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Articles Archive for April 2006

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[9 Apr 2006 | No Comment | 330 views]

Travel reward credit cards are a part of the credit card reward program that allows you to redeem cash or credit on your travel purchases. If you are a frequent flier, you can accumulate points using the travel reward credit card of your favorite airline company. You can also use your normal credit card to accumulate points on every purchase and redeem them to visit travel destinations.
Here are 5 tips which will enable you to find the best travel reward credit card, so that you get maximum benefits and rewards out of it:
1. Do you fly the same airline more often? You can identify through your travel habits, as to which airlines do you normally take for business or personal traveling purposes. If you fly with one particular airline company, you can utilize that airline’s travel reward credit card. Since you are loyal to one company, you will get many …

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[9 Apr 2006 | No Comment | 397 views]

A free prepaid debit card is a viable alternative to a credit card. If you are looking for a mode of payment which can save money and also help you manage your finances, then you can go for free prepaid debit cards. Prepaid debit cards are easier to apply compared to credit cards. If you are an employee of a business organization, you are given a free prepaid debit card. You often get these cards free as a promotional move also.
Free prepaid debit cards require no employee verification, bank accounts or past record of credit history. There is no credit line attached, so there is no worry about going past the credit limit and getting involved in a bad credit situation. You can manage your finances well and your overspending habits are curbed. Here are some of the 5 tips which can help you choose a free prepaid debit card …

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[9 Apr 2006 | No Comment | 312 views]

What is an instant approval credit card? You must have come across many credit card companies online claiming that you can apply for a credit card right away and it will be approved ‘instantly’. However, it does not primarily mean that once your application is approved, you can start shopping. You have to actually receive the actual credit card which can take a few days to arrive in the mail, before you can start using it.
The best thing about applying for a card online is that you can come to know within a short time, if you are eligible for the card or not. You do not have to fill the credit card application on paper and send it through the snail mail. You do not have to wait for weeks for the credit card company to run through your credit report and finally send you the credit card. When …

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[9 Apr 2006 | No Comment | 400 views]

What is the concept of a balance transfer credit card? To put it simply, making 0% interest balance transfers from one credit card to another is a great way of answering the age-old conundrum: how to have your cake and eat it too. You have nothing to lose — but to gain you have a bundle of money that could have disappeared while you paid high interests on purchases and loans you’ve made on your current credit card(s). Sounds like an interesting proposition? It most certainly is! Balance transfer credit cards are there to save you in the hour of need. And then there are the best balance transfer cards. We call them best for a reason; flat zero percent interest rate being one of them.
The Basic Advantage of Balance Transfer Credit Cards
However, good things generally don’t last for too long in this world, and 0% interest rate offers on …

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[9 Apr 2006 | No Comment | 628 views]

As you may already know, a balance transfer credit card allows us to transfer the unpaid balance of the current credit card to another card that offers a lower Annual Percentage Rate (APR). Annual percentage rate is a combination of low interest rates and less cash charges. Credit cards with 0% APR balance transfer offer better money saving options. Balance transfer allows customers to pay off their debts quickly and saves them from paying huge amounts as interest.
0% Balance Transfers on Balance Transfer Credit Cards
It helps to move your balance from an existing card to a card that gives a better APR. For example, if your card charges an APR of 27.8% on a balance of $500 then even after paying $75 monthly for a period of 6 months and an interest of approximately $134, you end up still owing a balance of $174. If the same amount is put …

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[9 Apr 2006 | No Comment | 661 views]

Finding the best balance transfer credit cards is not as difficult as you might think. In fact, there are a number of balance transfer credit cards to select from, making the most difficult part deciding which one of the great deals you should take advantage of.
Balance Transfer Credit Card Interest Rates
Since you are looking for a card to transfer your current balances to, you most likely do not intend to pay the balance off in full at the end of the billing cycle. Therefore, you want a card with a low interest rate. Ideally, you should find a card offering a 0.00% introductory rate. The longer this introductory period lasts, the better. Be aware that the interest rate can go sky high on some cards after the introductory period is complete. So, pay special attention to what the interest rate will be after the introductory period is over. The best …

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[9 Apr 2006 | No Comment | 717 views]

When looking into the different types of reward credit cards, it is important for you to understand that there are a wide variety of reward credit cards to choose from. The type of reward credit card that is right for you is largely dependent on your own personal lifestyle and needs.
Airline Miles Reward Credit Cards
Airline miles reward credit cards are usually offered in partnership with a credit card company and an airline company. There are, however, some airline miles reward credit cards that have partnerships with multiple airline companies. Regardless of how the partnerships work with the credit card, the basic idea is the same.
Airline miles reward credit cards allow you to earn points or miles for every dollar spent with your card. In addition, many of these cards provide you with bonus miles for spending money at certain stores or on specific types of purchases. Most commonly, bonus points …

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[9 Apr 2006 | No Comment | 621 views]

Finding the best reward credit cards does not have to be a difficult task. In fact, with so much information available on the Internet, it is quite easy to compare different cards to find the best ones available. Really, it comes down to your individual needs when deciding on the reward credit card. But, there are a few things to consider when trying to determine which reward credit card is best.
Earning Points
Most reward credit cards work by awarding you points for all purchases you make with the credit card. Some will offer a standard rate of return on all purchases and offer extra points for specific purchases. For example, an airline rewards credit card may give you extra points when you purchase items on your credit card with the airline it is associated with. Or, a gas rewards credit card may provide you with extra points whenever you make a …

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[9 Apr 2006 | No Comment | 638 views]

A reward credit card is one of the best ways in which you earn while you spend. To get the best out of reward credit cards you need to first find the right card for yourself. You need to understand your needs well before choosing the best reward credit cards. Such credit cards come in a variety of avatars. You need to find how the finer details – for example, how can you earn a point, as well as the variation of features of a reward credit card should be a major concern for you.
Returns from a Reward Credit Card
The rewards that are offered by these credit cards are somewhat restricted and are not universally applicable. Some reward credit cards will allow the card user to avail of travel discounts while others will give rewards on purchases made for gas, drugs, etc.
The rewards also differ with respect to the kind …

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[9 Apr 2006 | No Comment | 319 views]

When sorting through the large number of reward credit cards that are available, it can sometimes seem overwhelming. Deciding which one is the best for you can seem like a difficult task, but it does not need to be. By taking a look at your own spending habits, lifestyle, and the benefits each card has to offer, you shouldn’t have too difficult of a time determining the best reward credit cards available.
Assessing Your Spending Habits
Your spending habits have a great deal to do with determining which reward credit card is best for you. For example, if you typically spend a great deal of money each year on a credit card, you will receive a greater return. If, on the other hand, you rarely use a credit card, you probably won’t get much out of the card. Similarly, many reward credit cards have an expiration date on the points you earn …