Traveling abroad has been one of the many dreams of a number of people. This scenario is definitely very ideal to many students, workers, business personnel, housewives, or a particularly community which seeks a certain degree of relaxation once in a while. One of the problems that occur when it comes to fulfilling such scenarios is the possibility of lugging around, not only your luggage, but also a handful of cash to use when once purchases souvenirs or necessities abroad. Apart from that, a lot of people generally find it exasperating to go through money exchange processes in foreign countries. Oftentimes, this becomes very frustrating that it eventually ruins a vacation! How do we respond to such situations?
The best thing … (more) September 17, 2010

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Let’s face it: Buying on impulse is one vice almost all of us are guilty of. We do it all the time while [supposedly] window shopping, web surfing or going away on vacation, leisurely through bazaars or browsing for curios at souvenir shops. The temptation to buy on impulse is ever so stronger nowadays, with more and more people relying on their credit card for impulse purchases, particularly online. Sniping at that rare souvenir mug on eBay? Guilty. Huge discounts on Mafiawars mystery crates? Maybe that premium chalet for Farmville only for 99 FV cash? Guilty as charged. Dare I mention a huge selection of various gadgets and doodads you can only get online, or gaining bragging rights for being … (more) September 3, 2010

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Do you like buying stuff from online auction shops and E-stores every so often? Are you compulsive shopaholic who grinds that credit card (or cards, whichever applies)? If your finances are a bit well off, (meaning you do little or no borrowing from your savings or from someone else’s savings just to make ends meet) and you’ve got a sterling credit card rating, Here’s a tip: Ask your credit card company for their cash back credit card options, or switch to a company (like Discover or American Express) that does. Why? Only for a simple reason, free cash! Yep, you heard me right folks: cold, hard moolah. All yours for the taking, you want more good news? It’s tax free. 
Cash … (more) September 1, 2010

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Credit card companies have long been making all sorts of changes when it comes to their terms and conditions. The sad fact about this is that not too many clients are actually aware that these changes are taking place. This then should serve as motivation to be aware of the existing changes and then contact your credit card company to inquire about such changes. Yes, it would really help to contact your credit card company ?quite effective if you want to reduce your interest rates. And believe it or not, one of the common reasons credit cardholders do not have lower interest rates is the fact that they just neglect their right to negotiate and ask for such rates outright.
But … (more) June 9, 2010

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Credit card companies have come up with rules and disclaimers saying that they hold the right to change some of their agreement terms as they see fit at any given time. These are strategically included in the fine print of your usual 32-page booklet. Yet, most people do not really pay attention to the fine print and it is only when minimum payments are doubled that most, and still not all, would realize the importance of reading the fine print.
These increases in interest rates can happen even when you have been diligent and on time with your payments. And when you do contact customer service, the representatives would just say that you accepted the new terms when you etched your … (more) June 7, 2010

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You probably have heard many times that to get the best credit card, you need to do intensive research. It could be done online or offline. However, the thing is that you should not settle for one prospect provider or accept what seems to be an attractive offer. By taking time to do research, you will save regrets after seeing that there are more favourable offer compared to what you accepted.
One of the primary considerations in choosing credit card is its low interest rate. It could be an introductory offer or it could be a seasonal offer. If you accept the offer taking into account other benefits of the card, then you need to stick to it as card hopping … (more) July 26, 2009

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