For those considering frequent flyer credit cards, consider all of the benefits that they can offer, not just the obvious benefits. These lines of credit are growing in popularity, and rightly so. Many of the best credit cards in these programs offer discounts far beyond the standard frequent flyer miles. You may also find yourself saving money on hotel stays or even on upgrades to first class. If you qualify for frequent flyer credit card...more
Getting a 0 balance transfers credit card sounds like such a great deal that many people forget that they should be seeking out other benefits from these cards as well. Savvy consumers who apply for balance transfer credit cards know that there are pros and cons to getting these cards. The idea for a smart consumer is to maximize the pros of the balance transfers credit card by only applying to those cards which offer the best in additional...more
A zero interest credit card is clearly an obvious opportunity to save money. Several credit card companies offer programs where you do not have to pay interest, or finance charges, on the line of credit. In nearly all of these situations, the zero interest credit cards have a limited time offer for zero percent. After that introductory period of time, the rate will likely adjust to your standard interest rate. During the time of no interest, you may be able to save a substantial amount of money by using these credit lines. How Interest Is DeterminedWhen you use a credit card, the credit card company makes a profit by charging you interest on the purchases that you make. They assign interest rates, or the percentage that they charge you, based on your past credit history as well as other factors. The lower this rate is, the less risk you are to the company and therefore the lower the amount of money you have to pay when you use the credit card. When you apply for a zero interest credit card, you are applying for a line of credit that offers no interest. Again, this is mostly for a limited amount of time. Zero interest credit cards likely help you to save money by simply not...more
Money back credit cards are a great invention. They are a way for consumers to save money on every purchase that they make by getting a percentage of the purchase back from their credit card company at the end of the billing cycle. Most consumers who have a money back credit card are satisfied with this benefit. But those consumers that are really...more
There are very few people who enjoy professional networking events. Sure, some people love them because they like to be the life of the party and to meet others in their field who will appreciate this quality about them. But most people find these professional events to be a social obligation that's moderately enjoyable at best. One of the main...more
You have almost certainly received a credit card 0 apr offer in your mailbox or email inbox. Some people apply for every 0 apr credit card that comes their way. Others opt to avoid applying for these cards altogether. What both types of people will find is that there are good offers and bad offers when it comes to 0 apr credit cards. More importantly, there are things that you can do to maximize the benefit that you get from these credit cards. The most important of these things is that you can think in the short-term about paying off any debt that you put on a 0 apr credit card.Types of 0 APR Credit CardsThe credit card 0 apr offer might apply to a number of different types of credit cards. A common credit card that you'll see like this is the credit card that offers zero percent interest on balance transfers. However, you might also be offered 0 apr credit cards that are for purchases. In order to make sure that you maximize your use of these cards, you need to make sure that you're clear on what type of credit card you have. You need to be sure that you clearly understand what the zero percent applies to and what the interest rate is on the rest of the card. For example, if you...more
Nobody likes tax time. This is particularly true for the small business owner who has to deal with business taxes in addition to personal taxes. However, there are things that you can do throughout the year to reduce the stress that is felt at tax...more
It's a little bit exciting to get credit card cash back money. After all, you already made those credit card purchases and forgot about them so it's not like you're really expecting to get anything else. The cash back credit card offers you a little...more
Many people apply for credit cards hoping to get a very high credit limit. What they often find is that the credit limit that they qualify for is considerably lower than what they had anticipated. This can be frustrating for people who want to...more
Money back credit cards are a great invention. They are a way for consumers to save money on every purchase that they make by getting a percentage of the purchase back from their credit card company at the end of the billing cycle. Most consumers who...more
A zero interest credit card is clearly an obvious opportunity to save money. Several credit card companies offer programs where you do not have to pay interest, or finance charges, on the line of credit. In nearly all of these situations, the zero...more
A no interest credit card seems like a good thing, and it can be, when used correctly. There are many examples of credit card companies providing this type of introductory 0 APR offer. These lines may be an ideal way to save money on finance...more