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Credit Card – Friend or Foe?

Best Cards: Some might refer to the good ol’ credit card as the Fantastic Plastic. As recent statistics have shown, credit cards in the western world are proving to be anything but fantastic, especially for those who succumb to its use. Debt quickly emerges and strangles the card owner somewhat like a Boa Constrictor strangling its host. Deceptive Plastic Perhaps it would be better referred to as Deceptive Plastic. Many card holders don’t realize what their balance is, on a day to day basis, or just how much interest they are paying on funds not paid in full by the due date. ...

Card Expert on January 22, 2010 0

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Instant Approval Credit Cards for Students

Student Cards: Credit card companies, issuing instant approval credit cards, guarantee the applicant of receiving a response within 60 seconds of completing an online application form. Instant response is made possible since the credit report of the consumer can be accessed by the credit card company in a matter of seconds. An excellent credit rating guarantees the applicant of receiving a positive response. The credit card is usually mailed to the applicant within a week and the consumer is thus given access to an additional line of credit. In case the applicant's credit history is questionable, the credit ...

Card Expert on December 14, 2009 0

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United’s Credit-Card Fee Draws Travel Agents’ Protest

Card Insider: United Airlines - demand that travel agents pay credit-card processing fees on ticket purchases would raise costs for businesses and millions of customers and should be stopped by Congress, an industry trade group said. United said in June it was making the change because of transaction expenses that have risen to “several hundred million dollars” annually. United had planned to begin levying the fees last month, and extended the start date by 60 days. Some agents will have to absorb the costs when customers buy with Vida Inc., Master Card Inc., American Express Co. and other cards...

CreditCardsAct on August 31, 2009 0

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Credit Card Issuers Will Soon Have to Spell Out More Details on Bills

Card Insider: By PAMELA YIP / The Dallas Morning News How many consumers really understand their credit card statement and the disclosure notices that come with their bill? The better question may be: How many even read them? If you don't read your statement closely or if you throw away the envelope stuffers, you may not know that your interest rate or fees have gone up, or that your credit limit has been lowered. Fortunately, federal regulators are eliminating consumers' excuses for not studying their credit card bills by requiring card issuers to make the statements easier to understand. Fo...

CreditCardsAct on July 27, 2009 0

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TrueEarnings Business Card from Costco and American Express

Business Cards: Straight cash back—4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco 0% introductory APR on purchases for the first 3 months No annual fee with your paid Costco Membership Flexible payments—pay in full or over time No annual fee for Additional Cards Save 3–25% on business expenses from FedEx, JetBlue, Hertz, Hyatt Hotels and Resorts and more ...

CreditCardsAct on May 20, 2009 0

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Capital One No Hassle Miles(SM) Rewards

Rewards Cards: 1 mile per dollar spent on purchases up to $1,000 each month 2 miles per dollar above $1,000 each month No limit on the miles you can earn and miles don't expire 0% APR on purchases No annual fee Excellent Credit ...

CreditCardsAct on May 20, 2009 0

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Get The Discover® More Card

Balance Transfer: Unlimited cash rewards, automatically Up to 20% Cashback Bonus when you shop online Double rewards with more than 100 Cashback Bonus Partners Customer Service in less than a minute, 24/7 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers No annual fee Get the Discover® More Card ...

CreditCardsAct on May 20, 2009 0

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How To Pay Off Your Credit Cards Quickly

Money Saver: 1. Pay more than the minimum. You should never pay just the minimum on your credit card unless you absolutely have to. The lower the amount you pay each month, the longer you will be in debt. Always try to pay as much each month as you can, and start paying off the cards with the highest interest rates first. 2. Request lower interest rates. Most people do not realize that getting a lower interest rate on a long-standing credit debt could be just a phone call away. Try calling each of your creditors and requesting a lower interest rate. Do not be shy or ner...

CreditCardsAct on May 19, 2009 0

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Balance Transfer Offers and Fees You Must Know About

Money Saver: Balance transfer offers that seem unbelievable probably are. Lenders do not make offers that they won't benefit financially in some way. In fact, they are hoping that people who accept transfer balance offers won't pay attention to the details. But that’s where potential pitfalls are – in the fine print. Balance Transfer Fees Most offers tod...

CreditCardsAct on May 19, 2009 0

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