Flat Rate Credit Cards

Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing.

5 Things to Know Before You Apply for a Platinum Credit Card

In our current society where high regard is placed on prestige, image and personal profile, Platinum Credit Cards are often used as status symbols. This stems from that fact that these cards are only approved for high income consumers with good credit records.

How to Get a Better Rate from Your Current Credit Card Company

You have just realized that your credit card company is charging you a hefty 20% interest on your charges! That is way off as compared to the 11% to 15% rates that you see online. When it comes to credit cards, a 5% difference in interest rates can mean a lot especially if you have balances rolled over to the following months.

How to Fix Bad Credit

The credit bureaus and some government agencies may say that in order to fix bad credit, you need time and patience. This is true, but there are ways to improve your credit score that are a little faster and a little easier.

How to Remove a Collection Account from Your Credit Report

Many people have ignored letters from collection agencies. Still others have applied for a mortgage only to find an entry from one on their report. No matter how it gets there, an entry from a collection agency must be deleted from your file.

Why Credit Bureaus Are Ripping You Off... And How to Beat Them

When you pay your credit card bills, your loan balance, or your medical bills, this information is recorded and sent to credit reporting agencies, or credit bureaus. It is their job to keep track of your credit history and other information about your life, such as where you have lived, where you work, your marital status, and any legal action taken against you.

Why Owning a 0% APR Card Could Spell Disaster

Almost everyone gets the offers in the mail for credit cards that claim to provide 0 percent interest. These offers are incredibly tempting, and on the surface they look like a good idea. You could transfer your outstanding balances, buy that big-ticket item you’ve had your eye on, and get free interest for up to a year.

Why You Should Avoid Paying Income Taxes with a Credit Card

We all agree that the credit card is very convenient. That is why the IRS allows you pay your taxes through it. To sweeten the deal, credit card companies offer rewards in the form of frequent flyer miles. So you can get a free air ticket too. But hang on, is that convenient to your pocket too? Sadly, the answer is no.

Top 10 Credit Card Tips

The credit card has been one of the most popular inventions of this time, helping consumers acquire convenience and boosting consumer spending for the economy. However, credit cards have been exploited for the wrong reasons, and thus have become the main source of debt for many consumers

5 Ways to Apply for Instant Credit Card Approval

If you’re shopping on the Internet, chances are good that you will be using a credit card to do so. Credit cards are easier and even safer than checks are cash transactions. But if you don’t already have a credit card, is there a way to get credit instantly?

Finding a Great Cash Back Credit Card Offer

When it comes to rewards programs, the cash back kind is one of the most favorite. Imagine it. In essence, the credit card company is giving you some of your money back for every purchase. It’s like a built-in rebate on everything from gas and food, a night out on the town to a new car.

Student Credit Cards -- What You Need to Know Before You Sign Up

This article describes some of the common perils of owning a student credit card. It also advises students on how they can avoid these traps and protect their credit.

Business Credit Cards – Good or Bad?

The article describes how business credit cards can help run a business more smoothly and also describes the pleasure and perks of owning a good one versus the hassle of a bad one.

5 Tips to Finding the Best Business Credit Cards

If you run a business or have just started one, you can avail of the benefits of a business credit card. These cards help you manage your finance and take care of the expenses for your office. There is a lot of competition among different credit companies all vying to sell business credit cards. How do you pick the one that appeal to you from the lot?