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Credit Report, Credit Score, Credit Repair, in fact everything to do with Credit!
Credit VideosCredit, credit repair and credit card videos to help you. Repair Your Credit Did you know you can repair your credit score? Do you even know what your credit score is? Don't worry, there are many others that don't know whether they have a good credit score or bad. However, it is vital that you keep on top of your credit history, and repair any negative items that get entered. And don't worry, it is legal to repair your credit rating! Isn't it time you learnt more? 19,178 Identity Theft Victims Per Day - Are You One Of Them?Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better.
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Debt consolidation
– Options for Reducing Credit Card Costs 07/11/07
by Amanda Thompson
Americans are using credit
cards more than at any time in history, and credit card companies are
reaping record profits. One of the reasons that the credit card
industry is so profitable is that so many of us use our credit cards
unwisely. About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner
of Retro Marketing, a firm devoted to informational Websites,
including End-Your-Debt.com, a site devoted to debt consolidation and credit
counseling, and HomeEquityHelp.net, a site devoted to information
regarding home equity
loans.
If you have good credit, you can get a credit card
with a reasonable interest rate; say 10% or so. You can keep that rate
by paying your bill on time. On the other hand, if you pay your bills
late or fail to pay in full, then you will have to pay late fees and
interest. Late fees often range between $15 and $29; some card issuers
may charge even more. Adding to the pain of paying late fees, however,
is the likely change in interest rates on your card if you pay late. A
late payment may trigger a substantial increase in the interest rate
on your card, and that “reasonable” interest rate of 10% may suddenly
rise to 20% or even 25%!
It’s hard to pay off your credit card
balance when you have late fees and 25% interest, so this is something
you definitely want to avoid. If you usually pay on time, and you pay
late once and are charged a late fee, ask your credit company if they
will waive the fee. They will often do it – once. Some will not do it
at all, but it is always worth taking the time to ask. If they are
unwilling to help you, then you may be better off shopping around for
a better credit card deal elsewhere.
You can often save money
by transferring your balance to a lower interest credit card, if you
have one. Competition has been fierce during the last few years among
credit card companies, and it is fairly common to receive
“promotional” rates of less than 5% if you transfer your balance to
another card. Be sure to read the fine print, however. Those low rates
usually apply only to transferred balances, and not to new charges
placed on the card. There is usually a time limit associated with the
promotional rate, and higher rates may apply at the end of the time
limit, perhaps even retroactively!
In summary, if you want to
minimize your credit card costs, try the following:
A few simple steps can save you a
fortune in interest charges and late fees.
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