Tired of paying interest on your credit cards?
The Household and Orchard Bank cards from HSBC have returned!
If your credit is a little beat-up, then these unsecured cards are for you. They even have an introductory 0% APR for 6 months on purchases and balance transfers!
Check these cards out at http://www.zeropercentcards.com/29/credit-cards/orchard-bank/
Do you have good to excellent credit? If so, then check out the credit products at http://www.zeropercentcards.com
Are there any credit cards still available with no balance transfer fee? It seems that most credit cards are charging a 3% balance transfer fee with no maximum fee, which can result in a high charge to transfer big balances.
Fortunately, there are still a few cards out there with zero balance transfer fee. The Discover® More® Card – No Balance Transfer Fee*, and Iberia Bank credit cards are still fee-free. Check them out at http://www.zeropercentcards.com/31/credit-cards/no-balance-transfer-fee/ or log onto zeropercentcards.com
The rewards of raising your FICO score directly impact your wallet: You will qualify for more loans and will be offered better interest rates. Here are a few things you can do to raise your FICO score, which in turn, saves you money on your interest rates on loans:
Correct blatant mistakes. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Report any inaccuracies to the credit bureaus so that they may be corrected or removed. Changing a mistake on your report takes time. Get your federally mandated, free credit report at AnnualCreditReport.com and start the process on removing any inaccurate data.
Pay your bills on time. This makes up a whopping 35% of how your FICO score is calculated.
Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit.
Raise your credit limit. A large portion of your credit score is determined by calculating how big your monthly bill is compared to the maximum amount of credit you can use. To make this debt-to-credit-limit ratio look even better, call up your credit card issuer and ask for the limit on your card to be increased. If you have been paying your bills on time, they will gladly do this for you.
Do you need a new 0% interest credit card? If so, then go to ZeroPercentCards.com!
This blog entry plays on a similar strategy to a previous entry, where it is noted that you should never close your unused credit card accounts.
Always keep a “clean card” in your wallet, i.e. a credit card that is paid in full each month. Use this card for your everyday purchases, and pay it off each month in full, so you never have to pay any interest charges.
What is the advantage of using a “clean card” for your purchases instead of paying cash? Well, if your “clean card” has an associated rewards program, then you are earning reward points for your everyday purchases.
If you have some monthly bills that allow for credit card payments, for example your cell phone bill, cable television bill, or even your EZ-Pass bill, then set the auto-bill-pay feature of those accounts to bill your “clean card” every month. You know that you have to pay those bills in full every month anyway, so why not earn points on your bill payments?
Need a new credit card for your “clean card”? Check out ZeroPercentCards.com for all types of credit cards, including ones with reward programs.
Do you have an unused credit card which currently has a zero balance? If so, DON’T CLOSE IT! Keep it to use as your “clean card”.
Even better yet, always keep one credit card with zero balance. Credit card banks will often extend special incentives to get customers with unused accounts to start using their accounts again. You may start to see very low interest rate, or zero interest rate offers mailed to you if you have a dormant credit card account. Why? Because it is cheaper for credit card banks to extend these offers to existing customers than it is to spend money on obtaining new customers.
For more information on “clean cards”, see the following excellent MSNBC blog post at:
http://redtape.msnbc.com/2009/02/maybe-two-years.html
Want to get a credit card with 0% interest? Then check out ZeroPercentCards.com
Problem 1: you need to buy a new computer, but you don’t have a credit card to be able to buy one. Even better, you want that shiny new Dell or Gateway laptop computer, but it is beyond your reach.
Problem 2: you signed up with Blue Hippo to get a new computer, and they haven’t sent it, even though you have already made the necessary payments.
Plain and simple, Blue Hippo is a scam. The total number of payments that you make to get your Blue Hippo computer far exceed the true value of computer and all of the “free” stuff they send along with the computer.
Search google and you will find plenty of complaints about Blue Hippo. They are predatory lending at its best. See some comments here at this page: http://www.standardsandgrudges.com/2006/07/12/the-blue-hippo-scam
Okay, now I have you convinced that Blue Hippo is a scam, but you still can’t get a computer because you don’t have a credit card, or a checking account with a debit card.
Here is the solution: Go to ZeroPercentCards.com and get a stored value prepaid cash card. This is not one of those secured credit cards, but rather a rechargable prepaid Visa or MasterCard that works just like a checking account with a debit card.
Take the $40/WEEK payment that you would have been paying Blue Hippo, and instead, load it onto your new stored value cash card.
In 3 months, your new stored value cash card has a balance of $480, which is plenty enough for a new computer from Dell. The best thing is that you bought it yourself, and without paying too much for it!
Even better yet, some of the stored value cash cards report to your credit report, so you build good credit just by using the card!
Check out the stored value Visa and MasterCard products at ZeroPercentCards.com today!
Consider this example: You have 5 credit cards total. Four of those cards have been active for 5 to 8 years. Your fifth card is a new card that you just received with 0% on balance transfers and purchases for 15 months. You are excited upon receiving your new card, and feel that you should close the other four accounts in your name, since you no longer want to use them.
FICO-wise, this is not a good decision. When FICO computes your score, it now sees only a two-month credit history, rather than your 5 to 8 year history, and consequently, your FICO score will suffer.
You are better off leaving the other four cards open with a zero balance and placing them somewhere that you are not likely to access or use them. The 5 to 8 year history that you worked hard to build will continue to work in your favor only if the accounts remain open.
Keeping those four other cards open also lowers your available credit ratio, which is very important from a creditor’s viewpoint. Suppose you do close the other 4 credit card accounts and only use your new card. If you reach the maximum credit limit on the new card, then your debt ratio is now 100%. Why? Your other accounts are now closed!
Furthermore, leaving unused accounts open is a good idea simply because credit card companies will often apply special offers and low or 0% interest rates to dormant accounts. Credit card companies want dormant accounts to be used, as it is cheaper for them to entice holders of dormant accounts to begin using them again, than it is for them to obtain new account holders.
The World of Warcraft Visa Card from First National Bank of Omaha has no annual fees, and a $10 maximum balance transfer fee!
First use of the card earns a free month of game play time, and keep using your card for even more free game time!
Get your World of Warcraft Visa Card today!
Are you looking for the ultimate credit card to put in your wallet? Always looking for something exclusive? Then look no further than the Visa Black Card!
For those who demand only the best of what life has to offer, the exclusive Visa Black Card is for you. The Black Card is not just another piece of plastic. Made with carbon, it is the ultimate buying tool.
The Black Card is not for everyone. In fact, it is available to only 1% of U.S. Residents to ensure the highest caliber of personal service is provided to every Cardmember.
Become a Black Card member today and enjoy our 24-hour world class Concierge Service ready to assist you with all your business, travel and leisure needs.