People from all over the globe are using their credit cards not just during important occasions but also whenever they don’t have enough cash to buy things that they need. Stealing credit card numbers is getting rampant these days. Some people are using this manner to make a living. Have heard about thieves who are actually stealing credit card in various places such as shopping malls, restaurants and others, stealing can also be done in hotels. Most of these individuals are sent to jail but...
Continue readingThese days, it matters to be a smart credit card score. Focusing on your credit score is just like close monitoring your blood pressure or even your blood sugar level. It is so vital for a person to know the numbers that deal with credit cards more so with the score which is as essential as well especially for frequent card users. Credit card report will be the ultimate guide of those who are always using their cards and according to Bloomberg if there may be inaccuracies on the report given by...
Continue readingCredit card companies are now offering lots of freebies and treats for their customers. This is to encourage more people to purchase more since shopping season is up coming and people are hurrying to complete their Christmas shopping. Those who have a good credit score will surely benefit from the rewards most credit cards are offering since these companies truly aim to give incentives and cash back to those who are considered as good payers. Rewards may be very attractive to consumers since...
Continue readingModern technologies today allow people to take advantage of what there is in the market. The joint credit card application being offered by credit card companies today may just be one of those offers that you cannot resists. According to an expert in credit and collection, before a consumer make a research and sit in front of his/her computer, there should be enough time for the research. The process needed for the joint credit card application is so simple because it is merely filling up and...
Continue readingConsumers who want to purchase more than what they can afford tend to apply for credit cards because of the guaranteed approval which happened to be increased lately by more than 50% from the original ratings in the past. Even those who were hit by recession found assurance on credit card companies since they can still purchase even without having cash on hand. The great news is there are over 99% of people who applied for a credit card and all of them were approved. If you are serious to...
Continue readingCredit card is a payment system that offers a convenient and cashless shopping to anyone. It’s a modern way to shop for the things you need without worrying when you run out of cash or when you forgot your wallet. Credit card usage truly provides people with enough convenience to continue with their quality of life though there are lots of uncertain things that continuously happens. This electronic payment system allows each person to shop within a credit limit, through a secured...
Continue readingIn today’s time, there are varieties of credit cards to choose from. Finding out the company that can offer lots of rewards, cash back and freebies might not be a daunting task anymore according to a latest survey made by some independent organizations that protects the rights of credit card consumers. Credit cards in the past will not guarantee that you will be given a chance to own one but these days, if you qualify for the kind of credit card that you are applying for the approval will be...
Continue readingIt has been visibly evident recently that a number of banks in the U.S.A. are offering cash back rewards on credit cards to entice prospective customers and provide more value to the existing customer base.
These credit card cash back offers are derived from diverse patterns based on criteria such as spending limit, type of purchases, sponsors, partners, demography and so on. For example, a new credit card launched by a leading bank in U.S.A. offers cash back from 1 – 3 percent on spending...
Just about everyone uses a credit card and most people are aware of the credit card swipe fees associated with. For those who do not know, swipe fee is the amount that is paid to bank by the retailer when a credit card transaction is done.
Following the increase in debit card swipe fees by the Federal Reserve Board, authorities are now considering increasing the swipe fees on credit cards. This can prove to be detrimental to consumers. Take the example of debit card, following the increase...
As a large number of people use their credit cards while their stay in hotels and also the number of people who have access to this information, it has always been a matter of concern for hotel authorities to safeguard their guests credit card and avoid credit card frauds, scams and identity theft.
Almost 15 top hotel chains have now joined hands to fight against credit card frauds and scams. Top hotel chains such as Hilton Worldwide, Marriot International, Hyatt Hotels Corp. have come...
The interest rates being offered on credit cards have remained steady for weeks without undergoing any changes, despite being high. The average APR on credit cards remained at 14.97 percent for the second straight week. This is the highest average APR that has been reported since 2007. This year, right from the last week of August, the interest rates have either recorded new highs or equaled the highest calculated in the last couple of years.
Cabela’s credit card was the only one that...
The Federal Reserve July and August reports suggest that there has been a decline in the consumer credit card balances. It seems that the people of USA are now concerned to clear the outstanding credit card debt.
According to the July G.19 consumer credit report by Federal Reserve, the credit card debt fell 5 percent in July to $792.5 billion. In August, the credit card debt continued to decline and fell to 3.4 percent to $790.1 billion. This decreasing trend clearly indicates that Americans...