| |
| |
|
Kellys Credit Information |
|
|
|
SuperCharged Secret 4, Credit Card Utopia
YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER! Let's just take a brief moment to recap: If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things: With me? Good. These are all essential foundations that you need to follow in order to live in Credit-Card Utopia with me. In fact, you would think that there's not much more that can be done. Side note: I hope you are realizing the power of this information. It may seem simple, but are you doing it? No. So, be smart. Study this information, reflect on these insights, and move forward with them so you can truly benefit from this secret knowledge. On to Secret, #4: 1) It's very important that Utopians cover all bases, and leave no one behind. The 3 secrets we've covered, really deal with those of us who have fairly good credit. Now, if you don't have "good" credit, please don't discard these prior ideas. I didn't have "good credit" once. Who cares? How many people, small businesses, corporations, and large industrial countries, have said the exact same thing? 2) So, don't feel left out. Move towards Credit Card Utopia as a goal to move you into action. Our website (and many other fine websites around the internet) can provide you with many, many resources to work on your debt issues, or your credit score issues, or whatever. You might be surprised how FAST you can go from point A to point B. (Here's a tip: Don't waste time. Find assistance. Don't go at it alone.) 3) Getting back on track: Want a zero interest credit offer? Want a low-interest, no annual fee, incentive-based offer? Well, if you're struggling with credit or debt, then the first step is to tackle this issue from a different point of view. Give up on Visa®, MasterCard®, and AMEX®?At least the "unsecured" kind, and at least for now. There's nothing wrong with applying, and trying, but if you've been turned down, there are other ways to go. 4) Secret #4, revealed in an analogy: Do you live in a small town? If you do, you might have a small-town pub. Does everybody know your name? Does the bartender know you, and know the drink you like? Do you go into your pub after work, and down a stiff one, after a long day of working in the coal mines? Maybe it isn't payday yet. Do you think the bartender cares? Of course not! He wants you coming in so he can move his inventory of fine beers and spirits. He knows you. So, what does he do? Let's say this is the 1800s, and there's no such thing as "credit cards" amongst our meager coal-working small town clan. What does he do? Right! He runs you a tab. No interest rates, no worries, no big deal. He runs a tab. Why? Because he knows you're good for it, and he's moving inventory. He doesn't care about the interest, because he's making a profit off the sale of his beer. He knows where you live, and he knows you'll pay him back in a few days when you come in for a drink after you get paid. It's a virtual certainty. Now YOU, the small-town beer drinking coal worker, you're perfectly fine with this. The drink costs you the same whether you had cash now or later, and the bartender runs you a tab, in exchange for selling you more inventory. Everyone works together. You scratch my back, and I'll buy some more beer. 5) This concept of free "credit" provided to purchase inventory, is not a new concept. As you can see, it's been around for a long, long time. However, in modern times, it has tremendous application for folks with "poor" credit issues. The secret is that you buy merchandise (On stuff you already need, or are already buying) almost exclusively from merchants willing to give you credit at low to no interest. So, while you think you are in a tough position with credit issues, you actually turn it around, and allow it to become consumer buying power. Only shop with merchants that scratch your back. With me? 6) Now, where do you find these merchants? Well, in the real brick and mortar world, it's not that hard. You can start with department stores, gas cards, furniture outlets, electronics stores, jewelers, and a variety of other stores that you may do business with. I can't guarantee, of course, that they'll approve you. But many of these merchants run their credit departments in-house, and like our bartender, they're interested in moving inventory. So, I wouldn't take one "no" to mean that everyone will say "no". Not true. Many of the larger corporate chains do not offer low to no interest rates. But almost ALL of them offer huge discounts on initial purchases as incentives to get started. As of the writing of this article, for example, JCPenney® and Target® both offer 10% discounts on "new accounts". In addition, most of them do offer zero interest when balances are paid off each month, and some of them offer different plans to meet different customer's credit situations. Also, look to no-interest incentive specials that are going on for many larger-ticket items. Televisions, Furniture, etc. You'll also find many deferred-payment incentives that you can use to your advantage, or that you can utilize as a no-interest situation. You just have to shop around. They are out there. 7) Now, what about cyber-space? Is there a place to take advantage of this back-scratching secret in Silicon? Actually, YES! There is. Check this out: Many shopping portals online have realized the advantage of working with "poor" credit customers, and tailor-making a shopping experience that fits these specialized needs. We've listed several at our website, but of course, you can find them at any search-engine or at other reputable websites around the internet. In a nutshell, the shopping website offers a membership card for making purchases on credit. You go to the online mall, make your purchases for things you would already buy anyway, and build or rebuild your credit score. The shopping portal helps you out by reporting your credit activity to the major credit reporting bureaus, which in turn, improves your credit history. In addition, the membership benefits often times include such things as travel discounts, rental car discounts, and FREE credit reports. They almost always advertise guaranteed credit lines of up to $7500, and incentives for joining can include free merchandise (such as a free DVD player), or a merchandise voucher. Look for 30 day money-back guarantees, and look for no annual fees, and yes, look for "NO INTEREST" on the credit. Most of these sites will require an upfront membership fee, but then they immediately turn around and provide a merchandise voucher. For example, one portal charges $150 for the upfront membership fee, but then immediately provides a voucher of $200 for merchandise at their site. Because their customers generally have a history of poor credit, they do sometimes require an initial payment, or "down payment" on purchases until a relationship is established, but hey listen. So what? If you have credit issues, then you have to start rebuilding credit relationships somewhere. It sure beats Layaway! What a creative way to solve this problem. Everybody wins. You scratch my back, and I'll buy some more beer! Meanwhile, you're moving closer and closer to the pearly gates of Credit Card Utopia! We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense. Publisher's Directions: This article may be freely distributed so long as the copyright, author's information, disclaimer, and an active link (where possible) are included. Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site. About The Author Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom's website here: http://loanresource.org, or you can email Tom at info@loanresource.org.
MORE RESOURCES:
Google News |
|
|
|
RELATED ARTICLES
Identity Theft : They Got Him His hard earned money? Gone. Creditors on his back everyday. Finance - Money, Money Finance is a big word for some of us. It's a little scary. A No-Brainer Way Of Getting Credit And Credit Cards What Is Your Credit Rating Now?If you have any charge accounts now, or have ever borrowed from the bank to buy a car, or if you ar paying on a mortgage, there is credit information on you.Up until a few years ago, you could only guess at what your credit rating was, because the credit bureaus who keep track of borrowers wouldn't tell the borrowers anything! But that's been changed through several laws, and now the bureaus have to send you your credit file when you request it. Dont Trade Your Future for Todays DooDads "Easy Low Down Monthly Payment," "Buy Now Pay Later," "You Deserve the Car Today and We Can Finance It for You," & "Spend Today, 0% APR until Next Year!" We see those statements above every where today, on TV commercials, car dealership, banks and magazines. Those statements have put a lot of people into a financial disaster, because the statements make a lot of people believe that acquiring bad debts is an ok thing to do. What is on Your Credit Report? Your credit report is a very important piece of the puzzle in your financial picture. It contains a historical record of your personal and financial information including a listing of your current and past debts and the timeliness of your payments. Types of Credit Cards There are a whole variety of different types of credit cards available which can make choosing the right one a very confusing experience. In order to help you decide, listed below is a useful breakdown of the various types of credit cards available. Credit Card Expenses Are Killing Your Budget! Do you know the costs associated with your credit card? Do your really know? Many people assume they do but aren't aware of the hidden fees that many credit card companies are charging you month after month. In fact, if you don't keep a close eye on your credit card, you may end up paying hundreds of extra dollars per year-without ever knowing it! And if you're trying to budget your money, those hidden fees can add up!Let's take a look at some of the most common credit card fees, and then talk about how you can avoid them. Two Things You Need To Know About Prepaid Debit Cards According to the September 2004 issue of the Nilson Report, around $588 billion dollars worth of debit cards were bought in the United States in 2003. By 2008 that volume is expected to grow to $1. Good Credit Is Not A Good Reason To Borrow More Money After Youve Achieved Financial Freedom The most important thing for you to remember is that the only way you'll ever be able to achieve financial freedom is if you are able to avoid getting back into debt once you've paid off everything that you owe. It seems like a lot of the different websites that give advice regarding bad credit are not looking at this the right way. Stop Credit Card Offers You can stop receiving credit card offers in the mail! It's really easy to do - just phone 1-888-567-8688 and follow the prompts and provide the requested information including Social Security number, date of birth, etc.Do this for every adult member of your household, including college students. Credit Card Entrapment - The Secrets are Out Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you definitely pay for it and BIG!The next time you open up your credit card statement, take a real close look to all the "junk" inside particularly the very hard to read insert Call "changes to you credit card agreement". Free Credit Report - A Website Typo Could Be Costly In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT), which made it possible for consumers to obtain a copy of their credit report for free. In fact, the legislation makes it possible for consumers to obtain one free report from each of the three main credit bureaus - Experian, Trans Union, and Equifax, per year. Recognizing the Signs that You Might Need Credit Counseling Most families in America today have a credit card; some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society. Why Credit Cards are a Bad Idea Credit cards are just so convenient, aren't they? There's no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven't been paid yet, then you don't need to worry, because the money will still be there. Bankruptcy vs. Credit Counseling: What Should I Do? Credit Counseling and bankruptcy are both ways to relieve the stress of debt. However, they are very different and it is important to understand both before making a decision as to which is best for you. 10 Signs You May Need Credit Counseling Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts. Home Loans - Repair Your Credit Before You Buy Before you take out a home loan or make any major purchase, you should be aware that any prospective lender will want to take a look at your credit report. Your credit report is a record of all of your past financial dealings, and any loans, credit cards, judgements, bankruptcies or other major financial transactions are listed there. Warning: Free Credit Report Imposter Websites Springing Up on the Web A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September. I've Heard About FACTA; What Does It mean? What FACTA means is that if you, as an individual, lose the information on anyone you have ever hired; or, for any business in the United States of America that collects any personal information on people, if the information should be lost due to not destroying the information properly, then two things can happen. First, there are federal fines of up to $2,500. 10 Tips To Prevent Credit Card Fraud Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made.Impossible?Credit card fraud on the rise, so you need to treat your card and its information with extreme care.
|
| home | site map |
| © 2006 |
