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Contributor: Claire Hendley - Back To Top
Everyone knows the advantages of secured credit cards for people with bad
credit. Often, secured credit cards are the only type of card that people coming
out of foreclosure or bankruptcy can obtain. They help the consumer with bad
credit to reestablish their credit. But did you know there are advantages to
secured credit cards for people with good credit? First some background. These
credit cards are "secured" because they are backed by a savings account. Thus,
you can't have more credit than you have on deposit. And, if you fail to pay the
bill, the creditor can tap into your savings for payment.
Contributor: Joe Boyd - Back To Top
It is well said that you can never be too rich and we all wish that we could procure some cash from somewhere but as we all know, that never happens. Many a times the majority of us are broke. These are the times when our credit cards are a lifeline and we can depend on them. So this way you can fix your bills. Credit cards can be really useful in times when you are low in cash. There are so many companies who offer many deals and services only for you. There is American Express and Visa, Discover and MasterCard among so many others. So don't just catch on to whatever comes your way, choose the one that is best for your needs.
Well so now that we know that we need a credit card for sure how and where and when are so many questions that pop up. Letís begin with the basics first. Go online and grab information on the various lucrative offers which the companies are giving you. Whichever companies you choose all have websites for basic information on the net. You should not go only for the annual percentage rate which the company offers but see other deals also be it any card Visa, American Express, Discover or Master Card. Okay, here's some food for thought; APRs such as 18.9 and 16.8 are awful. Most likely when you read the fine print, you'll see that these APRs apply to all purchases. But if you think about this for a moment that means that you'll be paying an awful percentage rate on every dollar you spend using that credit card. It's doubtful that you want this. In other words if you owe 5000 dollars on your card, every month you will be forking out 16-19 percent of that in just interest fees. Yikes! That's utterly dreadful.Be sure to do your homework when searching high and low for the best credit card offers currently out there. Try their official websites first. This means you should go to MasterCard.com or Visa.com. See what's offered right off the bat. Naturally you can acquire a better rate and higher credit line dependent upon your income. There are numerous cards offers to select from.
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