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Joseph Kenny's Articles in Credit Show All|Display Category|Title|Newest|Oldest 0% Credit Cards: Are They Worth It? Credit card jumping has become a common practice. The term refers to the habit of moving debt balances from card to card to take advantage of preferential rates. But just how worthwhile is credit card jumping for consumers? Avoiding Credit Card Wipe-outs: How To Succeed With Rate Surfing Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right. How To Keep Your Credit Card Interest Rate At 0% We've all been tempted by 0% credit card interest rate offers. These offers are usually for short periods of three to 12 months and there are usually conditions attached. Single Rate Credit Cards: A Guide With so many credit card deals on the market, consumers can have a hard time deciding on the right deal for them. There are many rate options for new credit card customers. Choosing A Credit Card That Suits Your Repayment Habits When choosing a new credit card it's best to pick a card that suits your spending habits. However, this is not the most crucial factor. Even more important is to choose a credit card that matches your paying habits. Are You A Credit Card Tart? Some people use the word tart as an insult; others as a bit of friendly banter. Either way, it's not the sort of term you associate with financial matters, especially not with credit cards. Introductory Rate Credit Cards: Some Popular Features Using introductory rate credit cards has become a popular way for UK borrowers to manage credit card debt. Introductory rate credit cards offer borrowers a preferential interest rate when they first sign up for a new card. How To Find Good Balance Transfer Cards If you have a credit card you're likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. How To Choose Your New Credit Card Choosing a new credit card is not just a personal choice. It's a lifestyle choice. There are hundreds of credit cards to choose from and savvy shoppers will want to choose credit cards that suit the way they spend and the things they want to do. Online Credit Cards – Finding Best Deals Available Online If your credit cards are in of a spring clean then get yourself a better deal today, but what is the best way to go about it? In this article we shall endeavour to explain the primary points of interest when applying for a new credit card deal online. Applying For Credit Cards Online Unless you have been living in a bunker in Mars for the last 20 years or so you will have heard of credit cards, but for those who have…A guide to applying for credit cards online. Guide To The Right Credit Card With all the bits of plastic floating around, how do you choose the right credit card? Let’s take a look at the various reasons that people give for having credit cards and see which kind of credit card is right for you. Guide To Gas Rebate Credit Cards Looking for a way to cut back on your gasoline expenses? A gas credit card could be the right choice for you. Credit Cards For Adverse Credit History Applicants The simple fact of life today is that in many situations credit cards are vital. It is extremely difficult to rent a car for instance if you do not have access to a credit card in your own name. This is why more and more people are seeking to get credit cards, even when they have poor credit histories. Personal Loans and APR – Is that all that matters? The advice from financial advisers has always been, if you are thinking about taking on new loan or any type of credit agreement, shop around. However, is the APR the only item that you need to consider? We investigate.. Credit Card Charges and How to Avoid Them There are many charges and you should take care and consideration to make sure that you don’t end up paying far more than you should for your credit cards. We try to outline a basic strategy to avoid paying any credit card charges. Credit Card Applications – Getting Approved After Refusal It can be disheartening when you apply for a credit card and get turned down. However, in the vast majority of cases, it really is not anything that you need to worry about. Rate Tarts – What are they? According to leading market analysts, rate tarts are costing the UK lending industry over one billion pounds a year. This is pretty much the same as saying that rate tarts are saving themselves one billion pounds a year. So what, or who are they, and why have they got the lending industry’s attention. Credit Card Comparisons – Choosing The Best Deal With debt at an all time high, many of us will be looking to either transfer our current credit card debt or apply for a new credit card with more benefits or lower interest rate. However, with a plethora of card offers out there, deciding which card, if any, is best for you can seem a little daunting Choosing Credit Cards – The Basics There really are an amazing variety of credit cards available to today’s consumers; the number of options is simply staggering. Virtually every company around these days has some form of affiliated credit card option available to its customers. Your Credit Rating Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. Avoid Being the Victim of Credit Card Fraud Are you aware of how many ways there are for thieves to take access of your credit card accounts and make unauthorised charges against your account? A Good Credit Report – The Key To Cheap Finance Is your credit report important? There are a lot of people who would not consider their credit rating as something too important to them in their life. There are others who, while recognising its importance, would not be overly concerned about the issue or understand the reasons for its importance. Shopping Online – Protect Yourself These days, there are great bargains to be found by shopping online. Many items that previously were only available in stores are now being bought and sold online every day. Closing Your Credit Card Account It is one of the most frustrating feelings in the world. You’re trying to rid yourself of your debts. You’re putting more and more of your paycheck towards your credit cards. You’re gradually paying them off. Prevent Identity Theft Identity theft is fast becoming the major way in which criminals are stealing your money. They are not only stealing your money but they are stealing your identity, using your personal details to gain access to your credit and open up new accounts in your name redirecting the mail to a new address. Why You Should Have A Credit Card In Your Own Name If you have ever been asked by your wife, husband, child or friend to have someone else as an authorised signatory to you, i.e. a supplemental signatory, on your credit card account you no doubt gave the following some serious thought. We discuss the reasons why both persons should have a credit card in their own name. What Are Platinum Credit Cards? Platinum credit cards have many benefits and features compared to a standard or gold credit card. Conventional school of thought would find platinum credit cards to be a status symbol. However, relaxed rules and upper limits have brought them within reach of the average person too. What are Gold Credit Cards? Gold credit cards are special privilege cards that are traditionally offered by credit card companies either to high earners or to their loyal customers who have a good credit history. Traditionally they are considered to be status symbol because they are associated with high annual income, which offer added services and benefits. Do I Need That Credit Card? Nowadays almost everyone has one, almost everyone has used one and many more are looking to change theirs. What are they? The answer would be a credit card. What Are Reward Credit Cards? There are numerous companies that offer you ‘fantastic’ or ‘unbeatable rewards’ for the privilege of providing you with their credit card, however, whichever card you use should be chosen carefully. Prepaid Credit Cards If you have a history of bad credit and are unable to obtain a mainstream credit card, then prepaid credit cards may be just the answer you are looking for. Getting approved for a credit card It is a fact of modern life that credit cards are an increasingly essential financial tool. There are many situations in which if you do not have a credit card, you will either be unable to pay for goods and services, or to take up special promotions. Bad Credit Debt In today’s world, there are a lot of things that its very difficult to live without. One of them, is credit. Correct Credit Card Use Having a credit card has become the norm in today’s society. If you have a flippant attitude and don’t use your credit card in the correct manner then you could unwittingly become deep in debt without realizing it or the implications. Avoiding Credit Card Fraud With all the horror stories that you may hear about identity theft, credit card fraud and security of your credit card, but what can you do to prevent becoming a victim.	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. Resources Accredited Home Schools Article Directory More Resources

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