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Articles in Database: 807
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Credit Index


Read about Credit on erreur404.info. We specialize in Credit. As part of Credit your website, you also need to be aware of all everything out there so we are provideing these articles for you as reference.

  1. The Importance of Your Credit Report By Iwona Kurecka
    Everyone knows that a good credit report and high credit score are important to getting the lowest available interest rates on loans. The low interest rates advertised by banks and credit unions are typically only made available to the customers with the best credit scores, so it is important to keep your credit score as high as possible and keep your credit report free of negative entries.However, the importance of the credit report does not end with financial matters. Credit reports are us…


  2. The Three Largest Factors In Your Interest Rate By David E Brumbaugh
    There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration.1. The Federal Reserve Discount Interest Rate.Banks and other lending institutions borrow money from the Federal Reserve Banks. The discount rate is the interest rate a Federal Reserve Bank charges eligible financial institutions to borrow funds on a short-term basis. This rate is set by the boards of directors of the Federal Reserve Banks. The discount …


  3. Visa or MasterCard: Which Credit Card Should You Apply For? By Ed Vegliante
    Should you get Visa or MasterCard? Is one of them better than the other? Will one of them help your credit rating more than the other? Many people ask themselves these types of questions when they think about getting their first credit card or additional ones. The fact is, few differences exist between the two credit card brands today, but you can benefit by having a better understanding of the two companies and using their competition to your advantage.Just Who Are Visa and MasterCardFirst,…


  4. Credit Card Processing:Step by Step Processing By Jack Chevalier
    This includes general information with a shipping address usually. This follows with the consumer entering payment information either into a form secured by a protocol or into an application, such as Internet Explorer or Netscape Navigator. With the secured form, the payment information is protected by Secure Sockets Layer as it is sent to the merchant. Using the payment software incorporated in the Web server, the merchant sends the encrypted transaction to the acquiring processor for authori…


  5. Which Citi Mastercard Is Right For You? By Jeff Lakie
    You've decided to apply for a Citi MasterCard, but with so many different cards to choose from, how do you know which one is right for you? Here is a brief guide to the different types of MasterCard available from Citibank.A great MasterCard program is the Citi Platinum Select Card. It offers basic rewards, such as an 0% Annual Percent Rate and no annual fee, for qualified applicants. This MasterCard will also give you peace of mind, when making online purchases, because it offers protecti…


  6. Why Does FACTA Matter to Me? By Jonathan Kraft
    FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year. The law went into effect Jan. 1, 2005. So what does that mean for you as an employer?On June 1, 2005, a new provision of FACTA goes into effect. It says that any employer (even if you only employ one person, and you have their personal information so that you can pay social security taxes,) whose action or inaction results in the loss of employe…


  7. Cash Rebate Credit Card By Nathan Dawson
    Cash rebate credit card offers allow you to get a cash rebate every time you use your credit card. More and more companies are beginning to offer cash rebate credit cards, as customers like the idea of getting something back every time they make a purchase.Cash rebate is for those people who prefer getting real cash rewards rather than air miles or other items. If you use your cash rebate credit card often, you can end up with a great deal of money coming back to you.A cash rebate credit card …


  8. Tips for Using Business Credit Cards By Morgan Hamilton
    Business credit cards are some of the most popular. With more and more companies needing credit cards for their day to day operation, they are turning to credit cards that cater specifically to businesses. Business credit cards are perfect for the small or large business owner. They are a great way to get business discounts and deals. Business credit cards also offer reward programs and introductory offers. When choosing and using business credit cards, think about the advantages below a…


  9. Credit Education By Mike Herman
    Having credit education is like knowing how to read. It will be necessary throughout your life.Once you learn it, you will know it forever. Once you establish good skills, they will help you to get ahead throughout your life.So, it is vital to get the education you need or to provide this education to your children.Did you make mistakes along the way? Teach them how to avoid these.If you are trying to learn about credit education on your own, it is important to talk to others as first hand exp…


  10. Credit Cards: Making Your Dreams Come True By Neil Bartlett
    People have always had to choose the right credit card for them. But in the past, this choice dealt mainly with interest rates, grace periods, and credit limits. All of this is still true, however, there is one more aspect you will want to consider - customer loyalty plans!What Is a Customer Loyalty Plan?Some of the most well-known customer loyalty plans are the frequent flyer programs of the major airlines. Programs such as these have been used to keep customer loyalty for many years. Loyal c…


  11. Master The Credit Card Application By Ron King
    Once you decide to get a credit card, select the card that's best for you. Pick the credit card company whose total package of terms,conditions, interest rates, and incentives matches your personal needs.The information you'll need to supply to get a credit card is essentially the same, whether you apply through the mail, over the phone, or online.Application SourcesMost credit card offers come through the mail. This is convenient to review many different offers in writing in the leisure and p…


  12. Student Credit Cards 101 By Rebecca Lindsey
    If you’re a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on?Because financial debt is one of the main reasons that many students end up dropping out of college.Because your college years can be some of your most memorable—and some of your most costly. They don’t, however, have to be the beginning of an adult life strapped with debt.Although you may still feel in limbo between your teen years and adulthood, …


  13. Is it Safe to Use Online Car Finance? By Graeme Sprigge
    Online car finance is convenient. You can apply over the net and shop around for a good deal from the comfort of your home.But with the rise of scams on the net there are precautions you should take to make sure you are not being ripped off.Car Finance Safety Tips1) If you are in an english speaking country, the website you are dealing with should be in english. If the English is poor it could be a scam site.2) Only deal with companies that publish full contact details on their site, such as p…


  14. Credit Score – for Scoring the Right Loan By Natasha Anderson
    Somebody once said, “There is always a way of knowing your limitations and going beyond it.” It is fundamentally true with respect of credit score. There can be nothing more rewarding during loan borrowing than knowing your credit score. There are many people who are practically unaware of what their credit score is; in fact they don’t even know what it means. This credit scoring system has been used since many years to decide whether a borrower is a credit risk or not. Your credit score is im…


  15. Pros and Cons of Credit Cards By Elaine Lim
    Credit cards are very convenient. There’s no need to carry any cash; you can just take a credit card with you to the shop and charge for your shopping.When you shop on the Internet or over the phone, it’s the only good way to make purchases online. This is more convenient than posting a cheque for payment. Like anything convenient, though, having credit cards have its cons.Not Keeping Track of Your Shopping Charges May Land You in Trouble.When you walk into that shop and hand over the card, y…


  16. Ten Steps To Building A Good Credit History By Drahcir Semaj
    Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what’s on your credit report will determine if you can get a loan or insurance and what rates you’ll have to pay.If you’re trying to build or repair your credit history, you have a daunting but not impossible task in front of you. Lots of people have been where you are and today they have good credit. With time, discipline,…


  17. Credit Establishment 101 By Jakob Jelling
    There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you. Most people secure credit cards as the first way to establish credit in High School or College. Upon getting the credit card, usua…


  18. Payday Loans: Convenient Money or a High-priced Trap? By Roger Overanout
    Do you want cash now however your payday is a week away, are you short of cash and require financial help? If so you have in all likelihood heard of payday loans and may be wondering about using this type of credit service. If you need quick cash a payday loan, especially if applied for online, is a speedy and easy way of obtaining emergency finance.There is no credit verification when you request a payday loan so even if you have a inadequate credit history you can still qualify without any p…


  19. Getting Bad Credit Help By Leon Chaddock
    Getting the bad credit help that you need is quite hard. First of all, it is embarrassing and difficult to admit that you need help managing the debt and credit problems that you have. Whether or not you are to blame or whether or not you could do anything about it, really doesn't matter now. Now, what you need is solid bad credit help. Unfortunately, many people, of all sorts, take advantage of people who are in need of assistance and will only further add to that debt. So, before you go…


  20. Making Online Credit Card Applications Simple By Jeff Ponos
    The most convenient and popular way to apply for a credit card now is online credit card application. You can go online and type in the search terms you want, for instance low APR credit card, and receive a lengthy listing of all the credit card offers available from a wide variety of lenders. If a low apr credit card is what you’re looking for, start with the internet.How to applyWhen you begin your search, think of the things that are most important to you about your credit card. Do you want…


  21. Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards By David Hall
    Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending …


  22. Credit Score An Introduction By Darren Yates
    There's a lot of confusing information about credit scores out there. There are people out there who believe that they don’t have a credit score and many who think that their credit score doesn’t count for much. Your credit score can spoil your chances of getting some jobs, of good interest rates and even your chances of getting some apartments.The fact is if you have bills and a bank account then you have a credit score and your credit score matters more than you might realise. Your credit s…


  23. How Many Credit Cards Should You Have? By Bruce Walls
    So how many credit cards do you have in your wallet. Do yo have promises of better rates, lower fees, more airmiles or better perks causing your wallet to be full of cards and your mailbox full of better offers.Most Americans carry five to ten cards while some have five times this amount. This is bound to cause havoc on your credit score, never mind being able to manage them.So how many credit cards is enough. Whilst experts agree that there is no exact number it is more realistic to note how…


  24. Trade Credit - Should you Offer 30 Day Terms to Your Clients? By Marco Terry
    What is trade credit?One of the big differences between consumer and commercial transactions is that most, if not all, consumer transactions are paid in cash or by credit card at the time of sale. Because of this, most consumer businesses never have to worry about extending credit to a customer and can run their operations on an “all cash” basis. This allows them to focus on their core competencies because they don’t have to carry slow paying Accounts Receivables and go through the expense of …


  25. Balance Transfers Introduction By Phil Edwards
    Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card. The main benefit of balance transfer is a money-saving one. In the competitive credit card market an increasing number of companies are offering a 0% interest rate for a fixed period on balance transfers made by new customers. This allows new cardholders to make considerable savings in interest repayments. Interest free periods va…






  26. Article Index: | 1| 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33

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