Royalty Free Articles by Category
Personal Finance Articles

81. 

Affinity cards are a special kind of credit card which are linked into the cardholder's lifestyle in some way, offering benefits of a more personalized nature than the typically available 0% balance transfer offers and the like. Examples of affinity programs are charity credit cards, where a...

• Date Added: 2/26/2007
• Views: 410

82. 

Are you, like many people, trying to make sense out of your financial situation? Looking for a way to make ends meet? Struggling to keep up your monthly repayments on credit bills? If so, you might well be tempted by the widespread offers of consolidation loans and other easily available lines of...

• Date Added: 2/26/2007
• Views: 370

83. 

Most of us these days carry at least one credit card, and unless careless use means we've built up a problematic level of debt, we often don't give a second thought to the plastic in our wallets. We've become accustomed to the ease of use they provide in making payments online, over the telephone...

• Date Added: 5/28/2008
• Views: 172

84. 

Credit card balance transfers have fallen from favor somewhat since their heyday a few years ago, after the introduction of the balance transfer fee stopped the practice of shifting debt from card to card without incurring any charges or costs. It is now no longer possible to delay interest...

• Date Added: 5/28/2008
• Views: 167

85. 

Your credit score and credit card use are closely intertwined, with both effecting each other profoundly. The way you use your card can affect your credit rating for good or for ill, depending on how responsibly you use it and how prompt your payments are, but in this article we'll be looking at...

• Date Added: 5/28/2008
• Views: 170

86. 

Charity credit cards have become increasingly popular over recent years, as people seek to support their favourite charities at seemingly no extra cost to themselves. When you take out one of these cards, a one-off donation of a few dollars is made by the card issuer to the charity linked to the...

• Date Added: 2/13/2007
• Views: 326

87. 

The days when the only way to get a credit card was to visit your bank in person are gone forever. Nowadays, it's even quite old fashioned to apply for a card by mail - it's much easier and quicker to apply online, and in many cases you'll even get an instant decision on whether your application...

• Date Added: 1/4/2007
• Views: 315

88. 

One of the main selling points of credit cards over the past decade has been the balance transfer offer, where customers are tempted into applying for a new card with the promise of obtaining effectively free credit. By making use of a 0% transfer deal, they can put off having to pay any interest...

• Date Added: 2/5/2007
• Views: 443

89. 

Many people are wary about using their credit cards, especially online, because of the possibility of becoming a victim of fraud. While fraud does happen, and costs hundreds of millions every year, there are some simple steps you can take to protect yourself and make it unlikely that you'll become...

• Date Added: 10/26/2006
• Views: 319

90. 

For several years now, one of the most sought after features on a credit card has been a long 0% balance transfer deal, almost to the exclusion of any other feature except maybe the headline interest rate of the card. More recently though, balance transfers have become less popular, not least...

• Date Added: 10/4/2006
• Views: 343

91. 

As with most financial products, credit cards are usually heavily promoted on their interest rate, or APR. The lower the APR, the more attractive it's supposed to be to potential customers. But is APR really the most important feature of a credit card?

Firstly, a sizable minority of people...

• Date Added: 10/12/2006
• Views: 283

92. 

Wherever we go these days we're bombarded with offers of credit, whether loans, credit cards, remortgages - there seems to be no end to the number of companies asking us to consider applying for finance through them. It's true that gaining credit is easier than ever before, a fact borne out by the...

• Date Added: 12/14/2006
• Views: 349

93. 

In today's world of online shopping and bill servicing, credit cards have become almost an essential part of our everyday lives. No one would argue that they don't make life easier, but it's also true that they have a dark side in that it's all to easy to build up debt.

Of course, it's...

• Date Added: 12/14/2006
• Views: 414

94. 

Credit cards are a great convenience in our everyday lives, allowing us to easily buy products online and by telephone, and freeing us from having to carry large amounts of cash when making purchases in the bricks and mortar world. However, there's a potential dark side to plastic, with some...

• Date Added: 12/19/2006
• Views: 452

95. 

When most people think about credit cards, they first think of a rectangular piece of plastic that is physically swiped in a machine when you make a payment. In recent years however, there has been an increasing trend towards borrowing on your account without actually using your card, originally...

• Date Added: 8/8/2006
• Views: 328

96. 

Few people would deny that using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone.

However, spending with plastic can sometimes be a little too easy, as it doesn't always feel like you're actually parting...

• Date Added: 6/28/2006
• Views: 341

97. 

Find Out How to Increase Your Bad Credit Rating and Get Your Mortgage Approved by a Mortgage Lender

Your credit rating is the reflection of how good or how bad your payment history actually is. If you're planning to get a mortgage loan and buy a new house for yourself, then what mortgage...

• Date Added: 4/18/2006
• Views: 313

98. 

Banking experts estimate that up to £5bn may be sitting unclaimed in UK bank accounts that have gone 'dormant'. What does this mean, and could you be entitled to a share in this huge amount of idle money?

A bank account goes dormant when, in the words of the British Bankers' Association, a...

• Date Added: 6/29/2006
• Views: 474

99. 

Reducing your overall debt level as much as possible is always a good idea, and is usually recommended as part of a budgeting plan. If you have some spare funds available, you might be tempted to clear your personal loan, as nearly all loan plans allow for full repayment before the term is over....

• Date Added: 6/29/2006
• Views: 340

100. 

Having a County Court Judgement or CCJ issued against you will have a severe impact on your credit rating, as it signifies that you have had serious problems paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to try and recover...

• Date Added: 6/30/2006
• Views: 340