"Marrying for love may be a bit risky, but it is so honest that God can't help but smile on it."Josh Billings
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Going Mobile (Part 2): How to Get In on the Wireless Revolution (without Credit Checks or Commitment
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Information About Debt Consolidation Loans with Bad Credit
Finding debt consolidation loans with bad credit can be quite a task. after all, a lot of lenders don't want to take a risk on someone who is such an obvious credit risk. Luckily, however, a lot of lenders will take that risk; it's simply a matter of ...
The Facts About Getting A Bad Credit Second Mortgage!
A bad credit second mortgage is a specialist area and it pays to know the facts before you begin looking for advice. What is a Bad Credit Second Mortgage? A bad credit second mortgage, also known as an adverse second mortgage, is a loan that is taken ...
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0 APR credit cards are here to stay. Now that we're well into the New Year we've learned (again) the lessons of the festive season. Zero interest credit is a nice idea, but why not extend it beyond your present credit card to the next, and the next. This seven point checklist will assure the clever consumer of having that constant low APR credit for years to come.
1. Read the small print. Make sure it matches the offers on the credit card's advertising copy. In particular, check for clauses that differentiate between purchases and cash transfers, or even cash withdrawals. Check that the card doesn't stipulate a ratio between purchases and cash, charging an excess if the cash activity rises above the purchase activity (that is usually the way it is biased, but check to make sure).
2. Keep to the agreed credit limit as specified in the agreement. Do not exceed the balance limit as specified on your original agreement, or that'll be the trigger for extra charges.
3. Pay at least the minimum charge in full. Even better, set up a standing order or direct debit with your bank. You can arrange to have the minimum paid directly and electronically from your bank account every month.
4. Avoid late fees by paying on time. There is a danger with people who have the benefit of a 0% APR credit card that they will tend to become complacent about it and forget to pay it. Yes, it does happen. But every time a payment is received late credit card providers can and will charge a late fee. This can add up, especially if someone is habitually late. Again, an automatic direct debit from your bank account is the best answer.
5. Factor in any extras in the agreement, as stated in the small print (which you will have read). For example, an annual charge may be applied to offset the 0 APR. Some 0% APR cards do this but others do not. Bear in mind that the whole APR concept was meant to level the playing field as far as extra charges were concerned. By paying an annual charge for your card you are not truly getting a 0 APR card.
6. Make sure you have in mind a new low interest or 0 APR credit card waiting by to which you can transfer the balance of your present credit card. Why have 0 APR credit for 6 months or 12 months when you can have it for years and years? Always check the press and financial columns for new deals and credit card offers with this in mind. Join an Internet forum that specialises in such matters.
7. Make sure that you transfer the balance of your existing credit card to your new credit card in full and on time. In particular, allow for time to process the balance transfer and for all the paperwork involved (yes, even in the age of the Internet there is still a certain amount of paper involved!) and be careful to check that the opening balance allowed on your new 0 APR credit card is at least the same or exceeds the balance that you wish to transfer from your existing credit card, or the shortfall will cost you money!
About the author:
Gordon Goodfellow has a background in marketing research and is an Internet marketing consultant and technologist who lives and works in London, UK. His credit card sites automatically alert customers about 0 APR credit cards . The US equivalent site is http://www.credit-card-transfers.com
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 PayPal to Offer Holiday Credit Lines - Wall Street Journal
At a time when money is tight, eBay Inc.'s PayPal unit plans to offer consumers credit lines for online holiday purchases in a bid to expand its online-payments business. Starting Friday, PayPal will test a service offering a line of online credit to ...
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THE amount of money racked up on credit and charge cards rose almost 8 per cent in September, figures from the Reserve Bank of Australia (RBA) show. Australians spent $19.191 billion on their credit and charge cards in September, compared with $17 ...
Photo credit: ITA - Midwestbusiness.com
CHICAGO – Less than two years after selling 700-employee technology consulting firm Greenbrier & Russel to Fujitsu, Eric Wasowicz began shopping for a new deal. The 51-year-old native of Chicago’s River Grove neighborhood became overstocked with ...
Foreign banks recall $3bn credit line from Nigerian banks - Vanguard
In an apparent bid to shore up their balance sheet in response to the global financial crisis, Foreign banks acting as correspondent banks to Nigerian banks recalled about $3 billion credit line from their local counterparts banks in the month of ...
FBI, local authorities continue search for robbers of Lordstown credit ... - Vindicator
LORDSTOWN — The FBI, U.S. Marshal’s Service and local authorities continue their investigation into the robbery at Cavalier Federal Credit Union, 2255 Salt Springs Road. John Stoll, a supervisory special agent with the FBI in Youngstown ...
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