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Know more about the history of Credit cards
Credit cards that we use today have been all around for over half a century. The first credit card appeared in the year 1951 when some of the loan customers of the Franklin National Bank of New York were screened for credit and those who were approved were given a card to make credit purchases. The merchants who participated copied the customer information from the card to the sales slip and then the bank credited the merchant account for the loan.Later, in the year 1958, The American Express Company began to issue a charge card for travel and entertainment charges which was accepted at the ...

Credit card - Advantages and disadvantages
A credit card can be an asset to your lifestyle, but if not handled carefully it can become a liability, especially if you find it so convenient and easy to use that you lose control of your spending.This short guide will help you understand how you can use your credit card so it works to your advantage, not against you.AdvantagesA credit card can:1.Offer free use of funds, provided you always pay your balance in full, on time.2. Be more convenient to carry than cash.3.Help you establish a good credit history. 4.Provide a convenient payment method for purchases made on the ...

With No Annual Fees Credit Card: It Is Freedom For Life
When the direct sales agent comes to offer you the credit card, without any transaction fee you are always happy to put that card in your wallet. But it may also happen that at the end of the year after the card has completed one year and when you receive the bill for annual fees on the credit card you may rue the decision of having the credit card. It had been observed by the credit card industry that most of the credit cards underwent mortality within a year of being issued, as the users were not ready to pay the annual fee of the credit card.The way out was No annual fee credit card. The ...

Advice On Getting A Credit Card Application
Credit card services are among the widely used services today. More and more people are applying for these services. For most people, credit cards are just like money, but actually it's not. If you're one of them, it is advisable for you to rethink about getting a credit card application. You're just going to drown yourself in a lot of debt. Yes, you may be able to buy stuffs you think you need without feeling the guilt. However, when your credit card bills arrive, you'll still feel that massive impact of guilt and regret. "I shouldn't have bought this and that?", this is what most people sa...

How To Deal With Credit Card Offers
In this day and age, plastic rules, not just because of convenience and safety features but also because of the opportunities for rewards and rebates that many competitive credit card companies offer. You no longer have to look too hard for credit card offers because they will find you. The only question is how to pick one that will give you the best deal. If this is your current dilemma, here are some simple tips to help you narrow down your choice:Never go random.When there are so many credit card offers out there that seem to offer the same things, it can be tempting to just sign up for ...

Having Fun with a MOBILE CASINO SOUTH AFRICA
The best part about the right MOBILE CASINO SOUTH AFRICA is that you can have fun regardless if you decide to involve real money into the game or if you just want to play the demo versions. An interesting fact that you might want to know about a proper FREE ONLINE CASINO is the fact that you will have the opportunity to place bets even if you have not made any deposits to your account just yet. That is due to the fact that these online casinos offer their customers a sign up bonus.This particular bonus can be used to place your first actual bet and even win cash prizes. Some people will tell y...

Loaded And Ready To Buy: What Prepaid Credit Cards Are And How They Work
Have you been burned by too much credit card debt lately? Too scared of credit? Had enough of credit card bills? If plastic was a way of life for you and you're thinking of looking for a good alternative that is as convenient and easy to use, then a prepaid credit card is the perfect choice.What are prepaid credit cards?If you've used a prepaid phone card or sim card before, then you already have a basic idea of how a prepaid credit card works. You just need to 'load' it with money and then use it as you would any regular credit card. It can be used to pay your purchases at any store and is...

After You Apply for a No Credit Credit Card, Use It Wisely: Here?s How
When you are first establishing your credit, you can make a huge difference in the quality of your credit report with some seemingly insignificant actions. Your credit report contains information that is used to create your credit score. Companies use your credit score to decide if you qualify for loans, lines of credit, and other conveniences. It is also used to determine how high your interest rate is for these items. So use your first credit card wisely to save yourself headaches in the future. Here?s how:·Always pay your bills on time. You have probably heard this before, but di...

Obtaining A Credit Card - With A Less Than Perfect Credit History
If you have had difficulty keeping up with your bills, you can rest assured you are not alone. Many people have run into trouble or a shortage of cash flow from time to time that has resulted in the inability to make all of their payments in full and on time. However, just because you don?t have a perfect credit history does not necessarily mean that you will be unable to obtain a credit card. It?s no surprise that a person with a low credit score will have more difficulty and less options when trying to get a credit card in their name, but it is not completely impossible because creditors do ...

Put Your Expenses on Right Track ? Credit Card Debt Management
Credit card the well known name for plastic money allows you to spend more than you have and pay later for them. This property makes it the most widely used form of debt. But there is a very big disadvantage that people in ignorance spend larger amounts and when the time for repayment along with the interest arises than they are short of money. At that time you again take debts to make repayments. The process goes on and the trap of debts surrounds you. Credit card debt management can help you in controlling your expenses in a much better way.Credit card debt management in simple words is ho...

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