March 23, 2018

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How to Compare Credit Card Companies

Important Things to Know About Credit Cards

Improving Your Credit


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

How to Compare Credit Card Companies

If you are searching for a zero interest credit card it may be hard to determine which one is the right one for you. Some simple steps to compare and contrast several companies will have you headed in the right direction to finding a quality card.

Research Online
Start your search online for a quality credit card company. Gather the names of several companies to compare and contrast. Independent product review companies do a great job of listing several credit card companies and do much of the comparison work for you. They allow you to quickly identify which reputable companies to go with and which ones to avoid.

Customer Service
Customer Service is important especially when you're dealing with money. You'll want a credit card company that puts the customer first. Companies that fail to answer the phone timely, are unprofessional or lacking the will and desire to work through a problem aren't worth your time. Make sure you identify if your credit card company of choice prioritizes the customer.

Balance Loading
If you're looking for a zero interest credit card you'll typically find a card that requires you load a balance first before use. When choosing a company, find one that allows you to easily make payment (or load) via efficient methods. You might look for loading stations near your home or work or other alternatives to quickly apply a balance to your card. Is there a maximum or minimum amount that must be loaded each time? Make sure you know any rules associated with balances.

Compare Fees
Compare the fees at each credit card company you're considering. Many charge a monthly service fee, a loading fee, application fee and more. You'll want to look at all aspects of their fee structure before obtaining any card to avoid surprise and unnecessary expenses.

Don't Over Apply
In the process of looking for the best credit card, don't over apply. When you do so you're credit is impacted. If two or three credit companies have rejected your credit card application donít continue with more requests. Wait for your credit score to improve with the use of a prepaid or zero interest credit card first. These credit cards generally do not run a credit check and will tell you specifically if they do.

Comparing and contrasting several zero interest credit cards at once can be organized and effective if you utilize the internet to assist. Research online by using independent reviews. Make sure they have a decent customer team by calling and asking any question you might have. Also, confirm the loading process is simple and convenient to where you live or work.

How The Fed Rate Increase Impacts Credit Card Debt

That means borrowers will likely see their credit card interest rate increase within a day of the federal funds rate increase. When you hear that the Fed has increased rates by 0.25%, you can expect your credit card interest rate to increase by 0.25%.

Published:  Thu, 22 Mar 2018 10:16:00 GMT

How Federal Reserve rate hike will affect mortgages, auto loans, credit cards

For a $10,000 credit-card balance, a quarter-point hike is likely to add $25 a month in interest, Rick says ... He expects average one-year CD rates to rise from about 0.5% to 0.7% by year-end. Yet a handful of online and community banks, credit unions ...

Published:  Wed, 21 Mar 2018 04:00:07 GMT

How to lower your credit card costs before the Fed starts hiking rates

The good news is that interest rates remain historically low, so card companies are offering cards that boast long-term zero percent balance transfers. If you have balances on a number of variable-rate credit cards, consider consolidating them all to a ...

Published:  Tue, 20 Mar 2018 08:04:00 GMT

It's going to cost us: As the Fed raises interest rates, the cost of credit cards, car loans and mortgages will rise

That's because credit card companies generally offer variable interest rates that are adjusted in real ... The increase in the federal funds rate announced Wednesday - 0.25 percentage points to a range of 1.5 to 1.75 percent - won't make a huge ...

Published:  Thu, 22 Mar 2018 14:15:00 GMT

If You Insist on Paying Taxes With a Credit Card, Here's How

But if you insist on paying your tax bill with a credit card, tax pros say either of these tactics might work - if handled carefully. How it works: You use a card with a 0% introductory interest rate to pay your tax bill on time, then you pay off the ...

Published:  Thu, 22 Mar 2018 14:14:00 GMT

As Fed raises rates, look for higher costs on credit cards, car loans and home mortgages

That's because credit card companies generally offer variable interest rates that are adjusted in real ... The increase in the federal funds rate announced Wednesday - 0.25 percentage points to a range of 1.5 to 1.75 percent - won't make a huge impact ...

Published:  Thu, 22 Mar 2018 10:52:00 GMT

New app lets you use your credit card like a debit card

While there is no fee for the app, Psillas says that a profit is made by making recommendations through intelligent ads. This means users will see ads for things like cheaper, more efficient checking accounts, credit cards with a lower interest rate ...

Published:  Thu, 22 Mar 2018 13:45:00 GMT

S&P/Experian Consumer Credit Default Indices Show Bank Card Default Rates Continued To Climb In February 2018

The indices represent a comprehensive measure of changes in consumer credit defaults and show that the composite rate increased one basis point from January to 0.96% ... more than two years. While interest rates on bank cards are substantially higher ...

Published:  Tue, 20 Mar 2018 07:41:00 GMT

Citigroup will refund customers $335 million after discovering it charged too much credit-card interest

"Citi has semi-annually reviewed U.S. credit-card accounts that experienced an interest-rate increase to identify those eligible ... The company will find customers who no longer have an account with the bank and make sure they receive their refund.

Published:  Fri, 23 Feb 2018 11:35:00 GMT

Medical credit cards can mean aches and pains for patients

"They don't understand they have opened a new line of credit and all the risks involved with that." Most cards feature a "zero interest" promotional period of up to 18 months. But then the interest rate can jump to 25 percent or higher. Those details can ...

Published:  Wed, 10 Jan 2018 01:11:00 GMT

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