Cynthia Stewart
Cynthia Stewart an expert author and credit card consultant, provides great American express credit card tips. Read more credit card articles at her credit card website.
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Articles by Cynthia Stewart
June 15, 2007
Credit cards allow us to pay for things the cashless way and do it by an easy credit. They bring a lot of simplicity to our lives but credit cards have their own drawbacks. Here are a few of them.High interest ratesBy far the biggest drawback of credit cards is the high cost of loan. The APR's for p...
June 14, 2007
Ever wanted a prepaid debit card which has the convenience of credit card and comes with simply excellent features? Liberty Union Debit Card is for you. Safe and great for travel expenses this debit card, works like a credit card but you can spend only the amount you load into your account. The resu...
June 14, 2007
Gone are the days with 0% APR's on balance transfers. The feature was misused so much that credit card companies thought it best to revoke these offers. The reason could be the loss of revenue to credit card companies but this habit of transferring balances frequently and avoiding the debt repayment...
June 10, 2007
The Citi Group Corporation a big player in the credit card market worldwide, has issued more than 145 million cards. The credit card business of Citi group is spread in over 40 countries all over the world. With the business being one of the most successful entities in issuing credit cards, there a...
June 08, 2007
Credit cards are an important means of establishing credit history. Using them responsibly, controlling your spending habits and not misusing them will always help the cause. Here are few things to keep in mind before you apply for a credit card.It is always better to use a credit card which is issu...
June 08, 2007
Sign all your credit cards on the signature strip immediately as you get them. The pin numbers -- they are the key to your credit card, if you can't memorize them, write them on a paper and keep them at a safe place. Don't write them in every nook and corner of your office, workplace or home. If ...
June 06, 2007
Gone are the days with 0% APR's on balance transfers. The feature was misused so much that credit card companies thought it best to revoke these offers. The reason could be the loss of revenue to credit card companies but this habit of transferring balances frequently and avoiding the debt repayment...
June 05, 2007
0 Intro APR credit cards are used by many people to avoid high interest rates on outstanding balances. As soon as the 0 Intro period expires - they find another credit card with 0 intro offer or low interest offer on balance transfer and switch balances. In the short term it might look as a good str...
June 04, 2007
The All Access® Prepaid Visa® Card gives you the simplicity and the convenience you need to manage your finances. All Access is more than just a card - it's a full service account that takes care of all of your financial needs in just one place. With all its good features there are certain fees to b...
June 01, 2007
Imagine receiving a free lottery ticket every time you spend $1.00 on your everyday purchases. Imagine no more! With the American DreamCardTM MasterCard®, you earn entries from everyday spending to win the large monthly American DreamCardTM cash jackpot! The American DreamCardTM MasterCard® offers a...
May 31, 2007
If you have many credit cards and are seriously into credit card debt, chances are good that you must be thinking of getting rid of few credit cards. The strange fact is that if you get rid of a credit card without giving thought to the points listed below, you could be shooting yourself in the foot...
May 30, 2007
Modern society in USA is fast becoming a cashless one and the Credit cards are playing a major role in it. Almost everyone today, has a credit card or is in the process of getting one. However, there are silly mistakes that many people make when they try to get a credit card. Here are few important ...
May 30, 2007
There has always been a debate about which of the two viz. the prepaid card or the credit card is better? Though each one of them has a range of benefits and a huge fan following, but here we present a case for prepaid credit cards. In this article we will look how a prepaid card scores over credit ...
May 29, 2007
It might sound strange to you, but it is true that credit cards can make money for us. A majority of the credit card owners find the plastic a nuisance and can't wait to get rid of it. If you also belong to this group, think again, credit cards have made life easier and financially more rewarding fo...
May 29, 2007
The legendary Black American credit card has an aura of mystery surrounding it. It has been talked about in high profile circles, and has been the exclusive posession of a select few. Here we take a look at some of the known facts about this credit card. The Black American credit card, is also cal...
May 28, 2007
Looking for a credit card with excellent reward program, and reasonable terms? The Chase Platinum Visa Credit Card has all the features to bowl you over. However, to get the maximum out of your Chase Platinum Visa Credit Card there are certain things to be kept in mind. Let us look at a few of them....
May 28, 2007
Prepaid cards bring a host of benefits to a card holder. The convenience, security and financial discipline they promote make them increasingly popular and cost-effective. The IMPACT Visa® Card is a very popular prepaid card . This Prepaid MasterCard® Debit Card does not extend you credit. Instead, ...
May 28, 2007
A secured credit card is a special type of credit card issued against a collateral. People with not so perfect credit history find, these type of credit card very useful. Not only such credit cards are easier to obtain but there use is also reported to major credit bureaus and hence they are a good ...
May 28, 2007
The numerous demands of kids spread over the entire year rise dramatically during festivals and their special occasions. The allowance given to the kids for these things is sufficient sometimes, and there are times when they simply blow it away on other things and stare right in your eyes asking for...
May 26, 2007
Many things warrant our attention in student life. Worrying about the credit card interest rate is the last thing on a student's agenda. 0% intro APR credit cards can help a studen avoid any such thing to bother his studies and life. A 0% intro APR credit card has a particular advantage that it does...
May 26, 2007
Credit card companies are real businesses and they are here to make profits from us. The traps and tricks they use to make profits are buried in fine prints. Thriving on a persons inability to repay his monthly balances on time, credit card companies fill up their coffers. Staying informed and using...
May 24, 2007
What happened to those wonderful balance transfer offers with no fees and why can't you find a single such offer despite scouring the database of every single online credit card website? The answer isn't difficult to find. Such offers have been exploited by people to defer their repayments and shelv...
May 24, 2007
Having a bad credit and getting good credit card offers simply doesn't happen. Credit card companies secure their interests and rip a bad credit person with quite unreasonable charges. When a person with bad credit goes out to get a credit card he finds the situation very uncomfortable. The credit c...
May 23, 2007
Credit cards come with enough safety measures, but crimes that include credit card fraud are increasing at alarming rate. A very miniscule part of these unlawful activities is due to the flaws in systems, the major reason is careless attitude and lack of proper precaution in handling of credit cards...
May 23, 2007
Getting rewarded as you spend money with your credit card makes things interesting for a credit card holder. The cashback, free gas, free air travel, free shopping, discounted merchandise and other freebies that a reward credit card brings with it, add value to credit card ownership. But, there are ...
May 22, 2007
Prepaid credit cards come as a whiff of fresh air to those suffering from huge drawbacks of credit cards, and credit card debt. The convenience, ease of availability, guaranteed approval and other features make them ideal replacement of credit cards. In this article we take a look at the most import...
May 22, 2007
People treat credit card debt like a disease. They don't care about it until things get out of hand and considerably threaten their lives. How to eliminate the credit card debt as soon as possible? If this question is bothering you, read on. In this article we present a simple 3 step proactive appro...
May 21, 2007
Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.
Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.
To obtain...
May 21, 2007
Bad credit can happen to anyone. The reasons could be different but the result is the same. Credit card companies see bad credit people as a good means to fill up their coffers. Without paying attention to how the person got into this grim situation, they enforce their credit card issuing norms in s...
May 18, 2007
Baby Phat has positioned itself in the world of fashion as a premiere brand. Now your fashion sense can be reflected in your card as well. The Baby Phat RushCard says that you are just as savvy about money as you are about clothes. It gives you all the flexibility that “plastic” offers, without ex...
May 18, 2007
Do you find most of your friends end up their college with huge credit card debts to repay? What ails them? In this article we take a look at the 3 worst mistakes students make with their student credit cards, and pay for it heavily later on in their life.
1. Sign up the first offer you receive
A ...
May 16, 2007
Simply speaking, credit cards are inevitable in today's economy. It is difficult to find a person who can survive without credit cards. The variety of financial activities has prompted banking institutions to offer wide range of credit cards. Applying for credit card becomes lot more easier if we ar...
May 15, 2007
As credit card debts pile up, constant calls from lenders start nagging you. Coercive initially, the tone changes increasingly threatening with passing time. Soon, a person with credit card debt avoids and tries to shy away from these calls. But will this solve the problem? No it will only get worse...
May 14, 2007
Credit card debt is inevitable when we cross our financial limits. Spending
more than what you can earn is sure-shot way to get into debt. Credit card helps
us in increasing our purchasing power beyond our income levels and soon becomes a good reason for credit card debt. This credit card debt h...
May 10, 2007
Debt Settlement, also called credit card debt negotiation is an arrangement between a debtor and a creditor to repay a debt generally for a for a lowered payoff amount. When a debtor is not able to pay the debt any more for any reasons, debt settlement is the only option that remains. Generally, onl...
May 09, 2007
Credit cards are an inevitable reality in modern financial world. Many factors prompt people to acquire credit cards . The five most popular reasons are listed in this article, not necessarily in that order.1. No need to carry cash. The plastic does it all. Imagine carrying a 10000 bucks in your ...
May 08, 2007
Finances are a real problem during student life. Part of it is because of day to day college expenses but the major factor is increased cost of education.
Very fact, that a lot of things demand our attention during student life, budgeting is automatically not on the priority list.Help from parents...
May 04, 2007
The credit report in United States is a document prepared by each of the three main credit reporting agencies Equifax, Experian and TransUnion. This report is absolutely essential to get any kind of loan from banks and other agencies. The credit report determines your credit score which is an indic...
November 30, 1999
When a business such as hotel 'blocks' or keeps your credit card on hold for certain amount while you avail the services of the hotel or business is termed as credit card blocking. It must be sounding rather confusing, perhaps the example below will make things more clear.When a person checks into a...