Postingan

shapes

All credit cards come in many shapes, colors and sizes. They come in different types and brands with their own list of great deals to offer. UK credit cards are not different from these. When you apply for a UK credit card online, there are three easy steps you can follow. First, you can search through the list of UK credit cards you might find while surfing the net. Then, you can compare the rates and the fees of these UK credit cards side by side and prepare for the process of elimination. After you have weighed the pros and cons and the advantage and disadvantages of your top choices, you can now make the final decision, which among the UK credit cards offered would best suit your needs. Then, you may proceed with your UK credit card application by filling out the form online.  Things you should know before getting UK credit cards  Indeed, "plastic" has tremendously redefined the way people spend their money. In the US alone, more and more Americans are using credit cards

interest

Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers inóto help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card? Basically, APR is the cost of credit as a yearly interest rate. APR stands for ìAnnual Percentage Rateî of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement.  Although the arrangements and terms may vary from

processing

Are you ready to swipe your credit card for the very first time? Really? Or are you already on your way to your second credit card? By the way, do you know it takes ages for you to get your credit card processed?   Well, for starters letís look into the credit card processing stage of your application and why does it take you ages to have that other card.  The first thing that your bank looks into in the stage of credit card processing is the account that you have in other credit card companies. Normally this part of the credit card processing stageóthis is where people in banks get down and dirties with their records and other companiesí records. This would also include how long was the credit card processing stage when you applied for your other cards. This usually means that your bank is trying to find out how much your worth really is. This is the part where they categorize you in subgroups. This also usually means that itís either youíre a good payer or they would have a have time

matter

If youíre a person who carries a balance, credit card offer might be the least thing on your mind right now. Credit card offer, no matter how enticing and convenient it might seem, may be the most expensive loans made by banks, department stores, and gasoline companies for you. Sometimes, no matter how hard you try not to give in to the temptation the credit card offers, material cravings can sometimes be more powerful than the will of the mind. No matter how hard you try to resist the convenience and leisure the credit cards offer, you cannot help but to indulge. And the moment the credit card issuer offers you a card you can hardly wait for t to be approved and to use it to pay for items and services you fancy.  To avoid going beyond your credit limit, by now, you should know when to resist and indulge into the convenience the credit cards offer. Knowing how much the service provider or the store merchant collects from what you owe to your card issuer, you shouldnít allow yourself sp

spoils

Technology spoils peopleís whims. It tends to cater to every humanís caprices. It feeds on the peopleís undying thirst for easy, instant, and convenient. More often than not, it also causes them a lot of troubleófinancial trouble through credit card debtóthat is.  We often see people pull out ìplasticî to pay for everything they need. Why not? When all it takes is a quick swipe of the card through a little electronic box and a signature then, everythingís okay. You go home happy, content, and almost worry-free. On the other hand, not every one of these people realize that the convenience of using credit cards can lead to a false feeling of financial security. And this realization will strike them as soon as the bills arrive.  In fact, studies show that credit card debt and personal bankruptcies have increases bank profits to the highest level in the last five years. It only shows that more and more credit card holders were unable to manage their finances that lead to credit card debt.

term

ìPlastic moneyî is a term dubbed by the people of the world in reference to the wondrous item called the ìcredit card.î And at the rate the economy is going and with the pace of life that we have right now we want everything done the express way. Thatís why a lot of businessmen, young professionals, big bankers and even well-off students are lining up inside their trusted banks, credit card application in one hand and the need to have instant credit on the other.  Of credit, cards and credit card application  Credit card applications have taken over the need to have cold cash and a lot of people are trading in their hard-earned green bucks for a shot of having the charge-it-card. But along with your credit card application is the responsibility that we are mainly unaware of. So when you are thinking about falling in line to get started with your credit card account and before you start filling up the fields necessary to get up and running with your credit card application know all the

emergence

The emergence of electronic age made almost everything possible to people. Determining and curing terminal diseases made convenient, reaching uncharted territories became a possibility, and most of all; everyday life of people is made easy by the technology. We now have more convenient stores, easier means of transportation and a variety of gadgets that makes work and pleasure almost effortless.  When it comes to finances, technologyóthrough efficient banking system and servicesóhas given people better alternatives and options how to manage their finances. Among the so many financial management schemes that emerged, one alternative stands out among the restóthe credit card. Credit card, especially to working people and those who live very busy lives, has become an ultimate financial ìsavior.î More than just being a status symbol or an add-on to expensive purses and wallets, credit card has revolutionized the way people spend their money.  But, more than the glamour and the convenience