Let your credit card reward you

Posted by administrator | 28/01/12 | Tagged Credit Card

Let your credit card reward you
News from Washington Post:

For the conscientious consumer, credit card rewards programs are equivalent to free money. Sometimes, the perks sound too good to be true, and that’s because for many people, they are. Rewards cards only benefit you if you pay off your credit card balance monthly. “The interest rates are very high on rewards cards,” says Odysseas Papadimitriou, chief executive of credit card comparison Web site CardHub.com. “If you carry a balance, you’re going to pay more in interest than you’re getting in rewards.”

In recent years, credit card companies have upped the stakes, offering free flights or cash back bonuses for signing up. It takes time to find the card that’s best for your tastes. Do you travel often? Do you have a favorite hotel chain or store? Perhaps you prefer the flexibility of a cash-back program. There are cards for every preference, and the experts help us navigate the choices.

Before you apply

Know your score: The FICO score is the credit score most credit card issuers use when determining whether you qualify. You “don’t want to waste time applying for cards you can’t qualify for,” says Beverly Harzog, a credit card expert for

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Showdown: American Express Centurion vs. Visa Black Card
News from Fox Business:

Like a heavyweight fight in Las Vegas, the newest entrant in the super-premium credit card arena, Visa Black Card, challenges the defending champion, the American Express Centurion Card.

Last year, CardRatings.com talked with two entrepreneurs who carry the Centurion card to find out how they use the most exclusive credit card to manage their lives. One of these, Centurion member Don Sabatini, founder and CEO of Secret Entourage, a website devoted to entrepreneurship, decided to also get the Visa Black Card and compare the two. He shares his findings with us in an exclusive interview.

CR: What prompted you to get the Black Card?

DS: First off here is some background on why we got the card. Secret Entourage had been invited by the Centurion program to try the card at no cost, which made sense from a status standp…………… continues on Fox Business

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Intuit GoPayment

  • Receive a free card reader for your compatible Android smartphone
  • Avoid start-up costs, a long-term contract, and cancellation fees
  • 2.7% per card reader swiped transaction rate with pay-as-you-go pricing plan
  • Customers sign with their finger and a receipt can be sent by text or e-mail, so you can be paperless
  • Access your GoPayment account on your Mac or PC and accept, refund, and review credit card payments online
  • All transactions are secure and encrypted, unlike some card readers
  • Add up to 50 users to your account so multiple people can accept payments for your business
  • We’ve made it easier for you to get started by not requiring bank account information. The money you make with GoPayment can be deposited into your Intuit GoPayment Prepaid Visa Card account. You can conveniently access and manage your money online at www.gopayment.com, or use the GoPayment Card anywhere Visa debit cards are accepted – in stores, online, and at ATMs
  • GoPayment integrates with QuickBooks, making it easier to manage your finances
  • From Intuit, the makers of QuickBooks, Quicken, and TurboTax

List Price: $ 0.00

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You’ve Paid Off Your Card Debt. Now What?

Posted by administrator | 28/01/12 | Tagged Credit Card Debt

You’ve Paid Off Your Card Debt. Now What?
News from Credit Card Guide News:

Dear Erica,

I am only a couple of months away from finishing my debt plan with Consumer Credit Counseling. I have been paying $ 886 every month and never missed one payment for the past 4-and-a-half years. During that time, I even paid off my car note. So, except for my mortgage, I will be free of any debt. It’s a miracle. Should I get another credit card now? And what should I do with the $ 866 that will now be back in my bank? I have two girls, one 8 and the other 12, and I’m thinking of saving for their college educations. — Jeanie

Hi Jeanie,

Your excitement is palpable and well deserved! Soon you will have completed something remarkable, and that’s paying down what clearly must have been a large amount of credit card debt. You’ve stuck to a plan, which shows an impressive level of commitment. Sending nearly $ 1,000 every month without fail is a major achievement.

As a reward, in a few short months you’ll have quite a bit of expendable cash left over. It’s a good idea to use some of the money for your daughters’ future higher education costs. Before you do that, however, I would like to be sure that you’re covered in a few other areas first. They are:

  • Your retirement. continues on Credit Card Guide News

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Related News:

Consumers’ credit card debt eases
News from Omaha World-Herald:

Amber Malone, music education student, saxophone player and percussionist, paid off her credit card debt after four years of working extra while attending the University of Nebraska at Omaha.


KENT SIEVERS THE WORLD-HERALD

By Steve Jordon | WORLD-HERALD STAFF WRITER

Premium ContentClick…………… continues on Omaha World-Herald

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BMV Quantum Subliminal CD Get Out of Debt: Reduce Personal Debt and Consumer Debt (Ultrasonic Subliminal Series)

Program your subconscious mind to get out of debt, pay off your consumer debt and stop creating personal debt. Create amazing results using state-of-the-art subliminal and brainwave entrainment technologies. Tune your brainwaves to specific frequencies by listening to this CD! Program your subconscious mind for positive lasting results, created by a Certified Hypnotherapist and NLP Practitioner (Neuro-Linguistic Programming). Silent affirmations, inaudible hypnotic suggestions and thousands of p

List Price: $ 14.99

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