Credit Cards – pay off interest rates

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.



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



January 5, 2012

Has anyone ever lowered their american express credit card interest rate?

Filed under: Credit Card Interest Rate — Tags: , , , , , , , , , — admin @ 12:32 pm


Question by vegaseaglesfan: Has anyone ever lowered their american express credit card interest rate?
I’ve consolidated my credit cards through Careone but they said they could not help me with my AMEX interest rate. I just wanted to know if anyone knew if this was possible to lower it and how.

Best answer:

Answer by bdancer222
Like any other credit tease, you tin call and inquire. They will look at your history with them and your attribute file and make a decision. The scoop way to get any credit card to lower interest rat is to mention that you have an offer for a much lower rate from another credit teasing and are considering transferring the balance.If Careone is a debt management program, you will not have any luck getting that interest rate lowered. That will be noted on your credit file while you are in the debt management program.



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January 3, 2012

What is the best approach to request a lower credit card interest rate?

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


Question by ghebert1111: What is the best approach to request a lower credit card interest rate?
I have 5 carded maxed out at $ 5,000 each at about the same interest rate, %27. I have $ 15,000 to pay them off. Is there anyway the ability to pay a card off can be used to leverage a lower interest rate, or should I just pay off 3 cards and not worry about it?

Best answer:

Answer by exactduke
Pay your cards away first, and then ask for a lower rate. That’s what I did. Seems to me, like you are still 10k abruptly of paying off all your cards. Five maxed out cards, is why your rate is so high. It appearing you are nearing your maximum amount of debt. No doubt, that is why your rate is so high.



Know better? Leave your own answer in the comments!

January 2, 2012

USAPaydayForever.com Announces New Security Measures For Payday Website

Filed under: Credit Cards — Tags: , , , , , — admin @ 4:32 am


USAPaydayForever.com Announces New Security Measures For Payday Website

(PRWEB) December 27, 2011

Yahoo’s financial news segmented released a news obliging explaining how Stratfor was hacked recently. Anonymous is claimed to be the perpetrator of the attack. The article stated, “Hackers claiming to be the group Anonymous told they had obtained around 4,000 credit card details, passwords and home addresses on Stratfor’s individual client list, which was posted on information-sharing website Pastebin.” As a response to this news of Internet hostility, USAPaydayForever.com has announced that they are stepping up security for their loan website that helps people make it to payday.

Concerning the report of the attacks and their ain security measures, USAPaydayForever.com has relinquished a statement. This statement states, “While we’ve been engaging in our payday loan promotion campaign, we haven’t focused on our website security as much as we feel we should. It’s not that we aren’t secure, but it’s always important to continually improve. Our customers deserve the utmost secure online experiences when it comes to applying for our payday services. For this reason we have decided to put more focus into our security. The recent events of Stratfor allegedly being hacked by Anonymous have drawn our attention to this issue. It’s a stark reminder for how important it is to keep our customers safe.”

USAPaydayForever.com proceed to mention that their payday services promotional campaign would be entirely meaningless if they were hacked. They also mentioned that they felt their customers would feel safer knowing that USAPaydayForever.com foster secured their payday loan experience online. USAPaydayForever.com also latterly announced a new payday loan website copywriter, after losing a couple other ones. Also, ArticleSearchEngineMarketing.com is still in collaboration with them by offering their SEO services to help with their payday services campaign.

About USAPaydayForever.com –
USAPaydayForever.com is an online company that helps consumers to find and obtain payday loan services. For more information about USAPaydayForever.com, please visit their website at http://www.usapaydayforever.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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