Credit Information


Credit and Banking Money Saving Services


The first rule when applying for banking and credit services is to always read the fine print and to understand all of it. Read up, take it home, and analyze it, ask the banking manager questions. The fine print is there for a reason. The charges and requirements contained in there, will affect the savings or added expenses you incur, whenever you bank or use credit.

Checking Account
You can generate savings of more than $100.00 a year, when you select a checking account with a low or no minimum required balance. Request a list of the fees that are applicable to your account and compare with other checking account offers. Read the fine print. See if you qualify for the conditions and stipulations, the bank requires.

Savings account
Prior to opening a savings or investment account with the bank of your choice, ask the bank and check to see that the account is insured by the federal government (FDIC or NCUA). Otherwise, you will assume 100% of the risk; you may end up risking more rather than saving.

Certificates of deposit or treasury bills or notes. These certificates and notes are accurately called forced savings. They earn above average but only after, they've reached a maturity period. If you withdraw before the due date, you'll incur penalties. This is a competent way to generate savings from funds you have no immediate need for.

Once you've selected the type of savings or investment products, compare the rates and fees offered by different institutions. These rates can vary a lot and, over time, can significantly affect interest earnings.

Credit Cards
You'll generate more savings by researching on credit cards. Or you can call a research credit firm that will for a modest fee; send you a list of low-rate credit cards. Use the list to compare the features of each of these credit card companies, according to their interest rates and billing cycles. Is it a 28 day billing cycle, or a monthly one? What are the freebies? Such as Cash back or airline miles offers. Will you use these? You could be paying for these in the form of higher interest rates.

If you have a credit card, practice the habit of paying off your entire bill at months' end. You generate savings by not paying late payment or over-the-credit-limit fees, which will add up to bigger charges.

If you have a lot of credit cards, consider using only one or two credit cards.

In the long run, your research on banking and credit services, will pay you back well in terms of consistent savings.

Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and financial planning advice that you can research in your pajamas on his website.


MORE RESOURCES:
5 Places Never to Use a Debit or Credit Card  Yahoo Finance

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Emerging-market stocks are off to a roaring start to the year, but investors might want to take some profits after the big move up, according to Credit Suisse.


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Analysts cut their price targets, and flagged credit concerns and tighter lending standards. LendingClub has “taken credit and pricing actions to resolve ...


Police seek ID of man who robbed credit union in Moraine  Dayton Daily News

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Global Recession Fear Is Suddenly Stalking the Credit Market  Bloomberg

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Credit Suisse loses bid to dismiss lawsuit in U.S. over writedowns  Reuters

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Greenwich senior tax credit hits another delay  Greenwich Time

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Credit union says skimmer was used in bank card scheme  WILX-TV

American One Credit Union managers say they believe a skimmer was used to steal card information from 600 ATM users in Jackson.


Spokane Federal Credit Union breaks ground on space to share finances and cup of coffee  The Spokesman-Review

Spokane Federal Credit Union broke ground Tuesday on its new Spokane Valley branch that will share a space with Revel 77 Coffee.


Buying Bitcoin with Your Credit Card  Credit.com News

It is possible to buy bitcoin with your credit card, but there are a few things to be aware of before doing so.


Elwyn moving staff to Camden after $39M tax credit  The Delaware County Daily Times

MIDDLETOWN — Elwyn announced it plans to move up to 200 administrative staff to Camden, N.J., after winning $39.6 million in tax credits in exchange for a ...


4 Things I’ve Learned on My Journey to Great Credit  Yahoo Finance

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Police: Cape Coral man accused of credit card fraud after investigation into fuel purchases  The News-Press

Police were notified by a gas station manager in January about suspicious fuel purchases by a man in a red/maroon pickup truck.


Florida remains hotbed for deals between credit unions, banks  American Banker

Fairwinds Credit Union's deal for Friends Bank marks the third time this year that a Florida bank has agreed to be sold to a credit union.


Best business credit cards for travel  Bankrate.com

The best credit cards for business travelers can make the journey more comfortable, more affordable and even more luxurious.


Failing Payless to honor gift cards, store credit into March  WHNT News 19

TOPEKA, Kan. — The failing Payless ShoeSource chain will honor gift cards and store credit until March 11th as the company liquidates all operations.


14 credit card skimmers found in Arizona so far in 2019  ABC15 Arizona

Officials have already found several credit card skimmers in the Valley this year.


New credit reporting option could raise your credit score  WKBN.com

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How Should We Be Thinking About Credit Spreads?  Seeking Alpha

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Long Beach's credit rating downgraded  Newsday

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Bill Proposes to Fix Credit Reports for Federal Employees  FedSmith.com

A new bill would force credit bureaus to remove negative information on federal employees' credit reports that resulted from the recent government shutdown.


The Latest: Trump takes credit for blocking IS woman from US  WJHL-TV News Channel 11

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Erdogan Makes Cheap Loans a Central Plank in Campaign Trail  Bloomberg

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FORUM Credit Union announces new council members - Business  WTHR

INDIANAPOLIS (WTHR) — FORUM Credit Union welcomed three new members to their advisory council and extended the term of ten other members.


Police searching for pair of credit card thieves  FOX 29

Police are asking for your help to identify two suspects wanted for after allegedly using a stolen credit card. Officials say they were called out to 1002 River Road ...


Sebastian Joe's, Dunn Bros., Chino Latino hit by credit card data breach  City Pages

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Retirement home employee used 95-year-olds credit card to pay car note, deputies say  Gainesville Sun

Essence Kiara Johnson, 29, of Gainesville, was charged with grand theft, illegal use of a credit card and exploiting the elderly.


Firefighters Credit Carbon Monoxide Detectors for Saving Lives at Apartment Complex  9&10 News

Firefighters say carbon monoxide detectors are to thank for alerting several people of elevated gas levels at a Grand Traverse County apartment complex.


Abu Dhabi Oil Giant's Credit Ranked AA as Aramco Seeks Rating  Bloomberg

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Barack Obama Takes Credit For Steph Curry's Lethal Jump Shot  TMZ

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Anthony Wingert and Shay Wright-Mack were arrested February 5 near a Troutdale motel, the Multnomah County DA's Office said in a release.


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Credit Card Data Breached at Shops Across Minnesota  WJON News

Credit card information for customers at a number of businesses in central and greater Minnesota could have been compromised last month.


Man robs Flagstaff's One AZ Credit Union Tuesday afternoon, flees the scene  Arizona Daily Sun

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After the announcement of a merger with Wiregrass Federal Credit Union last week, Army Aviation Center Federal Credit Union is getting a name change.


Fraud investigation at University of Iowa Community Credit Union branch leads to arrests  KCRG

HIAWATHA, Iowa (KCRG) - Police have arrested two people after a fraud alert from an ATM triggered an investigation in Hiawatha.


Suspects sought for stealing purse and credit cards from vehicle  FOX 8 Live WVUE

KENNER (WVUE) - The Kenner Police Dept. is searching for two subjects they say stole a purse and credit card from a vehicle. Police say on Feb. 6 a vehicle ...


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Blackhawk Community Credit Union plans to donate its administrative building on Kennedy Road to HealthNet of Rock County.


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"Jurassic World: Fallen Kingdom" has smashed box office records, surpassing the $1 billion mark worldwide within weeks of being released.


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(WTXL) - Authorities in several Big Bend counties are investigating after multiple credit card skimmers have been discovered at local gas stations.


Fraudsters steal credit card info from dozens across the Tri-Cities  KEPR 19

TRI-CITIES, Wash. -- A group of fraudsters have stolen thousands of dollars from unsuspecting Tri-Cities shoppers. Police say they're looking for them.


Tourism board seeks $100K line of credit | Education  Times Daily

FLORENCE — The Florence/Lauderdale Tourism Board in a called meeting Tuesday voted to enter into discussion with the city's chief accountant about ...


Big Island man charged on 25 counts of credit card theft  Honolulu Star-Advertiser

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Clubs at River City employee misuses company credit card at Menards  Peoria Journal Star

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Medford Police Looking For Credit Card Fraud Suspect  KDRV

Medford police are asking for the public's help in finding a male suspect responsible for fraudulently using credit cards at multiple locations around the city.


Tax credit bill for family caregivers in Wisconsin released  WSAW

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New widow wants to establish credit in her own name: Money Matters  cleveland.com

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Debt Be Not Proud: The danger in the complacency about corporate credit.


Members of local credit union receive phone calls about compromised debit cards  WNEM Saginaw

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Person of interest in identity fraud, credit card fraud case  FOX 5 Atlanta

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Rep. Alexandria Ocasio-Cortez takes aim at Equifax and credit scoring  The Washington Post

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JEFFERSON CITY • Although a Senate proposal to cap spending on low-income housing tax credits could save the state as much as $600 million over the next ...


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The Future is Here: Social credit scores  CBS 8 San Diego

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North Bay Credit Union takes rare step of opening business accounts for cannabis operators  The Santa Rosa Press Democrat

Across California where recreational marijuana sales became legal Jan. 1, 2018, cannabis enterprises typically remain cash-only businesses unable to access ...


GOAT App Offering $1000 In Credit For The Best Custom Sneakers  HotNewHipHop

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9 Reasons Cryptocurrency Is Better Than Credit Cards Today  Dash News

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China Credit Growth at Record in January Amid Seasonal Surge  Bloomberg

China's credit growth exceeded expectations in January amid a seasonal lending surge at the start of the year.


Rep. Ocasio-Cortez hints at hearing for credit score system  Bankrate.com

Rep. Alexandria Ocasio-Cortez called the credit score system "very broken" in a series of social media posts over the weekend. The New York Democrat said ...


Bragg soldier has credit bill paid off  The Fayetteville Observer

A Fort Bragg soldier learned he no longer has holiday debt after being named a winner in a credit card program pay-off sweepstakes last week.Sgt. 1st Class ...


Vote for 321preps.com Community Credit Union Athlete of the Week for Feb. 11-16  Florida Today

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Here's how to save thousands with credits and deductions on your 2018 tax return  CNBC

The tax code has gone through an overhaul since the beginning of 2018, but there are still opportunities to scoop up a few tax breaks that have managed to stick ...


Davenport police investigating armed robbery at DuTrac Community Credit Union  Quad City Times

The Davenport Police are looking for a male subject involved in a armed robbery of the DuTrac Community Credit Union on Saturday morning.


Getting and keeping the credit (score) you deserve  WTOP

Your credit can affect everything from everyday shopping to big ticket purchases, from where you live to getting a job or starting your own business. Nina Mitchell ...


Woman Went on $10K Shopping Spree With Stolen Credit Cards: Cops  Port Jefferson, NY Patch

Woman Used Stolen Credit Cards: Cops - Port Jefferson, NY - Suffolk Police are asking for the public's help to find her.


4million Brits set for £280-a-month boost from Universal Credit – but others could be plunged into poverty if  The Sun

Amber Rudd hailed a *fresh* report which said the new benefits system will help pull hundreds of thousands out of poverty in future, but vowed to do more to make ...


Opening date set for new downtown Flint credit union  MLive.com

FLINT, MI -- The date has been set for a new credit union opening in downtown Flint. ELGA Credit Union posted a message on its Facebook page noting a grand ...


Alexandria Ocasio-Cortez's War on Credit Scores Is a Big Deal  Truthout

Credit scores: Everyone's got one, even if they don't know it — and these numbers can have a profound impact on the trajectory of your life. Representative ...


Marriott’s new Bonvoy credit card bonus: 100,000 points!  San Francisco Chronicle

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4 Steps To Pay Off Credit Card Debt  Forbes

It's no secret that credit card debt is expensive. Don't have a game plan? Here are 4 steps to pay off credit card debt faster. Step 1: Organize your credit cards.


"Credit cards are a scam!" says Bongani  East Coast Radio

Bongani's cousin wants a credit card and has even been offered one by a financial institution. Bongani's warned him not to ever go down that road.


Georginio Wijnaldum is not just another Liverpool workhorse - he deserves more credit than that  The Telegraph

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New Ways to Improve Your Credit Score Coming Soon  ConsumerReports.org

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Credit card fraud  WCAX

Two Massachusetts men arrested in Vermont as they tried to pick up a large order of illegally purchased electronics.


It's Official: Marriott Bonvoy Credit Cards Are Now Live With 100K Point Offers  Forbes

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'Crooked cupid' accused of stealing credit cards for Valentine's Day gifts  KTRK-TV

Video shows the man purchasing several Valentine's Day gift cards with stolen credit cards.


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There's a new way to instantly boost your credit score  NBCNews.com

A new credit assessment program could help millions of Americans instantly improve their credit scores, simply by adding data from their checking account.


Man Robs Mission Federal Credit Union In Scripps Ranch -  KUSI

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The top 5 US cities with the best—and worst—credit scores  CNBC

A credit score is an important measure of financial health and can signify your trustworthiness to institutions. To find which places have the best and worst scores ...


The Obstacle Between Credit Funds and a Giant Pool of Money  Institutional Investor

Insurance companies are vying for yield, and asset managers are eager to provide it through alternatives such as private credit. There's just one problem.


General Dynamics downgraded by Credit Suisse: 2019 forecast is 'well behind defense peers'  CNBC

Credit Suisse downgraded General Dynamics stock to neutral from outperform on Friday, saying the company is "well behind defense peers" in projected growth ...


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