Money Saver

RECENT ARTICLE

Bend it like plastic

Money Saver: Soccer fans around the world are avidly watching the FIFA 2010 World Cup, which kicked off June 11 in South Africa. To commemorate the event, Visa launched an online financial soccer game in Canada as part of a worldwide effort to improve financial literacy among 20 million consumers in the next three years. Visa developed the game with football's international federation, FIFA, and plans to roll out the game in 10 languages across 30 countries. Of course, some might wonder what kicking a black and white ball around a field has to do with money management. Financial Soccer is a free online ...

Card Expert on June 28, 2010 0

Share |

ALL ARTICLES

The Six Worst Things For Your Credit Report

Money Saver: It's easy to make mistakes when it comes to your credit. Some mistakes are so detrimental; you'd never want to appear on your credit report. Since future creditors and lenders use your credit report to make decisions about you, there are some things you'd never want to show up on your report. 1. Charge-offs Missing your payments for 6 months or more could cause your creditors to deem your account as uncollectible. When this happens, the creditor writes off the account and updates your credit report as "charged-...

CreditCardsGuru on May 24, 2010 0

Share |

ALL ARTICLES

5 Easy Steps to Control Credit Card Debts

Money Saver: Character with debatable credit experiences generally is in pain unjustly from excessive finance, investment, and car mortgage charge. Overhead that, they have effort clean up official for trust schedule. The total site can acquire really disappoint. Commonly, I obtain emails from purchaser be amazed what they can do to repair their acclaim. The firstly object I instruct them is to acquire an acclaim license created for citizens with poor quality acclaim. The second object I tell them is written in bold: View THE excellent PRINT. Present are simply a partial amount of acclaim schedule for p...

Card Expert on May 3, 2010 1

Share |

ALL ARTICLES

How To use an ATM Abroad

Money Saver: The easiest way to get cash when you are abroad is by withdrawing from your ATM. This is also the safest way to go if you do not feel safe while traveling with a lot of cash or travelers' checks on you. There are several things you have to consider when using your credit card to get money abroad as some ATM machines are not compatible with some cards. Here are some of the tips that you can use when you want to use your ATM card abroad. Research. Before even leaving the country, you will have to check if you can use your ATM credit card in other countries. Some of the well known ATM cards t...

Card Expert on February 25, 2010 0

Share |

ALL ARTICLES

Reducing Credit Card Debt

Money Saver: Reducing credit card debt is usually a consumer’s first step towards financial freedom. Credit card companies entice consumers in with low introductory rates, cash advance checks and other gimmicky promotions. What consumers don’t realize is that they are at the credit card company’s mercy. That low introductory rate can quickly turn into a 30% APR. By reducing your credit card debt, you will free up your finances for retirement, college and other savings venues. Step 1 Make a list of all of your credit cards. Start with the smallest balance on the top of the list and the largest b...

Card Expert on February 10, 2010 0

Share |

ALL ARTICLES

How do you plan to pay?

Money Saver: One of the key decisions you'll make when it comes to choosing and using a credit card is whether you will pay your bill in total every month or just pay off part of it. It is very important to know your "payment profile." If you pay off just the minimum or even most of what's due on your credit cards, there's a balance left. So you'll need to know how your credit card applies its interest rate to what's not paid to know where you really stand and what you'll be paying to maintain an unpaid balance. Card companies also apply fees to a number of card uses -- for example, a late fee, or...

Card Expert on February 2, 2010 0

Share |

ALL ARTICLES

Tips to Credit Card Debt Consolidation

Money Saver: The benefits from Credit card debt consolidation, 'Credit card debt consolidation' seems to be the most talked-about term in the world of credit cards. It's true that credit cards have been very useful and convenient for us and we, in fact, treat the credit cards as a necessity. However, with every good you have evil too. In the world of credit cards, 'Credit card debt' is that evil and 'Credit card debt consolidation' is often regarded as a medicine for treating credit card debt. Anyone who has read any newspaper articles on 'Credit card debt' would already know what credit card debt conso...

Card Expert on January 27, 2010 0

Share |

ALL ARTICLES

Credit Card Tricks

Money Saver: When it comes to the dozens of credit card offers that you get in your mailbox every week, you might think that some of these credit card companies would like to be on the next series called “Stupid Credit Card Tricks”. These promotions that you get for credit cards seem to be playing on just about every tactic they can find to get you to take out yet one more credit card. You would think that the fact that credit card debt is a virtual epidemic in this country would let the credit card companies know that its time to get on the side of the consumer to learn responsible use of credit. I...

Card Expert on January 27, 2010 0

Share |

ALL ARTICLES

Which Debt Should You Pay off First?

Money Saver: If you’ve racked up a lot of debt on your credit cards, you’re not alone. In fact, of the 90 million households in the United States that own at least one credit card, the average debt totals a whopping $10,691, according to CardTrak.com. Many of these households are only paying the minimum payments on their credit cards too. If that sounds like you, here’s some food for thought: If you carry the average credit card debt of $10,691 and only pay the minimum payments each month, it will take you nearly 33 years to pay off your balance completely. Clearly, the minimum payment method ...

CreditCardsGuru on January 27, 2010 0

Share |

ALL ARTICLES

Managing Credit Cards For Unemployment

Money Saver: Getting laid off from work is a fear that most Americans share. Sadly, with unemployment statistics growing higher each month, it’s also a scary reality for millions. If you think you might be losing your job, there are some steps you can take to manage your credit cards, avoid high fees, and avoid plunging deeper into debt while you look for a new job. Save Your Money Experts acknowledge that many people scurry to pay off their credit cards when their jobs are in peril. But that’s not the recommended course of action. Instead, put your money into an emergency savin...

Card Expert on January 25, 2010 0

Share |

ALL ARTICLES

How To Evaluate Credit Card Offers

Money Saver: Whether you're looking to expand your available credit, take out your first credit card, or transfer credit card debt to another card, you will no doubt have plenty of credit card offers from which to choose. Some of them will probably provide the kind of financial help you're looking for, while others may make a mess of your credit if you're not careful. Here are some tips for evaluating credit card offers so the card you pick eventually works for you--and not the other way around. Check the interest rate. This is the thing people most typically check when they get a credi...

Card Expert on January 22, 2010 0

Share |

ALL ARTICLES

How To Lower Credit Costs and Pay off Debt

Money Saver: Debts and the use of credits cards help pay off expenses, but if you are not careful, some of your debts may have high interest rates. Minimum payments pay the interest, but leave a larger principal to worry about. To reduce credit costs and pay off debts, plan how to pay off the principal the soonest, lower the interest paid, and improve your credit score. You can: Monitor your Credit Score a. You are entitled to get a free credit report once a year from Annual Credit Report.com. b. After 6 months request another copy of your credit report from any US cr...

Card Expert on January 22, 2010 0

Share |

ALL ARTICLES

What Consumers Should Do if Their Credit Limits are Cut

Money Saver: Studies done by Consumer Action, a consumer advocacy group, are showing that almost one in five consumers have had limits on their credit cards cut. Almost 20 percent of these customers are showing they have nearly maxed out their cards as a result. Experts are predicting that limiting credit is going to “become severe” in the near future. Meredith Whitney, bank analyst for Oppenheimer and Co., stated that she predicts “card issuers will cut credit lines by $2 trillion-plus over the next 18 months.” Some triggers for limit cutting are consumer’s credit sore falling, late payment...

CreditCardsGuru on December 15, 2009 0

Share |

ALL ARTICLES

Learn How to Manage you Credit Cards

Money Saver: Consumers are suffering financially due to the recession and need to know how to manage their credit card, savings and investment accounts. In today’s society, credit cards are a staple. Their convenience and many uses make them one of the easiest ways of purchasing items. Unfortunately, they are also a very easy way to get into financial trouble if consumers are spending more than they earn. Not using or establishing credit can also be detrimental. Most consumers cannot afford big-ticket items like homes, cars and large appliances without the use of credit. Because of the importance of cred...

CreditCardsGuru on December 15, 2009 0

Share |

ALL ARTICLES

Credit Card That Fits Your Life Style

Money Saver: The modern credit card is very useful thing. Using only one card you can make every purchase in various stores and business establishment. The credit card company serves as a ‘middleman’ between the client and store. This ingenious scheme hit big banks as American express and Visa to issue their own cards. Nowadays most transactions are doing online, so credit cards are absolutely necessary. Every individual can find for himself such credit card scheme that will suit for his own lifestyle. For individuals who spend for entertainment and frequent travelers American Express and Diner’s ...

Card Expert on September 30, 2009 0

Share |

ALL ARTICLES

Clear up your Credit History

Money Saver: The credit card is the greatest invention introduced to men. You can buy something and made any payments in seconds. It’s very convenient, because eliminates the hustle of reaching into your pocket to get your wallet. Credit cards give a great opportunity to owners to buy anything they want without looking aside. But at the same time credit card owners should be attentive and don’t get carried away by the thought of having what they want at the palm of their hands. Postpaid credit cards, especially with high credit limits are often overused. If you can pay your bills in due ti...

Card Expert on September 21, 2009 0

Share |

ALL ARTICLES

Credit Card Security

Money Saver: Shopping online with a credit card, shopping in a real store with your credit card or ordering something over the phone with your credit card… How do you think, what is the biggest treat to your credit card security? May be it’s a surprise for you, but shopping in a real store with a credit card is the biggest threat to your credit card security. Shopping online is a relatively safe process, despite all the controversy and publicity surrounding identity theft and internet phishing. Credit card fraudsters hack into an online store's server to get your credit card numbers and ID ...

Card Expert on September 18, 2009 0

Share |

ALL ARTICLES

Tips for Disputing a Credit Card Charge

Money Saver: Very often there are charges on you credit card that you never made or merchants did not reimburse you properly. Below is what you need to know to file a successful dispute: Try your other options first-A credit card dispute shouldn't be your first move. You should go to the merchant to try to resolve your problem. That might include a partial refund or credit for a future product. Watch your bill - Review your monthly credit card statement very carefully. Match up receipts to charges listed on your statement, if there are any discrepancies or unknown charges you should...

CreditCardsAct on September 1, 2009 0

Share |

ALL ARTICLES

Credit Card Guidelines

Money Saver: Below are some basic principles for managing your credit cards wisely, to avoid unnecessary credit repairs and to maintain high credit score: Keep your balances as low as possible - Pay off your balance in full each month. Don’t overcharge your credit card id you can not pay it off on time. Manage your accounts carefully - You should read over your statement and look for charges that might not be yours and make sure ...

CreditCardsAct on August 17, 2009 0

Share |

ALL ARTICLES

Use Credit Cards and Increase Your Credit Score

Money Saver: Your credit cards play an essential role in build up your credit score. Nowadays, majority of people use credit cards, that why we all need to know how to use credit cards properly to increase credit score. Also, if you use your credit cards wisely, you may be rewarded with lower interest rates, higher credit limits and a good credit score. When using your credit card try to: Notify your creditor if you will be l...

CreditCardsAct on August 12, 2009 0

Share |

ALL ARTICLES