Credit Cards Tips for You

Credit cards offer consumers more than just a chance to buy things before they have all the cash in one place. In situations where the cardholder is wronged or taken advantage of, credit cards offer a certain level of buyer protection. This makes credit cards the ideal form of payment when you are working with vendors, contractors, and purchasing services that may or may not pan out to your expectations.

If you do use a credit card to pay for services, it gives you a little bit of leeway when it comes to paying off the purchase. There is usually a little extra time between when you pay the deposit and when your bill comes due, giving you some breathing room in case something goes wrong with the job or the purchase. That way canceling a payment is much more feasible than if you had written a check, or worst of all, paid in cash.

Although consumer protection is probably the biggest benefit of paying for various contractor and vendor services with a credit card, you are sure to see additional benefits. For one, you shouldn’t overlook the fact that rewards credit cards provide additional value with your purchases, giving you points or money back based on what you spend.

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The ideal number of credit cards is a difficult number of come up with because different people have different financial situations. You can use some guidelines to help evaluate your number of cards.

If you answered yes to any of those questions, you should read Do I Have Too Many Credit Cards?. As you think about closing some credit cards, make sure any credit cards you close won’t negatively affect your credit.

Secure Application CREDITSHOUT RATING: Very Good If you are a Continental OnePass member, it may seem like these are turbulent times – pardon the pun.

As of March 3rd, Continental OnePass merged into United MileagePlus. However, all the talk and action regarding the merger between Continental and United really doesn’t require much of you and won’t cause too much of a stir in your financial life.

What will the merger mean for you? Will your rewards be safe? Let’s find out!

Popular Questions Filling The CreditShout Inbox

Will I Have to Manually Transfer My Account?

Alright, you’re going to have to listen to a robot tell you to select from a bunch of options, wait on the phone forever and talk to an overwhelmed customer service representative to switch over to the MileagePlus plan, right? Maybe you’ll have to fill out a load of paperwork, too, while walking backwards across a tightrope. This is going to be a hassle, isn’t it? Not exactly.

As of March 3rd, you’ll automatically be enrolled in United MileagePlus. Your OnePass ac

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Payday loan companies are currently under scrutiny from the OFT amid concerns they may be targeting borrowers in financial difficulty.

Although companies operating in this sector say they are responsible lenders who deal only with customers who are in work and have the means to repay their loans, as Amelia Gentleman shows some are being allowed to take on debts even if they have no job and no way to service them.

We would like to find out more about the people taking out payday loans. Have you borrowed in this way, and if so was it through choice or as a last resort? Were you able to repay it in time or did you have to “roll over” your borrowing? If you would like to share your story please fill in the form below.

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If you feel you pay too much in fees, listen up; RushCard is streamlining its fee structure for the Prepaid Visa RushCard and is getting ready to launch its “RushUnlimited” Plan. Many customers who choose the new plan can make unlimited signature and PIN transactions for a new lower monthly fee. The “RushUnlimited” Plan, available in March 2012, will not only deliver increased payment flexibility, but will also provide a simplified fee structure for new customers and existing Cardholders choosing from within RushCard’s robust suite of money-saving solutions. Cardholders across all “RushCard” plans, the fees for bill pay enrollment, individual bill pay transactions, plan changes and replacement cards will be eliminated.

Get your RushCard Today!