Credit Card Companies

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10 Things Your Credit-Card Company Won't Tell You

Card Insider: 1. 'We're Waiting for You to Screw Up' Despite the new credit-card rules, many factors can still cause a credit-card issuer to raise your interest rate. One is when a lender reviews your credit history and decides to change the terms of your credit card when, for example, it's informed that you missed a payment with another credit issuer. The Credit Card Accountability Responsibility and Disclosure (CARD) Act, however, does offer consumers some protection here: Should your credit-card issuer change the terms on your credit card, they can do so for purchases going forward...

CreditCardsGuru on May 4, 2010 0

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A Costly Loophole In the Credit CARD Act

Card Insider: The Credit Card Accountability, Responsibility and Disclosure Act banned many of the industry’s most abusive fees and practices when it went into effect last winter. But there’s a loophole in the new regulations that really bugs us. In the past, credit cards routinely applied payments to that portion of your balance being charged the lowest interest rate. If, for example, you took out a cash advance with a 29.99% interest rate but were charged only 8.99% interest on purchases, the credit card company would apply your payment to the balance with 8.99%. That way, they could keep ...

CreditCardsGuru on April 27, 2010 0

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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

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19 Useful Credit Card Tips

Best Cards: Online banking makes our financial transaction more easier. Now a days its popularity increase rapidly. It not only save our time but also help us to get rid of many troubles. We also use credit cards over internet. If you use your card properly you are safe. But criminals target your credit card to hack. If they get this chance they lick your account in a single click!! First time credit cards user are the first target of this cyber criminals. They pretty like to hack or fishing first time credit cards user account. So be careful if you are First time credit cards user. Research shows that...

Card Expert on January 27, 2010 0

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How to Negotiate with Credit Card Companies

Best Cards: How to negotiate with credit card companies? Consumers may be interested in negotiating with credit card companies for the sake of reducing credit card debt or for reducing the interest charged on the balance that is invariably carried over by the card holders to the ensuing month. Since these scenarios are very different, the willingness of the credit card companies to consider negotiations with the card holder also varies. How to Negotiate with Credit Card Companies to Lower Interest Rates? A customer, who has been regularly paying-off at least the minimum balance on h...

Card Expert on December 14, 2009 0

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