Credit Card Now

While the number and quality of balance transfer offers has been increasing lately, it has been a while since there’s been a notable lifetime balance transfer deal. For a limited time, the PenFed Promise Card offers a promotional balance transfer deal of 4.99% APR for the life of the balance on transfers made now through March 31, 2011 with no balance transfer fees.

The standard benefits of the card include:

• No annual fee
• No late fees or other penalty fees
• No foreign transaction fees
• No fees to do a balance transfer or cash advance

It also features low everyday purchase and balance transfer APRs. For more information or to apply, see this .

Tags: Balance Transfer, Life

You have amazing credit. Your Valentines’s credit stinks.

It’s a common occurrence these days, but did you know it’s one that you can easily do something about?

Forget about the overpriced stuffed animals, waxy chocolate, and expensive dinners this Valentine’s day, and give your partner something that will really change his/her future forever. Lend your excellent credit score! Here’s how:

Piggybacking, a technique that allows those with good credit to boost other’s credit scores by adding them as an authorized user, stills works. If you haven’t heard the term before, it’s nothing new.  In fact, parents have used the method for a long time to help their children build good credit.  Unfortunately, in recent years piggybacking has received a lot of bad press as some companies started taking advantage of the system and connecting bad-credit consumers with good-credit consumers for a fee. As you can imagin

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Tags: Day, Valentine’s Day

View imageToday, I turn 26 years old. At age 25 and under, I feel like it’s easy to still consider yourself a young adult, or even a kid. Now that I’m above 25, I feel like I’m truly in adult-land. That’s probably a good thing, considering I’m now on a budget and getting married next month.

Looking back, I’ve learned a lot this past year. The budget initiative was a huge step and has made me feel much more like a grown-up. Thanks to my responsible future husband, I now save my receipts and enter my expenses, purchases and credit card payments into a spreadsheet. It’s hard, and there are still days when I forget to do that at the end of the day, but I try my best to be on top of it.

Starting last May, I began the grueling task of planning my wedding — another experience with budgeting. Read more…

Hackers break into computers or computer networks for a variety of reasons. Some do it illegally for profit, some are paid to do it legally, and others simply do it for the challenge. Credit card hackers, however, do their dirty deed with only one thing in mind—stealing your credit card information to make money.

Ever heard of Lush, the handmade cosmetic company that sells all sorts of interesting bath and shower products? Their UK website was recently hacked and may have exposed the credit card information of every customer that purchased a product online between October 2010 and January 2011.

Once customers started posting on Lush’s Facebook page that their stolen credit cards had been used to make unauthorized purchases, the company eventually decided to shut down the entire UK site and issue an email on January 21st notifying everyone that was potentially exposed to the breach. Of

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Tags: Credit Card, Hackers

Welcome to the 295th edition of the Carnival of Personal Finance, a weekly roundup of the best personal finance blog posts on the Web.

This week’s theme is the seven deadly sins of personal finance. From lusting after unnecessary expenses to slothfully letting debt grow, we’re all a little guilty of financial transgressions from time to time.

Throughout this carnival, we will explore the seven sins of lust, wrath, pride, envy, gluttony, greed and sloth. Enjoy!

Editor’s Picks:

• Free Money Finance shows how easy it is to make $1 million, but goes on to explain why most of us never get around to making it happen.
• Credit Card Forum brings up a topic I haven’t heard much about: whether you can get a credit card without a Social Security number.
• As someone who is getting married in less than two months, this is one that really interested me.

Read more…

Tags: Edition, Personal Finance