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    Get in control of your credit card debt

     

    Few people would deny that using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, as it doesn't always feel like you're actually parting with any cash. This means the temptation is to spend without thinking about the consequences too carefully, until you hear the ominous thud of a huge credit card bill hitting the doormat. If you've been caught out like this, the size of your card debt may seem overwhelming, but don't panic - there are a few simple steps you can take to start getting your debt back under control. Try and make a little more than the minimum payments: The minimum payments required by credit card companies have steadily fallen over the years. Where once it was typical to have to repay a minimum of 5% of your balance every month, it's now common to only have to pay 2.5% or 3%. With repayments this small in proportion to your debt, a large chunk of each payment gets swallowed up in interest charges. Depending on the APR rate of your card, up to 75% of each payment could be 'lost' in this way, meaning that it takes a very long time for your balance to reduce to any great extent. By trying to repay more than the minimum, even if only by a little, you can speed this process up, and in the long term you'll end up paying much less in interest charges. Prioritize your card debts: If you have more than one card with different rates of interest, it makes sense concentrate on the one with the highest interest charges. This means not just the one with the highest interest rate, but the one which actually charges you most each month, which could have a lower rate but a higher balance. Check your statements to see which card is costing you most in interest each month, and try to focus on repaying this card first by putting any spare cash you have into extra payments while keeping to the minimums on your other cards. Change your card: The credit card market is very competitive, and rates have fallen over the last few years. You may be stuck with an old card charging an old rate that is much higher than newer cards. If you can get a new card with a lower rate and transfer your account balance on to it, you could save a lot in interest charges, helping you to bring down your debt. If you can get a card with an introductory rate on balance transfers then all the better - you'll get a few months of interest free credit which you can use to really drive down your balance as 100% of each repayment will be helping to clear your debt. Debt consolidation: If getting a cheaper card isn't an option or isn't something you feel happy about, then maybe a consolidation loan would be worth considering. If you take out a loan and use the money to pay off all your card debts, you could benefit from a lower rate as loans are normally quite a bit cheaper than credit cards. The downside to these loans is that the repayment period might be quite long, and so even though your monthly repayments will hopefully be lower, you'll stay in debt for longer and so end up paying more in interest. Done carefully, however, consolidation can be a sound move if there's little chance of clearing your debt in any other way. Watch your spending! All the above strategies for getting your debt under control will only work if you stop getting deeper into debt - and this means stopping spending on your cards. Ideally, you'd cut them up so that you can't use them again, but this might not be realistic as you may need to keep them as a credit option in an emergency. In any case, cutting your spending to an absolute minimum will keeping your repayments as high as possible is the only sure strategy to clearing your debt in the long term.

         
    Getting a credit card with bad or no credit

     

    So you have decided that you want to get a credit card only you may have credit that is not so hot or even no credit history what so ever. Many consumers wonder how it is possible to build a credit history with no credit or credit that might not be so swell. Surprisingly enough it is very possible for consumers finding themselves in these two particular situations to begin building a solid credit history without having to have a traditional credit card. A secured credit card would be quite simple for someone with no credit or less then perfect credit to be able to qualify for and receive. All you need to do is complete the application for the secured credit card and make the required security deposit. After those two steps are completed you are well on your way to building a solid credit history. Just keep in mind that you need to apply for a secured credit card that will report all of your credit activities to all three of the major credit reporting agencies. Department Stores such as Sears and Macy’s will often take a chance on someone who may not have any credit and give them a credit card. So if your luck hasn’t been great in applying for traditional credit cards try your luck in applying for a department store card to use as a tool to start a solid credit history foundation. Many gas stations will allow people with tarnished credit or no credit history to have a gas station credit card. If you are in either of these situations try applying for a card at your local gas station to begin building a credit history. These are just a few suggestions of steps that you can take to start building a credit history if your credit record may not be so good (or non existent). With a little creative thought and research you will be well on the way to getting the credit and the credit cards that you deserve.

         
    Give yourself a raise in 2006

     

    How would you like to earn more in 2006? Up to $4000 more? The answer is not by earning more, although that can help, it’s by cutting back on your daily expense. We work to earn a living. We live paycheck to paycheck. Never have money left over at the end of the month? Where does it all go? You can probably account for the majority of where you paycheck goes. Housing, car payments, credit card bills, food. But where do all those other dollars go? You might be surprised how much cash you spend every day without really knowing it. Lets start with your drive to work. Long commute? How much gas do you use a week commuting? Are there ways you can reduce that? Car pool, public transportation? A job closer to home? Do you have to pay for parking? If you have to park in a downtown area anywhere in the county you are probably spending $8-$12 or more per day. Can you find a less expensive place to park even if it means walking a few extra blocks? A job where you don’t have to pay for parking can save you $100-$200 a month. How about the morning coffee. $30-$40 per month? Do you bring your lunch or eat out everyday? $3-$10 a day is another $60-$200 a month. Don’t forget the snack out of the vending machine and your afternoon soda break. There is another $35 a month. If you add it up you are looking at spending $300 a month or $3600 a year that it is costing you to work. These are just some of the daily expenses you may have, not including other work related expenses. Now divide $300 a month by how much you make per hour and you will know how many hours you need to work just to be able to work! You don’t have to give up everything at once but if you start to cut back now when you get your next raise you will have even more money to put away. The easiest thing to do now is simply keep track of your daily expenses for the next few weeks. You may be surprised just how much you are spending. Once you know where your money is going then you can start to cut back. Don’t get in the habit of going to the cash machine every few days. Once cash is in your hands, you will never know where it went. If you want to keep more of your hard earned dollars start to budget today. You will be glad you did.

         
    Good investment advice only for the rich

     

    If you think good investment advice is only for the rich, you're not alone. Nearly two-thirds (65 percent) of investing Americans believe that those with more money are able to get better financial advice than those with less money. Further, more than a quarter (26 percent) state that it takes at least $100,000 to get top-quality financial advice. This is according to a new survey by the Retirement Corporation of America, which also finds that more than half (56 percent) of investors believe that financial advisors lose credibility when they accept fees or commissions. Given the above perceptions, it is not surprising that 53 percent rely on themselves or turn to family and friends when it is time to make investment decisions rather than seek professional advice. However, changing investment funds is easier said than done for investors. The survey finds that nearly a third (31 percent) are willing to wait from one to five years before they move their money from a poorly performing option to a better one. The factor that makes it most difficult for investors when contemplating change is the scarcity of time to conduct adequate research, as cited by a third of respondents. This is followed by 20 percent who state that they are confused by all the available options and 16 percent who are afraid of making the wrong decisions. The Retirement Corporation of America conducted this survey to better understand why consumers stay invested in poor-performing mutual funds. Their newly launched investment opportunity-Money Masters Investment Portfolio-is the first to offer unbiased advice and access to top-performing investment funds for every American. Taking The Guesswork Out The good news for confused American investors is the new registered investment advisory account (the "R" Account), offered through the Retirement Corporation of America, with no minimum account balance, commissions, transaction fees or exit penalties. It allows investors to access a fully managed Money Masters Investment Portfolio containing 15 of the world's top-performing mutual fund managers-the "Money Masters." The Money Masters are the top 10 stock fund and top five bond fund managers chosen from more than 8,000 fund managers who meet very strict selection criteria. How It Works When an investor opens an "R" Account, Retirement Corporation of America advisors determine the individual's objectives and risk tolerance. Based on that profile, a Money Masters Investment Portfolio is created to best suit the individual investor's needs.

         
    Got bills to pay you ve got a decision to make

     

    Sometimes emergencies or once-in-a-lifetime opportunities get to us and we find ourselves in financial straits afterwards. If that’s you, don’t worry. You’re not alone. But what you may not realize is that it doesn’t have to be the case for you. There is a solution to your predicament. And the solution may surprise you. A UK personal loan is one option that many people may want to choose because it gives them a variety of potential loan amounts and interest rates. If that’s you, the choice is yours! You can choose the loan amount that is right for your situation. And, the rate of interest on the principle is usually determined by several things. For example, the prevailing interest rates, the risk the lender faces from the recipient, the amount of money you want to borrow, and the repayment period. Also, a UK personal loan comes with several flexible repayment terms, including the repayment frequency and the loan period (which is the amount of time you expect to pay the loan back). That way, you can manage the loan over a period of time and suit it to your income. Be sure to shop around. If you look around at the many options available, you’ll probably find a UK personal loan that provides you with a good amount to borrow, competitive rates, an attractive repayment period, and a repayment frequency that meets your needs. Consider this example: If you have a large amount of utility bill debts, a UK personal loan might be a good option in order to help you consolidate those utility bills into one manageable payment. That way, you can keep the lights on and the water running! Get a loan for a little more than your current accumulated bill so that you can put a small credit on each outstanding amount. That way, you’ll gain back your good name from the utility companies, and you’ll have a month or two of reprieve before you have to start paying back both the loan and the new utility bills you incur. It may be a period of time where you tighten your belt, but it will allow you to live comfortably. A UK personal loan has many options. One of those is to consolidate your utility bills and let you begin the fight to win back your good name while keeping the lights on in your home. Many people are choosing to add a personal loan to their financial portfolio. Is it the right thing for your out-of-control utility bills?

         
    Great money saving tips

     

    Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out. Here are some examples: When going to a restaurant: · Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment Book has coupons for many restaurants. The restaurant’s own website might have a coupon that you can print out and bring in. Sometimes you will find coupons in their take-out menu. You will be able to save a few dollars just for taking a few seconds to look for a coupon. · Share a meal. If you’re going out to dinner, many times you can get away with ordering one main course and an appetizer or salad and sharing them with your partner since the portions are so large. By splitting them, you will save a lot more then if you had each gotten your own meal, plus you will get more of a selection since you’ll get to taste both an appetizer and an entrйe. When wanting to see a movie: · If you want to go to the movies, consider going during the day, or in the early evening. These are all considered matinee showings, and you will usually pay about half of the price you would pay at night! It doesn’t sound like that big of a savings, but if you go to the movies just once a month, you can save $54 a year per person. You’ll save even more if you go more often! · If you want to save even more money, you can rent the movie once it goes to DVD. Many websites will allow you to buy packs of 10 DVD rentals, and you will end up saving anywhere from $0.50-$1.50 per rental! This can really add up. If you rent one movie per week, you can save up to $78 a year! Also keep an eye out for coupons that allow you to rent one and get the second free. There are many other simple things you can do to save money when going out to enjoy different forms of entertainment. For other tips like the ones you just read, see the website below.

         
    Guidance for retirees on managing investments

     

    Financial media have put so much focus in recent years on how investors can accumulate wealth for retirement that they often have overlooked what investors should do once they actually retire. But with the first wave of baby boomers turning 60 next year, retirees' abilities to manage their assets will become a much bigger issue. As financial planning becomes more complex - and as workers become increasingly responsible for funding their own retirements - investors would be wise to seek advice about navigating the retirement waters. American Century Investments has developed an award-winning, 21-page booklet, "Manage Your Investments During Retirement," that helps guide investors through various issues as they approach and enter retirement, including: * building a retirement portfolio; * managing income sources, from retirement savings to Social Security benefits; * forecasting expenses for health care and long-term care; * determining annuity payments and withdrawal strategies for all accounts, including taxable and tax-deferred accounts; * calculating a withdrawal rate. American Century also is launching additional retirement planning and investing tools for investors in all stages of retirement. These new services will help investors develop retirement plans, invest their retirement portfolios and manage their retirement incomes. Investors can work with an experienced investment consultant or work on their own online to take advantage of these new services. These retirement services are part of American Century's On Plan Investing approach - providing guidance tailored to investors' needs to help them meet their most important financial goals - available at no additional cost.

         
    Handling your money effectively

     

    There is inflation every year. You cannot stop an increasing in living expenses as prices of consumer goods increasing all the time. Saving money becomes an extremely difficult task to do. Here are some solutions for saving a little so that you can still meet your needs and still find ways to trim off a little for the future. 1. Budget – Get one and stick with it! And set aside at least a small portion for savings while you’re at it; savings for your future, your retirement, your education, your vacation, whatever. Head to your local office supply store for planning workbooks or budget sheets to use. Or head to your favorite search engine and type in, “budget planning” for hundreds of sites with articles, free downloads, tips, ebooks and other resources to help with your budget setup and follow up. 2. Plan Ahead – Make sure to plan for emergencies and the unexpected, like an appliance break down or garage door malfunction. Even if you can only set aside $50 or so each monthly, place it in an account and earmark it for this “Miscellaneous” fund. Then when things go wrong, and they will – nothing’s perfect – you’ll be better prepared. 3. Non Monthly Items - Work out a monthly payment for items that you don’t pay monthly and set this up in your regular monthly budget. For example, for items like annual home owner or renter insurance, quarterly water bills and automobile insurance payments and annual trash bills, take the amounts and determine what they would be monthly. Then list the items on your budget log and pull these amounts aside, saving them in your account for those purposes. This way, when the bills hit, you won’t be caught off guard and have to scrounge for the payments. What works well, instead of handling multiple savings accounts for each company owed, is to use index cards and one savings account. Create one index card for each bill. Then simply log the amount you’re setting aside on the card and deposit it into your savings account. Keep the index cards with your savings passbook to remind you what the balance covers. The total of all your index cards should equal the balance in your savings account. (Make sure to create an index card for your regular funds that you are saving each month in step one above and a card for your Miscellaneous fund in step two above). So next time you get paid, take three giant steps forward. Grab your index cards, follow your budget and invest in yourself and your future. Get a grip on your money handling.

         
    Have no apprehensions about your personal needs immediate decision bad credit helps you

     

    Your bad credits will usually affect your credit standing. County Court judgement, arrears, loan defaults, or bankruptcy affects you and accumulates a bad credit score. Don't despair, if you have accumulated bad credit score and dread to take finance to meet your personal needs. Immediate decision bad credit loan offers ultimate solace to you. Bad credit personal loans are more often a way to fix your negative credit score. Every time you go for a loan, the bad credit trademark hurts your odds of finding a loan. For a bad credit personal loan, it is necessary to discover your standing as a loan claimant. They can sometimes also offer a larger rate if you are planning to borrow a lesser sum of money. You absolutely would not benefit from lots of activity on your credit report due to the fact you have made an application to a large number of various personal loan companies to ask how much interest rates will be, so how can you find out about quotes without applying? Although the financial watchdogs have given notice to personal loan companies that they should promote their typical APR in place of their best quote, you may continue to notice you are given a different interest rate than that which you assumed. The reason why rates of interest could be dissimilar from what you see advertised to that which you are offered is a result of the personal loan companies' lending conditions. Immediate decision bad credit loans are designed keeping in mind the borrowers' inconvenience while dealing with these kinds of situations. As the name suggests, these loans are approved within the same day. The main advantage of availing such loan is that it is available to all sorts of borrower. This implies that borrowers with bad credit, good credit, students, tenant and self employed are all eligible for this loan. The tenants who have a record of bad credit history due to late payments, arrears, defaults or CCJs can also get immediate decision tenant loans easily. They are only required to satisfy the lender of their repayment ability. The borrowers can easily get these loans from banks or financial institutions. They can also apply through online mode which is an easy and fast method comparatively. You can compare the interest rates and then you may choose the best suited option for yourself.

         
    Hawaii bankruptcy law 10.00 astonishing alternative

     

    If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does. In the next few minutes you are going to discover a simple system that can get you out of debt without any work on your end and can be implemented immediately anywhere in the world. In as little as 1 hour from now, you will know how to create a FREE online account that can clear up ALL of your existing debt in 2 months and then go on to establish the wealth you want throughout this year so you can start enjoying your life again. Before we discuss all the details that this opportunity has to offer YOU AND YOUR LOVED ONES, let me share with you quickly why I wrote this article in the first place. I have been helping people improve their finances for the past 10 years and working online since 2003. I recently did a search on Overture to see how many people are looking to file for bankruptcy in the hopes that I could help and I was saddened to see that Hawaii Bankruptcy Law was searched for over 10,000 last month. This fact could provide you some comfort in knowing that you are far-from-alone in the situation you face and that there is someone out that who is looking to help you turn your finances around today. I have made it my job to present you with an a-s-t-o-n-i-s-h-i-n-g alternative to filing for the Hawaii Bankruptcy Law because I have been blessed with financial freedom and have access to important information that you may never even knew existed since your debt must be foremost on your mind. It should put your mind at ease to know that the system I am going to tell you all about in a moment costs a lot less than Hawaii Bankruptcy Law filing fees, works faster than the preceding process and allows you to not only keep your current assets but will create more wealth then you’ll know what do with in less then 1 year! Did you read the last line? “Create more wealth then you’ll know what to do with in less then 1 year”! Hard to believe BUT true and I am going to prove it to you. The only thing you have to do is invest the next half an hour studying the system I am about to share with you and then you can decide whether you are going to act on the advise that can create financial freedom faster then anything else out there or choose the Hawaii Bankruptcy Law as your only other alternative. The solution I offer is not only the more affordable way to go but could quite possibly be the most exciting opportunity you will ever encounter in your life. It was the best decision I ever made along with over 48,329 other every day people facing the same situation you now are and I would be happy to help you every step of the way while getting started. If you can afford a cup of coffee every morning then you will have no problem finding the necessary funds to participate in this program. You can start with as little as $10.00 and turn it into $9,567.06 within 1 year or start with $20.00 and make more then the Average Yearly American Salary which is $39,795.00. Would $39,795.00 eliminate most of your existing debt? Did you know that it could cost as much as $200.00 just in filing fees and take up to 6 months before finding out if you have been approved for bankruptcy discharges? The same $200.00 and in 6 months with this system can create $231,537.66 profit in your pocket. Of course, you would be responsible for taxes but there will be A LOT left over for paying off your debts, spending on relaxing vacation and anything else you desire. Don’t believe me…then you do the math and see for yourself that what I am saying is accurate. STEP 1: Go to aurumgames/calculator. php and type in $200.00 in the DEPOSIT box. Next, type in the number 3 in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button. If you typed in the figures I provided you should have come up with a Total Value of $1,178.32. Remember, we are going to have to repeat this process 2 more times for a total period of 6 months to prove my point above. STEP 2: Now, go back to the top of the form and type $1,178.32 into the DEPOSIT box. Next, type in the number 4, because your interest has range has increased due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button. If you typed in the figures I provided you should have come up with a Total Value of $12,395.49. STEP 3: Once last time, go back to the top of the form and type $12,395.49 into the DEPOSIT box. Next, type in the number 5, because your interest has range has increased again due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button. If you typed in the figures I provided you should have come up with a Total Value of $231,537.66. Now do you believe me? We are talking over TWO HUNDRED THOUSAND DOLLARS HERE so if you did not take those 3 simple steps above please write them down and prove it to yourself when you are finished with this article. I am personally involved with 2 such powerful programs and the interest rate ranges we used in the example above ARE real! I invite you to take an eagle eye look into this precise program by going to lazy-way-to-wealth and ask yourself seriously before considering taking action on the Hawaii Bankruptcy Law, could this be the answer you have been hoping for? If you answer with a WHOPPING YES that this is the p-e-r-f-e-c-t program for eliminating YOUR present debt problems, then please e-mail at [email protected] net and put “Hawaii Bankruptcy Law” in the subject field so I can better assist you personally. Please feel free to e-mail me anytime at [email protected] net if you have any questions pertaining to this article. Best Wishes and Wealth Your Way! Jamie Briggs

         
    Here s a secret expenses can mean more income

     

    Find me a person who doesn’t want to make more money. It’s nearly impossible to find! Everyone wants to make money and there’s nothing wrong with that because money makes the world go ‘round! But many people don’t know that you can actually make money with a loan! Did you know that? It’s true! One way that you can get more money is with a secured loan. Wait a minute, you’re saying. How can a loan give me more money? Doesn’t a loan, by its very nature, reduce the amount of money I have? It’s true that it may seem like that, but a secured loan is an ideal way to make money. Here’s how: A secured loan is a loan that provides some kind of asset as a guarantee to a lending agency. So when you apply for a loan, you also suggest that if you cannot pay, you have some kind of asset that will cover the default amount. For some people, it’s their car. For others, it may be their jewelry or some stock certificates. Whatever it is, lending institutes like secured loans because it reduces the risk they have when lending money. Unsecured loans are high risk endeavours for them because if someone defaults on the loan, there is little they can do to get their money back. On the other hand, secured loans have some kind of guarantee which makes them a risk-free investment for the lending agency. And because there is little risk to them, they are willing to pass some of that savings on to you in the form of reduced interest rates and longer repayment terms. So here’s how you can make money from it. First, collect all of your credit card bills together. Add up how much you own. Many people owe in the thousands and are shocked to discover that the interest rate is abysmally high. Second, find an asset that you can use to get a secured loan. Third, shop around and find a loan provider. Collect those debts together and consolidate them under one secured loan. That way, you’ll reduce the amount of interest you pay on each debt because secured loans have lower interest rates than credit cards. And, you’ll stretch out your repayment period beyond the short term that credit cards give you. And, even better, you’ll have a fixed amount of money you know you have to pay each month, rather than get surprised every few days with another bill from a credit card company. Since people often pay half as much above the purchase price in interest on credit cards, you’ll make money you would have spent by consolidating your loan into a UK secured credit card consolidation loan.

         
    Here you re going to learn several ways to save money every month by lowering your monthly bills

     

    Has debt got you down? If so, you’re not alone. These days getting into debt is easy. Getting out is not. Buying lottery tickets and hoping to “win the big one” is not the answer. No matter how much money you owe, and no matter how tight money gets, remember that life is too short to spend time worrying. Therefore, the real "secret" to getting completely out of debt is actually very simple: Make the commitment, then take action! If all you do is sit back and talk about getting out of debt, and just complain about how hard it is being stuck in debt - and never actually do anything about it - an amazing thing will happen... NOTHING! You won’t get out of debt overnight – after all, you didn’t get into debt overnight, either. But you can change the way you think. Our mind is very powerful. And when life seems to be out of control, the simplest thing you can control is how you think! There’s an old saying: “The definition of insanity is doing the same things over and over again, but expecting different results!” That’s especially true when it comes to getting out of debt! You need to start with small steps. Take out a notebook and write down your goals. Write down the small steps you will take to reach your goals. • Cut out unnecessary expenses • Think of inexpensive ways to have fun • Consider selling valuable items you don’t need • Get a part-time job • Start an online business Think hard, write down everything you think of, then decide which steps to take first. And most importantly, go ahead and do them. Nobody every got rich by sitting on the couch and thinking! Without making the commitment to getting out of debt, you never will. On the other hand, you CAN live the life you've always wanted. And if you make the commitment - and don't let ANYONE or ANYTHING get in your way - you, too, can live a life without debt!

         
    High interest credit cards

     

    Most high interest credit cards are usually easy to get and really the interest rate only matters if you roll over your balances from month to month. People that have had bankruptcies, judgments or just have a bad credit rating, for what ever reason are the most common applicants for high interest credit cards. Many low interest credit cards will allow you to transfer balances from your high interest credit cards but you must have a decent credit rating. The most important thing about a balance transfer card is the amount of money it will save you, especially if you have a high interest credit card that you carry a balance on. Credit Beware some credit card companies will try multiple ploys to get you signed up and then if your late on a payment for some reason, charge large fees even if your credit card payment is only one or two days late. Those who want to apply for a major high interest credit card to re-establish or to establish new credit should consider the price they will ultimately pay. Even those who don not qualify for low interest credit cards should still shop and compare to get the best deal available. Interest Most major financial companies base the interest rates on your credit score, this tells them whether you pay on time and just how you use your credit. If you have a card with high interest rates you DO NOT want to carry a balance. If you do get a low interest credit card and make a payment late, the default interest rate goes into affect, sometimes up to 22 percent, making it very hard to ever get caught up. The difference between high interest credit cards and low could be hundreds and even thousands of dollars a year. Getting your high interest credit cards paid off should be your top concern. When your credit score improves try to transfer all of your high interest credit card balances, some transfer cards even offer 0 introductory offers for balance transfers, thus making it much faster and easier to pay off your debt.

         
    High interest credit cards for bad credit

     

    Most high interest credit cards are usually easy to get and really the interest rate only matters if you roll over your balances from month to month. People that have had bankruptcies, judgments or just have a bad credit rating, for what ever reason are the most common applicants for high interest credit cards. Many low interest credit cards will allow you to transfer balances from your high interest credit cards but you must have a decent credit rating. The most important thing about a balance transfer card is the amount of money it will save you, especially if you have a high interest credit card that you carry a balance on. Credit Beware some credit card companies will try multiple ploys to get you signed up and then if your late on a payment for some reason, charge large fees even if your credit card payment is only one or two days late. Those who want to apply for a major high interest credit card to re-establish or to establish new credit should consider the price they will ultimately pay. Even those who don not qualify for low interest credit cards should still shop and compare to get the best deal available. Interest Most major financial companies base the interest rates on your credit score, this tells them whether you pay on time and just how you use your credit. If you have a card with high interest rates you DO NOT want to carry a balance. If you do get a low interest credit card and make a payment late, the default interest rate goes into affect, sometimes up to 22 percent, making it very hard to ever get caught up. The difference between high interest credit cards and low could be hundreds and even thousands of dollars a year. Getting your high interest credit cards paid off should be your top concern. When your credit score improves try to transfer all of your high interest credit card balances, some transfer cards even offer 0 introductory offers for balance transfers, thus making it much faster and easier to pay off your debt.

         
    High interest credit cards quick tips

     

    Most of the high interest credit cards are usually pretty easy to get and really the high interest rate only matters if you are going to roll over your balances from month to month. People that have been involved in bankruptcies, judgments or have a bad credit score, for some other reason are the most common applicants for these high interest credit cards. It might be possible to lower your interest charges with credit card balance transfers. If you are looking to consolidate all your debts or you just want to pay off your high interest credit cards, apply for a card that offers a low rate on balance transfers. Those of you who want to apply for a major high interest credit card to re establish or just to establish new credit should consider the price that they will ultimately pay, including interest, yearly fees, etc... Those who have good credit may qualify for credit cards that offer a 0 percent interest rate on balance transfers for a full year, but be aware, if you make a payment late, you might end up paying higher interest than before you transferred your balance. A recent FDIC study revealed that the overwhelming rise in bankruptcy rates (up 400 percent in the last 25 years) is directly related to banking de-regulation and the use of high-interest credit cards. Many credit cards can have interest rates, 15, 19 and even 24 percent or higher. At these very high interest rates you are paying a lot of money in interest. If you are in a bind and missing payments, many credit card companies might agree to reduce your debt on a credit card dramatically if the borrower is able to pay off the balance rather than continue to miss payments, so it might be worth contacting a debt expert to negotiate on your behalf. If you have a good credit score, one way of paying all of your high interest credit card balances, is to take out a debt consolidation loan, which will mean that you can pay off all of your credit cards with one lower interest loan, possibly saving you quite a bit of money.

         
     
         
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