College is a very exciting phase of one’s life. There are lots of things going on — academic related activities and parties are two of the most common things college students are likely to have on their planners. However, as nothing is free in this world, these activities would also require students to spare a couple of bucks to keep moving and not be left behind. Unfortunately, not everyone would be able to catch up when it comes to cash-related matters. Good thing student credit cards are just hanging around.
Students above the age of 16 can already take advantage of this offering. A careful examination of how it works would be necessary though, as student credit cards mark the start … (more) June 4, 2009

Posted in Choosing Cards, Credit Card General Comments Off

The idea of credit cards has been around longer than that of bills. The first forms were called credit markers. These markers indicated different amounts that were borrowed. Later on, business establishments adopted the concept and introduced prepaid charge cards to insure loyalty from their customers.
It eliminated traveling around with large sums of money and provided security for customers. The downside is that not all parts of the country had the same establishments that the owner has subscribed to. Hence, individuals at that time had to get 12 cards or more, especially those who travel a lot.
The modern credit card, designed by Frank McNammara, enables every purchase in various stores and business establishment to done using only one card. This … (more) May 28, 2009

Posted in Choosing Cards, Credit Card Advice, Credit Card Tips Comments Off

One of the most difficult tasks to do is to compare one product from another. Maintaining objectivity is something that is not easy to do, especially if you are a user of one of the products that you would have to compare. Comparison on the use of prepaid cards, debit cards, and gift cards is no different. But I’d rather break a leg than not be able to tell you the pros and cons of these emerging payment methods.
Nothing bad can be said about prepaid cards when it comes to the consequences of misusing them. If you haven’t loaded money into your prepaid account, then you can’t use it. The way it works is not for everyone though because as … (more) May 25, 2009

Posted in Choosing Cards, Credit Card General, Credit Card Tips, Student Comments Off

Tired of reading through blogs and articles that all seem to point out that it is best to freeze your credit card to death than to keep it with you at all times? Don’t you worry — this won’t do the same.
As a plastic user, I have already exhausted all the possible means to find out how I can make the most out my card. I have done my own research and reading. I have even gone the extra mile by talking to my creditors. While it is really wise to just not own a credit card and just live within my means, I just can’t. I am already as dependent as you are.
What separates me from the lot is … (more) May 22, 2009

Posted in Choosing Cards, Credit Card Advice Comments Off

You may not know it but there are actually ways that you can significantly lower your credit card interest rates. This is actually a welcome option for anyone today, with the global recession affecting practically everyone and all. So, just how do you do this exactly? You have three easy options for this and each is discussed in depth below.
First, you should browse the market and look for credit cards at 0% APR interest rate. This is actually one of the first and obvious things any credit cardholder should do. Sadly, not too many do not really take the time to look for such credit cards, which is really unfortunate because this can help a lot. Most of the time, … (more) May 16, 2009

Posted in Choosing Cards, Credit Card Tips Comments Off

After years of consumers racing headlong into debt, many people have learned the hard way that not knowing the terms of your credit card agreement can be detrimental to your finances. This is partly the fault of card holders who eagerly applied for and used credit without thought for the consequences. The credit card companies are not without blame as they often used less than forthcoming marketing techniques to target consumers that really shouldn’t have credit in the first place. As a result there are major changes taking place within the credit card industry. Consumers looking for credit in the future will have a harder time finding good credit card offers. Knowing what to look for will be the first … (more) May 9, 2009

Posted in Choosing Cards Comments Off