Credit Cards No Interest - Save Money Many Ways
Interest free credit cards are one of the best choices a consumer can make to save a little or a lot of money. Everyday I get pre-approved credit card offers in my mailbox. Some of them come with low introductory rates and other benefits. Before you act on these offers, look for credit cards that are interest free.
Choosing and Using Interest Free Credit Cards
You can use your card, without paying any interest, for an average of six months. Some credit cards may offer interest free periods that could be shorter or longer. If you are able to clear your balance during this period you do not have to pay a penny in interest.
Make Large Purchases Early
The best way to use these interest free cards is when planning for a major purchase. You can then spread the payment without having to pay any interest. Store cards may help in extending the cost of expensive purchases but the interest rates can be extremely high.
The longer the interest free period on the credit card, the more time you get to repay the balance without any extra charges. If you cannot clear your balance on interest free credit cards within the interest free period, the interest charged will only apply to the remaining balance.
An interest free credit card gives you the option to spread the cost of your expenses. If a vacation, big purchase, or a big treat is what you are aiming for, credit cards that are interest free will prove a big help. Many people have started their own business with a credit card. When they need more supplies or products for their business they then start to use business credit cards.
Expiration of the Interest Free Period
On the expiration of the interest free period, the interest rates can change. Find out the interest rate being charged by every lender to give you a good idea of what the charges can be just in case you do not clear your credit card within the interest free period.
This is not a card which lets you never pay interest, but a card that offers a time period before the interest starts being charged. With interest free credit cards, the interest free credit can often extend about 57 days on purchases. This implies that you get 57 days to clear your total balance.
Would you like to get free no fee interest free credit cards with quick and easy approval? Do you need a business credit card? Would you like to get paid commission every time I make any purchase or pay a bill with my credit card?
Get more information at http://tinyurl.com/YVRG6N You can get a card from there and you can make money every time I purchase something with my card.
Kay Schwartz. http://www.homeworksfun.com
Thursday, November 8, 2007
Friday, November 2, 2007
Credit Cards Quick! How Do I Get One?
Know these facts about applying for credit cards quickly online.
How do I apply for a credit card?
First, search to find the type of credit card you wish to apply for. When you find the best card for your needs go ahead and apply using your basic information on an SSL site for your secure online application.
What information do I have to provide for an application?
You will need to provide basic information about yourself such as your name, driver's license number, date of birth, Social Security number, address, and annual income.
Are online card applications secure?
All credit card applications linked to and from featuring Secure Socket Layer (SSL) Technology will offer the highest level of internet security involving sophisticated data encryption. Your information is safe.
How long does it take to receive an application decision?
The waiting time can vary. Some credit cards offer rapid approval, usually in less than one minute, when the bank system is able to confirm that all your information meets the required criteria.
Can I apply for more than one card?
Yes. You can apply for more than one credit card. However, if you have several credit cards, credit card issuers may decide that your total credit is already high, and decide not to issue you more credit cards.
Do you want a credit card now? Want a fast and easy application?
http://tinyurl.com/YVRG6N
You can get a card and you can make money every time I make a purchase.
Kay Schwartz. This blog may be reproduced subject to credit being given to the author and a link to this website.
How do I apply for a credit card?
First, search to find the type of credit card you wish to apply for. When you find the best card for your needs go ahead and apply using your basic information on an SSL site for your secure online application.
What information do I have to provide for an application?
You will need to provide basic information about yourself such as your name, driver's license number, date of birth, Social Security number, address, and annual income.
Are online card applications secure?
All credit card applications linked to and from featuring Secure Socket Layer (SSL) Technology will offer the highest level of internet security involving sophisticated data encryption. Your information is safe.
How long does it take to receive an application decision?
The waiting time can vary. Some credit cards offer rapid approval, usually in less than one minute, when the bank system is able to confirm that all your information meets the required criteria.
Can I apply for more than one card?
Yes. You can apply for more than one credit card. However, if you have several credit cards, credit card issuers may decide that your total credit is already high, and decide not to issue you more credit cards.
Do you want a credit card now? Want a fast and easy application?
http://tinyurl.com/YVRG6N
You can get a card and you can make money every time I make a purchase.
Kay Schwartz. This blog may be reproduced subject to credit being given to the author and a link to this website.
Thursday, November 1, 2007
Credit Cards Students
Keyword: credit cards students,budgeting,spending,credit history,maximum limit,additional fees, penalties,payment due date,payment options,Kay Schwartz
Rules and Tips for Students to Protect Their Credit Ratings and Card Privileges.
A student credit card is designed for high school and college students and usually works the same way as any credit card that has been issued by a financial institution. In general a student credit card merely has a few more restrictions relative to non-student cards.
1) Budgeting Beauty
Take time to establish a monthly budget for yourself, one that includes your credit card payments. Watch your bills and compare them with your budget each and every month.
2) Adjust Your Spending
Make spending adjustments when necessary. Being prepared for unexpected and planned unexpected expenses is the best way to guarantee that your credit history remains clean and strong.
3) Credit Your Credit
Use your credit responsibly. Be especially sensitive to the payment agreements you made when you established your accounts.
4) Limit Your Limit
The credit limit shown on your statement is the maximum amount that the institution that issued your card is prepared to lend you. Avoid spending to your limit. Charging over your limit is usually considered a violation of your agreement.
5) On Time Every Time
When a card statement arrives at your home, the most important item to notice is the payment due date. Your payment must reach the financial institution by the payment due date whether paying the minimum or paying the total.
6) Minimum Maximum
Always be prepared to make at least the minimum payment. If you wish to reduce your finance charges, or plan to make a number of additional purchases in the coming month, consider paying a larger amount.
7) Stay In Touch
If you change your name or address notify your lender immediately. Send your updated information before the fact, not after. Your payment could turn into a late payment in the time it takes for a statement to be forwarded to your new address.
Would you like to learn a whole lot more about the credit card industry? Do you need a credit card?
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to beat the banks at their own game?
I invite you to
send me an email.
Don't worry. It's an autoresponder and you can opt out anytime.
This article may not be reproduced without including Kay Schwartz as author and
the inclusion of this URL http://credit-cards-easy-to-get.blogspot.com
Rules and Tips for Students to Protect Their Credit Ratings and Card Privileges.
A student credit card is designed for high school and college students and usually works the same way as any credit card that has been issued by a financial institution. In general a student credit card merely has a few more restrictions relative to non-student cards.
1) Budgeting Beauty
Take time to establish a monthly budget for yourself, one that includes your credit card payments. Watch your bills and compare them with your budget each and every month.
2) Adjust Your Spending
Make spending adjustments when necessary. Being prepared for unexpected and planned unexpected expenses is the best way to guarantee that your credit history remains clean and strong.
3) Credit Your Credit
Use your credit responsibly. Be especially sensitive to the payment agreements you made when you established your accounts.
4) Limit Your Limit
The credit limit shown on your statement is the maximum amount that the institution that issued your card is prepared to lend you. Avoid spending to your limit. Charging over your limit is usually considered a violation of your agreement.
5) On Time Every Time
When a card statement arrives at your home, the most important item to notice is the payment due date. Your payment must reach the financial institution by the payment due date whether paying the minimum or paying the total.
6) Minimum Maximum
Always be prepared to make at least the minimum payment. If you wish to reduce your finance charges, or plan to make a number of additional purchases in the coming month, consider paying a larger amount.
7) Stay In Touch
If you change your name or address notify your lender immediately. Send your updated information before the fact, not after. Your payment could turn into a late payment in the time it takes for a statement to be forwarded to your new address.
Would you like to learn a whole lot more about the credit card industry? Do you need a credit card?
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to beat the banks at their own game?
I invite you to
send me an email.
Don't worry. It's an autoresponder and you can opt out anytime.
This article may not be reproduced without including Kay Schwartz as author and
the inclusion of this URL http://credit-cards-easy-to-get.blogspot.com
Wednesday, October 31, 2007
Credit Cards Bankruptcy
Bankruptcy Credit Cards -How to Get the Best
Bankruptcy credit cards - How do I get one?
What to look for when choosing.
A bankruptcy credit card is basically a card that you can get despite bad credit.
You are probably finding it difficult to build up your credit rating again after filing bankruptcy. The major reason for your difficulty is that most of the major companies will not offer you a credit card or other loan due to your past credit history.
There are some companies that will offer bankruptcy credit cards. Essentially, these are credit cards for people with poor, no, or bad credit.
Should I get a credit card if I have filed bankruptcy?
Ask yourself:
Can I handle having a credit card?
Did credit card debt get you into this mess to begin with?
If it did, how have YOU changed?
It's difficult to get along in today's world without a credit card. The most legitimate reason to need a credit card after bankruptcy is for emergencies. Finance experts recommend we keep 6 months of savings. This is great advice but unrealistic for someone just out of bankruptcy.
If you filed a chapter 7 bankruptcy, chances are all your assets were wiped out to pay your creditors - especially cash. In a chapter 13 bankruptcy, your repayment plan may be so tight that you have little left over to save. Without money saved how do you handle emergencies or sudden expenses?
Can you get a credit card after bankruptcy? Absolutely!
It really isn’t that hard. You'll probably get many credit card offers in the mail within days of your bankruptcy. The real catch though is that most of these are total junk. These credit card offers are betting on one thing: that you are desperate.
By examining these offers closely you will find that they want hundreds of dollars in fees. There are monthly fees, annual fees, membership fees, applications fees, and just-for-the-hell-of-it fees.
My advice for you is to slow down, back up, and wait!
Ignore those offers. You will eventually get better ones. Wait a couple months and you'll be happily surprised to find good deals out there such as credit cards with no annual fees at all.
This is what you want. Then when you get your new card use it wisely. Don’t buy junk you don’t need and pay it back every month!
Would you like to learn a whole lot more about the credit card industry?
Do you need a credit card?
Would you like to make the money from credit cards that the banks do?
I invite you to
send me an email.
Don't worry.
It's an autoresponder and you can opt out anytime.
While you're there download my free pdf to take a look at how
you can beat the banks at their own game.
This article may not be reproduced without including Kay Schwartz as author and
the inclusion of this URL http://credit-cards-easy-to-get.blogspot.com
Bankruptcy credit cards - How do I get one?
What to look for when choosing.
A bankruptcy credit card is basically a card that you can get despite bad credit.
You are probably finding it difficult to build up your credit rating again after filing bankruptcy. The major reason for your difficulty is that most of the major companies will not offer you a credit card or other loan due to your past credit history.
There are some companies that will offer bankruptcy credit cards. Essentially, these are credit cards for people with poor, no, or bad credit.
Should I get a credit card if I have filed bankruptcy?
Ask yourself:
Can I handle having a credit card?
Did credit card debt get you into this mess to begin with?
If it did, how have YOU changed?
It's difficult to get along in today's world without a credit card. The most legitimate reason to need a credit card after bankruptcy is for emergencies. Finance experts recommend we keep 6 months of savings. This is great advice but unrealistic for someone just out of bankruptcy.
If you filed a chapter 7 bankruptcy, chances are all your assets were wiped out to pay your creditors - especially cash. In a chapter 13 bankruptcy, your repayment plan may be so tight that you have little left over to save. Without money saved how do you handle emergencies or sudden expenses?
Can you get a credit card after bankruptcy? Absolutely!
It really isn’t that hard. You'll probably get many credit card offers in the mail within days of your bankruptcy. The real catch though is that most of these are total junk. These credit card offers are betting on one thing: that you are desperate.
By examining these offers closely you will find that they want hundreds of dollars in fees. There are monthly fees, annual fees, membership fees, applications fees, and just-for-the-hell-of-it fees.
My advice for you is to slow down, back up, and wait!
Ignore those offers. You will eventually get better ones. Wait a couple months and you'll be happily surprised to find good deals out there such as credit cards with no annual fees at all.
This is what you want. Then when you get your new card use it wisely. Don’t buy junk you don’t need and pay it back every month!
Would you like to learn a whole lot more about the credit card industry?
Do you need a credit card?
Would you like to make the money from credit cards that the banks do?
I invite you to
send me an email.
Don't worry.
It's an autoresponder and you can opt out anytime.
While you're there download my free pdf to take a look at how
you can beat the banks at their own game.
This article may not be reproduced without including Kay Schwartz as author and
the inclusion of this URL http://credit-cards-easy-to-get.blogspot.com
Tuesday, October 30, 2007
Credit Cards - Lowest Interest
Credit cards – lowest interest should be what you are looking for because low interest credit cards are powerful ammunition to have in your wallet.
Low interest credit cards make a pile of money available to you without being charged an arm and a leg for it. This makes it easier for you to manage your budget without getting further in debt.
Low interest credit cards allow you to save money on everything that you buy. You can use your card with the lowest interest rate for every day purchases, such as groceries or gas, or on the more expensive things such as vacations or new appliances. When you are paying on a lower interest rate on low interest credit cards you are always paying less.
The top three benefits of having the lowest interest credit card:
1. While making lower payments you can pay off purchases in a shorter time.
2. Save money on all purchases.
3. When buying larger purchases your card can act like a personal loan.
When you apply for a low interest credit card make sure it is not just an introductory offer. You want the low interest to be permanent for the life of the card.
Do you have more questions about credit cards lowest interest that we offer? Do you need help getting a credit card? Would you like to make the money from credit cards that the banks do? I invite you to
send me an email.
Don’t worry. It’s an autoresponder and you can opt out anytime. I won’t share your information with anyone.
Low interest credit cards make a pile of money available to you without being charged an arm and a leg for it. This makes it easier for you to manage your budget without getting further in debt.
Low interest credit cards allow you to save money on everything that you buy. You can use your card with the lowest interest rate for every day purchases, such as groceries or gas, or on the more expensive things such as vacations or new appliances. When you are paying on a lower interest rate on low interest credit cards you are always paying less.
The top three benefits of having the lowest interest credit card:
1. While making lower payments you can pay off purchases in a shorter time.
2. Save money on all purchases.
3. When buying larger purchases your card can act like a personal loan.
When you apply for a low interest credit card make sure it is not just an introductory offer. You want the low interest to be permanent for the life of the card.
Do you have more questions about credit cards lowest interest that we offer? Do you need help getting a credit card? Would you like to make the money from credit cards that the banks do? I invite you to
send me an email.
Don’t worry. It’s an autoresponder and you can opt out anytime. I won’t share your information with anyone.
Monday, October 29, 2007
Credit Cards Lowest Interest
Credit Cards Lowest Interest - Watch Out!
Low Interest Rate Credit Cards Tips. Give yourself
a financial boost.
Using credit cards with lowest interest rates sounds great.
Consolidate your debts.You will save money on interest
and could lower your total monthly debt payments as well.
There are many advantages to using these cards on balance
transfers or purchases. These cards come with as little as
a 0% annual percentage rate (APR).
Be careful. Look further.
How long does the 0% interest last? Long enough for you
to pay off those past debts?
What is the interest rate after the introductory time is
up? Does it balance out?
Could you do better with a no balance transfer card but
one that has a lower APR throughout?
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.
Low Interest Rate Credit Cards Tips. Give yourself
a financial boost.
Using credit cards with lowest interest rates sounds great.
Consolidate your debts.You will save money on interest
and could lower your total monthly debt payments as well.
There are many advantages to using these cards on balance
transfers or purchases. These cards come with as little as
a 0% annual percentage rate (APR).
Be careful. Look further.
How long does the 0% interest last? Long enough for you
to pay off those past debts?
What is the interest rate after the introductory time is
up? Does it balance out?
Could you do better with a no balance transfer card but
one that has a lower APR throughout?
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.
Sunday, October 28, 2007
Credit Cards Bankruptcy - How to Get the Best
Credit cards bankruptcy - How do I get one?
What to look for when choosing.
A bankruptcy credit card is basically a card that
you can get despite bad credit.
You are probably finding it difficult to build up
your credit rating again after filing bankruptcy.
The major reason for your difficulty is that most
of the major companies will not offer you a credit
card or other loan due to your past credit history.
There are a few things that you can do in order to
lessen the effect that the bankruptcy has on your
credit now, but one of those options (waiting until
it is no longer on your credit report) is not a good
idea if you need a credit card now.
There are some companies that will offer bankruptcy
credit cards. Essentially, these are credit cards
for people with poor, no, or bad credit. You can
improve your credit by getting one of these credit
cards. By paying off your debt on the credit card,
you can build up your credit report so that you'll
be able to get loans and other credit cards in the
future.
Should I get a credit card if I have filed bankruptcy?
Ask yourself: "Can I handle having a credit card?"
Did credit card debt get you into this mess to begin
with? If it did, how have YOU changed? Let's be realistic.
It's difficult to get along in today's world without a
credit card. Some needs are car and hotel reservations,
buying things on the internet, and emergencies.
The most legitimate reason to need a credit card after
bankruptcy is for emergencies. Finance experts recommend
we keep 6 months of savings. This is great advice but
unrealistic for someone just out of bankruptcy.
If you filed a chapter 7 bankruptcy, chances are all
your assets were wiped out to pay your creditors -
especially cash. In a chapter 13 bankruptcy, your
repayment plan may be so tight that you have little
left over to save. Without money saved how do you
handle emergencies or sudden expenses? Blown out
tires, an emergency trip, or a call to the plumber
can wipe you out.
Can you get a credit card after bankruptcy?
Absolutely! It really isn’t that hard.
You'll probably get many credit card offers in the
mail within days of your bankruptcy. The real catch
though is that most of these are total junk. These
credit card offers are betting on one thing: that
you are desperate. By examining these offers closely
you will find that they want hundreds of dollars in
fees. There are monthly fees, annual fees, membership
fees, applications fees, and just-for-the-hell-of-it fees.
My advice for you is to slow down, back up, and wait!
Ignore those offers. You will eventually get better
ones. Wait a couple months and you'll be happily
surprised to find good deals out there such as credit
cards with no annual fees at all. This is what you want.
Then when you get your new card use it wisely. Don’t
buy junk you don’t need and pay it back every month!
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.
What to look for when choosing.
A bankruptcy credit card is basically a card that
you can get despite bad credit.
You are probably finding it difficult to build up
your credit rating again after filing bankruptcy.
The major reason for your difficulty is that most
of the major companies will not offer you a credit
card or other loan due to your past credit history.
There are a few things that you can do in order to
lessen the effect that the bankruptcy has on your
credit now, but one of those options (waiting until
it is no longer on your credit report) is not a good
idea if you need a credit card now.
There are some companies that will offer bankruptcy
credit cards. Essentially, these are credit cards
for people with poor, no, or bad credit. You can
improve your credit by getting one of these credit
cards. By paying off your debt on the credit card,
you can build up your credit report so that you'll
be able to get loans and other credit cards in the
future.
Should I get a credit card if I have filed bankruptcy?
Ask yourself: "Can I handle having a credit card?"
Did credit card debt get you into this mess to begin
with? If it did, how have YOU changed? Let's be realistic.
It's difficult to get along in today's world without a
credit card. Some needs are car and hotel reservations,
buying things on the internet, and emergencies.
The most legitimate reason to need a credit card after
bankruptcy is for emergencies. Finance experts recommend
we keep 6 months of savings. This is great advice but
unrealistic for someone just out of bankruptcy.
If you filed a chapter 7 bankruptcy, chances are all
your assets were wiped out to pay your creditors -
especially cash. In a chapter 13 bankruptcy, your
repayment plan may be so tight that you have little
left over to save. Without money saved how do you
handle emergencies or sudden expenses? Blown out
tires, an emergency trip, or a call to the plumber
can wipe you out.
Can you get a credit card after bankruptcy?
Absolutely! It really isn’t that hard.
You'll probably get many credit card offers in the
mail within days of your bankruptcy. The real catch
though is that most of these are total junk. These
credit card offers are betting on one thing: that
you are desperate. By examining these offers closely
you will find that they want hundreds of dollars in
fees. There are monthly fees, annual fees, membership
fees, applications fees, and just-for-the-hell-of-it fees.
My advice for you is to slow down, back up, and wait!
Ignore those offers. You will eventually get better
ones. Wait a couple months and you'll be happily
surprised to find good deals out there such as credit
cards with no annual fees at all. This is what you want.
Then when you get your new card use it wisely. Don’t
buy junk you don’t need and pay it back every month!
Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.
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