August 23, 2008
0 APR Credit Card Offers get you out of Debt
No Interest Credit Cards and Your Credit Card Debt....
You are a very smart person because you are ready to take control of putting cash back in your wallet. One of the most expensive debts to hold is that which is on your credit card and I say you are smart because you realize that and you have the wisdom to apply for a no interest credit card.
Beyond saving money on interest there are some other issues to consider to maximize your savings.
The Top 5 Considerations for No Interest Credit Cards:
1. How long the no interest intro APR (Annual Percentage Rate) intro period applies.
2. What the terms and conditions are for your introductory period
3. Does the no interest period apply to balance transfers?
4. Does the interest free period apply to new purchases?
5. Are there added rewards that say you can redeem for gift cards?
Issuers Offering a No Interest Introductory Period
Before you apply for a card to take advantage of no interest card offers you need to apply for the right offer. Because everybody has a different credit rating and everybody is at a different point in life, credit cards are categorized and then sub-categorized from there so here are top no interest credit card offers by main category
Best No Interest Student Credit Card
Capital One® Standard Platinum for Students
Best Bank of America Offer
Bank of America® Platinum Plus® Visa® Card
Best Capital One No Interest Offer
Capital One® Platinum
Best American Express Card with 0% APR Intro Offer
Discover Card
The Discover credit card offer, Discover® Open Road(SM) Card has been chosen best in class for people with good credit
Best Card for People with Bad Credit
HSBC Bank - Orchard Bank Classic MasterCards
Introductory Rates and Periods
Introductory Rate Purchases : 0%
Introductory Period Purchases : 6 months
Introductory Rate Balance Transfers : 0%
Introductory Period Balance Transfers : 6 months
Interest Rates
Purchases : 7.90% - 15.99%
Balance Transfer :7.90% - 15.99%
Cash Advances : *
Penalty : *
Fees
Annual Fee : $0 - $79
Late Fee :$30-$35*
Cash Advance Fee : $5 or 5%*
Balance Transfer Fee : 5%* ($10 min.)
FCE Fee : 3%*
Best No Interest Business Credit Card Application
Capital One® Business Platinum with No Hassle Miles(SM)
Best Cash Back Card with No Interest
The best cashback bonus is always getting paid the first time you use your credit card.
The Chase Freedom Card gives you that, $50 cash back on your first purchase now that is a great deal! A credit card that instantly pays you when you use your card, you know you have to take advantage of that, apply today (click here for online application).
If the suggested no interest card offers listed here don't fit your current credit situation or if you want to view other cashback reward, travel, or even gift card offers then visit our comprehensive low rate credit card application section of the site (click here).
Posted by Colin at 03:56 PM | Permalink | Comments (0) | TrackBacks (0)January 29, 2008
Bad Credit Costs You Money
Did you know that having bad credit is one of the most costly circumstances you can be in?
It doesn't seem right on the surface that with bad credit you pay more. Bad credit costs in much higher lending and service fees and astronomical interest rates.
If you have bad credit it is imperative that you start making headway on restoring your credit history. If you don't you are doomed to pay a lot more than you have to.
The team and Crediteria.com takes helping those with bad credit very seriously and we are on the look out for services that can help you get out of debt and restore your credit.
We just found a service that will provide you with a free credit consultation to help you get out of the woods.
Here is an overview of what they offer:
Posted by Colin at 03:04 PM | Permalink | Comments (0) | TrackBacks (0)A better credit score can save you money. With the help of a professional law firm, U.S. consumers are improving their credit scores. Removing incorrect and damaging information from your credit report may be done, but it takes time, hard work and know-how. Get help from professionals and earn your best possible credit rating. The service is:
- Quick
- Effective
- Conducted by experienced legal professionals
- And you can start with a FREE, no obligation consultation!
January 05, 2008
Bank of America Money Return Visa
Here we are in the first few days of 2008. The holiday season is winding down and the bills from credit card spending will soon be arriving in the mail and like millions of other people you are wondering what the heck you are going to do about all the credit card debt that is piling up.
If you have tended to carry a balance on your credit card the debt load you have will quickly start to sink you if you don’t take action to reverse the adverse effects of credit card debt.
To start making some headway on your credit card balance the best thing you can do is get a new credit card that gives an interest free (0% APR) introductory period so that you can save some interest payments during the intro period.
One of the best credit cards I have found for people that carry a balance and are serious about getting out of credit card debt is the Bank of America Money Return® Visa® Platinum Plus®.
The Bank of America Money Return® Visa® Platinum Plus® gives you an interest free introductory period plus gives you 10% cash back on your interest.
The best thing you can do to start digging out of credit card debt is apply for the BoA Money Return Visa and make payments during the introductory period as though you were paying interest to start chipping away at the balance owing and then after the introductory period expires use the 10% cash back to apply to the balance owing on the card. By taking actions like this you will accelerate the rate at which you get out of credit card debt.
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Posted by Colin at 01:07 AM | Permalink | Comments (0) | TrackBacks (0)
November 27, 2007
Credit Cards and Holiday Frenzy
Last year at about this time, I had a little creative energy in me and perhaps a little holiday rum and egg nog and I wrote a little credit card christmas carol. You can read the Christmas credit card song here.
The holidays a joyous time of celebration and giving but it is crucial that you remember during your christmas shopping frenzy that you remember your household budget. Yes, it's wonderful to give but not at the expense of 18% and higher interest rates. Remember the joy you are experiencing now in spending up a is going to appear on your New Year credit card statement.
If you are in the mode of over-spending on Christmas shopping stop right now and start thinking of ways to save some money and provide a thoughtful gift.
One way to save some money is to give a gift such as "cookies in a jar", where you add the ingredients to make cookies with baking instructions in a nicely decorated jar. It's thoughtful and you made it. To top it off make a Christmas card to accompany the cookies in a jar and perhaps write a Christmas or inspiring poem or song. Or maybe include an act of service that you will give as a gift such as cleaning gutters or shoveling the driveway. Think about your recipients personality to come up with more acts of service that you could do to put a smile on their face.
I have seen far too many horrible stories of people getting into massive credit card debt over the holiday season and want to encourage you to save your financial future this holiday season by thinking creatively to save yourself from massive financial burdens in the new year.
If you have a money saving holiday gift idea please post your comments here. We do moderate all submissions so be patient while waiting for our staff to review the suggestions.
Posted by Colin at 02:03 PM | Permalink | Comments (0) | TrackBacks (0)August 21, 2007
Solution for Sub-Prime Mortgage Holders
We just received news today here at Crediteria.com that with the current crisis in the sub-prime mortgage market that credit card issuers are very hesitant to lend money to those with bad credit.
So if you find yourself getting by at this point it is crucial that for your financial success that you make darned sure that you are at least making your minimum payments on your lines of credit.
Having good credit status is now more important than ever.
If you find you are struggling to make ends meet you must act fast in finding ways to create more income in order to dig out of debt and get your credit on track.
How can you earn a few extra dollars to begin paying down your debt load?
Most people don’t believe it’s possible to earn a bit more on the side in order to start paying off credit card debt.
Well, my friend, start believing it’s possible! I know it is. In fact, it was just a few short years ago that I was a slave to over-bearing debt however I did something about it and now teach others how to do it with The Fly on the Wall Club.
Soon I will have an incredibly affordable program to teach you how to earn more to get rid of your debt. Make sure you bookmark The Fly on the Wall Club site in order to take advantage of a new coaching program to start soon and get you ready for success!
August 18, 2007
Restore Credit Score
Restoring your credit is something that only you can do. Yeah, there are credit repair companies out there that will help guide you through the process and provide advice that will get your credit back on track but before you spend money on these companies you need to get a grip on your life!
What do I mean by getting a grip on your life?
Well my friend, you must first take a really hard look at why you are in financial despair.
What were the life circumstances that were going on when you took on more debt than you could handle?
When finances get out of control there is usually a negative life circumstance that can be tied to the demise of your credit standing.
Did you have a divorce?
Did you lose a loved one?
Did you get let go from your job?
You need to evaluate what the events leading up to you racking up debt were before you can really get your credit back on track.
Once you get a handle on your spending habits when bad stuff happens to you it is only then that you can begin to repair your credit score. If you don't get a handle on the emotions behind what got you into a place of bad credit you are doomed to repeated the cycle of making poor financial decisions.
I will be preparing more information to help you get out of debt and repair your credit. Until I get the reports written you might want to start repairing your credit by getting a new line of credit that isn't going to rake you over.
Lately I have noticed that the Imagine Credit Card has been doing a lot of television advertising and I think that Imagine provides a really great product to help you repair your credit without over-charging you on fees.
In a nutshell, it takes new credit to restore your credit rating so have a look at the Imagine Card offer and start new with their offer only this time make darn sure that you have your life problems in check before you go on a spending spree.
Remember that spending on credit cards will not alleviate whatever pains you are feeling due to stuff that is going on in your life.
Repairing your credit score is up to you and you will succeed when you recognize what is causing you to over indulge on your credit card.
July 02, 2007
Downward Spiral of Bad Credit
Sadly the downward spiral of bad credit starts the day you get your first credit card.
If you came here looking for you first line of credit then read the words of wisdom that I am about to share with you.
The road to bad credit usually begins when you are young and seeking independence. You have been living under somebody else’s roof (likely your parents) and living under their control and scrutiny.
Now you have your first job and there is money coming in. Now your thoughts are I am going to show the world that I can make it on your own.
You apply for a credit card and a few weeks later there it is in the mail, your shiny new piece of plastic.
You feel mature and likely a sense of power that you have never felt before.
Everything starts off well and you use your card responsibly and pay the bills on time.
Then the dangerous part of having a credit card comes into play. You start thinking to yourself that you have been responsible for a while and you begin to get a little lose with your credit card purchases.
You start thinking “I work hard, I deserve to reward myself with something special”.
That’s fine once. But the problem has just begun for you. The tight control of credit card spending you had in the early days of being a new cardholder starts to slip away and you find yourself more and more telling yourself you deserve to treat yourself again and again and again. I think you get the idea.
Then after a month of free wheeling and high rolling on your credit card the reality day comes. Your bill arrives in the mail.
That’s fine, you can still make the minimum payment so you are at ease.
Now another month of free wheel spending passes and there’s another bill in the mail. This time it’s a bit tougher to make the minimum payment and you have to start cutting other costs to service the debt on your credit card.
It’s this scenario that I call the downward spiral of bad credit. You started off so great but then your attitude about credit card spending changed along the way. Now you are in a deep pile of credit card bills that will take years to dig out of.
I have been researching credit card offers for several years now and for those of you with bad credit I strongly urge you to consider applying for the Imagine Gold Credit Card. This is the perfect credit card for people with bad credit or it’s their first credit card.
Why I strongly recommend the Imagine credit card is simple. The line of credit offered by Imagine is low and hence prevents you from digging a hole larger than something you can climb out of.