Credit Check

Writen by Alison Cole

Credit checks are done to determine the credit score of an individual. A credit score is an indication of a person's financial creditworthiness. It is used to verify whether the person qualifies for a loan, or any other credit, based on whether he has repaid his past loans satisfactorily. A credit score is used by banks and other lending companies for estimating how risky the borrower is. In other words, a credit report is a reflection of the past credit history of an individual.

In the U.S., the credit score is based on the FICO (Fair Isaac Corporation) score that is calculated by using some mathematical and statistical techniques. There are also other versions of calculating credit scores such as Beacon and Empirica. A FICO score is based on various factors including punctuality of payment in the past, capacity used (ratio of current revolving debt to total available revolving credit), length of credit history, types of credits used, and recent credits obtained. FICO scores range from 300-850, wherein a score below 600 is considered "bad" while a score above 720 is considered "good". Every U.S. citizen can obtain a credit report from a reporting agency as per the FACT Act (Fair and Accurate Credit Transactions Act).

Credit checks are very useful. Some applications of a credit check are to find out about prospective tenants for renting out properties or to learn about potential employees before offering employment. Credit checks are mostly done by creditors before giving loans.

There are many credit-rating agencies that do credit checks. These do credit checking for individuals as well as corporations. The fee for a credit check ranges from $20 to $1,000, depending on the information required. The three most famous credit-rating agencies in the U.S. are Equifax, Experian, and TransUnion.

There are also independent credit-rating agencies. Information about these can be obtained from the Internet. Many organizations also provide free credit-check facilities when you sign up for any other service with them.

Credit Check provides detailed information on Credit Check, Free Credit Checks, No Credit Check Loans, Collection Agency Credit Checks and more. Credit Check is affiliated with Credit History Repair.

Details Of The Citi Gold Aadvantage World Mastercard Application

Writen by Beth Derkowitz

If you fly American Airlines, have good credit and are looking to open a new MasterCard account, using the Citi Gold AAdvantage World MasterCard application may fit the bill. It is one of several cards that Citibank offers that is designed for people who fly on American.

For each dollar you spend on the Citi Gold AAdvantage World MasterCard, you earn one mile of travel on American Airlines. You can also use earned miles toward hotel accommodations and rental cars. The maximum amount of miles you can earn in any given year is 60,000, but those miles have no expiration date so long as there is some activity on the account once during a three year time frame.

Citicard offers several AAdvantage cards, so it is important to note that the Citi Gold AAdvantage World MasterCard offers 12,500 bonus miles for the first purchase on the card! Its annual fee of $50 is waived for the first year, as well, and this particular MasterCard has no "pre-set spending limit". (All that means is that you can exceed your credit limit on occasion, based on your payment history.)

Currently, the APR for the Citi Gold AAdvantage World MasterCard is 17.99%. For cash advances, the variable APR goes up to 22.99%. If you happen to default on the card, the variable APR can be raised to 31.99%. There are, of course, finance charges for any purchases that are not paid for within the first 30 days, and there are charges for other services like cash advances, foreign purchase and balance transfers.

So, if you travel, want to earn much needed bonus miles, and like the flexibility of having no pre-set spending limit, the $50 annual fee shouldn't affect your decision about applying for this MasterCard. If you pay off your card each month, don't normally spend more than $60,000 on a card per year (which will be the maximum limit of bonus miles you can earn), and like that there are no black out dates for when you can travel with bonus miles earned, you will definitely appreciate the Citi Gold AAdvantage World MasterCard.

For more information or to apply for the Citi Gold AAdvantage World MasterCard, Beth Derkowitz recommends Find Credit Cards.

Share Your Blessings With Charity Credit Cards

Writen by Morgan Hamilton

If you want to contribute some of your blessings to the underprivileged, then you should get charity credit cards. You can show your support for a certain charity with these cards. The concept for this type of cards was created because many people find that they really do not need some the types of rewards that are offered by credit card companies. As a result, credit card companies began to team up with charitable institutions to offer people an easy way to support the charity of their choice. A percentage of the amount charged to a charity credit card goes to the charity every time it is used for a purchase.

A person can feel good every time he or she use charity credit cards. However, while it is nice to donate to charity, this can also be a problem. You see, some people can get carried away with thinking that they are doing good by charging on their credit card. The problem is that they may also be charging themselves into a financial crisis. If people are convinced that they can help other people through this credit card, then they may end up charging more purchases to their credit cards.

If you want to really make a difference then you should compare several charity credit cards to find the one that gives the most to charities. You could also get a credit card that offers cash back and then donate that cash to the charity of your choice. However, you may not be able to find the charity of your choice, even though there are many different credit cards that donate to many different causes. If this happens, you may find a new charity to donate through this way or donate to charity through cash donations. Whatever option you choose, charity credit cards remain very beneficial and the charities of your choice will really appreciate the money that you wholeheartedly donated to them.

A lot of generous people find that charity credit cards are a nice way to use reward programs. This reward program is not a selfish one, but rather one of kindness and sharing. It would be wise to keep in mind that you can always donate money to the charity instead of being compelled to let your credit charges get out of control. You should consider switching to charity credit cards if you are not using the rewards that you are earning through other credit cards.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Charity Credit Cards. Get the information you are seeking now by visiting http://www.findqualitycreditcards.com

When Not To Borrow Money Avoiding The Lending Traps

Writen by Morgan James

Although there are some times when borrowing money is financially a sound option, there are other times when borrowing money will only lead to larger problems. Here are five times that it is unwise to borrow money.

1. When you haven't done your research.

Don't get a loan from the first bank that you walk into. Use the internet as one of your valuable tools to find your best rates. Although a one percent difference might not sound like a lot, on a large loan such as a mortgage, it can equal upwards of $10,000 that you lose. Similarly, it will take you longer to pay back such a loan, and you will be indebted for a longer period.

You want to get your loan from a reputable bank or credit union that you feel comfortable with. If you are uneasy about any of the bank or online bank's practices, then simply choose not to borrow. It's your money: make sure you are dealing with someone you trust. Try asking friends and family for recommendations.

2. When you are solicited.

If you get offers in the mail or in your email to borrow money, don't take them. If you need to borrow money, you will seek out the lenders. It is bad news when the lenders seek you out.

This is particularly applicable to credit cards. Credit card companies often have aggressive marketing campaigns designed to lure in new consumers. People sign up for a credit card, thinking that they have made a good decision, or that they will never use the card. If you use your card and don't pay the balance off monthly, you are paying too much interest. Use your debit card instead. Remember: retail and gas credit cards are also credit cards, and are likely to have an even higher interest rate.

3. When you are offered repeated refinancing.

Don't refinance your loan frequently over a short period of time. You might be charged fees for each time you refinance that will add up over time.

Although it might seem like you are getting a better deal by refinancing your loan in the long term, the short term costs for these changes can be considerable. Often, there is fine print in these agreements that will cost you money.

You want to get a loan from an institution (often a bank or credit union) that can offer you stability and security. You not only get peace of mind knowing what your monthly payments are, you will get a better deal from an institution that is not trying to charge you constant refinancing fees.

Occasional refinancing might be fiscally wise, but be sure that you are dealing with an institution that you trust.

4. From fee-based institutions.

You will have to pay interest on any money that you borrow. You want to pay the least amount of interest possible. See if you are going to have to pay any fees or premiums on your loan. These are often not counted in the interest rate and make a loan look less expensive and more competitive than it really is.

Payday loan companies and cash advance companies are notorious for charging excess fees as well as exorbitant interest rates. Avoid these institutions at all cost. A bank or credit union will certainly be able to offer you better options.

Each state has a lending law which states the highest amount a company can charge you interest. In Canada, this rate is 60%. Charging more than a 60% interest rate is illegal, but many companies try to wheedle their way around the law by charging ancillary fees that they do not count with interest. Of late, there has been a rash of lawsuits against such practices. Don't get involved in the first place.

5. Borrowing your own tax refund.

Some companies purport to offer you easy access to your tax refund, and will loan you the money in the interim. This practice, like payday loans, is predatory and bad for the consumer. You will lose more of your tax refund than you will see of it, so avoid this scam at all costs.

Although borrowing money is a part of regular financial growth, and is often fiscally necessary, you want to avoid being caught in these predatory lending practices. Doing your research is the best way to safeguard yourself against any of these monetary scams.

Morgan James is a financial expert who can help you get financially back on track. Check out all of the information that Morgan has to share on loans (payday loans, mortgages, student loans, and more) at http://www.theguideto-loans.com If you are working to get out of debt, be sure to visit http://www.theguideto-loans.com/debt_management/

Collection Agencies What Do They Do

Writen by Steve Austin

Collection agencies are businesses that collect past-due bills and accounts receivable for other persons or businesses in exchange for a fee. Collection agencies charge for their services one of three ways:

1) A flat fee.

2) A percentage of what is collected.

3) Through a direct sale of the delinquent accounts.

If you are trying to collect a small or medium sized debt, using collection agencies that charge a flat fee are probably your best option - collection agencies that charge a flat fee work just as hard to collect a small debt as they do to collect a large debt.

If you have just a few large unpaid receivables, working with collection agencies that charge a percent of the total debt collected is a wise choice. (usually 25 to 50 percent).

The third option, selling your uncollected receivables at a discount to certain collection agencies is advisable only if you have a very large amount of debt - usually $1 million or more. The selling price is typically a minuscule 2 to 8 cents on the dollar.

Most collection agencies use one of three tactics to collect debt:

1) Letters.

2) Direct contact via the telephone.

3) Litigation.

Typically, collection agencies begin the collection process by sending a series of notification letters, often called demand letters. The final notification letter generally warns the debt dodger that if the past-due account is not paid by a certain date, his or her name or company will passed on to more intensive collections.

Many collection agencies also pay their staff to phone the debtor directly. This direct contact is most useful in turning up the heat on debtors who have identified themselves as having no intention to pay their bill.

Litigation — in small claims court or a full-scale courtroom — is a final option.

Besides sending out letters and making phone calls, some collection agencies also specialize in locating debtors who can no longer be reached at the address or phone number listed on their accounts. To determine whether certain collection agencies offer this service, ask them about their "skip tracing" abilities.

Collection Agency Outsourcing - Outsourcing accounts receivable to a professional collection agency has become a popular alternative to attempting to collect receivables in-house.

Be Smart With Your Credit Card

Writen by Peter Kenny

We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one way is to offer us 0% interest deals.

The credit card companies are offering introductory offers including 0% on balance transfers and purchases for 6 or 9 months, so everything you buy is interest free how great is that! These offers are becoming more popular by the month, the credit card companies realise we will go with these credit cards first and that interest free deals for any period of time is a great way to pull in the customers.

Break free from your high interest credit card…

All credit cards can be interest free if you pay off your full balance on time and at the end of every month, but most of us cannot afford to do this. When the APR comes into force, usually a typical rate of 15-20% will be charged. There are however some better rates about if you are willing to search for them, including a rate of 9% and maybe even lower. Always check what your rate will be once the introductory period is over.

Many credit card holders are using the 0% deals to their advantage. The term "Rate Tart" is used to describe people who transfer their balance from one card on to a credit card that has the 0% deal. This will cut out the interest payments on their existing card, however, you really have to keep on top of this especially if you have more than one credit card, as you do not want to get confused as to when and where your balance transfers are due.

Take advantage of the 0% deals…

There has never been a better time to take advantage of these great 0% deals with the big companies fighting for your business. If you're using the 0% deals for transferring your balance and are intending to use the card after the interest free period, double check the interest rate once the introductory period is over as it may be higher than the card you have.

· Switch your balance to a 0% deal
· Check the APR that will be charged when the 0% deal is over
· Start searching for a new credit card 4-6 weeks before your existing deal runs out

For credit card advice please visit here http://www.creditcards-gb.co.uk/creditcardadvice.html

0% deals are great as long as you watch what you are doing. The more cards you have the more chances are of getting transfer balance dates confused, but if you have a good head on your shoulders and are well organized then you will benefit greatly.

Peter Kenny is a writer for creditcards-gb For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.creditcards2go4.com

Selecting The Best Reward Credit Card Company

Writen by John Mussi

So you finally managed to come to a decision on the type of credit card you plan to apply for and you ended up with one that gives you reward points instead of low interest rates. But wait, your work isn't over yet - there's just one last thing to do before swiping time. And that's selecting the reward credit card company that's ideal for your wants and needs.

The selection process can be achieved in several, trouble-free steps.

Step 1 - Consider Only Reputable Credit Card Companies

Okay, it's obvious that reputable credit card companies have more requirements to demand from you and there's a lesser chance of passing but it's equally obvious that there are more advantages to enjoy when you do get to own a reward credit card from a reputable company.

Among others, there would be more stores who'd accept your reward credit card, you'll be probably paying a lower interest rate compared to others and the service is sure to be more reliable.

Step 2 - Consider the Rewards

Rewards, are, after all the very main reason why people apply for reward credit cards. Hence, it's only quite logical that the type of rewards being offered would figure prominently when you consider which reward credit card company you should apply to!

And because there is literally a great deal of reward credit card companies who are eager to offer their services, never ever settle for second best. Go for what you want and nothing less!

Step 3 - Consider the Time Given To Earn Points

How much time are you given by the reward credit card company to earn and save points? This is an essential aspect to consider because if the time given to you by the reward credit card company is limited, you might be stuck with earning little prizes for the rest of your life.

Step 4 - Consider the Reward Credit Card Company's Affiliates and Alliances

Let's just say that your reward credit card company has close ties with airlines but unfortunately, you have a phobia of flying. That wouldn't do any good at all, would it? So do choose a reward credit card company with affiliates and alliances that would also be beneficial to you.

Step 5 - Consider the Interest

There may be times that you'll be unable to pay your credit card bills on time and which means you have to contend with the interest rates. Make sure however that you're not paying more than you should.

Step 6 - Consider the Reward Point System Used

Overall, how is the reward system of the credit card? Are they quick in providing customer support?

Step 7 - Consider Consulting with Friends

A second opinion should never harm anybody because you're just trying to be safe than sorry.

Step 8 - Consider for the Very Last Time

Thinking hard is better than not thinking at all.

Step 9 - Choose and Apply.

Step 10 - SHOP! And this is the ultimate point of owning a credit card, isn't it?

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Identity Theft Dont Think You Are Immune

Writen by David Wilding

As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.

First, we hear of the troubles of Choice Point, a company involved in the storage and distribution of credit information. It appears some criminals set up a fake company and used it to obtain sensitive credit information. Then in turn they used it to steal the identities of about 750 people. That number will probably grow, since more than 500,000 people across the country have been put at risk.

Second, comes the story about missing computer tapes containing credit card records of more than 1.2 million of Bank of America cardholders. Most of the accounts belonged to federal government employees. This has placed the account holders in danger of increased risk of identity theft.

Both of these companies are now in the process of notifying the people of their exposure. The truly bad part of all the problems is these leaks and losses occurred months ago. These two companies were not very quick in notifying the people affected. Way too much damage could have been done before they had been alerted to the trouble.

While the headlines may change, the need to check your credit report does not. You may be very careful. You may shred your documents, the credit card and other financial solicitations you receive in the mail. You may take great care how and where you give out your financial information. Unfortunately as these stories show, it may not be enough.

Identity theft affects about 10 million victims per year. It has been estimated to cost consumers and businesses more than 50 billion dollars a year. It is easily among the fastest growing categories of white collar crime. You need to do all you can to fight theft of your identity.

A new law has been put on the books by the Congress to help combat the losses. It allows the you, the consumer to request a free credit report from the credit agencies once a year. You should not hesitate to take advantage of it. However, the law has a rollout feature which does not allow full access for all Americans until September 1 of this (2005) year.

While this is a step in the right direction, in typical fashion the government continues to leave the populace exposed. You should access your credit report much more often than once a year. If an identity theft takes place just after receiving the free credit reports, an enormous amount of damage can be done before you can review your next free report.

The Federal Trade Commission has put together a list of questions and answers concerning this new law and the effect it will have on your credit report and your risk of identity theft. They can be helpful to you in determining your rights under the law

It makes sense to check your reports regularly, as often as, on a monthly basis. This may seem a bit much to you, but just ask a person who has had their identity stolen how much hassle it is to take your life back. They will tell you it is well worth the effort. Let's face it, no one cares as much as you, about your credit record, and the damage that identity theft could cause in your life.

(c)2005 David Wilding

David Wilding has for the past ten years worked with groups and individuals to rid their lives of debt. Visit his website for more ideas, tools, and strategies to get rid of your debt.

Accepting Credit Cards Over The Phone

Writen by Joseph Kenny

There has been a huge growth in the number of cold calls, and unsolicited offers that people receive on their home and business phones. The process can be very intrusive and frustrating and is the subject of a growing number of complaints. Many of these calls come from phone companies, especially mobile phone providers but they are also for new windows, for insurance and for credit among other things.

If you are offered credit over the phone, it can be quite tempting, especially if you have poor credit or have had difficulty in getting credit in the past. However, there are some risks involved and you should be careful. The primary concern with these types of calls is that at the end of the day, if you are the recipient of the call, you do not know who is calling you. Just because someone says they are from a respectable bank or credit card provider does not necessarily mean they are, and you should accordingly be cautious about what information you give out over the phone. Of course, if you have made the call, or have requested it from a reputable lender, then this will be far less of a concern.

Do not, under any circumstances, be pressured into giving out sensitive information over the phone or accepting credit if you are not comfortable doing so. If you do think you want to accept a phone offer for credit, then give out as little information as possible over the phone. They will probably need your address, but any other information can be sent to them through the post, in an application form. You should become very suspicious of anyone who calls you and starts asking for your payment details, bank account number or any other similar information. If they are a genuine company, then they should be more than happy to send you an application form through the post.

Also, make sure you ask who you are speaking to and which company they represent. Ask them for their website address so that you can look up the company on line. Also, when the application form does arrive by post, read it carefully and satisfy yourself not only that the offer is one you would like to accept, but also that the company is one that you would like to be dealing with. Finally, look at the address carefully and make sure that it all appears above board.

Joe Kenny writes for CardGuide.co.uk, offering the latest information on credit cards, visit them today for more best buy credit cards.
Visit today: http://www.cardguide.co.uk

Credit Score Basics And The New Credit Score System

Writen by Deb C

What is a Credit Score Report?

One of the first steps in repairing or improving your credit score is to find out what your current credit report looks like. A credit report is a detailed report generated by a credit bureau for a prospective lender. This report includes an individuals debts and the timeliness of their repayment, employment and residence history, any judgements, tax liens, or bankruptcies. Based on this information, a credit score is determined which is a number from 400 for a low score and 900 for a high score. Credit scores are used by lenders to determine if you qualify for a loan or service. The lenders use these scores to estimate the amount of risk they maybe exposed to by providing you with their services. Basically the higher your score the less risk you represent to the lender.

Where can you get a Free Credit Report?

A Central Source has been setup for you to request the free reports. You can contact the Central Source at: www.AnnualCreditReport.com or by calling 1-877-FACTACT. The Central Source makes the reports available to certain parts of the country during certain times of the year.

Also, there are three nationwide consumer credit reporting companies where you can purchase a copy of your credit score report. These are:

Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.transunion.com

It's a good idea to purchase the Credit Score Report along with the free Credit File Disclosure report to get an overall picture of your credit profile.

New Credit Scoring System

A new credit scoring system called "VantageScore" has been designed to make it easier for financial institutions to assess loan applications and also give consumers an easier way of measuring their credit worthiness.

The three credit agencies each have been using their own formulas to generate their own credit scores, so lenders would have to reconcile three different scores when dealing with a consumer's application for credit.

Now, using this new system, only one formula is used to create the scores for all three credit bureaus, so the scores will be virtually the same. This will provide a highly consistent score that is easy to understand. The scores will range from 501 to 990. The high end is slightly higher than scores currently in use. The scores will be grouped in a way similar to academic grades. For example:

A -- 901-990
B -- 801-900
C -- 701-800
D -- 601-700
F -- 501-600

The new score is expected to reduce the fluctuation in a consumer's scores by an estimate of 30 percent compared with the old method.

This article has been provided courtesy of http://www.RefinanceBadCreditNow.com RefinanceBadCreditNow offers great information and resources for people with bad credit where you can find information on Credit Reports, Debt Consolidation, Auto Loans, Mortgages, & more.

Tired Of Being Brokelearn How To Force Banks To Give You Money

Writen by Cornelus Postell

Imagine...obtaining credit that's incredibly easy...opening doors of opportunity you never even considered being possible. Credit which will allow you to take the dream vacation of a lifetime, drive luxury cars, dress in the latest fashions, achieve the American dream of owning your own home, or even start your very own business. With these time-tested proven step by step strategies, all of this can now be possible!

Credit can be your #1 asset or your worst enemy. The trouble is, it can be a very stressful experience when an unsuspecting person find out there's something wrong with their credit. One minute you feel you can buy up the world, and the next minute, you're told your credit is denied! All of a sudden, your credit is not as welcome as someone who still has their good credit. It's a situation that affects so many, especially when applying for new credit.

Without good credit, people soon discover it's difficult to live without the necessary items that are needed. Unless you know how to improve, increase and repair your own credit, you will have to overcome many obstacles. Items such as new cars, houses, even rental properties and job placements can become very difficult to obtain. However, it doesn't have to be this way! This is why it's so important to know how to use your credit- no matter how good or bad- in your favor!

Bankers and lenders in certain geographic areas usually will turn to one credit reporting agency. There are many, however, that subscribe to more than one. That can work in your favor because in many cases your complete credit history will never be accessed by a credit bureau located in another area.

By applying for credit through banks and lenders that subscribe to a credit reporting agency outside the area, there's every reason to believe that some damaging information will not appear in your file. Remember, the only way bankers and lenders can survive is to extend credit to consumers. Especially in today's times! By taking a few easy steps to sidestep one credit report that has negative entries, and taking advantage of another that show you're a good credit risk, creditors will practically force hard cash into your hand. Here's how:

1. Obtain a credit report from anyone of the credit bureaus to determine if there are damaging entries that might cause your credit application to be denied. By checking your credit from all of the credit bureaus, you can determine which one is your best option.

2. Call several banks and lenders and ask the receptionist, etc., which credit bureau they use in their application approval process. If the individual tells you they don't know, ask them to find out.

3. Select a bank or lender that subscribes to a credit reporting agency other than the one typically used in the area. This will ensure that you have the most favorable information readily available to check.

4. Obtain a credit report from the credit reporting agency that your selected lender uses. A simple process that can be easily done on the Internet.

5. Repeat step number 4 until you find a report that is most favorable to you and shows the least negative entries.

6. The only thing left for you to do is apply with that bank, lender, or other creditor that subscribes to the credit bureau that has the credit report most favorable to you.

Your credit file could list multiple damaging information in one credit report, but never show up in another! By obtaining your credit reports in advance, you will definitely know which lender to approach for credit. All you have to do is ask! By establishing a strong credit background, you'll be able to enjoy life, without any worries of being declined, getting the things you want! Just think...no longer will you'll be embarrased or turned down because of bad credit. The choice is all up to you to do it!

About The Author

This free article is courtesy of Cornelus Postell. Cornelus is the author of "Money Solutions That Works!", a proven time-tested selection of personal finance information and ways of gaining personal financial freedom. For more free information check out http://www.solutionswerks.com

Airline Credit Card Who Needs Them

Writen by Robert Alan

An airline credit card is one which rewards purchases with air travel miles or points which can be redeemed for them. Airline credit cards ideally fit a certain user profile. Typically users of airline cards are financially well off and travel frequently. But who else needs them?

Ideal Airline Credit Card User Checklist

Before deciding to go for an airline credit card you should check your credit history. If it is perfect or almost perfect, you can check off one of the requirements of the ideal airline credit card user checklist. If you pay your credit card debt on time, you fulfill the second requirement of the checklist. It is also important that your debts on other credit cards and other bills are paid one time. You are a big spender, and spend it through your airline card. Most importantly, the travel miles are useful or important to you.

Reasons for the Airline Card Checklist

Airline cards usually charge higher interest than ordinary cards. If you are not timely in your credit payments, you incur a lot of interest. Also if you do not have excellent credit ratings, you fall into a higher interest bracket and do not qualify for the lower APR credit cards. This makes airline cards very expensive to own. It is also important to pay other debts regularly, since the rules link you credit ratings across debts. What this means is, if you have a bad credit rating in relation to another credit card you own, it affects your credit rating in the airline credit card and you may have to pay a higher rate of interest.

If you are not a big spender and do not spend much through your airline card you will not earn enough miles to travel by air for a long time. If travel isn't interesting to you or is not incidental to your line of work, you may be better off looking for a low APR credit card.

If you do purchase an airline credit card, make the most of it, by using it whenever you shop. Also use your airline miles at the first chance you get. It is better to use your airline miles for long flights to make the most of them. Airline cards are used best when they are redeemed for airline miles. It is generally not worth it to redeem your airline card on other products.

Airline cards vary greatly in terms of their bundle of offerings. There are different APR's and differing credit requirements (but you must have good credit). Also some airline credit cards offer bonus air miles. Different annual fees are charged. Bank sponsored airline cards allow you to redeem your air miles through a number of airlines. With airline sponsored cards you have to patronize the issuing airline. An informed purchase of your airline credit card can lead to smart savings for some, and free holidays for others. Remember to combine the informed purchase with smart usage of your airline card. If you can choose and use your airline credit card wisely, the only negative effect you can expect is jet lag.

For more information on airline credit card offers, Robert Alan recommends that you visit CreditCardAssist.com

Using A Credit Card To Fund Your Business

Writen by Peter Kenny

The spate of credit card offers and leaflets that most of us receive through the post or in our daily newspapers, which promise us unlimited spending power and in some cases blank cheques, has threw up a major surprise and that is the way that small businesses are using personal credit cards that you or I use for granted in our daily personal use, to finance their business practices.

Many are doing this to the tune of almost £2 Billion a month and this is not getting spent on business expenses that they can claim back from the company coffers. The biggest uses are travel or entertainment. The personal credit cards are being used to fund the workings of the everyday running of the business and in some cases the company car is being charged to the credit card.

This has all come about because of the easy access to credit card lenders funds, which are put under our noses at every turn. You cannot even go to a supermarket or shopping mall without being accosted by some credit card sales representative offering you the chance of spending someone else's cash.

So all in all it is hardly surprising that many people who either have to fund a small business or wish to start one, would feel this to be an easier road to go down, rather than sitting in front of the local friendly neighbourhood bank manager and having to explain all the little details on why you need a loan, while asking you to offer up guarantees. The guarantees enable them to be able to get their cash back and this could mean putting your home up as collateral if it all backfires.

So all of this makes the applying for the credit cards the easy option, as it quite easy to apply to credit cards and see yourself with a spending power of thousands and thousands of pounds with an amount as much as £50,000 easily attainable. So much easier than applying to the bank for this amount of backing! There a simple reason for this and that is that the bank, even if you think that they are killing your business plan, have to look at all the pros and cons to your claim and will access things that may even go wrong that you have not even considered or put into your business plan, before they will loosen the purse strings.

By doing this, the banks are also protecting you, yep that's right protecting you from any irresponsible borrowing that may lead to you falling into a debt that you simply cannot find away out of. By going to the bank, you will be protecting yourself personally and if you are going the way of a limited company, with the assets of the business alone being the sole contributor of any debts owed, where as if you go down the personal credit card route, you will in no doubt find that a couple of big burly bailiffs, will come a Knocking at your door and start taking stock of you and your families belongings and that would be a tad more harder to take than a NO from your bank manager.

Useful contacts:

Debt Advice-http://www.adviceguide.org.uk/ Credit Card Advice-http://www.creditcards-gb.co.uk

Peter Kenny is a writer for creditcards-gb.co.uk. For additional articles and an extensive resource for everything about credit cards and loans, please visit us at creditcards-gb and moneywize

Business Credit Cards The Cards That Can Make You Rich

Writen by Morgan Hamilton

Owning a business could be one of the most lucrative concepts an individual can engage into. It gives them the freedom to choose the kind of strategies that they need in order to achieve success. It provides them the opportunity to grow financially, emotionally, mentally, and morally.

However, putting up a business is not easy, especially if a person still lacks the necessary capital for his or her chosen venture. Some problems generally affect the creation of a business. An example of this is a business wherein after using up all the available capital, they still need more funds to support its expansion.

These simple things are the very core why most credit card companies have come up with the so-called business credit cards.

Business credit cards are tailor-made for businesses only, whether big, small, new, or old. Its main function is to provide the business an access to easier credit especially when the company needs to buy some materials for the business.

Moreover, business credit cards are considered as important tools in business because it is through these plastics that a particular venture can build its credit history. It is a well-known fact that in the market, it is extremely important to have a credit history. Otherwise, one's financial future is doomed forever.

The Advantages

Business credit cards are generally advantageous to almost all of the businesses. Unlike personal credit cards, the overall transactions of the business credit card are all patterned after the company's name and not on the name of the owner.

In this way, the company's credit history is instantly established, making room for the many benefits that credit can bring.

Businesses credit cards are also known for their ability to provide reliable records of transactions. Through this, the business will be able to track down each kind of transactions. Hence, it would be easier to allocate each transaction when enumerating them when filing taxes.

It can also provide the best money management technique. With transactions that can be traced at any time, the proper flow of money will be maintained.

In fact, 7 out of 10 business experts contend that transactions using business credit cards are easier to locate than those that were made through their checking account. They said that with their checking account, there are instances that they fail to record (manually) the transaction; hence, errors are inevitable. However, on credit cards, everything is printed out completely in every monthly statement.

Best of all, business credit cards are also known to provide necessary "perks" to their customers. Some cards provide extra cards for the employees that can be either free or less expensive than the usual personal credit card. Business credit cards can also provide insurances on accidents incurred while on travel.

All of these things can be enjoyed by every entrepreneur. The only important thing to be remembered is to pay all of the dues on time in order to maintain a good credit standing.

Some Reminders…

Indeed, business credit cards can offer businesses more reasons to smile. However, like any other credit cards, business owners should always keep in mind that the convenience that cards can give should be equaled with the responsibility.

Every businessperson should know that credit cards are built for emergencies and not as an extension of the company's finances. If used otherwise, business credit cards can do more harm than good. Therefore, it is best to always use credit cards wisely.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Business Credit Cards

The Top 3 Discover Credit Cards

Writen by Eric Wasselman

Discover credit cards are another popular credit card. The top three cards according to online research are the Discover Platinum card, The Miles Card from Discover, and the Discover Platinum Gas card. All discover cards can easily top the list based on criteria used to select the top three.

Discover Platinum card

All new Discover card holders get started at 0% APR on purchases and balance transfers. This rate is for one full year; however after twelve months the regular rate is 10.99%. This card has no annual fee for using it, plus users have the benefit of knowing that there is a zero dollar fraud liability protection.

A five percent cash back bonus is available for some purchases with the Get More Program. The Get More program never stops as long as you use the card. Some purchases earn one percent cash back. Redeem your points for gift certificates and cards and you double your rewards, that is, if your reward was Thirty dollars it become Sixty dollars.

The Miles Card from Discover

This card allows new customers to earn a twelve thousand bonus miles on signing up. The Miles Card from Discover, like most cards currently, offers a 0% introductory APR as an incentive to sign up. The introductory period for this card is twelve months, but after this time the regular APR of 10.99% becomes applicable.

The Miles Card has no blackout dates so customers can use their rewards to travel anytime.

Discover Platinum Gas card

This card gives a five percent cash back reward on gas purchases. Purchases and balances incur no interest for twelve months, however the regular APR rate is 10.99%. There are also no annual fees attached to the card. Card holders are also safe from fraud liability if the card is stolen or lost.

To apply for these and other Discover credit cards, Eric Wasselman recommends Find Credit Cards.

Five Tips To Raise Your Credit Score

Writen by Rachel Oliver

You benefit by having a good credit score. Lenders give you lower interest rates on mortgages, car loans and other financial products.

Any time your credit score falls below 620, it becomes difficult for you to get loans with reasonable terms. In such a case, you need to undertake credit repair to improve your credit rating. There are simple ways by which you can raise your credit scores and undertake credit repair. Let us have a look at them:

*Check your credit report - Ensure that you regularly get your credit report. If you notice any irregularity or discrepancy in the credit report, immediately report to the credit bureau to have it corrected. Once corrected, it will raise your credit score. Ensure that your credit report comes from one of the three major credit bureaus: Experian, Trans Union or Equifax.

*Pay bills on time - Ensure that you pay your bills on time. 35% of your credit score is dependent on your payment history. The current or recent payment history has more weight than that of three years ago. Remember, missing one payment affects your credit score by 50 to 100 points. Timely payments are the best way to rebuild and raise your credit score.

*Pay down your debts - Your outstanding balance on your credit card is reported once a month to the credit bureaus. To them, it does not matter if you pay or carry your balance forward every month. Credit bureaus, generally, do not bother whether you are carrying balance on your cards or not. What matters is that there is a lot of gap between the amounts of debt you carry and your credit limit. The more wide the gap, the better your credit score. The less you charge on your card, the more it will raise your credit score.

*Do not close old accounts - Most people close old accounts they are not using. This used to make sense, but with today's system of scoring, this actually hurts your credit score. Closing these older accounts, in effect, lowers the total credit available to you and this causes the balances you have, to appear larger when calculating credit scores. Closing of old accounts also shortens your credit history, making you appear less creditworthy.

When faced with a case of Identity Theft, you would tend to close your old or paid off accounts. This may lower your score minimally, but by not closing your old accounts, you raise your credit score.

*Avoid bankruptcy - This is a sure shot way to destroy your credit score, as much as by 200 points. A bankruptcy gets reported up to 10 years. Avoid bankruptcy at all costs.

Credit repair is necessary for not only getting loans and credits but also to get them at a good rate. You need to keep your outstanding debts at bare minimum and pay your dues on time to enjoy a healthy credit rating.

Rachel writes for several directories on finance. Read more of her work at: Quick Loan Resource and Credit and Debit

Tips On How To Apply For A Credit Card

Writen by Morgan Hamilton

Deciding to apply for a credit card is not a decision you should take lightly. Many stores try to get you to impulsively apply at the register, and you should never agree. Credit cards can affect your financial situation for years so you should certainly think before you act. If you want to apply for a credit card, there are a few steps you should take beforehand.

Evaluation

Before you apply for a credit card, you should do an evaluation of your finances. Get a free credit report and make sure everything is accurate. You will want to know what your credit score is so you will know which cards to look at when you apply for a credit card. If there is anything unusual or incorrect on your credit report, deal with it immediately. Many people never look at their credit report, and therefore have no idea what may or may not be on it. It is important to clear up anything incorrect on your credit report before you apply for a credit card.

Research

After getting everything strait with your credit report, you should begin researching. Research cards that fit your credit score. Make a list of important characteristics you want in a credit card. Look for the best deals in several areas. Before you apply for a credit card, you should make sure you understand everything about the card and the company's policies. Look at the interest rates, rewards programs, and other characteristics.

Be wary of great introductory offers. When you apply for a credit card, many companies will offer you fantastic introductory deals. It is great to take advantage of these deals, however you should be sure that the terms won't change unexpectedly after the introductory offer time period is over. For example, you will need to know what the interest rate will be after the offer before you apply for a credit card.

Conclusion

Once you find several credit cards with terms that you understand and like, categorize them by your choice. Apply to one at a time. If you only need one card and apply to three, you run the chance of getting approved for all three. This will not only reflect on your credit report, but also give you the inconvenience of canceling two of them. So, be patient and wait for a response.

When you apply for a credit card, you are vowing that you will be responsible financially. Deciding to apply for a credit card means that you know you will be able to pay the balance off in a timely manner. If you are not sure of your ability to pay, you should never apply for a credit card. Be responsible, examine, and research before applying!

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Apply for a Credit Card

Managing Your Credit Card Online

Writen by Peter Kenny

The Internet is growing in importance in all fields of commerce, and this is being reflected by the way in which credit card companies are now dealing with their customers. You can achieve more and more of the transactions and business of life online and it is fast becoming the preferred means of conducting trade and transactions of all types.

There are very few credit card providers operating these days who will not allow you to interact with the company through the internet. You can start right from the beginning with your first application online and then once you are approved you will also be able to manage your credit card account online also. This means that you will have full access to all of the information in your account and will in many cases be able to up date and amend the information.

Check online at any time…

Also, you will be able to check how much you owe on the card and more importantly, where you have spent the money. You will have full access to your monthly or weekly statements and can see where and when each transaction was made, what was purchased and how much it cost. You will also be able to see how much of your balance you have left to spend.

As well as all of this information you will be able to pay money into your credit card account or pay off your credit card bill if you want to. You can also transfer money out of your credit card account, change your pin and do everything necessary to manage your account. You can do this faster and with a lot less hassle than if you were forced to get in contact with your credit card company by more traditional means such as telephone or mail. The amount of time and effort that this saves is a huge benefit to both credit card companies and customers alike.

The main advantage…

One of the main advantages to managing your credit card online will be that you always know how much you owe on the card. This will give you the benefit of allowing for you to plan for repayments and budget more effectively. This will make it easy to keep on top of all payments and avoid getting into credit card problems before they happen and thus avoid penalties and other charges.

In most cases you will have to register to manage your credit card on line. This will probably mean filling out some online forms and probably over the phone as well. You will have to remember your login identification and password. However, the benefits and convenience of being able to manage your credit card online far outweigh the time and effort that it takes to set up the system.

Peter Kenny is a writer for creditcards-gb For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.creditcards2go4.com.

Bad Credit Need Money

Writen by Peter Emerson

Failing to pay debt on due dates or by a specific time is the main reason for experiencing a bad credit rating. Individuals with bad credit ratings have very few options in obtaining a loan. Bad credit mortgage loans are especially intended for people with a bad credit rating. There are quite a lot of mortgage loan providers who are willing to give loans to peoples with bad credit. A bad credit mortgage is specifically formulated for people who cannot get a mortgage from a high-end mortgage supplier. Bad credit mortgages are always available at a higher rate or for a lower maximum amount because of the higher risk that the loan owner might face.

Bad credit payday loans seem irresistible and alluring, as they offer fast money. You have to give the lender a post-dated, signed check in return for a loan. Almost all payday loan companies provide a nominal loan, ranging from $100 to $500 for individuals with bad credit. People with bad credit should apply for a loan from standard lenders, online or local to see if they qualify, and what the interest rates will be. One thing to keep in mind is not to apply or join any membership that asks for a membership payment.

The most important thing to consider when applying for a personal loan if you have bad credit is not to opt for a loan that will put you in worse financial shape than you are already in. You can also ask your family, friends or associate to give you a loan on short-term basis. If they agree, give them signed statement with the repayment terms carefully outlined. The best thing to do is give a written explanation regarding your credit history and how you plan to rectify that bad credit history.

Need Money provides detailed information on Need Money, Need Money Fast, Need Money Now, Bad Credit Need Money and more. Need Money is affiliated with Business Plans.

Why Go For A 0 Intro Rate Credit Card

Writen by John Mussi

Although really, the question should be, why shouldn't you go for a 0% intro rate credit card?

Before we dig into that question however, let's first concentrate and the merits of having your own credit card. Indeed, a lot of people who have never owned a credit card in their whole lives tend to disparage the necessity of owning one, saying that credit cards would just push you to a life of heavier indebtedness but really, how would they know that if they haven't yet tried owning a credit card?

Indeed, owning a credit card could lead you to being heavily indebted but that's only if you allow yourself to spend more than you should. It's not the credit card company's fault if you tend to spend beyond your credit limit, is it? And do consider the advantages of owning a credit card as well. There are a lot of instances that you find yourself short in cash. What do you do next if there's no one at the right place and time to lend you money? But you see, you don't have to worry about that when you own for yourself a credit card.

Besides that, owning a credit card also allows you to purchase something you truly love or desire but is beyond your present means. And after purchasing the object of your desire, you can simply opt to pay for it by installment! Without a credit card, you wouldn't be able to buy yourself a brand new mobile phone because it's way beyond your budget. But you need and want it now! Well, with a credit card, that dream can easily turn true.

And now, we turn to the focal point of our article: a 0% intro rate credit card. There are many types of credit card to choose from but we're concentrating on the 0% intro rate credit card because we believe it could be of benefit to you especially if there are some things that you want to buy but are quite expensive.

With that particular situation, a 0% intro rate credit card would be most advantageous because it would allow you to purchase what you have planning to purchase for quite a long time now and pay for it in installment without having to worry about exorbitant interest rates!

Make sure however that you get to pay for the full amount of your purchase well before the intro period is over so that there's no need to get anxious about the interest rates.

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

The Importance Of Small Business Credit Cards

Writen by Jeremy Biberdorf

Small business plays a vital role in today's economy. It is now easier than ever to establish a new business. According to the US Small Business Administration, small businesses pay over 45% of the US private payroll. Small businesses also employ over half of all private sector employees and provide 60-80 percent of new jobs over the past 10 years. With about 28.5 million small businesses in the US alone in 2005, virtually all financial institutions now offer small business loans to qualifiers for a percentage. So why apply for a small business credit card?

Keep Track of All Your Small Business Expenses

The first and most obvious reason for a small business credit card is to separate personal finances from business related purchases. With your small business credit card, you can make all your transactions by phone, internet or in person. Then get periodic statements detailing all of your business expenses.
Business credit cards are accepted virtually everywhere that you shop. Covering business purchases with employee's personal money can get very messy. So instead of relying on cash, use a business credit card. Most credit card issuers offer a credit limit for employee cards as well as different methods to monitor how the card is used.
You no longer have to dread the year-end nightmare of trying to track where and when you spent your money. It's like having all your book-keeping done automatically for you! In a digital world, why should your business have to collect every last printed receipt?

Establish Your Small Business

A credit card with your business name on it gives your business credibility. A business credit card looks a lot more professional than paying from your own wallet. It also gains the respect of financial institutions. Just by owning a business credit card, your business can build credit. So when you need that business loan, you will get the best interest rate and qualify for higher amounts. As your credit builds you might also qualify for a lower interest business credit card.
So even if your business doesn't have a 6 figure budget, a business credit card could help your business grow. You never know when your business might suddenly need extra money. Office equipment might need immediate replacement. Without a business credit card, financing could drastically interfere with your daily routine.

Earn Rewards with a Business Credit Card

You can also save money and earn rewards. Certain business credit cards give you cash back on all your purchases. Other cards give you varying cash back percentages depending on where you shop…gas stations, grocery stores, office supply stores, etc. A cash back business credit card is a great way to increase your profit margin.
Other cards give you airline travel rewards just for using your credit card. For instance, if your company has frequent business plane trips, then small business credit cards that offer travel miles, hotel accommodations or travel insurance are most suitable. This type of credit card could give you travel discounts, free flights, free companion travel or upgraded flight seating.

Not only does a small business credit card provide convenience and rewards, it also helps to build business credit for the future of your company as you watch it grow! Research the business credit cards available and find the card that best suits your business needs. Finance your business for today and tomorrow.

Jeremy Biberdorf writes for http://www.smallbusinesscreditcards.net - a directory of business credit cards from top issuers such as American Express, MasterCard, Visa, Advanta, Chase and CitiBusiness. Compare Business Credit Cards

Credit Reports Guide

Writen by Mansi Aggarwal

Big and small loans have become quite a commonplace these days. Borrowing money has also become quite frequent with the advent of credit cards. As more and more people are banking on loans and other money borrowing techniques to accomplish their tasks, in order to save themselves from deceit banks and other money lending organizations have started enquiring about the individual's history first.

The information so sought by banks and such organizations is in the form of a credit report. For any lender/s a credit report is the ideal way to determine a person's creditworthiness. A credit report is a document that lists the concerned person's credit history, employment and residence history. The personal details so mentioned in the report are the details filled by the person in his credit application. The report is created and updated using information from banks, traders and other creditors. Credit report also lists any judgments, tax liens, bankruptcies or similar matters of public record entered against the individual. In simple terms the report also records the number of times your credit report has been sought whether by a lender, service provider, landlord or employer which remains for up to two years.

Reflecting on a person's past credit structure, a credit report thus enables a creditor to assess the ability of a person to repay the loan or make timely payments. This makes it easy for him to decide whether the loan is to be sanctioned in favor of the person or not.

But the fact is that a credit report can never be made available to any organization without the consent of the person being reported on. Moreover there are times when reporting agencies refuse to provide credit reports or investigate credit disputes, saying that they cannot identify the consumers. They ask the consumer to mail the copies of ID and utility bills or any other important documentation. Also for men and women in military it is even more difficult to get their own credit reports and many a times when you are overseas, it is just impossible to get that.

Lately it has been seen that access to credit information is proving to be a bone of contention for the businesses and consumers. Some big fish in this market such as Equifax, Experian and Trans Union are planning to introduce their own multi-agency credit score to outwit each other.

Every such company aims to make profits by providing accurate and instant credit information to the consumers. But unfortunately most often the results are disastrous in the form of inaccurate credit reports, identity theft and huge fees for credit monitoring after the consumer's identity has been made available to thieves.

However a lot of nuances can be prevented if the consumer is cautious. After an individual gets his report, he should study it thoroughly. Anything negative on the report should be corrected right away, like the unpaid bills. Once you have paid the dues, let the concerned business notify the credit-reporting agency of it.

The accuracy of the report i.e. opening of any new account, charges you did not make or negligence or crime you are not responsible for etc. should also be carefully checked. If there is any fault, immediately report the concerned credit report agency about it.

Mansi aggarwal recommends that you visit Credit Reports for more information.

Credit Counseling Programs

Writen by Elizabeth Morgan

If you're in economic trouble, you definitely need as many alternatives as possible. Most of the time, you have to cooperate with agencies that will provide you with the weapons needed in order to fight against debts. Whatever the case may be, credit counseling agencies usually have a program that fits the specific needs of the situation. The two most common credit counseling programs are listed below.

Debt management programs include confidential budget counseling for every situation. Additionally, the counseling agency and the client make special arrangements in order to start the procedure of clearing the debts that the client has. The agency does special negotiations with the lender, and the person in debt is provided with lower monthly payment fees. Furthermore, counselors provide those who seek advice with guidelines and tools in order to avoid future economic trouble.

Money management programs are designed to help the client enhance his money-management skills. This is mostly achieved through educational courses that are divided into smaller parts. Typical examples are "Understanding the value of money," "Understanding debt," and "Understanding credit." Through educational courses, clients can improve their financial situations and master the skill of money management. They can be more sophisticated about their future moves, and they are less likely to fall into traps in the future.

All in all, credit counseling programs are designed to help those who for some reason are facing financial trouble. The most common reason why people might want to visit such agencies is when they are having problems with debts that they cannot encounter directly. If you ever happen to be in such a situation, do not hesitate to consider this alternative; after all, they are there to help you.

Credit Counseling provides detailed information on Credit Counseling, Consumer Credit Counseling, Credit Counseling Services, Free Credit Counseling and more. Credit Counseling is affiliated with Credit Card Debt Management.

What Are Platinum Credit Cards

Writen by Joseph Kenny

Platinum credit cards are generally offered to those individuals with good credit ratings and an income of around £20,000 per annum or more. Platinum credit cards have many benefits and features compared to a standard or gold credit card. Conventional school of thought would find platinum credit cards to be a status symbol. However, relaxed rules and upper limits have brought them within reach of the average person too.

A platinum credit card can be a good choice if you frequently use credit card for your routine and high purchases and pay back the whole credit at the month end. You get a high limit of credit and sometimes no limit at all if you show a high earning power of annual income £25,000 or more. However the actual high level of credit you'll get depends on your income and credit rating.

Platinum card owners are privileged because they do not have to pay the usual high interest rates on credit. Generally there is a low or no annual fee. You can get a number of benefits and rewards such as free air miles, discount points, reward points for purchases and cash back. If you cannot make the most of platinum card deals it is better to opt for standard credit card. Since, maintaining a platinum credit card can prove to be a costly affair in the long run if not used and managed properly.

A number of credit card companies offer special facilities such as:

Protection against accidental injury, sickness and involuntary unemployment

Protection against card theft and loss

Online credit card fraud protection

Travel insurance and special travel services

Flexibility to share it with friends and family

Platinum Card Guidelines

There are certain things you must never overlook while signing up for a platinum credit card. Make sure you spend only that much amount that you can easily payback because even if you fail to pay one monthly payment it will account for a negative credit rating. Bottom line is that the benefits should always amount up to more than you pay.

Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of credit card advice. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.

The Advantages Of Airline Credit Cards

Writen by Morgan Hamilton

Credit card companies are becoming very competitive. With the use of credit cards becoming an everyday part of life, credit card companies are scurrying to get your business. Many credit card companies have teamed up with other companies to offer rewards or perks to users. Airlines are one of the top companies that they have team up with. Travel and credit go hand in hand to provide the customer with free air miles for purchases they make on their credit card. Airline credit cards have many advantages for the frequent traveler.

Airline credit cards have a major credit card company backing it, but also displays the airlines logo or name. As you make purchases you earn points towards these airline miles. Most airline cards have a certain number of points you must gain before earning a free ticket. It is important to read the details about a card before signing up so you understand how the point system works. Shopping around is always a good idea, as an airline may have ties with a few different cards. Different credit cards offer different fees, charges and point systems. An airline credit card should be treated as you would any type of credit card.

Purchases made on an airline credit card help the customer to earn miles that they can then use at this certain airline. When using a credit card that is tied in with an airline you have the security of knowing exactly where you can use the miles. With other non-airline credit cards that allow you to earn miles, but are not tied in with a specific airline you may not be able to use the airline of your choice. An airline credit card is more convenient for a traveler who has a particular airline that they always travel with. The fees tend to be higher with these types of cards, but the airline miles benefits help make up for that. In fact, the free air travel you earn could even make an airline credit card a better deal than other types of credits cards. For example, let's say that your fees with airline credit card X are $100 a year and fees with non-airline, non-mile earning credit card B are $50 a year. However, you fly often for business and airline credit card X helped you earn four free tickets this year, saving you $400, then you can clearly see the extra $50 in fees was well spent. Airline credit cards are also more flexible in how they let you use the free miles you have earned. Other non-airline credit cards often have blackout dates and most airline credit cards do not have these. Somebody who travels a lot will benefit the most from an airline credit card.

Airline credit cards are just like any other credit card. They require responsibility in their use and should be chosen carefully. However, for someone who travels often an airline credit card could just end up saving you money. Airline credit cards have advantages that go beyond the typical non-airline credit card.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Airline Credit Cards.

Ten Credit Card Tips

Writen by Steven Gillman

There are credit card tips, and then there are credit card secrets. These latter are little known tricks that credit card companies play on you, as well as tricks you can use to get rid of fees and pay off your debt sooner. Here are some of the best credit card tips, tricks and secrets.

1. You can get rid of annual fees. If you have good credit, just call and ask for fee to be removed. This worked on three out of four cards I called on, and I just dumped the other. Of course the threat to do the same with the others is what got the fees dropped.

2. Read the fine print, and pay on time. Be aware that under "universal default" rules, if you are late on one card, your interest rate can be increased on other cards as well. They love to get you with this one.

3. Watch for changing due dates. This is a trick used by some credit card companies to get you to pay late, so they can collect the late fees. They will also be able to raise your rate, and the rate on other cards you may have. Don't assume that your payment due date will always be the same.

4. Use promotional checks with care. Transferring balances to 0 interest promotions can be a good idea, but watch out for those that charge "balance transfer fees." Transferring a balance that you were going to pay off soon anyhow will just cost you more if there is a 3% transfer fee.

5. Try credit unions for cards. Their cards usually have lower rates. My credit union Visa rate hasn't been over 10% in years, and I have zero liability for unauthorized charges.

6. Ask to have the late fee waived. If you've never been late before, some credit card companies will waive a late fee - but only if you ask. Why not try it? All it takes is a phone call.

7. Pay in full every month. Credit cards are for convenience, not for hiding the true cost of things. Don't pay interest - just pay the balance every month.

8. Don't buy the credit card insurance. This typically stops your payments when you are injured or unemployed. It is one of the most over-priced insurances out there, and doesn't eliminate the debt, but just delays it.

9. Avoid credit card security insurance. It pays for unauthorized charges when your card is stolen, but you are only liable for the first $50 if you report the theft in any case, and many cards already have 0 liability.

10. Pay high-interest cards first to reduce credit card debt. If you have $200 monthly to apply to your credit card debt, pay only the minimums only on all cards but the card with the highest interest rate. Put all the rest of the money towards that one. Once that one is paid off, work on the next highest. This is the fastest way to get rid of your credit card debt, and the most important of these credit card tips.

Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more and get a free gift at: The Secret Information Site (http://www.TheSecretInformationSite.com)

Credit Report Repair Services

Writen by Kevin Stith

You see their ads everywhere -- in newspapers, on television and throughout the Internet; and they all say the same thing, they all promise to repair your damaged credit report for a fee. If you know you have bad credit, you may look for services such as these, but beware – these companies cannot deliver on their promises to wipe out your bad credit. After you give them hundreds of dollars, you will find out that nothing has changed, and they will disappear with your money. There are some that are reputable and use legal tactics that are also ethical, but you must be careful.

If the negative information in your credit report is accurate, the only thing that will legally remove that information is time. A consumer-reporting agency can report accurate negative information in your credit report for up to seven years, and a bankruptcy for at least ten years.

If the negative information in your credit report is inaccurate, you may be able to dispute it with the consumer-reporting agency. The law allows you to ask for an investigation of any information in your file. You can do this at no charge to you.

Many states have laws concerning credit repair companies. If you feel that you have been victimized by a credit repair scam, law enforcement officials may be able to help you recover the money you lost. Do not be afraid to contact the consumer affairs office, or your state's Attorney General's office. The laws are in place to help you in these situations.

Credit Report Repair provides detailed information on Credit Report Repair, Credit Report Repair Services, Bad Credit Report Repair, Company Credit Report Repair Services and more. Credit Report Repair is affiliated with Online Credit Reports.

Free Credit Card Offers

Writen by Thomas Morva

The term free credit card offer means you do not have to pay an application fee, or an annual fee to own that card. If you are like most Americans, you have gotten countless number of unsolicited communications from credit card companies offering you pre-approved applications for credit cards with no annual or application fees. Examples of companies that offer this type of card are banks and stores.

A very important thing to remember is that using a credit card is a form of borrowing some money. You are simply extending the full repayment of your purchase over a specified period of time. Even if the card you have applied for is considered a totally free credit card, you will still be charged various interest fees at the end of the month if you are carrying a balance. If your payment is late, you will always be charged late fees that can sometimes double or even triple your payment. So, before you apply for a credit card, you must first read the terms and conditions as it can affect your overall cost of any purchases.

Using common sense when it comes to applying and using credit cards is the smartest thing you can do financially. Just because the credit card is considered a free credit card does not mean it is the best one for you. Before you apply for a credit card, compare it with other cards. Spending a little time and effort may save you a lot of money in the long run.

Credit Card Offers provides detailed information on Credit Card Offers, Best Credit Card Offers, Free Credit Card Offers, Business Credit Card Offers and more. Credit Card Offers is affiliated with Student Credit Card Applications.

Selecting The Most Attractive Credit Cards

Writen by Michael Russell

The credit card has been actively promoted for the last decade and more. Promotions for credit cards have become commonplace all across Asia, from aggressive telemarketing to classy freebies being thrown at the prospective customer.

If you're a user in Asia, here are some tips you can take advantage of to make the most of your credit card experience. If you are not in Asia, perhaps there are some similarities in the use and administration of the cards business that will provide some insights into how to maximize your card usage.

When shopping for a card, there are several things you should look out for; the cost, the interest rate and the rewards, amongst others. The cost of the card refers to the annual fee or membership fee for the use of the card. Membership fees differ depending on the type of card applied for, ranging from the ordinary blue, green or silver cards, to more expensive gold and platinum cards. The difference is that more expensive cards come with more privileges, such as concierge services and priority golf for platinum cards.

In Asia, most banks and card companies give out cards for free for the first year, or even up to three years. If you would like to minimize the costs associated with the usage of a credit card, select one with a longer fee-free period. Otherwise, try out the more expensive cards and feel free to cancel the card after the fee-free period is over.

Interest rates on card unpaid balances do not differ much amongst different cards available today, generally ranging from 18% to 24% per annum. This refers to the interest you will have to pay if you do not pay your outstanding balances in full by the payment due date. Tied in with this is what is referred to as the interest-free period, the time between the purchase date and the date payment is due. For most card companies, the maximum interest free period ranges from 45 to 60 days, so you could buy something in the middle of June and not have to pay for the purchase till the end of July, interest free.

One thing to bear in mind is that if you roll over your balances, that is, if you do not make payments in full, the interest free period will no longer apply to subsequent purchases until the payment is made in full. From the example above, if you did not make full payment at the end of July, even purchases made at the early part of July would accrue interest at the stated rate. So if you're a person who rolls over your balances, it would make sense to pay attention to the payments made and not made, in order to avoid interest payments on new purchases.

Rewards and other benefits. As the cards market grows and saturation rate grows, competition amongst card companies has led to the development of intricate rewards programs with flashy products. In some markets, the cost of the card is tied to the rewards program; in Asia, this is not necessarily the case. In shopping for a card, look out for the rewards to spending ratio, that is, how much does the customer have to spend before being able to redeem a certain gift or voucher. You might also want to select the card, which gives added rewards points at selected merchants, or a card that gives double or triple the points. Being able to redeem shopping vouchers is almost the same as an outright discount on your purchase.

Hot tip. With a quickly saturating market, active promotion of cards comes in the form of telemarketing and road shows. Along with this is the offer of attractive freebies, such as dining vouchers, radios, sports bags and watches. Such offers might only be available at promotion booths or through telemarketers. If you can wait, do not apply for the card directly, but look out for such promotions to obtain your free gift.

With the above information, you are now equipped with the knowledge to make an informed decision about the most attractive card for your needs.

Michael Russell Your independent guide to Credit Cards

Credit Cards Applying Online For A Credit Card

Writen by Michael Russell

Everyone is familiar with the credit card applications we get in the mail every week. While many of these cards say you are pre-approved, you can still wait for several weeks before hearing of a decision on the acceptance of your application. The Internet has changed all that. Applying for a credit card online can mean getting approved in a matter of minutes. What are some things to look for in applying for any new credit card online?

How Is Your Credit?

If you know that your credit is good then you'll have no issues in getting approved for an online credit card. The credit cards with the best terms and rates will always go to the consumers with the best credit. So, it is always a good idea to know what your credit report says about you. Be sure to check your credit report at least twice a year. Another benefit of doing that is to be sure there are no errors on it.

If you haven't reviewed your credit report in some time, then it would be a good idea to do so before applying for a new credit card. Check it out for accuracy and fix anything that needs attention. Keep in mind that by applying for credit cards and getting turned down, will affect your FICO score. This can play a key role in getting future credit offers.

Applying Online

After you know whether or not your credit is good enough to be approved for a new credit card, you're ready to apply online for an immediate approval card. All credit card companies will ask you for the same basic information: name, address, phone, social security number, date of birth, employer, length of employment, gross income, etc.

Before you apply online for your new credit card, read the terms and conditions carefully. Check to make sure there are no surprise fees. All credit card companies will require you to submit your social security number. They do this so they can pull your credit report and determine whether or not you are creditworthy enough to approve you for a new card. One important note to check for; make sure that you are using a secure server when transmitting the information online. It should say SSL 128-bit encryption. This is standard procedure over the Internet today. It will make it virtually impossible for someone to steal your information.

When you enter in all your information and press "send", you will have an approval/disapproval decision in minutes. It will either show up right on computer screen, or be sent to your email address.

After you receive the news of your approval, you can expect your new credit card to arrive in the mail usually within 2 weeks. If you have been turned down for the credit card you applied for, you'll be sent a letter in the mail stating the reasons for your denial. Check over the reason for your denial. It may simply be a mistake, in which you can speak to someone at the credit card company and they can help you get it corrected.

Michael Russell

Your Independent guide to Credit Cards

How To Play The Balance Transfer Game Successfully

Writen by Tim Gorman

Nowadays, it seems all too easy to spend up big on your credit cards, forgetting that at some point it has to be paid back. If you have substantial credit card debt, and are finding it almost impossible to keep up with the payments, then maybe you need to look at saving some money by taking advantage of credit card transfer. Basically, if you transfer the balance of one credit card to another, you can often take advantage of introductory or teaser rates. These are offered a couple of times a year by the major credit card companies. Generally the teaser rate will last for either 3 or 6 months after you receive the card. Depending on the offer, you can pay anywhere from 0% to 9% on the transferred balance. This is great if you're transferring a balance from a high interest card across to the new card. You can save a lot of interest.

One thing to watch out for, though, is that many of the banks will treat a balance transfer the same way as a cash advance. So you need to check and see whether there are any excessive fees involved on the new card. If interest is being charged, find out whether it's from day one, or whether it starts after a set grace period. This can make a big difference if you're planning to make a lump payment fairly soon after transferring the balance. If you shop around, you may be able to find a teaser offer where the transfer charges on balance transfers are waived during the promotion. This can be a big saving.

You've probably heard it before, but it's still very good advice - read the fine print. Make sure you've at least read all the information about balance transfer and possible fees involved. Look for the term 'flat balance transfer' which usually is followed by applicable fees. If you can't find anything relevant on the application information, then make sure you ask!

If there's a grace period, use it. Try and coordinate the balance transfer from your high interest card so that you get the maximum amount of grace period before interest charges begin. This usually means timing the transfer so that it arrives just after your next bill is issued. Depending on the bank's policy, that may stretch your grace period to as many as 60 days. If you're transferring a large amount, that can add up to some big savings. If the credit card you're considering doesn't have a grace period, ask yourself whether this is really an offer you want to accept.

Once you've transferred your balance to the low interest teaser card, you will quickly receive a bill. Make sure you pay before the due date. Obviously you need to meet the minimum payment, but whenever possible you should budget to pay more than that, and preferably a lot more. Credit card companies love it when you just scrape in with the minimum payment, because it means you're probably paying almost nothing off the debt, and so next month they'll charge you the same amount of interest again. It will take you years to pay back the debt that way, and that's only assuming you never use the card to pay for anything else. No wonder credit card companies are so keen to hand out their cards.

As a short-term strategy, transfer your balance to a new credit card can be a big help, but it's never going to be a permanent solution. It can also end up being a very expensive solution, particularly if you don't close the old credit card and you spend up to its maximum again. If you start doing that, you'll find yourself in a much bigger financial mess very quickly, and will wish that you never even thought about transferring the old balance. So play the balance transfer game wisely.

Timothy Gorman is a successful Webmaster and publisher of BestOnlineCreditCardOffers.com. He provides more credit card facts, tips and advice on finding the best low rate credit card online, that you can research in your pajamas on his website.

Personal Credit Reports How To Get Them For Free

Writen by Hartley Pinn

Your personal credit report tells lenders everything they need to know to help them decide whether to lend money or extend credit to you. Do you know what is on your personal credit report?

Are you certain that your personal credit report is accurate? These and other questions must be answered before you apply for credit or take out a loan. Without that information handy, you may end up paying too much for your car loan, mortgage, credit card, and more.

Worse, you could get rejected altogether and for no good reason. Today, you can get your personal credit report at no cost and I am going to show you how to do just that.

The U.S. Free Credit Report Act has proven to be a real blessing for consumers. The U.S. Federal Trade Commission, which is the government agency tasked with helping consumers, has established through this act that you can get copies of your personal credit report at no cost. Through the three major credit reporting bureaus – Experian, Equifax, and Trans Union – you are entitled to receive a copy of you personal credit report annually from each bureau.

These three bureaus have "all the goods" on you so to speak. If you were late with a car payment and that information has been passed on to the credit bureaus, it becomes part of your personal credit report. At the same time, if someone with a name similar to yours went bankrupt, that information could erroneously be put in your report.

Unfortunately, you may not find this information out until after you apply for credit. Sure, you can correct the problem, but it could take weeks to resolve and delay you from getting a loan. That can be a real problem if you need credit now!

Consumer watchdogs are urging everyone to get copies of their personal credit reports annually. Some are suggesting that consumers space their reports out to one ever four months from the three different agencies.

For example, in January you would order one from Experian, in May from Equifax, and in September from Trans Union. Come the following January, you would order a report from Experian and start the process over again.

You really need to see all three credit reports as they are not uniform. One bureau may have one piece of information about you, while another something else. Your goals are to make certain that all the information in your personal credit report is accurate. If not, then you must take action to amend each error.

In addition to your personal credit report, it is recommended that from time to time you also get your FICO score. Your FICO score is the "grade" that creditors use to determine exactly what your loan rate will be.

Your FICO score isn't free, however only a nominal fee of approximately $5 to $7 will be charged should you choose to order it.

Are you ready to find out more about ordering your personal credit reports? If so, visit the FTC site for more information: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm. Click on the appropriate link to go to the proper site and order a copy of your personal credit report today!

To get a complementary step-by-step easy to follow credit repair video and instruction manual that will show you how to increase your credit score by 50 to 100 points in 30 days, visit:
http://www.mortgage-leads-generator.com/credit.htm

Please feel free to reprint this article as long as the resource box is left intact and all links are hyperlinked.

Hartley Pinn has recently created the Mortgage Leads Generator Training Course to teach people how to make over $50,000 a month working part-time (10 to 15 hrs per week) as a mortgage loan officer.

Discover The Best Credit Card Rates

Writen by Morgan Hamilton

Are you one of those people that really need a credit card, but you have no clue where to go? Are you interested in getting the best credit card rates available to you? Are you concerned with comparing credit card companies so you can see who actually has the best credit card rates? If you answered yes to any of these, let this be your guide to help you discover the best credit card rates.

There are many ways that you can learn about the rates offered by credit card companies. But the best and easiest way to compare credit card rates is to go online. A particular website you might enjoy is at comparecc.com. This website has very detailed information available on different credit card companies. Here you will find: the names of the credit card, the APR rate, the bonus awards programs offered by the card, what kind of credit you need to get the card, and the annual fee (if there is one).

Now we will go over some of the credit card companies on this website that offers the best credit card rates. The first one is American express. This card offers low introductory credit card rates of about 3.99 percent. After one year, your regular APR rate will be 10.49 percent. You need to have very good credit in order to get this rate, however.

Next, we look at Citi Financial Mastercard. Citi Financial Mastercard offers great credit card rates. If your credit is excellent, you will have a 0 percent APR for the first 12 months! This is also included for balance transfers. After the 12 months is up, your APR rate will go to 9.99 percent. Remember, this is only for those of you with excellent credit.

The last card we will look at is Discover card. Discover card offers varying credit card rates. They do have a 0 percent introductory APR that is offered for a time determined by your credit score. After that, your APR will be 9.99 percent. This low rate is only available for those of you with good credit. Discover also offers a cash back bonus awards program to all of its customers.

For those of you with not such great credit, you can still apply for these cards and others. Just remember that credit card rates for people with bad credit are often much higher than rates for people with good credit. Keep this in mind when you are searching for a credit card.

This is all of the advice you need for help discovering the best credit card rates. Be sure to take your time and to do some research. There are a lot of options out there. With a bit of patience, you are sure to find the best credit card rates available to you!

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Best Credit Card Rates