-
Oct1
How to choose a credit card?
Author: Susanta K Beura; Filed under: Credit Card, Finance & Investment; Tagged as: cash advances, circumstances, Credit Card, credit cards, credit provider, customer service, finance charges, fixed rate, get smart, high-profile lifestyle, introductory interest rate, investments, investor, lifestyle, minimum payment, reward points, rewards, standard of living, variable rate, variable rates
1 CommentIn today’s times, people tend to spend more due to high-profile lifestyle and increasing needs. Nevertheless, investments and savings can’t be sidelined in the wake of spending. The question is how to get smart with expenses and spend prudently. Different individuals have different strategies to spend and save. If we are talking about expenses, credit cards and their usage come in picture quite evidently. So, as an investor you need to know what kind of credit cards you should use in order to spend rationally and maintain good healthy financial life. Besides the fees and the interest that you will be billed on a credit card, consider your standard of living and past payment record while picking a credit card.
If you are one of those who choose to pay only the minimum due every month, then interest rate is a very essential feature that you must take care of as you sign up for a card. Some cards offer a fixed rate, while some offer variable rates. Majority of the cards review a variable rate, which can be modified periodically.
You need to know about the minimum payment you are supposed to make. Also, the maximum you can borrow without an over-the-limit charge.
You should be aware if there is any annual fee or any kind of hidden fee, late payment fees, and finance charges on cash advances.
Be aware of the circumstances when the credit provider can change terms of the agreement.
Call up customer service and learn how the company calculates the finance charges.
Take advantage of the low introductory interest rate, if offered and be aware when it’s going to increase.
Besides spending, you should look for rewards on your card, so sign up for cards that offer good reward points or bonuses on purchases. If you pay in full, interest rate should not be an issue for you. However, you should look for other additional benefits.
So, now you know how to grab the best card in town!
-
Aug27
Changing Role of Credit Card Companies
Author: Susanta K Beura; Filed under: Credit Card, Finance & Investment; Tagged as: apply credit card online, apply for visa credit card, apply visa credit card, bad credit credit card offers, balance card credit free transfer, balance transfer card, balance transfer cards, bank credit cards, banks, best credit card offer, best credit card rates, business credit card, card credit student, cash advances, cashback credit cards, company credit cards, core objective, corporate credit card, corporate credit cards, credentials, credit, credit card balance transfer, credit card companies, credit card company, credit card offer, credit card offers, credit card offers for bad credit, credit card payment, credit cards, credit cards offer, credit cards offers, credit score, economy, good credit scores, home renovation, increasing productivity, india credit, interest rate, lowest credit card rates, people, savings account, small business credit card, spendthrift, tide, timely payments, travel credit card, travel rewards credit card, visa credit card offers
No CommentsOver the years, credit cards have played a major role in a spendthrift’s life. Be it in the US or in India, credit cards have eased people’s lives in terms of expenses. Nobody really bats an eyelid before swiping his or her credit card for an impulsive purchase even if their savings account has no funds. If you carry your balances, you need to worry about the interest rate that you are paying on your card. Timely payments, low balances and good credit scores contributes to your credentials as a customer, which earns you favor from your credit card company eventually.
Nevertheless, now the scenario is changing gradually with credit card companies becoming stringent with their clients in terms of offering debt. People who expect their credit card companies to give them a higher line of credit are mistaken as the tide has turned. We don’t know how much impact it will have here in India, but in the US it’s getting slightly difficult now with the new set of rules.
Earlier, people in the US maintained their credit scores by making timely payments, paying off their balances in full and taking lesser cash advances, but now they would need to curtail their expenses. Whether it was home renovation, wedding, holiday or any sort of loan, a low promotional rate on your credit card could easily win you your dream.
The core objective behind the change is increasing debt and default. The banks need to take an action in order to control debt, which would eventually lead to better financial system.
Unless people do not get out of debt, they cannot save or invest. If people wouldn’t invest, economy wouldn’t grow. So, now the good credit score would be determined by the least debt on an account or no debt at all.
Therefore, for a healthy economy, credit card companies are inclined towards increasing productivity and lessening default and debt by limiting customer leverages.
Site Status
Freelance Jobs At Scriptlance
- Need 2000 Members 4 Social NetI just finished setting up a new social networking site and need vto jumpstart the site with at least 2000 – 3000 members – so this is for someone who is good at diverting traffic or who has a social site that he wants to move to a new platform… This is also geographical area specific
- JoomlaNeed to add some features inside phocadownload. Please do not bid if you do not have experience and ability to complete project fast and make a good work. Need this done in not more than a week since it is is not a lot of modification. Would love to have reliable and experienced person to work with since I have a lot more joomla projects that are coming. Project description: This component is phoca download that I like because it has play and preview features but I need following to be done. …
- Phpmotion/calender/flowplayer1) Replace Phpmotion video player with flowplayer. 2) Integrate and set me up to be able to stream live video on the main player, also ability to have links/ads/commercials on the player. (Maybe a chat box under the live video, but not a current necessity.) 3) A dynamic ad box next to the live feed that I can manually post links as the live feed plays. 4) Add an extra advertising slot below the video player. 5) Add an extra advertising slot on the members profile page. Top and Side. 5) B…
- Embed Email Subs. + Rss TickerA campaign to re-legalize hemp in one state needs to build an email list of supporters quickly. PART 1 We imagine an email subscription box with two links at the bottom, one says info and leads to the site, the other says embed and will open to display the code so supporters can post the subscription box on their site. The background of the email box would be a design that relates to the site and inspires action in supporters. Info collected will need to be name and email address. All data w…
- Sonar File Viewer And Gps MappI am looking for a quality coder to create a Side Scan Sonar Application for Windows XP/Vista/7 to playback Multibeam Sonar Files in a Graphical view, live viewing of gps tracks on chart and view Snapshot images from Sonar recordings. – Import/Export multiple sonar files to user created directories in dedicated MyProject folder in users My Documents – View sonar and snapshot files in preview format and display file data: time/date, length, #of pings, description, ect – Ability for user to en…
- Swoopo.com Auctions CloneIm looking for a team to develop a swoopo.com auctions clone in functions with a new aspect and in spanish language (translations could be done by me) I dont think that i have to give more details , just visit the web to see the features.
- Tv On Pc SoftwareLooking to rebrand a TV on PC Software application. The app should be windows XP – windows 7 Compatible. I will also need monthly channel updates. If you have a Mac version I would also be interested. I am not looking to make something from scratch so please dont ask. If you have please open a PMB with more details. Sample of the App is a plus.
- Website Design WorkHello, I am looking for an experienced Web designer to build some simple website pages as a test with the intention to have him build sites on a fulltime basis. The designer should have excellent experience with Photoshop, Dreamweaver, Flash, CSS, & other web designing tools. Joomla experience would be an asset. I am only looking for experienced designers that can build html (with flash, etc.) professional sites in excellent time frames (1 day for 3 pages if i give you an exact example s…
- Web Template Html+css+jqueryWe have built a Job Board site, and are looking for someone to help us out with the design part of the site. CSS+HTML+JQuery for the job board template. This is what we expect: – main welcome page +++ header >>>>> company logo on the left end >>>>> login fields on the right end >>>>> horizontal menu bar +++ left sidebar >>>>> Quicklinks >>>>> latest members with logo +++ main area >>>>> list of lates…
- Chatroulette Clone SiteNeed a 1:1 clone of ChatRoulette.com The script/source should have easy to understand comments, should we need to hire more programmers in the future. If the project is successful, expect future opportunities for employment. Project should make use of Flashs new "RTMFP" , Client-to-Client cam connection – like on chatroulette – to save the traffic.
Partner links
Breaking News
- 'BSP rally a circus, Mayawati the Ringmaster'In a move that exposes the double standards of the Uttar Pradesh government, UP Chief Minister Mayawati is sponsoring around Rs 200 crore rupees on a rally to commemorate the silver jubilee celebrations of the Bahujan Samaj Party. The opposition has slammed Mayawati who ironically said she had no funds to spare for the Pratapgarh stampede victims just over a week ago.…
- HC order fuels resentment in ranksThe chorus for equality in the armed forces is only growing. On the one hand, women officers have been granted permanent commission. On the other, ex-servicemen in Bangalore are out on the streets – their demand ‘one rank, one pension’.…
Our Friends
Twitter links powered by Tweet This v1.6.1, a WordPress plugin for Twitter.