A lil link to ccm's tweets at Twitter.
http://search.twitter.com/search?q=creditcardmix
There you will find a bunch of fresh tips about pop credit card offers, as well as a lot of funny, informative or even useless conversations. Join the community and let's keep track together of what's hot today and tomorrow!
Wednesday, December 3, 2008
Monday, November 24, 2008
Future of Credit Cards
Credit card companies are tightening screws on credit access for people with lower than good credit history. In spite of the fact that the Fed dropped down the rate to 1%, most issuers are raising their rates and fees for, what is even more interesting, their existing customers. The reason for that is that banks are trying to recoup from the recent wave of charge-offs.
The operating cost has grown, but the profit margin has shrunk significantly. Reward programs are being cancelled or postponed for better times. Intro periods for balance transfers are getting shortened. It is becoming harder and harder to find balance transfer accounts that will be offering fixed APR for the life of balance.
Additional charges are being introduced to the accounts with a long history of carrying large balances for years. Now a monthly fee will be applied to such accounts that will promote an early pay back or will cover operating cost.
The operating cost has grown, but the profit margin has shrunk significantly. Reward programs are being cancelled or postponed for better times. Intro periods for balance transfers are getting shortened. It is becoming harder and harder to find balance transfer accounts that will be offering fixed APR for the life of balance.
Additional charges are being introduced to the accounts with a long history of carrying large balances for years. Now a monthly fee will be applied to such accounts that will promote an early pay back or will cover operating cost.
Sunday, November 9, 2008
Quick Cash With A Credit Card
What is the best credit card for cash advance?
Credit card offers are constantly changing. It’s hard to ping one down for all times. But there are places on the web that keep track of that kind of things. Here’s one - cash advance credit cards at Credit Card Mix.
What does it cost to get cash advance?
Getting a cash advance with any credit card most of the time is not free! One will be paying some 2 to 4% in fees as soon as an ATM dispenses money in your hands. You probably will not get a grace period to pay off the balance and the interest rate, which will be applied to this transaction, is going to be much higher than to any purchases you make with this card.
To get the Best Credit Cards visit Credit Card Mix dot Com.
Credit card offers are constantly changing. It’s hard to ping one down for all times. But there are places on the web that keep track of that kind of things. Here’s one - cash advance credit cards at Credit Card Mix.
What does it cost to get cash advance?
Getting a cash advance with any credit card most of the time is not free! One will be paying some 2 to 4% in fees as soon as an ATM dispenses money in your hands. You probably will not get a grace period to pay off the balance and the interest rate, which will be applied to this transaction, is going to be much higher than to any purchases you make with this card.
To get the Best Credit Cards visit Credit Card Mix dot Com.
Friday, November 7, 2008
Gas prices and the election
What do you think will happen with gas prices in the near future? Since we got over the election day and nothing seems to be changing, I'd like to know what you think about it. Post your replies here http://www.pumpandsave.com/cheap-gas/commuting-and-commerce/election-day-and-gas-incentives/
Tuesday, September 23, 2008
New Gas Saving Blog at PumpAndSave
A few days ago PumpAndSave.com (http://www.pumpandsave.com) launched long awaited blog – “Cheap Gas 4 All”. This section of the website will be covering such topics as Latest Saving Tips, RV and Traveler Tips, Financing Your Fuel and even Tune Up and Performance. The administrators of PumpAndSave are hoping to be helpful for people who drive their vehicles to work, school, on trips and as a means of running their businesses.
For those who has not heard about this site, we recommend that you visit it and get familiar with the great selection of gas credit cards and budgeting tools that will help you save at the pump.
For those who has not heard about this site, we recommend that you visit it and get familiar with the great selection of gas credit cards and budgeting tools that will help you save at the pump.
Thursday, August 7, 2008
Credit Card Deal That We Will Miss, But…
Just a few days ago Citi made an announcement about the withdrawal of the 6,000 bonus point offer redeemable for a $50 gift card associated with the Citi Diamond Preferred Rewards Card. Well, we are going to miss it, but there are other cool credit card deals presently available to us.
So, let’s see what we’ve got going on out there!
Chase Freedom Visa Signature Card gives you $50 in bonus rebates after you make your first purchase. So, that’s a good thing!
American Express Preferred Rewards Gold Card has got 10,000 Membership Rewards points with your name on it! Just sign up for the card. And by the way, first year is fee free (saving you $125).
BucksBack Platinum Edition Visa Card promises to reward you with a $50 bonus the first time you use your card. Right on!
And that Ole’ Citi CashReturns Card with the 20% bonus on the cash back earned on all purchases for the first 12 months.
Also see other cool offers in:
Great Reward Credit Card Deals
Deals on Cash Back Credit Cards
So, let’s see what we’ve got going on out there!
Chase Freedom Visa Signature Card gives you $50 in bonus rebates after you make your first purchase. So, that’s a good thing!
American Express Preferred Rewards Gold Card has got 10,000 Membership Rewards points with your name on it! Just sign up for the card. And by the way, first year is fee free (saving you $125).
BucksBack Platinum Edition Visa Card promises to reward you with a $50 bonus the first time you use your card. Right on!
And that Ole’ Citi CashReturns Card with the 20% bonus on the cash back earned on all purchases for the first 12 months.
Also see other cool offers in:
Great Reward Credit Card Deals
Deals on Cash Back Credit Cards
Tuesday, July 22, 2008
Choosing a Credit Card for College Students
As we get closer to the beginning of a new academic year, I would like to remind our students about the financial choices many of them will face for the first time. So, especially if you are a freshman, pay attention to the following information ;)
While in college a wise thing to do is to choose a student credit card. It is very important to start establishing your credit early in your life. Now that you are in college doing just that would be a very smart decision to make. Credit cards for college students will include several benefits for you. Not only will they start building your credit history, but also allow you to get different types of rewards.
The credit card industry has been growing tremendously. Today there are many options for college students. Many websites exist where great credit card offers can be found. By using the websites and not stopping when you find something that looks okay, will allow you to find the perfect student credit card. The more research you do, the more chances you will have at choosing a student credit card with the best offer.
Since there are so many credit cards to choose from, it is very easy to make the mistake of choosing a credit card that is the first to come your way. Do not get into a rush. Make a self-assessment of yourself. Look at your spending habits and consider the things that you will need. If you are planning on carrying a balance, then choose a credit card that has the best annual percentage rate. If you are a disciplines spender, then choose a credit card that offers rewards that you will want to use.
Once you have chosen a credit card that you want, a key thing to remember is to use it responsibly. It is best to try to pay every month on time and in full. Staying very focused and not letting yourself get behind will help you tremendously. A college student gets examined very carefully because they are not a 40 year old with a credit history of 20 years. Also when you have chosen a student credit card avoid these things:
• Cash advances
• Department store credit cards
• Spending excessive amounts of money to get your rewards
Benefits to Choosing a Student Credit Card
While in college a wise thing to do is to choose a student credit card. It is very important to start establishing your credit early in your life. Now that you are in college doing just that would be a very smart decision to make. Credit cards for college students will include several benefits for you. Not only will they start building your credit history, but also allow you to get different types of rewards.
Do lots of Research when Choosing a Credit Card
The credit card industry has been growing tremendously. Today there are many options for college students. Many websites exist where great credit card offers can be found. By using the websites and not stopping when you find something that looks okay, will allow you to find the perfect student credit card. The more research you do, the more chances you will have at choosing a student credit card with the best offer.
What College Students Should Consider
Since there are so many credit cards to choose from, it is very easy to make the mistake of choosing a credit card that is the first to come your way. Do not get into a rush. Make a self-assessment of yourself. Look at your spending habits and consider the things that you will need. If you are planning on carrying a balance, then choose a credit card that has the best annual percentage rate. If you are a disciplines spender, then choose a credit card that offers rewards that you will want to use.
After Choosing a Student Credit Card
Once you have chosen a credit card that you want, a key thing to remember is to use it responsibly. It is best to try to pay every month on time and in full. Staying very focused and not letting yourself get behind will help you tremendously. A college student gets examined very carefully because they are not a 40 year old with a credit history of 20 years. Also when you have chosen a student credit card avoid these things:
• Cash advances
• Department store credit cards
• Spending excessive amounts of money to get your rewards
Sunday, June 29, 2008
How to use 0 APR credit cards efficiently
For those who are looking to save money in interest by transferring balances from a credit card with high APR to a credit card with lower rates, 0 APR credit cards should be of particular interest to them. These cards will require one to make minimum payments during the intro period (which will usually last for up to 12 months) with no interest whatsoever. If a transferred balance is great these savings may be quite significant. However if paying off the balance within an intro period is not an option, then one shall look for a card with a fixed APR for life of transferred balance. Otherwise he or she will end up with a high or regular interest at the end of the intro period and will have to start paying it as well (or to find a way to transfer it to yet another low interest account).
Remember that “jumping ship” every time the intro period is up may not be the best practice. Opening a new account will bring your credit score down. It is not a fact that the next time you apply for a card you will get it. Additionally almost all balance transfers will be accompanied with a fee (percentage of the balance), which is paid up-front. This is less efficient than paying it over time as low interest. So if you are planning on paying off your current balance for a few years, look for a balance transfer credit card with a low fixed interest rate for life of balance.
Remember that “jumping ship” every time the intro period is up may not be the best practice. Opening a new account will bring your credit score down. It is not a fact that the next time you apply for a card you will get it. Additionally almost all balance transfers will be accompanied with a fee (percentage of the balance), which is paid up-front. This is less efficient than paying it over time as low interest. So if you are planning on paying off your current balance for a few years, look for a balance transfer credit card with a low fixed interest rate for life of balance.
Saturday, June 21, 2008
Vote for your Favorite Credit Cards
How many credit card websites will let you vote for your favorite credit card and determine in a fair way which credit card is really the best. I have not seen any that do, although some do let users leave their comments. Now you can both leave your comments and put your vote for the card you know is good. This will help other credit card consumers to pick the best that’s out there for them. To do that…
Visit CreditCadMix – Best Credit Card Deals Online and check out their online credit card forum. It is set up in such a manner that each credit card category they have in their catalog is subject to people’s review, critique or just attention.
This is a really good chance for all of us to tell other guys like me and you what is best and not expect some biased opinions sell to us what they think is. So, check out these guys and put your vote to use!
Visit CreditCadMix – Best Credit Card Deals Online and check out their online credit card forum. It is set up in such a manner that each credit card category they have in their catalog is subject to people’s review, critique or just attention.
This is a really good chance for all of us to tell other guys like me and you what is best and not expect some biased opinions sell to us what they think is. So, check out these guys and put your vote to use!
Sunday, June 8, 2008
More on Gas Savings
In addition to our previous post we are making a little note.
Just a few days ago YourOnRamp featured an article called Internet Saves Gas Money. This post is dedicated to saving on gas with the help of online services. The author of the article has mentioned PumpAndSave (thank you!) as one of the best websites for gas credit cards and gas saving tips. The article also covers other websites that along with PumpAndSave may be useful to people looking to save at the pump. If you are interested in the subject, follow the link above.
Just a few days ago YourOnRamp featured an article called Internet Saves Gas Money. This post is dedicated to saving on gas with the help of online services. The author of the article has mentioned PumpAndSave (thank you!) as one of the best websites for gas credit cards and gas saving tips. The article also covers other websites that along with PumpAndSave may be useful to people looking to save at the pump. If you are interested in the subject, follow the link above.
Thursday, May 29, 2008
Saving Gas Money with Credit Cards
The record high gas prices have become one of the most talked-about topics these days. I felt like I had to say something about that as well. Just a few days ago, as a part of my everyday tasks,I had to review credit card offers with rewards applicable to gas purchases. Such cards (a.k.a. gas credit cards, gas cashback cards, etc.) will let cardholders to accumulate points as they fill up their cars with gas. Consequently these points can be redeemed for cash, discounts, gift cards and whatever else, which in turn may amount to 5%-10% savings of gas prices.
Interesting? If so, apply for one of such cards and start saving. Don't forget to pay your balance at the end of every billing cycle without carrying it to the next month. Here’s where you can find some of the best gas card offers online:
CreditCardMix.com – Cash Back Gas Credit Cards
CardFusion.com – Gas Cash Back Credit Cards
PumpAndSave.com – Best Gas Credit Cards
If you are a small business owner you can take advantage of some credit card offers for businesses. Check this link for Gas Credit Cards for Businesses Also see the above mentioned websites for more information.
Interesting? If so, apply for one of such cards and start saving. Don't forget to pay your balance at the end of every billing cycle without carrying it to the next month. Here’s where you can find some of the best gas card offers online:
CreditCardMix.com – Cash Back Gas Credit Cards
CardFusion.com – Gas Cash Back Credit Cards
PumpAndSave.com – Best Gas Credit Cards
If you are a small business owner you can take advantage of some credit card offers for businesses. Check this link for Gas Credit Cards for Businesses Also see the above mentioned websites for more information.
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