The Return of 0% APR Credit Cards
Posted on December 14th, 2010
Applications and preapprovals for 0% APR offers on new purchases and balance transfers are once again filling consumer’s mailboxes. And the number 0% APR credit cards being marketed on the Internet is on the rise. Hard to come by during the recent credit crisis, 0% rates for as long as 21 months are resurging for responsible consumers with credit scores of 720 and higher.
As delinquency rates continue to drop, down 26% from a year ago, credit card solicitations that feature low introductory APRs are up more than 18% to 71% of offers sent through the mail. Balance transfer offers are up, as well, to 65% compared to 54% a year ago. On the Internet, companies such as Chase, Citi and Capital One have revamped their marketing campaigns to include many new 0% APR deals.
During the recent downturn, card companies shunned many responsible consumers because their borrowing habits meant small profits. But pr
Tags: Apr Credit, Apr Credit Cards, Cards, Credit Cards
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What are the Apprentice style team building?
Posted on December 13th, 2010
Apprentice style team building are team building activities especially aim to teach individuals within a company or corporation to work as part of a team by using their individual skill and combining them in order to achieve a common goal. And this activities are of course based in the famous TV show the Apprentice.
The participants are given an specific task aim to test their skills, so they can involve sales, marketing, price negotiation, advertising and PR. Then they are divided into teams, each teams will have to chose a Team Leader or Project Manager who will be in charge of managing the members strengths and putting them to the best use in order to complete their task.
Like in the TV show they will also have observers, so each team will be evaluated during their process and a report will be given to their boss about their performance. Read full post…
Tags: Building, Style Team, Style Team Building, Team Building
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Does An Anonymous Prepaid Credit Card Exist?
Posted on December 10th, 2010
Q: I am very concerned about the private information credit card companies collect about us. A few years ago there was a story in the news about American Express profiling customers by where they shopped and the zip code they lived. With banks and big brother exploiting us I don’t feel safe and would like to know what the best anonymous prepaid credit card is for privacy.
A: Well for starters, it’s interesting that you cited American Express as an example. The first leaked internal documents detailing the inner workings of that program were originally posted on Credit Card Forum by an ex-employee of American Express. Fortunately, AmEx quickly discontinued that practice after the media outcry and they no longer profile customers today, so that issue has been resolved.
If you have been trying to find an anonymous prepaid credit card online or offline and had no luck, here’s why…
The U.S. Patriot
Tags: Card, Credit Card
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The Dangers of High School Student Credit Cards
Posted on December 9th, 2010
A decade ago you would never have heard of high school student credit cards. In this day and age, though, parents want their kids to grow up with a strong financial sense. Also, as teens become more and more independent, they also become more informed about things like credit cards — and what they know about, they tend to want.
There are definitely pros to high school student credit cards. They help kids organize themselves and teach them financial responsibility. However, before you dash out to get one for your own child, there are some issues you may want to consider.
1. Is your teen responsible enough to use a credit card wisely?
Even with a low credit limit, these cards are just as capable of creating irresponsible spending habits as responsible habits.
Tags: Cards, Credit Cards, Student Credit, Student Credit Cards
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Online shoppers warned of hidden charges
Posted on December 9th, 2010
Consumers looking to compare credit cards before shopping online for Christmas presents could be among those to benefit from a recent warning from one expert.
While online shopping is often cheaper, Pay Pal has warned that there can be hidden costs and “traps”, news.com.ae reported.
According to the organisation, getting a long-distance refund or warrant claim can prove “virtually impossible”.
The comments come as a number of Australians are looking to make purchases from overseas websites in order to take advantage of the strong local currency.
Adrian Christie, a spokesman for PayPal Australia, told the news provider that there has been a 74 per cent increase in overseas online shopping this year, a trend which can largely be attributed to the strength of the Australian dollar.
Although discounts can be up to 50 per cent, the experts warned that consumers should double check conversion rates on the site and calculate shipping costs before finalising a purchase.
“We [also] suggest doing a quick check online to see whether people have had bad experiences with a retailer,” he added.
Tags: Online, Online Shoppers
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How Do I Get My Credit Score?
Posted on December 7th, 2010
Credit score Q&A: “How do I get my credit score?”
If you’re curious where you stand credit score-wise, the best way to put the question to bed is by ordering a credit report.
However, the free credit report offered by the government doesn’t actually contain a credit score – you only get a credit report, which includes all the relevant info regarding payment history, collections, charge-offs, etc.
If you actually want to view your credit score, you’ll have to pay an additional fee.
Credit Scores are Controlled by the Credit Bureaus
The 3 major credit bureaus are able to stay in business because they sell credit scores to consumers.
As a result, the government can’t offer a free credit score because it would put these private companies out of business.
So how do you get your credit score without paying an arm and a leg?
Well, first off, there are three credit scores (one for each credit bureau), not just one.
Paying for each credit score separately, or paying for just one doesn’t make a lot of sense.
For starters, one credit score doesn’t give you the overall picture because credit scores differ amongst bureaus.
Additionally, a creditor may rely on a credit score from the credit bureau that you don’t purchase a credit score from.
So it’s only wise to get your credit score from a company that provides access to all three.
Credit Score Pro is currently offering free access to all three credit scores for 30 days, making it a good choice if you want to view yours.
Keep in mind that if you don’t cancel within the 30-day trial period, you’ll be charged $14.95 per month thereafter for credit monitoring.
Tags: Credit Score, Score
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