Latest articles from My Credit Card Secrets (http://www.mycreditcardsecrets.com) http://www.mycreditcardsecrets.com 2008-11-22T03:38:14+01:00 text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/what-you-need-to-a322.html Debt negotiation on credit cards is often referred to as credit card debt settlement. Whenever you make a credit card payment- or even pay your utility bills- it usually gets reported to one- or all- of the three main credit agencies. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/which-citi-mastercard-is-a321.html You’ve decided to apply for a Citi MasterCard, but with so many different cards to choose from, how do you know which one is right for you? text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-cards-can-help-a320.html Using credit cards can improve your debt position, if used wisely. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-counseling-what-is-a319.html If you are in difficulty financially, you have in all probability heard the term “credit counseling,” however do you understand what it is? Most times this term is used in the same sentence as debt negotiation or debt settlement, however in fact, it is an entirely dissimilar procedure. With credit counseling, you will in fact work with a credit counselor to pay off your debt in smaller, monthly payments that you can manage to pay. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-report-look-a318.html Most consumers aren’t even aware that they have a debit report as well as a credit report until their application to open a bank account is denied. Here’s what you need to know to keep yours healthy. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-score-for-a317.html Credit score is a three digit number which provides information about your credibility as a borrower. Most of the people are unaware about their credit score. Every loan lender looks at your credit report while deciding about you as a loan borrower. Credit report has all the valid information about your loan accounts, your previous loan borrowing and whether or not you have made any faults with your payments. Credit score will reveal financial data like bankruptcy, county court judgments, charge offs, defaults etc. knowing your credit score will be helpful in getting you the right interest rate. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/tips-for-choosing-a-a316.html This article gives tips on choosing the best credit card company and type to fit your needs. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/repair-your-credit-a315.html There is so much mis-information about credit repair that I felt it necessary to tell how to repair your credit the way I have been successful with. No b.s. just the facts. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/the-art-of-stoozing-a314.html Stoozing, a sophisticated method of making money from credit cards that offer 0% introductory periods. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/compare-credit-card-offers-a313.html Compare Visa, Mastercard, Discover Card, and American Express for the best interest rates and rewards. Get cash back, airline miles, or tons of gifts. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/the-exact-action-to-a312.html There are times when you may be turned down for credit and you do not understand why. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/annual-credit-report-and-a311.html Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/commercial-collections-and-credit-a310.html It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/easing-your-financial-burdens-a309.html It’s tough getting a handle on mounting credit card debt. Here are some great tips for figuring out ways to manage this unwieldy problem. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/making-sense-of-credit-a308.html In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/read-and-understand-your-a307.html Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don’t take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you... right on your credit report, and once there can stay with you a while... text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/credit-counseling-why-a306.html Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide debt relief for most enrollees. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/always-avoid-payment-holidays-a305.html Once you’ve been paying off a credit card for a while, you might be offered a ‘payment holiday’. You’ll get a letter, saying that since the company knows it’s difficult for some families around Christmas (or whatever other excuse they think up), they’re offering you a month off from paying, as a ‘special present’. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/low-interest-credit-cards-a304.html With interest rates rising, low or zero percent credit cards may soon become a thing of the past. However, the wise shopper can still secure a low rate by carefully shopping around. text/html 2006-07-05T16:24:16+01:00 http://www.mycreditcardsecrets.com http://www.mycreditcardsecrets.com/fixing-a-credit-report-a303.html Is fixing a bad credit report possible? Yes, and you can do it on your own, starting today.