Many travel credit cards offer signup bonus that can be exchanged for free air tickets or free nights at the sponsored hotels. In addition to the signup bonus, you will also earn rewards points for every dollar spend on selected categories. The following are the top 3 travel credit cards that offer the best signup bonus in April 2017. 1. Ink Business Preferred Ink Business Preferred offers a signup bonus of 80,000 bonus points when you spend at least $5,000 within a period of 3 months starting from the time you open the account. The 80,000 bonus points can be used to exchanged for freeRead More →

The Consumer Credit Directive (CCD) is responsible for regulating personal loans in the Europe. CCD started operating in May 2008 under the authority of the European Council. The purpose of its establishment is to protect European consumers from fraud in all kinds of unsecured credit products. It provides educational materials to help consumers to understand about each of the different types of unsecured loan products. Examples of unsecured loans are personal loans and credit card where there is no requirement to put in a security deposit. Many consumer loan providers have make the necessary preparations in order to adhere to the regulations of the ConsumerRead More →

A vacation at Disney World can get expensive especially when you are bringing your whole family. You not only have to take into account the cost of the entrance ticket but also on other expenses such as accommodation, food, and transportation. To offset the expenses of vacationing at Disney World, you can use travel rewards credit cards. The following are the top 5 travel credit cards that can be used for traveling to Disney World. 1. Southwest Rapid Rewards Plus Credit Card Southwest Rapid Rewards Plus Credit Card will rewards you with 50,000 points when you have spent a minimum of $2,000 in 3 months.Read More →

It makes sense to apply a balance transfer card even if you owe lesser than $1,000 in credit card debt. Some people find it difficult to pay off their debt because their income is not enough to cover up the credit card bill. If you have a good credit score, you should consider applying a balance transfer card as you can easily qualify for a card that offers a long introduction period. The zero percent intro period can last for as short as 3 months and as long as 21 months. It is important that you know how long the intro period will last asRead More →

Zero percent credit cards are credit cards that come with an introductory offer where you don’t have to pay interest fee on the balance that is accrue for a certain period of time. Because of the zero percent promotion offer, many people have used their cards to fund big purchases while paying it off by installment without the interest fee charges. The following are the top 4 zero percent credit cards that can be used to fund big purchases this year. 1. Chase Slate Chase Slate is offering a zero percent intro period for purchases and balance transfer for 1 year and 3 months. YouRead More →

Many young people graduated college with a large pile of debt. But student debt is not the main reason why a lot of young people are in debt. According to recent the statistics, young adults in between 18 – 24 years old spend more than what they are earning in their wages. It is estimated that young adults born in between 1980 – 1984 have an average credit card debt of over $5,000. They rely on credit cards to pay for their living expenses while waiting for their next pay check. It is always best to save money money so that you can use yourRead More →

Late payment can affect your credit report by making your credit score drops by a few points. You don’t have to be too alarmed if you miss the due date. Just one late payment will not do much harm to your credit score. If you quickly take action, you will be able to save your credit score from slipping further to a poorer rating. If you are already behind your credit card, you can set up a payment reminder to make payment promptly on the next due date. Many credit card companies allow you to set up payment reminders through SMS text messaging and email.Read More →

More and more people are preferring credit union credit cards because they are tired with the bank issued credit cards. Credit unions is different than a bank because it is a non for profit organization. Credit union is well known for their excellent customer service and they always modify the terms of credit cards to help customers with financial hardship to start all over their lives again. One benefit of a credit union credit card is that it charges lower interest and fees. Credit union credit cards are several points lower than than interest rates of a bank. The average penalty APR in a creditRead More →

Capital One offers credit cards with generous rewards program for people who plan to travel to any part of the world including Mexico. Capital One offers 2 credit cards including Venture Rewards and VentureOne Reward cards. Capital One Venture Rewards credit card runs a great promotion program that rewards you with 40,000 miles when you spend at least $3,000 within a period of 3 months. You can get a $400 travel discount when you redeem the 40,000 miles bonus. You will earn double miles for all your purchases without any cap on how much miles you can earn. You can use the card to flyRead More →

Students don’t have enough credit history so they will instantly get denied when they apply for a regular credit card. All regular credit cards require at least some credit history in your credit report. It may need at least an average credit score to get approved for a regular card. Without a credit history, you can’t qualify for the regular card but you can still get a student credit card. Student credit card has low credit limit and less interesting rewards program but they are good for building up credit. The whole point of getting a student credit card is to develop a good spendingRead More →