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credit these tips can help you increase your credit score at 5 51 pm 2 comments email this blogthis share to x share to facebook share to pinterest wednesday october 31 2012 tips for secure usage of credit card nothing in the world feels quite as terrible as having your credit card stolen and when your credit card information gets stolen online it s a whole different story your card isn t secure anywhere especially the internet when shopping online stick to some guidelines to keep your credit card information safe first and foremost shop only at sites you trust steer clear of clicking on email links because these links could take you to a fake website that s set up for the sole purpose of stealing your card information as a substitute go straight to the real website by typing the url in your internet browser tips to adopt responsible behaviour when you use your credit card at retail outlets keep receipts for your purchases and compare the amounts to what you are being charged on your monthly statement errors have been known to occur never give merchants your personal information even if they ask for it all they can legally request is a valid card and your signature report the loss or theft of your card quickly if a fraud occurs take advantage of zero liability if your number or card is stolen while you re shopping you ll be free from your responsibility as a consumer and you won t have to pay anything you must be able to provide reasonable proof that you are not accountable for any purchases that were made unless they required the use of your personal identification number pin consequently it is important to always review your monthly statements carefully in order to detect any unauthorized transactions your cardholder agreement provides a definition of an unauthorized transaction make a list of all your cards and their numbers keep the list in a safe place other than in your wallet or purse it will be easier to cancel them in the event of loss or theft you will be held responsible for purchases made with your card with or without your consent by anyone in your entourage ensure that the card you are handed back after you make a purchase is yours never give your card number over the phone unless you are placing the call or are certain of the person who is calling on the internet only conduct financial transactions on secure websites often identified by a small padlock in the bottom right of the screen and by a url that begins with https never give your card number by e mail by no means should you leave your card unattended at work or school most card thefts take place in these locations sign the back of any new card as soon as you receive it and destroy any expired or unused cards check with your card provider your card may also provide you with purchase security and extended warranty insurance which protects your purchases from loss theft or damage and extends the manufacturer s warranty at 5 57 pm 22 comments email this blogthis share to x share to facebook share to pinterest saturday october 13 2012 getting your credit reports if you want to improve your credit you first need to gather some information and do a little research you will probably want to focus on the three major credit bureaus experian equifax and transunion that most banks use to qualify you for financial products like loans credit cards etc fortunately you are entitled to a free copy of your credit report every year so this doesn t have to cost you a dime if you have not already done so within the past year you can go to annual credit report s website and get your free report there from each of the above mentioned bureaus you will have to answer a few questions about personal information to confirm your identity then you will get your full report from each bureau however if you have already used annual credit report to get your free reports this year and it was more than a month ago you should get new reports another way looking at old reports is a recipe for disaster trust me get current ones before you proceed with any credit repair steps one option is to write a simple letter to each of the bureaus requesting a copy of your report and stating a reason why you need it for example perhaps you believe there is an error in the report and wish to review it they may just send the reports for free or they may send you a letter informing you that it will cost x xx to order a report if you have been denied credit or had an adverse action taken against you within the past 60 days due to information in your credit report you are also entitled to a free credit report from the agency that provided the negative information that covers a wide range of possibilities a few examples of an adverse action include decreasing your credit limit or increasing your interest rate on a credit card refusing to grant a credit limit increase that you requested and denying an application that you made for a loan mortgage or credit card if any of these things happened you have grounds to request a new free credit report regardless of whether you have already received a free one within the past year just note that in this case you only get a free report from the bureau that provided your credit report to the bank that subsequently took an adverse action against you you can request a free report due to adverse action via the credit bureaus websites or by calling or writing to them do not obtain your credit report from any other source that requires you to pay for it there are many many third party sources of credit reports and credit monitoring services that will try to sell you your credit report and or score they do have a role in the credit repair process but not at this stage you want to get your original reports directly from the source if it did not come directly from experian equifax or transunion or annual credit report then you may run into issues down the road when you start trying to dispute things so make sure you do this step right and get the report from the proper place a final note about obtaining your credit reports if you do so by sending a letter to the bureaus they will require several items in order to confirm your identity before they will send your reports they sometimes ask for different pieces of information but the general standard request they make is for a copy of a government issued id such as a driver s license your full name address date of birth and social security number and a recent utility bill for proof of address you can either send out your request letter first and wait to see what they request or if you want to get your reports faster you can include all of the items i just mentioned with your initial request letter i have personally done this every time i requested reports and they always sent them out immediately without asking for further documents but it is possible for them to still request something more so don t be mortified if they do identity theft is a huge problem nowadays and the credit bureaus try to lean on the paranoid side to avoid getting sued okay do you have your credit reports in hand now you re ready for the next step checking your credit reports for accuracy at 5 55 pm no comments email this blogthis share to x share to facebook share to pinterest sunday september 30 2012 travelling for free with credit cards internet savvy travelers sometimes called travel hackers who are willing to do a little online research are able to get airline tickets at a greatly reduced cost or even for free by applying a few simple techniques used by experienced travel hackers almost any traveler can get airline tickets at prices that will make traveling by air a pleasurable experience a relatively simple way to get airline tickets for free is through promotions on credit cards especially airline credit cards most modern travelers already participate in a form of travel hacking when they visit online reservation sites such as priceline com or orbitz com by using aggregate sites like these to compare prices travelers can reduce the cost of their airline tickets by twenty five percent or more experienced travel hackers take the concept of reduced prices a step further by seeking ways to get an airline ticket for free finance companies are constantly seeking out new credit worthy applicants by offering marketing promotions such as zero or low interest rates for the first year no annual fees or even free frequent flyer miles a simple search on google for credit card frequent flyer miles will yield over a million results many of these websites will display comparisons of the various companies currently offering mile promotions companies typically entice new applicants by offering promotions for twenty thousand thirty thousand or even fifty thousand frequent flyer miles travelers can then use those frequent flyer miles to get free airline tickets when comparing credit cards for the best frequent flyer miles deal travelers need to ask the following questions 1 is there an annual fee if so then a wise traveler may want to avoid applying for the credit card since many companies do not require an annual fee 2 can the frequent flyer miles be used on multiple airlines or are the miles specific to one airline southwest airlines offers a twenty five thousand frequent flyer miles promotion on its credit card which is good for a free roundtrip flight but the traveler is limited to southwest airlines 3 what are the interest rates even if the card holder has good intentions to pay off a card each month unexpected things do happen consequently potential applicants may want to avoid cards with high interest rates 4 is there a minimum purchase requirement some companies require card holders to make a certain amount of purchases within a specific timeframe in order to qualify for the frequent flyer miles 5 last but not least how many miles does the company offer and does the company offer any additional ways to earn frequent flyer miles in addition to the initial free miles many finance companies will award the card holder with one or two miles for each dollar charged to the credit card although acquiring free frequent flyer miles is enticing a wise traveler knows that credit cards can be dangerous if used unwisely anything a traveler charges to a credit card must eventually be paid a true travel hacker knows their limits and controls their spending using the techniques discussed anyone with reasonable credit has the ability to acquire enough frequent flyer miles to fly for free why wait become a true travel hacker and apply for a credit card today at 5 52 pm no comments email this blogthis share to x share to facebook share to pinterest friday september 14 2012 four credit card mistakes that can cost you money there are four major mistakes most people do with lines of credit that keep them from increasing their wealth it is these four mistakes the smart wealthy do not make which make them wealthier start by checking the fine print of your offers checking your purchases paying down your debts and breaking these five bad habits it s in the fine print credit card companies use flashy advertisements to grab your attention in reality the fine print notes that those rates are introductory often ending in as little as a month or your next bill cash back is also not as good as it seems many companies use it as a marketing ploy but the fine print usually dictates how it can be spent and that s usually only with them and their partners credit card companies are not out there with your best interest at heart they are there to make money and lots of it read the fine print with scrutiny and ask when do the introductory rates end what are the normal rates what causes rates to go up again and how much do the rates fluctuate do rates increase for late payments do rate changes depend on your credit score can they charge compound interest on late payments can they charge extra fees can they charge you for paying off your bill additionally we need to know if they charge for using the card where they charge and if the card is accepted only at certain stores or venues also many companies charge if you do not keep a minimum debt on the card which is a bust for those who pay off their bill each month using credit as investment funds many of us begin our credit card debt by purchasing consumables this is the absolute worst way to waste the loan the credit card companies give us with the little card consumables include small purchases such as food drinks movies services and other random things which immediately lose their monetary value upon purchase those who look for ways to increase their wealth use credit cards as a form of investment they also use it as an emergency fund and only use it to buy consumables if they know for certain they can pay those off on their next bill before they get charged interest for the wealthy the investment option means they use the money to generate money thereby offsetting the interest charges how does that work it s simple by using the line of credit to purchase things that appreciate in value or increase in value over time more than the interest rate costs them they create an income source that also is tax free until they sell that item usually this amounts to antiques rare cars properties and business investments credit cards are not free money this is a loan from a business to you if you do plan to use it for everyday expenses be forewarned only do this if you have the cash in your bank account to pay off the purchases before the next bill in order to earn points or other rewards and check the fine print so see if non carried over debt actually counts for that paying down the debt if you simply pay down the minimum monthly balance and let interest accrue on the remainder you set yourself up for increasing debt the minimum payment is only for covering the interest thus creating an income for the credit card company the larger your charges are on your account the more interest they earn from you each month how do we end this cycle 1 start by stopping credit card use if you don t have cash for food and beverages when out learn to make time for them at home which also means you will be saving money by doing so 2 pay down the minimum monthly payment plus as much as you can on the bill can you cut some expenses over the next few months and reduce your credit card debt by half or more create a financial plan that enables you to do so 3 read the fine print on all of your current cards and calculate how much interest you are paying and how much of that interest makes up the monthly payment then decide if you can consolidate them into a lower interest card take out a lower interest loan to pay them off or pay off smaller cards with one card to eliminate multiple debt avenues 4 pay off cards with the highest interest rates first and those with the highest balance second work to eliminate as many credit cards as possible from your debt and wallet eliminat...