The 5 Best Credit Cards for Teenagers

Having a credit card is a big responsibility. The way you manage credit can greatly influence your credit score, which impacts whether you qualify for loans. Given the level of responsibility, you may hesitate giving your teenager a credit card. Teenagers often shop frivolously and this behavior increases their risk of debt. To avoid debt problems, you might suggest a prepaid card. These cards teach budgeting and self-control, but they are not necessarily the best credit cards for teens.

A prepaid credit card is a type of debit card. These cards do not build credit because teens can only spend what they deposit on the card. An actual credit card in your teen's name can help him or her establish credit at an early age. If you are searching and comparing the best cards for teens, here are five options.

1. Citi Dividend Card for College Students

Earn bonus cash back on rotating categories each quarter, such as dining out, groceries and entertainment. Plus, 1% cash back on all other purchases. Online account management lets you monitor your spending and pay bills online. Enjoy 0% interest on purchases for the first seven months. There is no annual fee.

Visa Black Card Review

The name itself speaks of the royal treatment position the credit card offers you with facilities letting you to the top of the world. According to surveys, this Visa Black Card has gained the reputation of giving the best offer that one can fancy about. You are lucky if you have been presented with this card since the policies refers that the elite member of the society with handsome income potentials are liable for it. A lot has been spoken about this card in the media lately, but here are some real facts for your reference:

a) The entire card is made up of card that is flexible, gives sophisticated look and even lets you handle it without care. You might have faced situations where your credit card has broken into halves and the bar code getting tampered. But with Visa Black Card, there are no thoughts of these cards of breaking or getting tampered easily.

b) The cash back offers on travelling are praise worthy. You can always get 1 percent of cash back on any airline travel and at times you can get even more depending on the airline and time of travel.

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What Is TN Visa?

The TN (Trade NAFTA) is a special non - immigrant status in the United States unique to the citizens of Mexico and Canada. The TN status was recognized in the North American Free Trade Agreement (NAFTA) in the year 1994. The TN visa is a working visa issued to citizens of Canada and Mexico to legally work in the United States. The TN visa is somewhat similar to that of a H1-B visa, but has special features too. People with the TN visa may work up to 3 years, which may be renewed indefinitely in three-year increments. As a Canadian does not need to request a visa formally at a US consulate, it is called a status and not a visa.

Applying for the TN status for Mexicans is not the same as for Canadians. The Mexicans must follow the same procedure as the Canadians but the Mexicans must first obtain a US TN-2 visa at a US consulate (generally in Mexico). Once the TN visa is stamped in the passport of the Mexican he or she may enter the United States in TN status in the same way as a Canadian. The Mexicans will be admitted in the United States in TN - 2 status.

To qualify for a TN visa, there are few eligibility requirements. Applying for this status is a fairly streamlined procedure. The individual who wishes to obtain a TN visa may apply for this visa if he or she

BUY NOW

How To Attract Money Easily

By Edward Young

It is very common to here people complaining about their financial stability. They are also angry or bitter that they do no have enough to make ends meet and therefore have a very negative perspective on money. The one issue that would always bother them would be how come they do not attract money into their lives.

Now there is a certain belief that one may attain his desire for funds by using his mind. To simply put, he is affirming himself that he is a cash magnet. Although this method does not have much scientific background to support it, it is one of the techniques that even the wealthiest of tycoons would advise people.

A lot of successful people attribute their great success to their positive outlook in life. The problem with people who whine and sulk a lot is that they have a negative outlook in life which will limit their potential to grow. That is why instead of being money magnets, they become money repellents.

It is definitely not an easy task to change a negative perspective into a positive one, in fact, it may take months or even years to do so. However, if one would want to be successful, then he would have to invest some time in doing this. It is the only way for him to save his financial stability.

visa credit card for students

Student Visa Cards - The Good and Bad

One thing that many college students intuitively know is certainly that having a charge card is without a doubt one of the essentials of life. Not specifically to splurge on things they do not require, but to build a strong credit ranking so that when it comes time to make a serious buy, they'll always be in great standing. One can find student credit cards that may ease a young man or woman into the credit economy and also let him or her demonstrate just how responsible they can be with a credit card.

The majority of young people have their own personal bank account. It may well be one that their parents established for them when they were a young child, or it might be a little something they've opened up on their very own using the money they have earned at a part-time position. In either case, the bank will probably be the right spot to start when searching for student Visa cards. The bank will probably discuss the readily available possibilities with the individual and see which of the student Visa cards best suits their economic circumstances.

In quite a few scenarios a bank or credit card company may necessitate that the young person have a parent cosign their application. That is considering that student charge cards are normally the very first kind of credit a university student is going to be responsible for. Because they've got absolutely no record of either a favorable or negative credit history, the companies providing the student Visa cards will need another person to bear the debt in the event the student does not meet their obligation. In the event that the student can work out an arrangement with their father and mother, they will normally take on the position as cosigner.

Visa Card Rewards

Visa Card Rewards - What Are They?

Visa offers its clients many different Visa card rewards. Depending upon the card that you choose, the rewards tend to fluctuate. Still, in every case, these reward programs tend to be very popular. Why? While some card companies don't live up to their rewards, Visa isn't one of them.

This is why Visa is one of the most popular credit card companies out there. If you need a rewards card, you might want to consider one of the cards that Visa has to offer. Below you will find some of the major rewards that Visa offers its clients.

What kind of Visa card rewards do you want? You can select from airline rewards, hotel points, travel rewards, cash back, gift cards, and even cards that will support a charity of your choice. So, the question really is: what kind of reward do you want?

Once you figure out what kind of rewards will benefit your lifestyle, then you can decide upon the right card for you. While Visa tends to be a great company, there are some things to think about before you decide upon any one card.

As with any other credit card, it is important to figure out whether or not you can actually benefit from Visa card rewards. If you don't use credit cards very often, then these rewards programs might not be worth your time. If you happen to charge everything from the car payments to the mortgage, then try and decide what kind of reward you want the most.

Best Buy Gift Cards Review

Best Buy gift cards make wonderful gifts. If you know of someone moving into their first house or another home one of the Best Buy gift cards would be much appreciated. Think of how many items you need when you buy a house.

The Best Buy gift card you give can be used towards a new refrigerator. The gift recipient can choose the best refrigerator of his or her choice. A crisp white refrigerator to go with all of the appliances or a stainless steel refrigerator to go with all of the kitchen appliances. The card can be used for a new kitchen sink, countertops, kitchen cabinets and many other items one needs for a completed kitchen.

A freezer is a must have especially if you have a family. You can stock-up on meats when there is a sale. You can also freeze fresh garden vegetables to use throughout the winter season to liven up the taste of your meals and to add extra vitamins.

Best Buy also carries bathroom vanities, shower casings, shower tiles and more for all of a homes bathroom necessities. A Best Buy contractor can be hired to remodel your home, you can do-it-yourself or hire your own contractor to complete your bathroom.

How to Save Money

How to Save Money Buying a Space Heater

Fresh, cool air is drifting through the color of the autumn trees and some of us are turning the thermostat to "Heat." Smaller homes and vacation cabins often do not have a furnace, so we rely on the fireplace, a wood stove, or electric heat baseboards to keep the house livable in the winter time. Even in homes with central heating, a small "space heater" can be a handy addition when we only need heat in one chilly area.

Space heaters are handy and convenient, but don't count on one to heat your home exclusively, or to save much on your heating bill. Electric heaters, even those claiming "infrared technology" are expensive to operate compared to central heat systems such as heat pumps and propane furnaces. You may see mail or television ads for "discounted" space heaters that claim to save you money on your electric bill. Don't fall for these claims. Most of these ads feature items that are overpriced and then discounted. Similar performance can be found for much lower prices in models available over the internet or in local stores.

Hit the internet yourself (or ask a teenager to help you if this is not your favorite thing) and learn everything you can. Reading the reviews on Amazon.com can tell you a lot. My favorite is Consumer Reports magazine. Consumer Reports Union is a non-profit organization and they do not accept advertising in their magazine. As a result, they are professional and unbiased in their testing and ratings of products.

Use the following tips to choose the right space heater for your home.

What size should you get? The amount of heat generated is rated in "watts" which is a way to determine how much electricity the heater is using. It's easy to figure out how many watts you need:estimate 10 watts per square foot and multiply the square footage of the room by 10. For example, a room with 144 square feet will require 1,440 watts. When we say square feet, we are just saying measure your room with a tape measure - length and width - and multiply the 2 numbers.

Buy Gift Cards But Shop Smart

When consumers buy gift cards, it is often for convenience. Regardless of the occasion, purchasing cards simplifies the entire shopping process for the person buying the present while also allowing the receiver to acquire something they really want. It saves the recipient from having to return an item, a process that is time consuming and even embarrassing if the gift giver happens to ask about the item they gave.

While convenience cannot be overlooked, there are several aspects of this particular present that should be reviewed prior to purchasing.

Of key importance is any expiration date that the card might have. The best gift cards have no expiration date at all, but there are many that do. The result of an expired card is usually the recipient paying a fee to reactivate it, if they do not just throw it away, believing it is useless because the expiration date has passed. The good news is that expiration dates are now legally required to be printed on the back of all gift certificates, so at least everyone is aware of them.

Financial Planning - Getting an Expert Financial Advice

By Scott O. Hoyle

Financial planning is composed of complex concepts and a range of other personal finance management elements. That is why a majority of individuals will admit that they are endowed with comprehensive knowledge about financial planning. Besides, most of them say that they do not have enough time managing their finances. Therefore, the best possible way of effectively managing your finances is to hire an expert who can help you do the job well.

An accountant's profession covers all the stages of your investment - from establishment to completion. When you are investing, a skilled and reliable accountant can be a key member of your investment strategy team. Your accountant's main role is to keep track of the financial status of your investment, to decrease your tax burden associated with your project and to minimise your financial risk.

Your accountant can offer you services such as:

- Filing either your corporate or individual tax returns, or both

- Proving you with expert advice on tax management and financial planning

- Creating a system for cash management as well as for funds handling

- Preparing and analysing financial statements

- Evaluating the reliability of budgets, investment plans and financial forecasts

Total Card Visa Review

Are you one of the many who have no or poor credit history? Maybe you suppose that your selection of credit is limited to only secured cards? Maybe there is hope for you. Total Visa is an distinctive choice for those with "less than ideal" credit history.

A major advantage of Total Visa is that the bank gives an accounting of your payments monthly to the main credit bureaus. This can help you develop an affirmative payment history and demonstrate that you are a reliable and trustworthy customer.

An additional benefit of this card is the opportunity to raise your credit limit. It could be approved if you make payments on time for 6 months and your balance is not more than the limit. You may request the bank to evaluate your account for a limit increase every three months. Furthermore, there's no fee for the assessment or for a subsequent raise in the credit line.

4 Great Visa Rewards Cards

Reward cards are a way for credit card companies to give a little back to their customers. You can take advantage of this by selecting a rewards card that gives you rewards for doing what you do anyway, be it paying for your pet, shopping online, or going out for a night on the town. With that in mind, let’s take a look at four of the best Visa rewards cards available:

Pet Rewards Visa

This card can be personalized to display a photo of your pet, or the card holder can choose from three stock designs. It’s a good choice for pet owners with feed and veterinary bills. Card holders receive 500 bonus points after their first purchase, plus one point for every dollar spent on everyday purchases. Two points are earned for each dollar spent on purchases from participating vet clinics, feed stores, pet stores, and animal food retailers. Customers can start earning rewards with just 750 points accumulated, and those points can be put toward veterinary services, discount certificates for pet food, and donations to animal shelters.

Chase Amazon.Com Platinum Visa Card

If you do a lot of shopping online at the retail giant Amazon.Com, this is the card for you. When shopping with this card, you will earn 1,500 bonus points after your first Amazon purchase. After that, you will earn 3 points for every dollar spent on Amazon.Com, and 1 point for each dollar spent on purchases elsewhere. For every 2,500 rewards points you earn, you will get a $25 Amazon rewards gift certificate. If you add authorized users to your account, they will earn points for you with their purchases, too. Additionally, the card comes with a zero-interest introductory period of six months, and no annual fee. They even offer online management reports to help you track your spending. This sounds like a pretty sweet deal for frequent Amazon customers.

Visa Business Credit Cards

The Visa Business Credit Card is one of the most popular business credit cards serving the business market today. Recognizing that businesses appreciate the need for good cash management, Visa offers business credit cards designed to provide business people with purchasing convenience, cost savings, instant access to credit when they need it and complete, detailed reporting of all business expenses charged to their Visabusiness credit cards.

Visa business credit cards can be obtained from any one of the many issuers that are affiliated to Visa. The credit card packages are likely to vary from one issuer to the next, but there are certain features that are universally applicable to any business credit card issued under the Visa brand. These universal features, privileges and benefits, will typically include the following:

Auto Rental Collision Damage Waiver

All Visa business credit card holders are covered for damages due to collision or theft, at no added cost. This benefit reimburses you for the costs incurred to repair or replace covered losses on a hired vehicle that you paid for with your business credit card. The only condition is that the vehicle should have been exclusively used for business purposes. When you rent the vehicle on your eligible Visa business credit card, remember to decline if the rental company offers its own collision damage waiver. This will activate your Visa coverage. If the rental company is adamant and insists that you buy their policy, call your benefits administrator. In the case of theft or damage to the rented vehicle, you will first call the Visa benefits administrator before speaking to anybody else. He or she will then advise you how to proceed.

Selecting The Right Visa Credit Card

The Visa Credit Card Company

Visa credit cards are a accepted all over the world, and their card services are available to a wide range of customers as well. Visa offers a variety of cards, and it is likely you will be able to find the right card for your needs.

The Visa Credit Card Company offers an online survey that helps prospective cardholders to choose the right card for them. The survey asks a few questions about the users needs and circumstances and the ‘online advisor’ will pick out the right card and direct the user to the visa credit card application form for the card that suits them.

First Time Applicants and Rebuilding Credit

The Classic Visa credit card is a simple card with a low spending limit; the card covers complimentary rental car insurance, will secure a lodging reservation, and can be used for everyday purchases. 

The Student Visa Credit Cards will give students great money saving opportunities such as no annual fee, low annual percentage rates, reward or rebate points for purchases of school related items, and some cards will even give extra reward points for making good grades and using their credit wisely. 

Mastercard And Visa Credit Cards Should You Apply For Both

MasterCard and Visa: they’re both household names in today’s credit card world. In fact, MasterCard and Visa are so common that if you’re shopping for a new card, it may be difficult to choose one over the other. Which one is more widely accepted? Which one has better benefits? Should you apply for both? Here are some points to consider while comparing MasterCard and Visa credit cards.

How MasterCard and Visa Operate

While you see their name on many cards, MasterCard and Visa do not actually issue credit cards. Rather, they function in a behind-the-scenes way. MasterCard and Visa are payment systems. They create and maintain the computer networks that process their credit card transactions. This is no small task. Literally billions of credit card transactions occur at ATMs and merchants around the world.

Other banks, such as Chase and Bank of America, issue the actual credit cards. These banks work with MasterCard or Visa. They place the brand name on their cards. If you see the Visa name on a credit card, it means that Visa is backing up the card. The same is true for cards with the MasterCard logo on them. This is why you see cards with names such as the Chase Platinum MasterCard. Note that the name of the bank and the payment system are both mentioned. When you make a payment, it goes to the bank that issued the card.

Vacation And Credit Cards

Each and every year, many of us go on vacations. Vacations are a great way to relax, and get away from the everyday pressure of life. Over half of all American families take their vacation between April and September, meaning that they spend a lot of money on travel. Whether it’s international or domestic travel, you can spend a fortune before you actually realize it.

As we all know, traveling with cash or checks isn’t always a wise decision. Renting cars, flying in airplanes, or checking into hotels is a much easier task if you have a credit card. Even though you may decide to use your credit cards for big purchases only, you’ll find that the traveling experience will be a much smoother process. 

Unlike cash or checks, credit cards make handling your documents and receipts much easier. If you purchase something, records from that purchase will be made with your credit card manufacturer, which you can always fall back on if something happens. Things can go wrong without notice, so you’ll always want a backup plan or something to have as proof in the event of a disaster. With a credit card, all you need to do is look back at your statement and you’ll find everything that you purchased in one easy to find location.

Credit cards are also much easier to handle and keep track of than cash. If you decide to go to a theme park or a resort, you’ll find that cash can be a bit bulky to handle. Carrying a large amount of cash can be hard to keep track of, even though it isn’t recommended. Credit cards use up less space, and you can keep them in your pocket. When you need to pay for something, you don’t need to count through your cash, simply hand over your credit card and sign your receipt.

Virtual Credit Card- Know all about it!

By Ankit Sharma

With the introduction of information technology life has become easier and convenient, making everything just a click away, but the picture is not as rosy because it has also increased the susceptibility towards increasing frauds as well. In that case, Virtual Credit Cards is the best option for all the credit and debit card holders. What is a Virtual Credit Card? A virtual credit card (VCC) is a exclusive online payment solution with complete online security while shopping on internet. It is like an add-on card issued on the user's primary credit card. Virtual Credit Card is a one-time usable card which comes with a preloaded amount that is valid only for a specified time period. VCC do not have any plastic or physical existence and they are created to be used only online. Also the virtual card does not have any fee associated with it. The key details of the virtual credit cards like the card number, expiry date, CVV number etc. are used when using the card online, but the user's primary card details are never shared with the merchant online. So, while using the virtual credit card online, users need not worry about losing their card or carrying their card safely in their wallet.

How To Get The Right Financial Consulting Firms Chicago

By Kathryn Neal

Before you make any investment or financial decision, there is a need to seek the services of an expert. This is one of the main reasons why you need to look for some of the best financial consulting firms Chicago. There are so many experts in the field, so you have to make a choice depending on the information that you get.

Start by carrying out some research. The most important thing is to get as much information as you can so that you are well informed before making any decision. The internet can be very resourceful at this stage. In fact, it is quite convenient as you get the opportunity to read through reviews of people who have worked with particular service providers before.

Financial consulting is a wide area so you may have to look for a specific field of interest. This means that you may have to carry out an analysis of what you are interested in achieving both in the short as well as the long run. Depending on your goals are objectives, choose the right service provider who is best suited to help you achieve your dreams.

Be sure that the consultant you are considering to hire is well trained and highly qualified to do the job. They also have to be licensed to carry out operations not to mention regulated by a recognized institute. You do not want to end up with a firm that is not accredited to offer such services as it could land you into problems.

Pay-day Loan Lender Examination Trickling Over To Test Cashing Firms

Online pay-day loan banks are notorious for wanting a working checking account from their customers. With no creditworthiness investigation, this bank account is the only possible way a bank will know that a customer has some kind of payment and income history. Even brick and mortar pay day lenders will expect a signed check as security for a loan. Bank accounts are a very important tool employed in today's finance world.

What happens when a potential customer hasn't got a checking account? For starters, their cash options have been limited far more by taking out pay day loan lenders from the bunch. Many people who have bad credit or carry lots of debt liabilities have recently limited themselves from many money options. Losing the payday loan lender option cripples an individual further to handle money emergencies.

Check cashing stores are growing more popular for folks in claimed finance state. More and more stores are opening in poorer areas, increasing the dependency for those without accounts. The check cashing stores will cash someone's check for a fee, but there are other vital services which are being offered at a cost. These centers are becoming full monetary services by offering electronic billing payments, wire transfers, and prepaid debit cards.The inspection of the pay day loan bank is spilling over to the check cashing stores.

How to Do Monthly Budget Planners

Are you looking for the ways to manage your finances? Well, you can do it effectively by creating a monthly budget planner. By means of free monthly budget worksheets, you can manage your finances to the extent satisfying the needs of your family members and managing to invest some for your future, as well. These sheets are versatile, easy to use and printable.

Today, Internet and technological advancement has eased our life to a great extent. Various software applications allow us to accomplish an assortment of tasks in quickly and simply. If you have a laptop or PC, then you can download free management software's, which will aid you to design free printable monthly budget planner worksheets.

While designing your budget planner worksheets, you should focus on the core categories that include: 

- Total monthly gross earnings 

- Monthly debts 

- Monthly accommodation expenses 

- Monthly family expenses 

- Monthly travel and vehicle expenses 

- Miscellaneous expenses 

- Total net monthly income

Household expenses will cover mortgage or rent, casualty and property, taxes, payments, household repair and utilities. Automotive expenses comprise of gasoline or petrol expenditure, car loans, auto insurance, repair and maintenance etc.

Ways to Get Green Card Visa!

To get a green card visa in the United States is not easy for foreign investors willing to invest. There is a visa that is specially designed for such foreign nationals to invest substantial amount and create numerous jobs. The EB5 investor visa is specially designed for such foreign national. The EB5 green card can be obtained through the immigrant investor program or EB5 investor visa.

Nowadays many businesses offer the EB5 investor visa program. This program was started by the United States government to get investors from all over the world. This program is specially designed to create new jobs in the US. The best offer for the immigrants is that they can become legal residents of the country. This program is working at the moment as many investors from various countries have started new businesses in the US. The EB5 investor visa program is useful for all big and small companies. There are also immigrant investor visa opportunities.

Earlier there were less regional center in the US, but now there plenty of them operating almost everywhere in the country. Nowadays there are lots of demands for their services. This program has proved many people about the benefits of starting a business in the US. People understand the importance and advantages of these visa programs. The main duties of these regional centers that are approved by the government are to help the industries and companies that are suffering and deteriorating. The main advantage of the EB5 investor visa is that investors either start new companies offering huge number of jobs or join hands with industries that are struggling.

How to Go About Credit Restoration

Are you in need of credit repair help due to a very undesirable credit history? Are you longing for that long gone financial stability and freedom that you once had? If you want to restore your life, you must act now. Do you want to wait for eight to ten years for your bad credit history to disappear? Do you want to pay twice or three times the normal interest rate on any loan you apply for? If not, then it is time to get credit repair help.

But before you go to a firm that offers credit restoration services, you must first determine if the firm is a hundred percent legal bonded and registered as a Credit Services Organization. It also must not have any serious complaints and lawsuits. Once you have chosen the best company for credit repair help, you have to supply it with your credit reports from the credit bureaus such as TransUnion, Equifax and Experian. Doing so will result in better service and performance.

It is then up to the firm to remove the negative items permanently with the help of its innovative processes while following all the important laws, guidelines and regulations. The length of time it takes to process credit repair help is not guaranteed. However, the company can give the client an estimate average time. The usual time frame ranges from five to six months. And sometimes, just sometimes, some are completed from one to two months.

Credit is becoming more and more popular every day. Eventually, time will come that before you can get anything you need and want, you must have a good credit history. Recently, people have been losing the jobs they had for a very long time for the single reason that they have a bad credit history. This is especially true for those who are government employees. For them, having bad credit is enough reason for possible termination.

The Advantages of Having a Credit Card

Everyone knows in today's society having a credit card makes life much more convenient. The ability to purchase goods and services without having to pay for them immediately allows many Americans to be able to have a higher quality of life, or take advantage of sales without having to worry about your cash on hand. The added convenience and the ability to not have cash on your person at all times is one of the biggest reasons that cards have remained so popular.

Purchasing Items Online

It is no secret that the internet has exploded when it comes to the most popular way to purchase goods. Having a credit card or even a prepaid Visa card will allow you to take advantage of the many deals that are available online. The good news is that when you purchase items with a card or prepaid Visa the money is protected against fraud or theft. This extra level of security makes shopping online much safer giving you added peace of mind. Not only that but if you use a card you can also take advantage of the many different incentive programs that are available through your card company. If you pay your bill on time you will also be boosting your credit score so you will be able to take advantage of the deals and lower interest rates offered to those with excellent credit, including the ability to purchase a nicer home.

The Risks of using Credit Cards

The Risks of using Credit Cards 

Some of the same benefits of using credit cards can quickly turn into risks if you are not careful.

1. If you do not watch your credit you could be forced to pay higher interest rates - If you have issues with your credit you will likely have higher interest rates. If you can not control your spending and continue to run up your credit cards you could end up in deeper debt. If you do not feel able to control your spending and your credit is poor, you may be better off giving up the credit cards for cash.

2. Can tempt people into purchasing things they can not afford - Sometimes having a credit card in your wallet can tempt you to buy things that you can't afford. If you are someone who can not say no to purchases then again, credit cards may not be for you until you gain control of your spending.

3. If you build up a higher balance it can seem impossible to get out from under it. - One of the biggest danger with credit cards is getting into a situation where your minimum payments are all you can afford. In this case it will take you a long time to pay off your cards.

Benefits of Using Credit Cards

Owning and using a credit card can mean different things to different people. There are ways to use credit cards responsibly. Through the course of our lives we have been in a position to have to use credit cards and carry a balance for a period of time, but now that we are more secure financially we have found ways to make the credit cards work for us. Now instead of us paying to use the credit cards, the credit cards are paying us.

The Benefits of using Credit Cards for your purchases 

A lot of people are so afraid of credit cards that they miss out on all the good things they can bring when used responsibly. I for one use credit cards for everything that I can. We always pay them off in full at the end of the month so we pay nothing to use credit cards, in fact the credit card companies pay us to use them!

1. Reward Points that translate into Cash

 - There are a variety of different credit cards, with all different types of rewards. We have different cards that we use for different purchases. Our cards pay between 1-5% cash back on all our purchases. We run all our bills and purchases through a credit card and end up getting $100 back some months. Pay attention to what type of rewards each card offers. Some pay higher rates for gas, some for restaurants. Maximize your rewards by using the right card for the right purchase.

VISA CREDIT CARDS VS MASTERCARD – DOES IT MAKE A DIFFERENCE?

by ANISHA

If you’ve ever turned on a television or opened a magazine, you’ve probably seen advertisements for MasterCard (Priceless) and Visa (Life Takes Visa). But what do these companies actually do and what’s the difference, anyway?

MasterCard and Visa don’t issue credit cards

First, it’s important to understand that MasterCard and Visa do not issue credit cards.  Instead, they make money by processing transactions between your point of purchase and your bank. They have nothing to do with your rewards programs, interest rates, late feesor customer service issues. Simply put, they are payment networks that connect merchant payment terminals with your bank’s credit card department. Because millions of merchants accept huge amounts of credit card purchases every day, banks prefer to use one of these third party networks to process credit transactions.

How to Get Online Visa Cards

Merchants all over the world accept online visa cards for charging the customers and getting payment in lieu of any purchase made by them. The online visa cards can be used for personal as well as business purposes. Those who want to get them can easily apply online only and get the visa cards as per their requirements. One can also find about all the services too, online only. There is an official site of the visa cards through which all the people who want to get the them or any other details about the services and even how to get it, can log on to this site and get the card.

When you log on to the official site, see all the sections carefully and collect information about all the visa credit cards regarding what all would be required to get them along with the details about reward. When you have all the information about each card just click on the section "view rewards". This is to verify the various cards for which you have all the desired qualifications. Here you will get all the details about bank which would issue you the visa card that you want and annual percentage rate that you would be getting.

Ways to Repair Your Credit for Free

Having a bad credit report because of your past issues with debt can feel quite debilitating. Whether you are paying off your credit cards or believe that you are in good standing, it can be embarrassing to get rejected for a loan application because of your credit report.

There are a number of steps you can take to repair your credit for free. Repairing your past debt issues or concerns is not that difficult if you take it one step at a time. The best advice is not to panic, but instead to start evaluating your own credit and prepare to take action on getting your credit scores in order.

Take Control of Your Expenses

In essence, you need to set a budget that takes into account all of your payments. From utilities to gas to groceries and all the payments you normally make per month. In this manner, you can get the full picture of your credit situation.

This is vital because while your credit report may reflect inaccurate information, it can also reflect the actions that you unknowingly caused as well. By getting a full handle on your current situation, you can begin the process of repairing credit.

Advantages Of Prepaid Visa Cards

A prepaid visa card is as good as money. It looks just as flashy, smells just as good and never loses its grandeur! In fact it is an edge over money because of its many conveniences. Also as a leading credit card company would say "the look on somebody's face when you fetch out your own visa card... priceless!"

In the age of plastic money there is nothing as advantageous to use as a prepaid visa card. A prepaid visa gift card can be used by parents, children, and senior citizens etc. in this article we shall discuss the advantages from each person's point of view.

From the parents point of view this could be the best thing possible. Imagine a parent didn't know what to get their child for their wedding or birthday and ended up giving cash instead of a prepaid visa gift card. At such times the child would accept the money and spend it on his wants and the parent wouldn't even know where that money has gone. They could ask the child but there is no foolproof method to determine whether or not the child is telling the truth. However if the parent were to purchase a visa gift card and put in the same amount of money as the credit limit for the card, it would serve that purpose as well as the purpose of keep tabs on the child's expenses.

3 Ways to Invest Safely Today

There are books galore on investing smartly, butsafe investing today revolves around three key principles. If you follow these principles your long term investment future will also be quite profitable.

The three key principles of safe, and profitable investing are:

1. Consistency

2. Proven Analysis

3. Simplicity

These don't sound like today's stock picks, but following these three keys will tell you how to invest safely and profitably, or you could even say "how to invest smartly".

3 Profitable Investing Tools

Fear of losing your money to such an extent that you don't invest in the stock market or manage your retirement account can actually be worse than investing. Just watching or hoping your retirement account will grow is like watching the weather or predicting who is going to win the World Series in two years.

The right tools are required for safe investing. It's natural to be afraid of losing; no one wants to lose anything, much less money or even a life's savings. But money under the mattress will be worth half if that much after 20 or 40 years. The answer is to invest safely and profitably. And no this is not easier said than done, but neither is it extremely difficult.

The first key to successful, safe and profitable investing is to know that anyone can do it. Anyone. You.

The second key is getting and using the right tools. Thanksgiving dinner requires the right tools, ingredients and recipes. Remodeling a home requires tools, materials and know-how. The same is required for successful investing.

Types of Credit Cards - Pros, Cons and Comparison

Business Credit Cards Who They're For: Business Owners & Executives Interest Rates:13.24 - 22.99% Pros: Expect low introductory rates, cash back programs, airline rewards and special bonuses that may include: separate business and personal expenses, additional cards hooked to the same account for trusted employees, expense management reports and increased credit limits. It's easier to qualify for these than it is for a personal loan or line of credit from the bank. Cons: They can be an expensive way of financing purchases, thanks to late fees and interest rates. There is less purchase protection extended to business cards in the event that someone uses the card fraudulently or you need to return goods you are dissatisfied with.

Personal Credit Cards Who They're For: Responsible Borrowers Interest Rates: 9.99 - 20.99% Pros: Standard low-interest cards are good because you can begin developing a positive credit portfolio when you use your card regularly but responsibly, paying off the full balance each month. Many of these cards come with amazing rewards on retail purchases, cruises, airline tickets, gasoline and other perks. Cons: You may be offered a "low introductory APR" or "free balance transfers." Beware of this when making your decision, as that "low APR" will soon balloon to a higher rate, which will then become the standard interest you're stuck paying indefinitely. Also, it's only good to transfer a balance if you can pay it off in full before your "free transfer" is eligible to accrue interest. Read all terms, fees and conditions before signing!

American Express Gift Cards

American Express gift cards provide a simple solution for businesses and consumers. Businesses can reward their employees, or award their customers. Consumers can send a personalized gift card to their loved ones as a Christmas gift, a graduation present, or a birthday.

I see a lot of questions and popularity with the American Express Gift Card. With the holidays coming up, Christmas gift cards from American Express is a viable alternative to limiting someone to a particular store or restaurant, or risking sounding cash over the US Postal Service.

American Express Gift Card, in two formats. There is the American Express business gift card, and the American Express consumer gift card (for family and friends). Each American Express Gift Card has different features and applicable uses.

Are Visa Credit Cards Better Than Master Cards?

The point itself is not that important - are VISA cards better than MASTER credit cards for both of them are just payment gateways. That means when you pay through a VISA card, it is VISA which is paying money on your behalf and when you pay through MASTER card, it is MASTER which is paying on your behalf. And when you repay the credit amount to the bank on the end of each month, the repaid amount goes back to the subsequent debt payer.

Whether VISA is good or MASTER depends entirely upon the country where the card is being used. In a country like India, VISA is more acclaimed than the MASTER card which means it is more widely accepted than a MASTER Card. So, when Indian Credit card companies launch a credit card, they prefer to launch a VISA card for Indian Markets.

How to Dispute Your Low Credit Score

There can be a number of reasons why an individual can have a low credit score. Your low credit score may be due to your credit misbehavior and mismanagement or it may be because of errors that have been incorrectly entered into your credit report and many other reasons. Upon receiving the credit report, many people assume that it contains accurate information. If you suddenly experience a huge increase in your interest rates or you have been turned down for a loan, it is time for you to check your credit report.

When you discover that your record is flawed and you believe it is not your fault, you should properly dispute the errors. This way, your low credit score will be fixed and only correct information can be found on your report.

Credit Cards - A Good Servant But a Bad Master

Most of us use credit cards on a regular basis to manage our day to day expenses. Here are some principles to keep in mind when using the plastic.

Rule 1 - Always pay off the balance in full each month

This seems like a simple thing, but it is amazing how many people I have come across who keep an outstanding balance on their card accruing interest at an alarming rate. The best way to avoid this is to set up a direct debit from your everyday bank account which deducts the full payment on the due date. This is not a widely used facility so you may need to ask your bank for the form. Paying your credit card by direct debit will also ensure that you make the most of interest free days (see rule 3).

If you are finding it difficult to pay off your credit card - then you need to spend the time preparing a budget and monitoring your cashflow on a weekly basis.