By Susan M. Keenan (C)2007
Debt might be a fact of almost everyone’s life, but it doesn’t have to be a fact of yours.  Once upon a time, people actually lived within their means, simply because they had no other choice.  What do you think would happen if you began to think along those lines?
Just imagine that credit cards, installment loans, home equity loans, and extended payment options do not exist.  Throw away your credit cards, but destroy them first.  Pay off your credit card bills.  Cancel all of your credit cards.  Pay down any installment loans and avoid acquiring any new ones.  Even if you are only imagining this scenario, imagine how much cash you could free up if you … (more) May 31, 2007

Posted in Credit Card Advice, Credit Card Tips Comments Off

By Susan M. Keenan (C)2007
Operating a successful small business involves quite a few different facets including acquiring reliable financing. This is essential not only to launching a small business, but also, to circumventing potential problems. A small business credit card acquisition can be crucial to simplifying your accounting policy, tax filing paperwork, the success of the business, and more.
All business purchases should be made with business funds, whether the business owner uses a credit card, checking account, or cash.  Personal funds should not be involved and therefore, using a personal credit card is simply not a viable option.  Sure, it’s easy, but it does muddy up the waters.
Payroll expenses, business inventory acquisitions, petty cash expenses, and operating expenses should all … (more) May 31, 2007

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Tired of comparing credit cards and calculating the rewards earnings? American Express, Citibank, Discover, Bank of America, and other credit card companies offer dozens of competing Visa, MasterCard, AmEx, and Discover cards. Their reward policies for cashback/rebate, frequent flyer airline miles, and points are a complex mix of tiers, limits, categories, and earning percentages.
The Credit Card Rewards Wizard (http://tools.creditcardflyers.com) tool makes all of that easier. Simply estimate how much you spend each month, press Enter, and you’ll be presented with a list of recommended rewards cards with estimated reward earnings.
I also grabbed an example of how much reward earnings you can get from Blue Cash from American Express.
So what reward cards do you carry right now? Find out yours >>>
Blue … (more) May 25, 2007

Posted in Credit Card Tips, Rewards Comments Off

These days, having good credit is more important than ever. A bad credit rating can prevent you from obtaining the things that are important, like car insurance, a house, a car, or even a job. If you have you been unfortunate enough to experience late payments, judgments, charge-offs, or possibly even bankruptcy that have made your life a living hell, don’t despair; all hope hasn’t been lost. With a little bit of time, patience and persistence, you can rapidly boost your credit score 25, 50, or even 100 points.
How can you get your credit rating back to an acceptable point? Well, there are several ways to achieve this goal. First of all, you need to obtain a copy of all … (more) May 22, 2007

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Not everyone has perfect credit. As a matter of fact, most people have had instances where it was difficult to pay the bills on time or some other problem that has affected their credit. However, just because your credit history is a little tarnished doesn’t mean that you can’t get a credit card.
If your credit score is particularly low because of little or no credit you may be limited in your choices for a credit card, but it is still possible to obtain one. Your credit score isn’t the only thing that a provider will look into when you apply for a credit card.
Lenders take several things into consideration when deciding whether or not to approve a credit card application. … (more) May 17, 2007

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Offer Details
Use your MasterCard(R) card and save $10 off a minimum purchase of $39.99* including gourmet baskets, elegant candies, unique novelties, fine giftware, and the prettiest flowers and plants in the world.
How Do I Get It?
To redeem this offer, simply call 1-800-FLOWERS (1-800-356-9377), 24 hours a day, 7 days a week and mention code MAST33. Or visit www.1800flowers.com and enter code MAST33 at checkout. Promotional period from January 1, 2007 through December 31, 2007.
Savings Code
MAST33
www.1800flowers.com
Terms & Conditions
* Exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability and delivery rules and times. Items can be ordered online and by phone only. Offer cannot be combined, may not be available on all products and … (more) May 16, 2007

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