So there is a new year approaching and you’re thinking already about next year and what it’ll bring in the way of good fortune or bad. You may also be thinking about having a better Christmas next year by applying for a decent credit card now. It’s not a bad move, since all the credit cards out there rely on you building your rating before they increase your spending limit… (more…)
Archive for December, 2009
Types of Credit Cards
Thursday, December 31st, 2009January Sales with Credit
Monday, December 28th, 2009You don’t think you can enjoy the January sales? Well why not? Go out and use your damn credit card. You can usually pay for it all later anyway, never mind worrying about the monthly repayments. I’m still paying off last year’s January sales…. (more…)
Christmas Credit Card Fraud
Friday, December 25th, 2009I’ve already told you in a previous post on this subject that credit card fraud is very common at this time of year, and that credit card theives and fraudsters will stop at nothing to get their filthy hands on your money or goods. There are a few things you can do however, but surprisingly many of you still don’t… (more…)
Credit Card Fraud
Tuesday, December 22nd, 2009Watch out in this season of good will, because not everyone is in the same festive “good will to all men” kind of vibe. Thousands of people are victims of credit card theft and fraud at this time of year, so i’ve come up with a few pointers to protect you… (more…)
Pre Paid Credit
Friday, December 18th, 2009If you are rubbish with money and you cannot possibly control your spending habit, you should probably consider a prepaid credit card. It is, contrary to popular belief, still a credit card. Just because it doesn’t work in the same way as a conventional credit card doesn’t make it any different in the way that you spend credit; only this way the credit is already on the card because you put it there… (more…)
Credit Card Management
Tuesday, December 15th, 2009Now i am of the firm belief that some people are good with money and some are not; and then there are some more of us who are absolutely terrible, and shouldn’t be let near a credit card if it was the last available object in the world that could save their life… (more…)
Credit to Survive
Friday, December 11th, 2009Here’s a common enough story, and one i also hope none of you reading this will encounter. I remember a chap i went to university with who had a few credit problems. He used to have quite a tedious job in a factory or something like that but decided to better himself by going to university… (more…)
Why Bad Credit?
Tuesday, December 8th, 2009There are many reasons for having a bad credit rating, and not all of them are your fault. Sounds odd doesn’t it, but it’s true. I had a bad credit rating many, many years ago just because i signed on the dotted line for someone else who had bad credit. Suffice to say they didn’t keep up the payments on their sofa, or whatever it was, and i was landed the bill; and surprise surprise, i couldn’t pay it… (more…)
Refused Credit?
Friday, December 4th, 2009Well join the club, because in today’s financial climate there aren’t many that haven’t been refused a credit card. There isn’t much good news surrounding this issue other than there are ways to rebuild your credit rating; for those who don’t know about credit rating, it’s what all credit companies use to “score” how good you have been with credit over the space of you life so far… (more…)
Credit companies get choosy
Tuesday, December 1st, 2009If you haven’t got a good credit score these days then you’re unlikely to get a credit card; well you’re unlikely to get a good credit card anyway! There are so many out there prepared to rip you off, yet they want to know everything about you, and charge you a small fortune for the pleasure of holding one of their credit cards it seems so unfair… (more…)