Wallaby’s Android App Tells You Which Credit Card To Use To Get The Best …
News from TechCrunch:

Wallaby, a startup which had been originally working to develop a universal credit card that optimizes consumers’ credit card points, rewards, airline miles and more, recently launched a more simplified version of that concept via an iPhone application. Instead of routing purchases to the appropriate card after swiping a Wallaby-branded credit card, the new iPhone app instead just tells you which card you should use. Today, the company is launching that same application on Android.

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Choose the Right Credit Card for Last-Minute Gift Shopping
News from Fox Business:

For shoppers still working on their gift list, they should be selective with their payment methods to avoid carrying massive debt into the new year.

If credit cards are your payment choice, make sure to use the card with the best perks and lowest interest rate.

“People should consider whether they are going to pay off those purchases right away or if they are going to carry a balance,” says Erik Larson, president and founder of NextAdvisor.com, on online product comparison tool. “If they are going to pay if off right away they should use a reward card to get some benefits.”

Before your shopping extravaganza, experts advise being realistic about how much you will spend and how and when you will pay it off so you can best determine what card to apply for or use. If you don’t plan on paying off all your holiday debt right away, experts suggest looking for a credit card with 0% interest.

“I recommend a credit card that has no purchase APR for at least six months,” says Anisha Sekar, the vice president of credit and debit products at NerdWallet.com, which compares credit card offers. “You’ll have some time to pay it off and you’re not racking up interest charges.”

Sekar points to the Discover More credit as a good option because she says it offers 18 months interest free on balance transfers and zero percent interest for six months on new…………… continues on Fox Business

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Five Tips For Managing Credit Card Debt In 2013

Posted by administrator | 20/12/12 | Tagged Credit Card Debt

Five Tips For Managing Credit Card Debt In 2013
News from LowCards.com:

A new year is just around the corner. Undoubtedly, millions of people will be making resolutions to lower their credit card debt in 2013. Here are five tips to help lower and manage your credit card debt in the New Year:

Know Your Credit Report Inside And Out

A wonderful time to check your credit and understand your credit profile is right after the holiday shopping season. Request the free annual copy of your credit report and go over it with a fine tooth comb to understand every little detail. Look for inaccurate information, mistakes, fraud and any sign of identity theft. After reviewing your credit profile, you should know where you stand in terms of credit history and your actual credit score. This is valuable to know as you start the new year, and will help you financially plan the rest of the year.

Improve Your Chances For Success

Are you stuck paying 20% interest on your current debt? If your credit profile will allow for it, consider applying for a balance transfer credit card. These cards will typically have an introductory offer of 0 percent for 12-18 months, which can save you hundreds, even thousands, of dollars in interest penalties. If saving that extra money will help you bec…………… continues on LowCards.com

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Credit cards are back as preferred way to buy holiday gifts
News from Sarasota Herald-Tribune:

Published: Wednesday, December 19, 2012 at 6:27 p.m.
Last Modified: Wednesday, December 19, 2012 at 7:11 p.m.

Although she budgeted for the holiday season, she is only using one card to pay for all purchases — a Discover credit card.

With one in every three consumers failing to save in advance for the holiday season — and more people feeling confident enough this year to buy big- ticket items like homes and new cars — more consumers are finding themselves strapped for cash.

To bridge the gap and still be able to fulfill holiday purchases, the largest numbers of consumers since before the Great Recession began are turning to credit cards, according to a survey by the credit bureau TransUnion.

“The use of credit cards is fairly common for holiday purchases, and a good percentage of shopping is still done that way, despite how the economy has improved from the lowest point of the financial crisis,” said Sean Snaith, a University of Central Florida economist.

In the wake of the recession, more and more people began using cash to pay for gifts, as credit limits edged up to all-time highs and 2009 regulations left more than 15 million Americans without plastic, according to The Nilson Report, a credit card industry publication.

But the use of available credit has slowly crept back into consumers’ vernacular, leavin…………… continues on Sarasota Herald-Tribune

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