Using Credit Card Ratings in Choosing Card after Bankruptcy

Credit Card Ratings - for Bankruptcy

Credit card ratings can be a guide to people who claimed bankruptcy in applying for a new credit card.

Claiming bankruptcy frustrates many Americans especially during the time of economic crisis.

The dilemma of being declared as bankrupt includes facing the possibility of rejection for loans, credit cards and other financial services.

On the other hand, lenders including credit card issuers may understand that bankruptcy does not necessarily imply the true relationship of an individual with money. The reason is that most bankruptcies are results of adverse events happened to people that are beyond of their control such as incurring significant amount of payments arising from medical debts.

In addition, people who claimed bankruptcy can be considered less risky by lenders because of their inability of seeking another bankruptcy protection few months after their discharged. Besides, having a new credit card is a chance for them in rebuilding their financial history.

Cards with Credit Card Ratings Available for Consideration after Bankruptcy

Credit Card Ratings - Credit Card OffersAlthough many credit lenders left the industry because of the credit crunch, group of banks and other financial institutions are willing to deal with post-bankruptcy consumers.

According to the credit card ratings of various websites, five cards are chosen to be ideal products to provide opportunities to people in rebuilding their financial future.

  • Secured Visa (Wells Fargo)Wells Fargo is known to be a dominant retail bank in the US. You can start with a minimum of $300 security deposit and $25 annual fee. With the bank’s periodic review of their secured accounts, you can have a chance in converting unsecured credit card and at the same time get back your deposit when you are able to manage the account well.
  • Secured Credit Card (BankAmericard)Bank of America also took the effort to focus on retailing on personal services. The bank reinstated the option for a secured credit card available for consumers that have savings and checking accounts. The credit card ratings for the annual fee of this card are a bit higher than that of Wells Fargo, but have the same APR and features.
  • Orchard Bank MasterCard and Visa CardMasterCard and Visa Card are attractive card possibilities for people from bankruptcy discharge. Even though these cards have relatively high interest rates and annual fees, they are the ones to turn to when other banks shunned credit card applications. Mostly, an unsecured card would have less than $60 of annual fees, but have no application fees and no additional service charges.
  • Prepaid Card (Upside Visa)This card belongs to the latest group of reloadable prepaid cards with the intention to replace the traditional checking accounts. If you place a direct deposit from the employer, you can reduce the monthly service fee. The plus about this card is the inclusion of bill payment service.
  • Debit Card (Green Dot)The Green Dot is commonly used in shopping at convenient stores and drug stores. The card replaces the conventional checking account. This debit card is reloadable and provides convenience to consumers who have problems with regular banking hours. Users usually find it more convenient to reload $5 to Green Dot than waiting in line for the next available teller.

According to credit card ratings, consumers should take note that although prepaid cards may carry MasterCard or Visa Card logo, these cards do not offer the same protection on purchases that credit cards provide.

They are not also reporting your purchasing habit to the credit bureaus, which means no effect on credit score.

The positive aspect would be on the opportunity in learning how to budget purchases with the reloadable card that will result in building new habits that would be helpful in the future.

Why Is Credit Card Score Important for Approval?

Credit Card Score - Importance

Have you wondered why your credit card score is always being asked when you apply for a credit card or other types of credit? Your score is an important factor in the assessment and processing of your credit application because your score is directly proportional to your creditworthiness.

This means, when your score is high, you can easily access goods that can be purchased through credit. Also, with high credit score, you will most likely be easily and quickly approved for a loan because the creditor can forgo credit investigation to check on your personal and financial background.

For example, if you are planning to purchase a house; you can immediately pre-qualify for a housing loan because of your exceptional credit score. Another thing since your score is high; the creditor is willing to give you lower interest rates because they are considering you a low risk.

The Benefits of Understanding the Calculation for Credit Card Score

It will help you a lot if you understand how your credit card score is being calculated. The three main credit bureaus are in charge of setting up the criteria being used in the calculation of your credit score. These bureaus are independent institutions and are not connected with any credit card company.

Generally, these three main bureaus are using the FICO scoring criteria in calculating your credit score that are based on five major categories consisting of amounts owed, payment history, new credit, length of credit history, and types of credit used with corresponding percentages.

However, the three bureaus differ in their particular calculation models and the actual formula that they use for calculation highly classified. Therefore, it would be best for you to understand the possible and general criteria being used in calculating your credit score in order for you to manage your score effectively.

How to Improve Your Credit Card Score

Credit Card Score - Factor for ApprovalYou already know the importance of having high credit card score and general criteria on how they are calculated. But, how will you improve your score if it is not high enough?

All transactions you make on credit are automatically recorded by the three main credit bureaus whether the amounts are large or small. The bureaus will then make their calculation based on all the reports given to them by your lenders.

Therefore, the most useful way to improve your credit score is to understand the criteria used for calculation and avoiding doing things that will cause negative effects on your score.

Delayed payments or missing a payment will definitely cause a negative point in your score. Therefore, you must make sure that you have the funds available for all purchases that you made when the due date comes. Take into consideration unexpected situations that will hinder paying your credits on time when making your budget.

Frequent usage of your credit card and almost using up your credit limit will also bring your credit score down. Going beyond your credit limit will crash your credit score. It is best that you monitor your purchases and space out the use of your card.

On the other hand, not using your credit card will not improve your credit score, but will bring it down and might even lead to the cancellation of your card. Make sure that you use your card moderately and that you keep your purchases within ten to forty five percent of your monthly credit limit.

In summary, your credit card score is an outline of your financial history that is being used to determine your creditworthiness. The main basis of this evaluation is your previous actions that are directly in relation with how you pay back the loans you have taken.

BEST ZERO 0 APR VISA CREDIT CARD OFFERS

0 APR Visa Credit Card – Just like any other provider in the market has a host of 0 apr credit card you just need to click on any search engine and out jumps a whole lot of 0 apr visa credit card.

0 apr credit card is the most sought after credit category in the business which is why every provider wants to get a grasp in that particular segment.

You would be able to find that this is one category where providers compete with each other for offering the cheapest deals and the juiciest offers and the visa 0 apr credit card lag no further behind.

Following are some of the popular 0 apr visa credit card:

1. Chase Freedom Visa – $100 Bonus Cash Back Credit Card

This 0 apr credit card gives you a 100 dollar cash back if you can make purchases for 500 dollars within the first three months of registering for the card.

The 0 apr visa credit card has the 0 apr clause applicable for balance transfers for a whole year and on purchases for the first six months.

There is a 5 percent cash back that rotates every quarter for categories like gas, home improvement and department store and extra 10 percent cash back for making online purchases from their website.

The credit card does not take an annual fee from you but you will need a fairly high credit score to secure this credit card.

This credit card is not for those who carry a high balance because there is no point going in for this one if you cannot avail the 100 dollars cash back during the first three months.

2. Bank Americard Cash Rewards Visa Signature Card – $50 Statement Credit Offer

If you can make retail purchases for a minimum of 100 dollars within two months of registering then you get straight 50 dollars of opening credit.

There is a 3 percent cash back on gas, groceries and medicines for the first 6 months and 1 percent discount on all other shopping.

You can use the credit card for paying any loan and you are given the facility to redeem rewards for a check.

You secure 25 percent cash back for redeeming cash rewards of 300 dollars or more.

However the 0 apr is there only for the first 7 billing cycles on purchases and the first 12 billing cycles for transfers following which the regular apr rates will apply.

 

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0 APR Credit Cards How to Make the Most of Your Zero 0% APR Credit Cards

Make Your Zero 0 APR Credit Cards Work Hard For You, Find out How.

Most people get into the zero 0% apr credit cards deal just by looking at the 0 interest clause thinking that the 0 interest is all they need to be bothered about. But in reality there are a lot of other things also in 0 credit cards which can be used to gain competitive advantage.

In America, the 0 credit cards come either as balance transfer credit cards, introductory purchase offer category or as a combination of both. Whatever may be the case there are many dos and don’ts to be aware of so that you may be able to get the best out of your 0 credit cards.

Know the Introductory Period of your zero 0% Credit Card Offer

In both balance transfer credit cards and 0 credit cards the 0 rates are applicable only till the time the offer lasts.

Once the offer period closes then the regular apr rates apply for both balance transfers and purchases. In many cases you may need to pay much more than what you would generally pay for most other credit card categories.

So in order to get the maximum out of your 0 credit cards you should make sure that your balance on the zero 0 credit card is only so much big that you can repay the entire amount within the time frame the offer.

If your balances cannot be repaid in full when the offer lasts then going in for a balance transfer credit card with 0 interest may not be a good idea because the rates after the offer period are likely to be quite high.

Know the Category Your monthly payments are being applied to by the 0 apr credit provider

Though most credit card providers today offer 0 rates on both purchases and balance transfer it is important to note the offer period of each.

Once the zero rates for purchases expire many credit card providers would take the money that you payment towards clearing your outstanding balances from the previous credit card while the money on the purchases you make currently would go into the outstanding balance.

It is important that you talk to your credit card issuer about what its strategy would be in this regard so that you can plan your budget accordingly and assess your priorities as well.

It is best that you go in for the credit card that would have the longest period on offer for both purchases and balance transfers so that you can make the best out of both the deals while the going is good.

Check out how to get the best out of a 0 interest credit card and 0 apr credit card offers. Fill in the 0 apr credit card application of your choice of 0 apr credit cards.

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0 APR CREDIT CARDS Major Advantages of Zero 0 APR Credit Card Offers

Zero 0 apr credit cards are by far the most popular credit cards and the most sought after ones in the credit card business.

This is essentially due to the reason that these 0% apr credit cards carry a whole lot of benefits that have been bundled into a single offering.

You get to enjoy the benefits of not paying an interest on your outstanding balance as well as the purchases you make for as much as up to 18 months and most 0 apr credit cards also have rewards and lucrative cash backs attached to them as well.

Advantages of 0% apr credit cards

1. Balance Transfers Using Zero APR Credit Cards

The biggest advantage of using a 0% apr credit card comes to those customers who are burdened excessively by the high rates of interest that they need to pay on the credit cards that they use presently.

By transferring the balances of such cards onto a zero interest credit card you are taking the benefit of a zero 0% interest rate as well as availing some extra time into paying your balances.

By ensuring that you do not make purchases using the card you can be guaranteed that the money you pay towards the credit card bill goes solely towards your balance repayment and that too without interest.

2. Debt Consolidation Using Zero 0% APR Credit Cards

The other party who benefits from a 0% apr credit card balance transfer is people who have maxed out all their credit cards and are running headlong into credit card debts.

For such people Zero 0% apr credit cards come with the relief of consolidating all their debts into a single credit card provided that the debts are within the stipulated limits.

There is the convenience of not having to make multiple payments coupled with not having to pay interest on the balances that you have accumulated across a whole range of credit cards.

If you are presently carrying loans for which you need to pay quite some money as interest then pay off as much of the loan as possible using the 0 apr credit card and you can scot free of the interest.

3. Put Large Purchase Items On Zero 0% APR credit Cards

You can also make large scale purchases which you can be sure to repay within the offer period so as to avoid paying an interest on the high credit card bill that you would have had to pay off if you had made the purchase using any other type of credit cards.

 

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How to Handle 0 APR Credit Cards Application

If you want to make 0 APR credit cards application, you need to have excellent credit score. This will provide better chances of being approved with your application.

In order to ensure your application, you have to look at the annual credit report, and be able to check or fix any possible errors. These services are free, and readily available upon request.

This will essentially give an increase to your credit score as well as making you credible to be approved in your 0 APR credit card application. It will also place you in a good credit standing in a consistent manner.

The Way in Choosing the Best Company for the 0  APR Credit Cards Application

0 APR Credit Cards Application - The Way in Choosing the Best Company for the 0 APR Credit Cards ApplicationIn the process of applying for a 0 APR credit card, you have to conduct a research to be able to choose the best card issuer.

You may opt to look at Discover, Citibank credit cards, JP Morgan Chase, American express and other eligible banks.

When you finally decided the card issuer, find the online 0 APR credit cards application form in their website.

It is crucial to read the fine prints as well as the 0 APR credit card offer in order to make sure that you have exhausted every possibility of any hidden interest or fee.

Also, you have to understand whatever restrictions and other implications that are not clear concerning your 0 APR credit card application.

The Tricks of 0 APR Credit Cards Application.

Make sure that you are not going to missed out the introductory period of the offer because it is passes very quickly.

Have an understanding about the balance transfer fees. More often, while you are getting low or 0 APR credit card, you will be charged with 5% balance transfer fee that will definitely sweep away whatever advantages when using the card.

Know exactly the payment cycle and budget accordingly. If possible, make a request for specific payment date that will lighten your payment schedule.

Avoiding the tricks of 0 APR credit card application will provide you with thousands of dollars in savings from paying interests.

Reminders for 0 APR Credit Cards Application.

0 APR Credit Cards Application - The Tricks of 0 APR Credit Card ApplicationIn general, most of the 0 APR credit card application incorporates instant approval feature. This will ensure that you will not be waiting very long for the approval.

Remember that your credit worthiness is crucial, and it will be the major aspect in order to get the credit card approval.

Before submitting the 0 APR credit card application, double-check if you have filled up all the necessary information correctly, and leave no blanks.

Whenever needed, you have to be ready with any additional documents that the credit card issuer may require during the process of the application, especially when you are applying online.

Regardless, however lucrative is the offer, always keep a presence of mind on the hidden dangers of 0 APR credit cards.

The best way in handling 0 APR credit cards application is the understanding of what this type of credit card has to offer and the careful consideration of details.
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Zero 0 apr credit card offer How to Make the Most of a 0% APR Credit Card

With the current wave of economic recession, obtaining a zero percent 0 apr credit card can help some of us find our footing and balance as we head job hunting. Learn how to obtain and best use this low interest rate credit card offers that are constantly being mailed to you.

0 apr business card credit

Properly used 0 apr card credit can be a safe haven in times of need. Photo courtesy: jacksteruk309

General Introduction to 0 apr credit card application

There are many different kinds of credit cards which are available out there. In this economy it is a good idea to be able to get the best credit card that you can qualify for. In many people’s opinions, the best idea is to sign up with a card that has a 0 APR offer. In order to make sure that you are getting the most out of the card that you sign up for, there are a few different things you should keep in mind. This way you will be able to get the card which will allow you to live your life the way that you want to live it.

The best 0% APR Credit Cards

The first thing that you need to know is that not all cards with a 0 APR offer are the same. There are some which will have the lowest credit card rates after the introductory period. There are others which will allow you to enjoy great bonuses on top of the low rates that they apply to your debt. Make sure that you are choosing one of the cards which will allow you the most when you get started as well as being a low intrest rate apr credit card later.

0 apr business card credit

Properly used 0 apr card credit can be a safe haven in times of need. Photo courtesy: moacir

Where to Find 0% APR Credit Cards

There are a few different sources where you can find good 0% APR credit cards. While you are sure to see a lot of commercials for cards with a 0 APR offer, these are not the only cards which are available. You can also get a card through your bank and through credit unions. Shop around online and through the places where you do business to find a card which will allow you to make purchases without having to worry about paying extra money for interest rates.

How to Get Approved for 0% APR Credit Cards

Being able to use the credit card with a 0 APR offer is to make sure that will be able to be approved for the 0 apr credit card application in the first place.

0 apr credit card application

How to Get Approved For a zero APR card credit starts with your credit report. Be sure to examine it for any errors before applying . Photo courtesy: andresrueda
This is possible when you know what the terms are for the card. The lowest apr credit card rates are available to the people with the best credit histories but even people with bad credit scores will be able to get the offer, they just might not be able to get the full length of the introductory period.

How to Use 0% APR Credit Cards

It is very important that you make sure that you are using a low interest rate credit card in the smartest possible manner. This includes making sure that you are making purchases which make sense on top of what you have already transferred. Try to make sure that you do not purchase so much that you cannot pay everything off within the introductory period. This way you will not have to worry about a balance carrying over to a rate at which you will have to pay the interest fees.

 

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Best Zero 0 apr credit card UK

Apply For Halifax – the Best Zero 0% APR Interest Rate Credit Cards in the UK

Popular Zero 0 APR Credit cards in UK

Have you ever checked out which is the best zero 0 apr credit card uk? Let us just find out.

But before we go into that let us just find out what exactly 0 apr credit cards are and what is it about them that makes them so very special.

A zero 0 apr credit card uk is essentially a credit card which will not charge any interest on purchases and even cash balance transfers made during the offer introductory period, usually six (6) to Eighteen (18) months.

This would apply to balance transfers only if the deal involves the zero interest clause on balance transfers as well.

However the offer does not last forever and the moment the introductory offer period expires you will be charged whatever rates the lender stipulates or what the market indicates.

How Can I Apply For A Zero 0% APR Credit Card in UK?

The 0 apr credit card uk are generally available to those customers who can be trusted with no interest payments for a certain time frame.

This would mean that you would need to be financially stable and good with credit if you need a 0 apr credit card from uk.

Go to the lender website and submit a credit card application, providing all required information asked of you. Please be truthful.

Credit card issuers will verify the information that you provide them with which will be part of the supporting documents you furnish and do a little probing form their own side and decide whether you are credit-worthy enough for a 0 apr credit card uk.

They will also set your credit limits, introductory period for the Zero 0 Apr offer accordingly.

How to Choose the Best Zero 0% Credit Card Thats Right for You

    • Balance Transfer Terms & Introductory Period of 0 APR Credit Card UK

Your choice of which 0 purchases credit card which is the alternate name by which 0 apr credit card uk is known should typically depend on whether or not you need a balance transfer. Many of the 0 apr credit card uk have long periods for 0 interest on balance transfers which are the options you should go in for if your problem in excessive outstanding balance on your current credit cards.

    • Purchases – Introductory Period

On the other hand if it is purchase you are on the look out for and you plan to make some huge purchase in the first year of signing up then you should opt for the credit card which gives you a longer introductory zero interest offer on purchases. However in both the cases it would be good to go for an in between option which takes a relatively low interest but may not have too long time frame on offer.

    • Halifax – Best Zero 0% APR Interest rate Credit Card UK

Among the popular options in 0 apr credit card uk the best one to fill a credit card application for would be Halifax  since it gives you the longest introductory offer period of ten (10) months for both balance transfers and purchases while also having the lowest rate beyond the offer period of 15.99 percent.

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Is 0 APR Credit Card Offer Helpful?

Have you thought how can a 0 APR credit card offer help you with your finances?

Surely, with the economy down and household expenses continuously going up, family earners are doing everything to make both ends meet.

0 APR Credit Card Offer - Take advantage of the offer

Frugal spending and way of life is now becoming popular among many households all over the world.

Developing countries are very much affected since the big chunk of their income come from foreign trade with the USA and other highly developed countries.

Therefore, if we are experiencing economic difficulties, these countries experience it more.

Thanks to credit cards and its many offers such as 0 APR, we are able to purchase goods and services on credit.

Do You Know How 0 APR Credit Card Offer Works?

If you want to take advantage of 0 APR credit card offer, you must first know how it works.

Otherwise, it will be more of a disadvantage instead of an advantage for you.

0 APR or zero annual percentage rate is usually offered for an introductory period only.

Why is there an introductory rate?

Introductory rates are offered when credit cards companies launch new products or entice first time credit card consumers to buy their products.

However, due to competition and other concerns, the government puts a limit on how long the introductory period should run.

Under the law, the introductory period runs only between six months and twelve months.

Therefore, when you make purchases during this period, you will not be charged with any interest even if you only pay the minimum for each month.

How Do You Qualify For 0 APR Credit Card Offer?

0 APR Credit Card Offer - Use it for savings

Apparently, the requirements for 0 APR credit card offer are stiffer than the regular credit cards, but are reasonable.

The main criterion for you to qualify is to have a good credit.

Remember, you are given the opportunity to purchase without paying any interest for a period of time.

A good credit score will prove to the credit card issuers that you are worthy of the offer.

After you make your choice, you can either apply online or in person.

Make sure that you completely fill out the application.

Read thoroughly the agreement and make sure that you understand everything.

If you have any concerns, settle it first before you sign the agreement.

Should You Take Every 0 APR Credit Card Offer?

Actually, 0 APR credit card offer is not for everybody.

It is not for you if not paying any interest charges will make you spend more than what you can afford to pay or if you cannot control yourself from spending more than what you normally be doing.

But if you confidently think that this card is for you, you still should not take all offers presented to you.

If you need this card to take advantage of the no interest, choose the one that provides other features such as no annual fee, cash back rewards or travel miles rewards.

You can also take advantage of the 0 APR offer if you are planning to make big purchases.

At least, you have twelve months to complete your payments without paying any interest charges.

Another important reminder, if you will take this kind of offer; make sure that the regular rate after the introductory period is the lowest in the market.

Also, it is always advantageous to pay your monthly bill in full and on time.


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0 APR CREDIT CARD

What is it that makes a 0 apr credit card so important to a credit cards holder?

0 apr credit card balance transfer – This is the age of balance transfer.

Consider a situation when you are facing a lot of trouble with the huge balances that you have been piling up on an existing credit card.

Any credit card helpline including the one that your own credit card issuer has will immediately suggest going in for a balance transfer.

This invariable means that you transfer your balance into another credit card that carries a significantly lower rate of interest, basically zero 0% apr interest rate, than what you currently pay.

When you have the option of paying no interest for some amount of time then why would you even think of looking for another credit card with a lower interest rate?

In comes 0 zero apr credit card. A 0 apr credit card is essentially a balance transfer credit card wherein you would need to pay zero 0 interest for the balance that you have transferred for a pre fixed time span which is termed as the offer period.

The apr rates that are currently on in the market would be applicable to the 0 interest rate apr credit card once the offer period is over.

In fact many credit card issuers also charge a higher rate of interest on their 0 apr credit card than the market rates once the intro period is over.

The fact that makes a 0 zero apr credit card so popular and an important player in the credit card business is that if used well they can be the answer to getting you out of credit card debt.

There are two basic facts to remember here if you wish to use your 0 interest rate apr credit card to get you out of the mess you have landed yourself in.

    1. Stop Buying on Credit Until You Pay off The Balance TransferThe first thing is to realize that you are moving at double fast speed into credit card debt and that you need to stop right there.Once you realize this very important and not so nice truth the next thing is to find out why exactly you have got yourself into debt. If you find out that the culprit is the high rate of interest that you have been paying towards your outstanding balance then the nest thing to do is to find out what 0 interest rate apr credit card suits your balance the best.
    2. Make the terms and Conditions of Balance Transfer Work for You.Now comes the second thing. 0 interest rate apr credit cards will have an intro rate that does not last forever.
      It is in your best interest for you to devise a strategy such that the money you pay will go solely towards repayment of your credit card debt if that is what you have transferred your balance into the 0 interest rate apr credit card for.

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