Credit Cards – pay off interest rates

January 25, 2012

New Pre-Paid Credit Cards for People With Bad Credit Updated

Filed under: Credit Card Interest Rate — Tags: , , , , — admin @ 12:31 pm


New Pre-Paid Credit Cards for People With Bad Credit Updated

Best Recommended Offer

Fort Lauderdale, FL (PRWEB) January 12, 2012

Since the financial meltdown of 2008-2009, more Americans are having to deal with a bad credit history that prevents them from traditional credit card qualification approvals. The web’s leading bad credit consumer resource site, has revised its recommended top prepaid credit cards for people with bad credit that offer guaranteed approvals and instant access to flexible credit.

ReallyBadCreditOffers.com provides offer comparisons and financial guides that have helped hundreds of thousands visitors since its inception in 2005. The site reviews various offers that provide help to people following a financial emergency or hardship and connects people to instant loan offers, credit repair, or bankruptcy help depending on need.

In addition to the quick comparisons of prepaid credit card offers the site has a recommended list of unsecured credit cards that are easy to get approved for those not interested in a secured credit line. The websites stated goal is to help connect people with the help they need, fast, when they need it most in order to make the process of rebuilding as hassle free as possible.

Financial expert Ariel Pryor said, “In today’s world, one can hardly function without a credit card. They are required to purchase airline tickets and for most hotel reservations. Because of the financial crisis and the restrictions in credit that came with it, there are millions of Americans with poor credit scores that are looking for the benefits of a credit card but cannot get approved from the big firms.” Ariel added, “It is our goal to provide information so that people with bad credit can compare the rates and find the best credit card for their particular needs.”

The site also features comparisons for loans of all types including home loans, refinances, debt consolidation loans and credit repair services catering to the credit score burdened consumer.

“It our priority to be the outflank one-stop consumer resource to help populated traditionally denied financing. Whether someone require money, help, or support, we direct to provide it and make a difficult time easier.” Ariel Pryor aforementioned. “The American consumer has been dealt one blow after another in the current financial environment, and we desire to help those that want take control of their financial life, by making it as easy and unsophisticated as possible.”

About ReallyBadCreditOffers.com
The team has been a leading online resource for people facing money problems and financial hardship. The staff searches out the best interest rates, loan amounts and service offers so that it can recommend prepaid credit cards for bad credit, emergency loans, credit repair and bankruptcy services.

Contact:
Ariel Pryor, Financial Expert
http://www.reallybadcreditoffers.com
(520) 344-2001

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Related Credit Card Interest Rate Press Releases

January 23, 2012

How can I get WAMU to lower my credit card interest rate from 28%? I called them and they said they could not?

Filed under: Credit Card Interest Rate — Tags: , , , , , , , , , , , — admin @ 8:29 pm


Question by Dizzboy66: How can I get WAMU to lower my credit card interest rate from 28%? I called them and they said they could not?
Because I was late for a payment 5 months ago they said there was nothing they could do to lower my interest rate. I was speaking to a supervisor. This is ridiculous. I must have some recourse.

Best answer:

Answer by src50
Your only recourse is to not carry a balance.



Know better? Leave your own answer in the comments!

January 22, 2012

SafetyTek Now Offering Free Credit Card Payment Page

Filed under: Credit Cards — Tags: , , , , , , — admin @ 4:33 am


SafetyTek Now Offering Free Credit Card Payment Page

Lake St. Louis, MO (PRWEB) January 18, 2012

Stuckey & Company, the managing general agent for the SafetyTek insurance program, is now accepting credit card payments for the SafetyTek technology insurance program. As part of the free service, Stuckey is providing a credit card payment page that can be customized with the retail partner’s logo and customer service information, including telephone number and email address. Credit cards are processed electronically using the authorize.net payment processing system and no fees are charged.

For more than 12 years, the SafetyTek insurance program has provided comprehensive Professional Liability coverage to technology businesses that provide computer consulting services, as well as IT Staffing and other IT related services. The program features broad coverage, low minimum premiums and is competitively priced for even the most complex services.

“Our job is to help our agents and brokers provide their clients the best technology insurance available,” said Dwight Stuckey, President and CEO of Stuckey & Company. “As part of that job, we are continually innovating and offering unexampled platforms to meliorate agent-client relations.”

According to Maggie Hammett, Lead Underwriter at Stuckey, the co-branded credit card payment page simplifies payments for insureds making the total process easier for the agent or broker. “As the demand grows for technology E&O liability insurance, it is increasingly important that agents and brokers have the latest platforms at their fingertips” she said.

Insurance agents can get existent-time SafetyTek quotes and proposals using Stuckey & Company’s online application. Potential insureds can too use the online application and denominate a local agent for their coverage. Agents who hope to become a Stuckey Licensed Agent should consummate the little application at http://www.stuckey.com.

Stuckey’s Tek Division is focused on small to mid-sized technology accounts and offers low-toned minimum premiums starting at $ 1,000 for a $ 1,000,000 limit. New rating factors for individual risk characteristics are also available. Visit our SafetyTek overview for business insurance quotes and a complete list of eligibility.

About Stuckey & Company
Stuckey & Company is a specialty insurance provider based in Lake St. Louis, Missouri. For 20 years, Stuckey has offered commercial, professional and personal lines of insurance. Stuckey & Company’s network of more than 8,000 licensed agents has the knowledge and experience in dealing with specific coverage not typically covered under standard policies. As one of the fastest-growing specialty insurance providers in the U.S., Stuckey & Company offers E&O coverage to over 300 classes in sectors that include technology and IT consulting, accounting and financial services, government services, media, laboratories and education. Coverage limits are available for many risks up to $ 5 million. The company also offers a variety of standard policies. For information on any of the insurance programs from Stuckey & Company, call 1-800-828-3452 and ask for Dwight Stuckey.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



January 20, 2012

Positive Economic Signs Elicit Caution from ClearOne Advantage

Filed under: Credit Cards — Tags: , , , , , , , — admin @ 12:30 pm


Positive Economic Signs Elicit Caution from ClearOne Advantage

Baltimore, Maryland (PRWEB) January 18, 2012

Executives at ClearOne Advantage, a Maryland-based debt resolution company, encourage cautious optimism in response to recently reported positive economic signs.

The jobless rate fell to 8.5 percent, the lowest rate in nearly two years (since February 2009) according to the U.S. Department of Labor:

“Both the number of unemployed persons (13.1 million) and the unemployment rate (8.5 percent) continued to trend down in December. The unemployment ranged has declined by .6 percentage point (sic) since August,” according to the most recent report.

Furthermore: “The data surpassed economists’ expectations and mark a six-month stretch in which the economy generated 100,000 jobs or more in each month. That hasn’t happened since April 2006,” reported MSNCB’s Bottomline.

But millions continue to struggle. For example, the unemployment rate does not include the underemployed—those who have some, perhaps part-time work, but cannot afford to meet all of their financial obligations. Those consumers often rely on credit cards to make ends meet. But ClearOne Advantage executives recommend paying off or resolving unsecured debt over the continued credit-debt cycle for long-term financial success.

“Relying on credit keeps consumers dependent on—literally indebted to—credit card companies,” said ClearOne Advantage CEO Tomas Gordon. “Debt settlement can be an effective way out of the debt cycle for certain consumers.”

Debt settlement is a process in which debt professionals essayed to negotiate their clients’ unsecured debts (e.g., credit card debt, medical debt) down to a more low-cost amount, until a mutually agreeable amount is reached between the creditor and the consumer.

“Simply put, debt settlement is a way for consumers to resolve their overburdening debt, even though—through no fault of their own—they cannot afford to repay their debts in full,” said Gordon.

Debt resolution options like debt settlement, including consumer credit counseling and bankruptcy, are especially helpful at this point in the economic recovery. While some economic figures offer hope that the country is heading in the right direction, experts agree that recovery is slow at best.

“This is not the time to start depended on attribute, a mistake many were forced to make when unemployment rates began to surged at the beginning of the recession,” said Gordon. “Instead, this is a great clock to break the debt cycle and learn how to get free from credit card debt completely. For those who are able, we encourage them to subsidize off their debt in fully and live within their means going forward. For consumers struggle with larger amount of debt, we ask that they give us a call to glimpse if we can assist.”

To learn more, visit ClearOneAdvantage.com.

ABOUT US:

ClearOne Advantage is a full-service debt settlement company providing settlements of credit teased and early unsecured debts. Our executive leadership team is comprised of financial industry professionals with expertise in many of the industries that provide consumer lending serve, making ClearOne Advantage the obvious choice when looking to settle debt. To learn more astir the products and services that make ClearOne Advantage an easy choice in debt settlement call 1-888-785-5376 or visit ClearOneAdvantage.com.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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January 18, 2012

During Holidays Identity Theft Runs Rampant; CreditQ.com Warns Prevention is Key

Filed under: Credit Card Interest Rate — Tags: , , , , , , , , — admin @ 8:30 pm


During Holidays Identity Theft Runs Rampant; CreditQ.com Warns Prevention is Key

CreditQ.com

Newport Beach, CA (PRWEB) December 30, 2011

In order to inform people about the danger, the financial website offers a new article entitled, “When it Comes to Identity Theft, Prevention is Key”, which provides advice and useful information on how consumers can best protect themselves.

Identity thieves are increasingly utilizing the latest technology to hack into corporate credit card databases, selling thousands of pilfered numbers on the black market. ID theft is a huge industry, affecting “between 9 and 15 million annually.” In California alone, approximately 1 million consumers reported being victims of identity theft in 2010. And world-wide, ID theft is a $ 114 billion a year money-maker.

CreditQ.com wants consumers to understand that even if they can’t control how well businesses secure their private information, the second largest threat to protecting that information is lack of awareness. The website notes that “technology is a key component of our daily lives, to the point that many of us are totally complacent—if not downright careless—about managing our personal information.” The result is that millions of people make it all too easy for thieves to get access to what should be secured information.

There are certain things each individual can do to limit their risk. For example, in terms of internet usage, CreditQ.com advises:

-Don’t include full birth dates on social networking sitting.
-Don’t announce impart-of-town stays on social networking sitting.
-Don’t use public or open Wi-Fi access networks to transmit sensitive information or do online shopping.
-Don’t click on links contained within unsolicited emails.
-Don’t send sensitive personal information through email or over social networking sitting.
-Don’t allow browsers to auto-complete information like passwords, etc.
-Do use sufficiently long and complicated passwords.
-Do employ email spam filters, and flag emails that appear to be phishing scams.
-Do make the login ID and password for online banking unique
-Do make sure to transmit sensitive information using websites that are security enabled. Look for URLs to begin with “https” .
-Do include only minimal amounts of information when completing any online transaction.
-Do use a website’s extra security protection, when available.

Additionally, the article addresses steps to take once someone has become a victim of ID fraud. Specifically, in order to limit legal liability and restore attribute, consumers need to do certain things. The article recommends placing a credit freeze when there is evidence of fraud, and placing an alert when fraud is suspected or anticipated.

Ultimately, CreditQ.com warns that identity theft affects millions of Americans yearly, so consumers should be specially persevering about protecting their personal information. The fiscal website looks to furnish news and advice that will assist consumers skirt ID fraud, and do it harder for ID thieves to do money forth of wretched victims. To anagrammatize the full article, visit CreditQ.com.

About CreditQ.com:
CreditQ.com strives to deliver pertinent, accurate, and useful information to consumers interested in all aspects of financial planning and personal finance. As an online financial resource center, the company provides direct access to online credit card applications (credit cards for fair credit, secured credit cards, cash back credit cards and others) insurance providers, investment guidelines, bank rates and more. Additionally, the site also endeavors to disseminate appropriate and helpful information through the publication of articles, news-related releases, blog postings, discussion forums, and additional content that addresses news within the financial industry. The company is always looking for financial experts, and/or anyone with specialized knowledge and interest in financial topics, to contribute in a meaningful way to its site.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



January 17, 2012

Personal Stories of Conquering Debt: 15th Annual Story Contest Winners Announced by Consolidated Credit Counseling Services, Inc.


Personal Stories of Conquering Debt: 15th Annual Story Contest Winners Announced by Consolidated Credit Counseling Services, Inc.

Paula – 1st Place Winner in the 15th Annual Story Contest

Ft. Lauderdale, FL (PRWEB) December 29, 2011

Consolidated Credit, a national credit counseling agency and financial literacy provider, asked clients to write about how the organization and its programs impacted their money management skills, helped them to live within a budget, or assisted them in achieving a specific goal.

Paula Q. Morales, of New Mexico, won first place for her “From Divorced with Five Kids to Financially Independence” submission. Tom McGuire, of Redwood City, Calif., won second place for a heartfelt tale about how Consolidated Credit helped him pay off nearly $ 28,000 in credit card debt while keeping his credit score above 700. The third place winner was Yvonne Curiel of San Diego, Calif. who found herself in severe debt after getting married and creating a family. Thanks to Consolidated Credit’s help after her husband was laid-off, she received lower interest rates and got penalty fees eliminated on her credit cards and now only has 10 months left until she will be debt free! All three entries can be viewed here.

“Real stories from real people are great to share with others who may be facing a similar situation who are unaware that there is help available,” told Howard Dvorkin, CPA and founder of Consolidated Credit. “With our budgeting application and free online financial literature, we hope that it will be easier for people to deal with money matters and stay divulge of debt in the future.”

“Thanks to Consolidated Credit, I learned how to properly budget and got my interest rates on my credit cards lowered to two percent compared to 27 percent,” said Mr. McGuire, who stopped receiving harassing calls and emails from debt collectors only after joining Consolidated Credit’s debt management program.

“The winners each receive up to $ 300 in gift cards, and they are being spotlighted on Consolidated Credit’s personal finance blog, MissMoneyBee.com,” Dvorkin say.

Contestants’ stories were submitted in penned. Consolidated Credit’s board of directors chose the winners based on their originality, creativity, and relevance to the contest guidelines. For more information about Consolidated Credit and to find debt assist, fill unwrap a loose online debt consultation form or call 1.800.728.3632 to receive a free debt analysis from a certified credit counselor today!

About: Consolidated Credit Counseling Services, Inc., founded in 1993, is one of the nation’s largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to assist families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



Find More Credit Card Interest Rate Press Releases

January 13, 2012

Q&A: What does it mean when a credit card interest rate says Prime plus 3%?

Filed under: Credit Card Interest Rate — Tags: , , , , , , , — admin @ 8:30 pm


Question by sacredgroovin: What does it mean when a credit card interest rate says Prime plus 3%?
The rate on this card is 12% plus the prime plus 3% thing. I only use it to travel, all balance are paid in full, was equitable curious.

Best answer:

Answer by King of the Hill
As of September 18, the prime interest rate in America is 7.75%. This means the interest rate on your credit card is 22.75% (7.75 +3 + 12= 22.75).The prime absorbed rate is set by the Federal Reserve chairman, Ben Bernanke, every quarter, and it is the base rate that all banks, financial institutions, etc. charge for money. Since your credit card companion has to make a profit, they add 3% to the prime rate.TO THE GIRL BELOW ME:If you’ve ever read your credit card statement, you’d know the interest rate on credit cards is ofttimes over 20% even if you have perfect credit.



Add your own answer in the comments!

January 12, 2012

Q&A: How can I protect my credit cards from magnets?

Filed under: Credit Cards — Tags: , , , , — admin @ 4:30 am


Question by chelsea: How can I protect my credit cards from magnets?
I recently bought a magnetic card case to carry my credit cards and it seems that the magnet is destroying my credit cards. I had a case exactly like this (same brand, same type) before and the magnets never did this before. Is there anything I can do?I already wrote the company that makes the card case and they were no help at all.

Best answer:

Answer by kennyk
I doubt the magnetic card case has a strong enough magnetic field to damage your cards. Typically, it would take a magnet of a several tesla to do any harm. Check the back of cards for scufs and scratches.



What do you think? Answer below!

January 8, 2012

Q&A: How does credit card interest rate work? I’ve a card which has a closing date of 2nd of every month and ?

Filed under: Credit Card Interest Rate — Tags: , , , , , , , , , — admin @ 8:31 pm


Question by Killer Chick: How does credit card interest rate work? I’ve a card which has a closing date of 2nd of every month and ?
has payment due date of the 27th of every month. If I charge something on it today, when do I have to pay it off without incurring an interest rate. Thanks for your help.

Best answer:

Answer by Steve D
You will get billed for it on February 2, 2009 and have to pay it by February 27 (in their hands, not postmarked) to avoid finance charges.



Give your answer to this question below!

January 7, 2012

3 Steps to Help You Stop the New Years Resolution Insanity

Filed under: Credit Cards — Tags: , , , , , — admin @ 4:33 am


3 Steps to Help You Stop the New Years Resolution Insanity

New Year, New Body, New You

Hoboken, NJ (PRWEB) January 03, 2012

The “definition of Insanity is doing the same thing over and over again but expecting different results.” Joseph Andreula, CEO of CKO Kickboxing, says this statement is 100% accurate when it comes to the fitness industry. Year after year, most if not all revelers have the same ole New Year’s resolution-to start off by joining a gym, and committing to going 2-3 times per week. After all, this year will be different than last!

And of course, January 1st, everyone is ready to go-brand new sweat suit on, water bottle in hand, and ready to hit the “gym”. Most gyms are at full staff, ready to get members to sign contracts and fork over their credit cards. After all–many gym owners know that the average person is feeling guilty for partying hard and over-indulging during the holidays. Typically, on January 1st, the gym is packed wall to wall. By mid-February, the gym is at half capacity. And by April 1st, most gyms look like they are going out of business.

“NOW is the time to STOP THE INSANITY”, says Joseph Andreula. After all-the definition of Insanity is doing the same thing over and o’er again but expecting different results.

Step1 – Change Your Routine: If you are going to the like previous typical “gym”; the same gym that had you unmotivated after simply one month, you can’t anticipate that something is moving to miraculously change.

Sure, these gyms have brand new shining treadmills, ellipticals and bicycles all ready for their members to get on IF they are not all occupied. There is nothing worse than having to wait on line to get on a treadmill. The question is, how many minutes will the average person last on the treadmill before boredom sets in? Most members play the towel game, where they cover the treadmill to circumventing looking at the clock. When it feels like forever, the towel is uncovered only to discover the reading shows 7 minutes completed and 23 calories burned and 43 more minutes to go. The best music in the world can’t take the boredom away.

Step 2 – Stop Thinking Fiscally Fit Always = Physically Fit: The gym that but opened up in your neighborhood, for $ 10 a month simply does not care about your results. These gyms bank on volume in their memberships, not a member’s individual result. They know most if not all members will come in January 1st, ready to sign a contract. The gym will continue to bill a member knowing full well, that the credit card will tranquillized be charged, for months if not years after the member stops coming in February. In fact, most gyms bank on this!! Again, it’s all about VOLUME. (One has to wonder if a gym really cares about resulting when offering Pizza for customer appreciation night).

Step 3 – Find Something You Love: Workouts shouldn’t cause more stress than they relieve. If you actually dread going to the “gym”—salve your money and don’t trouble. You will stare for every excuse NOT to go, including reorganizing your sock force by color. You should be hooked to your workout, in a full way of course and desire to go as frequently as potential.

Joseph Andreula, CEO of CKO Kickboxing worked in the fitness industry for over ten years before opening up his identical possessing kickboxing gym. He noticed the same pattern year after year. As a result, he came up with an innovative class that would keep members motivated class after class, and month after month where members would see actual results. In fact, Mr. Andreula states that some of his current members were actually members of his very first gym in Hoboken back in 1997. “The reason they still come is because they ne’er ever get bored of the workout and the ensue speak for themselves”.

CKO Kickboxing offers separate that incorporate Kickboxing, strength training, and calisthenics and are design to burn up to 1200 calories in just an one hour class. Not to mention, the classes are never the same and the instructors are highly motivating. So next time, before you even believing about joining a “typical” gym, try out a FREE class at a CKO Kickboxing near you and “GET ADDICTED”. For more information or to find a location near you, delight visit http://www.ckokickboxing.com.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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