Archive : Choosing a Credit Card

Should I Choose a Secured Credit Card or an Unsecured Credit Card?

Should I Choose a Secured Credit Card or an Unsecured Credit Card?

Whether you believe it or not, but I must tell you that there are a variety of credit cards and alternatives to the traditional credit card that we mostly use. Here I have explained you few forms of secured credit cards. It is better that you understand these options and choose any appropriate secured credit card for…

6 Things to Consider Before Applying for a New Credit Card

6 Things to Consider Before Applying for a New Credit Card

In this era it is becoming more and more difficult to get by in our society without a credit card – or at least, a debit card bearing a credit card logo. Here in this article I have mentioned few things that you must consider before signing your name to a new credit card application…

Costs and Fees: When is a ‘Fixed’ Rate not Fixed?

Costs and Fees: When is a ‘Fixed’ Rate not Fixed?

Each card agreement is different from the other, so here I will answer your questions in a more general way. A card issuer has got the right to change the interest rate of your credit card account by giving a notice in writing to the cardholder. Being a cardholder you have the right to refuse the new rate but…

Costs and Fees: FAQs About Credit Card Fees Part 4

Costs and Fees: FAQs About Credit Card Fees Part 4

If you are planning that you will pay off the balance every month, then now you should be less concerned about the interest rate and you should have more concern about the grace period before which card company start charging you interest on…

Costs and Fees: FAQs About Credit Card Fees Part 3

Costs and Fees: FAQs About Credit Card Fees Part 3

In order to get a low-rate credit card, you don’t have to pay. For reaching a national bank, you surely don’t need a middleman.Your credit history will remain what it is. What you can do is that you can correct errors in your credit report and then you can rebuild your credit over time, but to pay someone a high fee just for the facility of having them find you a credit card is nothing but just …

Costs and Fees: FAQs About Credit Card Fees – Part 1

Costs and Fees: FAQs About Credit Card Fees – Part 1

In this series of articles I have tried to answer some FAQs about credit card fees. Lets have a look at the questions related to credit card fees that are frequently asked by the borrowers.Question: My credit card interest rate has been raised up to 29.99% when I was late paying the bill. So my question is that what is the maximum allowable APR on credit cards? Answer: This misconception is popular among the people that…

Credit Reports and Scores: What is a credit score?

Credit Reports and Scores: What is a credit score?

Have you ever wonder why you can go online and be approved for credit just within 60 seconds? Or get pre-qualified for a car and no one even ask you how much money you make? Or why you there is a difference between the interest rates of you and your neighbor? The answer to these questions is…

Match Your Card and Lifestyle: Beware the Scams

Match Your Card and Lifestyle: Beware the Scams

People who are having bad credit can be trapped by the shady credit card deals.And if you have decided to sign up, than you should make sure that the company offering the deal is the right one i.e., have they come directly from the card issuer? And if they don’t, then…

Credit card changes will force parents, college students to rethink expenses

Credit card changes will force parents, college students to rethink expenses

When it comes to managing money students headed to college this fall face a new financial landscape . Not only that families are now on a tighter budgets, but the new credit card legislation that has been passed this year has started challenging how …

Match Your Card and Lifestyle: Credit Cards on the Web

Match Your Card and Lifestyle: Credit Cards on the Web

You can not only find card deals on the Web, sign up for them and have your card in the mail to you on the same day but you are also able to take care of card business online.There are several card companies that have their web sites that make you able to do…

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