Entries from March 2008
Just a few days left till the day when your laces suddenly get untied nearly every hour, your sweet ice tea gets salty, and your watch is an hour slow. The fool’s day is all pranksters’ favorite holiday. And when your friends, work-mates, or family members play innocent jokes on you, it is ok. You can just laugh together with them.
But when it comes to some serious and important issues, like your job, real estate, finances, etc., you are not likely to stay in a laughing mood, and keep your sense of humor, if something threatens your wellbeing. That is why such hoaxes as “Man! Why the hell are you jacking off here?! Your house is on fire!”, or “Buddy, … (more) March 26, 2008
Posted in Credit Card General, Identity Theft 
2 Comments »
March 21, 2008 | Prepaid
In one of the previous articles you could find out about the peculiarities of prepaid credit cards. In this article you will learn about the types of prepaid offers.
Prepaid Credit Cards for Students
Prepaid offers can become a god alternative to student credit cards. They give all advantages of owning a regular credit card, except for an option of nearly unlimited money spending. You will, probably, say that it is some kind of joke – the conception of credit cards is to give people more opportunities without actually having enough funds to buy something. And poor kids are deprived of this chance.
I will have to disagree with you. A young, inexperienced student with a credit line of a couple of thousand … (more) March 21, 2008
Posted in Prepaid 3 Comments »
And once again about your credit report. This issue is inexhaustible, as credit report is one of the key components of your financial standing. And good credit report makes you a welcome client for every credit card company, and makes you eligible for excellent and good credit cards.
Whenever you turn to a lender trying to qualify a credit, loan, or mortgage, or even intend to rent an apartment, get insurance, or secure some types of employment, they turn to your credit score, credit history and credit report. Where do they get information of this kind? Right. They contact one or more credit bureaus. I will remind you that the three major ones in the US are Equifax, Experian, and TransUnion. … (more) March 18, 2008
Posted in Report and Score 3 Comments »
There are two inevitable things in America – death and taxes, you know. And some people at times would rather choose the first. A federal income tax in the US eats up quite a sufficient part of your earnings. Russians, for instance, have 13% income tax rate. But still the tax evaders’ rate is pretty high over there.
Some of the top US credit card issuers decided to sugar the bitter taste of tax payers’ money loss.American Express and Discover now offer rewards points, cash back, or airline miles for those who pay income taxes with their credit cards.
AmEx offers 1 Membership Rewards point for almost every dollar charged for your tax. Chase United Mileage Plus Visa rewards program gives you … (more) March 14, 2008
Posted in Credit Card General, Rewards Credit Cards 2 Comments »
Interest, fees, and penalties are creditors’ bread and butter. They are an integral part of benefits and conveniences that credit cards give you. They are like a small nasty fly that has stuck to your spoon with some really nice nectarine jam. They can poison the enjoyment. But if you are careful with your jam pot, you can indulge yourself.
Actually, it is ok to pay $ 15 once a year if you re late with your monthly credit card payment, no matter what balance you carry on your plastic. You will not go bankrupt. But imagine that your late payment fee is tied to your balance. In this case you will, probably, would not want to make even the smallest … (more) March 11, 2008
Posted in Credit Card General 2 Comments »
March 4, 2008 | Prepaid
Some people call prepaid credit cards, along with secured plastics, fake credit cards. These types of cards actually do not provide credit. They just allow you to use your money you have deposited. But is it a ground for regular credit card holders to consider prepaid credit owners odd men out?
The statistics shows that about 50 million US citizens are unable to get approved for a credit card. Most of them are young people with no credit history, or those with a blemished credit report. And prepaid or secured credit cards are nearly the only opportunity for them to establish or rebuild a credit history.
To qualify even for a bad credit card offer you are to meet a number of … (more) March 4, 2008
Posted in Prepaid 3 Comments »
