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Should I Consolidate Credit Card Debt, credit card consolidation.#Credit #card #consolidation

Should I Consolidate Credit Card Debt?

If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation.

Read on to learn more about whether credit card debt consolidation is right for you.

(To learn more about managing credit card debt, see out topic on getting out of credit card debt.)

What Is Credit Card Debt Consolidation?

Consolidating your credit card debt essentially means combining all of your debt into a single loan or paying your creditors through a single monthly payment. You can do this by taking out a consolidation loan or using a debt consolidation or management company.

How Does Credit Card Debt Consolidation Work?

When you obtain a debt consolidation loan, you pay off all of your outstanding credit cards with its proceeds. This means that instead of owing money on multiple credit cards, you now have a single obligation. The amount of your monthly payment will depend on the total amount, interest rate, and payment terms of your consolidation loan.

Should I Use a Debt Management Company to Help?

There are thousands of companies that claim they can help you consolidate or manage your credit card debt so that you pay less or reduce your payment.

Typically this is how these companies work: Instead of obtaining a new loan to pay off your credit cards, the debt management company tries to negotiate with the credit card companies to reduce your interest rates or otherwise lower your monthly payments. Each month, you make a single payment to the debt consolidation firm and it distributes a portion of your payment to each of your creditors. Usually, it also keeps a portion (or sometimes all) of your payment to cover its own fees.

While there are some legitimate companies that provide this service for a very low fee, many companies charge huge fees and do little on your behalf.

(You can learn more about debt management and debt negotiation companies in our Debt Settlement Negotiation topic area.)

Is Credit Card Debt Consolidation Right For You?

Below are some of the main factors you should consider when deciding whether consolidating your credit card debt is in your best interest.

Can You Afford to Pay Off Your Credit Cards?

Consolidating your credit card debt does not eliminate it. Even if the consolidation reduces your monthly payment, you still have to pay off all of your debt. So if you don t have regular income or can t afford your monthly payment, consolidating your credit card debt will not help you get back on track.

If you can t afford to pay off your credit cards, consider other alternatives such as debt negotiation (which can reduce the balance on your credit cards) or bankruptcy.

Will Consolidating Your Credit Card Debt Reduce Your Interest Rates?

One of the main benefits of consolidating your credit card debt is getting a reduced interest rate. Reducing your interest rate allows you to lower your monthly payment and pay off your debts sooner. As a result, if you can t lower your interest rates by consolidating your credit card debt, then it is probably not worth the extra cost and fees you will have to incur to do it.

Will It Take Longer to Pay Off Your Debt If You Consolidate?

By consolidating your credit card debt, sometimes you can significantly reduce your monthly payment. However, don t assume that your payment went down solely because of a lower interest rate. If your new monthly obligation is substantially lower, it usually means a longer repayment term.

If your repayment term is extended when you consolidate, it may take you significantly longer to pay off your credit card debt. While it may be nice to have a more manageable monthly payment, it also means paying more interest over the life of the loan. Review the terms of your consolidation carefully before deciding that it is the right choice for you.





Credit Card Consolidation, credit card consolidation.#Credit #card #consolidation

Credit card consolidation: Is it for you?

Although it sometimes feels like it, having credit card debt is not the end of the world. People who have a lot of credit card debt often consolidate their outstanding balances into a single, lower-interest loan to pay down their loans in less time. Credit card consolidation means that your debt across multiple credit cards is merged, giving you one monthly payment.

Credit card consolidation using a balance transfer

Using a balance transfer is one of the most common ways to consolidate credit card debt. This method requires you to open up a new credit card account to which you move your existing credit card balances. The new account might come with a lower interest rate, such as a promotional period with zero percent interest for up to 21 months.

The new credit card sets the limit for how much of the balance you can transfer to it, and the amount you qualify for depends on your credit score and income. Due to these limits, balance transfer cards are ideal if you have a smaller amount of debt. Before you apply for a balance transfer, however, you should be aware of what the new card’s annual percentage rate (APR) will be once the promotional rate ends. Most balance transfer credit cards charge a fee for transferring a balance from another credit card.

Consolidation using a personal loan

Taking out a personal loan is recommended for consolidating debts totaling over $15,000. Banks and other financial institutions offer personal loans to help people deal with outstanding credit card debt. The effectiveness of this method depends on the terms of the loan offer.

The benefit of this method is that it provides a higher credit line, sometimes $35,000. In addition, because these are not revolving loans, you don’t have to worry about credit utilization from this loan affecting your credit score. Just like credit cards, personal loans are typically given out based on your credit history and score. This means that the loan terms depend a lot on your credit history.

Some personal loans come with a prepayment fee, a charge for repaying the loan ahead of schedule. It’s also important to make sure you’re paying a lower interest rate than what you currently pay for your credit cards.

Consolidating with a home equity loan

Using a home equity loan to consolidate credit card debt is possible but not usually recommended. While you may be able to consolidate credit card debt at a lower interest if you borrow against the equity in your home, doing so could put you at risk. A home equity loan uses your house as collateral. If you fail to make payments, the bank can seize your house.

Besides being risky, a home equity loan comes with a lot of fees, which can increase the cost of the loan. These include things like home appraisal fees, annual fees, origination fees, and more.

Before you do anything …

Before getting a new loan or line of credit to consolidate debt, consult a nonprofit credit counselor. It’s also a good idea to ask your credit card issuer if it offers any hardship programs. If you are faced with extenuating circumstances, such as an illness or unemployment, some banks are willing to offer a special payment plan with a low interest rate.





Should I Consolidate Credit Card Debt, credit card consolidation.#Credit #card #consolidation

Should I Consolidate Credit Card Debt?

If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation.

Read on to learn more about whether credit card debt consolidation is right for you.

(To learn more about managing credit card debt, see out topic on getting out of credit card debt.)

What Is Credit Card Debt Consolidation?

Consolidating your credit card debt essentially means combining all of your debt into a single loan or paying your creditors through a single monthly payment. You can do this by taking out a consolidation loan or using a debt consolidation or management company.

How Does Credit Card Debt Consolidation Work?

When you obtain a debt consolidation loan, you pay off all of your outstanding credit cards with its proceeds. This means that instead of owing money on multiple credit cards, you now have a single obligation. The amount of your monthly payment will depend on the total amount, interest rate, and payment terms of your consolidation loan.

Should I Use a Debt Management Company to Help?

There are thousands of companies that claim they can help you consolidate or manage your credit card debt so that you pay less or reduce your payment.

Typically this is how these companies work: Instead of obtaining a new loan to pay off your credit cards, the debt management company tries to negotiate with the credit card companies to reduce your interest rates or otherwise lower your monthly payments. Each month, you make a single payment to the debt consolidation firm and it distributes a portion of your payment to each of your creditors. Usually, it also keeps a portion (or sometimes all) of your payment to cover its own fees.

While there are some legitimate companies that provide this service for a very low fee, many companies charge huge fees and do little on your behalf.

(You can learn more about debt management and debt negotiation companies in our Debt Settlement Negotiation topic area.)

Is Credit Card Debt Consolidation Right For You?

Below are some of the main factors you should consider when deciding whether consolidating your credit card debt is in your best interest.

Can You Afford to Pay Off Your Credit Cards?

Consolidating your credit card debt does not eliminate it. Even if the consolidation reduces your monthly payment, you still have to pay off all of your debt. So if you don t have regular income or can t afford your monthly payment, consolidating your credit card debt will not help you get back on track.

If you can t afford to pay off your credit cards, consider other alternatives such as debt negotiation (which can reduce the balance on your credit cards) or bankruptcy.

Will Consolidating Your Credit Card Debt Reduce Your Interest Rates?

One of the main benefits of consolidating your credit card debt is getting a reduced interest rate. Reducing your interest rate allows you to lower your monthly payment and pay off your debts sooner. As a result, if you can t lower your interest rates by consolidating your credit card debt, then it is probably not worth the extra cost and fees you will have to incur to do it.

Will It Take Longer to Pay Off Your Debt If You Consolidate?

By consolidating your credit card debt, sometimes you can significantly reduce your monthly payment. However, don t assume that your payment went down solely because of a lower interest rate. If your new monthly obligation is substantially lower, it usually means a longer repayment term.

If your repayment term is extended when you consolidate, it may take you significantly longer to pay off your credit card debt. While it may be nice to have a more manageable monthly payment, it also means paying more interest over the life of the loan. Review the terms of your consolidation carefully before deciding that it is the right choice for you.





California Housing Finance Agency, CalHFA, how can i apply for a credit card.#How #can #i #apply #for #a #credit #card

CalHFA supports the needs of renters and homebuyers

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  • Press Release 2017-09-14 – Michael Carroll is CalHFA s New Director of Multifamily Programs
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  • Program Bulletin #2017-09 – Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
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  • Press Release 2017-07-11 – CalHFA Helps Hundreds with Free Homebuyer Education
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Hardship Foreclosure Assistance

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How can i apply for a credit card

  • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

Other Information

  • How can i apply for a credit cardThe California Victims Compensation Board is available to help California victims of the October 1 shooting in Las Vegas. If you’ve lost a family member, been injured or attended the Route 91 Harvest Festival where this terrible tragedy occurred on Sunday night, CalVCB can provide financial assistance. Visit the California Victims Compensation Board website and news release for more information.
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Find the best credit card deals and providers – Which, credit card finder.#Credit #card #finder

Credit cards: Which? Money Compare

Whether you re looking for balance transfer deals, credit cards for bad credit or cards that let you make interest-free purchases, we can help.

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The Which? Money Compare credit card comparison tables have been created to give you a transparent and impartial way to compare all the best credit card deals from all providers in one place. This is complemented by Which? s unique customer satisfaction ratings, which tell you how thousands of people rate the quality of the service you ll get from a credit card provider.

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With more than 50 years experience providing independent expert advice to consumers, you can rest assured that our credit card information and advice is 100% unbiased and from an organisation you can trust.

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We don t carry advertising and we don t allow providers to pay to optimise their search results. Our tables are updated three times a day. The data service is provided by Runpath (Runpath Group Limited, a registered company in England Wales, Company Reg No: 07406032 Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG), together with the Which? Customer score. This score is based on research carried out by the Which? Money editorial team and reflects the quality of service you’ll get from the provider you choose. Runpath has no influence on these ratings.

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Financial Calculator, Free Online Calculators from, which credit card.#Which #credit #card

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How to React If Your Credit Card Company Sues You – ABC News, business credit card.#Business #credit #card

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When Your Credit Card Company Sues You

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Whether the notice comes in the mail, or is delivered to your doorstep, being told that you are being sued for a credit card debt can be terrifying. For many people, the first reaction is to shut down and ignore the situation. “The tragedy…is not that the consumer was sued but that most never respond,” says Steve Rhode, founder of GetOutofDebt.org who is also working on a research project about lawsuits filed over consumer debts.

If a debtor ignores the lawsuit, however, the creditor will get a judgment against the debtor, which in turn will provide the creditor with additional powers to collect the debt, including seizing bank accounts or garnishing wages, in some states. (Note that in this story we are talking about situations where a credit card company itself sues you – not when a debt collector sues you.)

How to react when you are sued by your credit card company depends on a number of things — including, first and foremost, whether you acknowledge that you owe the debt in question.

If you know you owe the debt and the amount is correct, there are a few different ways this can unfold.

If you can scrape together some cash – perhaps with a loan from a friend or family member, for example, then one option is to pay or settle the debt immediately. “A reduction in balance owed or beneficial repayment terms are entirely possible outcomes,” says Rhode.

But you must act quickly.

“Once sued for collection, get immediately involved in the solution,” says debt settlement expert Michael Bovee, founder of the Consumer Recovery Network. In his experience, consumers will typically have to come up with 60% – 100% of the amount owed to stop the lawsuit, though smaller settlements are possible in some situations.

If you are able to resolve the debt at this point, you must get written documentation from the creditor acknowledging your payment and stating that the lawsuit will be dropped. This is especially true in cases where you are settling the debt for less than you owe. Otherwise, the creditor may say your settlement was a “payment” and still sue you for the balance.

“Be certain you are agreeing to a settlement that will also result in the dismissal of the lawsuit,” Bovee insists. “Settling quickly means you can avoid a judgment damaging your credit report.”

If you know the amount is correct, but you can’t afford to pay or settle it, it’s a good idea to talk with a bankruptcy attorney to find out whether filing for bankruptcy is your best option for dealing with the debt that you can’t afford. If it turns out that bankruptcy isn’t a good option, the attorney can explain to you what may happen once there is a judgment against you.

There Must Be Some Mistake

What if you don’t believe you owe the amount they are trying to collect? Maybe you disputed a purchase but the creditor refused to correct it. Perhaps you believe you were a victim of fraud. Or maybe your balance has just ballooned with bogus charges. Robert Brennan, a Southern California consumer law attorney, explains:

Look at the amount that is being collected and the amount that is being reported (on credit reports) as delinquent. When accounts go into collections, the collections departments frequently tack on fees, penalties and interest which do not belong there. If you see your $2,500 balance suddenly balloon to $5,000, or higher (not uncommon), write a certified letter to the credit card company asking for a detailed accounting of the penalties, fees and interest, along with a copy of the contract that permits the card company to charge these items for a defaulted account. Sometimes the card company will give you the info; most times they will not. If the card company cannot verify the proper amount of the debt, then it can only credit-report the amounts which it can verify, which is usually the principal-plus-interest at time of default. It may not be a big case, but consumers who fall victim to this type of false credit reporting can probably use the Fair Credit Reporting Act to pressure the card companies to at least lower the demand to the principal-plus-interest at time of default.

If you think something is amiss – you are being harassed or the amount you owe has been inflated, for example — you may want to talk with a consumer law attorney with experience in credit and collection issues.

William Howard, a Florida consumer protection attorney with Morgan & Morgan points out that in a few states, including Florida and California in particular, there is a “collection harassment law that allows you to sue “Any Person” (including the original creditor or credit card issuer) directly for harassment such as: collecting one penny not owed, collecting fees they are NOT entitled to such as attorney fees or higher interest, too many calls, calling at work, etc.”

Consumer law attorneys usually offer a free or low-cost consultation, and may take the case at no cost to the consumer since the creditor or collection agency will be required to pay their fees if it turns out they are breaking the law.

While a lawsuit for a debt isn’t something anyone wants to have to deal with, try to keep it in perspective, and focus on resolving it one way or another.

“My advice is to not look at the suit as a negative,” says Rhode. “But as a positive opportunity to negotiate with the lender to work out a solution that might be affordable and beneficial to both parties.”

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.





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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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What is the best credit card to have

6 risky ways to pay off credit card debt

What is the best credit card to have

What credit score do you need for a premium rewards credit card?

Latest Articles

What is the best credit card to have

Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

What is the best credit card to have

U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

Both cards offer bonus rewards in rotating quarterly categories.

What is the best credit card to have

Discover will search for your stolen data so you don’t have to

Issuer will monitor the so-called dark web looking for your Social Security number.

What is the best credit card to have

Current Credit Card Interest Rates

View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

What is the best credit card to have

Capital One VentureOne Rewards vs. Capital One Venture Rewards

Your annual credit card spending will determine which of these rewards cards is right for you.

What is the best credit card to have

Black Friday 2017: Find the best credit card strategy for you

Using the right card can help you maximize rewards and save money while holiday shopping.

What is the best credit card to have

6 reasons why an issuer may close your card

There are ways you can prevent a card closing, but sometimes it’s out of your control.

What is the best credit card to have

Uber’s new rewards credit card zooms ahead of the pack

You may be floored by the souped-up rewards on dining and travel spending.

What is the best credit card to have

Choosing the right credit cards as your family grows

The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

What is the best credit card to have

Best credit card tips for November 2017

These four smart credit card moves can help you gobble up some savings.

RELATED TOPICS

HELPFUL LINKS

Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

Our tools, rates and advice help no matter where you are on life’s financial journey.

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

2017 Bankrate, LLC All Rights Reserved.





Apply for credit cards with bad credit, unsecured credit card for bad credit.#Unsecured #credit #card #for #bad #credit

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Credit Card Offers for Poor Credit Rating

Credit cards are the most up-to-date way to manage one’s expenses. But not everybody has good credit to take the best online card offers. At Rebuild-Credit-Cards.com customers can find online offers for bad credit history, limited and no credit history cards.

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Search for a Credit Card by Bank or Issuer

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Rebuild-Credit-Cards.Com strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that Rebuild-Credit-Cards.Com can be compensated by credit card issuers when the visitors apply for a credit card through the website.

*See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, what credit card should i get.#What #credit #card #should #i #get

Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

What credit card should i get

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Credit Cards – Reviews, Advice & Calculators, what is the best credit card to have.#What #is #the #best #credit #card #to #have

Credit Cards

Learn how the right credit card can become a power financial tool, from paying off debt faster to earning rewards and perks.

What would you like to do?

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Editor’s Picks

What is the best credit card to have

Why 0% financing from retailers can be a bad deal

What is the best credit card to have

Should you use a balance transfer credit card to pay down debt?

What is the best credit card to have

4 tips to maximize your rewards credit cards

What is the best credit card to have

6 risky ways to pay off credit card debt

What is the best credit card to have

What credit score do you need for a premium rewards credit card?

Latest Articles

What is the best credit card to have

Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

What is the best credit card to have

U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

Both cards offer bonus rewards in rotating quarterly categories.

What is the best credit card to have

Discover will search for your stolen data so you don’t have to

Issuer will monitor the so-called dark web looking for your Social Security number.

What is the best credit card to have

Current Credit Card Interest Rates

View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

What is the best credit card to have

Capital One VentureOne Rewards vs. Capital One Venture Rewards

Your annual credit card spending will determine which of these rewards cards is right for you.

What is the best credit card to have

Black Friday 2017: Find the best credit card strategy for you

Using the right card can help you maximize rewards and save money while holiday shopping.

What is the best credit card to have

6 reasons why an issuer may close your card

There are ways you can prevent a card closing, but sometimes it’s out of your control.

What is the best credit card to have

Uber’s new rewards credit card zooms ahead of the pack

You may be floored by the souped-up rewards on dining and travel spending.

What is the best credit card to have

Choosing the right credit cards as your family grows

The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

What is the best credit card to have

Best credit card tips for November 2017

These four smart credit card moves can help you gobble up some savings.

RELATED TOPICS

HELPFUL LINKS

Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

Our tools, rates and advice help no matter where you are on life’s financial journey.

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

2017 Bankrate, LLC All Rights Reserved.





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, what is the best credit card to have.#What #is #the #best #credit #card #to #have

Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

What is the best credit card to have

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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Engineering Services

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Quality Assurance Services

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Catalyst Manufacturing

Infrastructure

Oil, Gas, Water Treatment & Solar Energy

Oil, Gas, Water Treatment & Solar Energy

Oil, Gas, Water Treatment & Solar Energy

Swachh Bharat Abhiyan

  • Invitation for Expression of Interest (EoI) for proposed strategic Disinvestment of Projects & Development India Limited (PDIL) DownloadCorrigendum for EoI for PDIL disinvestment*Details
  • Strategic disinvestment of PDIL- Reply to pre-bid queries raised by Interested Parties (IPs)Download
  • Preliminary Information Memorandum (PIM) for Inviting Expression of Interest (EoI) for proposed Strategic Disinvestment of Projects & Development India Limited (PDIL) Download
  • Press Advertisement for Invitation for Expression of Interest (EoI) for proposed strategic Disinvestment of Projects & Development India Limited (PDIL) Download
  • Observation of Swachhta Pakhwada at PDILDownload
  • GST CELL at PDIL Download

PDIL At a Glance

We are a premier design engineering and consultancy organization, committed towards technological excellence and self-reliance in the growth of the fertilizer and allied chemical industries with associated off site and utility facilities, Oil & Gas Sector viz. Product pipelines, LPG Terminals, Oil terminals, LPG Bottling Plants, LPG mounded Storages, Methanol Plants, Hydrogen Plants and various acid Plants.

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Our Services

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  • Techno-Economic Feasibility Reports
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  • Selection of Process Licensor
  • Check review of Vendor Drawings

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  • Non Destructive Testing
  • Health Study

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To know about our Board of Directors, click on the read more link below.

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Woodward Motors Limited – St, the limited credit card.#The #limited #credit #card

Woodward Motors Limited – St. Anthony – a Buick, Chevrolet, GMC vehicle for every lifestyle

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Price: $58,630*

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Price: $58,490*

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Woodward Motors Limited – St. Anthony – We’re St. Anthony’s Choice Buick, Chevrolet, GMC Dealer

At Woodward Motors Limited – St. Anthony, our entire team works together to provide you with the ultimate Buick, Chevrolet, GMC shopping experience. We are here to exceed your expectations, deliver the best service possible, and make car shopping fun again.

Welcome to Woodward Motors Limited – St. Anthony – Your Hawkes Bay Buick, Chevrolet GMC Source

At Woodward Motors Limited – St. Anthony, you will find a friendly and professional staff. We are guided by one axiom: Our Relentless Focus on Superior Customer Service, Honesty and Delivering the Highest Value to our Customers. We are committed to building relationships that will last generations. Our St. Anthony Buick and GMC dealership carries a wide, unmatched selection of new and used cars, trucks, SUVs, and crossovers to choose from. Whether it is the all-powerful GMC Sierra 1500, the heavy-duty Chevy Silverado 1500, or the luxurious Buick Encore, Woodward Motors Limited – St. Anthony is sure to have the vehicle that’s right for you and your daily commuting needs. Not only that, we offer our valued St. Anthony Buick and GMC drivers the added assurance of a budget-minded and knowledgeable financing department, ready to work on behalf of all your automotive needs. Stop by Woodward Motors Limited – St. Anthony and test-drive a premium new or used GM vehicle today!

Woodward Motors Limited – St. Anthony – Serving Lanse Au Clair Chevrolet and GMC Drivers

If you’re in the Lanse Au Clair area and are looking for a quality truck, stop by Woodward Motors Limited – St. Anthony. We carry a wide range of trucks, and our inventory changes several times a week. We feature the rugged the GMC Sierra 1500, as well as the Chevy Silverado 1500. Both of these rugged vehicles feature the performance and capacity to get your jobs done. Feel free to stop by today for a test drive and let us know how we can help you find your next new or used truck at Woodward Motors Limited – St. Anthony.

Woodward Motors Limited – St. Anthony GM-certified Parts and Service for Buick and GMC Vehicles

Does your vehicle need repair or maintenance? Our Woodward Motors Limited – St. Anthony offers a full-service parts and maintenance department. Our trained Buick and GMC technicians can fix any repair quickly. Our customers deserve only the best, which is why we go above and beyond to help answer any questions or concerns you may have. We have an on-site tire centre and body shop, along with our service, parts and accessories departments. At Woodward Motors Limited – St. Anthony, we will be with you throughout the lifetime of your vehicle.

Woodward Motors Limited – St. Anthony – Financing Options for Lanse Au Clair Hawkes Bay Buick, Chevrolet GMC Drivers

Our financial experts look forward to working with you to get you into your new vehicle. Financing for your new or used Buick or GMC has never been easier than it is today. Speak to our St. Anthony finance specialists about leasing, financing, and payments today. People from Lanse Au Clair and surrounding areas also prefer us for their financial needs. We’ll get you into the vehicle you want at Woodward Motors Limited – St. Anthony.





Apprenticeship standard: chartered manager degree apprenticeship (approved for delivery), standard chartered credit card.#Standard #chartered #credit #card

Apprenticeship standard: chartered manager degree apprenticeship (approved for delivery)

Describes the job role an apprentice will be doing and the skills required of them by the leadership management sector.

Documents

Standard chartered credit card

Apprenticeship standard for a chartered manager

PDF , 342KB , 3 pages

This file may not be suitable for users of assistive technology. Request an accessible format.

If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email [email protected] Please tell us what format you need. It will help us if you say what assistive technology you use.

Standard chartered credit card

Assessment plan for a chartered manager

PDF , 1.05MB , 34 pages

This file may not be suitable for users of assistive technology. Request an accessible format.

If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email [email protected] Please tell us what format you need. It will help us if you say what assistive technology you use.

Details

This document is relevant to:

  • employers wanting to recruit an apprentice
  • training organisations working with employers to make the apprenticeships available

The approved standard outlines the skills, knowledge and behaviours required of the apprentice and the job they will need to be able to do by the time they have completed their apprenticeship.

This standard is ready to use.

Employers involved in creating this standard

If you’d like to get involved and contribute to the development of the chartered manager degree apprenticeship, please read the guidance for trailblazers, and email the trailblazer contacts: [email protected] or [email protected]

The standard for a chartered manager was developed by:

  • CMI
  • Acivico
  • Agillisys
  • Anglo Educational
  • Balfour Beatty
  • Barchester Healthcare
  • Barclays Bank
  • Boots UK Ltd
  • BBC
  • Civil Service
  • Codegent
  • Co-op
  • Evolution Partnership
  • HMRC
  • Kinnerton Confectionery
  • NISA Retail Limited
  • One Stop
  • Opus Building Services
  • Sainsburys
  • Santander UK plc
  • Serco
  • umi Digital / Anglo Educational
  • Virgin Media
  • ILM
  • TUI
  • Markerstudy
  • Babcock
  • Gateshead Council
  • Lifetime

Funding information for employers and training organisations

Funding band: 15

Funding band maximum: £27,000

Hiring and training an apprentice

Become a training provider, recruitment and funding guidance, standards and assessment plans, how to register.





Canadian Credit Card – Credit Card Applications Canada, credit card transfer.#Credit #card #transfer

The definitive online resource for Canadian Credit Card Information.

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7 tips for getting a credit card after bankruptcy

Applying for a Credit Card

It is quick, easy and secure to apply for a credit card online. Search, compare and apply for the card that s right for you by filling out a credit application form online. Receive a credit decision right away or within a few days of applying for a card.

Search by Type of card

Search by Credit Quality

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News & Advice

Information Center

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Halifax UK, Balance Transfer Credit Card, Credit Cards, credit card transfer.#Credit #card #transfer

Our Longest 0% Balance Transfer.

Balance Transfer offer – exclusively available online.

Important information about our credit cards:

  • If your application is successful you ll get a credit limit and any applicable promotional rates based on your current status
  • You can transfer balances to us (minimum 100) from most credit cards and some store cards, excluding Halifax products
  • To keep any promotional rates you must pay at least the minimum payment on time and stay within your credit limit
  • 0% interest for 37 months from account opening on balance transfers made in the first 90 days.

    Minimum 100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 37 months and a representative rate of 19.9% APR (variable). Others may be offered the Classic Credit Card which may have a different promotional period and a rate of 27.9% APR (variable).

  • 2.5% effective fee applies on each balance transfer made in the first 90 days.

    An initial 3% fee applies; we’ll then refund 0.5% within 90 days, so the effective fee is 2.5%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

  • 0% interest for 3 months from account opening on purchases.

    Representative rate of 19.9% APR (variable).

Representative example

1,200 over 12 months.

We should be able to give you a decision within 5 minutes.

We should be able to give you a decision within 5 minutes.

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Already have a Halifax Credit Card?

You may be eligible to apply for a second credit card with us. Excludes Student Credit Card customers, conditions apply.

Unfortunately, based on the information you gave us, we will not be able to offer you a credit card.

Based on the information you gave us, your eligibility score is 10% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 20% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 30% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 40% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 50% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 60% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 70% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 80% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 90% and you are very likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 95% and you are very likely to be approved for one of our credit cards.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Will I be accepted?

See how likely you are to be accepted for a Halifax Bank credit card. Your credit rating will not be affected and there s no obligation to apply for a card afterwards.

Eligibility Checker

About your card

Here are some of the key features you get with your Halifax Credit Card

  • Cover against online fraud and your transactions are protected by Halifax Secure when you shop online with participating retailers.
  • Manage your card online using Online Banking and Mobile Banking app.
  • Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
  • Accepted wherever you see the Mastercard sign at over 36 million locations worldwide.

What is a representative example?

The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

We use an example borrowing amount of 1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

The purchase rate is the rate of interest you’ll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.

What does APR mean?

Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you’ll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.

How do we decide the APR you get?

We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.

At least 51% of customers will get a representative rate of 19.9% APR (variable). Other customers may be offered the Classic Credit Card with a rate of 27.9% APR (variable).

We should be able to give you a decision within 5 minutes.

Summary box

It s always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.





Canadian Credit Card – Credit Card Applications Canada, credit card transfer.#Credit #card #transfer

The definitive online resource for Canadian Credit Card Information.

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7 tips for getting a credit card after bankruptcy

Applying for a Credit Card

It is quick, easy and secure to apply for a credit card online. Search, compare and apply for the card that s right for you by filling out a credit application form online. Receive a credit decision right away or within a few days of applying for a card.

Search by Type of card

Search by Credit Quality

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News & Advice

Information Center

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  • Annual interest rate of 19.8%
  • Redeem for travel, cash, or gift cards
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0

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Credit Cards – Reviews, Advice & Calculators, low interest credit card.#Low #interest #credit #card

Credit Cards

Learn how the right credit card can become a power financial tool, from paying off debt faster to earning rewards and perks.

What would you like to do?

Credit Card Offers

Payoff Calculator

Credit Card Reviews

Minimum Payment Calculator

Editor’s Picks

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Why 0% financing from retailers can be a bad deal

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Should you use a balance transfer credit card to pay down debt?

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4 tips to maximize your rewards credit cards

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6 risky ways to pay off credit card debt

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What credit score do you need for a premium rewards credit card?

Latest Articles

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Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

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U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

Both cards offer bonus rewards in rotating quarterly categories.

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Discover will search for your stolen data so you don’t have to

Issuer will monitor the so-called dark web looking for your Social Security number.

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Current Credit Card Interest Rates

View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

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Capital One VentureOne Rewards vs. Capital One Venture Rewards

Your annual credit card spending will determine which of these rewards cards is right for you.

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Black Friday 2017: Find the best credit card strategy for you

Using the right card can help you maximize rewards and save money while holiday shopping.

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6 reasons why an issuer may close your card

There are ways you can prevent a card closing, but sometimes it’s out of your control.

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Uber’s new rewards credit card zooms ahead of the pack

You may be floored by the souped-up rewards on dining and travel spending.

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Choosing the right credit cards as your family grows

The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

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Best credit card tips for November 2017

These four smart credit card moves can help you gobble up some savings.

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HELPFUL LINKS

Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

Our tools, rates and advice help no matter where you are on life’s financial journey.

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

2017 Bankrate, LLC All Rights Reserved.





Target REDcard – Credit Card Review, ll bean credit card.#Ll #bean #credit #card

Target REDcard Review

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Anyone who s shopped at Target has no doubt been offered the Target REDcard, Target s credit card that lets you save on each purchase. If you re thinking about getting the Target REDcard, here s what you need to know.

Perks and Benefits of the Target REDcard

5% discount on purchases at Target and Target.com whenever you use your Target REDcard for purchases. This isn t a rewards program where you accumulate a certain amount of ​cashback to use for future purchases.

The discount is automatic. You don t have to sign up, enroll, or make a redemption to get the benefit.

The Target REDcard even beats most other store credit cards, which only offer a discount on purchases you make the first day you open your account. Instead, the Target REDcard gives you a discount every date from the day you open the account forward. (Unless they decide to change the program terms, of course.)

If you re a regular Target shopper, the 5% discount is tremendous. You ll save $5 for every $100 you spend in Target. Target lovers know how easy it is to spend upwards of $100 in a single trip, even when you were planning to only pick up a jug of milk.

Not all your Target purchases will qualify for the discount. This includes Target Optical eye examples, gift cards, previous purchases, and other items defined in the REDcard program rules.

Free shipping on Target.com purchases when you use your REDcard as long as you choose standard shipping.

You ll have to pay for upgraded shipping methods.

No annual fee on the Target REDcard. That means you can enjoy discounts on all your Target purchases at no cost as long as you pay your balance in full each month.

Target REDcard Pricing

While you won t pay an annual fee on the Target REDcard, there are penalty fees based on how you use your card.

There s a late fee of up to $38 when you re late on your monthly minimum credit card payment and a $27 returned payment fee if your bank returns your credit card payment. Purchases are charged a 23.40% APR.

What to Watch Out For With the Target REDcard

The APR is fairly high. As with all credit cards, especially rewards credit cards, you should pay your balance in full each month to avoid finance charges and to get the full benefit of your 5% discount. Never get complacent and make the minimum payment.

If you re a big Target shopper, having a credit card that you can use in your favorite store might tempt you to overspend. Watch your spending the same way you would if you were using your checking account. After all, you have to be able to afford to pay your balance in full each month.

Pay attention to your credit utilization. Store credit cards often come with a low credit limit and are easy to max out. Keep your credit card balance below 30% of the credit limit, especially around your account statement closing date, so your credit score isn t impacted by a high balance.

Edited by LaToya Irby. Credit card terms and sign-up bonuses are subject to change from the time of this review. Refer to the application for current terms and conditions.





Instant Approval Credit Cards Applications, Bad Credit OK, instant credit card approval.#Instant #credit #card #approval

Instant Response Credit Cards For Bad Credit

Instant response credit cards for Bad Credit offers an instant response in minutes when you apply online for the credit card. Getting an instant response on your application offers added convenience and speed when applying for a credit card online. Instant (Approval/Decision) is not guaranteed for the products below; however, an instant response will be provided within 60 seconds.

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  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • CLICK HERE TO APPLY ONLINE

*See Card Terms and Conditions

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The First Access Visa Credit Card

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • Issued by Mid America Bank Trust Company, founded 1920, Member: FDIC
  • CLICK HERE TO APPLY ONLINE

*See Terms and Conditions

  • Intro

FICO Credit Scores

A credit score is a number generally between 300-850, based on a statistical analysis of a person’s credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is–the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

What is a Credit Score?

A credit score is a number generally between 300-850, based on a statistical analysis of a person’s credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is–the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

Credit Score Facts

  1. Credit Scores range from 300-850, the higher the better.
  2. Most lenders base approval on your credit score.
  3. Higher Scores mean lower payments and better deals.
  4. Higher Scores mean Lower interest rates.
  5. Scores are determined by 5 main categories:
    • Payment History
    • Amounts Owed
    • Length of Credit History
    • Type of Credit Used
    • New Credit

Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). www.Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

2006-2017 GettingACreditCard.com, All Rights Reserved.

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CardOneBanking: No Credit Checks, Online Banking, Prepaid Card, Basic Bank Account, get a credit card with bad credit.#Get #a #credit #card #with #bad #credit

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CardOneBanking don’t charge you if you can’t afford to make a payment which you’ve set up. Instead we’ll notify you by text message a few days before your payment is due to be sent so that you can pay money in should you want to.

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How CardOneBanking Works

News about branch banking: please click here

card one banking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly**.

We’ll help you manage your money so you can keep track of your bills. Even if you can’t pay a bill, we won’t charge you and we will text you to let you know in good time. We’ll help to ensure all your bills are paid on time. The card one banking jam-jar current account comprises of: the card one banking Billing Account for money in and also to pay your bills from, plus the card one banking Debit Mastercard which is for your every day spending.

A no credit check* account, designed with you in mind.

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Help Information

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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

**This product is not covered by the Financial Services Compensation Scheme.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





Credit Repair: Fix Credit Scores and Reports, Ovation Credit, free credit reports without credit card.#Free #credit #reports #without #credit #card

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We work with credit bureaus and creditors to resolve issues with your credit reports. Make sure your credit report is the best it can be.

Break Free From Bad Credit

Get Mobile With Ovation

With our mobile-friendly website you can join the tens of thousands of consumers that have relied on Ovation to resolve credit reporting discrepancies since 2004.

Comprehensive

Credit Repair Services

Ovation offers more Corrections, Education and Optimization. Our formula is proven and our commitment to our clients is unquestionable.

of all credit reports contain errors serious enough to result in the denial of credit.

of credit reports contain mistakes of some kind.

of credit reports contain information that is long outdated, belongs to a stranger, or is otherwise incorrect.

of credit reports contain credit accounts that have been closed by the consumer but are reported incorrectly.

Ovation makes credit repair fast, easy and effective

We are here to help you achieve your optimal credit profile. We work with creditors to resolve items that should be removed, updated, or re-characterized. At Ovation we’ve effectively disputed every kind of problem a credit report can have and we’re waiting to help you now.

How It Works

Choose from one of our two customized program options: Essentials and Essentials Plus.

We provide your TransUnion and Equifax and guide you through obtaining your Experian report.

We discuss the report with you and dispute your questionable credit reports items.

You relax and watch the results as your credit is improved one step at a time.

Powerful Results

improvements per customer on average

years of Professional Credit Report Repair

credit Profiles corrected by Ovation And Counting

Recent Blog Posts

5 Ways to Pay Off Credit Card Debt
Debt after Death: 10 Things You Need to Know
Credit Utilization: Master This Key Scoring Factor
Improving Your Finances: Debt Settlement vs. Credit Counseling vs. Credit Repair

Essentials Program

The Essentials Program includes everything that you need for most standard credit report repair issues, and allows you to dispute each item on your credit report that you feel is inaccurate, misleading, or unverifiable in any way. Read More.

  • Professional Credit Analyst
  • Unlimited Bureau Disputes
  • Personal Case Advisor
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Essentials Plus Program

The Essentials Plus program is designed for more complex credit repair issues. It packs all the punch of the Essentials program but adds several other cutting-edge components to create a multi-tiered approach, giving you best possible results. Read More.

  • Everything in The Essentials
  • Unlimited Validation Letters
  • Unlimited Goodwill Letters
  • Recommendation Letter
  • 24/7 TransUnion Credit Monitoring
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Services

What We Do

Tools

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Connect

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    2004-2017 Ovation Credit Services, Inc. All rights reserved. No part of this site may be copied, distributed or reproduced without prior written permission. The services of Ovation and its affiliates may not be available in all states. Ovation Credit Services, Inc. assists consumers with credit reports that are inaccurate, misleading, unverifiable, untimely, incomplete or that otherwise contain incorrect information. All testimonials are from actual clients. Individual results may vary. Policies and Terms last updated on 02/01/2014.





  • Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit card with bad credit.#Credit #card #with #bad #credit

    Compare partner credit card offers from our most

    Cash Back

    Balance Transfer

    Business Card

    Cards for Bad Credit

    Credit card with bad credit

    When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

    It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

    The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

    Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

    Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

    If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

    One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

    If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

    “It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

    Her advice: Do a side-by-side comparison of several different cards before you apply.

    Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

    Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

    If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

    While there are no guarantees, sometimes you can get an answer, says Bourke.

    “I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

    You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

    “The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

    According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

    So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

    Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

    You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

    If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

    “A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

    In most cases, “this is one the customer service agent should know the answer to,” he says.

    Some card issuers use your purchase records to assess your ongoing creditworthiness.

    That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

    How to phrase it: Can my transactions ever be used in rating my credit risk?

    And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

    If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

    Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

    In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

    Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

    Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

    While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

    Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

    Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

    Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

    “It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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    What is a credit card?

    A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

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    When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

    • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
    • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
    • Reward cards: – these cards offer cashback or loyalty points.

    If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

    Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

    People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

    Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

    There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

    Pros and cons of credit cards

    Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

    But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

    Find the right credit card

    The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

    There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

    Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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    • High balance payments of $100,000+ may require coordination with your provider.
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    Bad Credit Personal Loans for people with Poor Credit Rating, Tenants Loan, Homeowners PCF, credit card for poor credit.#Credit #card #for #poor #credit

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    Previous or current credit problems don’t have to hold you back from getting the finance you want. Even if you’ve had CCJs, arrears, are self employed or have no credit history – fortunately there are a few lenders who specialise in offering mortgages, credit cards and loans for people with a bad credit rating.

    Specialist lenders understand that just because you have run into financial problems in the past, it doesn’t necessarily follow that you will be unable to meet your financial commitments in the future. They provide poor credit loans to many types of applicants – even discharged bankrupts – as long as the borrower can afford to meet their monthly repayments. Loans are available for both tenants and homeowners with bad credit history.

    If you have run into serious arrears, perhaps because you get divorced, fall ill or lose your job, you’re likely to have a poor credit rating. Minor blips on your credit record, such as missing a credit card payment, failing to pay a parking ticket or forgetting to settle a utilities bill, can also affect your eligibility for credit.

    Most mainstream lenders will reject applications from people who have a bad credit history such as County Court Judgements CCJs, defaults and bankruptcy. You can also be rejected for a personal loan or mortgage for a wide range of relatively minor problems such as not being on the electoral roll, not having a bank account, receiving income benefits and even making several applications for credit in a short space of time. Figures from analyst Datamonitor estimate that 9.1m people were refused credit by mainstream lenders in 2005.

    Credit card for poor credit Getting credit can sometimes seem like an impossible task and it’s easy to get despondent if you’re turned down. The truth is no one has a right to get credit or to be given a reason why credit has not been granted.

    The adverse credit market has become far less competitive in recent years with the differentia in rates between bad credit and good credit products increasing significantly. However, a few reputable lenders still offer bad credit loans, credit cards and mortgages for people with bad debts, CCJs or even a past bankruptcy on their credit file.

    Contrary to popular belief, there is no such thing as a credit blacklist detailing people who shouldn’t be lent money. Each lender will have their own criteria for determining whether to accept you as a customer, they will use the information you provide on the application form and the contents of your credit file to make a calculation on your “risk” as a potential customer.

    Use the search facility above to find UK lenders who will accept applications from people with bad credit history.

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    Research suggests that those “systematically denied credit by mainstream lenders” will increase from 7 million to 8.6 million by 2011.

    Remortgaging or taking out a loan to consolidate debt is a popular way of reducing credit card and loan repayments. But do the risks outweigh the gains?





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    Information in these articles is brought to you by CreditCardFlyers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    * The CreditCardFlyers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardFlyers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the CreditCardFlyers.com website are property of their respective owners.

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    This website may be compensated by the credit card issuers when people apply for a credit card using the links on this website. We strive to maintain the information accurate on the website. However, the credit card information is subject to change. Therefore, we recommend you to click the “Apply Now” button to review the up to date credit card’s terms and conditions.





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    Personal credit cards provide a convenient and widely accepted way to pay for general and household expenses. Some of their features, however, may lead you into debt, particularly when your income is reduced and you are adjusting to changed financial circumstances.

    Many people may think of getting a second credit card when they are struggling to make payments on the first. This is a serious debt trap. If you use one card to make payments on another or to keep making purchases beyond your means, your debt will spiral out of control.

    You should contact your bank or financial institution to ask for assistance with managing your credit card debt. Available options include requesting a lower credit limit or cancelling the card. Ultimately, though, you need to take control of your spending and avoid using your credit card to buy goods and services that you simply cannot afford.

    Please note the information on this page applies only to credit cards for personal expenses, not business or investment.

    When you can’t pay off your credit card each month

    Credit cards allow you to spend money you don’t necessarily have, and in this way are very dangerous for people with limited income.

    Credit card interest is usually the second highest rate of interest for any type of loan after payday, or short term, loans. The only way to avoid the high interest is to stop using your credit card for cash advances and to pay the whole balance within the interest-free period.

    If you have a credit card and only pay the minimum monthly payment you’ll end up in debt. By paying just the minimum payment, $1000 on your credit card can become an 11 year loan, even with no extra purchases.

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    A credit card calculator can help you check how long it will take you to pay off credit card debt under a number of scenarios.

    By law, your credit card statement will have a warning and show you how much you ll pay if you only make minimum repayments.

    If you don’t pay the minimum monthly repayment, you’ll have to pay extra interest and usually a late payment fee as well. This will be so even if you don’t use the card for new purchases. A late payment fee may also be added for payments after the due date.

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    As with all credit for personal or household purposes covered under consumer credit law and the Code of Banking Practice, your bank or financial institution is required to consider requests for flexible payment arrangements if you are experiencing financial hardship.

    If you can’t afford the minimum monthly payment, or you simply want to tackle your overall credit card debt, you need to contact the hardship area of your lender, explain that you’re experiencing financial hardship, and ask if they will vary the terms of your credit card contract. If you cancel your card, you can try to negotiate for no interest to be charged on the debt, or at least an interest rate much lower than your usual credit card rate.

    Because of the complex nature of credit card debt and the high levels of interest and charges, you should seek help when managing your credit card debt before it becomes an ongoing problem.

    Understand your rights and options

    Find out more about:

    • your rights for negotiating changed payment arrangements for credit card debt, including how to proceed if your lender refuses your proposal.
    • the range of options available for dealing with your credit card debt.
    • debt collection procedures for when you don’t pay your credit card debt.

    If your credit card provider is threatening or has commenced court proceedings against you, you should seek legal advice urgently. Consumer Action Law Centre provides specialist legal advice on credit and debt matters. You should also immediately lodge a complaint with the relevant EDR scheme about any concerns you have including your financial hardship. Your credit card provider is then required to halt the court proceedings to see if the matter can be resolved by the EDR scheme.

    Keep a record of all details of your contact with your lender, including the date and time of any calls, and the name of the person you spoke to.

    How to avoid credit card debt

    In a time of financial hardship you need to act quickly to bring your credit card spending under control and avoid extra interest and charges. You can do this if you:

    • make your purchases using cash or a debit card if possible. Avoid using your credit card unless you can pay off the balance in full in the interest-free period.
    • if you can, pay the whole balance on the card within the interest-free period to avoid high interest charges. Purchases with your card will end up costing a lot more if you don’t keep up with your payments.
    • don’t exceed the limit unless you expect to be able to pay it off in the short-term. When your income is reduced, there is a risk you’ll exceed your credit card limit if you continue using your card. Don’t get a second credit card believing that will solve your problems. Unless you can definitely pay the card off in the short-term, another card will make your debt problem worse rather than fixing it.
    • avoid using your credit card for cash advances, as interest charges usually apply immediately.
    • consider cancelling any direct debits you have to get more control over what you pay and when. Make sure though that you are not breaching contractual obligations. Seek legal advice from Consumer Action Law Centre if in doubt.

    The cost of credit card debt

    If you only pay the minimum monthly payment off your credit card balance, you may be reducing your debt by much less than you think.

    The following examples are based on a scenario where:

    • you have a typical credit card; and
    • you don’t use the card for new purchases; and
    • minimum payment is set at the lesser of 2.5% or $10; and
    • interest will be charged from the date of purchase (unless you pay it off each month); and
    • interest will be charged at approximately 16% per year.

    How $1,000 turns into an 11 year loan

    Suppose you spend $1,000, and make minimum repayments. You now have a debt on which you must pay interest. Of your first 2.5% minimum payment:

    • about $13 pays interest; and
    • just $12 comes off the debt.

    By just paying the minimum balance, you will take more than 11 years to pay off that $1,000 debt. In that time, you will pay about $860 in interest.

    How $10,000 turns into a 27-year loan

    Imagine now that you spend $10,000, and make only minimum repayments. As the debt gets bigger, minimum payments do an even worse job of getting rid of your debt. Of your first 2.5% minimum payment:

    • about $133 dollars pays interest; and
    • just $115 comes off the debt.

    Minimum repayments now take more than 27 years to pay off your debt, costing you about $11,000 in interest.

    Case study

    Stephen was an IT professional who was retrenched at the age of 55 after working with the same company for 25 years. His wife, Marcia, had left her job in administration at a hospital four years earlier following an illness that still affected her. Stephen and Marcia’s three children all still lived at home. The eldest was at university, the middle one was working in retail at a music store, and the youngest was in Year 11 at secondary school.

    Stephen and Marcia had a large mortgage. Stephen intended to get another job following a six week family break, but when they got back home, finding a new job was more challenging than Stephen anticipated. He also felt that he was being overlooked for the few positions available in favour of younger, more confident candidates.

    Stephen and Marcia started to use their credit cards for most of their purchases. Their previous “good credit rating” from the past provided them with access to new lines of credit with very few questions asked. Their credit card debts and associated interest began to build up to a massive level.

    They knew what was happening but put off doing anything about it, hoping Stephen would find a new job, and could pay out the growing debts.

    He contacted a financial counsellor who prepared a current financial statement that revealed that Stephen and Marcia had purchased some shares.

    The financial counsellor encouraged Marcia and Stephen to sell the shares and pay the proceeds off the credit card debt. He also helped them to work out a plan to reduce their credit card debt by paying the card with the highest interest rate first, and cancelling all but one credit card that was only to be used in the case of emergencies.

    After several months, Stephen managed to get a job, albeit a low paid one compared with what he had been used to. The income was enough for Stephen and Marcia to cover day-to-day expenses and work out payment plans with their creditors.





    CREDIT CARDS and LOANS for BAD CREDIT, credit card for bad credit rating.#Credit #card #for #bad #credit #rating

    Loans and Credit Cards for Bad Credit

    Welcome! Since 2005, we have been dedicated to helping those with a bad credit rating rebuild their credit. We provide you with the knowledge and resources necessary for you to find the best loans and credit cards for bad credit, regardless if you have a poor credit score or past credit problems. We continously update our offers to bring you the best bad credit offers available.

    If you are looking for the right offer to fit your financial needs or repair bad credit, please begin by choosing a category of offers below:

    Compare the top 10 credit cards for those with bad credit and apply online instantly.

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    Tips and Advice

    ► 5 Steps to Rebuilding Bad Credit

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    ► Credit Crunch Shrinking Size of Personal Loans

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    ► Inside the Brain of an Auto Lender

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    ► Filing for Bankruptcy: Chapter 7 vs. Chapter 13

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    ► Which Type of Home Loan is Right for You?

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    ► Too Much Debt? How to Break the Debt Cycle

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    Merrick Credit Card Alternatives, Applications for Bad Credit, credit card for fair credit.#Credit #card #for #fair #credit

    Alternatives to Merrick Bank Credit Card

    On this web page you can see great alternatives to credit cards issued by Merrick Bank. Review the bad credit credit cards and fair credit credit cards we have on offer to choose a card that will meet your financial needs. Consider applying online for a card you may qualify for.

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    If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

    Yes, your credit score may change. First of all, when you apply for a credit card, an issuer will make a hard pull to see your credit report(s). O.

    Yes, your credit score may change. First of all, when you apply for a credit card, an issuer will make a hard pull to see your credit report(s). O.

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    Christian Credit Counseling, Debt Consolidation, Credit Counselors, credit card debt consolidation.#Credit #card #debt #consolidation

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    Christian Credit Counselors has helped over 300,000 people get out of debt over the last 20 years. Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling, debt management, and other resources. Our Certified Credit Counselors provide superior services to both our clients and their creditors.

    Are your interest rates too high?

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    Apply Now to let one of our Christian Credit Counselors see what option is best suited to meet your individual needs, goals and circumstances. With a FREE consultation, they will help develop a personal plan and strategy to help you get to your goals and dreams!

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    Credit Cards for People with Limited or No Credit, credit card bad credit.#Credit #card #bad #credit

    Credit Cards for People with Limited / No Credit

    Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

    Credit Card Applications for Limited or No Credit

    When you apply for a credit card, the bank wants to see your credit history and be sure you’re a good risk – so what if you have limited or no credit history? The time to start building with one of these cards, recommended by Credit-Land.com, has come.

    The card for limited/no credit history may not come with many perks, since their main purpose is to give you an opportunity to build a credit history. Consider this as an investment in your future. Never miss a payment, pay off your balances, and you’ll be on the road to excellent credit. In time, you’ll be eligible for amazing rewards. It pays to be patient.

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    Your First Credit Card

    Banks have set up special credit lines for new immigrants and people who have barely established their credit history. In fact, if you have just become a permanent resident of the USA, you will probably be approved right away for your first credit card. Banks are more willing to give offers to people with limited / no credit, compared to people with bad credit history. You are a blank slate, ready to start great credit!

    Credit History: First Steps

    The following steps will help you establish your credit history:

    Find a job. You need to show that you have steady income so banks could see you can repay loans and lines of credit. When you apply for an account, you will be asked for proof of employment.

    Sign up for a checking account. Banks will want you to have a backup account on your application, and having access to a checking account helps you develop discipline and learn good credit habits.

    Apply for a credit card for people with no credit history. The only way to build a credit reputation is to be a responsible credit card user for a while. Keep these tips in mind as you build your credit and you’ll be on the road to excellent credit:

    1. Use your card for smaller expenses like groceries and gas.
    2. Don’t carry a balance as you begin to build your credit history. Pay your account in full every month. Also be sure you make every payment by the due date. This will establish on-time payment habits and keep you from paying interest.
    3. Spend small, but spend consistently. The more active your credit account is, the better your credit score will be.
    4. Stay within your budget, don’t get near your limit, and keep a tight reign on your spending.
    5. Know what your APR is. Many banks are eager to lure you in with terrific offers like 0% interest for the first few months – just be sure you know how long your introductory rate is going to last. The ongoing rate will usually be significantly higher.

    Our Experts about Limited/No Credit Cards

    SunTrust Banks, Inc. has upped the ante when it comes to the rewards that their credit and debit card customers can earn by expanding their program and launching SunTrust Deals. With the expanded program people receive special offers from merchants. Continue reading

    If you do not have credit history and don’t know what credit card to choose to start with, the credit card can become your first card. People with bad credit and with past credit problems can also get approved for the National. Continue reading

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    LATAM Visa – Card Comparison Chart, credit card comparison chart.#Credit #card #comparison #chart

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    If you are eligible, you will receive the LATAM Visa Signature Card. If you are not eligible for the LATAM Visa Signature Card, you will automatically be considered for the LATAM Visa Card.

    The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. and these cards are available to United States residents only.

    2017 U.S. Bank National Association. All rights reserved.

    All cardmember communications will be in English (in Spanish when possible). In the event of a discrepancy between the English and Spanish languages the English version will prevail.

    Accounts must be open and in good standing to earn miles. Upon approval, please refer to your Cardmember Agreement for additional information.





    Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit card bad credit.#Credit #card #bad #credit

    Compare partner credit card offers from our most

    Cash Back

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    When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

    It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

    The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

    Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

    Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

    If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

    One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

    If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

    “It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

    Her advice: Do a side-by-side comparison of several different cards before you apply.

    Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

    Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

    If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

    While there are no guarantees, sometimes you can get an answer, says Bourke.

    “I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

    You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

    “The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

    According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

    So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

    Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

    You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

    If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

    “A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

    In most cases, “this is one the customer service agent should know the answer to,” he says.

    Some card issuers use your purchase records to assess your ongoing creditworthiness.

    That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

    How to phrase it: Can my transactions ever be used in rating my credit risk?

    And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

    If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

    Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

    In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

    Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

    Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

    While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

    Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

    Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

    Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

    “It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





    Economics, Johns Hopkins University, credit card.#Credit #card

    Department of Economics

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    Economics

    Academics

    Student & Faculty Resources

    Across Campus

  • Credit card

    Department of Economics

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    Faculty

    Featuring a world-class faculty and individualized attention, the doctoral program is the centerpiece of the department. Students share academic and collegial connections with their professors, who guide them through thought-provoking research and an intense curriculum.

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    Department of Economics alumni are leaders in their fields. Students are frequently appointed to esteemed academic institutions, think tanks, government research positions, and investment banks around the world.

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    At Johns Hopkins, the undergraduate study of economics offers students dynamic classroom interactions that explore important economic problems and provide the tools needed to address them—in theory and in practice.

    Department News and Announcements

    November 10, 2017

    Professor Ali Khan gave a seminar entitled “On Mathematics in the Human Sciences”

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    Professor Ali Khan gave a seminar entitled “On Mathematics in the Human Sciences” on Friday, November 10. The seminar was sponsored by the Arrighi Center for Global Studies and co-sponsored by the Department of Sociology and Department of Anthropology.

    November 3, 2017

    Seventh Simon Newcomb Lecture November 1, 2017

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    Faruk Gül, the Susan Dod Brown Professor of Economics at Princeton University, delivered the seventh Simon Newcomb Lecture entitled “Revealed Preference and Behavioral Economics”.

    October 27, 2017

    2017-2018 Ely Lecture Series October 23-26, 2017

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    Professor Xavier Gabaix (Harvard), delivered the 2017-2018 Richard Ely Distinguished Lecture Series October 23-26.

    October 11, 2017

    Congratulations to our recent PhDs for defending their dissertations

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    Congratulations to Alanna Bjorklund-Young, Dan Li, Yunting Liu and Sohini Mahapatra, who all successfully defended their dissertations!

    View Department News and Announcements Archive

    Job Market Candidates

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    Chang Ma

    Thesis: Essays on International Finance and Regulation

    Upcoming Events
    Spotlight: Paul Decker

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    Esteemed Alumnus Paul Decker

    Paul Decker, President and Chief Executive Officer Mathematica Policy Research (MPR), is a nationally recognized expert in policy research, data analytics, education, and labor policy. Decker received his PhD in economics from Johns Hopkins University in 1988. For three decades, he has been working to improve public well-being through the use of evidence to [ ]

    Center for Financial Economics

    The Center for Financial Economics’ founding mission to ‘bridge the gaps’ is uniquely well-suited to the times. Our students and faculty are in an ideal place to understand and shape the turbulent process now re-making finance.

    2017 Johns Hopkins University, Zanvyl Krieger School of Arts & Sciences

    Department of Economics, Wyman Park Building 5th Floor, 3100 Wyman Park Drive, Baltimore, MD 21211

    Mailing Address: 3400 N. Charles Street, 544E Wyman Bldg., Baltimore, MD 21218

    Email: [email protected] | Phone: 410-516-7601 | Fax: 410-516-7600

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  • Managing Credit Card Debt, consolidate credit card debt.#Consolidate #credit #card #debt

    Managing Credit Card Debt

    Millions of American struggle under a load of high credit card debt. If you are having trouble paying your credit card bills or are worried about high credit card balances, don’t hide your head in the sand. Instead, learn what you can do to better manage your credit card debt.

    Sometimes, with strict budgeting and strategically closing some credit card accounts, you can start chipping away at debt. Other times, you can negotiate a settlement of credit card debt with the bank or credit card issuer. If you are really in over your head, bankruptcy might be your best option.

    Below you’ll find articles and Q As to help you figure out the best way to handle your credit card debt.

    Dealing With Credit Card Debt

    Tips on paying down credit card debt and negotiating with credit card companies.

    In order to avoid excessive credit card debt, pay attention to these red flags.

    Learn the pros and cons of various ways you can reduce or eliminate credit card debt.

    You can often negotiate better interest rates, payment dates, and even long-term payment plans and settlements on your credit card debt.

    If you have high credit card debt, you might be able to settle the debt for less than the full amount. But beware of the downsides to credit card debt settlement.

    Here are the things to consider if you want to consolidate your credit card debt.

    When a credit card company writes off or charges off your debt, you are still liable for the debt.

    Credit card companies rarely forgive your entire debt, but you might be able to settle the debt for less and get a portion forgiven.

    Your credit card company might agree to a lump sum discounted payment, a lower interest rate, or another type of special payment plan.

    Here are some reasons why a store or restaurant might reject or block your credit card.

    Collections Lawsuits for Delinquent Credit Card Debt

    Here are some common defenses you can raise if you are sued for credit card debt.

    Learn what a credit card judgment is and how a credit card company can get one.

    Learn about the steps and players involved in collecting on defaulted credit card debt.

    Learn when you might get sued for delinquent credit card debt, steps in the lawsuit, and how to defend against it.

    A credit card companies can garnish your wages if it gets a judgment against you. Learn how to avoid this.

    If a credit card agreement designates another state in its choice of law provision, it might have more time to sue you for delinquent debt.

    Your Liability for Credit Card Debt

    Learn what happens to credit card debt when a person dies.

    Find out when you are liable for your wife s or husband s credit card debt.

    Learn what happens to your liability for credit card debt when you get divorced

    Closing Credit Card Accounts

    Sometimes closing credit card accounts helps you get out of debt. Learn which accounts to close.

    Learn the correct way to close a credit card account to avoid later problems.

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    4 ways to manage your credit card debt – CBS News, consolidating credit card debt.#Consolidating #credit #card #debt

    4 ways to manage your credit card debt

    The average credit card debt for an American household is $5,700,and it rises to more than $16,000 for households that do not pay off their balances each month. Clearly, while that level of debt is challenging for many households, it can be tamed and managed, along with other expenses and obligations.

    Here’s how to manage, and eventually pay off, a credit card debt.

    Defining The Depth of Your Debt

    Managing your credit card obligations begins with assessing how manageable, or not, they really are. While that sounds relatively simple, financial advisors often have a hard time assigning a specific figure or formula that defines punishing debt.

    Instead, they offer more general guidelines. For example, Matthew D. Zimmelman, a bankruptcy attorney from the New York City area says he often advises clients that they are “probably carrying too much credit card debt if you cannot pay it all back within six months without liquidating investments or retirement accounts.” Kelsa Dickey, a Budget Coach with Fiscal Fitness in Phoenix, tells her clients that their credit card debt is too much if they “are tying up too much money in payments,” and if their debt prevents them from making positive changes such as “leaving a job you hate or saving money for a vacation.”

    Taming Your Obligations

    Making a budget is a critical first step to managing debt and other obligations. Christine Luken, a Certified Financial Coach with 7 Pillars, LLC notes that a “budget will keep spending on track so you don’t go further into debt.” People also need to “get organized from a debt standpoint,” says Kelsa Dickey, and thoroughly review the interest rates and balances associated with their cards. That way they can “figure how much have available each to month to tackle the debt.”

    Financial advisors point out that people need to avoid certain behaviors in order to get their credit card debt under control. Christine Luken tells individuals ” to stop using your credit cards in order to get them under control and make progress in paying them off. Switch to payment methods like cash, debit cards and PayPal.” Kelsa Dickey advises her clients against taking “everything out of your checking account” to pay off credit card debt. If a person takes that action and then has to make a large purchase a short time later (say an emergency car repair), he or she then feels like a failure. It is best to “plan ahead and be realistic.”

    Be Cautious Of Debt Consolidators

    Debt consolidation programs advertise that they help people address their debts. However, personal finance experts point out significant drawbacks to using these specialists. Matthew Zimmelman notes that, “it’s very hard to pay down a large amount of debt when the program you are paying each month takes large fees off the top, leaving little for the creditors.” He also mentions that these programs have a huge legal disadvantage. “You also are at the mercy of your creditors while enrolled in debt consolidation and they can still collect and bring suit.”

    In addition, consolidation programs do not always address the psychological roots of high credit card debt. Kelsa Dickey mentions that, “In general, they don’t work. Debt is a symptom.” Her assessment is that people end up with onerous credit card debt because, “the systems they have for managing money are failing.”

    Avoid a Debt Relapse

    After you pay off your credit cards, you need to take steps to avoid ending up with large debts again. Christine Luken of 7 Pillars advises people to avoid a recurring problem by, in part, limiting the number of cards they carry. “If they choose to keep a credit card after their debt is paid off, I would recommend that they only have one, with a small limit. The other option would be a secured credit card.’ With these options, she says, “if they get in a financial bind, the bank can cash out the savings account that is securing the card and pay it off in full.”

    It’s also useful to have psychological reinforcement that mitigates against a backslide into debt. “When you finally pay off those debts, be proud,” says Matthew D. Zimmelman. Kelsa Dickey of Fiscal Fitness notes, “People need to make a mindset shift.” For her, planning ahead and taking ownership of their money are key to managing, and eventually eliminating, credit card debt.





    3 Ways to Get a Cash Advance From a Visa Card, cash advance credit card.#Cash #advance #credit #card

    How to Get a Cash Advance From a Visa Card

    If you have a credit card, a certain portion of your credit line is typically available for cash advances. You can get these cash advances from any ATM or financial institution that does transactions with your credit card company. To get a cash advance you will usually be charged a fee and a high interest rate that starts the moment you take the money, but if you really need one here is how to do it.

    Steps Edit

    Method One of Three:

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    Method Two of Three:

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    Method Three of Three:

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    Credit Cards – Reviews, Advice & Calculators, best credit card to have.#Best #credit #card #to #have

    Credit Cards

    Learn how the right credit card can become a power financial tool, from paying off debt faster to earning rewards and perks.

    What would you like to do?

    Credit Card Offers

    Payoff Calculator

    Credit Card Reviews

    Minimum Payment Calculator

    Editor’s Picks

    Best credit card to have

    Why 0% financing from retailers can be a bad deal

    Best credit card to have

    Should you use a balance transfer credit card to pay down debt?

    Best credit card to have

    4 tips to maximize your rewards credit cards

    Best credit card to have

    6 risky ways to pay off credit card debt

    Best credit card to have

    What credit score do you need for a premium rewards credit card?

    Latest Articles

    Best credit card to have

    Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

    Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

    Best credit card to have

    U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

    Both cards offer bonus rewards in rotating quarterly categories.

    Best credit card to have

    Discover will search for your stolen data so you don’t have to

    Issuer will monitor the so-called dark web looking for your Social Security number.

    Best credit card to have

    Current Credit Card Interest Rates

    View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

    Best credit card to have

    Capital One VentureOne Rewards vs. Capital One Venture Rewards

    Your annual credit card spending will determine which of these rewards cards is right for you.

    Best credit card to have

    Black Friday 2017: Find the best credit card strategy for you

    Using the right card can help you maximize rewards and save money while holiday shopping.

    Best credit card to have

    6 reasons why an issuer may close your card

    There are ways you can prevent a card closing, but sometimes it’s out of your control.

    Best credit card to have

    Uber’s new rewards credit card zooms ahead of the pack

    You may be floored by the souped-up rewards on dining and travel spending.

    Best credit card to have

    Choosing the right credit cards as your family grows

    The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

    Best credit card to have

    Best credit card tips for November 2017

    These four smart credit card moves can help you gobble up some savings.

    RELATED TOPICS

    HELPFUL LINKS

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.





    Credit Cards – Reviews, Advice & Calculators, best credit card to have.#Best #credit #card #to #have

    Credit Cards

    Learn how the right credit card can become a power financial tool, from paying off debt faster to earning rewards and perks.

    What would you like to do?

    Credit Card Offers

    Payoff Calculator

    Credit Card Reviews

    Minimum Payment Calculator

    Editor’s Picks

    Best credit card to have

    Why 0% financing from retailers can be a bad deal

    Best credit card to have

    Should you use a balance transfer credit card to pay down debt?

    Best credit card to have

    4 tips to maximize your rewards credit cards

    Best credit card to have

    6 risky ways to pay off credit card debt

    Best credit card to have

    What credit score do you need for a premium rewards credit card?

    Latest Articles

    Best credit card to have

    Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

    Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

    Best credit card to have

    U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

    Both cards offer bonus rewards in rotating quarterly categories.

    Best credit card to have

    Discover will search for your stolen data so you don’t have to

    Issuer will monitor the so-called dark web looking for your Social Security number.

    Best credit card to have

    Current Credit Card Interest Rates

    View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

    Best credit card to have

    Capital One VentureOne Rewards vs. Capital One Venture Rewards

    Your annual credit card spending will determine which of these rewards cards is right for you.

    Best credit card to have

    Black Friday 2017: Find the best credit card strategy for you

    Using the right card can help you maximize rewards and save money while holiday shopping.

    Best credit card to have

    6 reasons why an issuer may close your card

    There are ways you can prevent a card closing, but sometimes it’s out of your control.

    Best credit card to have

    Uber’s new rewards credit card zooms ahead of the pack

    You may be floored by the souped-up rewards on dining and travel spending.

    Best credit card to have

    Choosing the right credit cards as your family grows

    The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

    Best credit card to have

    Best credit card tips for November 2017

    These four smart credit card moves can help you gobble up some savings.

    RELATED TOPICS

    HELPFUL LINKS

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.





    Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, best credit card to have.#Best #credit #card #to #have

    Compare partner credit card offers from our most

    Cash Back

    Balance Transfer

    Business Card

    Cards for Bad Credit

    Best credit card to have

    When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

    It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

    The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

    Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

    Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

    If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

    One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

    If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

    “It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

    Her advice: Do a side-by-side comparison of several different cards before you apply.

    Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

    Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

    If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

    While there are no guarantees, sometimes you can get an answer, says Bourke.

    “I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

    You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

    “The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

    According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

    So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

    Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

    You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

    If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

    “A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

    In most cases, “this is one the customer service agent should know the answer to,” he says.

    Some card issuers use your purchase records to assess your ongoing creditworthiness.

    That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

    How to phrase it: Can my transactions ever be used in rating my credit risk?

    And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

    If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

    Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

    In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

    Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

    Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

    While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

    Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

    Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

    Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

    “It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





    Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, best credit card to have.#Best #credit #card #to #have

    Compare partner credit card offers from our most

    Cash Back

    Balance Transfer

    Business Card

    Cards for Bad Credit

    Best credit card to have

    When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

    It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

    The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

    Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

    Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

    If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

    One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

    If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

    “It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

    Her advice: Do a side-by-side comparison of several different cards before you apply.

    Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

    Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

    If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

    While there are no guarantees, sometimes you can get an answer, says Bourke.

    “I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

    You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

    “The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

    According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

    So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

    Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

    You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

    If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

    “A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

    In most cases, “this is one the customer service agent should know the answer to,” he says.

    Some card issuers use your purchase records to assess your ongoing creditworthiness.

    That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

    How to phrase it: Can my transactions ever be used in rating my credit risk?

    And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

    If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

    Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

    In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

    Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

    Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

    While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

    Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

    Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

    Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

    “It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”