Beat Credit Card Companies at Their Own Game!
Have you ever wondered how much money a credit card company makes? Have you ever wondered how much of that comes from late fees? Everyone has and if you haven't you should because most likely you own a credit card, which means that these late fees has or could directly affect you.
As you have probably taken notice, credit card late fees are on the rise and have been so for awhile. There is enormous competitive pressure on credit-card interest rates and annual fees, and this has given way to a fee frenzy. For credit card issuers, late fees now represent their third largest revenue stream, (interest revenues and merchant fees rank first and second, respectively). In essence, those who pay late are now covering the costs for those credit card users who do not carry a revolving balance and those who file for bankruptcy.
So how much are credit card companies making from issuing late fees? Over the years we have watched the number of late fees charged to consumers jump to record-high levels. Late fees can range from $10 to as much as $40. The average late fee more than doubled since 1996 from $13.28 to $29.84. In fact, many major card issuers are now charging a $35 late fee. Let's assume that 100,000 people made late payments for a particular month and they were charged a late fee of $30 for doing so. This would add up to $3 million in revenue. As you can see, credit card companies are making a lot of money off of card holders and there is no slow down in sight regarding the increase in late fees.
Credit card companies are making a killing off the late fees they issue to their customers and they don't mind doing it because their ultimate goal is to make money. They are like any other for-profit business in that they sell a product or service for revenue. In the case of credit card companies, the product happens to be credit. These companies aren't just some "thing" sucking up as much money as they can. These "things" are run by man. And wherever man is involved, greed also becomes involved. These people are just like you and me. They may have a family to support, bills to pay, etc. Most people don't work just for the pure enjoyment, but for money, a source of income. And the more income we achieve the easier and better our lives become, supposedly.
Some of you may be asking, "So what do we do about the late fees?" Well there's an article that I wrote awhile back that you may be interested in. You can find this article at http://www.nextmonthonline.com/WhitePapers/Article1.aspx . It addresses several methods and tips to avoid having to pay a late fee. One method in particular that I would like to address further in this article is the Skip-a-Payment technique. If you happen to know that you can't pay your credit card bill for a particular month just skip it. Next Month Online is an independent company from credit card issuers. They allow their visitors to skip a payment for a nominal fee. This fee is generally 70% less than your typical late fee. You will accrue no late fee and no bad mark on your credit report. Credit unions often offer this type of service for loans or mortgages, but first you have to fill out an application and then you need to qualify. With Next Month Online, there is no application to fill out and everyone qualifies as long as they have a credit card. Credit card companies are not very happy with Next Month Online because they are losing money every time someone uses the Skip a Payment service. This is by far the best service you can use if you know you will be late because you save a lot of money and avoid all the hassles that come with bad credit.
Credit card companies are not backing down from increasing fees. They, for some reason, do not see us as people who make mistakes once in awhile or people with other priorities in our lives. They want their money and they want it now! This is the reason you should not back down either. Hit them where it hurts, their pocketbooks. If you know you will be late for a particular month, just use a skip a payment service because the credit card companies will no longer be taking money from you, you will be taking money from them.
About the Author Daryl Flagg is the founder and CEO of Next Month Online. Next Month Online is a service that allows its visitors to skip credit card payments. They can be found at http://www.NextMonthOnline.com. Sign up for free!
Data breach hits Tampa Bay Federal Credit Union members FOX 13 News, Tampa Bay
Some Bay Area debit card holders are frustrated after more than 3000 members at Tampa Bay Federal Credit Union were impacted by a data breach. The credit ...
Robert J. Samuelson | Will the global credit boom go bust? Santa Cruz Sentinel
We are in the midst of a worldwide credit boom that may be without precedent. The debt explosion suggests that the global economy — all the national ...
How was your credit card account hacked? You'll probably never know NJ.com
One couple's quest to learn why their credit card was compromised nine times in seven years.
Jewelry Retailer Accused of Opening Fake Store Credit-Card Accounts Wall Street Journal
Signet Jewelers agreed to pay $11 million in penalties to regulators for allegedly opening credit-card accounts without customer consent at retail stores it ...
Banks, credit unions offer help to furloughed federal workers WPRI 12 Eyewitness News
SMITHFIELD, R.I. (WPRI) — As the government shutdown persists, banks and credit unions are offering assistance to the 800,000 federal employees who are ...
Top Rewards Credit Card Offers for January 2019 NerdWallet
There are a number of travel rewards credit cards that should be on your radar this month. Here's a look at some of the top card offers for January 2019.
Grocery store offers credit to federal workers who need a boost WSAZ-TV
The Warfield IGA is offering $150 per week in credit to people who are feeling the effects of the shutdown.
How Do Corporate Credit Cards Work? U.S. News & World Report
Large, established companies may provide corporate credit cards to employees to charge authorized expenses rather than pay out of pocket.
9 Tax Credits You Need to Know Motley Fool
Here are the must-know details behind nine of the most popular tax credits available in the United States.
All the Tax Credits You Can Take for 2018 Lifehacker
Can you smell it in the air? It's tax season, and we're all trying to get the biggest refund possible. That means taking advantage of tax deductions and credits to ...
Man stole credit cards at Plaza Frontenac Cinema, used them at Walmart STLtoday.com
ST. LOUIS • A man pleaded guilty in federal court Wednesday to conspiring to steal credit cards at Plaza Frontenac Cinema and using them to purchase ...
IACPM: Credit managers see dismal 12 months ahead Pensions & Investments
Credit portfolio managers foresee an unpleasant 12 months ahead as nearly three-quarters of those surveyed think credit defaults will rise.
Credit union supports furloughed workers The County
Acadia Federal Credit Union wanted a way to offer assistance to Maine's furloughed workers affected by the U.S. government shutdown that has halted steady ...
New tricks for raising your credit score are on their way CNBC
Two new programs will consider how prospective borrowers manage their cash. Riskier borrowers could see their credit scores rise as a result. Credit card ...
KeyCorp Q4 shows loan growth, strong credit quality Seeking Alpha
KeyCorp (KEY) Q4 adjusted EPS of 48 cents beats consensus of 47 cents. Compares with 45 cents in Q3; Q4 2017 EPS of 17 cents including notable items of ...
Mutual Security Credit Union names new president CTPost
Though it's only been two weeks since his promotion, Henry Baum is looking to take Mutual Security Credit Union into the future of banking as its new president.
Chip Ganassi Racing reveals Kyle Larson’s No. 42 Credit One Bank paint scheme NASCAR
Kyle Larson has a slightly new look on his No. 42 Credit One Bank Chevrolet Camaro ZL1 for the 2019 Monster Energy NASCAR Cup Series season.
UK demand for credit cards and mortgages is collapsing as Brits brace themselves for the shock of Brexit - Business Insider
UK demand for credit cards and mortgages is collapsing as Brits brace themselves for the shock of Brexit Business Insider
The UK housing market has slowed to its lowest level in nearly a decade as Brexit fears freeze demand for mortgages and credit cards.
Prattville police seek credit card thieves Montgomery Advertiser
Card had been stolen from vehicle moments before its use in Millbrook.
Action 9 investigates new credit score hurdle for some home buyers, renters WFTV Orlando
Action 9 investigates how credit scores are now used by a condominium board to make renting or even buying a unit almost impossible.
New York credit card woes will expand after court ruling New York Post
Thanks to a court ruling, stores in New York state will be allowed to charge you more if you use a credit card than if you use cash.
Carrizo Plains solar farm’s credit rating drops to ‘junk’ as PG&E bankruptcy looms The Tribune
S&P Global downgraded the credit rating for Topaz Solar Farm in Carrizo Plains, California, due to PG&E bankruptcy rumors. The SLO County solar farm's ...
Former Arts Council CEO accused of misusing credit cards KBTX
COLLEGE STATION, Tex. (KBTX)- The Arts Council of the Brazos Valley says its former CEO misused credit cards, and the organization has turned over its ...
Police Seek To ID Suspected Tulsa Credit Card Thieves News On 6
Police say they are trying to find two people that officers say may be connected to a Tulsa stolen debit card case.
Could strategic mergers hasten credit union consolidation? Credit Union Journal
As the number of credit unions nationwide continues to shrink, strategic mergers among mid-size and large institutions could become increasingly common.
Credit Card Skimmer Found in McKinney Gas Pump NBC 5 Dallas-Fort Worth
Investigators discovered a sophisticated credit card skimming device from a gas pump at a McKinney Valero this week. The skimmer -- which is able to capture ...
Trial set for 'AK 47 Bandit' suspected of robbing local credit union East Idaho News
IDAHO FALLS — A federal court trial for the Montana man dubbed by authorities as the “AK-47 Bandit” has been set in Lincoln, Nebraska. At a Tuesday court ...
Oregon Rep. Blumenauer makes move for permanent short-line railroad tax credit - Logistics Management
Oregon Rep. Blumenauer makes move for permanent short-line railroad tax credit Logistics Management
Last week, Rep. Earl Earl Blumenauer (D-Ore.) made another push, in the form of new legislation, to make a short-line railroad tax credit permanent.
Fitch says PG&E's bankruptcy will not hurt California's credit rating Yahoo Finance
Fitch Ratings said on Thursday power company PG&E Corp's planned bankruptcy will not at this point hurt the credit quality of California. The credit ratings ...
Credit card skimming device found at gas station in Henry County 11Alive.com WXIA
MCDONOUGH, Ga. — A Valero gas station in McDonough was targeted by credit card skimmers and Henry County Police are asking anyone who might have ...
Best Credit Card for Travelers? Probably Not One From an Airline The New York Times
You've heard the pitch on your flights: Apply for an airline's credit card and get perks like waived bag fees, priority boarding and miles for every dollar you spend.
2 New Ways To Raise Your Credit Score Forbes
By Michelle Black, Next Avenue Contributor. Getty. You're probably well aware that your credit score can have a big influence on your financial well-being, ...
Police search for suspect after robbery at Bristol, VA credit union WJHL-TV News Channel 11
As seen on WJHL News Channel 11 at Noon - Police in Bristol, VA are searching for a suspect after a robbery at United Southeast Credit Union, located at 2035 ...
'Photograph 51' asks: Did DNA pioneer Rosalind Franklin get the credit she deserves? - Milwaukee Journal Sentinel
'Photograph 51' asks: Did DNA pioneer Rosalind Franklin get the credit she deserves? Milwaukee Journal Sentinel
Renaissance Theaterworks performs "Photograph 51," which explores the life of pioneering DNA researcher Rosalind Franklin.
Colony Credit Real Estate Announces Monthly Dividend for Common Stockholders Business Wire
Colony Credit Real Estate, Inc. (NYSE: CLNC) (“Colony Credit Real Estate” or the “Company”) today announced that the Company's Board of Directors has.
Northwest-area credit unions deliver $7.8B in economic impact: Study Credit Union Journal
Credit unions in the northwest delivered an impact of $7.8 billion to their local economies last year, according to a report released Tuesday. The study ...
Woman reports $7,000 charged from stolen credit card: Rocky River Police Blotter cleveland.com
ROCKY RIVER, Ohio -- Theft, Detroit Road: On Jan. 10, a woman reported that her wallet had been stolen while she was shopping at Whole Foods the day ...
Fortnite flaw could allow hackers to access credit card information, listen to conversations: security report - PennLive
Fortnite flaw could allow hackers to access credit card information, listen to conversations: security report PennLive
Fortnite's Battle Royale video game is displayed on an Apple iPhone; a major bug in Fortnite gave hackers access to millions of player accounts. Bloomberg ...
Man uses stolen credit card to buy $3K piece of pool equipment, police say KPRC Click2Houston
Harris County Sheriff's Office investigators are looking for a man who may be part of a “ring of thieves” targeting small businesses in the greater Houston area.
Former Arts Council CEO accused of misusing credit card Bryan-College Station Eagle
Editor's note: This story has been updated from an earlier version to include comments from Sylvia McMullen.
Search is on for 2 credit card fraud suspects in Eaton County WLNS
The two are suspected of using a stolen credit card at retail stores in Eaton County.
A+ Federal Credit Union launches search for next CEO Credit Union Journal
Kerry Parker, the Austin, Texas-based credit union's current CEO, expects to retire around midyear.
Federal court reaffirms 80/20 rule for determining server pay Restaurant Business Online
Restaurants would not be allowed to count servers' tips toward the minimum wage after 2026 if a bill introduced into the U.S. Senate and House of ...
Movies filmed in Massachusetts that received big tax credits Boston.com
Anecdotally, it seems like some sort of film production pops up almost every week in Massachusetts. Statistically, it's likely even more frequent than that.
Prodisee Pantry, Tyndall Federal Credit latest groups to help families impacted by shutdown - WKRG News 5
Prodisee Pantry, Tyndall Federal Credit latest groups to help families impacted by shutdown WKRG News 5
As the Coast Guard and other federal employees go yet another day without a paycheck, more companies on the Eastern Shore look for ways to help.
How to Prevent Your Credit Card Issuer From Canceling Your Card Lifehacker
If you've had credit card debt in the past, or you have an older card you don't really use anymore, you've probably read the advice that you shouldn't actually ...
Consumer worries his 850 credit score will fall if the Sears credit card closes: Money Matters - cleveland.com
Consumer worries his 850 credit score will fall if the Sears credit card closes: Money Matters cleveland.com
Two-thirds of your credit score is made up of your payment history (do you have any late payments) and the amount of debt you have, particularly in relation to ...
6-billion-peso credit package announced for small business owners Mexico News Daily
President López Obrador has announced a microfinance program of interest-free, one-year loans for small business owners.
Global ID Card& Credit Card Printers Market 2018: ZEBRA, MAGiCARD, Evolis, IDP, Nisca, Datacard, Matica, NBS, Swiftcolor - Industry News Today
Global ID Card& Credit Card Printers Market 2018: ZEBRA, MAGiCARD, Evolis, IDP, Nisca, Datacard, Matica, NBS, Swiftcolor Industry News Today
This report focuses on the global ID Card& Credit Card Printers market status, future forecast, growth opportunity, shares and key players. The study objectives ...
Can Trump claim credit for $26 billion in savings on prescription drugs? The Washington Post
“Drug prices declined in 2018, the first time in nearly half a century. During the first 19 months of my Administration, Americans saved $26 Billion on prescription ...
More than 30000 students apply for Empower Illinois tax credit scholarships WREX-TV
ROCKFORD (WREX) – A day after launching, tens of thousands of Illinois students are vying for private school scholarships. Part one of the application for the ...
Deputies: Woman turns self in after ordering items using customers' credit cards WNCT
A woman turned herself in Monday after deputies said she was ordering items for herself using customers' credit cards.
Executive Spotlight: Pelican State Credit Union Vice President Michelle Ford - Greater Baton Rouge Business Report
Executive Spotlight: Pelican State Credit Union Vice President Michelle Ford Greater Baton Rouge Business Report
In October, Michelle Ford was promoted to vice president of human resources. She's been with Pelican State Credit Union for 13 years, and most recently served ...
One of Louisville's largest credit unions opens downtown branch Louisville Business First
Transcend Credit Union has a new downtown location. The office is at 601 S. Floyd St., in the Children's Hospital Foundation building. It's the seventh branch ...
Quick Tip: Erasing credit card debt WLS-TV
Nearly 2/3 of Americans may never know if or when they will be debt-free, according to a new study from creditcards.com. There are a few things to tackle debt.
Former UB student sentenced for credit card fraud scheme WIVB.com - News 4
BUFFALO, NY (WIVB) A former University at Buffalo student could have been sent to jail for up to four years, but was sentenced on Tuesday five years ...
Deputies ask for help ID'ing man accused of credit card theft WHIO
Montgomery County Sheriff's deputies are asking for the public's help identifying a man accused of using a victim's credit card to make multiple purchases at ...
Local News Tax credit helps Coloradans pay for home modifications Deb Stanley 4:30 AM, Jan - The Denver Channel
Local News Tax credit helps Coloradans pay for home modifications Deb Stanley 4:30 AM, Jan The Denver Channel
A new tax credit will help reimburse Coloradans who make home modifications due to a disability or illness.
Settlement would allow credit card surcharges Newsday
Merchants in New York State will be cleared to add credit card surcharges to the price of goods after a long-running court case reached a tentative settlement ...
Funeral director says thieves stole credit cards and charged $100K KTUL
A well-known funeral director is sharing his personal story of how someone broke into his vehicle and stole his old credit cards. Jimmy Spurlock of Integrity ...
Man Wanted for Racking Up $3000 on CFD Volunteer's Credit Cards Kgab
The Laramie County Sheriff's Office is asking for the public's help in finding 43-year-old James Meldrum.. "He's wanted on a credit card fraud warrant," said Lt.
VERIFY: Navy Federal Credit Union providing funding to furloughed members during shutdown? - WUSA9.com
VERIFY: Navy Federal Credit Union providing funding to furloughed members during shutdown? WUSA9.com
A lot of fake stuff circulates online but that's where our Verify team comes in to help separate fact from fiction and get you truth. Like a viral post a viewer came ...
Roger Federer pays credit to Dan Evans after Australian Open victory: 'It feels like playing a mirror' - The Telegraph
Roger Federer pays credit to Dan Evans after Australian Open victory: 'It feels like playing a mirror' The Telegraph
Dan Evans received the ultimate compliment from Roger Federer – “It feels like playing a mirror a little bit” – after giving the great man a stern examination in ...
You Need To Know This About Credit Unions Forbes
Dan Berger, president and CEO of the National Association of Federally-Insured Credit Unions, explains the advantages of a financial institution you may know ...
Aurora police seek suspect they say used stolen credit cards Chicago Daily Herald
Aurora Police are seeking the public's help in identifying a man they say used stolen credit cards.
Aireon Signs $200 Million Credit Facility with Deutsche Bank Via Satellite
Aireon revealed that it signed a credit facility agreement for $200 million with a group of several independent investor funds, led by Deutsche Bank. This credit ...
Boulder police searching for suspects in credit card theft tied to possible assault - Boulder Daily Camera
Boulder police searching for suspects in credit card theft tied to possible assault Boulder Daily Camera
Boulder police are searching for two suspects in the theft of credit cards from a woman who may have been the victim of an assault.
Police seize credit-card skimmer from McKinney gas pump Dallas News
A customer alerted the Texas Department of Agriculture to a credit-card skimmer found at a McKinney gas station Monday. The skimmer turned up on pump 7 at ...
How Southwest Airlines's Credit Cards Just Got Better Condé Nast Traveler
One of the best perks that Southwest Airlines offers its loyalty members and credit card holders is the Companion Pass—essentially a "buy one, get one flight for ...
First Citizens' Federal Credit Union announces First Citizens' Charitable Foundation - Taunton Daily Gazette
First Citizens' Federal Credit Union announces First Citizens' Charitable Foundation Taunton Daily Gazette
FAIRHAVEN – First Citizens' Federal Credit Union's commitment to the communities in Southeastern Massachusetts and Cape Cod has spanned over eight ...
The Artificial Intelligence Gap Between Megabanks, Community Banks And Credit Unions Forbes
There is a growing gap in AI investment and utilization between large and small banks which will enable the larger ones to garner even more market share away ...
'She's my lucky charm:' Dad gives daughter credit for $200,000 lottery win WTVD-TV
James Harrison is giving his daughter the credit for his $200000 lottery win, calling her his "lucky charm."
Police request public's help identifying credit card theft suspect WNDU-TV
THREE OAKS, Mich. (WNDU) – The Three Oaks Police Department is asking for the public's help identifying a woman they say stole credit cards from vehicles.
Ares Dynamic Credit Allocation Fund, Inc. (ARDC) Ex-Dividend Date Scheduled for January 18, 2019 - Nasdaq
Ares Dynamic Credit Allocation Fund, Inc. (ARDC) Ex-Dividend Date Scheduled for January 18, 2019 Nasdaq
Ares Dynamic Credit Allocation Fund, Inc. ( ARDC ) will begin trading ex-dividend on January 18, 2019. A cash dividend payment of $0.108 per share is.
Ent Credit Union plans new headquarters in north Colorado Springs Colorado Springs Gazette
Ent Credit Union announced Tuesday that it plans to start building a 300000-square-foot headquarters this summer near InterQuest Parkway and Interstate 25, ...
Can You Pay Your Taxes on a Credit Card? The Motley Fool
Paying your taxes with a credit card is possible, but it requires some extra steps, several fees and shouldn't be done just to reap credit card rewards. Using a ...
Security Alert: Payment Services Versus Credit Cards Wink News
When shopping online, there are risks associated with payment services and using a credit card to make online purchases. Credit Card: If you pay with a credit ...
Universal Credit couple living in car for 8 weeks in cold fear they could DIE as it could take TWO YEARS to - The Sun
Universal Credit couple living in car for 8 weeks in cold fear they could DIE as it could take TWO YEARS to The Sun
A DESPERATE couple who have been forced to live in their Mercedes say their situation is so dire that they could be dead before they get housed. Tina and ...
A professor explains why he doesn't offer extra credit to his students (opinion) Inside Higher Ed
I don't offer students extra credit. I say that in the syllabus and in my online course orientation. As a writing instructor, I typically have 700-plus essays to evaluate ...
Lots of plans to boost tax credits: which is best? Brookings Institution
Recent tax credit proposals to help low- and middle-income families, such as Senator Kamala Harris' LIFT the Middle Class Act, are being hotly debated.
Year of Free Credit Report Monitoring Is Ending. Here’s What to Do Now. The New York Times
The free *service* started after Equifax's huge breach in 2017. Consumer advocates suggest placing a security freeze — not a lock — on credit files.
A Charleston artist's work went viral, but she's not getting the credit Charleston Post Courier
Cathy Aycock says she has had both the best and worst week of her life.
Tomi Lahren wants people to give Trump credit' for eating fast food even though he’s rich - Yahoo Entertainment
Tomi Lahren wants people to give Trump credit' for eating fast food even though he’s rich Yahoo Entertainment
On Wednesday's Fox & Friends, contributor and conservative commentator Tomi Lahren made a case for why President Trump should get more praise for the ...
Northwest Community Credit Union; 'We just want to help the people in our communities' KVAL
EUGENE, OR, - Northwest Community Credit Union is offering special plans and benefits for those affected by the partial government shutdown. The partial ...
$400K tax credit to aid Ludlow Mills Clock Tower development MassLive.com
The credits, authorized by Secretary of the Commonwealth William Galvin via his chairmanship of the state Historical Commission, can be accessed once the ...
The 5 Cheapest Ways To Pay Off Credit Card Debt Fast Forbes
Of course, the faster you pay off credit card debt with as little cost as possible the better. But which method is the fastest? Which is the cheapest, and can you get ...
Universal credit rollout delayed for existing claimants in NI until 2020 BBC News
Plans to move existing benefits claimants from the old system to universal credit have been postponed in NI for at least six months. Stormont officials have ...
5 Credit Card Trends To Watch In 2019 Forbes
Some credit card experts say 2019 might usher in a more austere period for credit card rewards, especially if interest rates continue to rise and the economy ...
Police need help identifying woman wanted for credit card theft ABC 57 News
THREE OAKS, Mich.—The Three Oaks Police Department is asking for the public's help in identifying a woman under investigation for credit card theft.
Police: Man spends over $5,000 on stolen credit card WCAX
Police are asking for help in finding a man who they say stole a wallet and spent over $5000 on tech gadgets.
Government shutdown could hurt federal workers' credit scores CBS News
Federal workers are scrimping to avoid being dinged by lenders for missing payments and damaging their credit scores.
Credit card skimmer found at Birch Run gas station Detroit Free Press
Birch Run police are warning that they've discovered credit card skimmers on pumps 1 and 2 and the Birch Run 7-Eleven.
Eagle Point Credit Company: Game Plan For The NAV Announcement This Week Seeking Alpha
Leveraged loan prices fell hard in December, which may cause ECC's 12/31 NAV to drop even further. However, loan prices already have recovered in January, ...
BREAKING: New Credit Card Payment Policy for Disney World Resort... wdwnt.com
Beginning on February 27th, 2019, the Walt Disney World Resort hotels will implement a new payment card policy for guests who wish to put a payment card on ...
Bad loans decline through co-op deal a credit positive, Moody's says Cyprus Mail
Moody's rating agency said the decline of non-performing exposures (NPEs) by €5.6bn, or 33.6 per cent, stemming from the resolution of the co-operative bank ...
Ent Credit Union to build new headquarters, applications processed for Victory Ridge KOAA 5
COLORADO SPRINGS – Huge growth is happening in northern Colorado Springs. On Tuesday, Ent Credit Union announced a new location for its headquarters ...
Universal credit: U-turn on two-child cap on benefit BBC News
About 15,000 families no longer face having their benefits capped after the government performed another U-turn over its flagship universal credit. The work and ...
Fitch warns an extended shutdown could hurt the U.S. credit rating The Washington Post
As the partial U.S. government shutdown dragged into its 19th day, Fitch Ratings warned Wednesday that an extended shutdown might damage the country's ...
5 reasons I signed up for a Delta credit card even though the SkyMiles program no longer publishes an award chart - Business Insider
5 reasons I signed up for a Delta credit card even though the SkyMiles program no longer publishes an award chart Business Insider
Consider opening the Gold Delta SkyMiles Credit Card from American Express if you can score a huge sign-up bonus like I did.
Rutland police credit falling crime rate with improved drug treatment WCAX
The City of Rutland has made national headlines over the years for its problems with drug addiction, which often goes hand-in-hand with crime. But a new report ...
Credit Cards - A Blessing or a Curse?
Owning a credit card can be quite an advantage. Whether making online purchases, booking an air ticket or a hotel room on the phone or simply being in need of some emergency cash, having a credit card can be a big help.
How You Can Help Prevent Identity Theft
How can I prevent Identity theft from happening to me? Never leave your receipt or slip in the ATM or gas pump. Pay attention to your habits, lock up or organize and file your bills, and bank statements.
Balance Transfers Introduction
Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card.
Credit Repair Scam - How To Avoid Being A Statistic?
A good credit history is critically important for the consumer. A bad credit will prevent you from getting a business loan, owning a home, or even a job.
If gold medals were awarded for marketing consistency, the credit card industry would be the Sarah Hughes of the business world. Major players Visa and MasterCard, who have maintained their steady rates of spending and commitment to their positioning platforms for years, will stick to their established routines this year.
Simplifying Your Search For a New Credit Card
Today, selecting the proper credit card can be a bit confusing to say the least. There are literally hundreds of offers from the major institutions eagerly competing for your business.
Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships.
Fun with Credit Cards
For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative. To those who do not know how to use them properly, I would say that you should stop reading this column right about now, or at least I would advise you not to try any of this stuff at home.
Useful Tips When Choosing Credit Cards
Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires.
First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers
Under the Fair Debt Collection Practices Act, collectors are not allowed to disclose a consumers past due debt to anyone other than the debtor and in some cases a spouse. The Telephone Consumer Protection Act would have required collectors to identify the registered name of their business in any pre-recorded messages to consumers or debtors.
Ethical Finance: Who Benefits From Our Spending?
On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ironically ActionAid, an international development agency whose aim is to fight poverty worldwide.Financial comparison site moneynet.
19,178 Identity Theft Victims Per Day - Are You One Of Them?
Identity theft statistics are shocking. And we are told that it will only become worse, before it gets any better.
Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.
Get Your Credit Score To Soar In The Twinkling of An Eye
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.
Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards
Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed.
Finance - Money, Money
Finance is a big word for some of us. It's a little scary.
Secured Credit Cards- Consumer Tips
Whether you have no credit or damaged credit, secured credit cards are a good tool for building a good credit history.Several months ago Tom, a member of CreditBoards.
Cutting Credit Card Costs
What are the APRs charged by the credit cards in your wallet? If you are paying more than 12% interest on any of them, you are probably paying too much. The prime rate is currently in the single digits, so credit card companies that charge above 13% APR are overcharging.
Building Good Business Credit After Bad Credit
Can you establish good business credit if you have bad personal credit? The answer is yes..
5 Things Your Credit Card Company Keeps Quiet About
Credit Cards can bankrupt you if you let them run away from you. The various Credit Cards companies are in it for profit so they will not generally alert you to things you can do to save yourself money.
|home | site map|