Latest articles from My Credit Card Secrets (http://www.mycreditcardsecrets.com) http://www.mycreditcardsecrets.com 2008-11-22T01:54:32+01:00 text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/why-credit-cards-are-a342.html Credit cards are just so convenient, aren’t they? There’s no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven’t been paid yet, then you don’t need to worry, because the money will still be there. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/how-your-credit-rating-a341.html Any time you get turned down for a credit card or any other loan, the chances are that it was because of your credit rating. Companies giving out small loans are far more likely to rely completely on this rating than to bother checking your income, and a worse rating will mean that you are offered a higher interest rate. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/finding-the-right-credit-a340.html There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you’ve seen? Take this little quiz to find out what you should look for in a card. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/what-you-need-to-a339.html For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in rates and payment amounts can be. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-card-incentives-a338.html Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to offer you some great incentives... text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/taking-control-of-your-a337.html Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-card-security-advice-a336.html Do you still feel that shopping online is not safe? Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/five-credit-card-billing-a335.html It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/why-consumers-need-a-a334.html Examines the need for nationwide laws which allow consumers to place a freeze on their credit profiles and protect themselves from identity thieves. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/good-vs-bad-credit-a333.html Think that all debt is bad? See how in some instances good debt can actually help your financial position. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/dealing-with-and-repairing-a332.html Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-and-its-cost-a331.html Credit is money granted by a lender (or creditor) to a debtor (or borrower) whereby the lender defers receiving payment of the debt for a period. In exchange for the credit allowed, the lender will get back the money lent plus interest. The borrower has use of the money immediately, rather than waiting until the money required is saved up. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-score-reporting-a330.html Credit score is basic to your credit decision and is a guide to your financial health. Credit score will enable you to decide on which loan type to apply for and the interest rates to expect. Credit score is a three digit number which is consequential enough to decide whether you can own a house or a car and has considerable on how much your pay on your credit, insurance and other necessities of life. Knowing your credit score will enable you to make amends, if any, and prevent you from abuse at the hands of loan lenders. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/identity-theft-additional-a329.html An amendment to the Fair Credit Reporting Act permits active duty military personnel who are away from their active duty station to place an “active duty alert” on their credit reports. This should help prevent soldiers from being victims of identity theft. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/choosing-the-best-credit-a328.html There are several criteria that should be considered before choosing a credit card. You should make sure and check into any card offer that you receive to make sure that you are getting a card that will best serve instead of best serving the card company. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-cards-use-a327.html Credit cards are not all bad, if used correctly they can be a great means of cash flow to a business. Using them correctly is the key to making the credit card companies money work for you... text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-card-debt-how-a326.html Despite all you've heard about credit cards, it never hurts to review the basics. Learn solid strategies to control credit card debt. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/have-you-ever-opened-a325.html Some things to think about before you open a checking account. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/it-takes-credit-to-a324.html Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your payments on time each month is a simple, reliable way to build an outstanding credit report. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/automobile-credit-report-a323.html Get a grip on a new car with your credit report