Credit Cards

Credit Cards and Debit Cards use the same networks. In fact, the first cards were issued by major lenders and then these networks were used by banks when they began issuing cards to slowly replace personal written checks. Credit cards and their debit cousins are an essential part of modern spending, since they can be…

A lot of individuals have a poor credit rating due to some reason or another. Loan defaults, inability to clear the dues on time, etc. are some of the common reasons behind lower credit ratings. Often, banks deny regular credit cards to folks with damaged credit. In case you happen to be among these individuals,…

There are many things to shoot for when searching for the right credit card. Some borrowers want to find a low interest rate, while others are attracted to certain perks offered or the length of the grace period. Perhaps just as valuable as a low interest rate is reasonable penalty conditions. Being trapped with credit…

So, you would like to acquire your first credit card? Or perhaps you would like to acquire an additional credit card.  Today, there are numerous options when it comes to finding and signing up for one. There are also benefits to having a credit card as long as you use it responsibly. Standard credit cards…

When it comes to rewards credit cards, there are numerous options to choose from, but the two main ones are cash back rewards and travel rewards cards. A rewards credit card is a card that goes beyond the regular function of a standard credit card.  Not only can you get the benefit of building credit…

Are you wondering how an unsecured credit card works? An unsecured credit card is a special card which doesn't require you to have a security deposit to be approved or to raise your credit limit. When most people talk about a credit card, they generally are referring to an unsecured credit card.   Differences Between…

Just because you are retired and perhaps living on a fixed income doesn't meant that a credit card can't be a useful tool. Many seniors enjoy the flexibility and convenience of credit cards, although choosing the right one requires some research as you don't want to accrue excessive debt and be faced with high payments…

Credit cards are convenient but come with strings attached. While credit card offers often flood the mail of many homes, it is important to read the fine print in order to avoid hundreds of pounds of unnecessary costs. Easy credit can be a trap, so it is essential to understand the difference in credit card…

Today, it is almost difficult to imagine a world without credit cards. A vast majority of people use these cards for making payments and/or buying things they need. However, you should familiarize yourself with the various types of cards out there in order to find the most suitable option for you. There are literally hundreds…

What is a Credit Card Authorization Form? A credit card authorization form is a very important financial document, which is signed by a credit card holder to give their consent to a merchant or other entity to charge a certain amount to their credit card. The main purpose of this authorization form is to protect…