Credit Card Guide
Welcome to our credit card guide section! We understand that not evryone who visits our site looking for a credit card is the same, hence the reason for this section. We discuss what type of credit card would suit you, how to choose the next credit card, what are platinum, gold and silver credit cards and more importantly what they actually offer.
Read on, there are plently of goodies packed in here!
Credit Card Choices - Which Card Is Best For You?
- How To Compare Credit Cards
With so many credit card providers now offering potential customers the option of a card, knowing how to compare credit cards is somewhat of an art-form.
- How To Choose The Right Credit Card For You
Today credit cards are an essential part of our lives. But, there just seems to be so many companies willing to give us a credit card. So, how can you choose the right credit card for you?
- How Do I Apply For A Credit Card?
Although they can be painful at times, life today without the ease of a credit card is no longer a reality. So, if you think you want a credit card, here are some essential factors you’ll need to consider when applying for a credit card
- The Different Types Of Consumer Credit Cards
With so many different types of consumer credit cards available today it can sometimes be slightly overbearing determining which type of card you want or need. The following is a brief guide on the different types of consumer credit cards available today
- Cash Back Vs. Rewards Credit Cards
A very common question you hear asked these days is which is the better, cash back or rewards credit cards loyalty schemes. The following is a brief explanation of the cash back vs. rewards credit cards loyalty schemes argument.
Safe Credit Card Usage
- 5 Basic Credit Card Safety Tips
Ultimately keeping you credit card safe is you responsibility. Indeed, in a worst case scenario, if it can be proven you may have been negligent in keeping your credit card safe, you may find yourself liable for the cost of all transactions made fraudulent on your account should you lose the card.
- Credit Card Fraud Prevention
Globally credit card fraud costs card issuers billions of dollars a year in fraudulent use of their cards. Some of this loss is passed back to retailers who failed to comply with the normal processing method for the card.
- The Rise Of Credit Card Identity Theft
Personal identity theft is a huge runaway business made even easier with advances in computer technology. So far as credit cards are concerned, personal identity theft is now costing card issuer billions of dollars a year
- Chip and PIN Information
For all their fancy artwork and logos the basics of credit cards have not changed that much since their conception by Dinner’s Club in the 1960s... With Chip and PIN information that is all about to change.
Money Saving/Making Tips
- How To Save Money Using A Credit Card
If you are a conscious and energetic saver, then you have most probably been told that credit cards are bad and evil things that you need to stay well away from! However, used the right way, a credit card can be a great way to save money! So, how can you save money by using a credit card?
- Make Money With Credit Cards – Balance Transfers
It’s hard to imagine that you earn money with a credit card if you manage your debt management correctly, but ever since Egg got the jump on its competitors with the 0% Egg Card on Christmas Day in 2000, you can actually make money with credit cards – balance transfers is how you do it!
- How To Make Sure You’re Paying The Lowest Interest Rate on Your Credit Card
Making sure that you pay the lowest rate of interest chargeable on your credit card usage is vital if you want to maintain an effective money management scheme
- Switching Credit Cards
You may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have!
Credit Card Charges / Hidden Costs
- Minimum Payment on Credit Cards – Bad Idea?
Are you quite happy paying off the minimum amount every month on your credit card bill? You may be unaware of the actual amount you are paying off towards your debt. Most off your payment will go towards the interest owed leaving your debt and further interest charges to accumulate further.
- Using Your Credit Card For Foreign Purchases
One of the major advertised benefits of applying for and having a credit card is the fact that they are accepted at millions of outlets all round the world. But, are there any major issues you need to be considering when using your credit for foreign purchases?
- Credit Card Insurance
Most major credit card issuers now offer their members a variety of different free insurance programs. It is highly recommended that you review the insurance terms of your credit card agreement as in certain circumstances the credit card insurance offered by your card issuer may cover situation beyond those you may originally have thought.
Credit Report/Score/Building Techniques
- How To Build Your Credit Card Credit History
Throughout your life you’re the history of you credit repayment will follow you. Ensuring, therefore, that you have a good prior history of borrowing money is vital. Insofar as credit cards are concerned, the following is a brief guide to how to build your credit card credit history
- Adverse Credit Credit Cards
As their very name suggests, adverse credit credit cards are an option available to those who have a bad credit history and, thus, credit rating.
- 5 Credit Building Tactics
If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help.
Credit Card Debt
- Dealing With Credit Card Debt
Left unchecked, one of the worst feelings in the world is opening a credit card statement that you know you have no chance of making the minimum repayment, let alone paying off the entire balance
Credit Card Types
- Fixed Rate Vs. Variable Rate Credit Cards
Although it is mostly industry practice to charge a variable rate of interest on outstanding credit balances at a certain percentage rate above Prime Lending Rate, it is possible, these days, to obtain a fixed rate credit card. So, when would you want to apply for a fixed rate credit card over a variable rate credit card?
- Silver, Gold and Platinum Credit Cards
Aside from all being precious metals; silver, gold and platinum also signify the difference between the various strata of credit cards available to cardholders. So, what’s the difference between you having silver, gold and platinum credit cards?
- Silver Credit Cards
The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as ‘standard’ or ‘basic’ credit cards.
General Credit Card Related Topics
- 10 Common Credit Card Mistakes
If you ever think that you handle your credit cards perfectly read this article, you may still have some room for improvement!
- What Are Supplemental Credit Cardholders?
Have you ever been faced with the worry that your son or daughter is off to college and you want to give them access to emergency cash without having to give them the actual cash – which they’ll likely spend beforehand – but knowing by the time you wire the money to them the emergency may well be over? If so, you may well want to know what supplemental credit cardholders are!
- What Does a ‘Universal Default Penalty’ Clause Mean On My Credit Card?
the credit card provider counters that they have invoked the Universal Default Penalty Clause under your agreement with them. Bewildered you wonder what on earth a Universal Default Penalty clause could mean. And the answer is...
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