My mother who has not recovered yet from the fact that her youngest, my brother, has gone to university in the other big city is now in the midst of another decision to make. My brother asked if he can now have his own college student credit card. My mom is pretty apprehensive because it is a decision she thinks needs total attention.
To plead his case, my smart brother sent mom a document wherein he enumerated reasons he should be allowed to have his own college student credit card. I guess he went online and found a number of good reasons for our mother to give in.
He said he is going to get one anyway. There is a study that … (more) November 30, 2009

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A lot of small businesses spring about every year, but a number of business owners still do not have at least one small business credit card. There are various reasons for this. First of all, businessmen fear that they may not be able to control the spending and mix personal expenses with official ones. They also think that it is complicated to apply for one under this new entity. Moreover, business owners also worry that finance and interest fees are higher, thus, will cost more. In some cases, they do not see the need because only a small number of purchases require plastic. In addition to that, owners feel more in control of the spending when checks are issued instead … (more) November 29, 2009

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I will be honest and say that I am technically bad at managing the many credit cards that I used to have. Yes, I had to ditch a few before I got all insane thinking about all the bills! You may consider me a typical American – about ten plastics under my account! I found them necessary for my online purchases, and for when I travel for work which is more often than the average person. I was in misery every month, just juggling between work, family, and personal finances! I came to a point where I had to set my foot down and clear my accounts before it was too late.
It all started when I literally hoarded offers for … (more) November 28, 2009

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Many consider applying for low APR credit cards without actually checking into it deeper. Since these offers have been available for more than fifteen years, people consider it the saving grace from debt. Low or zero percent interest rates seem a good deal, especially since regular interest rates fall to as much as 18% annually or higher.
There are facts about low APR credit cards that debtors fail to see: one is that the offer expires after a certain period of time. Some consumers are enticed easily, thinking that these offers are the answer to accumulating debt. It must be noted that this low offer is just an introductory price, a lure to switch and transfer balances. A person who would … (more) November 27, 2009

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It is typical for a credit card company to advertise zero percent or interest free credit card. Some regard this offer as too good to be true, but at the same time it sparks their curiosity to find out whether this advertisement is real as it sounds.
An interest free credit card started making noise in the early 80s. It is during this era that interest free cards were introduced. This kind of credit card is actually a trick since there is no such thing as an interest free credit card. As you all know, a cards’ lifeblood and existence is entirely dependent on interests charged to users. Some cards can waive interest fees, but only during introductory period. This period … (more) November 26, 2009

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When you are on the look out for new cards to try, its features may matter the most. Rewards cards can be in the form of low interest or cash back cards. People with high credit scores can easily get a rewards card with 0% APR. The 0% APR is usually for introductory stages only which lasts for 1 year.
It is necessary to refer to your lifestyle when choosing the best credit card for you. There are a lot of credit cards in the market from which you can choose. Among these cards are rewards cards which are fast becoming known. If you try to search the internet, you will be amazed on how many rewards cards are in existence … (more) November 25, 2009

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