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Credit Cards for Minors?

In the United States, people under the age of 18 cannot legally enter into any contracts without a co-signer, but what about the increasing number of parents who are getting credit cards in their children's names? Do minors really need access to credit cards?

It's really a decision that is unique to each family. The most common reasons parents may decide to get a credit card in the name of their child include:

For emergencies
Letting the child (probably a teenager) do their own school shopping
Purchasing lunch and other necessities while out with friends
For traveling (perhaps the child visits family members regularly)

When you are deciding whether or not to get your child a credit card, you'll want to think about their age and maturity level. An elementary school student has very limited knowledge of what money is and how people get money. On the other hand, a teenager often has a better concept of how money is earned and what it's used for, and could be taught appropriate use of a credit card.

Many parents like the idea of getting their teenager a credit card in order to start teaching them about financial responsibility. If this is your goal, then obviously you don't want to hand the credit card to your child and let them have at it! You'll need to spend some time discussing the reasons for the child to have a credit card, set limits, and discuss how payments will be made with the card. Will your teenager be responsible for paying back the charges made to the card? If so, be sure you and your child discuss this as well.

Alternatives to Credit Cards

What parents may want to consider instead of an actual interest-bearing credit card is a debit card. Setting your teenager up with a bank account with a debit card teaches them to spend money they actually have, rather than spending money and paying for it later. It is up to you how the bank account itself is funded, but some parents have set up "direct deposits" for their children's allowance- which the child accesses using their debit card.

A "Charge Card" is another good option for the younger crowd. While they can be used to charge purchases, you cannot carry a balance from month to month on the card and must make the payment in full each month. This will teach your child responsibility for "charging"- provided you don't just pay it off each month for them without some discussion or maybe requiring the teenager to use their part time job or babysitting money to make the payments.

If you decide you want to get a credit card, charge card, or debit card for your own child, be sure you look into the rules of such an account with the provider you want to go with. Some credit card companies restrict the "additional cards" to people of a minimum age; while others allow anyone of any age to be the secondary card holder. Same goes for charge cards. For debit card accounts, there are banks that offer youth checking or savings accounts with debit cards that are specifically geared to the needs of teenagers. That might be your best option for instilling financial responsibility in your children.

How to Use Credit Cards, Charge Cards or Debit Cards to Teach Financial Responsibility to Children

When getting a card issued in your child's name, it's important that you spend some time with the child teaching them the basics. Don't take for granted that they will already have this knowledge. If the goal is to use the cards for teaching financial responsibility, here are some things to consider:

Teach your children not to lend their cards to friends for any reason
Review bank statements together monthly and compare receipts with purchases made on the statement
Teach children to pay more than the minimum payment - and teach them why that's important!
Discuss what a credit score is and how it affects people in life

Balance Transfer Credit Cards FAQ

When it comes to using balance transfer credit cards, many consumers are filled with questions and concerns. While there are many benefits to using a balance transfer credit card, it is always best to have these questions answered and the concerns satisfied before moving forward with applying for one of these cards.

How Can Balance Transfer Credit Cards Save Me Money?

Balance transfer credit cards can save you money by reducing the amount of finance charges you pay every year. If you transfer even a small amount of money, such a $1,000, from a card with a higher APR to one with a lower APR, you will see a difference. For example, if you have a credit card with a 20% APR, you will pay $200 per year to maintain that $1,000 balance. On the other hand, you will pay only $80 on that same balance if you have a credit card with an 8% APR. That is a savings of $120! Imagine how much you will save on larger balances.

Even better, the best balance transfer credit cards offer 0.00% introductory APRs, which means you will pay no finance charges while that introductory period is active. With some balance transfer credit cards, this special rate remains in place until the entire amount you transferred is paid off.

What is an "Introductory Rate?"

An introductory rate is a special APR that lasts for a limited time. Often, the length of time this rate is in place is determined by your credit history. The introductory rate can be in place for as long as one year, though more common durations are six months, three months, and one month.

What is a "Fixed Rate?"

A fixed rate is a rate that does not change. Balance transfer credit cards with a low fixed rate may not offer a 0.00% introductory APR, but they might offer a 7.99% APR that remains this low no matter how long it takes you to pay off your balance, rather than skyrocketing up to 19.99% after the introductory period is over.

Why Does Everyone Say Balance Transfer Credit Cards are More Convenient?

Many people feel balance transfer credit cards are more convenient because it places all of your debt in one place. This makes it easier to track your expenses, to create a budget, and to get your bills paid on time.

Is it OK to Pay Only the Minimum Payment on My Balance Transfer Credit Card?

From a legal standpoint, all you are required to pay on your balance transfer credit card is the minimum payment. From a financial standpoint, however, this is a bad habit to get into. If you pay only the minimum payment, it can take you decades to pay off your debt - and that assumes you are not adding any more debt to your balance. So, if you want to get out of debt (and who doesn't?), it is best to pay off more than your minimum payment. Set up a budget that allows for regular payments above your minimum payment to be sent to the credit card company - and stick to it.

Will a Balance Transfer Credit Card Get Me Out of Debt?

Yes and no. If used alone, a balance transfer credit card will not get you out of debt. If you transfer all of your credit card balances to your balance transfer credit card and pay only the minimum payment, it can still take you years to pay off the debt. Therefore, a balance transfer credit card should be viewed as one tool in you tool belt for helping you work your way out of debt. If used correctly and to its fullest advantage, it can help you get out - and stay out - of debt.

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Online Credit Card Processor How to Choose

When choosing an agent of a credit card several aspects should be consulted, in addition to the costs into account. There are many off-line and online merchant account sources to choose from. You should consider what they have to offer and how they contribute to meet your specific needs.

One of the best places to start your research is to determine who want credit cards or debit does not accept it. American Express and Discover give you the opportunity to apply directly, butMasterCard and Visa require you to set the service through one of their channels of distribution.

For example, the place that you can now bank offers merchant services the best, and perhaps the easiest way to start your credit card to purchase the processor. Often, the merchant marine are bundled with the distributors of products that do not need or use. Worth a look in banks packaged services, but you can use your merchant account want a la carte.

Theremany independent distributors who sell merchant accounts, credit card swipe machines and even software to process credit cards online. ISO is not really the solution to the payment, which can be run from third. The third may be your bank or a bank by the state.

Your local chamber of commerce or other groups in the network may be a good source of tips for finding a reliable merchant services card orCompany. Ask other entrepreneurs known for their recommendations, including colleagues in the same sector may be particularly useful. Restaurants, car dealers and all doctors have different needs when it comes to accepting credit cards, debit cards and gift shop, office, or online. Someone in the field as you've found a good solution for your needs, even if only now discovering what are the needs.

Perhaps most important of the light Variations on the cost and the price is an organization on customer service. Remember, a credit card business is like any other account, and if you need assistance or clarification, time is money. If the company offers recommendations that call and ask how easy or difficult it is to you by customer services and ask how the processor thepayment is fair in dealing with controversial or charge back fees.

Some providers, especially web-based> Payment Systems can be used for customer service or different levels of service cost to the customer on a monthly basis or even event. Some companies may, at any time, even during the weekend and the opening of certain service departments are only reached during normal business hours. Consider, if not most of the sales and let your guide. Even online, can also help, internet, will be offered telephone support.

My final advice is to ensure that the activitiesrespectable society. In the case of Visa and MasterCard set the processor to manage your money and ensure that timely paid. Check the Better Business Bureau and on-line assessment of the discomfort only lasts a few minutes and can this information could be long term ... "inestimable.

American Credit Collections -- How to NOT aggregate a debt

I got a nastygram from American Credit Collections, LLC. out of Scranton, Pennsylvania in the beginning on June, 2007. I immediately called their telephone number and received a series of harassing telephone calls. This company does not appear to be a licensed debt collector in my state, a class I felony. Additionally, their collection letter threatened post-judgment remedies, "aggressive legal action" and stated they were verifying my employment and attempting to locate assets that could satisfy the debt. Please note, this debt, if at all legitimate, is way beyond the statute of limitations. Of course, ACC has somehow managed to re-age or otherwise misrepresent the date of chargeoff. According to my records, the account was opened March 24, 1998, last payment May 10, 1999 and charged off on December 20, 1999 for $658. What follows is fantastic example of the illegal tactics that "fly by night" debt collection companies use. Be warned. Update: If you've paid these people by credit card or check, I'd love to find out the name on the account they routed the money through. Please shoot me a PM!

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7 Tips to Help You Get a Credit Card Limit Increase

Many credit card holders would like to obtain a higher credit card limit. The main purpose for this is that a higher credit card limit enables the purchase of otherwise unaffordable merchandise.

First of all, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the issuing credit card company or bank.

Here are seven tips toward obtaining a higher credit card limit:

1. The most important thing to do toward getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when approving a higher credit limit.

2. Always spend within your credit card limit. Doing so communicates to your credit card lender that you are capable of controlling your expenses.

3. Use your credit card regularly. Don't keep your credit cards for emergency use only. If you use your credit cards just occasionally, banks and credit card companies will be unable to understand your spending and payment behavior. By using your credit card minimally, most banks and credit card companies will be reluctant to give you a higher credit card limit.

4. Don't make minimum payments. Instead, try to pay for the entire outstanding amount. This method of repayment will usually give you a better chance of getting a higher credit card limit.

5. Attract positive attention from the credit card company or bank by paying interest finance charges once in a while. Obviously, this is not advisable on a continual basis and should only be used as a last resort to increase your chances of getting a higher credit limit.

Proving to credit card companies and banks that you are good borrower can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying finance charges which can accumulate in a hurry.

6. Avoid late payments. Not only will your payment increase, but you will also have to pay an additional fee for late payment. This will also decrease your chances of getting a higher credit card limit.

7. The best and simplest strategy for obtaining a higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay your credit card bill on time.

The bottom line is that your performance on record at your bank and credit card company will determine whether you'll get a higher credit card limit or not.

And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees if you have difficulty repaying the higher balances.

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Frequently Asked Questions About Business Credit Cards

Despite the popularity of this card, many entrepreneurs are still apprehensive about using them. Are you a business owner? Are you thinking about applying? Understanding the basic points about them may help you come up with a decision. Here are some of the most Frequently Asked Questions about business credit cards:

Do you need to own a large business in order to qualify?

In the past years, these cards are offered only to larger companies. These days, even small business entrepreneurs and home based business owners can apply for a this card. It doesn't matter whether you are managing a small business or a big one, as long as you meet the requirements of the card.

When applying this card, would your personal credit history count?

Yes. For new businesses who have not yet established a corporate credit, the business owner's personal credit history would be used as the basis for approval. The best cards in the market often require good to excellent credit so it's best to check the status of your account first before sending in your application. Still, there are also business credit cards for business owners with imperfect credit or with no credit at all.

What are the requirements for a secured credit?

You can get easily approved for a secured business credit card regardless of the status of your credit. However, you're expected to submit a security deposit in your account. This would be used in case you fail to keep up with your credit card payments. Thus, the amount of your security deposit would also determine the value of your credit limit.

Can a secured business credit card help rebuild bad credit?

Yes. You can apply for a this card not only to get the financing assistance you need but to have the chance to rebuild your damaged credit as well. However, it's important to choose cards that reports your payments to the credit bureaus. Take note that not all secured credit provide this service. By consistently submitting your payments on time and staying within your given credit limit, you are also improving your credit score. After a year, don't forget to request from your credit card company to upgrade your account to a non-secured account.

Are reward credit really worth it?

The answer to this question depends on how well you manage your business credit card. It is important to remember that reward credit have higher interest rates and costs than non-reward cards. If you make it a habit to carry over your balances from month to month, you may end up paying for more because of the additional interest rate charges. Thus, if you decide to get a business credit card with reward, make it a point to settle your balances in full each month. Also, reward credit cards impose expensive late penalty charges so you must make sure that you won't miss or delay with your payments.

Merchant Account Services - Credit Card Processing Solutions for Your Business

One who wants to set up one's business on the web and sells goods and services online, needs a merchant account. Setting up an online merchant account is one of the ways to expand business worldwide. Merchant account is also known as the credit card processing system. It is a special type of online bank account which enables your business to accept payments through electronic mediums like credit cards, debit cards, Visa, Mastercard, etc. In brief, you may say it a virtual bank which receives electronic money. Having a merchant account is the most cost effective way to accept payment by credit cards and other electronic mediums. Surely it is very beneficial to any online business.

If you want to be success in your online business, you must accept payments through credit cards or other electronic mediums and start credit card processing system by setting up a merchant account. There are a lot of companies and banks who provides merchant solution or credit card processing solution by establishing merchant account. While choosing a merchant account services provider choose from a full range of merchant solutions that harmonize your business model and offer your customers the choices they prefer.

To set up an online merchant account or Internet Credit Card Processing System, you will have to apply to bank or merchant solution provider. It will be an agreement between you and the service provider. After establishing online merchant account, you will be ready to use equipments (like Hypercom Terminal, Card Reader, Verifone Pin Pad, etc) or software to transfer transaction information to the credit card processor which is also known as the payment gateway or virtual terminal. Payment gateways allow you to get internet credit card processing information from your shopping cart or online retail storefront to the merchant accounts . One of the most popular payment gateways in use today is Authorize.net.

In thus way, we see that an online merchant account and a credit card processing system plays a major role for the success of any type of online business. If you too want to expand your business via internet and set up an online merchant account and be able to accept payments for your business transactions through electronic mediums like credit cards, debit cards, mastercard, visa, etc. While choosing a merchant account provider, choose it carefully and find about their quality services and reliability. We hope for to do well in your business.

Benefits Of Consumer Credit Card Debt Consolidation

There are innumerable people today who are burdened with credit card and other debts and do not know how to go about making their payments. However, there are various options available to them such as debt consolidation for card, loans etc. The program helps by letting you transfer the total liability of your credit and other cards to another card which offers you not only a lower rate of interest but also just one low monthly payment. There are a few consolidating companies that not only allow the special consolidations with low rates, they also offer such transfers at 0% interest over a specific period of time. At times the consolidating companies offer such lucrative incentives so that people simply try their card.

There are also some non-profit groups, which help you by renegotiating with the creditors, thereby lowering the interest rate considerably. Another way to consolidate your arrears is to ask your friends and family to help you out of the situation. This way you not only get the necessary funds but also don't need to pay any interest. However in this case you must ensure that all the details of your agreement are written down in black and white. This is to ensure that there are no misunderstandings at a later date.

Hassle Free Payments

One of the major reasons for you to opt for consumer debit consolidation is the hassle free payment that you need to make with it. This happens as instead of making payments to a number of different card companies you make payment to only the credit card debt consolidation company.

Various Monetary Benefits

These companies would provide you with a negotiator, who will chalk out a low monthly program with your creditors for you. This would not only address your financial problems but would also get you relief from high-interest loans. This would actually mean that you can save lots of your money on interest (by exchanging an 18% card arrears for an 8% home equity loan).

It is only through the help of companies that you can put a brake on the spiraling interest of your card debts. Pave a way for your debit free future, start now.

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People like to blame the wrong person a lot these days, they want to blame the person for getting himself into debt but no one thinks to blame the CC companies who realistically should have more knowledge on what a person's income can afford. They send out CC to people who just filed bankruptcy, people with low incomes. The Credit Card companies have the power to set your limit, set your % and deem whether or not you can pay them back, they choose not to tho..its better business to have them pay minimum payment for 30 years on the CC.. I find the comparison of a drug dealer & drug user to be pretty much spot on, people blame the drug user he's the reason there is a drug problem in the US, but no one thinks of blaming the drug dealer who pushes the drugs & makes the 1st one free. Before you think I'm talking about pot or cocaine, swap out drug dealer with drug companies.. there is a larger amount of people who abuse legal drugs then illegal...lol Check out this documentary "MAXED OUT" there website has 2 min free video via amazon, its not really the part I find interesting in the movie but it is kind of interesting they refer at the end the financing the banks use on houses is the same as Enron used..lol www.maxedoutmovie.com

Credit Card Fraud Alert

You have been bombarded with them. You get them through the postal service; they arrive in envelopes from seemingly genuine banks and state that you are pre-approved for either a Master or a Visa card. Even if you have bad credit, haven't paid all your bills on time, or have declared bankruptcy, you may be able to get a credit card.

The companies are scams therefore these do not matter. Do you really think these firms just want to help you out? Do these companies really have your best interests at heart, and want to help you through your tough times? Not a chance! These people are after your money. They don't care about you.

This is how it works. You are asked to send some money to receive an application that will provide you with names and addresses of financial institutions willing to issue you VISA or Master card without any credit approval. Why pay for something as worthless as a piece of paper? You get an application containing information about what to do next.

Once you have been approved for a credit card by the issuing bank, you will be told to open an account there. This is when they hook you because you feel you have finally found a bank willing to give you a credit. You are offered a credit card with a line of credit equal to your deposit of $200 or more.

You need to think about it with an open mind. Would you let a person borrow $5 if they gave you $5 to begin with? Only a con artist would charge you an obscene interest rate to return your own money to you.

Then they claim they can also fix your credit report. Credit reporting agencies will be notified of timely payments. Really! Whenever you apply for a line of credit, your credit rating will be checked. Credit reporting agencies will list any outstanding debt, unpaid loans and bankruptcy. On the upside, they also view your timely payments to creditors. Big deal. The ultimate factor will be your previous bad credit history.

They make 22% interest because you use their card! No matter what, they are guaranteed the money that is owed given the fact that if one defaults on their payment to them, they will simply take the money that was deposited, as well as, any interest that was accrued. Talk about having it both ways.

Do you really want to pay $100 for a credit card that's only worth $100? Just purchase what you want with your $100. That way you own it outright without interest payments and all the hassles.

It is wonderful to have credit if you use it wisely. Credit is a must in certain circumstances to establish credit worthiness. Unless you can place the charge on your credit card you cannot place a telephone order. There are reputable financial institutions that don't charge an arm and a leg. You just have to look around for the best deal.

I hope this article informed and helped you.

Understanding Your Consumer Credit Card Statement

The credit card application is straightforward and fairly easy for most people to complete. Using the card is easy too - just swipe and sign. Next comes the consumer credit card statement and that stops some people in their tracks.

At first glance, it may be confusing - but not if you understand the terms used on that statement. None of this is a surprise. All of the terms and conditions - as well as the annual percentage rate (APR) - were disclosed to you in the application. Did you read it?

If not, now you know why it was important. Here are the major terms you will find on your credit card statement, so that you can quickly decipher your monthly bill:

APR - the Annual Percentage Rate is what you pay on the balance you owe to the credit card company. Some cards have a fixed APR and others have a variable APR. The variable APR means that the bank or financial institution can change the rate at any time without warning.

This is a way to penalize deadbeats. Fail to make a payment or not make the minimum payment and your APR can go from 12 percent to upwards of 22 percent without warning - and there's nothing you can do about it, since you signed on the dotted line agreeing to this term.

Due date - This is the date that the payment must be received. Please do not even bother to blame the post office: if your payment arrives even one day late, there is no grace period. Late is late, and late is costly.

Find out the date of the credit card billing cycle. Choose a cycle that coincides with your paycheck, so you know you will have money for the payment. You can find a credit card company that lets you choose the billing cycle date when you fill out the initial application. Most companies let you change the billing date, while others do not.

Minimum Payment - This is the least you can pay to stay current with your credit card debt. If the amount is $21, then send exactly that amount or round up to $25. Do not send $20, or you will not get credited with making the minimum payment. Even a minor dollar difference counts here.

Credit limit - Printed on each monthly statement, the credit limit is the maximum amount that you are approved to charge. This amount is based on your credit history and may be increased periodically if you pay promptly.

Spending over your credit limit may result in your charge being denied or you can be penalized a large fee for the overcharge amount. Either way, its going to cost you too much for that mistake.

Reward or Bonus Points - These points accrue based on a formula that is related to your spending. For example, you might get one reward point for every ten dollars you spend. The points will be tracked on your monthly statement as a running total. Any points used will be subtracted from the total.

If there are any other terms that you do not understand, call your credit card company or refer to the initial agreement you signed to see if you can find out what it means. who wants to pay unnecessary charges?

Improve Credit Rating - Dispelling 5 Myths

There are a lot of myths floating around about how to improve your credit rating. Truth is, a better credit rating can save you $1,000s in annual debt payments.

Here I dispel 5 myths about improving your credit rating:

Myth #1: I do not stand to gain much financially by improving my credit score

The Truth: Even a 50-point improvement in your credit score can save you $1,000s in annual debt payments. Reason: a better credit score means you are eligible for lower interest rates on your loans and credit card debt, and lower rates can literally save you hundreds of dollars each month.

Myth #2: I should close as many credit cards as possible

The Truth: Actually, closing out your credit cards can actually backfire and worsen your credit score. This is because 30% of your FICO score factors in the amount you owe versus the total amount of credit extended to you. By closing cards, you hurt this part of your score. Pay down cards: yes, but close them: no.

Myth #3: I should reduce the types of debt I have to as few as possible

The Truth: About 10% of your credit score is based upon the diversity of debt instruments you have. Translation: it is better to have a few bank cards, a few credit cards, a few department store cars, and maybe an auto loan or a mortgage. Do not run out and close your department store credit cards, for example. Just pay down the high-interest cards and then put them away in a shoebox in your closet but leave the accounts open.

Myth #4: It is too late to fix errors and late payment issues from the past

The Truth: In reality, you can and should try to fix errors on your report and to reconcile late payments, even if those items occurred months or years ago. If you can prove that the errors you found are indeed errors, the Big Three agencies will remove them from your report immediately. Regarding late payments from the past, you can usually offer to make those payments even if it is now months or years since they were due. In exchange, ask the institution in question to remove the corresponding glitch from your report. Since 35% of your score is based upon your payment history, this can really boost your score.

Myth #5: I should not apply for more credit cards

The Truth: Actually, increasing the total credit amount extended to you can actually improve your score. This is even true for high-interest cards; just be sure not to actually use them after you receive them! And, watch out for cards with annual fees before you apply.

There are many myths floating around about how to improve your credit score. By educating yourself, you stand to significantly improve your credit rating.

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Credit Card Debt Relief

When faced with unexpected expenses many credit card holders use the cards as a crutch to get through hard times. Many consumers have credit card debts in excess of $20,000 costing them over $650 dollars a month. These payments are then topped off with the interest built in so that they can take up to 30 years to pay off. Most often the money was borrowed to be paid back within a few months.

The banks use a variety of tactics to lure in consumers that are at wits end. The loss of an income and the overwhelming barrage of credit card offers can lead to certain instability. Then comes the search for debt relief. Debt consolidation is one of the most sought after service searched by internet goers. When most research this topic they find that there are only a few options.

Credit counseling is one of those options. In a credit counseling program you are represented by a non-profit organization to reduce the interest rates on your credit card accounts. The debtor will pay the minimum payments to the non-profit and they in turn will send the payments to the credit card companies. Along with the payment will be a request for a lower interest rate that the creditor may or may not approve. Many times it will take 4-6 years to pay off your debts this way and it can cost the same amount in the long run.

But wait it gets better. There are fees associated with the non-profit service and they report directly to the credit bureau's. Mortgage companies look at CCCS (consumer credit counseling service) almost as bad as a bankruptcy because you still have the outstanding debt and you are using a third party to pay your bills.

The other option out there is know as debt settlement or mediation. The process consists of working with the creditors through existing relationships in order to reduce the balances owed on existing credit card debt. The programs can give consumers immediate relief with the reduction in monthly payments in the program. Debt settlement can also carry some risks such as lawsuits, judgments and wage garnishments and should be used by consumers in a hardship.

The BBB and other online resources can help consumers combat overwhelming credit card debt. Most should seek the advice of an attorney or other financial adviser in order to make the right debt relief decision.

5 Reasons to Pay More Than the Minimum on Your Credit Card Bill

One of the things that many people love about paying with credit cards is the minimum payment. Instead of being required to pay off your balance each month, you can carry a balance and pay only a minimum amount listed on your bill. Typically the minimum payment for a credit card is about 4 percent of your total balance. While this may seem like a huge advantage, there are many reasons why paying only the minimum is one of the biggest financial mistakes you can make.

#1: You Pay Much More Than You Intended

For each month that you do not pay off your balance, your credit account accrues interest. This is money that you owe to your creditor on top of the money that you spent on your original purchases. Credit cards typically have an interest rate between 7% and 36%, with an interest rate in the teens being most common. If you make only the 4% minimum payment on a $2000 balance for a card with a 14% interest rate, you will end up paying $740 extra in interest. That is hundreds of dollars that could easily be saved by paying off your credit card quickly.

#2: It Will Take You Much Longer to Pay Off

A minimum payment drags out your balance for years. Using the example above, even if you pay the 4% minimum payment on time every month without making any other purchases, it would take you over 7 years to pay off your $2000 balance at 14% interest. If instead you pay just 10% of your bill a month, you can cut this time in half to 3 1/2 years. Paying 25% of your total balance each month would allow you to pay off your card in just 1 1/2 years. The more you can pay each month, the more time and money you can save.

#3: You Are Vulnerable to Hidden or New Fees

Banks and other creditors change their rules frequently, seemingly to try to trap their customers into paying more money. They may suddenly increase their charges for a balance transfer or a late payment, or may begin to charge you an annual fee. For just one late payment, most creditors will slap you with a hefty fine and increase your interest rate to 25-35%, sometimes for months! The longer it takes you to pay off your card, the more vulnerable you are to being hit with new fines that make it more difficult to become debt free.

#4: You Risk Maxing Out Your Card

By paying only the minimum, you will continue to have a high balance for many months or years. If you continue to use your card and do not realize how close you are to your limit you could accidentally max it out. You may think that you are paying off your card quickly when in reality your interest rate is adding on new money to owe each month. Maxing out a card damages your credit rating and can hurt your reputation with other lenders that you may seek out in the future.

#5: You Are at Risk if There is a Financial Crisis

Keeping a balance on your credit card for the long-term puts you at risk in case some kind of financial crisis occurs. Perhaps someone in the family gets sick or has an accident and you are hit with outrageous medical bills. Maybe you or your spouse becomes unemployed. By paying only the minimum, you are drawing out a credit card balance that you may not be able to afford if a future financial problem hits. Paying off your cards quickly now can help to ensure that you have more money in the future when you may need it most.

For More Information

Credit cards can be a useful spending tool when they are paid off over a short period. If you find that you can only make the minimum payment on a card, you have spent beyond your means. Don't let your credit card control your life. Take charge today and learn more by visiting the website of the experienced New Orleans debt negotiation lawyers of Kervin & Young, LLC today.

David Bach Shows You How to Start Over and Finish Rich

If you're like millions of other Americans, the past year may have pushed your debt situation from not-great to red alert. As the economy got tight, the credit card companies have increased interest rates, lowered credit ceilings, and cancelled accounts in an attempt to shore up their bottom line. In David Bach's brand new book, Start Over, Finish Rich he shares that there are two things anyone with credit card debt should know: 1. You are not alone and 2. You can truly fix this problem. Tune in to find out about David Bach's DOLP system for paying down credit card debt. DOLP stands for Dead on Last Payment and is a simple, proven way to prioritize your debt. Visit www.startoverfinishrich.com to learn more about Start Over, Finish Rich 10 Steps to Get You Back on Track in 2010. tinyurl.com David Bach Start Over, Finish Rich

Credit Card Debt Can Lead to Bankruptcy

With inflation reaching double figure everything has become so costly, most of the income is going in buying things for daily needs. Most of the banks have already hiked lending rates and others will be following soon. Hence most of us especially owning credit cards must be thinking of putting aside the payments for later without realizing that we are getting into credit card debt. Due to this most of us will end up paying a tremendous amount in interest just to obtain the item or service now.

In India banks charge 3.15% interest rate on credit cards. On some cards bank offer low interest rate as introductory offer but one thing we should know that this interest rate is coupled with the fact that default or late fee will shoot up the interest rate. Then it would become difficult to repay debt. Even the minimum payments will be more than that one can afford to pay.

Therefore some smart people try bankruptcy to escape from credit card debt. In fact bankruptcy is an option that has to be considered when an individual cannot pay their debts as they fall due. Bankruptcy proceedings can free you from overwhelming debts so you can make a fresh start, subject to some restrictions. Yes there are some debts that cannot be eliminated through bankruptcy. Those debts include student loans, recent taxes, etc.

Though bankruptcy idea is useful but you can avoid this by keeping all your payments up to mark. Always pay more than the minimum in your credit card balances. You should always pay as much as possible since credit cards carry the highest interest rates. Though you should also keep check on the interest rates charged along with any other costs and fees. First of all pay for essential services and expenses. Then immediately try to cancel the highest interest debt. If you have more than one card then first do away with the payments of the card with high interest rate and surrender that card as it is more advisable to keep one card with low interest rate.

Nobody know what is going to happen in future, therefore one should start preparing for the unexpected. To avoid getting in debt always make a budget and stick to it as tight as possible. Include all your income and expenses, including your debt installments and an average of credit card payments while making budget.

Make a plan to reduce your debt progressively. If possible take a low interest loan to pay off your credit card debt, and then you should make payments above the minimum in order to keep reducing your debt. After getting out of debt you should avoid incurring into more debt and you should always keep your budget balanced.

Making Balance Transfer Credit Cards Work For You

A balance transfer can work to your advantage when you have an unpaid balance on your existing credit card. You may ask what reason is there to transfer my outstanding balance from one card to another. For starters most of the cards that offer balance transfers have lower interest rates than your existing credit card. This makes you save lots of money when making payments not to mention the convenience of only having to deal with one card to make your payments.

The primary reason for this option is to save money. If your current credit card has high interest rates on payments then you can lower this by simply applying for another card that has a lower interest rate then it is best to use this option. This is a great way to effectively manage your debts.

When looking for good balance transfer credit cards always take note of the rate on the card, how long the interest rate applies and lastly the ongoing purchase rate.

Balance Transfer Interest Rate: This is the interest you will have to pay on your outstanding balance from your existing credit card. Make sure to choose the lowest possible interest rate. Most cards even offer a 0% interest rate just to bring in new customers and boost their business.

Length of Interest Rate: You might have chosen a 0% balance transfer interest rate which is very good but do you know how long it is going to last? Make sure to get one that extends for the longest possible period of time. Usually, a 6 month to 1 year period is being offered for the 0% balance transfer interest rate.

Ongoing Purchase Rate: You would want to make purchases with your new credit card as well right? Some cards may have a 0% balance transfer rate but then have a high ongoing purchase rate. Be sure to choose a card with a low ongoing purchase rate as well.

The best possible scenario for you to get a balance transfer card is if you are just making the minimum payment on your existing card bill. By just making a minimum payment you will be getting a higher interest rate on your outstanding balance. The objective is to reduce the time it would take to eliminate your debt. By getting a 0% interest balance transfer card, you can then make a larger payment on the debt itself than on the interest.

There are lots of banks now offering cards that have great deals on balance transfer. Before applying for one it is always good to research on what they have to offer. These days, just browsing their websites on the Internet would give us all the information we need to decide on which card to use.

Once you have a card taking care of the outstanding balances of your previous cards make sure to pay the bill on time. The conditions set on your balance transfer card usually applies if you make payments on time, if you make a late payment then it might revert back to your previous interest rate.

Merchant Bill of Rights

Learn how credit card processing fees unfairly impact small and midsized business owners!

How To Pay Credit Card Debt Off

If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate.

The quickest way to take back control of your finances is to pay credit card debt down or get rid of it completely. Here are the best and quickest ways for total credit card debt elimination.

Eliminate Credit Card Spending

You must immediately eliminate credit card spending because you will never pay credit card debt off if you continue to add to the outstanding balance. The interest on that debt added with a climbing balance will make it impossible to ever pay off.

Pay More Than The Minimum Payment

Always pay more than the minimum payment on the credit card you want to eliminate first. Paying the minimum payment makes you keep paying that high credit card interest rate. That's exactly what the credit card companies want because they are making a fortune off of that interest.

The best way to pay credit card debt off is start paying off the credit card with the highest interest rate first. Pay the minimum monthly payment on the others. Once each card is paid redirect your funds to the next highest interest rate card so you can eventually get rid of credit card debt.

Snowball Debt Payments

Snowballing debt payments means to transfer credit card debt from a high interest rate card to a low interest rate card. By doing this you pay a greater amount of money towards the balance and less interest on debt.

This increase in the amount of money you pay toward your outstanding balance allows you to snowball your efforts and pay credit card debt off quicker. It's worth looking at each individual card and determine how much interest you are paying with each of them.

Renegotiate With Creditors

Contact your credit card company and ask for a lower interest rate. They may want your business enough to lower it. The interest savings to you will multiply your efforts to pay credit card debt off quicker.

One last tip is, if you choose to close your credit card accounts, do not close them until after the final bill has been paid. Some credit card companies will penalize you by raising your interest rate if you close an account that carries an outstanding balance.

If you are ever going to get rid of credit card debt it's important to set a realistic budget for yourself. Lower your spending in all areas so you can
pool your available cash to pay off your balances quicker. Think of how you will feel when you pay credit card debt off and you are finally free of high credit card interest.

Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

PayPal Creating a Single Item Button

How to create a simple Add to Cart button in paypal so you can accept credit card payments on your website Immediately!

We do not accept payment by credit card for your site

If you remember your own, setting up your website for products or services online, you're probably also accept credit cards on your website. That accept credit cards is one of the best ways to attract the impulse buyer and to international customers.

There are two ways that you can accept credit cards on your website. They are: Use your merchant account personal note: In order to accept credit card payments on your website, firstA bank that allow you to open a merchant account. Check with local banks for more information about this topic.

From a third structure: There are many companies around who are willing to accept payment by credit card on your behalf in exchange for various fees and percentages.

The cost of opening its merchant account is usually higher if you use one of third party distributors. In fact, some third-party merchants have no setup fee ofall.

However, transaction costs that you pay the bank or third-party distributors for each sale, much higher than third, if your own merchant account.

A third party merchant is usually convenient to work, if you do not know if you can actually do a lot of your products or services. If you only have to test the waters to see how things are usually a good way to start. It's also nice that the dealer takes care of everythingfor you. You only get a check at the end of each pay period and to focus on products, services and customers.

Accept credit card payments on your website represents your business with a certain degree of professionalism. And as mentioned earlier, transaction costs are significantly lower in the rule.