Before you get your hopes up about a great pre-approved credit card offer you received in the mail, you should know those terms aren’t guaranteed. Once you apply for the credit card, you could receive a credit card with terms higher than what you applied for. For example, you could be pre-approved for a credit card with a 0% introductory rate on balances or purchases for a certain period of time. Once you apply, the credit...
Not only are debt collections one of the most annoying types of accounts to deal with, they’re also terrible your credit score. Collections can stay on your credit report for seven years, making it difficult to get your future applications approved. Fortunately, there are ways you can keep an account from going to collections. Pay Your Bills On Time Accounts are sent to collections only after the original biller is unsuccessful in collecting payment from you....
From hurricanes to tornadoes to earthquakes, there's almost no part of the world that's safe from natural disasters. In the wake of the destruction that comes along with natural disasters, many of us are inspired to help out by making a donation. No matter how big or small, we want our donations to make as much of a real impact as possible. Here are a few tips for donating money after a natural disasters. Check your...
Have you come to the conclusion that your credit card has been stolen? Regardless of why you believe this to be true – such as if someone stole your entire wallet or purse – you need to take immediate action. Sitting back and hoping that your wallet is returned isn’t a mistake you want to make. If you don’t act fast, there’s a good chance that your credit card will be used in a fraudulent manner....
Credit card companies use information from the credit bureaus to figure out who might qualify for one of their credit card products. Then, the credit card issuer sends pre-approved offer letters to consumers that make the cut. If you receive a pre-approved offer in the mail, you should carefully consider whether you want to take it. Do you want another credit card? You don’t have to take the pre-approved offer just because it was sent to...
Your credit card issuer has just as much right to close your credit card as you do. If you find out your credit card issuer has cancelled your credit card, here's what you should do next. Call to find out why. Your credit card issuer won’t always warn you before cancelling your credit card. So, if you’re curious to find out the reason your credit card has been cancelled, call your credit card issuer to find out why....
It’s imperative that you fully understand the many details associated with your credit card. If there’s anything you don’t understand, you should take the time to clear the air in the near future. When you first applied for your credit card, there’s a good chance you put a lot of time and energy into learning more about everything it had to offer. However, as time went by, you forgot about the most important details. With this...
Are you ready to leave your corporate job behind and become a self-employed professional? Do you require some funding in order to make this move? If you don’t know how to fund your self-employed venture it doesn’t mean you are out of luck. It simply means that you need to become familiar with the many options that are available to you. Here are three forms of funding that you absolutely need to consider: • Personal savings....
When you have an excellent credit score, the credit card world is your proverbial oyster. Not only do you have more credit card options, the options available to you include top-tier rewards credit cards. Your payment habits and impeccable credit management have earned a great credit score, make sure you choose a credit card that will help you maintain it. You’ll receive more credit card offers. Because you’re a person who can be trusted to repay...
A travel credit card, with all its available credit, seems like a great way to fund your vacation. You get to have a great time in a new place and postpone the burden of paying for it. Using your credit card for your vacation can be beneficial, just make sure it doesn’t even up costing you more in the long run. Use a travel credit card that will earn rewards. Large-ticket items like vacations are a...
