Best credit cards for holiday shopping
News from MSN Money:

This guest post comes from Odysseas Papadimitriou at Card Hub.

Anyone who’s ever shopped during the holidays knows it can be a battle. High prices, aggressive crowds and the need to do so much in so little time make things tough on both you and your wallet. But having the right credit card will help. You can save hundreds of dollars simply by using one of the best credit cards for holiday shopping.

The credit card market’s upper tier boasts unprecedented value, as issuers compete for the business of the roughly 45% of consumers who have excellent credit. They’re offering sign-up bonuses, 0% introductory interest rates and great ongoing rewards. You just have to figure out what you’re looking for in a credit card.

If you want a quick payoff

The Chase Sapphire Credit Card offers the most valuable initial bonus on the market, giving cardholders who charge at least $ 3,000 during the first three months 40,000 bonus points. They can be redeemed for a $ 400 statement credit or $ 500 in tra…………… continues on MSN Money

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Best credit cards after bankruptcy
News from MSN Money:

This post comes from Gerri Detweiler at partner site Credit.com.

It may sound like the stupidest financial move ever: getting credit cards after bankruptcy. But done right, it may be one of the smartest moves you can make for your credit.

The main purpose for getting new credit cards after bankruptcy is to help boost your credit scores, which most likely took a hit when you filed. While it’s difficult (though not impossible) to earn a super high score while the bankruptcy remains on your credit reports, it is possible to improve your scores significantly if you make an effort to add and maintain on-time payments. Current, positive information is critical if you want better credit scores.

There’s a good reason to invest time and effort into improving your credit scores now, rather than wait seven to 10 years until your bankruptcy is no longer reported: Older accounts tend to help your scores more than recently opened ones. If you get several years of payments under your belt, your credit scores will likely impr…………… continues on MSN Money

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7 things worth knowing about reward credit cards
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Luma vs Aqua: credit builder cards get better
News from Aol Money:

Credit builder cards have always been a great idea. But now they’ve become even better with new launches from Luma and Aqua.

Life can be tough if you have a poor credit score. The banks are nervous about you because you’ve either failed to pay bills in the past or you’ve never borrowed at all.

As a result, you can’t get cheap loans and any application for a market-leading credit card is doomed to failure. This can be very frustrating if you’ve never borrowed before – why should you be punished just because you’ve never taken out a loan or a credit card?

And if your problem is poor financial management in the past, the situation is even more frustrating. After all, a 0% credit card would be a fantastic tool to help you get your finances back on track.

Sadly though, feeling frustrated isn’t going to change anything. If you have a poor credit score, the best you can get is a credit builder credit card – also known as a card for bad credit.

Credit Cards

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American Express Canada Credit Cards – Which Credit Card To Get?
News from Daily Markets:

American Express Canada cards are a great choice of cards for Canadian residents who want to have a card from a well-known issuer, American Express (NYSE:AXP), as well as for those who want to earn rewards on all their spending. The thing I like most about American Express is their excellent customer service. American Express Canada encompasses both credit cards and charge cards, for individuals and businesses, all of which allow you to earn rewards on your spending. All of these cards offer a sign-up bonus when you make your first purchase or spend a certain amount on the card within the first few months and many also reward you with bonus points each year.

Here is a list I’ve compiled of the best American Express Canada cards so that you can find the card that is best for your lifestyle needs.

The New American Express AIR MILES Platinum Credit Card. The first time you use this card, you will receive 500 bonus miles. Earn 1 mile for every $ 10 you spend on eligible groceries, gas stations, AIR MILES Sponsors and drugstores, and 1 mile each time you spend $ 15 on the rest of your purchases. Enjoy a 2.99% intro…………… continues on Daily Markets

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Apply For A New Credit Card: Avoid These Cards
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Check Out The Best Gas Credit Cards On The Market Right Now
News from Business Insider:

Flickr / danmachold

As numbers on gas pumps climb higher, CardHub’s survey of the best gas credit cards on the market couldn’t come at a better time. 

The card comparison site reviewed over 1,000 credit cards to find which cards offer the most rewards for filling up at the station. 

Gas cards fall into two categories: gas-station affiliated cards and generic cards. Here, we take a look at the best of each. 

Generic gas credit cards

Pentagon Federal Credit Union Platinum Cash Rewards Credit Card—5 percent cash back on gas purchases at any station (when paying at the pump), plus 1 percent cash back on everything else make this card a standout. There’s no annual fee, but you will need to join Pen Fed, which costs $ 15.

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Bank reports live customer dead
News from Petaluma Argus Courier:

Published: Thursday, February 23, 2012 at 2:33 p.m.
Last Modified: Thursday, February 23, 2012 at 2:33 p.m.

Patricia Goddard Sirna, with her big smile, doesn’t come across as dead. But that’s how her bank apparently reported her status, and its killing her credit score.

Enlarge |

Patricia Goddard-Sirna waits for assistance on the phone.

By John O’Hara/ For the Argus-Courier

The 58-year-old retired registered nurse discovered her so-called death about two weeks ago when she tried to have thousands of dollars of solar panels installed on her home.

The solar company…………… continues on Petaluma Argus Courier

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Pay Off Your Credit Cards Now
News from Business Insider:


7bikeframesweldedtogetherviaFlickr

As you may know I have recently turned my financial life around, it is by no means perfect but it is on the right path.  I no longer take money for granted, I always pay my bills on time, and I don’t accumulate debt. I decided to keep one credit card open in order to help rebuild my credit score.  Over the past few years I had a really high income with a really low credit score. That’s because I had a lot of open credit cards that were maxed out to the credit limit.

Keeping one credit card open, using it, and paying it off every month shows financial responsibility; and it has definitely helped improve my credit score.  Closing my (several) other credit cards and making regular payments is not enough to increase our credit score.  In order to build and maintain a good credit score we have to be actively (and responsibly) managing our open credit.

I am not going to lie, calling my credit card companies and asking them to close my existing credit cards because I could no longer afford to have them was very hard and it was also a l…………… continues on Business Insider

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Be Wary of Closing Credit Cards When Applying for a Mortgage
News from Fox Business:

Dear Credit Care,

I am holding a store credit card for a store that no longer has physical stores and purchases may be made only online. I want to close that credit card. Would that affect my credit score, as I start looking for a mortgage loan? Also, I hold another store credit card and am not using it much. Will that hurt my credit score if I am going to close that one, too?

– Rajesh

Dear Rajesh,

You are wise to consider how any changes to your credit profile might affect your credit score, particularly when shopping for a mortgage loan. Without knowing the particulars of your credit profile, it is difficult to know precisely how closing the accounts would affect your credit. I can paint the broad outlines, though, and let you know that closing the accounts probably means a slight, temporary drop in your credit score.

Let’s look at the big picture first. Closing accounts could significantly lower your available credit. That would hurt your credit utilization rate — how much debt you have compared to available credit — and that’s the second-most important factor that the credit scoring firm FICO uses in calculating your score. (Your

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College Students: Should You Open an In-Store Credit Card?
News from Fox Business:

Growing up is tough enough without the worries of your financial future, so Money101  is here for you. E-mail us your questions and let us take off some of the pressure.

We’ve all been there: While checking out at your favorite retailer, the salesperson asks if you would like to sign up for their in-store credit card and save 10% to 20% on today’s purchase. As you glance down on your heaping merchandise pile, you do a rough estimate of how much you can save and the card is tempting, especially for college students and post-grads trying struggling to make ends meet.

“Oftentimes, that is a great venue for these 18 or 19 year-olds to be able to start establishing credit, but they have to be very careful about it, just like all of us do,” says Kimberly Foss, personal finance expert and founder of Empyrion Wealth Management.

Despite regulations like the CARD Act that are intended to make younger consumers more cognizant about the importance of a healthy credit history, credit card debt remains…………… continues on Fox Business

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Be wary of closing credit cards when applying for a mortgage
News from CreditCards.com:

By Tanisha Warner

Credit Care

Tanisha Warner is the communications manager for Money Management International, where she manages educational content designed to teach consumers about personal finance topics.

Ask a question

‘Credit Care’ archives

Dear Credit Care,
I am holding a store credit card for a store that no longer has physical stores and purchases may be made only online. I want to close that credit card. Would that affect my credit score, as I start looking for a mortgage loan? Also, I hold another…………… continues on CreditCards.com

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Bad Credit? Tips for Rebuilding
News from Opposing Views:

If you’re looking for a credit card but have bad credit as a result of financial problems you’ve had in the past, there are many things you should think about before seeking out new lines of credit.

There are a number of ways to boost your credit rating so that you can once again qualify for better credit card offers, one of which is to use common sense. If you’re still paying down credit card debts that you’ve had for a while, making sure to send in all your payments on time and in full will go a long way toward increasing your rating. That’s because payment history accounts for 35 percent of your total credit rating, and the only way to maintain or build your credit is meeting all your obligations every month.

Another way to improve your score is to make a more conscientious effort to cut your debt. The amount you owe versus the total of your credit limits accounts for 30 percent of your score, and as such, the less you owe, the better off you will be. There’s a commonly believed myth that lenders want you to owe something on your cards, but it’s not true. The closer your balances are to zero, the better off you’ll be. Experts generally say that you’ll maximize this aspect of your score by carrying balances equal to roughly 10 perc…………… continues on Opposing Views

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Credit Correction: Legally Correct a Bad Credit Report and Repair Your Score in 6 Weeks or Less

Complete video course on how to correct bad credit. You will learn: how to identify mistakes, tricks to increase your score quickly, how to contact the major credit agencies, what the scores mean and what is a desirable score, & how to “beat the system”. You can be on your way to a much better credit score within 4-6 weeks.

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