Let Others Help Get You The Best Credit Card For You

There's so much talk these days, with the poor economy, about all of the dishonest fees, high interest rates, and other not so savory business practices related to the companies who issue credit cards.

How can you get out of that trap?

The best solution, of course, is to use credit responsibly. Another good thing to do is to compare credit cards and find the best one that works for you and your financial situation.

By clicking these links and visiting that site, you'll also see reviews about specific credit cards, like the CITI credit cards, written by others who have experiences -- good or bad -- with them, and what their strengths and weaknesses are.

By having that kind of information, you hopefully will be able to find a card that fits you best and you can avoid at least the worst of all of the bad credit card business practices.

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Prepaid Mastercard, An Alternative For The Recession

Slowly, over the past decade or so, our economy has become built on cashless, usually credit, purchasing. Now we find ourselves in a credit crunch -- and even people who had access to credit before for day-to-day buying are finding that credit drying up.

Debit cards are fine for many people -- but what about people without bank accounts at all?

A Prepaid Mastercard could be the answer. You can use it however and whenever a MasterCard would be used. Bad credit is OK.

Even if you have a bank account, using a regular debit card may leave you with insufficient funds if you forget about a pending transaction and then use a debit card to buy gas or whatever. With a Prepaid Debit Card or Prepaid Credit Card, however, you have the funds you need without touching your account further. It really helps you budget and avoid going over any bank limits. Just set a weekly "allowance" for yourself and load your card with that amount. No more worries.

Speaking of allowances, this card would also be great for kids, teenagers and even college kids whose parents worry about giving them a credit card -- only to find the child use the card unwisely and rack up too many charges. This card gives them a preset amount. When it's gone -- no going over, and no surprises for you.

Click on one of the links above to learn more and find out if this option is right for you and your family.

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Take Control Of Your Finances With A Low-Interest Credit Card

In these uncertain times, we all need to have better control of our personal finances, and a great place to start is with the credit cards we carry and use.

After all, the current economic downturn began with a credit crisis, so we all ought to make sure we are getting the best deals we can. We don't need to be sending away more of our money than we absolutely have to. One way to do that is with a low interest credit card.

Make sure the card you use has the lowest possible interest rate, and avoid paying fees -- especially late fees. Those are just a waste of money. Make sure you know all the terms and conditions of the credit cards you use. If you think you can get better terms, then shop around.

If you do find a better deal, then consider a Credit Card Balance Transfer to transfer your existing balances to a low- or even zero-interest credit card so you will pay off that balance even faster and get that debt off your shoulders.

You can start looking into your options by clicking one of the links above to find a credit card that best suits your needs and credit status.

And always remember to use credit responsibly.

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Help For Your Own Credit Crisis

The headlines and the news sometimes make it feel like the bad economy and the credit crisis is happening only to others. But for many of us, we are the ones "making the news," so to speak.

We are the ones facing layoffs, credit problems and mounting debt.

Maybe you aren't lucky to have a bailout of your own, but you can find help for your credit problems.

The process of freedom debt relief might be a way for you to help weather this financial storm, regain your footing and rest easier. The process involves a review of your financial situation, and can lead to resolving your debt and coming to a debt settlement. The benefit of debt consolidation brings you the ease of pulling all your bills into one payment that could take the form of a debt consolidation loan, credit counseling program or other solution to bring you relief.

Through this debt relief, you make lower payments, professionals work to cut your debt owed -- maybe even in half -- and you get out of debt faster and end your nightmare.

Click on the links above to learn more and see if this a good option to restore fiscal sanity for you and your family.

Remember, whenever you do get out debt, the goal is to stay that way, so always use credit responsibly.

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Consumer Reports Names 12 Best and 3 of the Worst Credit Cards

Consumer Reports analyzed hundreds of credit cards and named a dozen that are worthy of consumers' consideration -- and three to stay away from.

Among the best credit cards for low-rate/low-fee are: Capital One Platinum Prestige, Clear from American Express, and Iberiabank Visa Classic. The best cash-back cards included Capital One No Hassle Cash Rewards, Chase Freedom Visa, and Discover More. Among the best gas cards
were Chase PerfectCard MasterCard, Discover Open Road, and Hess Platinum Visa.

Three cards to avoid were First Premier Bank, HSBC American DreamCard and New Millennium Visa or MasterCard.

Although some consumers have avoided any direct effect from the storm clouds in the economy, the credit-card industry is changing in ways that could affect cardholders. Consumer Reports' experts advise consumers to do a credit card checkup to make sure their accounts haven't changed for the worse.

"Whether you have good credit or bad, you should check your account terms with your credit cards," says Greg Daugherty, executive editor, Consumer Reports. "Several card issuers have doubled or tripled interest rates for some customers in recent months, even though many were current on their bills and have good credit."

The full report is available in the redesigned October issue of Consumer Reports, on sale Sept. 2 on newsstands and online.

CR reports that consumers' credit card balances are up from $825 billion at the end of 2005 to $962 billion in May. At-risk borrowers are facing tightened credit lines and higher interest rates. Periods for teaser rates are becoming shorter, and balance-transfer fees are becoming standard
while fixed rates on cards are as high as ever.

All news is not bad news however, as variable interest rates have come down, which can help consumers who carry a balance. Those with excellent credit scores can earn lower rates, higher credit limits and good rewards, according to the report.

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Don't Get Caught In A Credit Trap

Particularly with the economy what it is, you want to make smart choices on your credit. Don't bite more than you can chew, for instance.

Certainly, it would help to be able to choose among various offers for credit cards to find the one that fits your circumstances and is least likely to get you into trouble.

CompareCards.com is a website that will allow you to browse a variety of offers from various card issuers for various types of cards -- whether you are searching for a low interest credit card, business credit cards or other types of credit.

You'll quickly find not all credit is the same. Visit this website and be smart about the credit you apply for and the credit that you use.

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Compare UK Credit Card Offers Side By Side

The Motley Fool's U.K. website is offering consumers looking for U.K. credit cards a new tool to find the right credit card for them.

This web page lines up many offers from leading credit card issuers with terms and conditions lined up side-by-side so that consumers can compare the offers, find the appropriate one for them and then apply for a credit card right from the site if they desire.

You may also search on the site for interest free credit cards.

The website also offers links to good information online, particularly for those new to credit card use. This should answer many questions and hopefully keep consumers out of trouble and encourage responsible credit card use. In fact, there is a link to "Pitfalls of Credit Card use" that everyone should read.

This post was brought to you by your friends at Fool.co.uk.

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Make Your Finances A New Year's Resolution

New Year's is a good time to consider the state of your finances and how to make them stronger. Some experts are saying a recession is coming which means you want to put your financial situation in the best circumstances possible.

For example, look for the Best Credit Cards you qualify for.

Look for an interest rate more advantageous than you currently enjoy -- that could really save you money each month.

If you find yourself with a lot of credit card debt already, look for a credit card with a low balance transfer rate. Balance your balances and then pay more of it off each month with zero or low interest. That may save you even more and get you off the revolving monthly credit payment merry-go-round sooner.

Please remember to always use credit responsibly.

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Get Back on Your Feet Financially

Maybe it was job loss. Perhaps you got caught in a sharply rising mortgage rate in the current subprime meltdown. Maybe it was because of a nasty divorce.

There are as many reasons of developing bad credit as there are people out there. No one wants bad credit. Sometimes it happens. And once it does, it may seem impossible to escape.

Maybe you think you have no options left, but let BadCreditOffers.com show you that you do have options open to you to return to fiscal health. Whether it's credit cards, a home loan, auto loan, or other offer, see what BadCreditOffers.com can do for you.

Don't just jump at any offer just because they extend it to you. Compare terms at BadCreditOffer.com and find the offer that works best for you.

Please remember to always use credit responsibly.

This post was brought to you by your friends at BadCreditOffers.com.

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Video: Credit Card Firms Tighten Rules

Credit card firms are cutting down on the amount of time people have interest-free credit. Anyone with a credit card should watch this informative video to know what's going on.

Watch our video now:

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End Credit Card Confusion

Do you just get too many credit card offers in the mail? Have no idea which ones are the Low APR Credit Cards?

Throw away all that junk mail and visit CreditCardSearchEngine.com instead. CreditCardSearchEngine.com will let you comparison shop credit card offers right online. Stack the offers right next to each other so you can see what you're getting -- and who offers the best deal.

CreditCardSearchEngine.com provides offers from Citi, Bank of America, Capital One -- and other major card providers for Visa, MasterCard, American Express and Discover Card.

You can browse by category to find the card offer right for you -- even student credit cards and cards for consumers with bad credit.

There's a credit card for just about anyone, and CreditCardSearchEngine.com helps you find it.

And remember, always use credit responsibly.

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Get Only The Best Credit Cards For You

If you're like many of us, you get perhaps even dozens of Credit Card Applications in your mailbox every month.

They've all got some different come on -- this one is cash back, that other one has a low introductory rate, and still another promises cheap balance transfers.

You get so many and they all sound good. But what about the fine print? And which one is really right for you anyway?

No more guessing. Visit CreditCardSearchEngine.com and compare all of the different offers and terms, side by side. "Compare, Decide and Apply." That's the CreditCardSearchEngine.com motto.

And these aren't credit cards from issuers you've never heard of on some Caribbean island. CreditCardSearchEngine features offers from leading U.S Credit Card issuers such as J.P. Morgan Chase, Bank of America, Citibank and leading brands Visa, MasterCard, American Express and Discover Card.

Credit card companies are picky about who they approve for their credit. Shouldn't you start being just as choosy about which cards you apply for and carry?

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When You Need a Debt Solution

Americans have accumulated record debt and credit cards have played a main role in that debt, since of nearly $2.4 trillion in U.S. consumer debt, $872 billion is essentially credit card debt. The average American household has more than $9,300 worth of credit card debt.

And the number and level of interest and fees you likely pay toward your cards has never been higher.

It can be crushing. It can take years --- maybe decades -- to pay off cards paying just the minimums.

CircleDebt offers a bad credit debt consolidation program that could help. It is specifically for individuals who have less-than-perfect credit and would like information on consolidating debt as a means of raising their credit scores and improving their financial situation.

CircleDebt may offer you to path back to financial stability and freedom from fiscal worry. Ridding yourself of this debt may be the most important thing you do to secure your and your family's future from years of living on the brink of financial disaster.

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Survey: 2 of 5 Identity Theft Victims Know Source of Crime

Two out of five identity theft victims surveyed by the Identity Theft Assistance Center (ITAC) know how their personal data was stolen, providing valuable insight about how identity theft occurs.

"This information is important because the more we know about the sources of identity theft the more successful we all will be in fighting this crime," says ITAC Executive Director Anne Wallace. "These documented cases provide real world perspective on identity theft."

ITAC surveyed 275 identity theft victims who used the ITAC's free service over a one-month period. Of the 275 cases, 160 consumers (58%) did not know the source of their identity theft. Another 115 consumers (42%) did know how their information was compromised. The 115 consumers attributed their identity theft to the following sources:

-- Friends, relatives, in-home employees 26 cases 22.61%
-- Computer hacker/virus/phishing 25 cases 21.74%
-- Mail (stolen or fraudulent address change) 24 cases 20.87%
-- Lost/stolen wallet, checkbook or credit card 15 cases 13.04%
-- Corrupt business or employee 12 cases 10.43%
-- Data breach 8 cases 6.96%
-- House burglarized 4 cases 3.48%
-- Instant credit 1 case 0.87%

Getting accurate information about the sources of identity theft is difficult because identity theft -- the opening of a fraudulent new account or account takeover -- is often confused with other types of fraud, like the unauthorized use of a credit card, accoding to ITAC.

ITAC says it is in a unique position to gatherdata about identity theft because it deals in verified cases of identity theft. The companies that belong to ITAC refer customers to ITAC once thefraud is resolved at the member company. ITAC then helps the customer identify other fraudulent accounts and assists in restoring their financial identity.


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