Low Interest Credit Cards Have Many Advantages
When credit cards are used wisely they can be very beneficial to the consumer. A low interest credit card can be exceptionally beneficial. Many people use the same credit card that they have had for years. Some people still have the very first credit card that they ever received and just simply have never thought to switch to a card with a lower rate. There is a degree of comfort in habit, but shopping around for a lower interest rate credit card can quickly prove that switching is worth the little amount of effort it takes to do so.
With credit card companies aggressively competing for your business, it is easy to find a card with a low interest rate these days. Of course your credit score will determine how low of an interest rate you will be able to get. There are many helpful websites that have made the process of comparing credit card offers easy for the consumer like http://www.amex-visa-mastercard.com
If you carry a balance on your credit card from month to month like many people do, switching to a card with a lower interest rate can save you hundreds of dollars in interest. If paying off your credit card debt is your goal, having your credit card balance on a low rate card will allow you to pay it off much faster than a higher rate card will. Many credit card companies even offer a 0% interest rate on balance transfers. This is a great way to get your credit card debt paid down without having to pay interest on it.
Even if you pay your credit card balance in full each month, having a low interest credit card can still be advantageous. We all hope that nothing will ever happen to negatively effect our financial situation but as the saying goes, you just never know. Having a low interest credit card in your wallet can serve as a safety net if something should ever happen that would not allow you to pay off your balance every month.
Having a low interest credit card can help your financial situation, whatever it may be.
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Wednesday, February 14, 2007
Credit Card Extras
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that it provides you with free travel insurance. These are especially popular with American credit cards.
Loyalty schemes may give you points, air miles, or some other form of reward for every pound you spend with your credit card. So simply by using your credit card, you will be collecting loyalty points that will soon add up. You can then use them to claim a cash refund or some other reward. If you are collecting air miles than you will be able to use them to book free plane tickets or upgrade your flights to business or first class.
One of the other big advantages of making a purchase with your credit card is that the credit card company will have to guarantee the quality of the item you purchase. So if, for example, you buy a sweater with your credit card, and it turns out to be of defective quality, then you will have two options, you can go to the seller of the sweater for a refund. But sometimes you will be unable to seek a refund from the retailer, such as if you bought it from somewhere far away from where you live, or you cannot get a refund from the retailer for whatever reason, in this circumstance, you can instead turn to the credit card company and claim the refund from them instead. This is a major advantage of using your credit card to pay for purchases.
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that it provides you with free travel insurance. These are especially popular with American credit cards.
Loyalty schemes may give you points, air miles, or some other form of reward for every pound you spend with your credit card. So simply by using your credit card, you will be collecting loyalty points that will soon add up. You can then use them to claim a cash refund or some other reward. If you are collecting air miles than you will be able to use them to book free plane tickets or upgrade your flights to business or first class.
One of the other big advantages of making a purchase with your credit card is that the credit card company will have to guarantee the quality of the item you purchase. So if, for example, you buy a sweater with your credit card, and it turns out to be of defective quality, then you will have two options, you can go to the seller of the sweater for a refund. But sometimes you will be unable to seek a refund from the retailer, such as if you bought it from somewhere far away from where you live, or you cannot get a refund from the retailer for whatever reason, in this circumstance, you can instead turn to the credit card company and claim the refund from them instead. This is a major advantage of using your credit card to pay for purchases.
Tuesday, February 13, 2007
Rewards Cards: Convert Your Current Card
If you are a current credit card holder MasterCard or Visa -- you may be overlooking an important way to make your card work even better for you: by joining a rewards program. Why possess a plain old credit card when you get rewarded for using the same card? Lets take a look at how you can receive benefits from your current card.
Some cards are offering rewards based on your purchases. Depending on the card selected, your rewards card can offer to you a variety of benefits such as:
1. Cash back. Receive 1% or 2% back on all purchases. Usually not redeemable for cash until your balance reaches a certain amount, such as $20. Some card plans allow for you to use the cash back as a credit toward future balances and/or purchases.
2. Airline miles. Some cards have tie ins to one particular airline while other cards allow for you to accrue miles that can be used for mostly any carrier. Similar plans include cards that allow you to accumulate free stays at select hotel chains.
3. Car purchase. One prominent automaker allows for card holders to receive as much as 5% credit toward a future purchase of a new vehicle one of their models, of course! Add these credits to other discounts offered by the automaker at the time of your next purchase and your savings can be huge.
Rewards cards offers do vary between card issuers and your offer can be changed or amended at any time [usually in writing with prior notice given]. In addition, your points may expire after a certain period of time.
If you do not pay off your credit card balances monthly, you lose the advantage of accumulating points as your APR will be greater than the points accumulated.
So, why hold onto a do nothing credit card when you can make the one you have work for you? Call your credit card provider today and request that your current card be upgraded immediately.
If you are a current credit card holder MasterCard or Visa -- you may be overlooking an important way to make your card work even better for you: by joining a rewards program. Why possess a plain old credit card when you get rewarded for using the same card? Lets take a look at how you can receive benefits from your current card.
Some cards are offering rewards based on your purchases. Depending on the card selected, your rewards card can offer to you a variety of benefits such as:
1. Cash back. Receive 1% or 2% back on all purchases. Usually not redeemable for cash until your balance reaches a certain amount, such as $20. Some card plans allow for you to use the cash back as a credit toward future balances and/or purchases.
2. Airline miles. Some cards have tie ins to one particular airline while other cards allow for you to accrue miles that can be used for mostly any carrier. Similar plans include cards that allow you to accumulate free stays at select hotel chains.
3. Car purchase. One prominent automaker allows for card holders to receive as much as 5% credit toward a future purchase of a new vehicle one of their models, of course! Add these credits to other discounts offered by the automaker at the time of your next purchase and your savings can be huge.
Rewards cards offers do vary between card issuers and your offer can be changed or amended at any time [usually in writing with prior notice given]. In addition, your points may expire after a certain period of time.
If you do not pay off your credit card balances monthly, you lose the advantage of accumulating points as your APR will be greater than the points accumulated.
So, why hold onto a do nothing credit card when you can make the one you have work for you? Call your credit card provider today and request that your current card be upgraded immediately.
Credit Card Counseling
Credit card counseling can help you get out of debt fast.
If you are in credit card debt, then you might want to try going to credit card counseling in order to find out what you need to do in order to get out of debt. Generally, it's possible to get out of debt on your own if you make a plan and stick to it. However, that is also very difficult to do, especially if you do not have an already existing budget to go off of. Therefore, if you're having trouble getting your debt payments back on track, you can get counseling.
This credit card counseling will help you figure out what you need to do in order to pay off your credit card debts. The advantage of going to a credit card counselor is that there is a good chance that you'll get specific advice that is tailored toward your own personal spending habits and needs. This is better than generic advice, since you'll be more likely to be able to follow it without giving up too much.
There are many different companies that offer credit card counseling services. You should probably check several different offers before you make your final decision. After all, if you're going to be charged for this counseling, you're probably going to the wrong place. Instead, you should keep looking until you find a credit card counselor who will let you get debt counseling without paying too much. One thing to look for is "non-profit" as these companies will only charge you the amount they need to stay in business, and nothing more.
While most people end up going to a debt counselor to deal with credit card debt, credit card counseling is not the only service that you can look for. Instead, you can get counseled regarding all of your debt. You can do this by looking for a debt counselor instead of a credit card counselor - but make sure that you are still looking for a non-profit company. Chances are that you'll be told to consolidate your debt by the debt counselor, however, that is not the only option that you have. A debt counselor will tell you all your options.
Credit card counseling can help you get out of debt fast.
If you are in credit card debt, then you might want to try going to credit card counseling in order to find out what you need to do in order to get out of debt. Generally, it's possible to get out of debt on your own if you make a plan and stick to it. However, that is also very difficult to do, especially if you do not have an already existing budget to go off of. Therefore, if you're having trouble getting your debt payments back on track, you can get counseling.
This credit card counseling will help you figure out what you need to do in order to pay off your credit card debts. The advantage of going to a credit card counselor is that there is a good chance that you'll get specific advice that is tailored toward your own personal spending habits and needs. This is better than generic advice, since you'll be more likely to be able to follow it without giving up too much.
There are many different companies that offer credit card counseling services. You should probably check several different offers before you make your final decision. After all, if you're going to be charged for this counseling, you're probably going to the wrong place. Instead, you should keep looking until you find a credit card counselor who will let you get debt counseling without paying too much. One thing to look for is "non-profit" as these companies will only charge you the amount they need to stay in business, and nothing more.
While most people end up going to a debt counselor to deal with credit card debt, credit card counseling is not the only service that you can look for. Instead, you can get counseled regarding all of your debt. You can do this by looking for a debt counselor instead of a credit card counselor - but make sure that you are still looking for a non-profit company. Chances are that you'll be told to consolidate your debt by the debt counselor, however, that is not the only option that you have. A debt counselor will tell you all your options.
Monday, February 12, 2007
Credit Card Late Charges And How To Avoid Them
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's look at some ways you can avoid costly credit card late fees:
1. Pay your bills on time. This one is obvious. When you get your bill, open it up and pay it right away. Waiting means forgetting or hoping that your payment arrives on time.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's look at some ways you can avoid costly credit card late fees:
1. Pay your bills on time. This one is obvious. When you get your bill, open it up and pay it right away. Waiting means forgetting or hoping that your payment arrives on time.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.
Finding the Best Credit Card
When you start your hunt for the best credit card what you're really searching for is the best credit card for your particular situation and needs. You may, for instance, be someone whe travels a lot for business or pleasure. Travel credit card discounts may be the best credit card option for you. You may be someone who has bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for your circumstances.
If you are a shopaholic, for example, the best credit card for you might be one that gives rewards in the way of incentives and percentages back on purchases. Of course, there are some things that make a card the best credit card for many, if not most, credit card users. These are the ones with the lowest APR (annual percentage rate) and the lowest annual rate. Some cards - in fact, many - have no annual rate at all. One such card may prove to be the best credit card for you, assuming that there aren't hidden fees that ultimately cost you more than you've saved in lower APR or annual fee.
Keep in mind, though, that the better your credit history, the lower the APR you're going to find on a credit card. If your credit is poor the best credit card you're going to find, unfortunately, is going to be one with a higher than average APR. That is, until you improve your credit standing. There are alternative credit cards for this situation, too.
Other factors to consider in determining the best credit card for you is whether you generally pay off your credit card debt each month or whether you carry over a balance each time. The reason this is an important factor in deciding the best credit card for you is that some credit cards offer a grace period on this carryover - others do not, and, in fact, tack on hefty penalties for doing so.
Fleet, AFB Industrial and Wachovia Bank all have twenty day grace periods on their credit cards - clearly the best credit card choice for those who don't pay the balance each month. All other factors being equal, of course.
Another best credit card factor to be considered is whether you typically use your credit card for cash advances. This rate can vary considerably, and some even have no fee attached to a cash advance request. This, like anything else, depends on credit rating. USAA's best credit card offer for cash advances, for example, is a free cash advance. It's highest percentage fee is nine percent. Fleet and Wachovia both charge four percent.
The other important factor in determining your best credit card is how much traveling you do. If you're flying the friendly skies on a regular basis a credit card that lets you rack up credits for each flight you take may save you more than opting for one that doesn't whose APR is lower, or the annual fee less costly.
When you start your hunt for the best credit card what you're really searching for is the best credit card for your particular situation and needs. You may, for instance, be someone whe travels a lot for business or pleasure. Travel credit card discounts may be the best credit card option for you. You may be someone who has bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for your circumstances.
If you are a shopaholic, for example, the best credit card for you might be one that gives rewards in the way of incentives and percentages back on purchases. Of course, there are some things that make a card the best credit card for many, if not most, credit card users. These are the ones with the lowest APR (annual percentage rate) and the lowest annual rate. Some cards - in fact, many - have no annual rate at all. One such card may prove to be the best credit card for you, assuming that there aren't hidden fees that ultimately cost you more than you've saved in lower APR or annual fee.
Keep in mind, though, that the better your credit history, the lower the APR you're going to find on a credit card. If your credit is poor the best credit card you're going to find, unfortunately, is going to be one with a higher than average APR. That is, until you improve your credit standing. There are alternative credit cards for this situation, too.
Other factors to consider in determining the best credit card for you is whether you generally pay off your credit card debt each month or whether you carry over a balance each time. The reason this is an important factor in deciding the best credit card for you is that some credit cards offer a grace period on this carryover - others do not, and, in fact, tack on hefty penalties for doing so.
Fleet, AFB Industrial and Wachovia Bank all have twenty day grace periods on their credit cards - clearly the best credit card choice for those who don't pay the balance each month. All other factors being equal, of course.
Another best credit card factor to be considered is whether you typically use your credit card for cash advances. This rate can vary considerably, and some even have no fee attached to a cash advance request. This, like anything else, depends on credit rating. USAA's best credit card offer for cash advances, for example, is a free cash advance. It's highest percentage fee is nine percent. Fleet and Wachovia both charge four percent.
The other important factor in determining your best credit card is how much traveling you do. If you're flying the friendly skies on a regular basis a credit card that lets you rack up credits for each flight you take may save you more than opting for one that doesn't whose APR is lower, or the annual fee less costly.
Sunday, February 11, 2007
Cash Back Credit Card Tips
Wouldnt it be great if you could get an extra cash rebate on every purchase you made? Well, that is completely possible with cash back credit cards. This type of credit card gives you a certain percentage back on many of your purchases. You can receive the money from your credit card either monthly or yearly according to the credit card company.
You may be wondering what type of items count for your cash back credit card rebates. Most of the time such things like balance transfers and cash advances do not count and you will not receive any type of credit card rebates. You will have to check with each credit card company to learn which cash back credit card applies to purchases that you normally buy.
How much can you get from a cash back credit card is another issue. You can search and determine which ones yield the best percentage, however, make sure they are stores that you personally shop at or are items that you normally purchase.
You may even enjoy more cash back with different cash back credit card policies if you shop at certain stores such as Wal-Mart or Sears. This can give you more money in the way of cash back.
Redeeming points from your cash back credit card is easy. Normally, you do not have to do anything. It is according to how often the credit card disburses the cash back. Some credit card companies are now offering the cardholder to redeem points on their cash back credit card rewards to be applied to their balance. You can even use your cash back for charitable contributions.
There are fees with any credit card receiving cash back is just a reward so to speak. A cash back credit card can have other fees such as balance transfer fees, annual fees, high interest, high APR, or other charges that may make the cash back credit card less desirable.
Be sure to read the terms and conditions when applying for a cash back credit card. Be sure to find out if you can shop at your favorite stores with the card. Also, find out all you can regarding the applicable fees for the card for cash advances, balance transfers etc., as these extra charges may make this card an expensive proposition. However, if you do choose a cash back credit card, it can be incredibly useful if you shop at those stores and receive money for purchases you normally buy all the time. Just an added bonus for using products you love while shopping at your favorite stores.
Wouldnt it be great if you could get an extra cash rebate on every purchase you made? Well, that is completely possible with cash back credit cards. This type of credit card gives you a certain percentage back on many of your purchases. You can receive the money from your credit card either monthly or yearly according to the credit card company.
You may be wondering what type of items count for your cash back credit card rebates. Most of the time such things like balance transfers and cash advances do not count and you will not receive any type of credit card rebates. You will have to check with each credit card company to learn which cash back credit card applies to purchases that you normally buy.
How much can you get from a cash back credit card is another issue. You can search and determine which ones yield the best percentage, however, make sure they are stores that you personally shop at or are items that you normally purchase.
You may even enjoy more cash back with different cash back credit card policies if you shop at certain stores such as Wal-Mart or Sears. This can give you more money in the way of cash back.
Redeeming points from your cash back credit card is easy. Normally, you do not have to do anything. It is according to how often the credit card disburses the cash back. Some credit card companies are now offering the cardholder to redeem points on their cash back credit card rewards to be applied to their balance. You can even use your cash back for charitable contributions.
There are fees with any credit card receiving cash back is just a reward so to speak. A cash back credit card can have other fees such as balance transfer fees, annual fees, high interest, high APR, or other charges that may make the cash back credit card less desirable.
Be sure to read the terms and conditions when applying for a cash back credit card. Be sure to find out if you can shop at your favorite stores with the card. Also, find out all you can regarding the applicable fees for the card for cash advances, balance transfers etc., as these extra charges may make this card an expensive proposition. However, if you do choose a cash back credit card, it can be incredibly useful if you shop at those stores and receive money for purchases you normally buy all the time. Just an added bonus for using products you love while shopping at your favorite stores.
Credit After Bankruptcy Is Not Impossible
If you are going to file for bankruptcy, it is true that you will not have very good credit after bankruptcy. However, this does not mean that you will never be able to get loans, and it certainly doesn't mean that you will never have a good credit history again. While it is true that there will be a short period of time during which it will be exceptionally hard to get credit, it is not true that you will have to wait for an entire ten years to get credit after bankruptcy.
For instance, if you do not have a lot of debt on your credit card, or if you have no debt on it at all, you may be able to keep your card. If you do not owe any money at all, then you do not even have to inform your credit card company about the bankruptcy - however, if they do find out that you are going through bankruptcy proceedings it is always possible that they could cancel your card anyway, just to make sure that you do not charge purchases to that card.
Most of the credit card companies will require that you affirm that you still owe money on the card before they will let you keep it. What this means is that you need to state that you will still be responsible for paying back the card balance, even if you have filed for bankruptcy already.
One thing that you should keep in mind is that in the case of credit cards, this may result in very high monthly fees. You can also get new credit after you file for bankruptcy, however, this credit might be very hard to pay off due to the interest fees. If you are at all worried that you will not be able to pay off your credit cards in the future, then you should be wary about jumping right into new credit situations. However, if you are able to pay back your credit cards, then you will be able to start building better credit right away.
Credit after bankruptcy is difficult to achieve, but if you need credit, you should be able to get it - and you may even be able to purchase a house.
If you are going to file for bankruptcy, it is true that you will not have very good credit after bankruptcy. However, this does not mean that you will never be able to get loans, and it certainly doesn't mean that you will never have a good credit history again. While it is true that there will be a short period of time during which it will be exceptionally hard to get credit, it is not true that you will have to wait for an entire ten years to get credit after bankruptcy.
For instance, if you do not have a lot of debt on your credit card, or if you have no debt on it at all, you may be able to keep your card. If you do not owe any money at all, then you do not even have to inform your credit card company about the bankruptcy - however, if they do find out that you are going through bankruptcy proceedings it is always possible that they could cancel your card anyway, just to make sure that you do not charge purchases to that card.
Most of the credit card companies will require that you affirm that you still owe money on the card before they will let you keep it. What this means is that you need to state that you will still be responsible for paying back the card balance, even if you have filed for bankruptcy already.
One thing that you should keep in mind is that in the case of credit cards, this may result in very high monthly fees. You can also get new credit after you file for bankruptcy, however, this credit might be very hard to pay off due to the interest fees. If you are at all worried that you will not be able to pay off your credit cards in the future, then you should be wary about jumping right into new credit situations. However, if you are able to pay back your credit cards, then you will be able to start building better credit right away.
Credit after bankruptcy is difficult to achieve, but if you need credit, you should be able to get it - and you may even be able to purchase a house.
Saturday, February 10, 2007
Credit Card Security Advice
Which of the following is the biggest threat to your credit card security?
a) Shopping online with a credit card
b) Shopping in a real store with your credit card
c) Ordering something over the phone with your credit card
The answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and identity theft, shopping online is a relatively safe process. Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server.
The truth is that there are some dangers to using credit cards in ANY situation - and there are ways to safeguard your information and security no matter where you shop with your credit card.
When shopping online
Only shop reputable sites. If a shopping web site has been around for a while, it's a pretty good bet that they're legitimate.
Use an online money transfer service rather than your usual credit card. You can fund an account with a service like Paypal via your credit card or bank account - but your information isn't freely available. When you pay via PayPal, the only information that the seller gets about you is your email address.
When shopping in a real store
Keep your eye on your credit card. Stores with the latest tech in credit card scanning won't ever even handle your card - you slide it in the scanner yourself and it never leaves your possession. In stores that aren't that hip yet, keep your eye on what's happening with your card, and ALWAYS take your credit card receipt. Until everyone is using the latest scanners and printers that only print out the last four digits of your credit card, discarded credit card receipts are the easiest way for thieves to get hold of your credit card numbers.
When shopping by phone
Never, ever, ever give your credit card numbers to someone who called you. No matter how good a deal sounds, insist on being given the time to confirm the identity and company of the person you're speaking with.
As you can see, for the most part, common sense is all it takes to keep your credit card information safe!
Which of the following is the biggest threat to your credit card security?
a) Shopping online with a credit card
b) Shopping in a real store with your credit card
c) Ordering something over the phone with your credit card
The answer may surprise you. It's b - shopping in a real store with a credit card. Despite all the controversy and publicity surrounding internet phishing and identity theft, shopping online is a relatively safe process. Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server.
The truth is that there are some dangers to using credit cards in ANY situation - and there are ways to safeguard your information and security no matter where you shop with your credit card.
When shopping online
Only shop reputable sites. If a shopping web site has been around for a while, it's a pretty good bet that they're legitimate.
Use an online money transfer service rather than your usual credit card. You can fund an account with a service like Paypal via your credit card or bank account - but your information isn't freely available. When you pay via PayPal, the only information that the seller gets about you is your email address.
When shopping in a real store
Keep your eye on your credit card. Stores with the latest tech in credit card scanning won't ever even handle your card - you slide it in the scanner yourself and it never leaves your possession. In stores that aren't that hip yet, keep your eye on what's happening with your card, and ALWAYS take your credit card receipt. Until everyone is using the latest scanners and printers that only print out the last four digits of your credit card, discarded credit card receipts are the easiest way for thieves to get hold of your credit card numbers.
When shopping by phone
Never, ever, ever give your credit card numbers to someone who called you. No matter how good a deal sounds, insist on being given the time to confirm the identity and company of the person you're speaking with.
As you can see, for the most part, common sense is all it takes to keep your credit card information safe!
Friday, February 9, 2007
5 Ways to Find Credit Cards for People with Bad Credit
Bad credit can haunt a consumer. You might not be able to get loans that you need or get the same loans but at a higher interest rate than you normally would with better credit. But there is a way to stop this cycle and its by getting a credit card and using it responsibly. This will show future lenders that you are working to pay off your bills.
1. Online resources
One of the easiest ways to get a credit card when you have bad credit is to look online for various merchants. Of course, you will want to stick with major credit card companies in order to be safe, but many times youll be able to find credit cards that will allow you to start your way to better credit.
2. Your local bank
Many banks also allow you to open up credit cards through their institution. And since the bank knows how much money you have, you can sometimes get a card when you have poor credit. The card wont have a high limit, but youre trying to establish a history of timely payments, not trying to charge yourself back into debt.
3. Secured cards
Another great option for credit cards for people with bad credit is secured cards. If youve ever used a gift card, this is much the same. You will put money onto the card and then be able to use it as you would a traditional credit card. But in this case, you cant spend more than you have on the card, thus you are establish a good credit history.
4. Home equity
If you own a home and are making mortgage payments, you may be able to refinance your loan in order to get more money for your debt. What you can do then is get a credit card account through your bank with this money funding it. Just like a debit card, you will only have as much money as you have refinanced, but youre also able to build a better credit card history by using the monies responsibly.
5. What to look for
When youre looking for a credit card and you dont have good credit, you need to be pickier about who you choose. First of all, you want to choose a credit card that doesnt have a high interest rate that will accumulate balances that you can not pay. You will also want to find a card that does not have a high limit. You want to curtail your spending as you resolve your credit problems.
You cannot avoid your bad credit, so use it to rebuild your financial history and create a better future for your money.
Bad credit can haunt a consumer. You might not be able to get loans that you need or get the same loans but at a higher interest rate than you normally would with better credit. But there is a way to stop this cycle and its by getting a credit card and using it responsibly. This will show future lenders that you are working to pay off your bills.
1. Online resources
One of the easiest ways to get a credit card when you have bad credit is to look online for various merchants. Of course, you will want to stick with major credit card companies in order to be safe, but many times youll be able to find credit cards that will allow you to start your way to better credit.
2. Your local bank
Many banks also allow you to open up credit cards through their institution. And since the bank knows how much money you have, you can sometimes get a card when you have poor credit. The card wont have a high limit, but youre trying to establish a history of timely payments, not trying to charge yourself back into debt.
3. Secured cards
Another great option for credit cards for people with bad credit is secured cards. If youve ever used a gift card, this is much the same. You will put money onto the card and then be able to use it as you would a traditional credit card. But in this case, you cant spend more than you have on the card, thus you are establish a good credit history.
4. Home equity
If you own a home and are making mortgage payments, you may be able to refinance your loan in order to get more money for your debt. What you can do then is get a credit card account through your bank with this money funding it. Just like a debit card, you will only have as much money as you have refinanced, but youre also able to build a better credit card history by using the monies responsibly.
5. What to look for
When youre looking for a credit card and you dont have good credit, you need to be pickier about who you choose. First of all, you want to choose a credit card that doesnt have a high interest rate that will accumulate balances that you can not pay. You will also want to find a card that does not have a high limit. You want to curtail your spending as you resolve your credit problems.
You cannot avoid your bad credit, so use it to rebuild your financial history and create a better future for your money.
Credit Card Companies: Friends or Foe?
When you start to think of all the different credit card companies out there you may start to wonder if they are going to be a friend or foe to you. When it comes to the credit card companies giving you a line of credit when you first apply for a credit card, you are going to feel that they are your friends. They are going to even be your friend when you see the rewards you are receiving if you have signed up for one of the credit card reward programs that they may out there for you. Just when you may think that everything is going well and there has been not problem with your account because you have received credit line increases and may have even received a lower interest because you are keeping your payments up to date and even paying a little extra when you can.
You may end up being laid off and feel that the credit card company that you felt was your friend start to call you all the time at home because you do not have the funds available to pay the payments on time with the loss of income. You may soon think that the credit card company is a foe at this point in time. One this is that if you were to talk to them and lat them know your situation they may be able to help you out a little with your payments.
In reality the credit card companies are doing their job when they start to call you once you have fallen behind on your payments. The worst thing that you can do is try to run away from the credit card debt that you have put yourself into before you have lost your job. If you try to run away from your credit card debt, you are going to find that you are going to need to pay more in finance charges than what you would have if you could of gathered enough money to make the minimal payment in the beginning.
If you learn to use your credit card the right way when you first receive it then you are going to see that the credit card companies are going to be your friend when it comes to some of the purchases that you are in need of in the times of need. However, when you start to neglect the credit opportunity that they gave you may see that they are going to end up being a foe. It all depends on how you take care of your spending and available credit once you receive it.
When you start to think of all the different credit card companies out there you may start to wonder if they are going to be a friend or foe to you. When it comes to the credit card companies giving you a line of credit when you first apply for a credit card, you are going to feel that they are your friends. They are going to even be your friend when you see the rewards you are receiving if you have signed up for one of the credit card reward programs that they may out there for you. Just when you may think that everything is going well and there has been not problem with your account because you have received credit line increases and may have even received a lower interest because you are keeping your payments up to date and even paying a little extra when you can.
You may end up being laid off and feel that the credit card company that you felt was your friend start to call you all the time at home because you do not have the funds available to pay the payments on time with the loss of income. You may soon think that the credit card company is a foe at this point in time. One this is that if you were to talk to them and lat them know your situation they may be able to help you out a little with your payments.
In reality the credit card companies are doing their job when they start to call you once you have fallen behind on your payments. The worst thing that you can do is try to run away from the credit card debt that you have put yourself into before you have lost your job. If you try to run away from your credit card debt, you are going to find that you are going to need to pay more in finance charges than what you would have if you could of gathered enough money to make the minimal payment in the beginning.
If you learn to use your credit card the right way when you first receive it then you are going to see that the credit card companies are going to be your friend when it comes to some of the purchases that you are in need of in the times of need. However, when you start to neglect the credit opportunity that they gave you may see that they are going to end up being a foe. It all depends on how you take care of your spending and available credit once you receive it.
Thursday, February 8, 2007
How to Budget Your Credit Card Spending
Although acquiring a credit card is much easier than adhering to a budget, planning your credit card expenses is esential to help prevent dire consequences from credit card utilization. This may stem from the fact that a credit card is by no means a mobile automated teller machine. It is however a means to get you out of an emergency situation such as a car breakdown, or for travel convenience. The following budgeting tips will provide you with great insights on wise credit card usage.
Spend within your capability
With or without a credit card, one should always spend only what they can afford. In fact, you should spend like you dont have a credit card because at the end of the day, you will have to pay back what you charged. It is true that you should never use your credit card to settle your grocery bills or to quelch your shopping needs. With all the discounts and bargains clamoring for your attention, it can be annoying to know that you will be paying more for it because of credit card interest rates.
Have a good concept of the Credit Limit
Rather than viewing the credit limit as the amount of money you can use every month, think of it as a loan that you must repay within 30 days. Then, tabulate the amount of interest that you have to pay if you decide to settle your repayment over a period of six months. This way, the $7500 will look less tempting and when calls with offers of higher credit limit plans come in, you will have the good sense to put the phone down.
Do not let your credit accumulate
You need to be responsible to own a credit card but as luck would have it, there are emergencies that are unavoidable. In this case, you should settle your credit card bills as soon as possible. You have to be self-disciplined on this because credit accumulates and credit cards work on compound interests. The longer you delay your repayment, the more you have to pay.
Although acquiring a credit card is much easier than adhering to a budget, planning your credit card expenses is esential to help prevent dire consequences from credit card utilization. This may stem from the fact that a credit card is by no means a mobile automated teller machine. It is however a means to get you out of an emergency situation such as a car breakdown, or for travel convenience. The following budgeting tips will provide you with great insights on wise credit card usage.
Spend within your capability
With or without a credit card, one should always spend only what they can afford. In fact, you should spend like you dont have a credit card because at the end of the day, you will have to pay back what you charged. It is true that you should never use your credit card to settle your grocery bills or to quelch your shopping needs. With all the discounts and bargains clamoring for your attention, it can be annoying to know that you will be paying more for it because of credit card interest rates.
Have a good concept of the Credit Limit
Rather than viewing the credit limit as the amount of money you can use every month, think of it as a loan that you must repay within 30 days. Then, tabulate the amount of interest that you have to pay if you decide to settle your repayment over a period of six months. This way, the $7500 will look less tempting and when calls with offers of higher credit limit plans come in, you will have the good sense to put the phone down.
Do not let your credit accumulate
You need to be responsible to own a credit card but as luck would have it, there are emergencies that are unavoidable. In this case, you should settle your credit card bills as soon as possible. You have to be self-disciplined on this because credit accumulates and credit cards work on compound interests. The longer you delay your repayment, the more you have to pay.
Credit Card FAQs
What are credit cards?
Credit cards let you pay later for any purchase you make. In case of any sort of emergency or urgent situation, when you may not have cash to make payments, credit cards can be helpful. Credit cards are commonly used to get fuel for cars or buying products in a grocery store. You receive a statement at the end of each month. The statement tells you of the expenditures you have done using your credit card. It also mentions minimum balance, due date, fees, etc.
What is an additional cardholder?
An additional cardholder may be anyone from your family, aged above 18. He will also be issued a credit card. You can contact your credit card company if you wish to have an additional cardholder.
What is a balance transfer?
Balance transfer means the transferring of outstanding balances of credit cards from your current credit card company to another.
What should be done on losing a credit card?
If you happen to lose your credit card, you should inform the your bank as soon as possible, as there can be chances that some one may use your credit card and you end up paying for that too. Once you notify the bank, they at once cancel your credit card and issue you another credit card.
What is an APR?
APR, or Annual Percentage Rate, is just a way of calculating cost of credit, measured as a yearly rate. You must know the APR that would be levied on your credit card before you decide to have one. All credit card companies have varying APRs. You have to see the one that suits you the best.
What is the way to choose a credit card?
This purely depends on your needs and situation. If you would be paying full bills then you need to take a credit card with a low annual fee and other charges. On the other hand, if you want to have a cash advance feature, you need to choose a credit card company with low APR. If you have any doubts and questions, always feel free to call up the credit card company.
What is the credit card grace period?
Credit card grace period is the period in which you can pay your credit card bills before the due date and avoid finance charges. You should be aware of the grace period in order to avoid any sort of finance charges.
What are credit cards?
Credit cards let you pay later for any purchase you make. In case of any sort of emergency or urgent situation, when you may not have cash to make payments, credit cards can be helpful. Credit cards are commonly used to get fuel for cars or buying products in a grocery store. You receive a statement at the end of each month. The statement tells you of the expenditures you have done using your credit card. It also mentions minimum balance, due date, fees, etc.
What is an additional cardholder?
An additional cardholder may be anyone from your family, aged above 18. He will also be issued a credit card. You can contact your credit card company if you wish to have an additional cardholder.
What is a balance transfer?
Balance transfer means the transferring of outstanding balances of credit cards from your current credit card company to another.
What should be done on losing a credit card?
If you happen to lose your credit card, you should inform the your bank as soon as possible, as there can be chances that some one may use your credit card and you end up paying for that too. Once you notify the bank, they at once cancel your credit card and issue you another credit card.
What is an APR?
APR, or Annual Percentage Rate, is just a way of calculating cost of credit, measured as a yearly rate. You must know the APR that would be levied on your credit card before you decide to have one. All credit card companies have varying APRs. You have to see the one that suits you the best.
What is the way to choose a credit card?
This purely depends on your needs and situation. If you would be paying full bills then you need to take a credit card with a low annual fee and other charges. On the other hand, if you want to have a cash advance feature, you need to choose a credit card company with low APR. If you have any doubts and questions, always feel free to call up the credit card company.
What is the credit card grace period?
Credit card grace period is the period in which you can pay your credit card bills before the due date and avoid finance charges. You should be aware of the grace period in order to avoid any sort of finance charges.
Wednesday, February 7, 2007
How to Make Cards
Some nights you may not feel like taking out all your scrap supplies and pictures but you still want to create something. A good solution is to make some cards. Cards take less thinking and time then doing a scrapbook page. And you can often get a whole bunch done in one sitting.
Cards are used for all occasions; birthday, thank you, anniversary, etc. Everyone enjoys receiving a card especially if it is hand made and it looks like the person spent time making it.
To make a card, cut a 8 1/2x11 piece of paper in half so it measures 5 1/2x8 . Use a scoring blade to score at about 4 . Then fold in half. Use scrapbook supplies you would use while scrapbooking to decorate the front like patterned paper, stickers, die cuts, just to name a few. Another great tool to use is a quote book. Find a quote to go along with the subject of the card and include it either in the outside or the inside of the card.
It is nice to make more then one of the same card so that you wont have to make one every time you need one. Its good to have a supply. A way to organize your supply of cards is to get a shoebox and place dividers in it with all the different card titles (i.e. birthday, anniversary, etc.) Also, keep the appropriate size of envelope in the box so that they are always on hand.
Card making can be just as fun as scrapbooking. If you get one great idea for a card, you can make a lot of the same cards. And you can even take that idea and change it to do another subject, just change some of the elements. Try card making one night instead of scrapbooking and see what you come up with!
Some nights you may not feel like taking out all your scrap supplies and pictures but you still want to create something. A good solution is to make some cards. Cards take less thinking and time then doing a scrapbook page. And you can often get a whole bunch done in one sitting.
Cards are used for all occasions; birthday, thank you, anniversary, etc. Everyone enjoys receiving a card especially if it is hand made and it looks like the person spent time making it.
To make a card, cut a 8 1/2x11 piece of paper in half so it measures 5 1/2x8 . Use a scoring blade to score at about 4 . Then fold in half. Use scrapbook supplies you would use while scrapbooking to decorate the front like patterned paper, stickers, die cuts, just to name a few. Another great tool to use is a quote book. Find a quote to go along with the subject of the card and include it either in the outside or the inside of the card.
It is nice to make more then one of the same card so that you wont have to make one every time you need one. Its good to have a supply. A way to organize your supply of cards is to get a shoebox and place dividers in it with all the different card titles (i.e. birthday, anniversary, etc.) Also, keep the appropriate size of envelope in the box so that they are always on hand.
Card making can be just as fun as scrapbooking. If you get one great idea for a card, you can make a lot of the same cards. And you can even take that idea and change it to do another subject, just change some of the elements. Try card making one night instead of scrapbooking and see what you come up with!
Credit Card Late Charges And How To Avoid Them
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's look at some ways you can avoid costly credit card late fees:
1. Pay your bills on time. This one is obvious. When you get your bill, open it up and pay it right away. Waiting means forgetting or hoping that your payment arrives on time.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.
It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's look at some ways you can avoid costly credit card late fees:
1. Pay your bills on time. This one is obvious. When you get your bill, open it up and pay it right away. Waiting means forgetting or hoping that your payment arrives on time.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.
Tuesday, February 6, 2007
Choosing the Right Business Card Design
Its a fact: 90 percent of business cards are thrown away within the first week. Given that, its more important than ever to have a business card design that not only gives out your vital information, but also catches the eye and makes it stand out from the standard black on white.
How do you make your card noticeable without going overboard? Follow these expert tips on new business card designs and your card is sure to shine!
Determine your business card message. Do you want a lot of information, or just enough to pique the interest of a client or prospect? The best business card designs start with a clear vision of the end purpose.
Graphics and logos that represent your business are key. The best business card designs incorporate your information with an eye-catching graphic that shows lets people know who you are at a glance.
Consider non-traditional colors for text or paper. More unusual colors get noticed more often. But be careful. New business card designs that use colors that are too bright or too unusual come across as hard to read and unprofessional.
Choose the right font for your business. More creative industries have more flexibility in their choice of fonts versus more traditional companies. There are literally thousands of fonts out theretake the time to find the one that captures the spirit of your business while still being easy to read.
When in doubt, hire a professional business card designer online. A business card designer will work with your to bring all these elements and more together to produce the perfect business card for you. And you can preview your results before you buy.
In the end, its important to find a business card design that strikes the right balance between catching the eye and ultimately getting the business. Keep working until you find the best design that has it allitll all pay off in the end!
Its a fact: 90 percent of business cards are thrown away within the first week. Given that, its more important than ever to have a business card design that not only gives out your vital information, but also catches the eye and makes it stand out from the standard black on white.
How do you make your card noticeable without going overboard? Follow these expert tips on new business card designs and your card is sure to shine!
Determine your business card message. Do you want a lot of information, or just enough to pique the interest of a client or prospect? The best business card designs start with a clear vision of the end purpose.
Graphics and logos that represent your business are key. The best business card designs incorporate your information with an eye-catching graphic that shows lets people know who you are at a glance.
Consider non-traditional colors for text or paper. More unusual colors get noticed more often. But be careful. New business card designs that use colors that are too bright or too unusual come across as hard to read and unprofessional.
Choose the right font for your business. More creative industries have more flexibility in their choice of fonts versus more traditional companies. There are literally thousands of fonts out theretake the time to find the one that captures the spirit of your business while still being easy to read.
When in doubt, hire a professional business card designer online. A business card designer will work with your to bring all these elements and more together to produce the perfect business card for you. And you can preview your results before you buy.
In the end, its important to find a business card design that strikes the right balance between catching the eye and ultimately getting the business. Keep working until you find the best design that has it allitll all pay off in the end!
What To Look For In Business Credit Cards
Everybody needs credit and it is no different for a business. When establishing a businesses credit the first step is usually to get a business credit card. Business credit cards often differ from credit cards for personal use. It is good to know the difference between personal and business credit cards, as well as what to look for in a business credit card. Your businesses credit is as important, if not more than your personal credit, so knowing as much as you can about it is essential.
Knowing the difference between business and personal credit is the first step to getting a business credit card. Most card offers you get will be based on your personal credit and just have your business name on them. What this means is your business name will just get added to your personal credit report and this card will report to your personal credit. You will not be building credit for your business. In order to figure out if the credit offers you are getting are like this or not is to see what credit agency they report to. The business credit agencies are: Dun & Bradstreet, Experian Business, Equifax Business, Business Credit USA. If they report to anyone else then it will be based on your personal credit. You should ask if they have a business card you can get. This will allow you to build your business credit.
Besides starting a business credit report a business credit card can help your business with other things. You will be able to keep business and personal finances separate. You can track your business purchases easily and have a nice detailed record of everything you buy or pay on your credit card in your monthly statements. The biggest benefit of all this will come at tax time when you do not have to sort through a mixed mess of personal and business paperwork.
Other things to look for in a business credit card are similar to what you would look for in a personal credit card. You should compare fees and interest rates. You should also consider how you will use it and any benefits offered by the credit card company. It is important to shop around and look for the card that will work best for your business.
A business credit card can be great for both you and your business. You can begin to build a credit history for your business and keep your finances organized. To get the most out of a business credit card you should always make sure it is reporting to the business credit agencies and is separate from your personal credit record. You should shop around for a card that has good fees and will suit your business. Looking for a business credit card is a lot like looking for any other credit card, but it is important to remember it is for business not personal use.
Everybody needs credit and it is no different for a business. When establishing a businesses credit the first step is usually to get a business credit card. Business credit cards often differ from credit cards for personal use. It is good to know the difference between personal and business credit cards, as well as what to look for in a business credit card. Your businesses credit is as important, if not more than your personal credit, so knowing as much as you can about it is essential.
Knowing the difference between business and personal credit is the first step to getting a business credit card. Most card offers you get will be based on your personal credit and just have your business name on them. What this means is your business name will just get added to your personal credit report and this card will report to your personal credit. You will not be building credit for your business. In order to figure out if the credit offers you are getting are like this or not is to see what credit agency they report to. The business credit agencies are: Dun & Bradstreet, Experian Business, Equifax Business, Business Credit USA. If they report to anyone else then it will be based on your personal credit. You should ask if they have a business card you can get. This will allow you to build your business credit.
Besides starting a business credit report a business credit card can help your business with other things. You will be able to keep business and personal finances separate. You can track your business purchases easily and have a nice detailed record of everything you buy or pay on your credit card in your monthly statements. The biggest benefit of all this will come at tax time when you do not have to sort through a mixed mess of personal and business paperwork.
Other things to look for in a business credit card are similar to what you would look for in a personal credit card. You should compare fees and interest rates. You should also consider how you will use it and any benefits offered by the credit card company. It is important to shop around and look for the card that will work best for your business.
A business credit card can be great for both you and your business. You can begin to build a credit history for your business and keep your finances organized. To get the most out of a business credit card you should always make sure it is reporting to the business credit agencies and is separate from your personal credit record. You should shop around for a card that has good fees and will suit your business. Looking for a business credit card is a lot like looking for any other credit card, but it is important to remember it is for business not personal use.
Monday, February 5, 2007
5 Ways to Control You're Spending with a College Student Credit Card
When you are in college, you may think that it is going to be the best time of your life so you want to live it up. In reality, you are going to want to watch what you are doing with the credit card that you received from one of the major credit card companies out there.
You are going to want to set a limit to what you are going to spend each month with the credit card. That way you are not going to put yourself in credit card debt in the first year that you are at school. Once you have set your self a limit to what you are going to spend each month with the credit card make sure that you are sticking to the spending limit that you have set. In other words, you are not going to want to spend every thing that you are able to receive from the credit card in one month.
You are even going to want to make sure that you are going not to go on any big shopping sprees when you see something that you really like and think that you just have to have. That is going to end up putting your balance up higher than you are going to be able to pay for when the bill comes due. There is even a good thing about you getting the bill instead of your parents. When you are receiving the bill then you are going to be able to pay for all of your purchases your self. You really want to try not to have your parents paying the total balance of your credit cards each month because it is not going to teach you anything if you are not taking the responsibility for the bills that you have made on your own.
One thing to really think about is to only use your credit card when it is an emergency. This could be gas for your car so that you are able to get back and forth to your classes or even if you find that, you are going to need a certain book for your class that was not on your book list in the beginning of the semester. That way you are going to have a bill each month that you are not going to be able to pay for on your own.
When you are in college, you may think that it is going to be the best time of your life so you want to live it up. In reality, you are going to want to watch what you are doing with the credit card that you received from one of the major credit card companies out there.
You are going to want to set a limit to what you are going to spend each month with the credit card. That way you are not going to put yourself in credit card debt in the first year that you are at school. Once you have set your self a limit to what you are going to spend each month with the credit card make sure that you are sticking to the spending limit that you have set. In other words, you are not going to want to spend every thing that you are able to receive from the credit card in one month.
You are even going to want to make sure that you are going not to go on any big shopping sprees when you see something that you really like and think that you just have to have. That is going to end up putting your balance up higher than you are going to be able to pay for when the bill comes due. There is even a good thing about you getting the bill instead of your parents. When you are receiving the bill then you are going to be able to pay for all of your purchases your self. You really want to try not to have your parents paying the total balance of your credit cards each month because it is not going to teach you anything if you are not taking the responsibility for the bills that you have made on your own.
One thing to really think about is to only use your credit card when it is an emergency. This could be gas for your car so that you are able to get back and forth to your classes or even if you find that, you are going to need a certain book for your class that was not on your book list in the beginning of the semester. That way you are going to have a bill each month that you are not going to be able to pay for on your own.
Credit Card Extras
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that it provides you with free travel insurance. These are especially popular with American credit cards.
Loyalty schemes may give you points, air miles, or some other form of reward for every pound you spend with your credit card. So simply by using your credit card, you will be collecting loyalty points that will soon add up. You can then use them to claim a cash refund or some other reward. If you are collecting air miles than you will be able to use them to book free plane tickets or upgrade your flights to business or first class.
One of the other big advantages of making a purchase with your credit card is that the credit card company will have to guarantee the quality of the item you purchase. So if, for example, you buy a sweater with your credit card, and it turns out to be of defective quality, then you will have two options, you can go to the seller of the sweater for a refund. But sometimes you will be unable to seek a refund from the retailer, such as if you bought it from somewhere far away from where you live, or you cannot get a refund from the retailer for whatever reason, in this circumstance, you can instead turn to the credit card company and claim the refund from them instead. This is a major advantage of using your credit card to pay for purchases.
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.
Some credit cards will offer you special discounts or benefits from specific stores or companies. So you may for example get a discount for all purchases you make from a specific company. This will especially be the case if the credit card provider is in some way affiliated with a store or major retailer.
Another benefit you may get from your credit card is when you rent a car. Many credit card companies will offer you car rental insurance when you use the card to pay for the car rental. The same may be true of booking flights or other travel purchases. A benefit of the credit card may that it provides you with free travel insurance. These are especially popular with American credit cards.
Loyalty schemes may give you points, air miles, or some other form of reward for every pound you spend with your credit card. So simply by using your credit card, you will be collecting loyalty points that will soon add up. You can then use them to claim a cash refund or some other reward. If you are collecting air miles than you will be able to use them to book free plane tickets or upgrade your flights to business or first class.
One of the other big advantages of making a purchase with your credit card is that the credit card company will have to guarantee the quality of the item you purchase. So if, for example, you buy a sweater with your credit card, and it turns out to be of defective quality, then you will have two options, you can go to the seller of the sweater for a refund. But sometimes you will be unable to seek a refund from the retailer, such as if you bought it from somewhere far away from where you live, or you cannot get a refund from the retailer for whatever reason, in this circumstance, you can instead turn to the credit card company and claim the refund from them instead. This is a major advantage of using your credit card to pay for purchases.
Sunday, February 4, 2007
Tips For How to Apply For a Credit Card
There are many people young and old that are in great need of a credit card. This can be for many reasons. Some people need help with bills that they don't have the cash for. Others want a credit card so they don't have to carry cash. Some people need one to go on vacation. Whatever the reason is, most people feel they need a credit card. Unfortunately, credit cards are not handed out like candy. Most people have to apply for a credit card before they can get one. If you are looking into getting a credit card, please read on to get some tips on how to apply for a credit card.
There are several ways to apply for a credit card. You can go online, call the credit card company, or fill out the application by mail. Keep in mind that when you apply for a credit card, you will have to give out your personal information. All credit card companies will need your social security number as they will use it to run a credit check on you. This is why it is best to have the best credit you can have when you apply for a credit card.
Before you apply for a credit card, you should do some research on which credit card company has the best APR rate and bonus programs. Many credit card companies have a low introductory APR rate for new credit card holders. Some credit card companies even offer no APR for 12 months! But remember, to get this kind of a deal, you probably need to have good credit. The bonus programs credit card companies' offer can vary. Some offer cash back bonus awards. Some have free airline mileage. Others give you points towards merchandise.
The last things you should look into when you apply for a credit card is if there is an annual fee to have the card and what your credit limit is. Some cards have an annual fee you must pay just for having their credit card so you may not want this type of credit card. When deciding on a credit limit, most credit card companies will base it on your income and credit score. Never get a credit limit that is too high for you to handle.
These were all of the most important tips on how to apply for a credit card. Be sure to do your research before you apply for a credit card. There are dozens of companies to choose from. Take you time and pick the best credit card that will suit your needs before you apply. This way you won't waste you time or your money!
There are many people young and old that are in great need of a credit card. This can be for many reasons. Some people need help with bills that they don't have the cash for. Others want a credit card so they don't have to carry cash. Some people need one to go on vacation. Whatever the reason is, most people feel they need a credit card. Unfortunately, credit cards are not handed out like candy. Most people have to apply for a credit card before they can get one. If you are looking into getting a credit card, please read on to get some tips on how to apply for a credit card.
There are several ways to apply for a credit card. You can go online, call the credit card company, or fill out the application by mail. Keep in mind that when you apply for a credit card, you will have to give out your personal information. All credit card companies will need your social security number as they will use it to run a credit check on you. This is why it is best to have the best credit you can have when you apply for a credit card.
Before you apply for a credit card, you should do some research on which credit card company has the best APR rate and bonus programs. Many credit card companies have a low introductory APR rate for new credit card holders. Some credit card companies even offer no APR for 12 months! But remember, to get this kind of a deal, you probably need to have good credit. The bonus programs credit card companies' offer can vary. Some offer cash back bonus awards. Some have free airline mileage. Others give you points towards merchandise.
The last things you should look into when you apply for a credit card is if there is an annual fee to have the card and what your credit limit is. Some cards have an annual fee you must pay just for having their credit card so you may not want this type of credit card. When deciding on a credit limit, most credit card companies will base it on your income and credit score. Never get a credit limit that is too high for you to handle.
These were all of the most important tips on how to apply for a credit card. Be sure to do your research before you apply for a credit card. There are dozens of companies to choose from. Take you time and pick the best credit card that will suit your needs before you apply. This way you won't waste you time or your money!
Saturday, February 3, 2007
What To Look For In Business Credit Cards
Everybody needs credit and it is no different for a business. When establishing a businesses credit the first step is usually to get a business credit card. Business credit cards often differ from credit cards for personal use. It is good to know the difference between personal and business credit cards, as well as what to look for in a business credit card. Your businesses credit is as important, if not more than your personal credit, so knowing as much as you can about it is essential.
Knowing the difference between business and personal credit is the first step to getting a business credit card. Most card offers you get will be based on your personal credit and just have your business name on them. What this means is your business name will just get added to your personal credit report and this card will report to your personal credit. You will not be building credit for your business. In order to figure out if the credit offers you are getting are like this or not is to see what credit agency they report to. The business credit agencies are: Dun & Bradstreet, Experian Business, Equifax Business, Business Credit USA. If they report to anyone else then it will be based on your personal credit. You should ask if they have a business card you can get. This will allow you to build your business credit.
Besides starting a business credit report a business credit card can help your business with other things. You will be able to keep business and personal finances separate. You can track your business purchases easily and have a nice detailed record of everything you buy or pay on your credit card in your monthly statements. The biggest benefit of all this will come at tax time when you do not have to sort through a mixed mess of personal and business paperwork.
Other things to look for in a business credit card are similar to what you would look for in a personal credit card. You should compare fees and interest rates. You should also consider how you will use it and any benefits offered by the credit card company. It is important to shop around and look for the card that will work best for your business.
A business credit card can be great for both you and your business. You can begin to build a credit history for your business and keep your finances organized. To get the most out of a business credit card you should always make sure it is reporting to the business credit agencies and is separate from your personal credit record. You should shop around for a card that has good fees and will suit your business. Looking for a business credit card is a lot like looking for any other credit card, but it is important to remember it is for business not personal use.
Everybody needs credit and it is no different for a business. When establishing a businesses credit the first step is usually to get a business credit card. Business credit cards often differ from credit cards for personal use. It is good to know the difference between personal and business credit cards, as well as what to look for in a business credit card. Your businesses credit is as important, if not more than your personal credit, so knowing as much as you can about it is essential.
Knowing the difference between business and personal credit is the first step to getting a business credit card. Most card offers you get will be based on your personal credit and just have your business name on them. What this means is your business name will just get added to your personal credit report and this card will report to your personal credit. You will not be building credit for your business. In order to figure out if the credit offers you are getting are like this or not is to see what credit agency they report to. The business credit agencies are: Dun & Bradstreet, Experian Business, Equifax Business, Business Credit USA. If they report to anyone else then it will be based on your personal credit. You should ask if they have a business card you can get. This will allow you to build your business credit.
Besides starting a business credit report a business credit card can help your business with other things. You will be able to keep business and personal finances separate. You can track your business purchases easily and have a nice detailed record of everything you buy or pay on your credit card in your monthly statements. The biggest benefit of all this will come at tax time when you do not have to sort through a mixed mess of personal and business paperwork.
Other things to look for in a business credit card are similar to what you would look for in a personal credit card. You should compare fees and interest rates. You should also consider how you will use it and any benefits offered by the credit card company. It is important to shop around and look for the card that will work best for your business.
A business credit card can be great for both you and your business. You can begin to build a credit history for your business and keep your finances organized. To get the most out of a business credit card you should always make sure it is reporting to the business credit agencies and is separate from your personal credit record. You should shop around for a card that has good fees and will suit your business. Looking for a business credit card is a lot like looking for any other credit card, but it is important to remember it is for business not personal use.
Cash Back Credit Card Tips
Wouldnt it be great if you could get an extra cash rebate on every purchase you made? Well, that is completely possible with cash back credit cards. This type of credit card gives you a certain percentage back on many of your purchases. You can receive the money from your credit card either monthly or yearly according to the credit card company.
You may be wondering what type of items count for your cash back credit card rebates. Most of the time such things like balance transfers and cash advances do not count and you will not receive any type of credit card rebates. You will have to check with each credit card company to learn which cash back credit card applies to purchases that you normally buy.
How much can you get from a cash back credit card is another issue. You can search and determine which ones yield the best percentage, however, make sure they are stores that you personally shop at or are items that you normally purchase.
You may even enjoy more cash back with different cash back credit card policies if you shop at certain stores such as Wal-Mart or Sears. This can give you more money in the way of cash back.
Redeeming points from your cash back credit card is easy. Normally, you do not have to do anything. It is according to how often the credit card disburses the cash back. Some credit card companies are now offering the cardholder to redeem points on their cash back credit card rewards to be applied to their balance. You can even use your cash back for charitable contributions.
There are fees with any credit card receiving cash back is just a reward so to speak. A cash back credit card can have other fees such as balance transfer fees, annual fees, high interest, high APR, or other charges that may make the cash back credit card less desirable.
Be sure to read the terms and conditions when applying for a cash back credit card. Be sure to find out if you can shop at your favorite stores with the card. Also, find out all you can regarding the applicable fees for the card for cash advances, balance transfers etc., as these extra charges may make this card an expensive proposition. However, if you do choose a cash back credit card, it can be incredibly useful if you shop at those stores and receive money for purchases you normally buy all the time. Just an added bonus for using products you love while shopping at your favorite stores.
Wouldnt it be great if you could get an extra cash rebate on every purchase you made? Well, that is completely possible with cash back credit cards. This type of credit card gives you a certain percentage back on many of your purchases. You can receive the money from your credit card either monthly or yearly according to the credit card company.
You may be wondering what type of items count for your cash back credit card rebates. Most of the time such things like balance transfers and cash advances do not count and you will not receive any type of credit card rebates. You will have to check with each credit card company to learn which cash back credit card applies to purchases that you normally buy.
How much can you get from a cash back credit card is another issue. You can search and determine which ones yield the best percentage, however, make sure they are stores that you personally shop at or are items that you normally purchase.
You may even enjoy more cash back with different cash back credit card policies if you shop at certain stores such as Wal-Mart or Sears. This can give you more money in the way of cash back.
Redeeming points from your cash back credit card is easy. Normally, you do not have to do anything. It is according to how often the credit card disburses the cash back. Some credit card companies are now offering the cardholder to redeem points on their cash back credit card rewards to be applied to their balance. You can even use your cash back for charitable contributions.
There are fees with any credit card receiving cash back is just a reward so to speak. A cash back credit card can have other fees such as balance transfer fees, annual fees, high interest, high APR, or other charges that may make the cash back credit card less desirable.
Be sure to read the terms and conditions when applying for a cash back credit card. Be sure to find out if you can shop at your favorite stores with the card. Also, find out all you can regarding the applicable fees for the card for cash advances, balance transfers etc., as these extra charges may make this card an expensive proposition. However, if you do choose a cash back credit card, it can be incredibly useful if you shop at those stores and receive money for purchases you normally buy all the time. Just an added bonus for using products you love while shopping at your favorite stores.
Friday, February 2, 2007
Prepaid Credit Cards
In todays world, more and more people are finding out that a pre-paid credit card works better for them, than any other type of credit card out there. There are a great deal of reasons that someone would want the convenience and the hassle free enjoyment that having a pre-paid credit card can offer you. A few of these reasons could be, credit trouble that makes getting a regular credit card difficult, teaching your child or college aged student financial responsibility, or just the plain fact of being able to completely control your spending. By getting a pre-paid credit card, all of these things can become a reality.
In the world today, it is hard to do anything without the use of a credit card, for example, you cannot shop online at all without a credit card of some form. In fact, it is hard to rent a car, book a hotel room, get an airplane ticket, or go on vacation without having a credit card. It is a sad but true fact that this world revolves around the use of credit and the industry is showing no signs of slowing down. There are a lot of pros and cons to having a pre-paid credit card, on con is the fact that the card operates specifically like that of a debit card, with the exception that there is not any type of checking or savings account involved.
A pre-paid credit cards works in a way just like a debit card, the spending limit is controlled by the amount you have pre-paid into the card, via the company that issues the card. When you have charged the amount you have, you must make another deposit in order to receive any more credit within the card. There are also many advantages to having a pre-paid card, there are no real limitations on who can and cannot receive one. There is no credit check therefore your credit score is not a decisive factor nor is there an income requirement. The only requirement of obtaining and using a pre-paid credit card is that you have to be a minimum of 18 years old.
In addition, generally a pre-paid credit card does not charge its user an APR rate on the deposit amounts. Many pre-paid credit card companies also allow you to deposit your paycheck directly into the pre-paid card, this saves you time and money by not having to make trips to the bank..
In todays world, more and more people are finding out that a pre-paid credit card works better for them, than any other type of credit card out there. There are a great deal of reasons that someone would want the convenience and the hassle free enjoyment that having a pre-paid credit card can offer you. A few of these reasons could be, credit trouble that makes getting a regular credit card difficult, teaching your child or college aged student financial responsibility, or just the plain fact of being able to completely control your spending. By getting a pre-paid credit card, all of these things can become a reality.
In the world today, it is hard to do anything without the use of a credit card, for example, you cannot shop online at all without a credit card of some form. In fact, it is hard to rent a car, book a hotel room, get an airplane ticket, or go on vacation without having a credit card. It is a sad but true fact that this world revolves around the use of credit and the industry is showing no signs of slowing down. There are a lot of pros and cons to having a pre-paid credit card, on con is the fact that the card operates specifically like that of a debit card, with the exception that there is not any type of checking or savings account involved.
A pre-paid credit cards works in a way just like a debit card, the spending limit is controlled by the amount you have pre-paid into the card, via the company that issues the card. When you have charged the amount you have, you must make another deposit in order to receive any more credit within the card. There are also many advantages to having a pre-paid card, there are no real limitations on who can and cannot receive one. There is no credit check therefore your credit score is not a decisive factor nor is there an income requirement. The only requirement of obtaining and using a pre-paid credit card is that you have to be a minimum of 18 years old.
In addition, generally a pre-paid credit card does not charge its user an APR rate on the deposit amounts. Many pre-paid credit card companies also allow you to deposit your paycheck directly into the pre-paid card, this saves you time and money by not having to make trips to the bank..
Is Consolidating Credit Card Debt A Good Option?
Well, the answer will more often be yes than no. Consolidating credit card debt is often regarded as the first step towards credit card debt elimination. However, even before you move to take first step towards consolidating credit card debt, you must understand that consolidating credit card debt (or balance transfer) is an action that you are taking to eliminate credit card debt. Consolidating credit card debt is not a means of deferring the problem for later.
Consolidating credit card debt is indeed a good option in more than one sense. Not only do you get relief from the rapid increase in your credit card debt, but also get other benefits too. Offers for consolidating credit card debt are in abundance and are very attractive indeed. Almost all the offers for consolidating credit card debt have an initial low APR period during which the APR is generally 0% (or some low figure). In fact, this is one of the main things which make consolidating credit card debt a very attractive option. Besides this low APR, the offers for consolidating credit card debt also include things like no interest rate on the purchases made during first 5 months (or some other initial period) of balance transfer. This is another thing that lowers the speed at which your credit card debt gallops. So these are the two most important benefits that credit card suppliers deploy to attract people into consolidating credit card debt with them.
Then there are other benefits which include things like additional reward points on the members reward program of the credit card you are consolidating credit card debt to. These reward points can be redeemed for other attractive goods/rebates/rewards etc. Sometimes, the new credit card (i.e. the one you are consolidating credit card debt to) might be a credit card that caters more to your current spending needs both in terms of the credit limits and the way you spend your money. For example, the new credit card might be a co-branded one offered by an airline that you have started travelling with very frequently in the recent times and consolidating credit card debt on such a card may open up much more benefits as compared to your current credit card which was based on your needs at the time of you applying for your current credit card. The credit card you are consolidating credit card debt to might open up discount offers to you.
Well, the answer will more often be yes than no. Consolidating credit card debt is often regarded as the first step towards credit card debt elimination. However, even before you move to take first step towards consolidating credit card debt, you must understand that consolidating credit card debt (or balance transfer) is an action that you are taking to eliminate credit card debt. Consolidating credit card debt is not a means of deferring the problem for later.
Consolidating credit card debt is indeed a good option in more than one sense. Not only do you get relief from the rapid increase in your credit card debt, but also get other benefits too. Offers for consolidating credit card debt are in abundance and are very attractive indeed. Almost all the offers for consolidating credit card debt have an initial low APR period during which the APR is generally 0% (or some low figure). In fact, this is one of the main things which make consolidating credit card debt a very attractive option. Besides this low APR, the offers for consolidating credit card debt also include things like no interest rate on the purchases made during first 5 months (or some other initial period) of balance transfer. This is another thing that lowers the speed at which your credit card debt gallops. So these are the two most important benefits that credit card suppliers deploy to attract people into consolidating credit card debt with them.
Then there are other benefits which include things like additional reward points on the members reward program of the credit card you are consolidating credit card debt to. These reward points can be redeemed for other attractive goods/rebates/rewards etc. Sometimes, the new credit card (i.e. the one you are consolidating credit card debt to) might be a credit card that caters more to your current spending needs both in terms of the credit limits and the way you spend your money. For example, the new credit card might be a co-branded one offered by an airline that you have started travelling with very frequently in the recent times and consolidating credit card debt on such a card may open up much more benefits as compared to your current credit card which was based on your needs at the time of you applying for your current credit card. The credit card you are consolidating credit card debt to might open up discount offers to you.
Thursday, February 1, 2007
5 Ways to Find Credit Cards for People with Bad Credit
Bad credit can haunt a consumer. You might not be able to get loans that you need or get the same loans but at a higher interest rate than you normally would with better credit. But there is a way to stop this cycle and its by getting a credit card and using it responsibly. This will show future lenders that you are working to pay off your bills.
1. Online resources
One of the easiest ways to get a credit card when you have bad credit is to look online for various merchants. Of course, you will want to stick with major credit card companies in order to be safe, but many times youll be able to find credit cards that will allow you to start your way to better credit.
2. Your local bank
Many banks also allow you to open up credit cards through their institution. And since the bank knows how much money you have, you can sometimes get a card when you have poor credit. The card wont have a high limit, but youre trying to establish a history of timely payments, not trying to charge yourself back into debt.
3. Secured cards
Another great option for credit cards for people with bad credit is secured cards. If youve ever used a gift card, this is much the same. You will put money onto the card and then be able to use it as you would a traditional credit card. But in this case, you cant spend more than you have on the card, thus you are establish a good credit history.
4. Home equity
If you own a home and are making mortgage payments, you may be able to refinance your loan in order to get more money for your debt. What you can do then is get a credit card account through your bank with this money funding it. Just like a debit card, you will only have as much money as you have refinanced, but youre also able to build a better credit card history by using the monies responsibly.
5. What to look for
When youre looking for a credit card and you dont have good credit, you need to be pickier about who you choose. First of all, you want to choose a credit card that doesnt have a high interest rate that will accumulate balances that you can not pay. You will also want to find a card that does not have a high limit. You want to curtail your spending as you resolve your credit problems.
You cannot avoid your bad credit, so use it to rebuild your financial history and create a better future for your money.
Bad credit can haunt a consumer. You might not be able to get loans that you need or get the same loans but at a higher interest rate than you normally would with better credit. But there is a way to stop this cycle and its by getting a credit card and using it responsibly. This will show future lenders that you are working to pay off your bills.
1. Online resources
One of the easiest ways to get a credit card when you have bad credit is to look online for various merchants. Of course, you will want to stick with major credit card companies in order to be safe, but many times youll be able to find credit cards that will allow you to start your way to better credit.
2. Your local bank
Many banks also allow you to open up credit cards through their institution. And since the bank knows how much money you have, you can sometimes get a card when you have poor credit. The card wont have a high limit, but youre trying to establish a history of timely payments, not trying to charge yourself back into debt.
3. Secured cards
Another great option for credit cards for people with bad credit is secured cards. If youve ever used a gift card, this is much the same. You will put money onto the card and then be able to use it as you would a traditional credit card. But in this case, you cant spend more than you have on the card, thus you are establish a good credit history.
4. Home equity
If you own a home and are making mortgage payments, you may be able to refinance your loan in order to get more money for your debt. What you can do then is get a credit card account through your bank with this money funding it. Just like a debit card, you will only have as much money as you have refinanced, but youre also able to build a better credit card history by using the monies responsibly.
5. What to look for
When youre looking for a credit card and you dont have good credit, you need to be pickier about who you choose. First of all, you want to choose a credit card that doesnt have a high interest rate that will accumulate balances that you can not pay. You will also want to find a card that does not have a high limit. You want to curtail your spending as you resolve your credit problems.
You cannot avoid your bad credit, so use it to rebuild your financial history and create a better future for your money.
A Different Approach to Sending Holiday Cards to Your Customers
Want to be startled? Don't send a holiday card to one of your clients, but ask him, a week after New Year's, "Did you get my holiday card?"
"Why, sure," your client will say. "Thanks for that." What else can he say? He got dozens of holiday cards from vendors. He figures he got yours, too, but it didn't stand out in his mind, because....vendor holiday cards never do.
This year, save your money. Don't send holiday cards to your clients at all.
Do this instead: pick a DIFFERENT time of year to send cards to your clients. Pick a holiday that makes sense for your business (buy a copy of Chase's Holiday Guide at any bookstore to search for a relevant holiday) or make one up. Send a card that says, "Today is national [here's where you get creative] day, and I was thinking about you."
Or, send your clients a card on their birthdays. That'll stand out. You can use Plaxo to find our your clients' birthdays. Or send them a card on the anniversary of the day you met them. Or send them a card on the anniversary of their founding date! That will be appreciated.
Do something different. Don't let your standard holiday card end up in a pile of recycling. Take the opportunity to put your own stamp on the holiday-greeting thing - and make an impact.
Want to be startled? Don't send a holiday card to one of your clients, but ask him, a week after New Year's, "Did you get my holiday card?"
"Why, sure," your client will say. "Thanks for that." What else can he say? He got dozens of holiday cards from vendors. He figures he got yours, too, but it didn't stand out in his mind, because....vendor holiday cards never do.
This year, save your money. Don't send holiday cards to your clients at all.
Do this instead: pick a DIFFERENT time of year to send cards to your clients. Pick a holiday that makes sense for your business (buy a copy of Chase's Holiday Guide at any bookstore to search for a relevant holiday) or make one up. Send a card that says, "Today is national [here's where you get creative] day, and I was thinking about you."
Or, send your clients a card on their birthdays. That'll stand out. You can use Plaxo to find our your clients' birthdays. Or send them a card on the anniversary of the day you met them. Or send them a card on the anniversary of their founding date! That will be appreciated.
Do something different. Don't let your standard holiday card end up in a pile of recycling. Take the opportunity to put your own stamp on the holiday-greeting thing - and make an impact.
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