4 Pointers for Prepaid Credit Card Users

February 1st, 2013 · No Comments

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Image from www.freedigitalphotos.net.

Are you currently managing a prepaid credit card? And would you like to know how you can effectively and responsibly handle your line of credit? If you answered YES to these two questions then, we advise you to carefully observe the following suggestions:

Don’t let the funds on your account run out. After all, losing cash on your prepaid card can increase your risk of getting penalized with overdraft charges as well as of encountering declined transactions. So as much as possible, you should draw up a schedule for replenishing the funds on your credit card. That way, you can continue making cashless transactions with it.

We also advise you to make it a habit to regularly check the available balance on your account, before charging your bills and purchases on it. In so doing, you will easily know whether or not it is still safe for you to charge your expenses on your prepaid credit card. If it is then, there’s no need for you to worry about your transactions. In fact, you can shop till you drop, so to speak. Otherwise, you may have to pay for your purchases and bills in cash. [Read more →]

→ No CommentsTags: Articles · card issuer · credit · Credit Card · credit card charges · Personal Finance · prepaid credit card · Prepaid Credit Cards · unsecured credit card

Is It Difficult to Qualify for a Debt Consolidation Loan?

January 29th, 2013 · No Comments

A lot of consumers today think that is very hard to qualify for and get a debt consolidation loan. But, in truth, it is one of the easiest programs to get. In fact, consumers can apply for and receive one no matter how high or how low their credit scores are. That’s because debt consolidation is aimed at helping consumers gradually pay down their existing financial obligations.

Suppose you’re planning to sign up for this program. What tips can help improve your chances of finding and eventually receiving a suitable loan? To find out the answer to this, we advise you to pay close attention to the remainder of this piece.

Image from www.freedigitalphotos.net.

Image from www.freedigitalphotos.net.

Four Pointers for Prospective Loan Takers

Understand how it works. It is never wise to rush and apply for debt consolidation unless you have gathered sufficient information about it which convinced you that it’s the right program that will help you attain debt relief. [Read more →]

→ No CommentsTags: Articles · debt · Debt Consolidation · debt consolidation loan · debt relief · lender · loans · Personal Finance

How to Spot an Illegitimate Credit Repair Service Provider

January 27th, 2013 · No Comments

If you’re planning to sign up for a session with a certified finance expert then, we suggest that you read the reminder of this article. This is because in the paragraphs below, we have enumerated and discussed several tips that can help you identify and avoid illegitimate providers of credit repair services.

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Image from www.freedigitalphotos.net.

The firm asks for immediate payment. If the first agency you approached asked you to make a down payment for the services you intend to sign up for then, we advise you to get out of that firm, right away. Why? This is because the federal law states that no credit counseling agency can collect payment unless the agreed-upon services have been rendered. So, the outright collection of a service charge is a direct violation of the federal law. And you have the right to file a formal complaint against the firm with the Office of the Attorney General in your state. [Read more →]

→ No CommentsTags: annual credit report · Articles · bad credit · credit · Credit Repair · credit repair services · debt · finance experts · Personal Finance

4 Pointers for Card Applicants with No Credit History

January 23rd, 2013 · No Comments

Image from www.freedigitalphotos.net.

Image from www.freedigitalphotos.net.

Is it really possible to score a line of credit even if you don’t have credit history? Yes it is. In fact, there are several card programs you can sign up for even if you’re yet to establish your credit profile.

Suppose you wish to immediately receive a credit card account you can use for covering your day-to-day expenses. What can you do to receive such line of credit, in the soonest possible time? To know the answer to this question, we suggest you pay close attention to the suggestions we have discussed below:

Secure the repayment of your future card charges by submitting a lump-sum to a secured credit card issuer. After all, with such card program, there’s no need for you to worry that your lack of credit history might get in your way of qualifying for an affordable line of credit. As long as you can submit the security deposit requirement to your chosen card company, plus completely filled-out application forms and personal documents; soon you will be granted a suitable card account where you can charge your purchases and bills.

Still, you should never rush into signing for the first program you will stumble upon. Instead, we encourage you to take the time to compare the offers you will receive. By doing so, you can improve your chances of finding and eventually taking out a line of credit that suits your needs, spending habits, and most importantly, your budget. [Read more →]

→ No CommentsTags: Articles · Credit Card · credit history · no credit · Personal Finance · secured credit card

Guidelines for Shopping for Mortgage Loans Online

January 21st, 2013 · 2 Comments

Prospective homeowners are advised not to limit their search for affordable credit programs with banks and credit unions, nearby. After all, they can always find and eventually sign up for both good and bad credit mortgage loans using the World Wide Web.

Now, if you belong to the set of consumers described above and you plan to scout for loans online then, we suggest that you keep the following pointers in mind:

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Image from www.freedigitalphotos.net.

Ask for referrals. Is this your first time to apply for an online mortgage loan? If it is then, you can always request for referrals from your close friends and relatives, particularly from those who have just received the proceeds of their online bad credit home loans. For sure, these individuals will be glad to help you out until you can score an affordable credit program. [Read more →]

→ 2 CommentsTags: Articles · bad credit · bad credit home loan · Bad credit loan · bad credit mortgage loans · home loan · loans · mortgage loan · Personal Finance