Bob Benson's Articles in Credit

  • Avoid credit card traps
    If you’re like most Americans, offers for credit cards arrive in your mail on a daily basis. Why are credit card companies so eager for your business? There are many reasons.

    Credit cards, for one thing, are not free cash. Funny enough, many customers think of them this way, and that—aha!—is how credit card companies make their money.
  • Your credit card is a financial tool
    Credit cards are an excellent way to help you manage your finances each month. Used wisely, they are an excellent financial tool
  • A smart way to manage credit cards
    Credit cards are a great way to help you to control your finances. It’s true that occasionally we may make poor decisions with our money, while other times the events in our life can take us beyond what we want and we are sadly left holding the bill
  • Which credit card is the right one for you?
    There are so many credit cards out there. They offer different rewards, different points, different interest rates, and different ways to use them. So which is the right one for you
  • Resolving Credit Card Disputes
    Image this if you will, one day you receive your statement in your mailbox and of course you do not assume anything out of the ordinary because you only used the card one time last month, which was to buy your niece a birthday present
  • Choosing The Best Credit Card For You
    When choosing the right credit card for you, it is extremely important that you are aware of the conditions and terms that apply to the credit card
  • Credit Card Security Measures
    The chip and pin security features that credit cards offer is a very secure and simple integration that makes using a credit card safer and easier
  • Checking Your Credit File
    Your credit file contains extensive information that can make or break you when you are attempting to finance an item, obtain a credit card or a personal loan, if you have never checked yours, now is a good time to do so
  • Finance Finding Bad Credit Loans
    Many people within the UK have come to find that they have bad credit and with bad credit come the shocking realization that it is extremely difficult to obtain any type of loan.
  • Bad Credit Mortgage Refinance Tips
    One hundred percent mortgage refinancing enables you to use your equity in borrowing and at the same time could very well make your interest rates lower.
  • Credit Rating and Credit Cards
    Free gifts are great. And when free offers come in the mail, we may feel like we’re the most important person in the world!
  • Credit Counseling Explained
    Not only is credit counseling now a requirement when filing bankruptcy thanks to the new laws set forth in October of 2005, but it is also a good idea for those who find that they are swimming in a river of debt without the proverbial paddle
  • Credit Card Budgeting
    When you receive a credit card, you will want to carefully follow an outlined budget for your entire household.
  • Tips For Credit Card Approval
    With the vast expanse of the internet, it has become easier than ever to gain approval for a credit card instantly
  • Credit Cards For Small Business
    For those that own a small business, having a credit card specific to small businesses can be a huge help to the company in a great many ways
  • Debt vs Credit Cards
    When you are considering getting a credit card you should be fully aware of all the consequences that could come with the responsibility of having and using one
  • The Fundamentals of a Credit Card
    Credit cards, if used wisely, can be extremely handy and useful. By carrying a credit card you will eliminate the worry that comes with carry cash in regards to theft.
  • Eliminate Credit Card Debt
    At this time many people have come to represent a social status, in essence many people believe that by dragging out their credit card upon making a purchase, they somehow are signifying their status within society.
  • Use Credit Cards Wisely
    Credit cards, if used wisely, can be extremely handy and useful. By carrying a credit card you will eliminate the worry that comes with carry cash in regards to theft
  • Credit Cards versus Home Equity Loans
    If you own your home and pay a mortgage, you probably already know that there are certain income tax advantages for deductions such as interest payments made each month
  • Credit Cards and Teens: A good or a bad idea?
    Teens were described by one parent as “hormones in basketball shoes”. Indeed, teens can be wild and unpredictable.
  • A Low Credit Score Can Really Cost You!
    If you have a low credit score, well below the national average of 723 then that low score will cost you plenty over time. Loans will be difficult to obtain, but if approval is given you will pay a higher interest rate than someone with good credit. Think that a low credit score can’t hurt you? Well, it not only can it can make your life downright miserable.
  • A Visa Gift Card Is A Thoughtful Gift
    If you are considering giving a gift to a friend, neighbor, family member, or co-worker, then consider giving a gift card instead of a present. Gift cards allow recipients to choose the gift that befits them and in many cases the card can be used at many different locations, especially if it is a Visa gift card. Yes, the same company that offers credit card and debit card services and is accepted almost everywhere now offers a gift card that can be used all over.
  • Are All Credit Reports Truly Free?
    The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you.
  • Building Credit With No Credit
    One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating.
  • Find the Very Best Credit Card Offer
    Check your mailbox on any given day and you are likely to find one, two, three or more offers to get a credit card. Most offers on the surface look pretty good, but you’ll have to do some digging before you find one that is a real hit. Are you considering opening up a new credit card account? If so, let’s take a look at what makes a worthwhile offer for card seekers everywhere.
  • Home Equity Lines of Credit Provide Value and Convenience
    If you are considering doing any work on your home, then a home equity line of credit can provide the value and convenience you need to get the job done at the pace you determine. Indeed, with a ready reserve of cash to draw upon you can borrow as little or as much as you like up to the full amount of the line.
  • Accepting Credit Card Offers 101
    Certainly credit cards are of not much use to you in case you are having a good bank balance right now
  • Credit Repair Post Bankruptcy
    If you recently fired for bankruptcy and wonder if your credit can ever be restored, take heart: it can.

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