Q & A – Peter asks: How do you get a credit card with bad credit?
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If you are suffering from credit card debt, you’re not alone. Credit card debt is growing at an alarming rate, as more and more people find their balances getting larger and larger. But you really can achieve significant debt reduction by following some very simple strategies.
The problem, of course, with credit card debt is that interest can accumulate rapidly. This can result in larger monthly bills, which can lead to late payments, which in turn can result in even higher interest rates.
This spiral can quickly get out of control. The key to achieving credit card debt reduction is to break this spiral and begin to pay down your debt. The following are three ways to do just that.
1. Never Pay a Credit Card Late Fee
Late fees have been increasing by leaps and bounds lately, and grace periods having been getting shorter and shorter. Make sure you always pay at least your minimum payment on time. If you are absolutely unable to pay even that, then call your credit card bank and alert them. You might be able to buy yourself some time.
If you are late with even a single payment by as little as a day, there is a very good chance the bank will raise your interest rate, often by 50% or even more. Over time, this can can add up to charges far more significant than the 30 or 40 dollar late fee.
If you do miss a payment, then make sure and call your bank as soon as possible afterwards. Many banks will waive the fee if you asks them to, especially if you have a valid excuse (like you were ill or out of town). But in any case, get them to waive the fee, for this will most likely spare you from having your interest date raised and possibly save you hundreds of dollars or more.
2. Get Your Credit Card Interest Rate Lowered
If your credit card interest rate is too high, call your bank and ask them to lower it. Odds are, you could find a lower rate elsewhere, and your bank knows this. So call their bluff. Tell them you can get or have been offered a lower rate, and ask them to match that rate. If they refuse, all you have lost is a phone call. But if your request is reasonable (don’t ask them to drop your rate to %5), there is a very good chance they will lower your rate.
3. Get a New Credit Card
If your bank refuses to lower your rate, simply search for a lower rate card and transfer your balance. There are plenty of banks out there eager to accept balance transfers. Furthermore, even if you have made some late payments, thus causing your rates to rise, the odds are your credit rating hasn’t been affected. Banks usually alert credit bureaus when payments are significantly late (by like 30-60 days). If your credit rating remains unscathed, there should be nothing stopping you from finding a card with a lower rate and saving lots of money in the process.
If you utilize one or all of these methods, make sure you use any money you save to pay down the balance on your cards. Pay off as much of your balance as you can, and in no time, you will be free from the burden of credit card debt.
The question what is the best prepaid card is answered by firmly taking a couple of key points under consideration. Here we look for to find the response to that question, and take a look at the usage of prepaid cards as a whole.
The very first thing to-do is to examine what precisely a prepaid charge card is. With one of these cards use of your message credit can be deceptive, whilst the cards try not to provide the individual a line of credit in the way that a normal charge card does. These cards just have all of the same functional utilizes as credit cards, and that’s why the term credit might be incorporated.
Prepaid cards work by the cardholder adding funds to your account, creating a positive stability. This is certainly known as topping up-and can be carried out by methods such as for instance Direct Deposit, transfer from a bank account, or at a designated shopping location such as for instance a branch of west Union.
after the cash has-been included, the card may then be properly used in much the same way as credit cards. This includes purchasing products at retail outlets, having to pay utility bills online as well as for ATM money withdrawals. Most of these businesses tend to be susceptible to the consumer having adequate stability; otherwise the exchange are going to be declined.
Whenever searching for the most effective prepaid card its worth noting that prepaid cards may come in both MasterCard and Visa alternatives, so if your favourite merchant only accepts these ways of repayment, then you may want to take this under consideration. This, but is uncommon, and most companies accept both kinds.
With no credit being offered the customer cannot enter into debt because of the card. This will make top prepaid bank cards ideal for young adults who will be trying to establish good monetary practices, plus those individuals who have bad credit ratings and cannot get acknowledged for an everyday bank card. Prepaid cards usually do not need an initial credit check, so any legal citizen of the United States Of America may be acknowledged for one.
Prepaid cards are given by an ever-increasing number of banks and credit organizations. The key manner in which their products or services vary from eachother is the kinds and amount of charges and charges created for utilizing various card solutions. These could differ widely from card to card, which is smart to execute a comparison before making any online applications.
Some samples of fees and fees tend to be: one off account setup costs, continuous month-to-month maintenance charges, annual consumption costs, ATM cash withdrawal fees, PIN quantity deal fees and various various other smaller costs for things such as for example examining balance at an ATM.
Each one of these charges and fees must be placed in the cardholder arrangement, which can usually be located on the internet site of the business that offers the prepaid credit card in question. By studying the fine print and comparing the distinctions from card to card, it is possible to discover which is the most useful prepaid credit card on the market is really.
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If you have a lot of credit card debt that is piling up, you may want to consider unsecured credit card debt consolidation. When you choose this option, you will be consolidating all of your debt into one bill instead of many bills.
But this type of debt consolidation is not just convenient — it can actually end up saving you money. When you decide upon debt consolidation, you are usually struggling to make the payments on all of your credit cards. You may even find that making the minimum payment is too difficult and that you continue to fall behind in debt.
What Does a Debt Consolidation Do?
A debt consolidation company will access your financial situation and contact all of your credit card companies. They will explain to them that you have placed your credit in their hands and negotiate a lower interest rate for you. They may even be able to negotiate away late fees. Most credit card companies will cut their minimum payment when they hear that you are with a debt consolidation company.
The debt consolidation company will then have you pay them a monthly fee that covers all of your debt. They, in turn, will make the payments to the credit card companies.
How Does Debt Consolidation Affect My Credit?
Debt consolidation will affect your credit adversely, but not as badly as a Chapter 7 bankruptcy. The credit cards that you consolidate will be cancelled. Many companies will advise that you keep one credit card out for emergencies. When the debt is consolidated, the credit card company will cancel your card so that you cannot charge any more money. That is the price you pay for getting the lower monthly payment and interest.
What Else Does a Debt Consolidation Company Do?
Most debt consolidation companies will also offer you credit counseling. Their goal is to get you debt free. Your monthly payment must be paid on time and is usually taken directly from a savings or checking account. They will not accept a personal check for payment. You may also pay them with a cashier’s check or postal money order.
Is Debt Consolidation Free?
There is usually a donation charge for debt consolidation, although some states are clamping down on this practice. This is usually advertised as a free service, but often, the company will include a “donation fee” in with the monthly payment. Many consumers do not mind this as their monthly payment is still lower than what they were paying before and they feel that they are making headway with their debt.
An unsecured credit card debt consolidation is similar to filing a Chapter 13 bankruptcy, but without the big hit to your credit rating, and you do not need an attorney.
DebtGuru.com (http://www.debtguru.com/unsecured-credit-card-debt-consolidation.htm) offers you free information on unsecured credit card debt consolidation and can point you in the right direction to get your debt management back on track.
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You must have heard people say – ‘I got a good credit card deal’. So if you happen to be looking for a credit card at that moment, do you just go with what your friend has told you as a good credit card deal?
Let’s check what one can term as a good credit card deal. A credit card deal is good if it works for you. So, if the credit card fits into your lifestyle in a way that rakes in maximum benefits for you, that is a good credit card deal. The most important thing to realize here is the word ‘your’ as in ‘your lifestyle’. So logically speaking there is nothing like a good credit card deal.
What it is – is good credit card deal for ‘you’ i.e. the individual who is going to use that credit card. This is because the lifestyle and the needs differ from person to person (and that is precisely the reason why every credit card supplier offers so many different kinds of credit cards). It might be true in some cases (where the lifestyle of two individuals/friends is similar) that the credit card deal which is good for one be good for the other too, however, this is just in a few cases.
You can always check with your friend who has recently got a credit card deal, since that might cut down the time needed for researching/hunting-for a good credit card deal. However, it’s really a matter of evaluating your own needs. If you travel a lot and to far off places by air, a card that offers you good rewards/rebates/benefits on travel would comprise a good credit card deal. Sometimes the airlines themselves have their own credit card issuing/supplying company from where you can get a good credit card deal.
For people shopping at a particular retail store or a shop, a good credit card deal would be a card that offers discounts, rebates and rewards on shopping. Again, the retail stores themselves might have credit cards on offer that could be beneficial to you. Then there are credit card deals that are linked to gasoline stores or big grocery chains. If you don’t have any specific needs, you might use a general purpose credit card that gives reward points on every purchase you make on your credit card. These points can then be redeemed for cash/rewards. Hence, this card could become a good credit card deal for you.
Good, for credit card deals, is really a relative term and there is no credit card deal which is equally good for all.
Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs
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More than half of all Americans don’t know their credit score. Here’s why that’s a problem: Your credit score is used by a host of people — from your bank to your landlord — to judge whether you should be allowed something you want, like, say, a credit card. So the worse your credit score is, the less likely you are to get these things.
-A good auto loan
-A higher credit limit
-A lower credit card rate
-A job — that’s right, employers see your credit score.
-A girlfriend. Yep, a study actually found women care more about a good credit score than physical attraction in a partner.
So, yeah. Your credit score is important. Today, we’re going to show you five tips to raise your score by 100 points — fast. Check it out.
Full article: http://www.gobankingrates.com/personal-finance/video5-quick-ways-raise-credit-score/