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  • Do You Really Need A Credit Card?  By : Michael D. Strauss
    What can you do if you want the convenience of a credit card without the risk of running up debts? There are three main alternatives you should consider.
  • How Credit Works  By : James Marshall
    In order to acquire and maintain access to credit, one must have a working understanding of how credit works - namely, how credit scores are established and tracked by the three major credit bureaus.
  • Drawbacks Of Not Having A Credit Card  By : creditwisdom
    There are very few things that are as ubiquitous as the credit card. This little rectangle of plastic can give us so much convenience, but to the unwary can also bring so much misery. Credit cards may be the easiest way to get a standby line of revolving credit, always available when you need it, but it can also be the fastest way to get mired in credit card debt.
  • How to Check Credit Reports  By : James Marshall
    Businesses in the United States buy more than two billion credit reports every year. Since there are currently fewer than 300 million people in the country, this means that the average adult has his or her credit reports examined by someone about once every other month.
  • How Do Secured Credit Cards Work?  By : James Marshall
    In today's society, having a credit card is no longer a luxury, it's a necessity. You need a credit card in order to rent a car, book a hotel room, or in the most extreme cases, to rent a movie from the local video store.
  • What the Heck is The Larry Rule ?  By : James Marshall
    Larry Lindsey is probably not a name that you know, but he is an important figure in the history of personal finance. Currently, Mr. Lindsey is President Bush's chief domestic economic advisor. Prior to that, he was a Federal Reserve Board Governor. But neither of these distinctions are what make Larry Lindsey significant. Instead, it was a little incident at Toys 'R Us that gave birth to "The Larry Rule."
  • Entertainment Credit Card - Apply For A Credit Card Of Your Dream  By : Susan Beatrice West
    Are you qualified to get an entertainment credit card-the best credit card ever which has absolutely no credit limit and offers the greatest perks and benefits? Read all about its advantage and disadvantages and make your choice!
  • Credit Card Companies  By : Jay Beech
    Credit card companies are regulated by the Office of the Comptroller of the Currency have been required to increase customers' minimum payments to cover at least the interest and late fees from the prior statement plus 1% of the outstanding balance. Credit card companies don't make money if you don't use your cards.
  • Credit Card Transaction Disputes  By : creditwisdom
    A credit card dispute on transactions made, offers consumers three protections: protection against unauthorized use, billing error procedures, and the right to withhold payment. Lenders follow a set of procedures when you file a credit card dispute for a discrepancy in your bills.
  • The Credit Card- 70 Years of Service  By : creditwisdom
    Credit - and by association the credit card - has become a cornerstone of the American way of life. Each American household is estimated to have among them at least 10 credit cards, not counting charge cards or house cards, and carries an average of $13,000 in credit card debt. This is however not a recent phenomenon.
  • Loans With Poor Credit Are Possible!  By : Alex Morgan
    Loans with poor credit were once an impossible task for most people to achieve. In fact a great many people knew that their dream to own their own home was just that, a dream that had very little hope of ever being realised. Loans were simply not offered to anyone with a poor credit rating, and the only way out of the situation was to take the necessary steps to improve their credit score.
  • Business Credit Cards with Rewards Programs  By : creditwisdom
    If youíve been considering getting a business credit card based on the rewards that it offers, you will find that the major business credit card issuers provide the most comprehensive rewards programs available to business credit card holders.
  • Avoiding the Pitfalls of Business Credit Cards  By : creditwisdom
    For startup entrepreneurs having an excruciatingly difficult time raising capital for their project, borrowing against business credit cards becomes a very real temptation; and sometimes, it is the only option immediately available. The caveat is that if you do not manage your business credit cards wisely, you may end up failing in the venture that you have long wanted to establish.
  • The Rewards You Get from Owning Business Credit Cards  By : creditwisdom
    Business credit card holders are also eligible for incentives and rewards similar to those that are available to personal credit card holders. You may find these incentives and rewards offered by business credit cards helpful in a variety of different ways.
  • The Convenience of Applying for Business Credit Cards Online  By : creditwisdom
    The internet is not only a good place for making comparisons between the various business credit card offers, but it is also a great channel to make your applications. This should make things somewhat easier and a great deal more convenient for you. You simply hop from one website to the next to investigate the different business credit card packages.
  • Protect Your Business Credit Cards from Unauthorized Charges  By : creditwisdom
    One of the many reasons for obtaining a business credit card is that you want the guaranteed line of credit on standby to help you maintain the cash flow of your business. Bearing that in mind, it would be prudent of you to take measures that will protect your business credit cards from unscrupulous people; otherwise, that line of credit could get abused.
  • Factors to Consider When Choosing Business Credit Cards  By : creditwisdom
    Most credit card companies have designed one or more credit card packages that enable small businesses to keep their personal and business accounts apart. These cards, known as business credit cards, are appealing to many small business owners. However, regardless of what these business credit cards may offer, there could be some pitfalls that you need to be on the lookout for.
  • Comparing Business Credit Cards  By : creditwisdom
    When talking about business credit cards, you probably often hear that it is better to shop around and compare the different business credit card products. Perhaps you have been wondering what comparing business credit cards really entail. The task of comparing business credit cards involves an examination of all the factors and features and not only the offered rate of interest or the nature of rewards.
  • Understanding the Ins and Outs of Your Credit Score  By : Peter Bolduc
    As recent as a few years back, the term "Credit Score" was not very commonly used in our society. Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term.
  • Bank of America - Banking on Small Business with Business Credit Cards  By : creditwisdom
    The Bank of America has been building on its existing small business lending portfolio over the past years. Three years ago, it was already one of the top small business lenders in Florida with over $1.5 billion in small business loans and over half that amount being micro-loans under $100,000. With its recent acquisition of credit card issuer, MBNA, the bank has moved into the growing small business credit card market.
  • Putting Out with Business Credit Cards  By : creditwisdom
    Business credit cards have become popular as a source of financing for small businesses. The banks that issue business credit cards and many industry observers have identified small business credit cards as a potential area for significant growth. The personal credit card market is saturated, and the corporate business credit card market, is relatively small.
  • Budgeting Expenses and Income Through Business Credit Cards  By : creditwisdom
    There comes a time in the life of any small-business owner when he or she poses the question: Can I apply credit in a smarter way without getting my business into too much debt? The basic answer to that is: Yes, by protecting your credit.
  • Structured Settlement Broker  By : Scott Schwarts
    Personal injury cases are always very emotional things. There is the injured party that deserves compensation, and the defendant that doesn't want to pay it. Unfortunately, a win for the injured party does not always mean that compensation will occur immediately. In many cases, having a structured settlement is the best way to have the money paid to the injured party.
  • 2 Things To Do In 30 Minutes To Raise Your Credit Score 40-100 Points  By : Jon Ochs
    The first important step is to gain a basic understanding of how your credit scores are determined. I am sure this will be new information for you, since this is not taught to any of us in school. In fact, when it comes to the three credit bureaus, equifax, experian, and transunion, they prefer to keep everyone in the dark on how credit scoring works.
  • Using Business Credit Cards to Finance Small Business  By : creditwisdom
    When the economy struggles and default rates increase, lending standards can get mighty tough, especially for unsecured micro-loans. Banks may continue to court small business during these times, but borrowing will be an uphill climb. There may be one source of financing, however, that will remain plentiful and accessible even in tough times: the business credit card.
  • What Makes Small Business Credit Cards Different From Corporate Cards  By : creditwisdom
    Everyone in business is aware that business credit cards have become increasingly popular. Business credit cards have been receiving special attention from credit card issuers: They recognize the business potential created by the rising demand for business credit cards among small and home-based businesses, and are intent on tapping into it.
  • What If Your Credit Is Damaged By Natural Disaster? Disaster versus Credit.  By : Mary Bailey
    There are things we can't foresee and can't resist. In a natural disaster people lose their homes and money; they can't pay off their debts afterwards. Will your credit stay safe in a hurricane?
  • Advanta Business Credit Card  By : creditwisdom
    In the competitive business credit card market, some financial institutions have opted to become niche players. This decision to specialize is primarily driven by the need to gain market share.
  • Wooing Small Business With Business Credit Cards  By : creditwisdom
    A few months ago (April 18, 2007), Discover Financial Services launched a new business credit card that offers frequent flier miles to small business owners. Among the credit card brands, Discover was one of the last to start offering business credit cards to the small business sector. Reportedly, this is only the latest in a virtual avalanche of business credit cards designed for small business.
  • Citi Driver's Edge Card for College Students  By : creditwisdom
    Citibank is an esteemed company known to offer numerous financial services including various kinds of credit cards with reasonable charges and attractive reward programs. The Citi Driverís Edge Card for College Students, specifically dedicated to college students, walks more or less in the same direction.

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