Paul Hata

Paul Hata is active in various social and community programs aimed at providing equal access to education,health and jobs to all.Paul has over 10 years experience in managing a multi-million dollar advertising company.Paul can be reached at -
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Types Of Credit Cards Available To Students

Citi Dividend Platinum Select Cards are one of the few cards offered for college students. The card offers a 0% Intro APR up to six months and 5% cash rewards on qualified purchases, including purchases at pharmacies, gas stations, and grocery stores. There are a 0% Liability on fraud purchases and no annual fees. The cardholder will also have free online access to their account.

Types of Business Credit Cards

The Visa Business Cards help businesses to gain freedom from finance, and is a smart plan for managing your money. Few card providers offer detailed credit reporting to help businesses prosper by increasing their credit ratings. The cards can help businesses separate their personal debts and business debts.

How To Build Your Credit With Credit Cards

We live in a rich man's world, with selfish, irresponsible, undignified individuals running the show. Therefore, if you are looking to build your credit with credit cards then there are things you should know.

Questions To Ask When Considering Credit Cards

You will need to ask the card provider of the Credit Cards you are considering what the APR entails. Many cards include APR on late fees, purchases, cash advances, and balance transferring. Therefore, if you are looking for a Credit Card then make sure the card provider explains in detail what the APR entails.

What Is Bad Credit and Unsecured Credit Cards

If you have bad credit, then be aware that providers that offer unsecured credit cards may require a small deposit. The deposit is a security to the lenders that if you fail to make payments, they can use the deposit to meet the debt amount. If you apply for the card and are approved, most likely you will not receive a credit line above the depositing amount.

Tips For Credit Card Security

If you have a major credit card, store the card in a safe location. Forget that "never leave home without it" crap, rather leave home with your credit card only if you feel you will need it for an emergency, or if you are going on a trip. Only use your cards at places that are proven trustworthy.

How To Compare Credit Cards

Few cards are compliant with others, and other cards are competitive. Most credit cards offer 31.99% APR on cash advances, which is fairly steep. Other cards may offer 30.99% APR on cash advances, which is also high, but it is a percentage cheaper and can save you money.

What Are The Grace Period For Credit Cards

I have noticed few cards that have 20-day grace period, and frankly, this is not enough, since most all other cards offer 5-days longer. If you notice in this plan offered the card offers Fixed Rate APR. This is another important logic if you are applying for major credit cards online.

What Is Guaranteed Approval For Credit Cards

Those letters, sales person and advertisements online that claim to offer Guaranteed Approval for Credit Cards is misleading, since not everyone is approved for credit cards. Since person with bad credit often find it difficult to get credit cards, and often feel frustrated from rejections, then going online can help, since more providers are helping people with credit issues today.

How To Create Credit With Credit Cards

If you do not have credit and want to apply for a credit card, then one of the smarter things to do is contact your creditors, requesting letters as reference. Any creditor may include utility providers, insurance providers, and so on. For the most part, if you have paid your bills faithfully longer than one year then the creditors are likely to give you a letter of recommendation.

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