Author RSSBalance Transfer Credit Cards – 5 Critical Points to Consider
Nowadays balance transfer credit cards have become more popular as way for consumers to lower rates and payments on their debts. Mortgages are harder to qualify for and home equity lines are reserved for elite borrowers with tons of equity. Without t...
Is the Credit Cardholder's Bill of Rights Good for You?
The Credit Cardholder's Bill of Rights Act recently cleared the House Financial Services Committee last week and is garnering support from both sides of the aisle. This bill is designed to protect consumers from "unfair and deceptive" practices that the c...
How to Spot Mortgage Fraud
It seems like every day we read about another mortgage company being taken down for fraudulent activities. As the market tightens, banks have begun raising their standards for those people that can qualify for a mortgage. This affects the many mortgage...
5 Credit Bureau Repair Tips
The epidemic of home foreclosures, higher gas and food prices have stretchered the average consumers budget to the max. According to Trans Union and Equifax, national credit scores are steadily dropping at a higher rate than they have seen in the last ...
Credit Cards - Two Cycle Billing and the Disappearing Grace Period
Most people are unaware of the "two cycle" billing method used by many credit card issuers today. This billing method actually makes consumers pay interest twice for charges that they put on their credit cards. Two cycle billing can even apply to those...
Low Interest Rate Credit Cards and How they Differ
With the prime rates as low as they are right now, low interest rate credit cards aren't hard to find when shopping online. The trick though, is being able to separate the best credit cards from the best looking credit cards. Card issuers figured out a...
Payday Loans. Are they really that bad?
If you were to listen to the local press or local politician opining about payday loans you probably have a pretty negative image of what they are. However, have you ever stopped and thought about the people who speak out against payday loans? Most of the...
Credit Cards for Kids, Which Style of Card is the Best?
Parents are turning to credit cards for their kids in record numbers all across the nation. For good reason too, they're safer than cash and they allow parents to easily track their kids spending habits. That being said, the question is, what type of card...
Average Credit Cards with Great Rates
Average credit cards are usually low on features and carry higher rates when compared to other credit cards. Most of the credit cards that consumers will find online are designed for people with very good credit or poor credit. However, in today's market,...
The Fair Debt Collection Act – Use it to Your Advantage
Many people are aware that the Government has passed regulations that regulate how credit collection companies can operate. However, very few people are aware of how they can apply these regulations to their advantage when dealing with a collection compan...
Say Goodbye to Hidden Credit Card Fees
Direct Banc - The U.S. Senate is currently considering a bill which could possibly save consumers that use credit cards on a regular basis. The Bill, Credit Card Fair Fee Act, sponsored by U.S. Senator Dick Durbin (D-IL), contends that credit card issuers...
Gas Credit Cards – Tips on Picking the Best Card
With gas prices skyrocketing, millions of people are flocking to gas cards to help with the rising fuel cost. Gas cards are brand specific credit cards that offer consumers rebates and rewards for using their credit card. Like most credit cards that ...
Three Barriers to Solving the Mortgage Crisis
In late 2006 the economy was showing indicators that pointed to a looming mortgage crisis that would ultimately disrupt the flow of business in the secondary market. Investors, who are essential to the flow of money, basically ignored the warning signs b...
Top 3 Credit Cards for Fair Credit
Credit card issuers are reacting to the recent trend of lower credit scores across America. In the wake of the current mortgage crisis consumer's credit scores have been steadily falling in certain segments of the population. This means that the competiti...
Where are the best mortgage deals in today’s economy?
Many people believe that the best mortgage deals are no longer available for the average consumer that is shopping for a mortgage in today's economy. That may be true if you cannot prove your income or have had a bankruptcy in the last two years. However...