What Should my First Credit Card Entail?

Submitted By: Tom Tessin
There are several different credit cards on the market. Some have a lot of benefits, yet some don’t really give back anything in return except a high interest rate. Getting your first credit card is a big time in a young adult’s life. You must make sure you know how to use them wisely, you don’t get yourself into debt, and that you follow the rules of a credit card.
If you’ve just turned 18 years old, and you’re looking for your first credit card, let me give you some advice.
• You want to pay each balance off on your credit card in a full amount. Meaning, if you put on $75 this month, you will want to pay off $75 all at once. If you don’t pay it off in full and let’s say you only paid off $30, you will get interest on that last $45. This can be very pricey over time and that $45 will no longer be $45, but more instead next month.
• Never go over your credit limit, if you do, you will most likely get charged a fee.
• Don’t ever miss a payment. Do all that you can to make sure you know when to pay your bills! Whether you set a reminder on your cell phone or you mark it on the calendar. Make sure you pay it on time so that you don’t hurt your credit score.
• You also want to make sure you get a credit card with good benefits. If you’re going to stick to one card, you might as well get treated well and rewarded.
This is what your card should entail:
• Find a card that has a low number of fees or better yet, one that doesn’t have any fees!
• Stick with a company that has good customer service. If ever you have a problem, you want them to treat you well.
• Look for a low interest rate in your credit card. Anything over 20% is getting too high. Look for the lowest one possible.
• Also, look to get rewarded for each dollar you spend. Some credit cards will give you one point per dollar spent. Once you’ve earned enough points, you can then turn them into gift cards, prizes, donations, or even money towards your bill sometimes.
• If you don’t get a credit card that gives you points per dollar spent, make sure you get a card that gives you cash back. Some cards will give you up to 5% cash back on each purchase you make. This is a great way to save money on everything!
Looking for a credit card can be tough the first time around. We’re not too sure what to look for and we don’t know what everything means. Unfortunately when we’re naive about credit cards, the companies can take advantage of us! I say as long as you consider the points above, and you don’t ever spend more than you make, you can only really benefit from using a credit card!

Published At: Isnare.com

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What is a Miles Credit Card?

Submitted By: Tom Tessin

Are you someone that loves to travel? Or perhaps you travel frequently due to business trips. Regardless, it is nice to get out of our hometown, see the world and see what else is out there. A lot of people don’t know this, but you can get rewarded for each flight you take and each time you travel.
There is a thing called an airline credit card, or maybe you’ve heard it as a miles credit card. Either way, it’s the same thing and does the same for you. I’m sure you’re already saying that you don’t want another credit card, but really, this one is different because it can benefit someone that travels a lot so much! Here’s how it works:
Every time you know that you’re going to travel by flight, you will want to put the balance on your credit card. Then, over time you will find that each mile you fly, you will earn a token or what they call a “mile” for a reward. And of course, the more miles you fly, the more miles you earn for rewards. The rewards are great because they can eventually give you free flights, prizes, and other discounts for travel.
It may sound like a pain to put it on a credit card, but really if you have the money to pay for your flight, just pay off your credit card right away and act as if you put it on your debit card and it automatically took the money out. If you’re going to fly, you might as well get rewarded for it. Not to mention, what is better than getting a free flight whenever you want? Whether you want to take a trip to get away from the cold weather, or you’d like to visit family in the future and you don’t have the money, you can use your free flight thanks to your card.
If this sounds like something you’re interested in, be sure to consider a few of these things when looking for one:
• Try to find the card with the lowest interest rate. Although, if you plan on paying your bills in full each month, I guess it doesn’t really matter. Yet, it’s better to be safe than sorry.
• Look for a card that gives you the most rewards. If one card gives you two points per mile spent over one, obviously pick that one.
• Also, be sure to find a card with little to no fees. Fees are just a pain, and they can really bite you in the butt if you mess up. So, it’s best just to find a card with none to begin with.
• Lastly, find a reputable company to go through and one that has good customer service. If ever you have a problem, you want someone that is going to help you and treat you right.
As you can see, airline credit cards/miles credit cards can really be beneficial. But of course, I only recommend them to you if you’re a frequent flyer. And if you are, you’ll find that there are a ton of rewards in the future.

Published At: Isnare.com

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Maximum Damage Control For Your Debt

Submitted By: Kris H Smith
Personal debt is at an all-time high. With the economic recession and skyrocketing unemployment rate, many Americans are falling behind on their mortgages, car payments, credit card bills and personal loans. There are several options available to you to get control of your debt. Some are do-it-yourself fixes and others may require the assistance of professional credit counselors or debt professionals. Here is some basic information so that you can make the best possible decision to wrangle in that debt yourself.
Just a Touch Behind - You missed last month’s payment and now you have received your new statement with an additional charge – a late payment fee. Great, you have now turned a missed $20.00 minimum monthly payment into an additional $60.00 due after late fees and a possible over the limit charge. Pick up the phone and call them – now. If at all possible, make a payment, any payment before you hit the 30-day late mark. As far as credit reporting is concerned, you have a little bit of grace when it comes to what is reported as a “late” payment.
A Few Months Behind – Yes, you can still save it at this point. You will want to rectify this type of situation as soon as you can and before it goes to a collection agency. Answer their call or pick up the phone and start dialing. You will be amazed at how understanding some, and I emphasize “some”, of your creditors can be. Certain credit companies have been known to waive more than one late fee in order to secure a payment to bring the account current. If you can pull it off, a higher payment amount offer will often get a larger write-off of fees.
Bones in Your Closet - I owe so many old debts, I don’t know where to begin. The first thing that you will want to do in this case is pull a credit report. You can get one free credit report a year from TransUnion, Equifax or Experian; or order online from a single credit agency or all three credit reporting agencies for a fee. Be very careful to read terms and conditions of any company offering a free credit report. This is often part of a credit monitoring service that will charge you a monthly fee if you don’t cancel your trial subscription to get the free credit report before it is due. If your credit repair is a top priority now and you have the money, they are a great tool for many people. But if it just seems like a good idea because they have great ads, the last thing you may need is a new bill.
Your credit report will contain a full history of any accounts you have ever had, opened or closed and when, how many payments were on time or late and any balances owed and the creditor that holds the loan. One additional reminder while you have this valuable report in your hand, you need to check it for accuracy. Then, double-check it for accuracy. Sure, maybe you haven’t paid your debts in five years, but make sure that the ones you are responsible for are truly yours.
If you have older debt, there is good news for you – yes, good news. They are usually willing to settle for a much lower percent of the total debt than newer debts. And this is why: let’s say you quit paying a $300.00 credit card 5 years ago. By the time the credit card company threw up their hands and decided to write your balance off, you have accumulated additional interest charges; late fees; possible over-the-limit fees and additional interest on top of that.
The End is Very Near – Maybe you have just been scraping by, but foresee late payments and missed payments in the very near future. The best thing that you can do in this situation is to be proactive. Call your creditors and explain your hardship. Try to negotiate a lower interest rate. Anymore, creditors are being a little more flexible with keeping you as a customer and losing some percentage points versus not getting any money at all. If you just need a little breathing room, such as a break for a month, ask them if they can do a deferred payment for you. The payment is essentially “skipped” for one month. Interest and fees of the deferred payment will still apply. Most creditors, no matter what kind of creditor, will generally grant you one deferred payment annually though some will only offer this as a one-time deal.
And yes, that says most creditors – mortgage companies, auto finance companies, credit card companies and even the loan shark payday advance companies are often willing to extend a deferred payment to you. This is just an option that not many of these companies are willing to advertise.
It may seem difficult when dealing with credit card or mortgage companies. Many of the companies themselves are greatly affected by the current economy and unemployment. It is in your best interest to do what you can to take care of your debt before it gets out of control.

Published At: Isnare.com

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