Credit Cards For No Credit [mortgageprotectiontips.blogspot.com]
Have a large balance on your credit card? Do you also have a large APR? Why don't you try transfering your remaining credit card balance to another card with 0% APR. Also make sure that the card has no balance transfer fees. If this isn't an option, try calling your credit card company to see if they can reduce your APR %. Even a 3% reduction can go a long way! Check out this site for a list of the best transfer credit cards on the market today. moneyning.com Subscribe! ‪www.youtube.com Frugalicious.net Facebook www.facebook.com Twitter: twitter.com Make your credit cards work for you -- Save money by transferring your balance to a new card with 0% apr, and no balance transfer fee. Check out the link below for a list of the best 0% balance transfer credit cards on the market today. If that's not an option, try calling your credit card company, and asking for a rate reduction. Simply flip your card over, and call the number on the back. If the first person you talk to can't help you, ask to speak to a supervisor. If you have a 00 balance, even a 3% rate reduction saves you 0 a year. The Frugalicious Show is a web tv show that helps you live the best possible life while spending the least amount of money. Bitsy and Erin share budget-friendly lifestyle tips on The Frugalicious Show, and Bitsy shares some of her favorite money-saving ideas in her weekly segment, Bitsy's Quick Tips. Learn how to live a Frugalicious life without sacrifice. Have a Frugalicious find you ...
mortgageprotectiontips.blogspot.com Transfer your Credit Card Balance! - Bitsy's Quick Tips -
Using a credit card when you travel is easy and secure, and you can see everything you spent in one place when you get your monthly statement. But when that statement arrives, you may be shocked to see an extra 3 percent added to each purchase you ... 36 Top Credit Cards Without Foreign Transaction Fees
When you are a student or have no credit history it may be a daunting task to figure out where to begin. Here a few pointers to help you establish credit and get your first credit card.
*Have a checking or savings account with a steady sum of money in it for at least 6 months.
*Your parents could help, buy asking for additional credit cards in your name. The parent does not have to actually give you the card. I found this out with my son-when he went to college, and applied for student loans he had established some credit with Sears card. I do not know which other cards this will work with.
*Try to get a department store card. I do not recommend using store cards because interest rates are high. For the purpose of establishing credit, you could get a store card, put a couple of purchases on them and pay them off. If you do not purchase anything with it, credit card companies can not recognize weather you pay responsibly.
* Employment history is a factor that is considered by most Credit Card Companies.
You should have the same job for 6 months or longer. The longer the better.* Utility bills, and cell phone bills on some occasions can some times help in determining your Credit worthiness.
Okay, above I have outlined what you need to do in order to establish credit in order to get a real unsecured credit card. But you may want to jump start the system and get a secure credit card.
* A secure card is often secured with money- more like a bank account.
* Some secure cards require a security deposit. If you do not pay, they take the deposit.
* Other secure cards only allow you to use them at certain stores.
* In most cases Secure Credit cards for no credit will require you to deposit your credit line on top of the security deposit.
Say deposit $ 500 for a $ 500 credit line.* There are also annual fees associated with secure credit cards for no credit.
* Before signing up for that secure credit card be sure to read the "Terms of Service", that should be somewhere on the application. It is very important that you understand all of the fees associated with a secure credit card.
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