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May 31, 2007
Avoiding High Credit Card Interest Payments
Most people are far too busy to take the time to evaluate just how much they are paying in credit card interest. There's potentially hundreds of dollars you can save each and every month if you take a couple hours to look at your credit card statement and take action to reduce your credit card interest rate.
Yes! You can reduce your credit card interest rate very easily.
The first step you should take is a phone call to your current credit card company. Simply tell the representative on the phone that you can get better rates on balance transfer cards that their competitors are offering. Mention that you can take your business elsewhere and get a 0 APR introductory rate and kindly ask them to match that rate for at least 6 months.
In most cases your current credit card company will extend this offer to you but if they don't say "good-bye" to them and promptly get a balance transfer with a 0% introductory rate for the longest period possible. This will instantly save you lots of hard earned cash on interest payments.
My favorite balance transfer card is the Blue Card from American Express because you can get up to 15 months interest free. That's right, over a year of not paying credit card interest!
Tip for eliminating credit card debt:
Take the interest you are saving and apply that directly to the balance on your credit card. Doing so will get you out of credit card debt faster than you ever thought possible!
I know you're busy, life does that but please take the time to have a look at your credit card bills and take action today
Posted by Colin at 01:14 PM | Permalink | Comments (0) | TrackBacks (0)May 30, 2007
Game of Life Set to Sell Visa to Kids
I just read a report at Kiplinger.com that mention Hasbro is re-launching what was one of my favorite childhood games, The Game of Life however they are going to be changing one fundamental aspect of the game.
Rather than using play money Hasbro will be having Visa cards.
I have to say there is no way that I am going to be allowing my kids to play the new Game of Life.
Come on Hasbro! They're kids, we're parents and we are trying to teach our children the value of hard cash. For the powers that be at Hasbro, your deal with Visa might be lucrative for you however think about what you're trying to teach my kids. Your Game of Life is a great game however you are now setting out to remove THE single most important educational aspect of the game and that's learning about managing money.
Now you are out to remove the value of money and teach kids from a very young age to use Visa.
Hasbro, are you trying to create a nation of poverty by teaching kids to use credit cards?
Darn it, I really loved the Game of Life but I have to let you know I will not be purchasing the updated Visa version of your game!
My kids are going to be taught the real value of money and are not going to be taught to use their credit card as the primary means of spending.
Posted by Colin at 01:15 PM | Permalink | Comments (0) | TrackBacks (0)May 25, 2007
Not Enough Cash To Pay Your Bills?
One problem many folks have when they start to slip down the debt hole is finding a way out.
It's incredibly easy to acquire debt. The burden of debt can really start taking it's toll on every one around you. With the greatest intentions you try plan after plan to eliminate debt but nothing seems to work. There's just not enough money to pay all your bills.
Feelings of depression and despair start to consume your every waking hour and you are losing tons of sleep.
You think, "if only I could get some overtime at work to pay of this debt" but that doesn't ever seem to pan out.
What can you do?
Is it possible to earn extra income consistently to pay off debt?
Yes it is possible!
There's currently an incredible deal on a training program that can get you earning more money and finally get you out of debt.
The program is called The Fly on the Wall Club , it will show you step by step how to make money online so that you can pay off your debt faster and get back to enjoying the peace that freedom from debt brings. The program runs for a full year. I strongly urge you to have a look into this and earn the extra money you need to pay your bills. Click here to have a look.
Imagine Credit Card Review
I am writing this review of the Imagine credit card today because I just received a phone call today from a visitor to crediteria.com asking me what is the best credit card for a person with bad credit.
Louise was in a position where some bad choices from the past put her in the spot of having a horrible credit rating and now after some soul searching Louise is ready to fix her credit score.
The reason I recommended the Imagine credit card to Louise was the fact that the Imagine card offers the ability for people with bad credit to rebuild their credit score by using a card with one of the lowest fees available.
The Imagine card provides a low line of credit option of $70 with an annual fee of only $15.
No, it's not a huge line of credit and that's a really good thing! Having a small credit limit will prevent you from getting into financial trouble and will help you restore your credit rating.
The fact is that when you have bad credit there are much higher fees. The Imagine credit card keeps your fees low and reports to the credit bureaus which means you save money on bank fees and you get to restore your credit rating.
Read more and apply online for the imagine card here.
Posted by Colin at 01:40 PM | Permalink | Comments (1) | TrackBacks (0)
May 23, 2007
Chase Home Improvement Rewards Card Review
Attention Do-It-Yourselfers, are you thinking about a home improvement project?
Would you like a credit card that is going to reward you for your handyman skills?
If this sounds like you then check out the Chase Home Improvement Rewards Credit Card, it will be the best card for you.
The first reward this Chase card offers is a free Zircon iLine Laser Level after your first purchase, that's a free gift valued at $39.95 just for buying something with your Home Improvement rewards card.
Here's a summary of the rest of the rewards
1. Earn up to 3 points for every eligible dollar and 1 point for all other purchases on every dollar you spend on the card. That's equivalent to an instant 3% savings on your home improvement spending
2. Entry into a dream home sweepstakes.
3. Receive home renovation hints and tips with every statement
4. Best of all, get up to 12 months interest free on balance transfers
5. Next best feature is No Annual Fee
Crediteria.com recommendation:
Apply for the Chase Home Improvement Rewards Credit Card, especially if you want to earn huge rewards at stores such as
Amazon
Sears
Linens-n-Things
Bed Bath & Beyond
The Home Depot
Circuit City
Best Buy
Snap-on
Basically, if you plan to buy anything for your home the this is the perfect Chase credit card for you.
May 17, 2007
Gold Reward Card for Business from American Express
Gold Reward Card for Small Business Review
The Business Gold Reward Card from American Express is soaring in popularity with small business owners. Since noticing many more business owners applying for this card we felt it necessary to study the benefits of the Amex Business Gold Reward Card.
The primary factor for showing you what the best credit cards are is popularity of the application with business owners and consumers. When we see a card that is getting the most applications we proceed to perform an in depth review of the card to tell you why.
Why the Gold Reward Card is best for Your Business
Let’s take a look at what the Gold Reward Card for business offers to your company
Since I am a business owner too, I always want a card that offers rewards so that I can treat my family to trips to DisneyLand (or wherever they want to go). As business owners we put our blood, sweat and tears into our businesses. Sometimes our families suffer because of our grueling business life and they deserve to be rewarded.
This card offers some amazing points, check this out:
• 5,000 bonus points on your first purchase3
• 5,000 bonus points when you spend $20,000 each year of Cardmembership
• 20,000 bonus points when you spend $50,000 each year of Cardmembership
• 10,000 bonus points for your first year renewal
• 60,000 points earned for $5,000 monthly average spending
That’s just the benefits from the rewards points the Gold for small business offers. You get the benefit of insurances and emergency services with this card!
Here is an overview of the benefits:
1. $100000 travel insurance coverage
2. Baggage insurance
3. Car rental insurance on both loss and damage to rented vehicles
4. Extended warranty insurance on purchases
5. Return protection on items you buy
6. Emergency card replacement within 24 hours (that’s huge peace of mind on business travel)
7. Identity theft protection service. American Express offers a 24 hour a day service to help you determine if you have been a victim of identity theft
8. Emergency check cashing service at locations globally
The American Express Gold Business card also waives the annual fee for the first year and after that it’s only $125/year, that’s a small fee to pay for all the benefits on a business rewards card
Posted by Colin at 04:06 PM | Permalink | Comments (0) | TrackBacks (0)
May 15, 2007
Chase BP Visa Rewards Card
Why Apply for the Chase BP Gas Rewards Credit Card?
Have you put gas into your vehicle lately? Ouch, the price at the pump is sure causing financial stress!
With the incredibly high price of gas these days, the most valuable rewards are on gasoline.
Here’s what you will get with the Chase BP Visa Rewards Card
Get double the rewards for the first 2 billing cycles. That’s a 10% savings on your gas purchases for 2 months. Ongoing you will get 5% rewards on your gas purchases and rewards on travel and dining Get up to 6 month at 0%. No Interest for 6 months provides you with even more savings.
If you find yourself in a situation where you can barely fill up your car then you should apply for the BP gas reward Visa card and start saving 10 percent right now and 5 percent ongoing. Your rewards can be issued either in the form of a BP gift certificate or a check written to you.
Apply online for the Chase BP Visa Rewards Card
Posted by Colin at 12:10 PM | Permalink | Comments (0) | TrackBacks (0)
May 14, 2007
Amazon Credit Card Rewards
Chase Amazon.com Business Visa® Card Review
Apply Online
If you do a lot of shopping at Amazon.com and have your own business then the Amazon credit card is perfect for you.
What I suggest to business owners is to make all your purchases for your business on the Amazon business credit card and reap the rewards on personal spending. Keep in mind that your business spending is a tax write-off so use the rewards to make personal purchases.
Here is a summary of the rewards you will earn with the Chase Amazon.com Business Visa® Card:
- Earn triple rewards for purchases at Amazon.com.
- Earn one point for every dollar spent everywhere else.
- Get a 0% APR for 6 months on balance transfers (if you currently carry a balance on your credit card, that's some instant savings for you).
- Zero liability unauthorized protection
This is a business card that is tailored for the avid Amazon.com shopper or business owner with Amazon shoppers in their family. If you aren't already an Amazon shopper then take a look at other credit cards with rewards and low interest savings. However, if Amazon is your thing then this is the perfect credit card for your business.
amazon :: business :: rewards Posted by Colin at 09:49 AM | Permalink | Comments (0) | TrackBacks (0)May 13, 2007
Borders Bookstore Rewards
How much do you spend at Borders Bookstore?
I have 2 young daughters who both LOVE to read and are costing me a small fortune with are seemingly daily trip for more Borders books.
While my kids reading is costing me a fortune, I don't want to discourage them so I think this might be the perfect credit card to encourage their reading and ease the finances
Review of the Borders Rewards Credit Card
Earn 3 rewards points for every dollar spent at Borders bookstore
Receive 2 points for every dollar spent on gas, dining and grocery purchases
Get 1 point for every dollar spent on everything else
I am thrilled with the points earned at Borders and Waldenbooks alone!
It's an added bonus that I earn rewards points on all my other credit card spending too.
If you buy a lot of books like I do then the Borders bookstore rewards card is perfect
Click Here to Apply Online for the Borders Rewards Card
USA Gold Credit Card Review
The USA Gold Shopping Credit Card is just that, it's a line of credit that you can use to shop with USA Gold. It's great for rebuilding credit and offers some great perks.
I recommend USA Gold for anybody that wants to re-establish or establish their credit score. The USA Gold Card reports to the credit bureaus so it's your opportunity to gain excellent credit.
Other perks and rewards USA Gold offers:
1. A $300 Grocery Coupon Card
2. A $50 gift card
3. A 30 day free credit report
All this with no credit checks, no employment verification.
With the USA Gold card you will be able to purchase merchandise, rebuild your credit score and receive some free rewards ($350 of free rewards!)
Apply Online Now for the USA Gold Card Here
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May 12, 2007
What's Best to Pay Credit Cards
I am often asked:
What is the best way to pay off credit cards?
Well, my friend, the best way to start chipping away at credit card debt is to just get off your butt, stop watching TV, invest your time into creating a business.
Yup, that's right, get off your lazy ass and do something different.
How much time do you spend watching the tube?
Rather than sit there rotting your mind and letting your debts just accumulate, why not take action now to change your world.
Yeah, I was once in your spot. Massive credit card debt, not enough money to cover the bills...
But, I took action...
I tuned out on TV and tuned in to creating a better financial situation for my family...
Now I live in a world of abundance, I feed hungry poor people, I enjoy abundance in every day life!
I want you to enjoy the lifestyle I do.
It's a lifetyle that will pay off lots of debt and provide the best financial picture for you and your family...
Yes, I do have a training program...
Yes, I am charging for it....
No, I am not going to rip you off, I want to help!
My philosophy is to help people...
Yet I truly want to help...
So, I have created the best program to help pay off credit cards and all your debts and provide a sustainable source of income for you.
An income that YOU are in control of.
Decide how much you want to make, devote your energy and you will make a success story for yourself.
Check out my training program here
Posted by Colin at 01:24 AM | Permalink | Comments (0) | TrackBacks (0)May 09, 2007
Credit Card APR Wuzzup
Credit card APR's can be very confusing for most so let's chat a bit about what all these freakin' APR's mean. It's bloody confusing for most because every credit card has several APR's attached to it
1. Intro APR's - Introductory rates are used as short term bait to gain you as a client. Every bank offers an incredibly low APR to attract you as a customer. Intro rate usually are for 6 to 12 months and come with many outs for the bank. Default on a single payment and kiss off the intro rate
2. Purchase APR - A rate you pay when you make a purchase of a product with you credit card
3. Cash Advance APR - Draw cash from your credit card and you will pay a very different rate from purchasing products on your credit card. Big time hint: Never use your credit card for cash advances, the banks are going to hammer you this.... Did I mention, never use your credit card for cash advances
Posted by Colin at 05:30 PM | Permalink | Comments (0) | TrackBacks (0)May 04, 2007
Chase GM Business Card Rewards Reviewed
If you are like me and run your own business and love buying new GM vehicles, currently I have a 2005 Chevy Avalanche and a 2007 Chevy Uplander, then this is THE perfect card for you. Earn GM reward points and get your next vehicle faster
If you think about all your business expenses you will soon realize that earning rewards for your personal use is something you have to consider with your business credit card.
Here are some of the rewards offered from the GM Business Card from Chase:
If you love GM vehicles then this is the business card for you
Apply now:
May 03, 2007
American Express Business Gold Rewards Review
Attention Business Owners, Amex Wants You
American Express has expressed a serious interest in acquiring customers that operate businesses with their Gold rewards card.
Since I am a small business owner, I am always looking for more rewards and in general anything that will reduce my costs. The Amex Business Gold really caught my attention because of the phenominal rewards such as:
As a guy that runs his own show, free travel really gets my attention. I am very busy traveling in business and what better reward than free travel to reward my family for their patience while I go on all sorts of business trips to Las Vegas, Orlando, Miami, Toronto, Vancouver and Las Vegas again than to say, "You know what, I have tons of points on the credit card. Let's take the kids to DisneyLand". And I am an instant hero at home. All my business travel is quickly forgotten about (for a while anyway)
If you are a business owner and want to be a hero at home too then I highly recommend the Gold Business card from American Express. Travel rewards, pay no annual fee for your first year and your employees can get Amex Green cards with no annual fee too!
Apply for the Amex Business Gold Rewards card: