Tuesday, October 24, 2017
 

Pay Off Credit Card Debt: How And Why You Should

After you pay off credit card debt

Credit card debt is in epidemic proportions currently because of several reasons. For some an emergency may have burdened them with credit card debt, some others it might have been lack of knowledge about credit card use.

To pay off credit card debt takes discipline and planning. It can be done, and to pay off credit card debt is a huge achievement. There is sometimes more to it though than just to simply pay off credit card debt.

Here we are talking about the life after you pay off credit card debt successfully. As mentioned before, of all the people that try to pay off credit card debt not everyone is able to pay off credit card debt i.e. there are some failures too. However, some people fail after they have succeeded in paying off credit card debt.

These are those people who let themselves loose and go on a spending spree as soon as they pay off credit card debt. Soon, these people again land up with a credit card debt and are again trying to pay off credit card debt.

So the point here is to maintain a debt free attitude after you pay off credit card debt. If you are able to do that then you will enjoy the wonderful benefits of being debt free.

Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt. Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:

1) Try not to overspend. Yes this may seem obvious when you think about it, but it’s easier said than done.

2) Maintain your credit card debt within 70% of your allowed credit limit.

3) Make credit card bill payments in time and in full.

4) Don’t hold more than 2 credit card accounts (two are enough for anyone)

These are just very basic things; you can add more based on your own experience and knowledge.

Learn more about how you can pay off credit card debt, stop by Jason Wilson’s site where you can find out all about how to pay off credit card debt the right way.
 

banned Mastercard commercial “funny as hell!”

One of my favorite commercials, this is relly my kind of humor, i hope you laugh yust as mutch like i did whean i saw it 😀
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How to get a car loan with bad credit #OhioCarGirl

How to get a car loan with bad credit #OhioCarGirl

How to get a car loan with bad credit from Melissa Granke of OhioCarGirl.com. I’ve spent 5 years working in a dealership including as a desk manager and I know what it takes to get you approved.

These three questions give you the information you need to get APPROVED. Learn from my experience and be prepared to go into the dealership and feel confident that you can get the loan you need.

If you have any questions, feel welcome to contact me directly at OhioCarGirl.com.
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The truth about Car Loans! Stop Paying Interest!

What are you really doing with getting a car loan? How much more are you paying because you didn’t or couldn’t wait any longer before buying a car? Let’s discuss!

NPR Article: http://www.npr.org/2015/03/19/393642148/more-americans-opt-for-risky-long-term-car-loans
Auto Loan Calculator: http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx

Save Money on Auto Loans with a Credit Union, Bank or Dealer?

Discover the differences that could save you thousands on your auto loan. http://tinyurl.com/9j8hhcn
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Top 3 Best Secured Credit Card

For anyone who has either bad credit and is trying to rebuild it, or has no credit and is trying to establish it. It is a good idea to get started with a secured credit card

In this video we will cover what to look for in a secured card and go over the top three that are available right now to get.

But first let’s review quickly what a secured credit card is…

A secure credit card is different from a normal credit card because it requires a deposit of your own money of either dollars or up 0 dollars and uses this money as collateral in case you miss a payment.

There are two main reasons why people do this, the first is to repair their credit. If a person has bad credit because they have missed payments before they will have a hard time getting approved for a credit card. However if they pay the down deposit for a secured credit card then a bank or credit card company will feel safer in lending them money because they already have the down deposit to cover any missing payments.

Now the second reason is to establish credit. If you have no history of paying things back how can a bank know that you are able to? This is where a secured credit card comes in handy. When you pay your down deposit you are showing the bank that you committed to establishing credit and can be trusted in having a credit card.

Paying the down deposit and getting a secured credit card will help increase your chances of getting a credit card.

Here is what to look for in a secured credit card

The first thing is A low annual fee or no annual fee at all. The best cards are going to have no annual fee or an annual fee of below dollars

The second thing You are going to want a low APR or monthly interest rate. This way in case you have money sitting on your credit card you won’t get charged much

The third thing is A card that reports to all three credit bureaus. If you are trying to establish credit or build up your credit then you are going to want a card that reports to all three of the bureaus because if you are paying your credit card off every month then your score will go up

The last thing you are going to want to look for is the cost of the deposit. Some cards for will a dollar for dollar trade off. For example a 0 dollar deposit will give you a 0 dollar limit. Other cards but give you a different ratio such as a 0 deposit for a 0 dollar ratio. This depends on your current credit score though.

Now that we know what to look for in a credit card let’s go over the top three secured credit cards that can be used to either establish credit or repair it

One of the top credit cards that had been recommended is the secured MasterCard from capital one. This card requires a security deposit of either , , or 0

There is no annual fee

It reports to all credit bureaus

However it does require a credit check so depending where you are with your credit it how much of a deposit you will have to pay or if you can get approved at all

The next most recommended card is the discover it card

This card has no annual fee

Reports to all three credit bureaus

Requires a minimum security deposit of 0

Requires a credit check

You earn earn rewards of up to 2% and cash out on the rewards at anytime

The last and best card for those who have zero credit history or really bad credit is the open sky card.

There is no credit check required

This means that they will approve anyone who pays the 0 deposit

The only negative to this card is that there is a annual fee of dollars. This can be worth it though in comparison to any high fees you may have to pay due to low credit score.
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Today’s question is: Why do banks sometimes turn down applications for secured credit cards?

Ask us your credit questions in the comments and learn more about secured cards here: https://www.creditcardinsider.com/credit-cards/secured/

Secured cards are generally targeted to consumers with poor or no credit. The applicant will make a deposit to the bank, and then receive a card with a credit limit based on that deposit. In some cases, however, a person may be denied for a secured credit card even though they fund the deposit. It turns out that these cases are not always very profitable for the card issuer, leading to a surprising number of denials.

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we may answer your question on YouTube!

To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at https://www.creditcardinsider.com/learn/

If you’re looking for a credit card, start your search at https://www.creditcardinsider.com/credit-cards/

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Cool 3 Credit Scores images

Some cool 3 credit scores images:

Image from page 607 of “Canadian grocer July-December 1898” (1898)
3 credit scores
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Identifier: cangrocerjulydec1898toro
Title: Canadian grocer July-December 1898
Year: 1898 (1890s)
Authors:
Subjects: Supermarkets Grocery trade Food industry and trade
Publisher: Toronto : Maclean-Hunter Pub. Co. [1887]-
Contributing Library: Fisher – University of Toronto
Digitizing Sponsor: University of Toronto

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Text Appearing Before Image:
S. Vice-President. A. W. Austin. Head Office – TORONTO AGENCIESRelleville Cobourg Lindsay Orillia Brampton Guelph Napanee Oshawa Seaforth JX Uxbridge Whitby Winnipeg MontrealToronto—Dundas street, corner Queen. Market, corner King and Jarvis street. Queen street, corner Esther street.Sherbourne street, corner Queen.Spadina avenue, corner College.Drafts on all parts of the United States, Great Britainand Europe bought and sold. Letters of Credit issued available at all points in Europe,China and Japan. R. D. GAMBLE, General M* 3*. a x Price Complete .50 W Ifyoi Adams* Large BronzeFlower-Girl…… CLOCK With TVTT1 FRLTT1 GUM and Other Brands. Gum Retails for 98 20 Large Bronze Flower-Girl Clock 5 00 Size10 x 12inches Price complete .50. 20 If your whi not got the above, or is just all out of it, drop postal card to us ami we will see that your order is attended. It is our wish that every retailer should have one. ADAMS & SONS CO. ii and 13 Jarvis Street, Toronto, Ontario.

Text Appearing After Image:
These are the only goods of their kindthat score 100 points perfection frith theRetail Dealer and Consumer. Well adver-tised, need no talking up, Consumers knowthem all over Canada. Sold by the whole-sale trade in Montreal, Ottawa, Toronto,London, Hamilton, Brantford, Etc. Manufactured by The ALPHA CHEMICAL CO., Berlin, Canada, Eddys Standard Automatic, Self-opening, Square-bottomed Grocery Bags Are now offered in Open Competition With the old style, obsolete, put-your-hand-in-to-open bag. Write for Lists, Discounts, Terms, and Delivery, to The E. B. EDDY COMPANY, Limited Hull, Montreal, Toronto, Quebec, Hamilton, London, Kingston,Halifax, St. John, N.B., Winnipeg, Vancouver, Victoria, St. Johns, Nfld. THE CANADIAN GROCER 41 Southwells Goods raeS New Seasons Delivery

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Image from page 357 of “Lake Forest College stentor” (1904)
3 credit scores
Image by Internet Archive Book Images
Identifier: lakeforestcolleg19lake
Title: Lake Forest College stentor
Year: 1904 (1900s)
Authors: Lake Forest College
Subjects: Student Newspapers and Periodicals College student newspapers and periodicals
Publisher: Lake Forest, IL : The Stentor
Contributing Library: Lake Forest College, Donnelley and Lee Library
Digitizing Sponsor: CARLI: Consortium of Academic and Research Libraries in Illinois

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Text Appearing Before Image:
TT • -^ r XT ,1 fust bote for ur-up, ware hee seaze the department at the University of North ., , r, ■ , , r-, , . T, , J 1.1 ,-, r Alpz and rarris, and ots moar uv plases Dakota. Ihe work done by the editors of ^ , ^ ., 1, 1 -, -,, , ,-. , ,. wee sea on the mapp. In the otum hee the college daily will be credited according . ^ ^ . .V „ . , kums hoam and telz us a hole bunsh uv lizeto the amount done. he got out uv a gyde-buk and expex uss tu Columbia has two great dormitories beleave it awl.under construction. They are each to be Doant thinck prophessurz iz phoolz; nine stories high and will contain 303 rooms, tha git pade fur dooin this, jest uz men git These buildings will be dedicated next June pade fur dooin reel wurk. Tha arrcnt kno at the 150th anniversary of the university, durn giid tu ennybuddy, but tha git ther The faculty of Cornell Lniversity in- munny, witch iz awl tha knead tu kare.— stituted an important ruling to the effect The Daily Maroon. 348 THE STEXTOR

Text Appearing After Image:
Win a Good Game. Lake Forest won a close game from St.Viateurs Collec;e at Kankakee last Saturdayby a score of 3 to 2. The Kankakee menput up a good article of ball, and forced theLake Forest team to their best paces. Zim-merman and Stark were not with the team,Charleson and Hobbs taking their placesand McCrea occupying the backstop posi-tion. Only one of the three errors wasmade by a substitute. Both pitchersshowed splendid control, but Bethard wasmore successful in keeping the hits scattered.Charleson pitched the first innging forLake Forest; no runs were made off hisdelivery, but he was being hit rathertoo freely and Bethard changed places withhim and allowed but four hits for the rest ofthe game. The score;Lake Forest R H P .- E St. Viateurs R H p . E01 221 Hickey. ss. . o o 2 i 00 120 Alonahan, cf o oII 100 Martin p.. . . i i o 0 o I I I Sheil, 3b o o 10 1 1 2 3 I Kelly, lb. .. I I i 02 400 Devine, rf… o o i01 200 Stock, c.. . . 0212 Charleson, ib i i 8 o o MDonald.2b o i oJ.

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Image from page 613 of “Outing” (1885)
3 credit scores
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Identifier: outing29newy
Title: Outing
Year: 1885 (1880s)
Authors:
Subjects: Leisure Sports Travel
Publisher: [New York : Outing Pub. Co.]
Contributing Library: Tisch Library
Digitizing Sponsor: Boston Library Consortium Member Libraries

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ecidedthat Berkeley and De La Salle must skate off their tie in a series of races at some date to beselected hereafter. The scoring for the school banner was onthe basis of 5 points for a first place, 3 pointsfor a second place, and 1 point for a thirdplace. The score was : Berkeley, 13 ; De LaSalle, 13 ; Cutler, 8 ; Trinity, 1 ; Harvard, 1. 220 yards, final heat.—A. Y. Morgan, De La SalleInstitute, 24 3-5S ; R. Paulding, Berkeley School, 2 ;F. Proctor, B. S., 3. Quarter mile, final heat.—R. Paulding, 53s I A. Y.Morgan, 2 ; S. W. McClave, Trinity S., 3. Half mile, junior, final heat.—R. Inman, Cutler S.,im. 43 4-5S ; A. P. Coffin, C. S., 2 ; F. Proctor, B. S.. 3. One mile, final heat.—A. Y. Morgan, 3m. 7 2-5S; R.Paulding, 2 ; F. Einstein, Harvard S., 3. RACING AT ORANGE LAKE, NEW YORK. January 16th,—Ice in fair condition. 220-yard schoolboy team race. — SpencesBusiness College, 1; Newburg Academy, 2. Five miles.—E. Thomas, West Newburg,16m. 45 2-5S. 604 OUTING FOR MARCH.

Text Appearing After Image:
CHAS. L. MCCLAVE. THE AMATEUR CHAMPIONSHIP MEETING. The Executive Committee of the NationalAmateur Skating Association entrusted themanagement of this years championship meet-ing to Mr. W. H. Robertson, the sole survivingmember of the Outing Athletic Club, havingentire confidence in his honesty and ability tobring off the meeting in a proper manner ; andthe result shows that their trust was not mis-placed. In a climate like that of New York,where there is no assurance of to-days ice last-ing till to-morrow, or that there will be any iceon any given day named a week in advance, itis not easy to advertise a championship skatingmeeting and bring it off in strict accordancewith the schedule. The weather this year wasrather more annoying than usual, and that themeeting was finally carried out with only twopostponements and only one change of placereflects great credit on Mr. Robertsons execu-tive ability and perseverance. In almost all other branches of athletic sportcompetitors confine th

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