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Learn about credit, credit cards, saving money, debt help and more.
If you're new here, you may want to subscribe to our RSS feed. Thanks for visiting! Enough has been written for people with bad credit. What about those of you who have excellent credit and always pay your bills on time? Are you being rewarded for having a good credit score (a credit beacon score above 700)? Well, if you’re not, it’s your own fault because now is your chance to take advantage of the many outstanding offers available for a low interest rate credit card. A credit card for a good credit beacon also offers great reward programs. At MyCreditCard.com, you will find many credit cards that offer either a low fixed rate APR (Annual Percentage Rate) or a low introductory APR.
There is a huge disparity in the interest rate that credit cards will charge you, depending on your … continue reading.
The IRS accepts American Express, MasterCard, Discover, and Visa. Make sure, however, you understand that you will be charged a convenience fee to pay your federal income tax with a credit card. To counter this fee, use one of the best reward credit cards we offer on the site to get extra rewards or even cash back for paying your income taxes with your card.
The convenience fee will be announced during a phone call to one of the service providers. You have the option of discontinuing at this time. At the end of the phone call, you will be given a confirmation number which is entered in the upper left corner of page 1 of Form 1040. Best of all, when you charge to … continue reading.
When your child goes off to college, many financial decisions must be made, but one consideration that is frequently forgotten is applying for student credit cards. The topic of selecting the best student credit card for your college bound child is one that is often overlooked – and many parents wonder if they should co-sign on a credit card to ease the budget burden for housing, food and spending allowances, tuition, and books.
Obtaining the best student credit card for a college student, who is now considered an adult, can be very beneficial in building up the student’s credit score. In most cases, banks will issue a card to a student who is under the age of 18 only if the parent co-signs on the … continue reading.
Tired of paying high interest rates on a credit card and unable to qualify for a regular credit card, many people are turning to pre-paid debit cards. Most pre-paid credit cards have the MasterCard or VISA logo on the card, so they look and feel like a regular credit card. The only difference is that no credit is actually issued. The user simply pays money into an account, which typically earns interest, and the prepaid card draws against this balance. They are very easy to qualify for (no income limitations or credit checks are usually required), and the benefits are great.
Most Pre-paid Debit Cards Have Universal Acceptance
Use your card at department stores, gas stations, grocery stores, restaurants, and even places where cash can’t go, … continue reading.
Does it make sense for a business owner to use small business credit cards? You bet it does! There are numerous advantages to paying virtually all business expenses with a credit card. Let’s examine a few of these advantages.
Better Terms
Sometimes in business, you have to spend money to make money, and this can mean putting up cash on the front-end before you see any returns. Your options are limited — you can pay the money now in cash, pay with a credit card, or, if available, choose a net 30 term of payment.
Most small business credit cards offer a better interest rate and have fewer annual fee charges than individual cards. Credit card companies typically see a more reliable payment history for businesses than … continue reading.
Today, it is imperative that we carry a credit card. The first filter in shopping for great credit card deals is searching for no annual fee credit cards. This means that the credit card provider does not charge an additional annual user fee simply for the privilege of using the card. In my opinion, this fee is a rip off, and the credit card banks make plenty of money without charging such a fee. So many transactions are much easier to be paid by credit card, e.g. Internet, catalogues, telephone, etc. So, it becomes important that you shop for great credit card deals that are available, and believe me, they vary greatly. Be careful because some no annual fee credit cards will charge a … continue reading.
These days, credit card companies are competing fiercely for your business. This has created a glut of different types of reward credit cards. The following credit card tips are provided to help you sort through the many options. Some reward credit cards give you an option of cashing in your reward points for various reward categories they offer. Some only allow you to apply towards one type of reward. So, what do all these rewards mean and what’s the best way to use these rewards? Hopefully, these credit card tips will answer these questions.
MyCreditCard.com Reward Credit Card Tips:
Read the fine print. It’s important to read the credit cards reward program details carefully. Some sound really good at first glance but have very strict limits … continue reading.
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