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.

Click here >> How to Get Cash, Credit and Solve Holiday Money Problems

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

Coffee Lovers: Get Low APR & Free Coffee

I work from home, and every once in a while it's nice to have an excuse to get out of the home office for a short break, some fresh air and meet new people in a casual setting.

What better way to do that than with a coffee card that earns me free coffee. And Starbucks, no less, you just can't get away from those places - they're on every corner. If you don't have one right next door to you, you must live on Mars.

Click here >> Get Low APR and Free Coffee

$10,000 to $150,000 Business & Personal Loans

Get money to start a business or for personal expenses. Traditionally, this has been a challenge for most people, but you'd be surprised how easy it can be with AmericaOneUnsecured.

That's right - these are actually unsecured loans - you don't need collateral or business equity. You also don't need a business license and in most instances, no financial documentation. This is a favorite for start-up businesses trying to get financing for an unproven - yet profitable business idea.

AmericaOneUnsecured offers an easy no-fee application process, where you can be approved in less than 3 days. And on top of all these benefits, you can get a low interest rate - as low as 8.99%.

Click here to apply now for free >> $10,000 to $150,000 Business & Personal Loans