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Credit Counsellors Advise

Submitted By: Maggie Z. Mathews

When people use their credit cards, it seems that the world of shopping is infinite. This holds true for many of our Canadian citizens as well. Plastic makes the act of borrowing money and going on a spending-spree, hurt less. No conscience will nag you about your budget when you can’t see the actual cash in your wallet diminishing. Often, most of us justify an unreasonable purchase even if we’re down to the last cent. Anyway, the mighty and dependable credit card is there to rescue us from the sorrow which is economics. By the end of the month, reality hits us when bills pile up to be paid and no cash is at hand. Somehow, you get by with the help of your plastic friend and the cycle repeats again for the next months to come.
This sounds all too familiar. Many citizens are completely clueless when it comes to how much their debt is spiraling, or worse, increasing. About one third of Canada’s total population of credit card owners is unable to pay off debt in the interest-free period. The result of this is that Canadians now carry an estimate of $50 billion in debt which continues to grow in interest. This from credit cards alone.
The goal of every lending institution is to get new customers to borrow and to get old customers to borrow even more. They have thought of every gimmick and promo in the market like the initial low interest. In order to convince people to transfer their credit card balances to another company, lower rates are offered. As a bonus, even the balance transfers are free of charge. However, what most of us are unaware of it the fact that these fantastically low interest rates, do not last. Some lending institutions let you keep the rate for about six months. After that time, expect a much higher interest than what you were promised earlier. If they do maintain the low interest, never be late in your monthly payments otherwise, the penalty interest will be so high. For delayed payments, interest can be charged on all your new purchases for the next two months.
Lending institutions like to raise a customer’s credit limit to get them to borrow more. It is legal for them to do so without requesting for your permission. Naturally, people will tend to spend more this way even if they can no longer afford to fit the payments in their monthly financial plans.
Cash vouches are another means to get customers to splurge. The minute these vouchers are cashed, they are inserted in your credit card balance. Watch out for these vouchers during peak seasons of shopping, usually the holidays.
Credit card counselors advise people to pay their card debt fully every month. This practice ensures that an individual or family will only spend what they are capable of paying off. If not, debt becomes an extension of income. When this happens, people are tricked into thinking they have more disposable income when it fact this plunges them only further into financial burden.
Senior citizens and university students are easy game for lending companies. The policy for this market is to give them high-limit cards that they will end up paying for 10 years, if they are not careful.

Published At: Isnare.com

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Benefits of Bad Credit Cards

Submitted By: Lauren Dzuris
A lot of people make the mistake of ruining their credit. They don’t think twice about it, don’t even know they are, and sometimes never learn what actually ruins credit. When you’re 18 years old and can apply for your first credit card, it can be very easy to forget about your credit card bills, overspend, not realize there are certain fees, and even pay late. These are just a few of the actions that can end up hurting you in the long run.
If you’re looking to improve your credit, there are many ways to do so. Just because you have bad credit now, doesn’t mean you’ll have bad credit forever. It can take years to fix and repair, but it is definitely possible to turn your score around.
If you’re looking for ways to improve your credit, you can start paying on time to really improve it, always pay at least the minimum balance each week, and you can stop applying for several different cards which can ruin your credit. Although these are just a few of the fixes, there is one that can make an even bigger different.
Have you ever heard of a secured credit card? Or maybe you understand it as a “bad credit card?” Either way, it’s the same thing and was designed to improve a poor credit score. The people that have these cards ultimately have low scores and are looking for ways to improve it. If this sounds like you, continue reading so I can tell you the many benefits to having one of these cards.
No more debt: When you have a secured credit card, it isn’t possible to get into more debt. In fact, you will have to come up with the money up front to even use it. Unlike most cards, they allow you to spend up to your limit and rack up as much debt as you’d like. But, with these cards, you aren’t allowed to do so.
Gets rid of debt: Since you’re not able to rack up more debt with these cards, it will allow you to pay off your existing debt. The credit you would have used to get yourself into more debt, can now be used to pay off the debt you already have.
Improve score: These cards were designed to help you improve your score and that’s just what you will do. The banks will see that you’re being responsible and doing everything you can do help improve your score. They will also see the progress you’re making with one of these cards.
As you can see, there are a few different reasons to consider getting a secured or bad credit card. These are just a few of the reasons. So, all in all, if you’re looking to improve your score, get rid of debt, avoid bringing on more debt, and you’d like to show the banks that you’re trying to be responsible and disciplined, I would highly recommend you getting one of these cards!

Published At: Isnare.com

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