Many things warrant our attention in student life. Worrying about the credit card interest rate is the last thing on a student’s agenda. 0% intro APR credit cards can help a studen avoid any such thing to bother his studies and life. A 0% intro APR credit card has a particular advantage that it doesn’t charge any interest rate on credit card outstanding balances for the 0 APR period. This period can vary between 3, 6, 12, or 15 months, depending on individual credit card offer. Students should not miss such offers as they provide a lot in savings and reducing the repayment burden. We look at 3 particulary interesting 0% Intro APR credit cards offer in this article.

1. Discover® Student Clear Card

Coming straight from the major credit card issuer Discover, the Discover® Student Clear Card, comes with no annual fee, 0$ fraud liablility guarantee with the 0% Intro APR* on purchases for 6 months. The Discover® Student Clear Card offers easiest online account management options which save a student lot of time in managing their credit card account details.

2. Universal Entertainment Student MasterCard®

This credit card issued by Chase comes with a 0% Introductory APR for up to 6 months. This credit card has a good reward program which offers 1 point for every dollar spent and comes with No annual fees. Keeping in mind the entertainment needs of students the Universal Entertainment Student MasterCard® offers two movie tickets after the first purchase and double points on select Universal Studios Theme Park purchases. It also gives the students option to recieve opening Weekend Tickets to Universal Movies and Discounts on Universal Studios Theme Park tickets and merchandise.
Continue reading this post…

Credit card companies are real businesses and they are here to make profitsfrom us. The traps and tricks they use to make profits are buried in fine prints.Thriving on a persons inability to repay his monthly balances on time, creditcard companies fill up their coffers. Staying informed and using the creditcard wisely is the only option that will help a credit card holder survive thisonslaught. In this article we look at few things credit card companies use toget money out of your pocket.

Cash Withdrawal

Cash withdrawal by using credit cards attracts huge APR’s and a cash withdrawalfee. The APR’s can go up wards of 22% and can jeopardise your financial situation.Not just cash withdrawal from ATM’s, if you play poker online and fund yourgambling payments with your credit card, get ready for a surprise, you willbe charged an cash withdrawal apr- shocking! Isn’t it? Credit card companiessend you leaves of checks to ‘facilitiate’ easy cash withdrawal. Use them andyou are heading for a good high APR for cash advances. The message is clear-keep a check on using credit cards for cash advances.
Continue reading this post…

We all get all credit card offers from junk mail, and everyone knows how they work. Even though many credit card offers always say your pre approved, you still have to wait till forever to hear the results. These days are gone as the internet has made this a lot easier. Using the internet you can get your response in minutes instead of months.

If you have good credit then you will no problems at all getting your credit approved online. Those cards that have the best deals are always available for those people with good credit. So before you apply online, you should already know how good your credit is. You can always get a free credit report over the internet, and check your credit yourself. If you do this at least twice every year you will keep up with all your credit stuff.

If you don’t know what your credit score is or haven’t looked at what it is in a long time, now would be the right time to go ahead and do so. Observe your credit report, and fix anything you can to make it better. Always keep in hand that if you are turned down online it can affect your credit score as well, and play a major place in future credit opportunities.

Once you have looked over your credit report and seen what your credit actually is, you can apply online for a quick response. No matter which credit card company you look at online, they will all ask you for your personal information, name, social security, age, address etc.
Continue reading this post…

I am sick and tired of being in debt up to my eyeballs and want to gain control over my life. This is why I have set a goal to be debt free by April 2009.

Paying off $72,900 worth of debt is not going to be an easy task, my husband makes a very small salary already and I am a stay-at home mother of three children.

On top of that, my husband is losing his job in July 2007 after being diagnosed with severe epilepsy, which cannot be controlled by medication.

We also have our fourth baby due to be born that same month. However, in spite of how hard it will be to meet our debt free goal, we are determined and motivated to make it happen.

My debt payoff plan is to make money online through legitimate work at home programs. I have found a few great ones so far and have been able to start a small income, which I plan to increase over the next several months.

It takes a lot of work to be successful at making money online, I am putting in a lot of hours because we are in a sink or swim position in our lives right now.
Continue reading this post…

What can a business credit card do for your business? If perplexed by this question…read on. This could be the most vital financial tool your business will ever need. The following reasons will convince any small business owner beyond doubt about this fact.

1. Build a positive credit history for your business

Business credit card issuers report to major credit bureaus, and if you are good in repayments and manage credit card funds properly- your business establishes a good credit history. This translates into larger loans, overdrafts, and better financial terms in the future.

2. Saves money on your business expenses

Business credit cards have exclusive tie-ups with hotels, airlines, cargo and courier agencies, office equipment suppliers, legal service providers etc. This ensures a lot of savings on your business spending since almost all business depend on these vital services.

3. Cuts risk, improves financial reporting and financial discipline within your business

Lost luggage insurance, travel insurance, identity theft protection, auto theft protection are some of the facilities that come with a business credit card. This cuts a lot of travel and business risk. In addition to this every business credit card can be assigned a spending limit and it can be monitored. This ensures proper budgeting and promotes financial discipline. Online account management and reporting of transactions done with business credit cards and their integration with popular money management software makes financial reporting a breeze.

Continue reading this post…