Low APR credit cards are offered everywhere in the internet. It is the annualized percentage rate of the credit card charges.  The lower the APR, the more advantageous it is for you. Though you intend of paying the card purchases before the end of the month, having minimal APR still makes your finances easier to handle. APRs differ from one company to another. Oftentimes, credit cards with low APR are only offered within limited period. Aside from looking at the low interest offer, you should look at the period of the offer. The longer the period of the low interest offer the better.
For you to handle the credit based on the offered APR, this is what you should consider:
Look at … (more) July 27, 2009

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Shopping is my past time. I also consider it the best anti-depressant on earth! I can literally open the mall and close it beyond mall hours!
There’s something about shopping that keeps me in high spirits. Perhaps it is the smell of the sweets and all sorts of food. It may be seeing other people enjoy or the cheerful mood of the mall itself. All I know is that I can spend the entire value of my month’s paycheck when I am in a mall.
I am at my worst shopping mode during paydays. Armed with my hard-earned money and my two plastics, I know nothing could go wrong on such a fine day. I never calculate so I don’t worry. I … (more) June 14, 2009

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Are you a new credit cardholder? Most probably not, as I have not known a single person beyond 16 years of age who would claim such. Almost everybody now has plastic in their wallets. But listen — you may not be new to credit cards but I tell you, you may be acting like one.
Don’t get me wrong. This is not your typical blog about the improper use of credit cards and the harms of not having enough self-control can cause on your financial freedom. I am not here to give you a bunch of warnings that I am sure you are not going to follow anyway. I am here to end your ignorance so even if you overspend (and … (more) June 12, 2009

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Having a credit card can overly tempt you in buying things, especially when being in shopping malls. The illusion of not spending money at all can be illustrated in using cards. The convenience of just giving the card, swiping it, and putting it on credit can be exhilarating – compared to paying the merchandise in pure cash. This can be dangerous to consumers who are overly enthusiastic when it comes to obtaining material things related to their interests.
From my experience, there are two types of buyers: impulse and practical buyers. Impulse buyers are those who, when having seen something that fancies him/her, will immediately buy the merchandise without even thinking of the price tag or the related consequences. Meanwhile, practical … (more) June 9, 2009

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The credit card is one of the most innovative ideas introduced to men. Purchases and payments are made in seconds. It eliminates the hustle of reaching into your pocket to get your wallet. This convenience is what attracts individuals into getting their own card.
With credit cards, owners are pretty much empowered with the opportunity to buy anything and submerge themselves in a day with nothing to do but shop. But one needs to be careful when going on a shopping spree for oftentimes, people get carried away by the thought of having what they want at the palm of their hands.
Postpaid credit cards are often overused, especially those that have high credit limits. It is a good thing if you … (more) June 6, 2009

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Credit ratings are very important when we apply for loans. How we fare in our credit scores would tell the lender how we do in paying our debts and would tell if we would be able to pay off for the loan. Credit ratings also help the lender determine how much interest rate he is going to charge: the higher our credit scores are, the lower our interest rates will be and the bigger our savings.
So, how does one end up having bad credit?
When we fall behind repayments of a loan or a debt, arrears can start to pile up and our credit scores start spiraling down. This could be a very hard time for us, especially when there are … (more) June 5, 2009

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