Archive for the ‘Credit Cards’ Category

Posted on November 14, 2009 - by admin

Cash Back Credit Card

Cash back is one of the best credit card offers you can choose.  There are no limits on when or where you can use your cash rewards. cash back credit card is the American Express Preferred Rewards Gold Card.  With this card you earn 10,000 membership rewards bonus points.  You must spend $500 in 3 months to qualify. and it is redeemable gift card worth $100. The Membership Reward program also give you 1 Membership point for every dollar you spend and you have a choice of redeeming it for either travel, entertainment  or shopping rewards.  The Gold Card Events – exclusive access to tickets to selected shows, concerts and major sporting events, with more in cities nationwide. Express Approval means you will be you approval decision in less than 1 minute. The American Express Premier Rewards Gold Card is for those who wish not to be stopped by a maximum allowed spending limit.  To get the most out of their card benefits, cardholders enjoy no annual fee during the first year. Your rewards  points have no expiration date or limits to how many you can earn.

Posted on August 13, 2009 - by admin

0% interest rate credit cards-a shoppers dream

Imagine you can go shopping with your credit card and make purchases till you reach your credit limit and not pay any interests on your purchases. Wouldn’t this be really fantastic? Now credit card companies have come up with this 0% interest rate credit card idea as competition among credit card dealers has increased. There will no difference between salary days and the last days of the month with these 0% credit cards. You can make big purchases at any time of the month regardless of your bank balance. Some credit cards with nominal interest rates offer 0 % interest rate credit card services in certain areas like for buying air tickets, hotel reservations, booking golf courses, balance transfer etc. These selective services also tempt credit card users to have multiple cards. Nowadays some people have so many cards that they have lost count of how many cards him/her posses. Before 0% interest cards it is better to do a small research on these cards as there as there are a hand full of these cards available through numerous banks today. If you have  good credit rating all the best banks would line up to offer you one of these 0% interest credit cards.

Posted on February 25, 2009 - by admin

How to Deal With Credit Card Collection Agencies

Dealing with credit card collection agencies can be intimidating when the debtor is facing endless phone calls and letters streaming into the mailbox demanding the money that is owed to the creditor. There are simple ways to become a confident debtor.

When the consumer is aware of their rights and the rights that come with the process of collections they can be sure to protect themselves when it comes to dealing with credit card debt collections.

First, know when and how the credit card debt collector is allowed to contact the debtor. The credit collector is allowed to contact the debtor over the phone, through the use of mail or electronic mail and even in person. The debt collection agency can contact the debtor through eight in the morning and nine in the evening through the telephone.

There are some debt collection companies that choose to contact the debtor at their place of employment. This can be embarrassing and can disrupt the work environment. However, if the creditor continues to contact the debtor at their place of employment after the debtor has stated that the employer disapproves such behavior, than this is not fair debt collection practices.

It is important to know your rights. Many collection agencies will negotiate the amount which must be repaid to the collection agency. This is because the collection agency has purchased the debt for a fraction of the price, in the tune of cents to the dollar – which means that even a partial payment can lead to the collection agency turning a profit on the collection.