Your Credit Repair Strategy

Credit repair is a process. Often a very long one. And you need to plan every step of the way.

Is 0 APR Credit Card Good or Evil?

Right now, there are so many banks are issuing 0% APR for certain introductory periods credit cards and I am pretty sure your mailboxes are filled with all these credit cards applications. Like me, you must be tempted with the 0% APR credit cards offered by different banks because with 0% APR, we can now buy stuff without paying interest rate and getting money out of our bank account.

The Lowdown on Discover Student Card

Students have all the luck. As they do not have a credit history, they start on a clean slate and some credit card companies won’t hold this against them. This is why corporations such as Morgan Stanley offer the Discover Student Classic Card which is specially catered to meet the needs of students.

The Lowdown on AT&T Universal Card

With all the many reward programs out there, this is perhaps the only card that doubles as a calling card. The AT&T Universal Platinum Card is issued by Citibank with the general purpose of being a credit card that comes with a lower APR, and also a calling card with probably not-so-low calling charges.

The Lowdown on the Citi Dividend Card

Those of you with a good credit score looking for a credit card that offers a cash reward program should take a look at the Citi Dividend Platinum Select Card, issued by Citibank.

The Hidden Cost of Using your Credit Card Abroad

If you thought that you were being wise and saving your hard earned cash by using credit cards for your holiday abroad, think again, warns the Saga Group.

Credit Scores are Not Universal

Credit scores are not universal. In other words, you could pull your credit score from all three credit bureaus and find that they not only don't match each other, they won't match the FICO score that your lender accesses.

Credit Lessons for Retirees

This article provides a brief overview of scams geared toward elderly people; including credit card scams. The article gives consumers several tips on how to avoid being scammed and a list of several companies with offers that cater to seniors.

Credit Card Balance Transfer Fees

Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born.

Maintaining an Optimal Balance

Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month. While the advertisements of the Visas and MasterCards of the world continue to tout the convenience and ease at which you can shop or handle an emergency with just a swipe of the plastic, they fail to mention how you as a consumer should use your card including guidelines as to how much credit limit is too much and how to keep from ruining your credit rating by constantly maxing out your credit card.

What are they Charging you? - Understanding Credit Card Insurances

Whenever you are shopping for a Credit Card you always wonder what all those insurances that come with the Credit Card Package stand for and how to issue a claim if something happens to you.

Info about the Credit Repair Businesses

You have to be careful when choosing among the many credit repair businesses. Price may be a consideration, but experience and customer satisfaction are just as important.

The Chase Travel Plus Platinum Visa Compared

The Chase Travel Plus Platinum Visa offers consumers flexible travel rewards that can be redeemed for airline tickets, hotel stays, cruises, and car rentals. In this article, the Travel Plus is compared to similar travel rewards credit cards.

The Lowdown on the Orchard Bank MasterCard

Having a bad credit history may greatly affect a user’s future credit card applications, at least for the next seven years down the road. With tainted, poor or bad credit history, there are only two options left for the down-on-its-luck credit card user: go with cash or get the Orchard Bank Silver MasterCard.

The Lowdown on the Discover Student Card

While this credit card may appear to be like any other student credit card, upon further inspection, you will realize that the Discover Student Clear Card comes in a variety of flashy and funky designs.