Credit Card Now

Unfortunately, bad credit cards are no longer the only type of credit scam out there. Even though they’re the most prominent, there are more and more people willing to take advantage of anyone in need. Part of this probably stems from our struggling economy — more people are struggling financially, and more people need credit. Part also comes from the fact that we’re an increasingly credit based society.

Regardless of the reasons, though, it’s important that you recognize the signs of bad credit cards and credit scams before you get sucked in.

Warning Signs of Credit Scams

Here are some warning signs that you’re falling victim to a credit scam.

-They advise you to use an EIN to get a new credit card. An EIN is a business’ version of a SSN, and it is completely illegal to use one unless you’re actually forming a business.

-They charge an upfront, non-refundable fee for your application.

Read more…

Tags: bad credit, Bad Credit Cards, Credit, Credit Cards

There’s a hot new offer out on the Starwood Preferred Guest American Express card, but it’s only good for the next week:

For a limited time only, get 30,000 Starpoints® after making just $1,000 in eligible purchases during the first 3 months of Cardmembership. This is our richest offer yet for the Card. The offer will only be available June 30 – July 6, 2010.

This offer is available on both the personal and business versions of the card. Previous Starwood Amex cardholders are not eligible.

Link (via FT)

Tags: Limited Time, Starpoints

Having to apply for a vehicle loan can become consuming and frustrating, especially if this is your first occasion. The most important thing you want to take into consideration is your interest payments. This can truly influence your repayments and it is critical to understand just how much you will actually wind up paying for your new car or truck.

The simplest means to estimate your repayments is by by means of one of the various online car interest calculator that are available.

The way to do this is to get all the information you need together first, essentially you need four items:

Loan amount
Loan term
Interest rate (APR)
Date the loan starts

Locate a decent on-line car interest calculator, similar to the one described at the last part of this article and pluck in your information.

Read more…

Tags: Interest, Interest Calculator

Nearly two years ago, I blogged on this site about some of the financial challenges I faced while on a two-week trip in Europe. Other than pay toilets and the large minimum amount required to use a credit card, an issue I frequently encountered in France was the lack of acceptance of American credit cards on the metro ticket machines.

Chip-and-PIN cards, which are popular in Europe, hold a very special place in Emily’s heart.

If you wanted to buy a bus, subway or train ticket from one of the automated machines, you had to use either euros or a chip-and-PIN credit card, which are standard in Europe. Read more…

The very concept of looking for the best cash back credit card is exciting in itself. After all, you can get your money back with every purchase and/or cash advance made on the credit card.

How Do Cash Back Credit Cards Work?

Each credit card company imposes its own set of rules in the cash back credit card, which is to be expected as it is a business. However, the basic idea across all issuers is the same – for each purchase made using the credit card, the rewards account accumulates until it reaches a specified threshold amount. At this time, you can cash out the corresponding cash rewards.

How Are the Cash Rewards Redeemed?

Each credit card issuer offers many options in redeeming the cash value. Y

Read more…

Tags: Back Credit, Back Credit Card, Card, Credit Card