http___www.interestcreditcard.com_hr_2015_04__1.xml
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Tips for Applying for 0% and Low APR Credit Cards April 30, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Info Imagine the happiness you feel when someone says to you, “here is $5,000 – you can take this loan money, interest-free, for an entire year.” This is actually possible; individuals can apply for credit cards which have a low APR or 0% interest. Keep in mind that the no or low ARP rate is only valid for a limited time; after that time is up, you will have to pay interest on the rate which was given to you by the bank or credit card issuer. Before you bring your new zero percent credit card home, you should know a few things first. Not everyone is Eligible Just because your neighbor’s best friends’ cousin’s niece got her card, it does not mean that you’d be eligible for this card as well. When an individual applies for a low APR credit card, make sure that your credit score is good enough to impress the issuers as they have their eyes strictly upon your entire financial background and on your current finances as well. Even if you do qualify for the credit card, you will need to be on guard as a slight fall or change in your credit score can be risky, and can be the reason behind your zero-interest card to be taken away from you. Keep Ears and Eyes Open when you sign-up, it can be a Trap Credit card sign-ups are not a piece of pie; there are a number of things you need to take under consideration first, such as being able to meet a specific point count within a limited time-frame, like 5,000 points in 2 weeks or you lose 500 points automatically. Sign-up bonuses are very tempting – they are like the eye candy of the entire deal. Just keep in mind that eventually, once your card starts to get more active, the goodies will lose their value, as you try and get more incentives so that you may benefit. Low APR Annual Fees & Information Make sure you learn everything you need before you apply for a zero percent interest credit card, or a low APR credit card. At first, the card will feel like bliss. As time goes on though, sudden interest charges and annual charges may spook you out a bit, especially if they are more than you had expected them to be. Make sure you get all other information regarding this as well, including what will happen to your points, bonus points, and your rewards as well. The Different Types of Common Credit Cards April 24, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Advice There are 4 different types of common credit cards for which individuals can apply, depending on their needs. Each type of card has different programs associated with it, benefiting the individual who best fits the profile. In the same manner, the eligibility for each card also differs, person to person, as each card has different terms and conditions associated with it. In order to be issued one of the following cards, an individual must have a good credit score and a positive history of being able to pay debts and bills on time. Common types of cards include; - Standard Credit Cards - Reward Cards - Secured Credit Cards - Specialty Credit Cards Standard Cards The standard card is usually applied for by individuals for general purposes. The individuals must be aged above 18 and qualify to receive a standard credit card. There is no need for deposits. With a standard card, there is a set limit on the amount of spending, established by the issuer of the card, that is, the bank. Reward Cards Rewards are often a major factor influencing your purchases and how you decide to spend your money. Reward cards come with different programs which allow individuals to avail free items or discounts, even travel miles, after being able to gather a certain amount of points. These points can be collected by purchasing items at a certain store, or by filling up gas, depending on the program which the individual has signed up for. The individual can then accumulate points over time. Bear in mind though; certain rules and regulations apply and need to be complied with. The rewards usually include cash back (usually 1-5%), , car rentals, hotel services, etc. Secured Credit Cards These cards are also referred to as the pay-as-you-go cards. They allow you to deposit a certain amount on the opening of the account, and that amount will be the credit card holder’s credit line. These cards are preferred by individuals who want to better their credit score, switching to standard cards down the road. These cards are good for small purchases. Specialty Credit Cards These cards are generally offered through partnerships or brand retailing and through service providers and affiliations as well. These cards allow a small portion of the amount which organizations use to go towards a special cause they may support. For instance, let’s say you purchased goods worth $5,000; out of this amount, $150-300 went as a contribution towards the cause your company supports through partnership. What Are Prepaid Credit Cards and What Are They Used For? April 21, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Info The difference between a credit card, a debit card, and a prepaid card has many confused. And that’s precisely what we’re here to address today. Simply put, a debit card allows an individual to transfer money directly from their bank accounts while they make purchases at a store, getting the gas tank filled up, etc. Whereas a credit card is issued by the bank and allows one to purchase good or avail services on credit; the amount will have to be re-paid to the creditor, normally the bank, usually with interest. Lastly, prepaid credit cards work like gift cards – they are pre-loaded with a certain amount of money, and you can only use up that amount, which has already been paid for. Let’s dig in a bit deeper. Prepaid credit cards are issued by a certain financial institution which allows you to use the card like a normal credit card; however, instead of borrowing the credit amount from the bank, or from someone else, they money which the card contains is yours, and has been paid for, like gift cards. Most of the prepaid cards can be used like normal cards to make purchases online, in stores, or to buy gas as well. Once the amount is ‘exhausted’, the card needs to be recharged again. Prepaid credit cards are essential for teenagers and adults who have had a problem with maintaining a good credit score. Since the card contains a certain amount, and since you cannot spend more than the amount the card contains, it is a very good way of learning how to manage funds without increasing your debt. Prepaid credit cards some with an activation fee and some even have monthly charges, whereas other may have annual charges. There are some cards which charge a small fee per transaction as well, though these factors depend on which prepaid card you wish to use. Let’s say you activate your prepaid credit card for $10 and the monthly charges are also $10; other than that, there may be a fee of $5 when you reload money in your account; if you access an ATM for withdrawal, a fee of $3 can be charged, etc. How to Obtain Your Very Own Business Credit Card April 16, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Advice Business credit cards might be required for many different reasons – this can be to purchase items for your company, or to withdraw money for other purposes through your own personal credit card for business related activities. Business credit cards allow business owners to avail privileges which come along with the cards, offering different benefits specific to businesses, usually not offered by regular credit cards. Personal Credit Rating You are looking forward to obtain a credit card for your business; the first step in order to get that done is to know where you stand in terms of credit rating. This is very important as the creditor whom you will be approaching in order to get the card issued will definitely factor in your credit standing, and they will then evaluate the remainder of your application taking your credit standing in consideration. Although business accounts need the employer identification number, they also require a human to be behind the account, being in charge of it. The interest rates which are then offered on the card are also based upon the individual’s credit rating, so the better the rating, the more beneficial it is for the business owner. State Registration Once your application is approved, you need to make sure that the business has been registered within the state as you will need to provide the registration proof along with the application to obtain business credit cards. When you have all documents along with the application submitted, you will receive an official mail. You can also apply for these business cards online as well. Fill up the application and make sure all information is authentic. You may need to give your SSN number as well for proof, and since you are the owner, they will require your SSN only. Select the option which best describes the nature of your business- partnership deal, sole proprietorship, etc. Add Personal Information You will be needed to add your personal details as well to obtain the business credit cards; this includes your household information, like income. Usually, businesses which have been in operation for a number of years are preferred more for such credit cards, as new businesses have an income of 0; if so, your income tax will be taken into consideration before the card is issued. Last but not the least, after all the information has been filled correctly, sign the document, file it for approval, and wait. Requesting Additional Cards Once your approval has arrived and you require additional business credit cards for your employees, send the issuer a request and wait for the cards to arrive at your premises via mail. How to Choose the Right Travel Credit Card April 13, 2015 by Anne Filed under Interest Credit Card, Interest Credit Card Info There are many tempting offers which you will come across; however, the alluring temptation of a free trip to exotic destinations, and that too with all expenses paid, is like a dream come true for everyone. Before that dream becomes a reality, you need to get your hands on a credit card which allows you to accumulate travel credit. Travel credit cards offer you the opportunity to earn points on many different activities, and then use those points for an all but free travel experience. Due to the increase in competition to gain customers, many of the card issuing companies get into an alliance with many partners to offer special bonus offers and offer their customers schemes; for instance, signing up for a travel credit card might get them a bonus of 10,000 points. They might also receive special discounts at a particular store, or gas station, and then when the individual reaches a certain number of points, let’s say 350,000, you get a travel opportunity courtesy of the airline which is allied with the credit card company. Many individuals wait till they have saved more points, like 500,000, thus allowing them to avail more benefits, such as 3-4 free nights at a 4-star hotel plus free dinner. Simply put, the more points you earn in travel credit cards, the more perks you get to avail. Now, the main question which arises here is which travel card should you go for? There are a couple of things which you need to keep in mind before you select the card you want. The first is the issuing company; do your research well before deciding on one. Make sure that there are positive reviews about the company and that there have been people who have availed travel through points, and learn about their experience as well, if they are happy about it, then it means that this company is no fraud or scam and you can trust them. After you know which credit card companies you can trust, do a bit more research and see which card is offering you more points upon sign-up; do not forget to compare the number of points per dollar as well. Some offer great signup points, but do not offer good points per dollar, whereas others offer a small sign up bonus, and allow you to avail good points per dollar. Check for annual fees as well, you do not want to be paying $100 on a card while your friend only pays $35 for theirs and gets more benefits than you do. The best way to go on about choosing the right travel credit card is to conduct extensive research about the programs and offers, compare them to each other, and opt for the one which is more beneficial, in short, gives you more for less.
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Savjeti za Podnošenje zahtjeva za 0% i low Travanj kreditne kartice April 30, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice info Zamislite sreću koju osjećate kada netko kaže da vas, “ovdje je $5,000 – možete iskoristiti ovu pozajmicu, bez interesa, za cijelu godinu.” To je zapravo moguće; pojedinci mogu prijaviti za kreditne kartice koje imaju nisku travanj ili 0% interes. Imajte na umu da nema ili niska stopa ARP vrijedi samo za ograničeno vrijeme; nakon toga vrijeme je isteklo, ćete morati platiti kamate na stopu koja je dana za vas od strane izdavatelja banke ili kreditne kartice. Prije nego što donese svoju novu nula posto kreditne kartice dom, trebali biste znati neke stvari prvo. Nije svatko ima pravo Samo zato Najbolji prijatelji susjedovu’ bratića nećakinja dobila karticu, to ne znači da bi se uključili u ovu karticu i. Kada pojedinac vrijedi za niske Travanj kreditne kartice, pobrinite se da je vaša kreditna rezultat je dovoljno dobar da impresionirati izdavateljima jer oni imaju svoje oči strogo na svoju cijelu financijsku pozadinu, a na vašim trenutnim financijama, kao i. Čak i ako ne ispunjavaju uvjete za kreditne kartice, morat ćete biti na oprezu kao blagi pad ili promjene vaše kreditne rezultat može biti rizično, i može biti razlog iza nulte kamatne kartice treba oduzeti od vas. Držite uši i oči otvorene kada prijave, to može biti zamka Kreditne kartice Prijave nisu komad kolača; Postoji nekoliko stvari koje trebate uzeti u obzir prvi, kao što su se mogli ispuniti određeni broj bodova u ograničenom vremenskom okviru, kao 5,000 točke u 2 tjedana ili gubite 500 ističe se automatski. Sign-up bonuse su vrlo primamljivo – oni su poput oku bombon od cijelog posla. Samo imajte na umu da na kraju, Jednom Vaša kartica počinje da se aktivnije, Goodies će izgubiti vrijednost, kao što ste probati i dobiti više poticaja, tako da možete imati koristi. Niska travnja Godišnja naknada & Informacije Provjerite jeste li naučiti sve što je potrebno prije nego što vrijede za nula posto kamata kreditnim karticama, ili niske Travanj kreditne kartice. Isprva, Kartica će se osjećati kao blaženstvo. Kako vrijeme prolazi, iako, nagle kamatne naknade i godišnje naknade mogu vas uplašiti se malo, pogotovo ako su više nego što su ih očekuje da će biti. Provjerite jeste li dobili sve ostale informacije vezane uz to, kao i, uključujući i ono što će se dogoditi s vašim bodova, bonus bodova, i vaše nagrade, kao i. Različite vrste zajedničke kreditne kartice April 24, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice Savjeti Tamo su 4 različite vrste zajedničkih kreditne kartice za koje pojedinci mogu prijaviti, ovisno o njihovim potrebama. Svaka vrsta kartica ima različite programe povezane s njom, korist pojedinca koji najbolje odgovara profilu. Na isti način, prihvatljivosti za svaku karticu također razlikuje, Osoba do osobe, kao svaka kartica ima različite uvjete povezane s njom. Kako bi se izdati jedan od sljedećih kartica, pojedinac mora imati dobru kreditnu rezultat i pozitivan povijest bude u mogućnosti platiti dugove i račune na vrijeme. Uobičajene vrste kartica su; - Standardna kreditne kartice - Nagrada kartice - Osiguran kreditne kartice - Specijalnost kreditne kartice Standardna kartice Standardna kartica obično primjenjuje za strane pojedinaca za opće namjene. Pojedinci moraju biti u dobi iznad 18 i kvalificirati za primanje standardne kreditne kartice. Nema potrebe za depozite. Uz standardne kartice, postoji niz ograničenja na količinu potrošnje, osnovan od strane izdavatelja kartice, to je, banka. Nagrada kartice Nagrade su često glavni faktor koji utječe kupi i kako ste odlučili provesti svoj novac. Nagrada kartice dolaze s različitim programima koji omogućuju pojedincima da iskoristiti darove ili popuste, čak i putničke milje, nakon što je uspio skupiti određenu količinu bodova. Te točke mogu se prikupljati kupnjom predmeta na određenoj trgovini, ili popunjavanja plin, ovisno o programu koji pojedinac potpisao za. Pojedinac tada može nakupiti bodova tijekom vremena. Imajte na umu da; određena pravila i propisi vrijede i trebaju biti ispunjeni. Nagrade obično uključuju gotovinu natrag (obično 1-5%), , iznajmljivanje automobila, hotelske usluge, itd. Osiguran kreditne kartice Ove kartice su također nazivaju pay-as-you-go kartice. Oni omogućuju vam uplatiti određeni iznos na otvaranju računa, a taj iznos će biti nositelj kreditne kartice kreditne linije. Ove kartice su preferirani od strane pojedinaca koji žele bolje svoje kreditne rezultat, prebacivanje na standardne kartice niz cestu. Ove kartice su dobre za male kupnje. Specijalnost kreditne kartice Ove kartice su uglavnom nude kroz partnerstvo ili brand maloprodaje i kroz davatelja usluga i pripadnosti kao i. Ove kartice omogućuju mali dio iznosa koje organizacije koriste da ide prema posebnom uzrok mogu podržati. Na primjer, recimo da ste kupili robu u vrijednosti $5,000; Od tog iznosa, $150-300 otišao kao doprinos uzrok vaša tvrtka podržava kroz partnerstvo. Što su prepaid kartice i što se koriste za? April 21, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice info Razlika između kreditne kartice, debitna kartica, i prepaid kartica ima mnogo zbunjen. I to je upravo ono što smo ovdje pozabaviti danas. Jednostavno rečeno, debitna kartica omogućuje pojedincu za prijenos novca izravno iz njihovih bankovnih računa, a oni čine kupi u trgovini, uzimajući spremnika plina popunjena, itd. Dok kreditna kartica izdaje banka i omogućuje da kupnju dobro ili koristiti usluge na kredit; iznos morat će se ponovno obratiti na vjerovnika, obično banka, najčešće s kamatama. Na kraju, prepaid kreditnim karticama raditi kao poklon kartice – su pre-naprćen sa određenom količinom novca, a možete koristiti samo do tog iznosa, koji je već platio. Idemo kopati malo dublje. Prepaid kreditne kartice izdaju određene financijske institucije koja vam omogućuje da koristite karticu kao normalna kreditne kartice; međutim, umjesto da posuđivanje kreditne iznos od banke, ili iz nekog drugog, oni novac koji kartica sadrži tvoje, te je platio, kao i poklon kartice. Većina prepaid kartica se može koristiti kao normalne kartice za kupnju na mreži, u trgovinama, ili kupiti plin i. Once the amount is ‘exhausted’, kartica treba ponovno puniti. Prepaid kreditne kartice su bitni za mlade i odrasle koji su imali problema s održavanjem dobre kreditne rezultat. Budući kartica sadrži određenu količinu, a budući da ne možete potrošiti više od iznosa kartica sadrži, to je vrlo dobar način za učenje kako upravljati sredstvima bez povećanja duga. Prepaid kreditne kartice neki sa naknadu za aktivaciju, a neki čak imaju mjesečni troškovi, dok drugi mogu imati godišnje troškove. Postoje neke kartice koje naplaćuju malu naknadu po transakciji, kao i, iako ti čimbenici ovise o prepaid kartice želite koristiti. Recimo da ste aktivirali svoj prepaid kreditnu karticu za $10 a mjesečni troškovi su također $10; osim toga, postoji svibanj biti u iznosu od $5 kada ponovno učitati novac na računu; ako pristupite bankomat za povlačenje, naknada od $3 može se puniti, itd. Kako dobiti vaš osobni poslovne kreditne kartice April 16, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice Savjeti Poslovne kreditne kartice može biti potrebno mnogo različitih razloga – to može biti za kupnju stavke za svoju tvrtku, ili da se povuče novac za druge svrhe kroz svoju osobnu kreditnu karticu za poslovne aktivnosti vezane uz. Poslovne kreditne kartice omogućuju vlasnicima tvrtki da koristi povlastice koje dolaze uz karticama, nude različite pogodnosti specifične za poslovne subjekte, obično ne nude redovite kreditne kartice. Osobni kreditni rejting Vi ste obličje naprijed za dobivanje kreditne kartice za Vaše poslovanje; prvi korak kako bi se to učiniti je znati gdje stojite u smislu kreditnog rejtinga. To je vrlo važno jer vjerovnik kome ćete se približava kako bi dobili karticu izdanu svakako će u obzir kreditne sposobnosti, i oni će onda procijeniti ostatak vašeg zahtjeva uzimajući vaše kreditne sposobnosti u obzir. Iako poslovni računi trebaju identifikacijski broj poslodavca, oni također zahtijevaju i čovjeka se iza računa, biti zadužen za njega. Kamatne stope koje se zatim nude na karticu se također temelji na pojedinca kreditnog rejtinga, pa bolje je ocjena, više koristan je za poslovne vlasnik. Država Registracija Nakon što je Vaša prijava odobrena, trebate kako bi bili sigurni da je posao je registriran u državi jer će vam trebati osigurati registraciju dokaz uz zahtjev za dobivanje poslovne kreditne kartice. Kada ste sve dokumente uz zahtjev podnesen, ćete dobiti službeni mail. Također možete podnijeti zahtjev za ove poslovne kartice kao i online. Ispunite prijavu i provjerite sve informacije autentičan. Možda ćete morati dati svoj SSN broj, kao i za dokaz, a budući da ste vlasnik, oni će zahtijevati samo svoj SSN. Odaberite opciju koja najbolje opisuje prirodu Vašeg poslovanja- Partnerstvo posao, jednim vlasnikom, itd. Dodaj osobnih podataka Vi ćete biti potrebno dodati svoje osobne podatke, kao i za dobivanje poslovne kreditne kartice; to uključuje i podatke o kućanstvu, kao prihod. Obično, tvrtke koje su u pogonu već niz godina preferiraju se više za takve kreditne kartice, kao nove tvrtke imaju prihod od 0; ako je tako, Vaš porez na dohodak će se uzeti u obzir prije nego što je izdana kartica. Posljednje, ali ne najmanje važno, nakon što su svi podaci ispravno popunjena, potpisati dokument, podnijeti ga na odobrenje, i čekati. Zahtjev za dodatne kartice Nakon vaše odobrenje je stigao i zahtijevaju dodatne poslovne kreditne kartice za svoje zaposlenike, pošalji izdavatelj zahtjev i čekati kartice doći na svoje prostore putem maila. Kako odabrati pravu Travel kreditne kartice April 13, 2015 po Anne Varalica pod Kamate kreditne kartice, Kamate kreditne kartice info Postoji mnogo primamljivih ponuda koje ćete naići; međutim, primamljiv napast slobodnog putovanja u egzotične destinacije, i da je sve troškove plaćene, je kao san došao istiniti za svakoga. Prije toga san postaje stvarnost, morate dobiti vaše ruke na kreditnu karticu koja vam omogućuje da se akumuliraju putovanja kredit. Turističke kreditne kartice nude Vam priliku da zaradite bodove na mnogim različitim aktivnostima, a zatim koristiti te točke za sve, ali bez viza iskustva. Zbog povećanja konkurencije dobiti kupaca, mnoge kartice izdaje tvrtkama ući u savez s mnogim partnerima ponuditi posebne bonus ponude i nude svojim klijentima sheme; na primjer, prijave za putovanje kreditne kartice možda ih dobiti bonus od 10,000 bodova. Oni također mogu dobiti posebne popuste na određenoj trgovini, ili benzinska postaja, i onda kada pojedinac dostigne određeni broj bodova, recimo 350,000, dobivate putovanja priliku ljubaznošću zrakoplovne koja je povezana s kreditnom karticom tvrtke. Mnogi pojedinci čekati dok su spašeni više bodova, like 500,000, omogućujući im da se koristi više koristkao as 3-4 besplatna noćenja u hotelu s 4 zvjezdice plus besplatnu večeru. Jednostavno rečeno, više bodova ćete zaraditi na putnim kreditnim karticama, više perks ste dobili na pomoći. Sada, Glavno pitanje koje se javlja ovdje kojima putovanja kartica bi trebala ići za? Postoji nekoliko stvari koje trebate imati na umu prije nego što odaberete karticu koju želite. Prvi je izdavanje tvrtke; učiniti vaše istraživanje i prije odlučivanja o jednom. Pobrinite se da postoje pozitivne recenzije o tvrtki i da je bilo ljudi koji su availed putovanje kroz točke, i učiti o njihovim iskustvima, kao i, ako su sretni zbog toga, onda to znači da je ova tvrtka nema prijevare ili prijevara i možete ih povjerenja. Nakon znate što kreditna kartica tvrtke možete vjerovati, napraviti malo više istraživanja i vidjeti koje kartica nudi vam više bodova nakon prijave; ne zaboravite da usporedite broj bodova po dolar i. Neki nude velike registracija bodova, ali ne nude dobre bodova po dolar, dok drugi nude mali znak bonus, i omogućiti vam da iskoristiti dobre bodova po dolar. Provjerite za godišnja naknada kao i, ne želim biti plaćati $100 na karticu, a tvoj prijatelj plaća samo $35 za njih i dobiva više prednosti nego što učiniti. Najbolji način da se ići na o odabiru pravo putovanja kreditne kartice je provesti opsežna istraživanja o programima i ponudama, usporediti ih međusobno, i odlučiti se za onu koja je više koristan, Ukratko, daje vam više za manje.