Credit card debt cheaper than store card
Posted on | March 27, 2011 | No Comments
Using a credit card instead of a store card could help you avoid serious debt problems according to one expert. Martin Bamford of Informed Choice says store cards are usually more expensive and have higher penalty charges. He warns that the fine print on store cards is not always explained to shoppers. Bamford says: “You are much more likely to get a better rate of interest from your credit card, particularly if you move to a balance transfer deal in the future”. If you are already struggling to pay back debts, it is a good idea to get advice about solutions like Individual Voluntary Arrangements (IVAs). A person with over £15000 of unsecured debts, like on store cards, can pay back a more manageable amount each month over a period of 5 years.
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www.moneyextra.com Sainsbury’s Finance is launching two new credit cards aimed at shoppers in their stores Sainsburys is launching the cards after research showed the average interest rates for cards had increased to 18.2% last 2 years
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Q&A: when does my balance transfer on my credit card happen??
Posted on | March 27, 2011 | 1 Comment
Question by exilex4: when does my balance transfer on my credit card happen??
i have had my chase credit card for a year now, and i have gotten many credit card deals in the mail and applied for one WaMu credit card because they offered me 0% percent APR for one year on all balance transfers and i applied online 3-4 days ago and was wondering when will it take effect??
Best answer:
Answer by Sadie C
When you get your WaMu Card
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Tags: balance, Card, Credit, happen, Transfercan you pay a catalogue debt with a 0% virgin balance transfer credit card?
Posted on | March 27, 2011 | 1 Comment
Question by J.Kidd: can you pay a catalogue debt with a 0% virgin balance transfer credit card?
Best answer:
Answer by Pojo
As long as you qualify you can.
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Tags: balance, Card, catalogue, Credit, Debt, Transfer, VirginTags: balance > Card > catalogue > Credit > Debt > Transfer > Virgin
Credit Cards, Credit Score & Credit : How to Compare Credit Cards
Posted on | March 26, 2011 | 2 Comments
Credit cards come with many special offers and fine print so compare credit cards carefully. Learn how to compare credit cards from acredit counselor in this free personal finance video. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu
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Ecreditcardworld.info Offers Great Student Credit Cards
Tags: Cards, COMPARE, Credit, scoreQ&A: Chase credit card balance transfer?
Posted on | March 26, 2011 | 2 Comments
Question by Rachel Stewart: Chase credit card balance transfer?
i have 2 chase credit card accounts… one is at ) now… can i ask chase to transfer the remainder of the credit from that card to the one thats finished?
Best answer:
Answer by stan c
Sure, it’s done all the time but let the bank do it for you
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Tags: balance, Card, chase, Credit, TransferQ&A: I want to transfer my credit card balance.?
Posted on | March 26, 2011 | No Comments
Question by Grant Kelso: I want to transfer my credit card balance.?
I currently have about £6000 on my credit card. The minimum payment per month is about £140 which actually only pays of about £10-15 off my actual balance, the rest on interest. Looking to transfer my balance but don’t know where to start! So I thought maybe I could get a bit of advice here to get the ball rolling? I’m in the UK, Thanks!
Best answer:
Answer by cyranae
I don’t know the credit system in the UK but please be careful if you decide to transfer the amount to another credit card–in the US the minimum charge for transfer is usually 3% of your total transfer in addition to a 75$ transfer charge (I know, it doesn’t make any sense). I did not pay close enough attention to the fine print and was shocked at the costs (yes, I should have known better).
Your best bet is probably to try and get a bank loan; they’re usually a little more trustworthy and can’t change the interest rates without notice, unless you have a sliding interest rate (always go for the fixed rate then there will be no surprises).
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Tags: balance, Card, Credit, Transfer, wantDoes anyone know of a credit card offer with 0% on balance transfer for 1yr and no balance transfer fee?
Posted on | March 26, 2011 | No Comments
Question by Alana: Does anyone know of a credit card offer with 0% on balance transfer for 1yr and no balance transfer fee?
I know it sounds too good to be true, but I have excellent credit and I’ve been looking online and nobody offers more than 6 months. Even if its 9 months it still good. Does any of you know or has received such offer and can share it with me?
THANK YOU.
Best answer:
Answer by Syzygist
No and if you do find one read the fine print…The CC company like gambling will get the money back some how!
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Tags: anyone, balance, Card, Credit, know, OFFER, TransferAny worthwhile college credit cards say I need “good credit” but I have never had a credit card?
Posted on | March 26, 2011 | 7 Comments
Question by J: Any worthwhile college credit cards say I need “good credit” but I have never had a credit card?
What’s the point if I want an entry level card.
0% Intro APR* on Purchases for 6 Months
No Annual Fee
Fraud Liability Guarantee
Easiest Online Account Management Options
5% Cashback Bonus® in popular categories that change four times a year like gas stations, restaurants, clothing stores, travel and more*
Up to 1% Cashback Bonus on all other purchases automatically*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% on Purchases* 6 Months * 16.99%* None* N/A* Good Credit*
Best answer:
Answer by B.B
go to myfico.com and then hit credit cards and this will help u find a card for u..
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Tags: Card, Cards, college, Credit, good, need, never, worthwhileTags: Card > Cards > college > Credit > good > need > never > worthwhile
Q&A: When I transfer a credit card balance do I have to close the card that I am transfering?
Posted on | March 26, 2011 | 1 Comment
Question by Katy Pepper: When I transfer a credit card balance do I have to close the card that I am transfering?
Best answer:
Answer by kelco
No you dont .
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Tags: balance, Card, close, Credit, Transfer, transferingHow long does a balance transfer from one credit card to another take approx.?
Posted on | March 26, 2011 | 1 Comment
Question by kristajade: How long does a balance transfer from one credit card to another take approx.?
Best answer:
Answer by mike r
It depends on how much. but it should only take about a day or 2.
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Tags: another, approx., balance, Card, Credit, from, long, take, TransferTags: another > approx. > balance > Card > Credit > from > long > take > Transfer