Good Credit Cards

For those with good credit and looking for a credit card, you will want to consider good credit credit cards. These credit cards have decent rates of interest, some great benefits, and even fabulous rewards to look into. You should be rewarded for maintaining good credit and good credit credit cards is your reward, allowing you to make the purchases you need without having to carry around the cash at all times.

Discover® More® Card - American Flag

Discover® More® Card - Sealife Collection

Slate(SM) from Chase

People Who Manage Their Credit Responsibly Get Rewarded

Good credit credit cards are designed for those who have a credit rating of 660 to 749. Good credit consists of timely payments, low income to credit ratio, and a decent amount of credit that has been assigned to the applicant. Typically, a good credit status is given to someone who has possessed some sort of credit card or bank loan of at least $5,000 or more during the last three years. Just possessing this amount of credit in any form is not enough to give you the status of good credit or make you eligible for good credit credit cards.

You have to show that you have a history of timely repayment on all instances of credit, which might include credit cards, bank loans, rental payments, utilities, and any other form of credit in which you may have applied for and received. One thing you might not be aware of is that any time you apply for credit cards and are denied this could hurt your credit score, so be sure that you are only apply for credit that you really need or have an excellent chance of receiving.

Obtaining good credit credit cards and continuing down the path of timely payments and reliability can help increase your credit rating and perhaps increase your credit status to excellent credit, which is a goal for most any person. Good to excellent credit ratings opens many doors for people and offers so much more in the way of credit than those with poor to fair credit.

With good credit, you can obtain good credit credit cards with good rates of interest and great introductory interest rates. You will also likely qualify for credit cards that have no or low annual fees and no usage charges. Your credit limit will also be higher than that of someone with poor or fair credit ratings, which offers you more in the way of buying power.

However, it is important to keep on the right track with your good credit and maintain or increase your credit status. Obtaining good credit credit cards and then travelling down the wrong path can result in a great deal of damage. If you start to find yourself late on payments, over extending your credit limit, or unable to make your payments altogether, you will find your good credit rating lowered to fair or poor. At the same time, your credit card company may lower your credit limit or even cancel your card altogether, assessing late fees or other fees that can really increase the amount you are in debt to that company.

A good credit rating is something to treasure and hold onto. Make sure that you make the right decisions and never spend more than you can afford to pay off. While you may have a low interest rate, if you tend to carry a balance on your good credit credit cards month after month, you may find that the interest rates really start to pile up and become unmanageable.

Another great thing about good credit credit cards is the rewards programs that you can take advantage of. Many credit cards now offer some sort of rewards programs that allow you to earn rewards with each purchase you make using the credit card. Some rewards that you may find on good credit credit cards might include company specific rewards. Company specific rewards give you rewards usually based on what services or products the company has to offer.

For example, with Airlines rewards, you might get points or mileage towards free airline tickets. For department stores, you might earn points good towards gift certificates or name brand merchandise. Points and mileage are earned with each purchase you make using your good credit credit cards; however, you usually earn more points or miles with specific purchases towards a specific company.

Credit One Bank Credit Cards

First National Bank of Marin began its operations in 1984 under Kjell Qvale and was later acquired by Sherman Financial Group, LLC. In February 2006, after obtaining a CEBA status, its name was subsequently changed to Credit One Bank. Today, Credit One Bank offers both Visa and MasterCard to its consumers and is also well known to provide credit limits to people with little credit histories or have had bad credit histories in the past.

Improving Credit Score with Credit One Bank Cards

Credit One Bank is a nationally chartered institution and is a subsidiary of the Sherman Financial Group LLC. Credit One Bank specializes in providing unsecured credit cards to customers who have shady credit records. The following are the credit cards offered by Credit One.

The Visa Classic Credit Card is the standard account offered by Credit One. Clients can apply for the Visa Classic card online. Its features include the ability to rebuild credit with processed on-time payments, full access to monthly online credit scores free of charge, a credit line reaching up to a thousand dollars, automatic credit line increases, dependent on credit performance reviews, monthly updates to credit bureaus, and $0 fraud liability.

The Visa Classic Credit Card? APR or annual percentage rate is 23.9% while its annual fee is $69, which is billed to the credit account at $5.75 each month. A one-time enrolment fee of $69 is required as well. A transaction fee for cash advance is charged at either $5 or 3% of the amount requested for the advance. Cardholders can also take avail of the optional feature of Credit One Bank? Credit Protection Program. Additional benefits include account-specific email notices and 24/7 access to cardholders?online accounts.

The Visa Platinum Card, on the other hand, is quite like the Visa Classic Card, in terms of features. It still offers the same features, like the ability to rebuild credit, monthly online credit scores free of charge, a thousand dollar credit line maximum, monthly updates to credit bureaus, credit performance reviews, automatic credit line increases, $0 fraud liability, the same APR, annual fee, enrolment fee, cash advance transaction fee, and the optional feature of Credit One? Credit Protection Program. The difference is in the additional benefits, where Travel Accident Insurance and Auto Rental Collision Damage Waiver are included.

The Platinum MasterCard, meanwhile, is still much alike the Visa Platinum Card. It is still in the additional benefits that the card? distinguishing feature lies. The Platinum MasterCard offers Master RoadAssist?Service to its cardholders, as well as Extended Warranty Coverage. Master RoadAssist?Service is actually a 24-hour emergency service available to MasterCard cardholders, where MasterCard and the AAA or American Automobile Association offers roadside assistance. Extended Warranty Coverage allows cardholders extended warranty periods for products purchased with the card.

Lastly, the Visa Black Card provides you the same set of features and the ability to choose your design from a set of templates. The annual fee is now $81 and is billed at $6.75 each month. Additional benefits include Travel Accident Insurance and Auto Rental Collision Damage Waiver.

Providian Credit Cards

Providian is now a part of Washington Mutual, for a very long time now Providian credit cards have been synonymous with quality and service. Creditcardflyers.com is happy to bring you the latest in Providian Credit cards. The vanguard of Providian credit cards, the Providian Visa Platinum credit card is unique, in being the first credit card to offer users access to their FICO credit scores. This is just one of the many innovations that Providian credit cards have been working on, Providian credit cards have benefited greatly from their association with Washington Mutual.

Providian Credit Card

Back in the day when Providian was still one of the leading credit card companies in America, it was able to make a lot of money from the "subpar" market segment of the industry. This segment is comprised of clients whose credit histories contain several blemishes.

Problems rose when losses began outrunning the high fees and interest rates. By October 2001, Providian lost its operations and was then acquired by Washington Mutual, the country's biggest savings and loan firm, by the middle of 2005.

After the merger, Washington Mutual proceeded to control operations from Providian's headquarters in San Francisco, California. Washington Mutual also became the main provider of Providian credit cards. Providian credit cards are known to have customized abilities to fit the needs of individual customers. Providian credit card services customize each credit card, making sure that it would suit the preferences of each customer. The following are the different types of Providian credit cards and their features.

There is the Providian Visa Platinum Card. This card caters mainly to American consumers. The credit cardholder is given full access to his or her Fico Credit scores. There are also many restaurants and retailers that offer discounts and coupons to Providian Visa Platinum credit cardholders. Credit limit is also set to correspond with the needs of the cardholder and credit lines are regularly checked so that credit limit increases can be implemented for qualifying customers.

There is also the Providian Real Rewards, which provides a lot of reward programs for customers who use their credit cards for their purchases, as well as those who may payments on time. Other benefits include the redemption of points in the form of airline travel discounts, restaurant discount cards, and more. Cardholders can also use their reward points to make their APRs lower.

Providian Cash Rewards, on the other hand, gives the cardholder rewards in the form of cash rebates. Depending on the purchases made by the cardholder, cashback rewards are given accordingly.

Lastly, there is the Premium Points credit account. This system is a reward program wherein the cardholder earns a point for each dollar spent with the credit card.

Aside from these credit accounts, Providian also offers a lot of other services in the form of money market deposit accounts, savings products, institutional investors' services, and certificates of deposit. There are also several ways for Providian customers to process their payments. Payments can be made over the internet, the phone, or regular mail.

Human Action, The Scholar's Edition

Human Action is the most important book on political economy you will ever own. It was (and remains) the most comprehensive, systematic, forthright, and powerful defense of the economics of liberty ever written. This is the Scholars Edition: accept no substitute. You will treasure this volume.

The Scholars Edition is the original, unaltered treatise (originally published in 1949) that shaped a generation of Austrians and made possible the intellectual movement that is leading the global charge for free markets.

Made available exclusively through the Ludwig von Mises Institute, this edition, Mises's original, is the one to own.

* This edition is a case-bound hardback with a beautiful cover that is also meant for extreme use and durability;
* No hardbound edition compares in price;
* The pagination of the original 1949 edition is preserved, but it also includes invaluable additions.
* Includes the 1954 index prepared under Mises's supervision, the most complete ever published, united here with the book for the first time.
* The introduction, by Hans-Hermann Hoppe, Jeffrey Herbener, and Joseph Salerno--based on newly discovered archives--tells of the tragic and glorious history of this seminal work, and of its bright future as the manifesto of liberty.
* This edition is keyed to the world's first and only Study Guide to Human Action, by Robert Murphy, which opens up this book as never before.

All told, The Scholars Edition looks exactly like the classic work it is, ready for a lifetime (or two) of use.

Mises himself wrote the following by way of explanation of why he wrote the book:

Economics does not allow any breaking up into special branches. It invariably deals with the interconnectedness of all phenomena of acting and economizing. All economic facts mutually condition one another. Each of the various economic problems must be dealt with in the frame of a comprehensive system assigning its due place and weight to every aspect of human wants and desires. All monographs remain fragmentary if not integrated into a systematic treatment of the whole body of social and economic relations.

To provide such a comprehensive analysis is the task of my book Human Action , a Treatise on Economics. It is the consummation of lifelong studies and investigations, the precipitate of half a century of experience. I saw the forces operating which could not but annihilate the high civilization and prosperity of Europe. In writing my book, I was hoping to contribute to the endeavors of our most eminent contemporaries to prevent this country from following the path which leads to the abyss.

Man, Economy, and State with Power and Market (The Scholar's Edition)

New Edition, with new introduction!

Murray N. Rothbard's great treatise Man, Economy, and State and its complementary text Power and Market, are here combined into a single edition as they were written to be. It provides a sweeping presentation of Austrian economic theory, a reconstruction of many aspects of that theory, a rigorous criticism of alternative schools, and an inspiring look at a science of liberty that concerns nearly everything and should concern everyone.

The Mises Institute's new edition of Man Economy, and State, united with its formerly sundered companion volume Power and Market, is a landmark in the history of the Institute. It takes this book out of the category of underground classic and raises it up to its proper status as one of the great economic treatises of all time, a book that is essential for anyone seeking a robust economic education.

This new edition will take your breath away with its beauty and quality. It's remarkable that a book this thick could lay so flat and be so durable with super-solid binding. It somehow turns out not to be unweildy. Get it with the Study Guide and you will have what you need.

The captivating new introduction by Professor Joseph Salerno that frames up the Rothbardian contribution in a completely new way, and reassesses the place of this book in the history of economic thought. In Salerno's view, Rothbard was not attempting to write a distinctively "Austrian" book but rather a comprehensive treatise on economics that eschewed the Keynesian and positivist corruptions. This is what accounts for its extraordinarily logical structure and depth. That it would later be called Austrian is only due to the long-lasting nature of the corruptions of economics that Rothbard tried to correct.

For years, the Mises Institute has kept it in print and sold thousands of copies in a nice paperback version. Then we decided to take a big step and put out an edition worthy of this great treatise. It is the Scholar's Edition of Man, Economy, and State—-an edition that immediately became definitive and used throughout the world. The footnotes (which are so brilliant and informative!) are at the bottom of every page. The index is huge and comprehensive. The binding is impeccable and its beauty unmatched.

Students have used this book for decades as the intellectual foil for what they have been required to learning from conventional economics classes. In many ways, it has built the Austrian school in the generation that followed Mises. It was Rothbard who polished the Austrian contribution to theory and wove it together with a full-scale philosophy of political ethics that inspired the generation of the Austrian revival, and continues to fuel its growth and development today.

From Rothbard, we learn that economics is the science that deals with the rise and fall of civilization, the advancement and retrenchment of human development, the feeding and healing of the multitudes, and the question of whether human affairs are dominated by cooperation or violence.

Economics in Rothbard's wonderful book emerges as the beautiful logic of that underlies human action in a world of scarcity, the lens on how exchange makes it possible for people to cooperate toward their mutual betterment. We see how money facilitates this, and allows for calculation over time that permits capital to expand and investment to take place. We see how entrepreneurship, based on real judgments and risk taking, is the driving force of the market.

What's striking is how this remarkable book has lived in the shadows for so long. It began as a guide to Human Action, and it swelled into a treatise in its own right. Rothbard worked many years on the book, even as he was completing his PhD at Columbia University. He realized better than anyone else that Mises's economic theories were so important that they needed restatement and interpretation. But he also knew that Misesian theory needed elaboration, expansion, and application in a variety of areas. The result was much more: a rigorous but accessible defense of the whole theory of the market economy, from its very foundations.

But the publisher decided to cut the last part of the book, a part that appeared years later as Power and Market. This is the section that applies the theory presented in the first 1,000 pages to matters of government intervention. Issue by issue, the book refutes the case for taxation, the welfare state, regulation, economic planning, and all forms of socialism, large and small. It remains an incredibly fruitful assembly of vigorous argumentation and evidence.

A major advantage of Man, Economy, and State, in addition to its systematic presentation, is that it is written in the clearest English you will find anywhere in the economics literature. The jargon is kept to a minimum. The prose is crystalline and vigorous. The examples are compelling. No one has explained the formation of prices, the damage of inflation, the process of production, the workings of interest rates, and a hundred of topics, with such energy and clarity.

Over years, students have told us that this book is what made it possible for them to get through graduate school. Why? Because Rothbard takes on the mainstream in its own terms and provides a radical, logical, comprehensive answer. If you have read the book, you know the feeling that comes with reaching the last page: one walks away with the sense that one now fully understands economic theory and all its ramifications.

It is a shame that the authentic edition of the classic that Rothbard wrote fully 40 years ago is only now coming into print. And yet the good news is that, at last, this remarkable work in the history of ideas, the book that makes such a technically competent, systematic, and sweeping case for the economics of liberty, is at last available.

REVIEWS

As the result of many years of sagacious and discerning meditation, [Rothbard] joins the ranks of the eminent economists by publishing a voluminous work, a systematic treatise on economics.... An epochal contribution to the general science of human action, praxeology, and its practically most important and up-to-now best elaborated part, economics. Henceforth all essential studies in in these branches of knowledge will have to take full account of the theories and criticisms expounded by Dr. Rothbard. --Ludwig von Mises

It is in fact the most important general treatise on economic principles since Ludwig von Mises's Human Action in 1949…. --Henry Hazlitt

Man, Economy, and State is Murray Rothbard's main work in economic theory. It appeared in 1962, when Murray was only 36 years old. In it Murray develops the entire body of economic theory, in a step by step fashion, beginning with incontestable axioms and proceeding to the most intricate problems of business cycle theory and fundamental breakthroughs in monopoly theory. And along the way he presents a blistering refutation of all variants of mathematical economics. The book has in the meantime become a modern classic and ranks with Mises's Human Action as one of the two towering achievements of the Austrian School of economics. In Power and Market, Murray analyzed the economic consequences of any conceivable form of government interference in markets. The Scholars Edition brings both books together to form a magnificent whole. --Hans-Hermann Hoppe

Austrian Perspective on the History of Economic Thought (2 volume set)

The appearance of the famous (and massive) volumes of Rothbard's History of Economic Thought in a new edition is cause for great celebration. They have been out of print for many years, and were previously only available at a price exceeding $200 for the set. They are at last accessible again, in beautiful hardcover, and at an affordable price.

In Economic Thought Before Adam Smith, Murray Rothbard traces economic ideas from ancient sources to show that laissez-faire liberalism and economic thought itself began with the scholastics and early Roman, Greek, and canon law. He celebrates Aristotle and Democritus, for example, but loathes Plato and Diogenes. He is kind toward Taoism and Stoicism. He is no fan of Tertullian but very much likes St. Jerome, who defended the merchant class. Now, that takes us only to page 33, just the beginning of a wild ride through the middle ages and renaissance and modern times through 1870.

Classical Economics offers new perspectives on both Ricardo and Say and their followers. The author suggests that Ricardianism declined after 1820 and was only revived with the work of John Stuart Mill. The book also resurrects the important Anglo-Irish school of thought at Trinity College, Dublin under Archbishop Richard Whatley. Later chapters focus on the roots of Karl Marx and the nature of his doctrines, and laissez-faire thought in France including the work of Frederic Bastiat. Also included is a comprehensive treatment of the bullionist versus the anti-bullionist and the currency versus banking school controversies in the first half of the nineteenth century, and their influence outside Great Britain.

These are indeed the books that Mises himself longed to see: "A real history of economic thought," he said in 1955, "would have to point out the development of the doctrines and not merely list every book."

When these volumes first appeared, they were celebrated in Barron's and by top scholars around the world. They succeeded in changing the way people think about economic doctrine: the beginnings (not Adam Smith, but the Spanish theologians), the dead ends (Marx), the great triumphs (Bastiat, for example), and the truly great minds (Turgot and many others he rescued from near obscurity).

Rothbard read deeply in thinkers dating back hundreds and thousands of years, and spotted every promising line of thought — and every unfortunate one. He knew when an idea would lead to prosperity, and when it would lead to calamity. He could spot a proto-Keynesian or proto-Marxist idea in the middle ages, just as he could find free-market lines of thought in ancient manuscripts.

Many scholars believe this was his most important work. The irony is that it is not the work it was supposed to be, and thank goodness. He was asked to do a short overview of the modern era. He ended up writing more than 1,000 pages of original ideas that remade the whole of intellectual history up through the late 19th century.

Once Rothbard got into the project, he found that most all historians have made the same error: they have believed that the history of thought was a long history of progress. He found that sound ideas ebb and flow in history. So he set out to rescue the great ideas from the past and compare them with the bad ideas of the "new economics."

His demolition of Karl Marx is more complete and in depth than any other ever published. His reconstruction of 19th-century banking debates has provided enough new ideas for a dozen dissertations, and contemporary real-money reform. His surprising evisceration of John Stuart Mill is cause to rethink the whole history of classical liberalism.

Most famously, Rothbard demonstrated that Adam Smith's economic theories were, in many ways, a comedown from his predecessors in France and Spain. For example, Smith puzzled over the source of value and finally tagged labor as the source (a mistake Marx built on). But for centuries prior, the earliest economists knew that value came from within the human mind. It was a human estimation, not an objective construct.

The unfinished 3rd volume in audio

Rothbard was a pioneer in incorporating the sociology of religion into the history of economic ideas. He saw that the advent of Christianity had a huge impact on the theory of the state. He observed the rise of absolutism and theory of nationalism that came with the reformation. He traced the changes in the Western view toward lending and interest payments over the course of a thousand years.

The number of insights in these volumes are countless. Every page, every paragraph, bursts with intellectual energy and the author's fiery passion to tell the reader the remarkable story of economics. Many reviewers have remarked that Rothbard's accomplishment seems super-human. He seems to have read everything. His originality is overwhelming. His passion for liberty and integrity in science is evident. His disdain toward those who sell out to the state is manifest as well.

Rothbard worked on these volumes in the ten years before his death. He also gave a series of lectures on his ongoing research. As a result, we all had very high expectations. But nothing could have prepared us for what eventually appeared.

This set is a monument to Rothbard's genius, a resource that will be valuable to intellectuals for generations, and a great read too!

Western Union Expands Prepaid Card Platform with Overnight Service

Western Union said it is expanding its prepaid card platform with an Overnight Home Delivery service pilot featuring Western Union's new MoneyWise Visa prepaid card. The service allows consumers to receive funds delivered overnight to a recipient's home or work place rather than going to a Western Union Agent location.

"Our new Overnight Home Delivery service provides consumers with an easy and convenient way to send money on a card," said Jorge Consuegra, senior vice president U.S. Product Management, Western Union.

The MoneyWise card will be sent overnight via FedEx so that it arrives at the recipient's door the next day and can be activated by the receiver with the Western Union Money Transfer Control Number. The card is protected by the Visa zero liability policy.

Fees start at $9.99 plus a one-time express delivery fee of $9.95. Senders can send more money to the same MoneyWise card without paying an additional overnight delivery fee.

http://www.Walmartmoneycard.com | Walmart Moneycard

Recently Walmart has launched their money card which can be used anywhere Visa(R) debit cards are accepted. This can be a good news for users who dont like to bring cash when going out. Plus, cash will be loaded onto a Wal-Mart MoneyCard with no loading fees.

It’s easy to get one. Purchase a temporary Wal-Mart MoneyCard at any participating Wal-Mart. (Click here for Walmart locations in USA) You don’t need a bank account or credit check to qualify. Your card will be activated with just a call.

The best feature of Walmart Money Card would definitely be reloadable. You can reload your personalized Walmart MoneyCard for unlimited amount of times. Just go to any participating Walmart stores, you can go straight to the cashier and swipe your Card to load with cash or you can cash a payroll or government check and load part of all of that check onto your MoneyCard.

Access Walmart Money Card official website by clicking here

Did You Check Your Credit Report Last Month?

Our consumer life becoming more harder then we can imagine. Who do not want a hassle free life. Unfortunately we can not totally skip these! Identity theft is one of these threat for those who are not careful. Yes, i believe, if you are careful and careful to check your credit report regularly, at least once a month you can reduce possibility of identity theft.

You Have to Careful:

I am not going to give the definition of “Identity Theft”. You know, it is possible to apply for credit card or loan, maxed out your credit card bill by using your identity! Even they can loot your account and also charged unwanted credit card bills.

Most (maybe all) of us know the possible threat of “identity theft” and those who don’t know, they live in fools world! But i know, we are not sincere, we think “okay, will check it (credit report) tomorrow”.

I recommended to check your credit report regularly. Take action before any possible hassles.

At First Check Your Credit Report for Free:

Now i can hope that you understand the importance of monitoring credit report regularly. I never think or also not suggesting to check your credit report daily, once a month is enough.

You may already have noticed that by federal law you will get a copy of your credit report for free. Just you have to go government official website annualcreditreport.com . Unfortunately they are providing one credit report from three major credit bureaus (Equifax, Experian, TransUnion) in a year.

Tip: Think wisely, is it important to get all three reports at a time? Never, when you will apply your credit report it’s recommended to pick one bureau’s credit report. For instance, in january you can pick Equifax, in May you will pick Experian and from then after four months you will pick TransUnion. Yes, in this way you can monitor your report in four months basis.

Monitor Your Credit Report Regularly:

In whole of my post i wanted to say that check your credit report regularly and carefully. It will be better if you check your report at least once a month. So it will be a better decision to check it your leisure period, although you have to pay for getting this service. Here i am listing some services, you can chose anyone of these.

CreditReport.com – CreditReporting.com – CreditReportsandScores.com – Equifax.com – ReliaCredit.com – CreditMonitoring.com

Identity? Protect it Perfectly:

I think, it’s enough if you will sincere and careful to monitor your credit report regularly though you can hire or take service from third party. They will inform you instantly if any fraudulent occur with your identity. Yes, you should take one identity protection service for final security. No one know when his/her identity will theft.

My friend Hery Creigh using this service even his kids (2 kids) also go through this service & he is satisfied. Still confused? Don’t worry here i am listing some reliable services.

Okay, Finalizing My Boring Story!

By monitoring credit report you not only protect your identity from theft also could track and control your personal finance. annualcreditreport.com will be best for start but consider Equifax.com to check credit report and IDwatchdog.com for better protection.

Low Interest Rate Credit Card Series

Looking for a low interest rate credit card? Then you are on right place. And i think you decided a good decision by choosing this to negotiate your credit cards debt and also you may want to carry balance occasionally. Actually you are reading the extract of my Low Interest Credit Card series which covering total four posts. You may call it a guide of choosing low rate credit card.

• Know the Secret of Getting Lower Interest Credit Card: This was the first part of this series. Here i focused, “How you can lower your existing high interest rate card“. Yes if you have good credit score and paid off your balances monthly then why you are thinking to get new one? Obviously it will be worth for your credit worthiness.
• Low Interest Credit Card is Now Worthless!: Please don’t scared out. I don’t think it is for you if you are careful, sincere to payoff your CC balances monthly. So think to payoff your balances on due time and eventually it will be the best decision.
• How to Compare Low Interest Credit Card Offers: Still stick to get a new one? Okay, there is no problem. You will find lots of offer on online. But to get the best one and also suitable for you it’s recommended to read this part. I think after reading this part you could easily find out your desired low rated card.
• Top 7 Basic FAQs: This is the last part of this guide. There i have tried to answer some simple and basic frequently asked questions. You can read this part for better info. If you also have any question then fell free to ask on that page.

If you like this series then please help to spread out the word by sharing it with your friends and family.

Ready to Get Your Free Copy of Credit Report and Credit Scores?

Last week i have said, why you should check your credit report regularly? Now, in this post i will say how you can get your absolute free copy of credit report and the numeric mask of your credit worthiness “Credit Score“.

At first i wanna say, unfortunately you will get only one credit report for free from 3 major credit bureaus (Equifax, Experian, TransUnion) once a year, although i shared a tip on Did You Check Your Credit Report Last Month? And you may already noticed that now there are many types of score available in the market, although FICO credit score is still now popular. However, fortunately not only FICO but also other scores are also free for you.

Free Credit Report:

You may know i already wrote about government official website annualcreditreport.com where you will get your free copy of credit report. So it will be boring if i write same stuff here. Please check Did You Check Your Credit Report Last Month? and look on #At First Check Your Credit Report for Free. And must avoid FreeCreditReport.com

Free Credit Scores:

It is true and also you have to understand that you will not get your score for free unless you will not sign up for any finance or credit related service (exception are Credit Karma and Quizzle) and fortunately many of them offering free trial offer. Just you have to sign up for any service and after receiving your score you will cancel the offer. Sound pretty hot, right? Don’t worry, go ahead.

Compare Australian Credit Cards from Credit Card Finder

Now-a-days Australian consumers are more likely applying credit card online. Although credit card debt in Australia has become highest than past (42 billion AUD). So its clearly indicating that consumers are either not careful to payoff their monthly balances or they are not using right (best) credit card and falling down into debt! Right?

Let we read a survey result, around 50% of Australian consumers always pay off their balance in full. But maximum of them stick with their existing bank to apply credit card. So, may be they do not do any deep research!

Why you Should Compare Credit Card?

First answer me, why you will pay more when you can get the same service at the few rates? There are lots of CC company, bank in Australia are offering different offers. If you looking credit card for long term use then it’s recommended you should compare offers carefully.

There are many comparison sites in online and maximum of them are providing this service for free. Just do a google search you will find lots of comparison stuff. But as a personal finance blogger I am suggesting Credit Card Finder for my Australian audiences.

There are Several Reasons to Like:

• Customer Reviews: There are lot of consumers who using same credit card for their financial purpose. And also they know more then any of us. So it is important and will be helpful when you compare cards. And remember to leave your comment as a responsible consumer.
• Information: Why you will compare there if they do not provide sufficient information. Yes, they provide sufficient information.
• Secure Redirection: You may already noticed about # online hacking, fishing etc. So Credit Card Finder will redirect you more securely to the lender’s website. # Calculator: Also i am not used their calculators although it seem to me helpful. They have two calculators but Balance Transfer Calculator is more interesting then Interest Repayment Calculator.
• Reliable: They already able to gain popularity and also positively focused on Australian news papers.
• Categorized: As other comparison sites they have also categorized all cards by Best, Rewards, Low Interest Rate, Balance Transfer Credit Cards etc.

Also Some Reasons Why I don’t Like It:

As all of other comparison sites they also take time to update information. They are also not covering all available cards. And i think they should add rating system for better service.

When will compare must keep your needs in mind and I think Low Interest, No Annual Fees and Balance Transfer should more preferable then others.

First Step to Bulid Your Credit History #1

After two months latter again I am going to start a new series about “Guide to Build Credit History” for beginner like students, unemployed and who have not outstanding income. And this will be the first part of this series. I have written several posts about “credit“, but first time I am writing about credit building where this is one of the major topic in this blog! What a bad blogger i am! By the way, Well Come to the Credit World.

Why you Should Start to Build?

Now it’s not only to get low interest rate on credit card or loan but it can determine whether you will get a job, buy a laptop or even an apartment, moreover you could save huge money. Elsewhere you go your credit history will be the representative of your finance. So a fair history will always be acceptable not only when you will apply for a credit but also for a nice shape of your finance.

You may already have seen that maximum credit card offers which have lowest interest rates, no annual fee, excellent rewards etc are require at least good credit rating (mostly known as Score, I will write down a post about it). But if you have no or bad history you could not apply for it.

We don’t know when we fall down into emergency, when we will extremely need money. But when emergency will come we have to go banks or other financial offices to get loan. But creditor who will give you the money at first they will check your history then determine to accept your application or not. As a good borrower you have to have a outstanding history. Otherwise you application will be decline. Can you say “Who wants to take such risk?“.

I have only tried to explain the importance of its, hope you may already have got the points. As a newbie in the credit world you should start to build your credit history right now, otherwise your personal finance can hurt for years. So you should careful about it. Here i am saying what you should do or don’t when you start to build and must remember, your credit history will not build over night, you have to wait and be patient.

01. Check Your Credit Report:

As a newbie you may be confuse after reading the heading. Right? Okay let me clear, I know you are thinking that “what I will see on my report? Are anything really there?” Good points. Although you will nothing found because you do not use any credit yet. But you should continue to

Also have possibility to mix others information on your report, errors i.e: credit activities that you did not do never ever. In this case you should contact with 3 major credit bureaus (Equifax, Experian, TransUnion).

Another Reason to Check: It’s free! Follow this link to Get Your Free Copy of Credit Report.

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