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Student Credit Cards - First Step To Financial Independence By : Peter Sissons The innovative spending idea for the Gen-next is a Student Credit Card. Popularly knows as cards or the Plastic money these open a gateway to financial freedom to the contemporary youth. On one hand student credit card also provide an opportunity to an adolescent to start building up his credit profile but on the other hand these are known to generate a vicious circle of debts and money short falls. Various companies and banks offer lucrative schemes to lure students to o... Essential tips on how to get a credit card By : Paul Wilson Banks and their marketing associates and divisions are vying with one another to capture a thick slice of the “credit card pie.” Offers by phone and mail of free credit cards, pre-approved credit cards, cards with special bonanzas, money back schemes, low introductory rates, and umpteen other perks pour in tempting you everyday. 9 Essentials of Credit Card Rewards By : Paul Wilson A credit card that offers a reward point scheme means that as you use the card you accumulate a certain number of points which can then be converted into a reward of your choice. It can be air miles, gift vouchers, or a purchase of some kind. But to get the most benefit out of a reward card you need to ensure that it offers good value for your money. Credit And Debit Cards By : Durre Qureshi Credit and debit cards have greatly increased consumer purchasing power. In the past banks were closed on weekends and you needed cash or a check with an indentification document to make a purchase. That was before the plastic was created. Now with credit and debit cards being accepted almost everywhere there is no need to carry cash or write a check. Credit cards were first used in the 1950's and were called diner cards. These cards (mostly owned by the wealthy) could on... Bad Credit Mastercards - Build A Good Credit History By : Carrie Reeder Unfortunately, many people underestimate the importance of establishing a good credit history. Because the average person cannot afford to pay cash for large purchases such as an automobile or home, financing has become a part of life. If you have good credit, your financing options are many. Nonetheless, those with bad credit have the opportunity to improve their credit standing, which opens the door for better financing options. Options Available to People with Bad Credi... Credit Card Rewards Programs Explained: Citi’s Thank You Rewards Network By : Jeff Weber Credit card companies are in constant competition with one another to gain you as their customer. One way they approach this is with 0% introductory rates. Another approach is the rewards program. In this first of a series of in depth articles on credit card rewards programs, the president and CEO of Credit Card Depot Inc examines the Citi Thank You Rewards Network Program. Currently, the Citi Simplicity(SM) Rewards Card, the Citi® Platinum Select, and the Citi® Diamond Pr... Online Credit Cards – Finding Best Deals Available Online By : Joseph Kenny People spend a lot of money on credit and with consumer debt levels continuing to rise dramatically, people are spending a larger and larger proportion of their incomes on credit and financing charges in particular. Car payments, mortgage payments, credit cards, store cards, personal loans, all forms of debt and bank overdrafts; they all combine to take up and eat away at an ever-increasing proportion of our income. Therefore it is more important than ever that we make sure w... You're Being Forced To Make Higher Payments By : J Schipper Consumers already burdened by higher energy costs are being saddled with another drain on their finances : higher minimum credit card payments. The higher minimum credit card payments are the result of January 2003 guidelines issued by the Federal Reserve, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency and the Office of Thrift Supervision. The Office of the Comptroller of the Currency, or OCC, regulates national banks and is concerned t... Student Credit Card Debt - How To Avoid It And Tips On Managing It By : Lynne Birch As new students head off to university and college each year they are presented with many challenges. Meeting new friends, encountering new ideas, and managing new responsibilities. Of these, perhaps it is managing money that is the most important. As a new student you'll find out pretty quick just how hard a weekend bender with the boys hits the pocket-book. So, once your head has cleared you may want to take a look at the following tips that can help any student manage thei... Credit Cards – Why Are They So Popular? By : Joseph Kenny Credit cards have ballooned in popularity over the last decade. While once the preserve of the very rich, or very indebted, they are now available to practically everyone who wants them. They have become far easier to get a hold of. There is also a huge variety of choice out there for anyone who wants a credit card. Different Types of Credit Cards There are exclusive cards that offer their holders a huge array of benefits in exchange for a fee. But there are also cards... Cash In With Your Cash Back Credit Card By : Peter J Kenny Cash back credit cards are very attractive to customers and many will feel that they should just accept the first cash back credit card they are offered, particularly if they are in a position of paying off all of their credit card bill in full each month and therefore being best able to take advantage of a cash back offer 0% Balance Transfer Credit Cards Will Not Last By : Peter J Kenny Have you ever been attracted to a credit card because it promises you an outstanding interest rate that seems just too good to be true? Most of us have at some stage jumped for one of these attractive offers. Real Price of a Credit Card By : Peter J Kenny The cost of most credit cards is calculated according to the stand annual percentage rate, or APR, formula used for all lending. This formula gives a uniform figure for calculating the cost of any credit or loan in the entire market place. Therefore, all credit cards have to tell you clearly what APR they charge. Reduce Your Credit Card Debt By : Peter J Kenny Credit card companies love the fact they we can only pay the minimum payment every month, why! Because they are raking it in while the interest rates are crippling us, so what started out as a small credit card bill could escalate into thousands CreditCard Account - Be Clever With It By : Steve Gee The society we live in today makes it more and more difficult to manage without a creditcard account. We are told that it is the safest way to buy things over the internet or abroad as purchases are often covered by insurance. We can use it to manage our budgets as there are several weeks between buying the goods and being charged interest on our purchases... Treat Yourself With A Rewards Credit Card By : Peter J Kenny The credit card companies are looking for ways to make us spend more money with our credit cards and as the more we spend the more profit that the credit card companies will get. Interest rates are getting higher and do not forget the retailers as they charge them a fee of up to 2% on the amount that we spend in their premises. Types of Credit Card By : Masni Rizal Mansor Specialty credit cards are other set of standard non-secure cards designed specifically for individual business users and students with unique and special needs. Find A Free Credit Card - It's Not Difficult By : Peter J Kenny Before we start talking about free credit cards, it is necessary to define somewhat what is meant be free in this context. While there are some credit cards out there that will charge you a monthly or annual subscription fee to become one of their customers and receive their credit card, these deals are becoming far less common than they used to be and therefore it is by far the norm now not to have to pay a subscription fee for a credit card. Online Credit Card Use On The Up By : Peter J Kenny The online spending trend is set to continue. More and more services are becoming available online, from online banking, financial services, applying for loans and mortgages, and a whole host of online business dealings, have made the internet probably far more important than the high street for many shopping needs. Disputing Credit Card Charges By : Debbie Dragon Let’s imagine for a moment that you’ve just received your credit card bill in the mail, and you think the only purchase you made with it the previous month was at the gas station. What do you do then, when you find three purchases at Old Navy, and a bunch of other purchases you know you didn’t make? Do you know what rights you have regarding fraudulent purchases on a credit card in your name? How about your rights if you purchased an item with a credit card, but never rece... Check Out Payment Protection Insurance By : Peter J Kenny Payment protection insurance is an optional insurance cover that you can pay for. The cost will be added to your monthly credit card bill and will typically be assessed on the basis of your outstanding credit card balance. So, for example, the cost of the insurance might be five pence on every pound you owe on your credit card bill, so if you owed one hundred pounds, five pounds would be added to the bill as the cost of the payment protection insurance. Credit Bureaus, Who are they? By : S. Lieberman Credit bureaus, also referred to as a credit repository or CRA's , is an entity that gathers information about consumers' credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. Money To Burn? Consider A Premium Credit Card By : Peter J Kenny The amount you will have to pay for a premium credit card will vary enormously when you compare the offers from one credit card company to another. By and large, you should expect that the more you are paying for a premium credit card, the better the card will be and the more premium facilities and extra features the card will offer you The Truth About Credit Report Agencies By : Masni Rizal Mansor Imagine the next time you join a discussion about credit report agencies. When you start sharing the fascinating credit report agencies facts below, your friends will be absolutely amazed. Credit cards 101 By : Tony Reed A credit card is an agreement between you and a financial group, such as a bank, that you will pay them back in the future so that you can spend the money first. The financial group lends you the money you need and in return expects you to pay them back over a period of time. Earn Rewards Every Time You Use Your Credit Card By : Peter J Kenny One method that the credit card companies have been very keen to use to attract customers is by offering reward schemes and incentives. These schemes are generally targeted at the higher end of the market and wealthier customers and they will be of more interest to customers who usually pay off their entire credit card bills in full every month thus incurring no interest charges. How To Get An Interest Free Credit Card By : Peter J Kenny The first thing to remember in any case is that there are two main types of 0% interest that you will be offered and these are very different deals. The first will be 0% on balance transfers and the second will be 0% on purchases. It is needless to go into the difference between a balance transfer and a purchase but suffice it to say that there is a very significant difference and there will be many cases where one of these offers will be of great value to you while the other will be practically useless. How Credit Cards Work By : Mar How credit cards work The Disadvantages of Student Credit Cards By : Peter J Kenny There are disadvantages to having a credit card as a student however. The main disadvantage is that it is very easy to get into credit card debt very quickly. Time To Start Using Those 0% Credit Cards By : Peter J Kenny Probably the most common form of zero per cent for a credit purchase is on balance transfers. So if you find yourself paying a lot of interest on existing credit card balances, then you could look into transferring this balance onto a new credit card that offers you zero percent to do so. This has the potential of saving you hundreds of pounds in interest payments. Secure Your Credit Card Right Now By : Peter J Kenny Most people will have a huge amount of funds available to them on their credit cards alone. In fact the average customer will often have as much as ten thousand pounds or more available to them instantly in the form of credit card debt. Extra Options for your Credit Card By : Peter J Kenny One thing that many people opt for is a fee-paying credit card. This fee will be payable either annually or monthly, and you will have to pay it no matter how much or how little you use the card. Paying the fee will entitle you to certain benefits. Simple Methods To Reduce Credit Card Debt By : Peter J Kenny The best thing to do to see how you stand with your credit card and how much you are paying back to them each month, is to calculate your monthly earnings and then calculate what you can afford to put back into your credit card account. Things To Remember About Credit Card Ownership By : Tom Takihi Owning a credit card is like owning a gun. Handle it responsibly and it will take care of you and save you from occasional tight situations. Misuse it and it can bring you to grave financial disaster. Identity Theft - When It Happens To You By : Liz Roberts Identity theft is no joke. Even though someone else has stolen your identity, the credit bureaus still mark you down as a bad risk. Its up to YOU to protect yourself from identity theft. Here are some tips on how you can do that! Top 7 Questions About Credit Reports & Credit Scores By : Myra Golden Here are the top 7 questions we hear from consumers about credit reports and credit scores... 10 Tips To Improve Your Credit Score By : Andrew Bermam These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further their education. How soon the loan is sanctioned, the rate of interest, and the amount sanctioned will all depend on your credit score which is based on your credit report. Credit Card Payment Strategies: Beat Credit Card Debt Nightmares That Keep People Awake At Night By : National Association of Responsible Lending and Investment A large percentage of the people are struggling to afford just the minimum payments on their credit cards. They are also concerned about due dates and an ever-increasing credit card debt balance. Here is how you can change your credit situation from an ongoing nightmare to a bad dream of the past. A Card for Those Who Have Poor Credit By : Gloria Smith Don’t you just hate it when these big-name credit card companies keep turning down your application for a credit card simply because of some financial mistakes or missed payments that you made in the early years of your career, which adversely affected your credit rating? Buy Gas and Get a Bonus By : Gloria Smith In olden times, you only needed air, food and water to survive. Unfortunately, nowadays, that equation has changed. With the proliferation of motor vehicles and the continuous exodus of people towards the city, gasoline can now be considered as a major necessity – as vital to or even more vital than Flat Rate Credit Cards By : Michael D. Strauss Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing. Getting a Credit Card with a Bad Credit Rating By : Nicholas Hunt Paying by plastic is becoming ever more common, not least because of the rise of online shopping. How can people with poor credit ratings get approved for a credit card? Get in Control of Your Credit Card Debt By : Michael D. Strauss Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of control. Is Credit Card APR All That Counts? By : Nicholas Hunt Choosing a credit card isn't simply a matter of going for the one with the lowest APR interest rate, you need to match the card to the way you spend. Getting it wrong can be costly, so how do you decide which type of card to apply for? Ways to Avoid Bankruptcy By : S. Lieberman Many people now a days have severe financial difficulties. While bankruptcy is usually the last resort in a long road of financial pressures for many, others may declare bankruptcy a little too early, sometimes without even considering the bankruptcy alternatives. The Consequences of Credit Card Company Created Bankruptcy By : National Association of Responsible Lending and Investment When you first began using credit cards, the credit card companies offer you more cards and larger credit lines. They acted this way because they wanted you to live beyond your means. These companies make money when customers carry high balances and pay hefty interest rates. Your Credit Score Can Be Destroyed By Simple Credit Inquiries By : Thomas Rendleman Credit scores can be destroyed by simple credit inquiries. Discover this valuable secret to help you keep your credit score from plummeting. Once you discover this little known technique you'll never look at credit the same way again. By Thomas Rendleman Evaluating Balance Transfer Offers on Credit Cards By : Tim Day When looking to get a new credit card, there are many things to watch out for. Credit Card Cheques - An Expensive Convenience By : Michael D. Strauss Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost. Credit Card Balance Transfer Fees By : Michael D. Strauss Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born. Why A Balance Transfer With Your Credit Cards Makes Sense By : Gloria Smith Many people have made the mistake of willingly (or unwillingly) racking up hundreds, possibly thousands of dollars worth of credit card debt. Even if they decide to pay more than the minimum and snip the offending cards in half in order to curb their desire to spend, the damage has been done. Why Business Credit Cards Are Essential in Today's World By : Gloria Smith In today’s society, it is virtually impossible for anyone, from individual users to corporate entities, to survive without a single credit card. Not only does a credit card take away the perils of carrying large wads of cash, it is also a convenient way of making purchases during times of emergency 0 APR Credit Cards – Choosing Right Will Save You Money By : Gerard Heitz An article for consumers to save money by learning more about the positive effetcs of 0 APR Credit Cards. A guide to a Secured Loan By : Mike Trusler The common form of a secured loan is that it is one set up with some form of security for the lender. If the borrower fails to repay the loan then the lender may take hold of the security and sell it to repay the loan. Much the same thing can occur with a mortgage which is sometimes called a home loan and is a kind of secured loan in that it is secured on your property. Do You Know The Difference Between A Hard Inquiry or Soft Inquiry On Your Credit Report By : Liz Roberts You know that too many inquiries can hurt your credit score. So choose what you apply for carefully and really think about whether or not this new credit card or loan is worth dropping your credit score by a few points. Cash for Credit By : Gloria Smith There are many kinds of credit cards out in the market and, due to the cut-throat competition amongst the providers, credit card companies are coming up with various promotions: such as waived annual fees, to entice non-card holders to sign up for their services; and rewards programs: in the form of The 2nd Most Important Travel Item - Next To Your Passport By : Gloria Smith It’s a given that for travellers, the most important item they need to bring at all times would be their passport. Not only is this a valid form of identification, without this, they would not be permitted to go in and out of any country. Is Cashback The Future For Credit Cards? By : Michael D. Strauss Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit? Getting Out of Debt By : Nelly Do you have too much debt? This guide will help you make a plan to pay off your debt and live a less streessful life. Credit Card Wars: Low Fixed vs. Zero Introductory By : Tim Day You call a credit card centre and seek information about their line of cards. Reason Your Credit Scores Still Go Down When You Do Everything Right By : Stephen Snyder Any new habits you begin today in managing your credit will begin to affect your credit scores in 30 to 60 days. This is due to the lag time between the action you take versus how long it takes the lender to report that action to the credit reporting agencies How Important Is Credit Card APR? By : Michael D. Strauss Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate. The Best Way to Improve Credit Scores By : Stephen Snyder Your negative reason codes are the keys to unlock credit doors that up until now have been slammed in your face. Evaluating Credit Cards and Their Services By : Gloria Smith There are several credit card providers out in the market and each provider has a host of other kinds of credit cards which aim to meet the demands of different kinds of consumers or users. There are cards that provide rebate points for every gasoline purchase, and cards that give discounts on bulk How to Get a Car Loan if Your Credit Rating is Low By : Darlene Prestamo In this era of purchasing a car financed through a bank, there is a big rush to get the best deal. However before indulging in any kind of deal everyone should check their credit rating. Credit rating plays a vital role in making a good deal both for the car dealers and the customer. Car dealers prefer buyers with good credit rating. On the other hand if you hold a good rating you are likely to get one of the best deals, which others could only long for. Moreover, it entitles you for the loan in first place and leaves you happy and satisfied and saves your time too. Reducing Debt Through Balance Transfers By : Gloria Smith It may sound strange but if you are in debt because you inadvertently charged every single purchase you have made in the past year to your credit card, and yet only manage to pay the minimum - you can actually get out of the vicious cycle by getting another card and then transfer your balances. Conf Build or Rebuild your credit rating with credit By : Tim Day For someone that has never had credit before or has had credit difficulties in the past, obtaining credit anew could prove tricky. Simple Steps to Prevent Credit Card Fraud By : Michael D. Strauss Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you. Credit Cards and how to prevent yourself from Fraud. By : Cbag Credit card fraud is running rampent these days with more and more people using credit cards then ever before. Credit cards are used in gas stations, resturants, bars and the most notorious place to get your credit card information stolen is through the use of the internet. You need to keep your credit card information safe from prying eyes. The Best Credit Card Promotions In An Instant By : Gloria Smith In today’s highly competitive society, it is normal to see service providers fight amongst each other in an attempt to retain their existing customer base and, at the same time, get others to use their services. Providers vying for the attention of the same target market need to come up with ways to The Pre-Paid or Deviant Credit Card By : Gloria Smith What, you may ask, is a deviant credit card? Well, simply put, a deviant credit card is one that may look and feel like your regular credit card, but has properties that are different from what standard credit cards have. For example, a credit card is normally issued by a bank and the institution pe Which Kind Of Credit Card Should I Choose? By : Michael D. Strauss There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need. When Not To Use A Credit Card By : Michael D. Strauss Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble. Credit Report Management is Critical for the College Graduate to Achieve Success By : Mel Richardson More and more of our daily transactions are now dependent upon our credit. Transactions such as the purchase of a mortgage, life insurance, automobile insurance, credit cards and loans. The amount you pay for these products can be astronomical if you have a derogatory credit report. What to Do When Your Credit Card Interest Rate Increases By : Stephen Snyder If your credit card lender does conduct a universal review on you and you're negatively affected by their decision—here's what to do. Credit Cards: Why You Should Pay More Than The Minimum By : Michael D. Strauss Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimuum repayments will make the situation worse, and this article explains why. Why Your Credit Report Will Never Be Right By : Stephen Snyder Even if you significantly pay down the balances on your credit cards for the right reason (to improve your credit scores so you could obtain better credit terms at the lowest possible interest rates), you won't see the effect on your credit reports for 30 to 60 days—and in some cases even longer Being Careful With Credit Cards By : Devin Gilliland When it comes to getting equipped with a credit card, many people are aware of the advantages and disadvantages, but few are aware of how to ensure that they are getting the best deal through being careful about the credit card provider they use, and ensuring they have read the terms and conditions, and are therefore aware of all the cost centers that will affect them during their contract. Choosing a Credit Card By : Devin Gilliland Credit Cards are becoming an increasingly popular method of financing purchases. However, this has brought much negative press to accompany the inherent advantages. Why is this? First and foremost many are failing to comprehend the best-practice use of a credit card. This means only using it to finance purchases that you can afford to pay off in the short term. For those that follow this rule, credit cards work great. Credit Card v Debit Card By : Devin Gilliland With the rise in popularity of credit cards and debit cards, over 40% of offline transactions are now conducted using plastic over cash. With this set to rise to over 2/3 thirds by 2012, the question remains – should I be using a credit card or debit card? For most, the answer is far from simple, and comes as a result of a number of factors, such as the size of a transaction, the transaction type and your current liquidity. Credit Cards: Answers to the Approval Process By : Devin Gilliland This is where companies have already looked at your credit history before they have offered you a credit card. This means that you are in a position to accept their offer without having to go through the process. Credit Cards: Playing it Safe By : Devin Gilliland When it comes to credit cards, far more risk can be out there other than debt you are not able to afford or an accumulation of expenses that you were not fully aware of prior to entering into the contract. With credit cards, risks exist that are entirely out of the hands of consumers, and these risks can be reduced by prudent and careful actions. Credit Ratings: The Holy Grail for Credit Card Companies By : Devin Gilliland When it comes to getting a credit card it is fair to say that consumers are awash with offers flowing from all places. The finance market provides stability for both consumers and businesses, but what makes a consumer a good choice for business and more importantly, less of a risk to a credit card business. How to Work out the Cheapest Credit Card? By : Devin Gilliland With the rise in popularity of credit cards many are finding that they are the best choice when it comes to online purchases, providing temporary finance and also ensuring that you have an element of security that other payment services offered by banks do not provide. Despite this, other inherent disadvantages are causing many to choose not to contract with a credit card service provider. Top 10 Credit Card Usage Tips By : Devin Gilliland Credit cards are often misused, and as a result of this misuse lass than savvy financial planners end up in more trouble with credit cards than they had ever anticipated. By following these top 10 tips, you will end up in less trouble and you will ultimately save money. Understanding Credit Card Terms By : Devin Gilliland When it comes to getting a credit card, what may appear to be the best option at first may not work out like you expect. That is why getting your head around the industry jargon and terminology can put you in a better position to work out what will be the best deal for you. Understanding Credit Cards By : Devin Gilliland Quite simply a credit card gives you a loan of money to finance purchases. Everybody has a limit as to how much they can spend, and this is known as your credit limit. At the end of each month you have a decision as to how much you would like to pay off. How To Compare Credit Card Offers By : Joe Kenny Getting the credit card you want makes having the right one worthwhile. So many different offers make it necessary, though, to compare credit card offers before you sign on the dotted line. Are Online Credit Card Applications Too Easy? By : Michael D. Strauss Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it. Summary of Credit Card Terms - Part 1 (A-B) By : Devin Gilliland Account Number – This is the number given the most exposure on a credit card. Often around 15 letters, and embossed on the physical card that the financial institution will give to a customer. Summary of Credit Card Terms - Part 2 (B-C) By : Devin Gilliland Business Credit Card – This is a credit card, where the entity liable for payments is a business rather than a person. Summary of Credit Card Terms - Part 3 (C-I) By : Devin Gilliland Credit Card – The plastic card provided by the financial institution which is used to authorize payments and contains details that can authorize payments in cases where the card is not present at the merchant’s location for a transaction. Summary of Credit Card Terms - Part 4 (M-P) By : Devin Gilliland Magnetic Stripe – A magnetic stripe contained on a credit card processes transactions where the card is present. This provides identifiable information that will allow the merchant to debit their customers account via the issuer. The magnetic stripe has magnetic and physical qualities as defined by standardization benchmarks including 7813, 7810 and 7811. Summary of Credit Card Terms - Part 5 (P-P) By : Devin Gilliland Per Transaction Fee – Fee in which the merchant pays to the merchant bank in order to process a transaction. When charged as a per transaction fee this will generally be a fixed fee, regardless of the size of the transaction. This is why certain retailers allot a minimum amount of expenditure before they will process a transaction. Summary of Credit Card Terms - Part 6 (R-S) By : Devin Gilliland Receipt – When used in the context of credit card, receipt means a document that provides a record of a transaction that took place at a point of sale, and may also refer to a printable copy for a card not present transaction. This will include transactional details, details of the buyer. The date, amount and a reference number will also be present. Summary of Credit Card Terms - Part 7 (S-V) By : Devin Gilliland Statement, when used in the context of credit cards, refers to a written record prepared by a credit card company that is usually issued monthly. This will list all transactions and debits/credits that affect a customer’s account. Customers should ensure that they check their statement in detail so that they can raise any issues whilst they can remember their transactions from a given month. Credit Card Fraud: Avoiding the Unavoidable By : Devin Gilliland Credit card fraud is on the rise, with certain sources claiming that the internet has been the breading ground of this illegal industry. With reports suggesting that around 1 in 40 transactions are fraudulent, how can we as consumers avoid facing the brunt of credit card fraud? Credit card fraud can be as hard to trace, as it is easy to commit. Credit Cards – Do’s and Don’ts By : Devin Gilliland Credit cards are becoming an increasingly popular way of processing transactions. Today, around 20% of adults in the USA use plastic over cash, however as more people decide to use credit cards, more controversy arises over their misuse. So how should we be using our credit cards, to ensure that we avoid trouble and take advantage of the many features and benefits that credit cards offer? Credit Cards v Bank Overdrafts By : Devin Gilliland When it comes to borrowing money both bank overdrafts and credit cards are seen as effective solutions in the short term. Both have inherent advantages such as flexibility and short-term cost effectiveness, but what are the disadvantages and how should you decide which is the best solution for your circumstances? Credit Repair For Yourself By : Martin Sumner There are thousands of websites offering their services in repairing a bad credit rating. Unfortunately however, there's no magic bullet solution, but that doesn't mean there's nothing you can do to improve the situation.
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