Instant Approval Credit Cards - Just How Fast Are They?

This article describes the true nature of instant approval credit cards.

The Differences in Credit Repair Agencies

There are major differences in the companies which call themselves credit repair agencies. If your main objective is to repair credit report discrepancies, then there are several things to consider before hiring one of these companies.

Saving Money With 0% APR Credit Cards

Nowadays, a lot of lending companies and banks offer 0% APR credit cards and or 0% introductory rates. What is the truth behind these offerings?

Credit Card Goodies with Affinity Credit Cards

Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that.

The Lowdown on Discover Student Card

Students have all the luck. As they do not have a credit history, they start on a clean slate and some credit card companies won’t hold this against them. This is why corporations such as Morgan Stanley offer the Discover Student Classic Card which is specially catered to meet the needs of students.

The Lowdown on Citi Driver's Edge

The Citi Driver's Edge Platinum Select Card from Citibank, is a credit card with a unique reward program that focuses on automotive related perks and benefits. Designed for the good credit individual with a penchant for cars, driving and automobiles in general.

The Lowdown on the Citi Dividend Card

Those of you with a good credit score looking for a credit card that offers a cash reward program should take a look at the Citi Dividend Platinum Select Card, issued by Citibank.

Will Credit Cards Replace Cash Altogether?

In 2005 for the first time ever, plastic purchases topped cash purchases. Are we heading for a cashless society where credit cards replace cash altogether?

Credit Scores are Not Universal

Credit scores are not universal. In other words, you could pull your credit score from all three credit bureaus and find that they not only don't match each other, they won't match the FICO score that your lender accesses.

Credit Cards and Students: The Good, The Bad and The Ugly

The student market is now one of the most profitable for the credit card industry as a whole. This is due mostly to the fact that many students only pay the minimum due each month, are often late with payments and tend to use cash advances more than typical consumers. All these activities represent huge fees and profit centers for the credit card companies that know if a student falls behind in payments that in most circumstances the parents will jump in and take care of the debt.

Lines of Credit and Students: Innovative Financing Options for Higher Education

With many financial aid packages being cut as part of overall budgetary cutbacks by the government, many families and students are finding that they must foot an ever increasing portion of the higher education bill through traditional means. Unfortunately, many families simply cannot afford to pay for their child’s education out-of-pocket. They find themselves turning to alternative means to help finance educational expenses, and some families are turning to lines of credit as one unique solution.

How To Fix Poor Credit - Essential Steps (Part 3)

Before a financial institution will report to an agency, they will make an effort to contact you to help you get caught up on your payments. If you do not respond to their warnings, the financial institution will sell your debt to a collection agency.

Credit Card Balance Transfer Fees

Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born.

Maintaining an Optimal Balance

Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month. While the advertisements of the Visas and MasterCards of the world continue to tout the convenience and ease at which you can shop or handle an emergency with just a swipe of the plastic, they fail to mention how you as a consumer should use your card including guidelines as to how much credit limit is too much and how to keep from ruining your credit rating by constantly maxing out your credit card.

How Do Credit Laws Work?

If you have been repairing your credit you have read the FCRA and the FDCPA. If not, you need to do that by going to the FTC website. These laws place a very large burden on the credit reporting industry in general and collection agencies in particular.