| |
| |
|
Credit Information |
|
|
|
SuperCharged Secret 4, Credit Card Utopia
YOU SCRATCH MY BACK, AND I'LL BUY SOME MORE BEER! Let's just take a brief moment to recap: If you've been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things: With me? Good. These are all essential foundations that you need to follow in order to live in Credit-Card Utopia with me. In fact, you would think that there's not much more that can be done. Side note: I hope you are realizing the power of this information. It may seem simple, but are you doing it? No. So, be smart. Study this information, reflect on these insights, and move forward with them so you can truly benefit from this secret knowledge. On to Secret, #4: 1) It's very important that Utopians cover all bases, and leave no one behind. The 3 secrets we've covered, really deal with those of us who have fairly good credit. Now, if you don't have "good" credit, please don't discard these prior ideas. I didn't have "good credit" once. Who cares? How many people, small businesses, corporations, and large industrial countries, have said the exact same thing? 2) So, don't feel left out. Move towards Credit Card Utopia as a goal to move you into action. Our website (and many other fine websites around the internet) can provide you with many, many resources to work on your debt issues, or your credit score issues, or whatever. You might be surprised how FAST you can go from point A to point B. (Here's a tip: Don't waste time. Find assistance. Don't go at it alone.) 3) Getting back on track: Want a zero interest credit offer? Want a low-interest, no annual fee, incentive-based offer? Well, if you're struggling with credit or debt, then the first step is to tackle this issue from a different point of view. Give up on Visa®, MasterCard®, and AMEX®?At least the "unsecured" kind, and at least for now. There's nothing wrong with applying, and trying, but if you've been turned down, there are other ways to go. 4) Secret #4, revealed in an analogy: Do you live in a small town? If you do, you might have a small-town pub. Does everybody know your name? Does the bartender know you, and know the drink you like? Do you go into your pub after work, and down a stiff one, after a long day of working in the coal mines? Maybe it isn't payday yet. Do you think the bartender cares? Of course not! He wants you coming in so he can move his inventory of fine beers and spirits. He knows you. So, what does he do? Let's say this is the 1800s, and there's no such thing as "credit cards" amongst our meager coal-working small town clan. What does he do? Right! He runs you a tab. No interest rates, no worries, no big deal. He runs a tab. Why? Because he knows you're good for it, and he's moving inventory. He doesn't care about the interest, because he's making a profit off the sale of his beer. He knows where you live, and he knows you'll pay him back in a few days when you come in for a drink after you get paid. It's a virtual certainty. Now YOU, the small-town beer drinking coal worker, you're perfectly fine with this. The drink costs you the same whether you had cash now or later, and the bartender runs you a tab, in exchange for selling you more inventory. Everyone works together. You scratch my back, and I'll buy some more beer. 5) This concept of free "credit" provided to purchase inventory, is not a new concept. As you can see, it's been around for a long, long time. However, in modern times, it has tremendous application for folks with "poor" credit issues. The secret is that you buy merchandise (On stuff you already need, or are already buying) almost exclusively from merchants willing to give you credit at low to no interest. So, while you think you are in a tough position with credit issues, you actually turn it around, and allow it to become consumer buying power. Only shop with merchants that scratch your back. With me? 6) Now, where do you find these merchants? Well, in the real brick and mortar world, it's not that hard. You can start with department stores, gas cards, furniture outlets, electronics stores, jewelers, and a variety of other stores that you may do business with. I can't guarantee, of course, that they'll approve you. But many of these merchants run their credit departments in-house, and like our bartender, they're interested in moving inventory. So, I wouldn't take one "no" to mean that everyone will say "no". Not true. Many of the larger corporate chains do not offer low to no interest rates. But almost ALL of them offer huge discounts on initial purchases as incentives to get started. As of the writing of this article, for example, JCPenney® and Target® both offer 10% discounts on "new accounts". In addition, most of them do offer zero interest when balances are paid off each month, and some of them offer different plans to meet different customer's credit situations. Also, look to no-interest incentive specials that are going on for many larger-ticket items. Televisions, Furniture, etc. You'll also find many deferred-payment incentives that you can use to your advantage, or that you can utilize as a no-interest situation. You just have to shop around. They are out there. 7) Now, what about cyber-space? Is there a place to take advantage of this back-scratching secret in Silicon? Actually, YES! There is. Check this out: Many shopping portals online have realized the advantage of working with "poor" credit customers, and tailor-making a shopping experience that fits these specialized needs. We've listed several at our website, but of course, you can find them at any search-engine or at other reputable websites around the internet. In a nutshell, the shopping website offers a membership card for making purchases on credit. You go to the online mall, make your purchases for things you would already buy anyway, and build or rebuild your credit score. The shopping portal helps you out by reporting your credit activity to the major credit reporting bureaus, which in turn, improves your credit history. In addition, the membership benefits often times include such things as travel discounts, rental car discounts, and FREE credit reports. They almost always advertise guaranteed credit lines of up to $7500, and incentives for joining can include free merchandise (such as a free DVD player), or a merchandise voucher. Look for 30 day money-back guarantees, and look for no annual fees, and yes, look for "NO INTEREST" on the credit. Most of these sites will require an upfront membership fee, but then they immediately turn around and provide a merchandise voucher. For example, one portal charges $150 for the upfront membership fee, but then immediately provides a voucher of $200 for merchandise at their site. Because their customers generally have a history of poor credit, they do sometimes require an initial payment, or "down payment" on purchases until a relationship is established, but hey listen. So what? If you have credit issues, then you have to start rebuilding credit relationships somewhere. It sure beats Layaway! What a creative way to solve this problem. Everybody wins. You scratch my back, and I'll buy some more beer! Meanwhile, you're moving closer and closer to the pearly gates of Credit Card Utopia! We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense. Publisher's Directions: This article may be freely distributed so long as the copyright, author's information, disclaimer, and an active link (where possible) are included. Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site. About The Author Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom's website here: http://loanresource.org, or you can email Tom at info@loanresource.org.
MORE RESOURCES:
Credit - Google News |
|
|
|
RELATED ARTICLES
Credit Cards and How To Choose Them: It may seem like a simple question but its important to take into account a few factors when choosing your credit card. If you are in the enviable position of being able to pay off your card every month then you are amongst the few. Getting Married? What Are The Finance and Credit Implications? There is a big difference between looking after your own finances while living alone, or with parents, and living with a partner. The transition can be very difficult, especially if both partners are strongly independent, or one partner is financially weak and the other strong. FREE Credit Report Offer - Careful, It Might Carry Hidden Charges FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?Don't worry about their finances. A Debt Mentality While working through my own debt situation, and helping others resolve their life issues regarding debt and credit, it never ceases to amaze me how similar the life stories are and how profound is the effect of debt on the way a person thinks about life, irregardless of how much money they have or don't have.I remember being in junior high school hearing my father say something to the effect of "you only have as much money as you have credit. Building Good Business Credit After Bad Credit Can you establish good business credit if you have bad personal credit? The answer is yes.. Credit Suicide Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". Warning: Free Credit Report Imposter Websites Springing Up on the Web A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last December in the West and will finally be nationwide by 1 September. 10 Ways To Boost Your Credit Score 1. Deleting Errors in 48 HoursThis is the absolute fastest way to correct errors on your credit report and raise your credit score. All You Wanted to Know of Bad Credit Martin Henderson is in a fix these days. Because of his failure to repay a loan he had taken a few years back, he has been adjudged as a bad credit case. Identity Theft - How Can You Prevent It Happening to You? The nightmare of identity theft strikes an estimated 750,000 people every year. How can you keep from being one of them? While there is no guarantee that you won't become a victim, there are some steps you can take to decrease the risk and protect yourself. Good vs. Bad Credit Debt Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation. What Are The Most Common Credit Card Mistakes? Now in a world with so many easy to get credit cards it can be easy for someone who is a first time credit card holder, or even someone who has several credit cards in the past to make mistakes when using the card.One of the most common mistakes when using credit cards is to use the credit card to make purchases of things you are not really able to afford. 5 Things Your Credit Card Company Keeps Quiet About Credit Cards can bankrupt you if you let them run away from you. The various Credit Cards companies are in it for profit so they will not generally alert you to things you can do to save yourself money. Winning The Credit Game! Everywhere we go, the word credit can be found, shining huge dollar signs in front of our very eyes. Everyday we receive solicitation and promotions offering us credit. Avoiding College Credit Card Traps Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus. Searching For A Low Interest Credit Card? These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Building Your Credit History Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. Saving Money with Credit Cards Having a credit card is a wonderful convenience for those times when you don't have immediate access to your cash. It can allow you to purchase something on time for which you can pay later, thereby giving you the ability to afford something NOW that you'd have had to save for later. Student Credit Cards 101 Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Small Business Credit Cards So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn't an option because it can make or break your business. Things to look for are low interest rates and good customer service.
|
| Good Credit Loans | home | site map | School Bus Clothing | Florida Pool Heating |
| © 2006 |
