Unless you are able to pay cash for all of your purchases throughout your life your credit scores are vitally important. They are the basis for every decision lenders make on whether to exend credit to you. Unfortunately, as important as these scores are to your purchasing ability, you were never given a […]
Over 30 million people in the U.S.A. have credit scores low enough (less than 620) to make shopping for low mortgage loan rates very difficult at best.
The major credit reporting agencies use a slightly different system to arrive at a credit score. The best known is called the FICO score, developed by Fair Isaac […]
Many credit card companies have begun offering business credit cards to their customers. On the surface, they may seem similar to personal credit cards. However, upon further analysis, you may notice quite some benefits to using business credit cards in certain circumstances.
Flexible credit limits
For one thing, business credit cards offer flexible credit limits to business […]
Consumers looking to obtain a new credit card may just want consider the Chase Platinum Visa card. The Chase Platinum Visa card has been in existence for a long time, but just recently some strong improvements have been made by the J.P. Morgan & Chase Co. making the card a strong competitor in a highly […]
It’s not well known, but if you have recently applied for mortgage credit, the information you shared was probably sold within twenty-four hours of your mortgage application. Credit reporting agencies commonly sell what they term “trigger lists” of folks who have recently contacted mortgage lenders for rates or loan preapproval and have given loan officers […]
Owning a credit card can be quite an advantage. Whether
making online purchases, booking an air ticket or a hotel
room on the phone or simply being in need of some
emergency cash, having a credit card can be a big help.
However, getting a credit card is also a huge
responsibility and if you don’t keep an eye on […]
Although Visa and MasterCard might be the forerunners of the credit card industry, Discover card has been increasing in popularity over the last decade or so. Except for student credit cards, most Discover cards have a comparatively low APR, and they never have an annual fee. They have also been commended for customer service and […]
I didn’t think it was possible. But it is. Folks, there is something worse out there than putting everyday expenses on a credit card, then carrying the balance. The guys I’m going to tell you about make the credit card people look downright benevolent. Meet your smiling neighborhood cash advance parlor.
These legal loan sharks go […]
There are many advantages to using prepaid credit cards over traditional credit cards. In this article we will go over the differences between traditional credit cards and prepaid credit cards, and why they are becoming so popular.
One of the things that credit card companies all over the world have realized is that many people do […]
A credit card allows you to buy things even though you might not have the money to pay for it right away. The company that gave you the card lets you spend up to an agreed sum and then makes additional money available to you as you pay off what you’ve spent. You must pay […]