0 intro credit card with no interest on new purchases.
Tip: Review Free Credit Card Tips for Matching Your Credit to the Best Card for You
People today are not limited to only using cash or writing a check for what they want, due to the availability of debit cards. They are good for those who want to pay as they go and who like to use plastic. These cards can be accepted by business that display the card logo. They are getting to be more popular each year, and more people are using them. The difference is that the cardholder must pre-fund the account.
It may be that some people who use them, take more time to consider the purchase they want to make, which can be good for their finances. Unlike thousands of people who go on a charging rampage and find themselves deep in credit card debt weeks later. Becoming more financially responsible can make life easier by not being in debt. For those who are not responsible about using unsecured credit cards, they often decide to destroy their cards, to keep from being in debt. This is why they may choose to use a prepaid card instead.
Credit cards are great tools to use to manage a business or personal finances. Expenses can be tracked, exchanges can be easier, and having a statement that can be used for taxes or purchases can be extremely helpful. Those who never learn to manage their finances are always at risk for having problems. It is not credit cards that are bad, it is how people use their credit card and later do not pay for the charges that is bad. People need to have control over their spending.
Credit cards and debit cards are both great to use, but when consumers abuse the terms and conditions, they are at risk of being charged late fees or higher rates. This can happen with many accounts, not just for cards. It is up to credit card and debit card holders to know what their terms and conditions are for having the card. Many times credit cards come in handy for a small business owner, as a way to get a short term loan.
When there is a fraudulent charge on a credit card bill, the card holders' liability may only be $50 of the fraudulent charges. Many card issuers have zero-liability policies for victims of identity theft. Credit cards have allowed many people to create a good credit profile. Having a credit file and a good score, requires people to spend and pay their bills responsibly. Having a credit history can be important when trying to buy a home or auto.
For people who have poor credit, there are credit cards to rebuild credit. Rebuilding credit requires that good paying habits are consistently reported to major credit bureaus. Choosing a company who reports how the cardholder paid their bill, is one good way to try to establish or repair bad credit. Fees and terms vary among issuers, be sure to compare these before applying for any card.
American Express Offers Promotion of Free Two-Day Shipping with ShopRunner to U.S. Consumer Cardmembers
American Express today announced it has signed a multi-year marketing agreement with ShopRunner. As part of this agreement, ShopRunner is offering American Express U.S. Consumer Credit and Charge Cardmembers one-year of free two-day shipping, currently valued at $79 a year. Starting May 15, Cardmembers can enroll at www.shoprunner.com/americanexpress and begin enjoying a year of free two-day shipping at ShopRunner’s more than 70 retail partners, such as Toys"R"Us, PetSmart, drugstore.com, and Sports Authority, among others. This promotional offer is available through May 15, 2014.
Chase Helps 126,000 Homeowners In Completing the National Mortgage Settlement
May 20, 2013
Citi® Dividend Platinum Select® Visa® Card – A Dividend Visa Card from Citi®
Benefits of this card:
will be 12.99%-22.99%, based on creditworthiness
a variable APR will be 12.99%-22.99%, based on creditworthiness
- Free enrollment each quarter for new categories with cash back.
with the Citi Bonus Cash Center®2
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.1
Survey: Childhood Dreams Matter More When Teens Choose a College Major
Parents Wish Choices Depended More on Improving Future Job Prospects
RIVERWOODS, Ill.--(BUSINESS WIRE)--May. 21, 2013-- Making money matters when college-bound teens think about their majors, but following a childhood dream means more, according to an independent survey of college-bound teenagers and their parents. The survey looks at what factors into important college decisions and was commissioned by Discover Student Loans, one of the largest originators of private student loans in the country.
Parents and their children rank influencing factors differently when choosing a college major. Parents are much more focused on increasing opportunities for employment after graduation, while children are more interested than their parents in the potential to make a lot of money.
When declaring a major, what should play a leading role when making a decision?
Dreamed of a particular career since childhood
“A college education has lifelong benefits. Our survey looks at the discussions families are having around education and how aligned they are around important college decisions,” said PK Parekh, vice president for Discover Student Loans. “It’s apparent that most parents and their college-bound students are thinking about future careers and earning potential.”
Why Go to College?
As families discuss higher education, parents and their college-bound children are more united when it comes to the motivations for attending college – both have getting a job in mind. Both groups also place becoming independent and attending parties at the bottom of the list.
What are the primary motivations for attending college?
Getting a Job versus Getting Paid
Although both students and their parents believe that getting a job after college is important, they disagree on what students should gain from a college degree. While students want a job that pays well, parents hope their children graduate with skills that can apply to a wide array of jobs.
What is the biggest benefit from attending college?
Both groups agree that gaining independence and expanding social circles are not the primary focus of what students should get out of college -- they received the lowest responses.
What is the biggest accomplishment after graduating from college?
Among the least popular responses:
3% Independence from parents
“It’s clear from our findings that parents and children from the same household are not always aligned on important college decisions,” said Mr. Parekh. “We encourage families to start the discussion process early and research all options and outcomes from choosing a major to paying for a college education.”
Major credit card issuers, such as American Express, Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an introductory period. These types of cards are generally unsecured platinum credit cards with high credit limits, and only people with good to excellent credit can get approved. High credit limit platinum credit cards require above average credit because of the issuer's financial risks. The credit card issuer evaluates their risk by reviewing your credit report to see if you have been paying obligations, including other credit card payments, on time.
About 0 interest intro credit card offers: Several major credit card issuers offer 0 interest introductory rates, but to qualify you must have good to excellent credit, and in most cases you must maintain good credit even after you receive the card.
Paying a 0% introductory rate on a credit card can be a super deal but you'll need to be careful. With 0 introductory credit card offers, what appears to be a great deal could turn sour.
You may apply for a zero percent deal and get a card with a higher teaser rate or no teaser rate at all, depending on your credit. No issuer is going to offer an introductory zero interest rate to someone who's maxed out on their cards or who's been late on several card payments.
Read all the fine print - several times. Is the 0 intro period for purchases or balance transfers or both? When does the introductory period end? What kind of interest rate will you pay then?
If the 0 interest teaser rate is on balance transfers only, avoid making any new purchases with the card. Issuers have a policy of applying payments to balances with the lowest interest rates first. You'd have to pay off the entire balance transfer before a single penny gets directed to any new purchases you've made with the card.
Be on the lookout for fees. Some cards charge you a fee for each and every balance you transfer to the card. Make your card payments on time, or even better, ahead of time.
And don't forget about your other cards. Paying late on other cards may void your new card's 0 intro rate. Read the Terms carefully.
Author: Credit Federal
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