How to use your credit cards to get free stuff

Posted by administrator | 04/11/11 | Tagged Credit Card

How to use your credit cards to get free stuff
News from ABC15.com (KNXV-TV):

They’re in your mailbox, online and on television. Credit card offers promise big rewards, but which ones are really the best?

We found the best three cards for travel, cash back, and gas or restaurant rebates.

Michele Putman, from Phoenix, is an avid traveler who doesn’t pay for airline tickets.

Putnam scores free travel using her American Express card. She has traveled to South Africa and Spain by using the rewards points she earned from her American Express Green Card.

Bill Hardekopf is the owner of Lowcards.com , which reviews the best cards with the best benefits.

Hardekopf suggests consumers find a card that will fit their needs.

There are airline rewards cards geared toward people who like to travel.

If you like to work in the yard, there are cards that can help you earn points toward home improvement expenses.

You can earn points toward hotels, too. There are even ca…………… continues on ABC15.com (KNXV-TV)
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Student debt surpasses credit card debt

Posted by administrator | 04/11/11 | Tagged Credit Card Debt

Student debt surpasses credit card debt
News from The Beacon-University of Portland’s student-run newspaper:

The total loan amount of students attending a college or university this year exceeded $ 1 trillion, making student loan debt greater than credit card debt for the first time. This is up from last year, when total loans exceeded $ 100 billion.

According to Janet Turner, head of financial aid at the University of Portland, the average amount of undergraduate debt for the 2010-2011 graduation class was $ 20,310 per student. The total student loan debt for UP undergraduate students for the 2010-2011 academic year was $ 10,769,045.

The devastating combination of high student loan debt and job unavailability is an economic detriment for students and families across the U.S.

“There’s a lot of outcry on student debt because nationwide the economy has made finding a job difficult,” Turner said.

On Oct. 26, President Barack Obama announced his plan to enact a law to ease the burden of student loan debt starting next…………… continues on The Beacon-University of Portland’s student-run newspaper
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Federal student loan debt now exceeds credit card debt
News from Hilltop Views:

Students are borrowing double what they did 10 years ago, even after adjusting for inflation, according to the College Board. Total student loan debt now exceeds credit card debt.

With more than half of students at St. Edward’s University covering all or part of their tuition with student loans, accruing debt is a major concern.

About 58 percent of students at St. Edward’s rely on student loans to pay for tuition, according to Doris Constantine, associate vice president of Student Financial Services. Most take advantage of scholarships, grants and assistance from their parents in addition to student loans, she said.

“By the time I graduate from St. Edward’s, I will have accrued about $ 40,000 of student debt,” sophomore Mari Serna said. “I know that this number isn’t the highest I have seen students carry, but it also isn’t the lowest.”

The avera…………… continues on Hilltop Views
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Debt for Sale: A Social History of the Credit Trap


Credit and debt appear to be natural, permanent facets of Americans’ lives, but a debt-based economy and debt-financed lifestyles are actually recent inventions. In 1951 Diners Club issued a plastic card that enabled patrons to pay for their meals at select New York City restaurants at the end of each month. Soon other "charge cards" (as they were then known) offered the convenience for travelers throughout the United States to pay for hotels, food, and entertainment on credit. In the 1970s the advent of computers and the deregulation of banking created an explosion in credit card use–and consumer debt. With gigantic national banks and computer systems that allowed variable interest rates, consumer screening, mass mailings, and methods to discipline slow payers with penalties and fees, middle-class Americans experienced a sea change in their lives. Given the enormous profits from issuing credit, banks and chain stores used aggressive marketing to reach Americans experiencing such crises as divorce or unemployment, to help them make ends meet or to persuade them that they could live beyond their means. After banks exhausted the profits from this group of people, they moved into the market for college credit cards and student loans and then into predatory lending (through check-cashing stores and pawnshops) to the poor. In 2003, Americans owed nearly trillion in consumer debt, amounting to 130 percent of their average disposable income. The role of credit and debt in people’s lives is one of the most important social and economic issues of our age. Brett Williams provides a sobering and frank investigation of the credit industry and how it came to dominate the lives of mostAmericans by propelling the social changes that are enacted when an economy is based on debt. Williams argues that credit and debt act to obscure, reproduce, and exacerbate other inequalities. It is in the best interest of the banks, corporations, and their shareholders to keep consumer debt at high levels. By targeting low-income and young people who would not be eligible for credit in other businesses, these companies are able quickly to gain a stranglehold on the finances of millions. Throughout, Williams provides firsthand accounts of how Americans from all socioeconomic levels use credit. These vignettes complement the history and technical issues of the credit industry, including strategies people use to manage debt, how credit functions in their lives, how they understand their own indebtedness, and the sometimes tragic impact of massive debt on people’s lives.
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Middlesex County club softball coach charged with credit-card fraud
News from MyCentralJersey.com:

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Middlesex County club softball coach charged with credit-card fraud

The manager of a Central Jersey club softball team is facing a series of criminal charges after allegedly using a stolen credit card to pay for more than $ 10,000 worth of goods and services,

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Sterling Silver Charm, Credit Card, CHARGE IT on back, 3/4 inch, 2 grams
Sterling Silver Charm, Credit Card, CHARGE IT on back, 3/4 inch, 2 grams. Search Phrases: sterling silver, 925, charms, sterling…
Fine Leather Hand Crafted Mans Man’s Mens Men’s Mini Wallet Credit Card Holder with Magnetic Money Clip
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Feds: Group stole credit card numbers, bought hundreds of thousands of dollars …
News from Orlando Sentinel:

Federal authorities have accused owners of an Orlando mobile-phone business of using stolen credit=card numbers — obtained via “skimming” devices implanted at gas stations — to buy hundreds of thousands of dollars of merchandise at area stores.

Robin Miguel Corrales Castro, 35, and Silvio Leon, 38, co-owners of Simple Mobile, were arrested Tuesday on charges of conspiring to produce, use or traffic in one or more counterfeit devices, following a several month U.S. Secret Service investigation.

Three others are also accused of participating in the credit-card scheme, according to a criminal complaint filed in Orlando federal court this week: Ivan Malagon, Lazaro J. Corrales Castro and Federico Martinez.

Agents say the group obtained credit-card numbers from ski…………… continues on Orlando Sentinel
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Can You Apply for Credit After Chapter 13 Bankruptcy?
News from Fox Business:

Dear Credit Care,

In March 2011, my husband and I filed Chapter 13, and it was approved by the courts. We are paying our monthly payments to the trustee and will continue paying for five years. My question is: Can we try to apply for a credit card just for emergencies? 

– Debra

Dear Debra,

Filing a Chapter 13 bankruptcy means that you and your husband were required to attend a credit counseling session before you could file. You were also required to submit a repayment plan to the courts to pay your priority, secured and unsecured debts.

*Priority debts include most taxes and bankruptcy proceedings fees.

*Secured de…………… continues on Fox Business
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QuickBooks Credit Card Processing Kit 2009 [OLD VERSION]

  • Accept all major credit cards anytime, anywhere
  • Low monthly fees, no monthly minimum, no long-term commitment
  • Create custom invoices and estimates, bill customers for recurring charges and track payments.
  • LIVE Technical support available 24/7/365
  • Track payment history and use reports to help you ensure timely payments.

Intuit Credit Card Processing Kit from QuickBooks financial software is the low-cost, easy way to get paid. Accept all major credit cards anytime, anywhere.Intuit QuickBooks Credit Card Processing Kit is the low-cost, easy way to get paid. Accept all major credit cards using your computer. Accept all major credit cards using your computer. Enter your customer’s credit card information, click Submit and the credit card will be processed. Click to en

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Consumers use mobile credit card apps to manage debt

Posted by administrator | 02/11/11 | Tagged Credit Card

Consumers use mobile credit card apps to manage debt
News from Debtmerica Relief:

Consumers who have been trying to deal with their outstanding credit card debt responsibly may now be more likely to turn to mobile solutions to handle their accounts.

The number of consumers who are using their smartphones to access credit card account information grew significantly between December 2010 and June 2011, according to a report from the digital information tracking company comScore. In all, nearly 18.4 million consumers used a mobile browser to access credit card information, up 23 percent from the previous…………… continues on Debtmerica Relief
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More banks back away from debit card use fees
News from CreditCards.com:

Wells Fargo, SunTrust, Regions Bank will not impose controversial fee

By Connie Prater

See updated story:  Bank of America reverses course, drops controversial debit card fee.

The list of banks backing away from charging customers debit card use fees has grown amid continued public outcry and a campaign urging customers to switch banks in protest of the fees.

Wells Fargo abruptly yanked the $ 3 monthly debit card use fee it began testing just two weeks ago in five states.

“The program was pulled Friday,” Wells spokeswoman Lisa B. Westermann, confirmed in an email. “No customer ever received the fee because the pilot just began Oct. 14.” The bank posted its decision on its Facebook page late Friday and got a flood of comments from followers.

SunTrust Bank, which launched a $ 3 debit card fee for “Everday Checking”…………… continues on CreditCards.com
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Can you apply for credit after Chapter 13 bankruptcy?

Posted by administrator | 01/11/11 | Tagged Credit Card

Can you apply for credit after Chapter 13 bankruptcy?
News from CreditCards.com:

Can you apply for credit after Chapter 13 bankruptcy?

By Kim McGrigg

Dear Credit Care,
In March 2011, my husband and I filed Chapter 13, and it was approved by the courts. We are paying our monthly payments to the trustee and will continue paying for five years. My question is: Can we try to apply for a credit card just for emergencies? — Debra

Dear Debra,
Filing a Chapter 13 bankruptcy means that you and your husband were required to attend a credit counseling session before you could file. You were also required to submit a repayment plan to the courts to pay your priority, secured and unsecured debts.

  • Priority debts include mo…………… continues on CreditCards.com

… Read the full article
.

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A credit card at Christmas?
News from Think Money:

Quick links to latest articles:

By Matthew Plant

31 October2011

When Christmas actually arrives, it’s easy to realise we’ve not prepared as well as we should have done. From food and drink to parties and presents, Christmas is an expensive time of year, and even the best-planned budget can fall short in the face of all those costs.

Which is why it’s important to think about the best approach to take if that situation arises. Aside from deciding to do without – something you may feel simply isn’t an option – turning to our credit cards is one of the most common ways of dealing with a shortage of Christmas cash.

However,
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