2 Great Low Rate Balance Transfer Credit Cards With Exceptional Features

Gone are the days with 0% APR's on balance transfers. The feature was misused so much that credit card companies thought it best to revoke these offers. The reason could be the loss of revenue to credit card companies but this habit of transferring balances frequently and avoiding the debt repayment was increasing the volume of credit card debt. Balance transfer is a good practice if done with caution and restraint. Here are 2 good credit cards with low APR rates on balance transfers.

Are Your Revolving Accounts Lowering Your Credit Scores?

There are a couple of important differences between a HELOC and a HEIL. Once you understand the differences you can strategize on what's best for your credit and financial situation.

Credit Card Traps

Credit cards are both a blessing and a curse. They are easy to use and convenient. Unfortunately, they are easy to use and convenient. What people don't realize about credit cards is how much a credit card actually costs. They only see their balance and payment information without regard to any other charges or traps. At best, credit cards will cost nothing, especially if paid in full. At worst, credit cards can cost you your entire financial identity and good standing.

Learning About Credit Card Transfers

It is important to be careful who you trust with your credit card transfers. Unfortunately credit card fraud is very popular.

Buying a Car with Bad Credit - Bank or Dealer Financing?

So you want or need a new car but you have done some mistakes in the past that has led to a bad credit history? This is quite unfortunate but not an obstacle that you can't cope with.

Fix Bad Credit Report Repair

Fix Bad Credit Report Repair is a short article on the 7 steps to getting your credit report fixed. It has some very basic information that will help anyone get their credit back on track.

Student Credit Cards - What you Need to Know

When you start college, chances are you will be bombarded with credit card offers. The average college student receives between five and seven credit card offers during the first week on campus. Yet these are not always the best deals. You’ll find even more offers to choose from online. Before applying for a student credit card, make sure you understand what they are and how to use them wisely.

Benefits of a Debt-Management Plan

For about 25 percent of those who turn to credit counselors, more than advice is prescribed. In these cases, in addition to an action plan, a debt-management plan is recommended. A debt-management plan (sometimes called a debt-repayment plan) involves the agency as an intermediary (for a small monthly fee it handles both communications and payments on your behalf) and it includes revised payments that...

Credit Repair Mistakes

Fixing your credit can be a long and involved process, with many opportunities for the novice to make a mistake. Three of the biggest mistakes you should avoid are...

Bankruptcy Reform: Designed to Protect Big Business

Bankruptcy reform supporters argue that debtors who are seeking relief through bankruptcy are either willfully gaming the nation's bankruptcy system, or they are extravagant squanderers who should pay at least a portion of their bills if they are able to. In fact, about half of the bankruptcy claims filed are attributed to medical costs. This false argument hides the truth in its shadow: Big business groups have lobbied heavily for years to elect politicians sympathetic to their cause and reform the bankruptcy system for their benefit...

Bankruptcy and Buying a Home

Buying a home after a bankruptcy is possible. Now is a great time to try too.

Bankruptcy: What the New Law Means to You

There's a new bankruptcy law that recently took effect. This law has some tough restrictions that will make it more difficult to file for a Chapter 7 Bankruptcy and discharge many of your debts.

What You Should Know About Bankruptcy

Filing bankruptcy is not only a last resort legal action; it is also a very complicated legal action that definitely needs the expertise of a lawyer. When thinking about bankruptcy, you first need to decide if bankruptcy is right for you. If it is, then you need the help of an attorney to decide which type of bankruptcy is required for your particular situation.

Bankruptcy Chapters Explained

This article provides a clear explaination of the major types of bankruptcy. Find out which bankruptcy chapter is right for you.

Bankruptcy 101

A broad look at bankruptcy in general to help better explain what it is and what the effects of filing are to the consumer.