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[04:17:41 AM Friday, December 26, 2008]
They say Christmas is a wondrous time and one can never be too old to believe in the magic of Christmas. At last this holiday has come and we are happy to announce that our Word Search Contest has three winners who will be awarded with great cash prizes of $100, $70 and $50. So, we are ready to honor our Christmas Credit Roundup Game winners. Read on to learn who were those lucky players who managed to find and mark out all the credit-related words on the Christmas tree.
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[03:58:37 AM Tuesday, December 23, 2008]
Christmas is coming and everyone wants to make it special. For most of us, Christmas is all about colored decorations, delicious food, mistletoe, Christmas songs, and by all means gifts under the Christmas tree. The recent holiday survey has shown that almost 70% of U.S. customers want to receive gift cards this holiday season. Interestingly, but 50% of those surveyed said that they planned to give gift cards. The truth is that practical gifts have never been so popular! That's why CreditCardSpecialist.com awards its visitors for their financial knowledge with cash gifts of $100, $70 and $50! The results will be announced tomorrow at 12 AM! Get gifted for quick wits!
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[06:36:01 AM Friday, December 12, 2008]
Do you feel Christmas in the air? There are many nice colorful lights and decorations on houses. Kids are very excited about what presents they will get. When you turn on the radio, you hear old good Christmas songs. Many people are cramming into the malls to do their Christmas shopping. But what about you? Do you feel the Christmas knocking on your door? If you are not in the mood to celebrate it this year, than our online Christmas Credit Roundup Game will help you cheer up. You can earn $100 during several minutes. Christmas wishes often come true, so you may become the winner!
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[05:14:53 AM Thursday, November 06, 2008]
Good news for American borrowers - this Wednesday major U.S. banks began lowering their prime interest rates in tandem with the Fed fund rate reductions. The prime interest rate has dropped to a four-year low 4.0 percent from 4.50 percent. The prime rate is the most common underlying index for most credit cards and other loans. It means that banks and lending companies can lower interest rates to their best customers. JPMorgan Chase and Bank of America were the first to announce lending rate cuts, other banks are likely to follow this trend.
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[04:53:37 AM Thursday, October 16, 2008]
According to the latest survey conducted by Standard and Poor's, American consumers experience difficulties when managing their personal debts. Due to economic hardships such as falling home prices and rising inflation, more and more consumers turn to credit cards. But the problem is, plastics are mostly used as the source of cash, rather than its substitute. About 10% of US consumers make more cash withdrawals to receive cold cash and it leads them to heavy debts. Read more about credit debt and the ways to reduce it!
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[05:55:46 AM Monday, September 29, 2008]
Judging by the results of a new report, the number of contactless card users grows steadily. More and more customers take advantage of so-called wave cards that enable users to swipe their plastics over the reader and thus speed up the process of making new purchases with a card. The great thing about these plastics is that the transaction takes no more than half a second.
The study shows that over 90% of contactless card users find the process fast and easy. In addition to that, customers are satisfied with the acceptance of these plastics at various merchant locations.
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[06:22:57 AM Thursday, September 18, 2008]
Those people who start building their credit history from scratch know how important a FICO score is. Weird as it may sound, but this three-digit number that can range from 300 to 850 seems to play a great role in our financial lives. You could be a good, excellent or a bad cardholder depending on this very score.
Your FICO score is used by a vast majority of lending institutions to estimate your trustworthiness and their risks. And what's more importantly, interest rates and fees on the loans you apply for will be set on strength of your score rating. No wonder why every credit user tries to build a high score rating. By knowing how your card use affects your score rating, you can establish and maintain good credit and get best rates on offer.
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[06:25:06 AM Monday, September 01, 2008]
It's no secret that a great number of consumers prefer doing shopping on the Internet. The convenience of online shopping is obvious - it saves time and money. And what about security? Can you feel absolutely safe when purchasing products online?
According to the survey, the biggest risk for online shoppers can be so-called phishing sites. By clicking on a link, you may have no idea that this web resource is run by crooks whose goal is to get your personal information. The question is, how to shop online safely? Learn how to protect your identity while shopping online with simple steps!
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[05:15:57 AM Monday, August 18, 2008]
If you are one of those who have to cut down your visits to family and friends due to high gas prices, you will surely like a new credit card issued by Citi. ExxonMobil Platinum MasterCard is a really smart choice for frequent drivers. The strong point of this plastic money deal is a great rebate of 15 cents on purchases at Exxon and Mobil gas stations. If you're searching for the best credit card for gas, the new ExxonMobil Platinum MasterCard could be the right choice! Learn more about this credit offer!
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[06:01:48 AM Monday, August 04, 2008]
The House Financial Services Committee supported the Credit Card Bill of Rights, introduced and sponsored by Carolyn Maloney. The panel voted 39 in favor and 27 against the legislation that would ban or restrict predatory credit card practices such as interest rate hikes and exorbitant penalty charges.
The subprime mortgage crisis can be a good lesson to learn from, the US economy is still weak after the housing bubble crash. And consumer advocates believe that abusive credit practices will continue without credit card legislation. Learn more about credit legislation hearings.
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I am on permanent disability and I owe on a credit card. Are they supposed to be charging me interest on it even now the card is inactive or are they supposed to just be charging on what I owe?
Thank you for your help
Answer:
If you carry a balance on your card, the issuer will keep on charging you interest until you pay off the entire balance in full. Even if you don't use your card, you're supposed to pay down your account balance. If you find it difficult to make the minimum payment on your card, you may call up your creditor and explain the situation. You should negotiate this problem with your lender. You may ask to lower your interest rate for a certain period of time, so that you will be able to pay down your balance. This way or another, you need to repay this debt.
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