Credit Cards Tips for You

The Slate from Chase credit cards are known for their debt management tools and other helpful resources that can assist cardholders in reducing credit card debt through responsible financial awareness and smart budgeting practices.

With all the various Slate credit cards, new card members can receive a really attractive introductory 0% APR for between 12 months to 15 months. Additionally, cardholders are also free from paying an annual fee.

The Slate from Chase cards give cardholders the ability to transfer high-interest balances from other cards over to their new Slate account. Allowing cardholders to get their debts under control via lower monthly payments and no interest for a whole year. In most cases the transfer fees are nominal and much lower than other credit cards.

However, the cornerstone to the Slate cards is the revolutionary “Blueprint” program, which provides four strategic tools to pay off (as well as manage) your credit card balance. Thi

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When applying for a credit card, many people are more concerned with the credit limit on their credit cards or the interest rates they are being charged than with the fees that may be associated with the account.

Some cards are advertized as “prepaid cards, no fees.” However, many cards have at least some fees. It is very important that you shop around to find cards with the best mix of low fees, low interest rates and high credit limits to suit your needs.

There is a wide range of types and amounts of fees a credit card may have. Here are some of the most common types you should look for:

• Application Fee and/or Set Up Fee – a fee charged to open your account
• Annual Fee (may also be called a Membership Fee or Participation Fee) – may be charged once a year or pro-rated monthly
• Balance Transfer Fees – either a flat fee or a percentage of the amount transferred
• Cash Advance Fees – either a flat fee or a percentage of the amount of the advance
• Credit Limit Increase Fees – charged if you ask for, and receive, an increase in credit
• Late Payment Fees – charged if your payment is received after the due date
• Over the Limit Fees – charged if you make a purchase that exceeds your credit limit. Under the

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With everything going on this time of year- gift buying, family gatherings, office parties, secret Santas and of course losing those 10 lbs of holiday weight first thing next year at the gym (resolution #1 of course).

There is one thing on your list that lets face it -no one likes to pay.

Annual Card Membership Fees.

The end of the year is a perfect time to start thinking about a credit card that does NOT have an annual fee. Timing a switch now allows you to avoid paying as much for the privileges of using your credit card next year.

Yet if youre still stuck carrying a balance on those old cards, no worries! Here are a couple of credit cards that you can transfer your outstanding balance toand that have nice, long 0% APR on balance transfers for you as well. Plus No Annual Fee!

The Slate® from Chase MasterCard and the Discover® More Card 18 Month Promotional Balance Transfer are ideal early and late holiday gifts to give yourself. They “present” you with no annual fee and over a year before you start accruing interest for balance transfers.

Use the Slate from Chase MasterCard if you are seeking a card that arms you with the power of Blueprint so you can design your own repayment options. Or if

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It is vital that a borrower who would be seeking credit reports from all the bureaus prior to obtaining a particular loan. Having annual credit report generation physically, one may needs to spend a small fee. Number of agencies are there, who claim of offer one a free annual credit report. However, it is desirable if a prospective borrower opts for such a report prior to getting a loan. To get annual credit reports, searching online is a good means to begin.

There is a correlation between getting a loan and credit scores of the borrower. The free credit scores are provided by three bureaus assessing one’s personal details. The free credit scores are not actually always free of cost and one has to pay a small amount for getting this report. In the arena of credit scoring and credit reporting the word “free” gets circulated very liberally, particularly while it matters to services and products marketed to sold to consumers through retail sites and “free” in various occasions signifies “conditionally free”. Only Read more…

Time flies when youre having fun, or just getting busy with your life, and suddenly its the holiday season again!

Kids are excited about their Christmas break, parents are frantically preppin the house with holiday décor, students are eager to go home for some eggnog and family fun, etc. But one thing everybody starts to stress about is all the holiday shopping they need to get done.

During these ongoing rough economic times, its important to do some smart shopping and protect yourself against credit card fraud and many other things that can negatively affect your holiday season.

That is why we have compiled a list of the top four holiday tips to ensure you have a merry good ol time with family and friends, no matter where you are or what your financial constraints may be.

Youll come across some “amazing” offers that will seem really hard, or sometimes almost impossible, to pass up. But just as the devil on your shoulder may try to tempt you to buy, buy, buy the angel on the other side trying to knock some sense into you shouldnt go unnoticed either.

Set aside a budget of how much you can afford to spend this holiday season and heres the catch: STICK TO IT. That

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