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No Deposit, No Interest, No Repayment Offer. Very Interested !
From time to time, this familiar phrase “No Deposit, No Interest, No Repayment” comes on the commercial break on your TV. The offer varies the period. Sometimes only for 12 months, but if the time is right it can be up to 40 months. (Yes, only about 3.5 years later you need to worry about the payment). Sounds to be good to be true? Actually, it’s not. It’s real and simple and everybody happy. You just need a discipline !
No Christmas Debt Next Year !
Christmas is about giving, and that’s exactly why we got another “Christmas Debt” this year: buying too much gift or too expensive gift for all the one we care. The problem is we know each time that we will a bit overspend during Christmas, yes, we can blame it to the holiday spirit, but we need to do something to make sure next year we will be without xmas debt!
Manage Your Only Credit Card: Don’t Fall Into Debt, Get Out If You There !
I can think 2 main categories why one doesn’t want to have or use credit card. First one is due to some supernatural strange belief related to debt and the use of money. Really cannot do anything about this. The second category is the one that not really sure how to use or manage a credit card and don’t want got trap into debt trap. Well, I can help with this one.
Credit Card For Overseas Travel: What Is The Cost?
More and more people are traveling overseas compare to 10 years ago – thanks to globalization and the boom of “low cost airline”. But how they actually fund themselves on that overseas trip? I would bet that most of them will just carry the cash with them. Probably they don’t really know that their credit card can be used for the trip. But what is the cost of doing that ? Let see why using credit card should be the most convenient, cheap and safest way to use for your next overseas travel.
Credit Card For Online Transaction, Is it Safe?
With tremendous popularity of the internet, more and more people now make their first online transaction. And when talking about online transaction, the most convenience tools for such transaction is credit card. Using credit card give both seller and buyer immediate settlement, the money is immediately changing hand, no need to wait clearing time, no need to wait until the next business day, etc. But how about the security of the credit card? Is it safe to make online transaction with credit card ?
Increase Your Credit Limit on Your Credit Card, or not?
From time to time, I always got a letter from my credit card issuer offering to increase the credit limit of my credit card. Some times, I take the offer and have my credit card get higher purchasing power, but most of the time that letter go strait to my shredder and then rubbish bin. So, when actually we need to increase the credit limit, and when we don’t? This is my guideline…
Credit Card: Income Revenue For Issuer
I still remember when I first got my credit card. There is a feel of proud, importance and excitement that now I can just swipe the card to pay anything. And I also still remember how careful I was for filling the application form just as careful when I did the high school diploma test. I guess at any different level all of us will feel pretty much the same, we are all feel that the credit card issuer is the one taking control of your destiny of whether or not we will got the credit card. We are all maybe don’t realize that the one more eager for us to apply is the credit card issuer. They made a handsome money for all our credit card use.
Benefit of having 2 (two) Credit Cards of Similar Value
Two credit card are considered of similar value if both of these credit cards have similar credit limit, similar interest rate, both have reward program and have similar interest rate period. The credit card can be issued by different bank, or have different brand (i.e: Visa vs Mastercard) but as long as 4 factors above are similar, it still can be consider of the same value. So, why we will have a benefit if we can have 2 credit cards of similar value ?
Credit Card Best Practices
If you have a credit card or considering have one, these are the summary of the best practices of owning a credit card: You only need to have either Visa or MasterCard. Other brands (American Express, JCB, Diners Club, etc) are not widely accepted, have higher cost although give you exclusive sense. Use credit card [...]
7 Ways to Maximize The Benefit of Credit Card
Credit card is a great product and extremely useful for day-to-day life activity. Nowadays, I would not be able to imagine a world without credit card. But yet, I can find some people even in the modern country like Australia or US that try to avoid credit card as if it’s an evil or illegal product. Yes, it’s true that credit card could trap you into debt, but the same thing as knife analogy. Knife could kill, but it’s very useful, then people need to learn how to use and respect knife rightfully not avoiding it. How people can learn how to use credit card properly and squeeze out all the benefit of a credit card ? By financial education… Let’s start with these 7 items