Wednesday, October 24, 2007

Who Needs 0%APR?

Who doesn't? Converting your hight interest debt to 0% can be worth thousands of dollars. Finding a credit card that's right for you can be intimidating. Go to and compare the best offers available side by side. It is easy to choose and apply instantly, click here.

Saturday, June 2, 2007

Repairing Your Credit

You should obtain a copy of your credit report (from any of the three major credit bureaus) at least annually and check it for accuracy. As you review your report, make a list of items that are incorrect, out-of-date or misleading. In particular, look for mistakes in your name, address, phone number, Social Security Number, and for missing or outdated employment information.
You have specific rights under the Fair Credit Reporting Act. For example, you are entitled to a free copy of your credit report if you've been denied credit, insurance or employment and request the report within 60 days of notice, or if you can prove that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud.
To repair questionable items on your credit report, you can seek help from consumer credit counseling agencies or law firms such as Lexington ( You can also clean up your credit report on your own, so beware of credit repair scammers that offer ?exclusive? credit repair remedies for high fees.

There's no charge to dispute mistakes or outdated information on your credit record. Simply ask the credit bureau for a dispute form and submit it with any supporting documentation.
Once you're satisfied with your credit report, you can proceed with applying for a credit card with confidence. After you receive your card, be sure to use it responsibly to enhance your credit history. Never spend more than you can afford, and always pay your bills on time and in full.

Find the right card for you at

Building a Strong Credit History

Secured, co-signed and pre-paid credit cards offer viable options. But you should start building a strong credit history, so you can obtain a regular credit card on your own in the future.
First, you need to understand how credit card issuers determine credit worthiness. The approval criteria varies from among issuing banks, but generally relates to what's often called the three C's of credit: capacity, character and collateral. Capacity refers to your ability to pay based on your income and existing debt. Collateral refers to any assets you have that can secure payment, such as bank accounts or home ownership. Character refers to factors like your payment history, length of employment, etc.
To get a good idea about how your application will fare with credit card companies, check your credit history with one of the major credit reporting agencies: Experian (, Equifax ( and TransUnion ( These agencies access your payment information directly from the companies you have credit with, as well as from government agencies such as the legal court system.
Credit reporting agencies use the information in your credit history to determine your credit rating or credit score. Credit scores, also known as FICA or Beacon scores depending on the CRA, generally range from 350 to 850. Most banks will approve you for credit if your score is at least 620. If your rating is 720 or higher, banks will offer you their lowest interest rate.
Generally, y our credit score is determined by your payment history for the last two years. T echnically, CRAs calculate your score using a closely-guarded formula. TransUnion, for example, determines credit scores using a variety of factors, including: how you pay your accounts, how much you owe and how often you've applied for credit.

Finding the right card for your score is easy at

Credit Cards with a Co-Signer

With co-signed credit cards, the co-signer guarantees and is responsible for the debt. This means that the co-signing person is responsible for paying the full amount of the debt if the card holder doesn't pay. In fact, when co-signed debt goes into default, three out of four times co-signers are normally asked to repay what is owed, according to the Federal Trade Commission.
Furthermore, the issuing bank can attempt to settle the debt without first trying to collect from the card holder. The bank can also use the same collection methods against the co-signing individual, including suing and garnishing wages. If the debt is not paid, it can leave a negative mark on the credit history of the co-signer, as well as the card holder.
Despite the risks, a co-signed credit card can be great tool for helping a friend or relative build their credit history so they can one day obtain a card on their own.

Secured Credit Cards

With a secured card, you secure the card by depositing cash up front in a savings account or CD. The amount of funds you place on deposit will generally match your credit line. Your card issuer maintains a lien on the deposit account, which you stand to lose if you fail to make timely credit card payments.
While many people have heard of secured credit cards, unsecured or regular credit cards are more common. With an "unsecured" card, the issuing bank has no right to take specific assets of yours if you don't pay your bill. Instead, the bank would have to sue you or force you into bankruptcy to collect.
A secured MasterCard or Visa looks just like a regular one, and the law ensures that it has all the same consumer protections. However, a secured card typically carries a higher interest rate. But a secured card can be a good deal because it offers you the convenience of having a credit card while you work on establishing or rebuilding your credit.

Apply for your new secured credit card right now, click here.

Getting Approved for a Credit Card

Getting approved for a credit card can be difficult without a positive credit history working in your favor. It's a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit!
This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn't have to if you understand the type of credit cards available and how to build a good credit history.
When it comes to credit cards, the type of card you apply for will depend on your situation. If you're a student, you'll, naturally, sign up for a student card. But if you're a non-student with a non-existent or bad credit history, a card that is secured or obtained with a co-signer may be your best option. has top offers from creditors to fit your needs, check them out and apply right now.

Friday, June 1, 2007

Store Cards Are Not Your Friend

If you have credit cards at your favorite department stores, you should stop worrying about the rate on your VISA or MasterCard and take a look at these. Rates on these are typically in the 18-22 percent range and can even approach the 30-percent mark, no matter how sparkling your credit. And bluntly stated, the issuers of these cards won't negotiate a lower rate.
The first step in getting this interest under control is to stop using your stores cards and cut those cards up now.
Next, head over to our home page at we have all the top offers for balance transfer credit cards, all with 0%APR. Consider moving these high interest store cards to a new card and eliminate the interest altogether.

Wednesday, May 30, 2007

Improve Your Credit Score

A higher score can give you more financial options and many favorable credit offers. If you already have a good score, you can still improve it. There is no way to instantly boost your credit score. But improvement is possible, no matter what your credit history includes. With patience, time and tenacity, you can get the credit score you desire. Regardless of your credit score, has a credit card that is right for you!

Tuesday, May 29, 2007

Cash Back Credit Cards

Head on over to right now to check out top credit card offers featuring cash back. Thats right, use these cards to buy the stuff you would buy anyway and get cash back. Find the cash rebate credit card that's right for you right now at

Monday, May 28, 2007

Vacation, Vacation, Vacation.

It's that time of year we all start heading off on vacation. What better way to get away then with the great travel rewards credit cards available from Whether your looking for credit cards with frequent flyer rewards, credit cards that offer rebates on all your gas purchases, or even a card that offers hotel rewards, has them all. Come find the one that's right for you and apply instantly right now.

Get A Credit Card Instantly

Go to right now find the credit card thats right for you and apply instantly right now. The credit card you have been searching for is here, come and apply right now, no wait.

No Annual Fee Credit Cards

You want them we got them, has the credit cards you want with no annual fee. Credit card companies make enough money, we want you to keep yours.

Eliminate High Interest Credit Card Debt

Come to and check out our offers on credit cards offering 0% apr on balance transfers. No matter how much credit card debt you have you can save a lot of money with offers like these, imagine paying your credit card bills without having to worry about that high interest rate!

Find a credit card no matter how bad your credit is.

At we have so many cards to choose compare, no matter how bad your credit is. We have credit cards for those of you with bad credit, for those of you with no credit, and for those of you who want the security of a secured credit card which can be a useful tool when you are restoring your credit. No matter what your credit card needs might be we have a credit card for you at, check us out now and apply for the credit card thats right for you.

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We continuously monitor market in order to bring you the best credit card deals in each category.

Best credit card offers are presented side by side, which enables you to compare them instantly by key factors such as: interest rate, fees, etc.


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The newest and best credit card site on the net, we have over 100 credit cards to compare head to head, then you can pick your favorite ones and apply instantly right from your computer. Please visit now to compare and choose your new credit card.