoming and outgoing. 1. Credit counseling services can be for-profit or nonprofit. Both types charges fees, however there are some nonprofits that offer free counseling, see tip #3... more...

Pregnancy and Family Planning » Credit | By Helen Hecker @ Friday, 29th August 2008 @ 8:54 PM

Of course you don't want to make any late payments on your credit cards or loans and affect your credit report and score unless you absolutely have to, but what happens if you're unable to avoid it? It all depends on whether you're 30, 60 or 90 days past due. If it's only one late payment you may be able to dispute it and get it removed from your credit report but if it's more than one that may be difficult to do. And it depends on whether it's currently past due o... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Friday, 29th August 2008 @ 6:13 PM

Many people all over the world go away on vacation every year and have the best of times with friends and family enjoying themselves to the full and chilling out in relaxed surroundings. The majority of vacations are taken during the summer months each year and during this time, the tourist industry relies on the millions of dollars generated in this way whether the vacations are taken at home or abroad. Holiday makers never seem to realize just how much money they have spent until they retur... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Friday, 29th August 2008 @ 5:20 PM

Now a days the criminal element is always out there looking for someone, to try steal one's identity. These very criminals want credit card information so they can run up the charges then leave you holding the bags with nothing to show for it. Even though some are local, most credit card criminals are in far away lands. Worse than that, they like to hide or go by other names so it's virtually impossible to track them down. The most common way for criminals to get credit card in... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Friday, 29th August 2008 @ 4:47 AM

Today's small business owner and corporate employee traveling across the country, the business credit card is a key tool for keeping track and managing your expenses. The secret to finding the best one for you is knowing the one which can work as hard as you can. Although some banks will offer you a credit card when you open a savings or checking account, however that dies not necessarily make it the best credit card for your needs, It is important that you take time to look around ... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Thursday, 28th August 2008 @ 8:48 PM

When you own your own business, there are many reasons why you use tour business credit cards. Take for an example, you will probably need to purchase many office supplies like pens, office paper and ink cartridges, or might want to take one of your clients to lunch and hope to ring up a deal. Whatever the reason is to use your card, a business credit card can help you keep your business organized and lead you to a successful business life, if you use your card correctly. Over and over ag... more...

Pregnancy and Family Planning » Credit | By Richard Martin @ Thursday, 28th August 2008 @ 8:13 PM

Who's filing for bankruptcy during 2008? Given that many states saw double digit increases in the number of consumer bankruptcy filings from 2007 to 2008, apparently more people than you'd think. Let's take a look at a fictional consumer living just outside Los Angeles, CA. For purposes of this article, let's call her "Angie." Angie is a 35 year old single mother of two. She was employed as a realtor from 2000 to 2007. During the early 2000s, both home ... more...

Pregnancy and Family Planning » Credit | By Kristi Ambrose @ Tuesday, 26th August 2008 @ 11:13 PM

Some of us use credit cards quite often. We use them for business purposes, personal purposes, emergencies, as well as other things. But did you know that by using certain credit cards you can actually receive rewards back on your purchases!?! Who knows, you might own one of these cards already and you didn't even realize all the cool stuff you could be doing with it! In most cases the rewards you receive come in points. When you get enough points you can spend the points on things like air... more...

Pregnancy and Family Planning » Credit | By Zacharias Allred @ Tuesday, 26th August 2008 @ 9:26 PM

There is a debate about whether it is better to use a debit card or a credit card. Both offer benefits and each card has its merits. Let's first look at the merits of a debit card. 1. The major benefit of a debit card is the fact that when you spend money with it you do not have to pay interest. The money is immediately taken out of your checking account and no debt results. 2. You do not have to carry cash or checks. Debit cards are widely accepted now and even bear the... more...

Pregnancy and Family Planning » Credit | By Zacharias Allred @ Monday, 25th August 2008 @ 9:43 PM

The best small business credit card you can own is the one that you make a profit on. How do you do this? Here are 9 simple steps that show you how. 1. No Revolving Balance. First, apply for a business credit card that you will pay off each month. You can have other credit cards in your business if you need a revolving balance but have at least one card that you pay off each month in full. You have a free 25 day grace period on purchases from your credit card company so you just bou... more...

Pregnancy and Family Planning » Credit | By Nick Makaryk @ Monday, 25th August 2008 @ 4:52 PM

Consolidating your credit card debt is actually one of the smartest decision you could ever make. Credit card consolidation is ideal for anyone who is looking to have better credit now, and in the future. Consolidation is very common these days, and it is actually a sure way to combine your debt and make sure that you never get yourself too far in credit card debt. There is a lot to be gained by consolidating all of your debt into one payment. The biggest benefit is that you will have a... more...