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(4.80 out of 5)Credit card and finance computations can make your head spin, we have developed common calculators to assist you.
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An introductory rate is a short-term low rate of interest offered by credit... ...more
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There’s no getting away from the fact that credit cards have become part of our spending culture. It’s not necessarily a good thing – but it doesn’t have to be a bad one either. The choice is entirely yours. Let’s face it, when it comes to lending, banks are there to make a profit – but if their products didn’t offer us something in return, they wouldn’t make a cent. What do credit cards offer? Plenty, if you learn to use them to your advantage.
Credit cards can offer you: …more…
25th August 2010 (2 weeks ago) at 7:07 am
(1 Votes, Average: 5.00 out of 5)
Loading ...Some people consider credit cards a vital convenience; others use them as a money management and budgeting tool, and some keep them for emergency use only. Some smart shoppers actually use them regularly to save money. Here are just some ways that using a credit card can save you money: …more…
19th August 2010 (3 weeks ago) at 5:01 pm
(1 Votes, Average: 4.00 out of 5) Loading ...Credit cards are not as readily offered now as they were just a few years ago. Banks and other financial institutions have become a little more cautious with their money. They’re not alone – in the wake of the global financial crisis and recent interest rate rises, the average consumer is now keeping a close eye on their money too. It seems we’re more likely than ever to shop around for the best deal.
So what do you look for when shopping for a credit card? The key is to find the card that suits your spending habits – because that’s the card that is likely to cost you the least in interest and earn you the most beneficial rewards.
If it’s your habit to pay off your card each month to avoid interest then a good interest free period might be more beneficial than a low interest rate. If you rarely pay your card off in full each month, then a lower interest rate may help keep your costs down. …more…
15th August 2010 (3 weeks ago) at 12:39 pm
(1 Votes, Average: 4.00 out of 5) Loading ...If you’ve allowed your credit cards to get a little out of control and you’re suffering the consequences of paying hefty interest, there is something you may be able to do to relieve the pain.
Credit card providers are so keen to attract your business that many have a special balance transfer deal – transfer the balance from your existing credit card to theirs and they’ll give you a period of grace (sometimes up to 6 months) where you pay either very low or no interest on the amount you transfer.
If you use this facility sensibly, it can give you the time to reign in your debt before things get too far out of hand.
Like any credit card offer, you need to examine the details of these offers closely to see which one is likely to work best for your circumstances. Consider: …more…
10th August 2010 (4 weeks ago) at 10:35 am
(1 Votes, Average: 4.00 out of 5) Loading ...A recent article in the Sydney Morning Herald titled “No reward: credit card schemes swiped” suggested that in many cases benefits that could be gained from the many rewards programs offered by credit card providers were outweighed by the fees charged by the lender – based on the “average annual usage” of those cards.
The truth is that rewards programs do offer value but credit card holders often either fail to take advantage of them or negate the benefits by accruing interest and late payment fees. While it might be statistically true that this occurs on average, there are a percentage of card holders who consistently reap excellent rewards using their credit cards. If you’d like to be one of them, here’s what you need to do: …more…
6th August 2010 (4 weeks ago) at 5:30 pm
(1 Votes, Average: 5.00 out of 5) Loading ...When you get your next credit card, you will have to decide on several extra services. Most experts recommend that you do not order these extra services. Life insurance on the credit card, for example, should not be necessary if you have proper life insurance coverage in general. You should also say no to job loss protection services, as your emergency fund should cover periods of job loss. …more…
28th October 2009 at 9:08 pm
(6 Votes, Average: 4.33 out of 5) Loading ...