Top Balance Transfer Credit Cards for 2014

Top Balance Transfer Cards for 2014Balance transfers are one of the best ways to tame credit card debt and save money on interest charges. Transferring a balance is always worth considering since the savings can be substantial – especially during the intro period. Even bigger savings come when you transfer large balances to a 0% APR credit card. Most companies provide zero APR balance transfers, but the best balance transfer credit cards will have the longest intro periods and lowest fees. Here are our top balance transfer credit cards for 2014: Continue

The Best Black Friday Payment Options

Black Friday Payment OptionsBlack Friday is known as the day when retailers try to thrust their sales into the black for the year, but the term was first used in Philadelphia for the hectic day following Thanksgiving when the Army vs. Navy game was played in the city. The mayhem was called ‘Black Friday’ and it’s been associated with holiday shopping ever since. This year many deals have been slowly leaked out early before the holiday rush even begins, but before you jump on the bandwagon, make sure that your method of payment won’t negate all the savings. Continue

5 Tips to Offset Rising Interest Rates

Rising Interest RatesThere is generally one small bright spot in the midst of a stagnant economy – low interest rates. But historically low rates are slowly beginning to creep upward resulting in an increase in the cost of borrowing. If you’re already finding it difficult to make a dent in what you owe, rising interest rates will only make it more difficult to reduce your debt, resulting in more time and money to pay off your balance. The thought of more of your hard earned money going to the bank is hard to swallow, but there are some ways to offset the rising cost of interest rates. Continue

Why Aren’t You Taking Advantage of a 0% APR?

Take Advantage of 0% APRIn today’s credit card market, 0% APR offers are plentiful and easily accessible to just about anyone with good credit. Virtually every credit card issuer (and every credit card offer) will feature a zero APR. Paying 0% interest on purchases and balance transfers is a great way to save on interest charges, but for most of us, the savings end when the intro period is over. There are some drawbacks to switching credit cards on a regular basis, but for the savvy consumer, applying for a new 0% APR credit card is definitely worth considering. Continue

Always Pay Contractors With a Credit Card

pay-contractorImproving your home, landscaping or building a new structure are big undertakings and shouldn’t be taken lightly. From major decisions, like how big to build and what materials to use, to personal touches such as paint and hardware, the process takes planning, patience and funding. As anyone who has completed a building or home improvement project will tell you, a successful outcome is largely dependent on the contractor you hire. However, no matter how many references you get from trusted family or friends, problems may still arise. Continue

Benefits of Excellent Credit & ‘Elite Card’ Status

Elite Credit CardsCredit cards provide many benefits, especially if you’re responsible and build up a strong credit history. For those with excellent credit and high credit scores, there are a wide array of perks and extra benefits to consider. This ‘elite’ category of consumers will receive the lowest interest rates, best rewards and outstanding bonus opportunities. Often referred to as ‘elite credit cards’, these offers are reserved for only the most financially responsible individuals. Here are just some of the reasons you should strive for ‘elite’ card status: Continue

When to Use Credit Card Convenience Checks

Credit Card Convenience ChecksIf you have a credit card and manage it responsibly, you’ve undoubtedly received credit card convenience checks in the mail. They’re periodically sent by credit card issuers – but are especially common during the Holidays. You can use credit card convenience checks for any purpose, from paying your mortgage or car bill to making a big ticket purchase. The idea is to give you more flexibility in using your credit card account, but before you hastily choose this payment option, be aware that CONVENIENCE CHECKS ARE NOT FREE. In fact, the cost of using convenience checks can be substantial, so it’s important for you to understand the pros and cons before you sign on the dotted line. Continue

Simple Ways to Save on Interest Charges

When it comes to credit cards, the easiest way to save on interest charges is to pay off your balance in full each month and avoid interest altogether. Unfortunately, for most people this isn’t a realistic option. For the majority of people who carry a balance month-to-month, one of the best ways to save money is to take advantage of 0% interest credit cards and find the lowest possible APR after the introductory period ends. There are multiple ways you can save if you shop around. Continue

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