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Online Credit Cards Tips

5 Tips to Attack Credit Card Debt Video

December 20, 2009

Video Summary – (beware of the Poor sound quality)

5 Tips to Attack Credit Card Debt

1. Find out WHO you owe – Collect your statements

2. List out how MUCH you owe – Gather all your bank statements and add up your total debt

3. Create your Budget -  Try a free online budget at moneysavingexpert.com

4. Choose the Right program – freedebtexam.com

5. Choose the Right company – debt-professor.com

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How to Consolidate Credit Card Debt

November 1, 2009

Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance transfers, with advice from acertified public accountant and credit counselor in this free video on debt management.

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Tips for rewards cards Video

October 18, 2009

Making the most of your rewards cards can be a complicated thing. Helpful tips on how best to handle those rewards credit cards.

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Avoiding Credit Card Debt Tips for College Students

September 27, 2009

Credit card companies are marketing to college students on campus and social networking sites.

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Credit Card Traps Tips

June 27, 2009

credit card tips traps

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Avoid Store Cards

May 14, 2009

store-cards-tips
store-cards-tips
Store Cards are similar to credit cards branded with the name of the store like Tesco, John Lewis, Marks & Spencer that issues it and can be used only to purchase goods from that chain. They’re often confused with loyalty cards, yet with store cards you can ‘pay and borrow’; with loyalty cards, you just gather points.

They are often promoted heavily in stores and can initially appear attractive, but beware there are many more disadvantages attached to them.

Avoid Store card Tips

  • Excessive rates of interest
    The interest on most store cards is massively more than a standard credit cards up to 30% APR.
  • Pushy Sales Staff
    Untrained staff get paid by commissions for signing people with little knowledge about the high interest rates
  • Hiding the facts
    It often isn’t very clear when you sign up in store as to what the APR or interest rate is.
  • Limited Offers
    Initiate offers get people to sign up and then they raised the interest rate to record highs.
  • You are compiled to spend in the store
    With these cards the stores guarantee that we spend on them in their shops.
  • Never, ever, use a store card to borrow on.
    If you have one, whatever the reason, always ensure you pay off in full

    Store Card Tips and when to use them

    There are some times we can profit from store cards, yet of course this is providing you never, ever, ever use them for borrowing on.

    Reasons to use a store card:

    • Grab the initial discount offers.
      Many store cards offer a bribe for signing up at various times – such as 10% off the first time you spend on it.
    • Anything at the discount rate too.
      Then get the discount, they get it as well and you pay off the balance in full so there’s no interest charged.
    • Ask friends & family if they want use the store card discounts.
    • Membership benefits.
      Many store cards have special store card holder evenings and offers, a bit like a membership club.

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    Tips for Protecting Againist Online Credit Card Fraud

    February 3, 2009

    Protect your Credit Card
    Credit card fraud is a problem but compared to the sheer volume of online purchases made every day, the number of credit card fraud are relatively low. However, many online shoppers may not be aware of their responsibility in protecting their personal details from the fraudsters, but they can make a huge difference by consciously taking steps to dramatically reduce their chances of becoming casualties of online credit card fraud.

    Never Give Out Your Details

    Never ever enter your credit card details via strange websites or emails. There are emails / websites that look very similar to the real source designed to steal credit card details. Only enter your details at the official credit card website

    Protect Your PC Against Credit Card Fraud

    The first line of defence against credit card fraud must be the latest Internet Security Software. Quality Internet security software will protect against hackers, trojans & virus. This will stop hacker and criminals stealing bank login details.

    Our recommendation for Quality Internet Security Software:

    Strong Credit Card Passwords

    Your online credit card account should be kept safer by having unique strong username and password.

    Use the guide below to choose a strong password:

    • Combine letters, numbers, and symbols like Hello!1
    • Make it lengthy – 8 +
    • Use words and phrases that are easy for you to remember, but difficult for others to guess

    Shop with Secure Websites only.

    When shopping online, it is best advised to shop with websites that you feel are safe and secure. It is best to use well-known payment method/gateway or third parties such as WorldPay or Paypal.

    Do a Credit Check

    Viewing your credit check online allows you to double check any fraudant activites under your name.

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