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 Credit Cards, Credit Card General, Credit Card Tips, Student Credit Cards Comments Off

If traveling is your thing then most probably, it is also your thing to sign up for frequent-flier programs. Planning to do so or have already tried, these tips can still add excitement to your quest for an almost cashless take off.

Value over want. You may already be very excited to fly but this is not an excuse to overlook options and not get the best deal you could get. Yes, you may really want to get to that particular destination but think — is there a greater offer that can take you to a better place that would allow you to maximize your reward?
Be an early bird. Browse the internet and you’d find shocking news (in fact, you may … (more) May 24, 2009

Posted in Credit Card Tips Comments Off

No matter how hard you would want to avoid incurring uncalled for credit card debt, this seems to be almost impossible with the skyrocketing credit card interests that come with each purchase you make using your plastic. Applying for a credit card with a zero interest rate may appear very appealing in this case but before you go ahead and jump on the first offer that comes your way, read on to see through the two faces of zero percent interest credit cards.
This option is commonly made available by credit card providers through introductory offers. The terms will depend on your overall credit history, credit limit, and the company itself. Therefore, if you have bad credit records and you need … (more) May 23, 2009

Posted in Credit Card Tips, Low Interest 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 Credit Cards, Credit Card Advice Comments Off

A lot of people have bad credit and this may be due to a lot of things. If you are one of those, here are some measures that you can take on.
First, you have to fix the source of your credit problem. Most commonly, people deal with money flow. When income can no longer support expenses, then implement a budget. Take into consideration the common expenditures that you make. Compare the expenses to your total income. From here, you can get an idea of how you will limit your spending.
Your credit report should be clean. You can get these from bureaus, like Equifax, Experiean, and TransUnion. You have the right to receive your credit report. If you find faulty information … (more) May 21, 2009

Posted in Bad Credit, Credit Card General Comments Off

With our economic crisis, many people have incurred a bad credit rating with their credit card companies. Having bad credit score records could have several consequences. You might end up having to get bad credit credit cards. Here are some effective tips to improve your credit score quickly:
1. Learn to manage your own finances.
Try your very best to save money as much as possible since you do have bad credit at the moment. Do not make your situation worse. Pay all your bills with cash and do not rely on credit lines. You should learn to save money to pay for debts. Saving money could help you pay dues on time. Self-discipline is necessary to manage your own finances.
2. Pay … (more) May 20, 2009

Posted in Credit Card Tips Comments Off