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You're probably thinking "Tell me something I don't know" but in this time of low interest rates you might be thinking that you've got a great deal since credit card interest rates are low. Wrong. Credit card companies have a cutoff as to how low their interest rates will go. So when interest rates are low for lending, that doesn't mean your credit card rate will be low as well. If you don't know, or aren't sure, if your credit card company has a minimum interest rate just look at the fine print on your next credit card bill. If you can't read that small of print, and most of us can't, give the customer service a call. If your credit card company does have a minimum interest rate then I'd plan to look around and go with the credit card companies that don't. Because when the interst rates drop, you should get a break on your credit card rate. The fixed rate on credit cards actually rose in the last twelve months. Why? Because the credit card companies have been actually losing money due to record numbers of delinquencies and bankruptcies. Those who can't pay now for their purchases in the past are sticking their bill to the rest of the credit card holders. So you may think that you want to get that credit card insurance being pushed by credit card companies that will pay your bill if you become disabled or unemployed. Not so fast. The average payout on a credit insurance policy is 30-50%. The National Association of Insurance Commissions actually recommends a payout of at least 60%. Payouts for debt cancellation and debt suspension is in the 1-3% range. That's definitely not worth the premiums. Get enough regular life insurance and disability insurance to cover your debt as their premiums are much cheaper and have greater payouts. Beware of a credit card company trick that I recently ran into. I mailed a payment a week early but yet was still charged a late fee. Impossible I say. I found out the payment had to be in the credit card company's processing center by a certain time on the due date. Think of my credit card payment making it's way through the mail, to a P.O. box, then getting picked up, sorted, sent to the processing center, opened and recorded. And this has to be done by a certain date on the due date. Ouch. I suggest mailing in your payment at least two weeks early. Christine Breen is the owner of the website www.1stop-creditcards.com which helps consumers learn about credit cards and find a card to work for them.
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PITTSBURGH -- With many Americans drowning in debt, credit card companies are suddenly willing to throw some of them a life preserver. But it could be a sign of more struggling times ahead for the struggling economy. When shoppers plan to charge a ...
Read moreCredit Card Companies Lend Helping Hand To Customers - Pittsburgh Channel
I know, it's tempting: You want the best price on a product so you sign up for store credit cards to take advantage of a discount or freebie offer. Cashier clerks at many big retailers are even trained to ask you moments before you make your final ...
Read moreDon't apply for credit cards to get a shopping bargain - Bellingham Herald
BOISE, Idaho -- Rick and Noreen Capp recently reduced their credit-card debt, opened a savings account and stopped taking their two children to restaurants. Jessica and Alan Muir have started buying children's clothes at steep markdowns, splitting ...
Read moreHard-Hit Families Finally Start Saving, Aggravating Nation's Economic ... - Wall Street Journal
DOHA: The Capital Police has arrested an Asian who allegedly stole a resident’s mobile phone and wallet containing some cash and a credit card. The victim was sleeping when the suspect entered his room and slipped his hand below the pillow and took ...
Read moreMan held for stealing wallet, phone - Peninsula
CARD holders of Standard Bank Namibia who are experiencing problems paying with their cards in shops will have to suffer for a few weeks more – the system fault might only be rectified by the end of this month. Several shops and supermarket ...
Read moreStandard Bank customer woes - Namibian
The rules are hardly onerous; in the words of one board member, they're intended to "increase transparency and fairness ... thereby enhancing competition and empowering consumers." For example, one of the rules will prevent credit card companies from ...
Read moreEditorial: Credit card relief - Gainesville Sun
The British government should cap credit-card interest rates to help small businesses weather the economic downturn, an industry body said Tuesday. In its annual New Year message, the Federation of Small Businesses called on the heads of the Treasury ...
Read moreUK small-business group wants credit card rate cap - BusinessWeek
Layaway is a method of purchasing retail merchandise that enables shoppers to put an item on reserve and make payments on it until it is paid in full. Merchants invented layaway during the Great Depression, a time when many shoppers had little money ...
Read moreLayaway: Should You Ditch Your Credit Card? - Denver Post
People who purchased gift certificates and season subscriptions from the just-closed Carousel Dinner Theatre using credit cards are urged to “contact their credit-card company to process a full refund.” So said Joseph E. Palmer, executive ...
Read moreCarousel Dinner Theatre refunds available for some - Canton Repository
It may already be a cliché, but the credit crunch is forcing all types of businesses to review their costs and look at how they can reduce overheads. ...
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