Credit Card Rates Climb, But Could See a Leveling Off

While credit card rates continued to climb this week, there may be a leveling off in the short term, according to the IndexCreditCards.com weekly Credit Card Monitor.

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How to Avoid Paying Higher Interest Rates

You know that your credit score affects the credit card rates that you qualify for. But, did you know that a little clause in the fine print of the credit card terms and agreements, called the "Universal Default Penalty Clause" may mean that you're already paying a higher interest than when you signed up for the credit card? What does this fine print mean to you?

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How to Avoid 10 Common Credit Card Mistakes

Ever thought that you could make better use of the credit cards that you have but never really knew the inside story? In this article we describe 10 of the most common credit card mistakes made by credit card users.

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How to Avoid Rising Interest Rates

With interest rates on the rise, you may be able to save yourself some money by locking in a low fixed interest rate credit card. This applies especially if you plan to carry a revolving balance.

With some cards, you can even get the low fixed apr for both purchases and cash advances - a hard-to-find benefit when it comes to low interest credit cards. Look for 0% APR introductory rates too, which can save you a good amount of money if you have a large balance.

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Hate Late Fees? Watch out!

According to SmartMoney, Citigroup and American Express have launched new credit cards specifically for people who don't like paying late fees.

One card waives the late fee charge as long as the card holder makes at least one purchase during each billing period. The has no late fees, and they have a nice rewards program.

However, there's a catch. Late payments can cause your interest rate to skyrocket - possibly up to 30%. In addition, chronic late-payers still get reported to the credit bureaus, so watch out.

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Credit Cards Without Late Fees?

How to Get Cash, Credit and Solve Holiday Money Problems

News sources are saying that the holiday shopping season for 2005 is not looking too pretty. High gas prices, rising heating bills, a plethora of natural disasters and a questionable year ahead for our economy aren't helping.

As many of us, you may find yourself in a situation where you don't have the cash and/or credit that you need for the upcoming holiday season, and this is no time to be depressed. It's a time to celebrate what we do have and spend valuable time with loved ones despite what's going on around us.

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How to Get a Lower Interest Rate & Pay Off Credit Cards

Debt in America is becoming a huge problem - and much of this has originated from credit cards. Although I run a credit card website, I will be the first to tell you that not everyone needs more credit cards.

In fact, unless you can use them to save you money - with rebates, cash back or rewards - or make you money - starting a business, borrowing at 0% apr to invest elsewhere short-term, or building your credit history for future endeavors, less credit cards are better.

So for those of us who want to consolidate, the good news is that there are companies out there who can help save you some money doing it. I've consolidated myself, and it's amazing how much money it can save you.

If you want to find out if debt consolidation is right for you, DMB Financial will give you a free online analysis, no obligation. Or you can call them, if you prefer.

To get out of debt in 26 months or less, click here >> Get a Lower Interest Rate & Pay Off Credit Cards

How to Lower Your Credit Card Interest Rate

Use this simple money-saving tactic to help you get a lower interest rate on your credit card or cards if you have several. I had a friend who actually used this technique to get a 0% interest rate for a few years. You can imagine the money he saved in credit card interest.

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Credit Insurance Protection - Is it Just Another Rip Off?

Debt Settlement Expert Charles J Phelan explains that credit protection insurance is a good example of a consumer rip-off that affects millions of people, yet gets little attention in the financial media. Simply stated, you should NEVER buy "credit protection insurance," or a "payment protection plan" or any other similar type of credit-related insurance.

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Small Business Credit Card Advantages

There are multiple advantages of having a credit card for your small business that is separate from your personal accounts. You can set credit cards up to save you both time and money - and they offer a great convenience at tax time as well.

Before you dive in, find out what exactly you get out of small business credit cards as a business owner

Click here to read full report >> Small Business Credit Card Advantages

How to Find a Home Loan with Bad Credit

Finding a home loan that is affordable when you have bed credit can seem nearly impossible and can be very frustrating. However, there are lenders out there who will approve your home loan regardless of your credit history.

Yes, there will be some fees and catches associated with this, but it is possible, says Financial Specialist Jay Moncliff

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What Financial Services do Credit Unions Offer?

Jay Moncliff, Financial Specialist, explains that if you’re looking for financial services, you may want to consider checking out what your credit union has to offer.

Many credit unions today offer more than just a checking and savings account, they’ve expanded into upgraded financial services tailored to meet many needs.

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Credit After Bankruptcy is Not Impossible

According to Jakob Jelling of CashBazar.com, if you are going to file for bankruptcy, it is true that you will not have very good credit after bankruptcy. However, this does not mean that you will never be able to get loans, and it certainly doesn't mean that you will never have a good credit history again.

While it is true that there will be a short period of time during which it will be exceptionally hard to get credit, it is not true that you will have to wait for an entire ten years to get credit after bankruptcy.

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