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Credit Cards Articles |
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Expert Author: Ruth Jacob People under the age of 50 and men in particular, are more likely to expose themselves to credit card fraud or identity theft, according to research by Saga credit card; the financial website, for older people. As most under 50, have multiple credit and debit cards, spotting fraudulent activity on their accounts is much harder. Also, with more young people living in shared accommodation and using shared letterboxes, their risk of falling victim to fraud is much higher. Expert Author: Susan Slobac This cashback credit card offers an introductory 0 per cent interest rate for the first 12 months. Cardholders receive 1,000 Bonus points upon making their first purchase, and an additional point for every dollar they spend; once they have accumulated 2,500, cardholders are eligible to receive $25 back or as gift certificate in that amount from any one of several participating merchants. Expert Author: Onome Okwuosa Life has a knack of throwing some us some serious curve balls when it comes to finances and money matters. One month all things seem to be going your way, you've received your bonus and have used part o it to pay off more than usual on your flexible mortgage, treated you and the family to a posh dinner and had some left over for yourself. Expert Author: Mildred Parker Two years ago the Office of Fair Trading (OFT) declared that default charges on credit cards were too high and suggested capping these at GBP 12. But market analysts say that although lenders have reduced penalty charges, they have also resorted to desperate measures to recoup lost revenue including hiking rates and fees elsewhere. Expert Author: Mildred Parker Officials from the credit cards market have suggested that some consumers may be able to get the high interest rates on their credit cards reduced simply by contacting their providers and negotiating with them. An official from Fool.co.uk recently said that many credit card customers were getting a raw deal on their interest rates, stating: “The typical Annual Percentage Rate on popular credit cards is around 16 per cent, which is over three times higher than the Bank of England base rate. Expert Author: Susan Slobac In fact, the benefits of business credit cards are virtually endless. In addition to simplifying accounting and record-keeping, many business credit cards offer generous introductory rates as low as 0 per cent for as long as 15 months and standard APRs as low as 6.99 per cent thereafter. The Advanta Platinum BusinessCard With Rewards is exceptional in this regard; in addition to the extended introductory and low standard interest rates, this business credit card offers 5 per cent rebates on purchases as well as travel expenses as well as total protection from fraud liability. Expert Author: Susan Slobac Offering a credit line of up to $25,000, the Bank of America Platinum Plus VISA is currently offering in introductory rate of 0 per cent on balance transfers as well as purchases for a period of six months. After this, the regular APR of 8.99 per cent will apply. In addition, this balance transfer credit card offers online banking services and security protection against unauthorized use of the card as may result from identity theft or fraud. There is no annual fee for this balance transfer credit card. Expert Author: Susan Slobac There is a silver lining for those who find themselves in this kind of a situation. Bad credit credit cards allow one to rebuild their credit status. One can apply for bad credit credit cards online and even receive instant approval. These are issued by VISA and MasterCard and are accepted by all the same merchants and service providers. Expert Author: Susan Slobac All four major credit card companies each offer their own 0 APR credit cards, and these vary in terms of how long the introductory rate lasts as well as other terms. Therefore, it is in your best interest to shop around a bit in order to determine just what 0 APR credit card is best for you. Sometimes these interest rates are good on balance transfers only; other 0 APR credit cards are good for purchases as well. Keep in mind that many rewards and rebates are usually in addition to these introductory rates – all of which can save you hundreds, even thousands of dollars during the introductory period. Expert Author: Charle Lawrence The emergence of credit cards has re-defined the shopping experience drastically in the last few years. This is because; users no longer have to carry ample cash with them while they shop, but just carry a card that deducts the specific amount on purchase with a simple swipe. To put it in simple words, usage of plastic money has let the user to enjoy instant cash facility. Expert Author: Ruth Jacob Despite several new and stylish features offered by credit card providers to tempt consumers, the most popular is still, zero per cent interest on balance transfers, according to comparison website, Fairinvestment.co.uk. Even though it is one of the most common features to be offered, 21 per cent of participants, listed zero per cent interest on balance transfers as the most important feature to come with a credit card. Expert Author: Jamie Jaggernauth In a decade of an alarming credit crunch, rising cost of food, skyrocketed costs of living and an alarming debt for entertainment, most young people struggle to understand the basics of personal finance. This is from personal experience, observation and according to the results of a recently published government poll. Expert Author: Ruth Jacob American Express has launched a new credit card; The Blue Sky Card, which will provide users with, 1 point for virtually every GBP 1 spent on the card. Points can be redeemed against any travel related purchase or experiences such as flights, hotels, car rental, train travel, package holidays and cruise packages. For every 4,000 points earned on the Card, customers will be given a GBP 50 saving against any travel related purchase made on the Card. This is equal to a 1.25 per cent cash back ongoing. Expert Author: Sarah Othman News broke yesterday that a visa credit card with an exceptionally high lending rate has been made available to customers by a leading financial firm. The credit card is being offered to customers who have a poor credit rating and has a whopping 365 per cent interest rate. Expert Author: Charle Lawrence Small business credit cards can offer monetary support to purchase services required for expansion or improvising in accordance to the market demands. These credit cards can be availed by means of several online services providers that have sprung up in the recent years. Expert Author: Charle Lawrence To get low rate credit card, you can begin with indulging into a little by searching for appropriate option through internet, expertise family as well as friends. Low rate credit card can benefit you in the same manner as the standard card but would not burden your finances with high interest. Expert Author: Donald Renal Its a fact. Trying to function in todays society without using credit is just impossible. Even if you are determined to keep your own personal involvement with the credit system to a minimum, it will search you out. This is because, more and more people and agencies, such as landlords and potential employers are using your personal credit rating as a determinate factor in making important decisions about you. Expert Author: Mildred Parker Nearly half of British teenagers intend to get credit cards when they are adults, according to a new survey. The survey by insurer Axa further revealed that 44 per cent of teenagers aged between 15-17 years are keen to take out a credit card when they become an adult. The Axa study which specifically looked into the financial habits of British teenagers also found that 18 per cent of respondents are keen to take out a loan when they turn 18 while a further 17 per cent confidently believe that they would be overdrawn. Expert Author: Mildred Parker Millions of Brits escape abroad for their holiday breaks, and a new report by moneyextra.com suggests that paying a holiday using a credit card is the best way to go. Reports by Moneyextra.com show that the credit card offers good financial cover for British holiday makers are better protected against separate elements of their break. Expert Author: Carys Robshaw New figures released by the Bank of England show that purchases on credit cards have risen in the first quarter of 2008. Compared with the same time period in 2007, card purchases rose by 8.9 per cent. Both the number of purchases made on credit cards and the amount spent rose compared to last year.
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