Archive for the 'Credit Checks' Category


December 14, 2013

A credit score is a representation of your past financial behavior. Banks and other financial institutions use this score as an indication of how you are likely to behave in the future. A bad credit score can mean you are more likely to be charged higher interest rates or be denied credit entirely by lending institutions, you may be unable to get car insurance, or even a cell phone plan.

Although it can seem daunting, it is not impossible to fix your credit score using these tips. Read the rest of this entry »


September 29, 2013

There are three key components in determining the cost of accepting credit cards for your business. Two of the costs are set rates: the interchange fee and the charge assessment fees. The third is the processing markup, which can be negotiated.

Issuing banks, through MasterCard and Visa, agree to charge the same interchange rates to businesses that accept credit cards. These fees include the percentage of the sale and a transaction fee. These rates cannot be negotiated for a reduced rate. Read the rest of this entry »


Credit card search engine Card Hub has released its 2013 picks for the best credit cards for travel, selecting nine credit cards for their merits in various categories, including Best Ongoing Rewards and Best Initial Bonus. Designed to take the guesswork out of selecting a credit card, the surveyors carefully reviewed the benefits and possible costs associated with choosing each credit card.

In terms of travel rewards, initial cashback bonus offers are up an estimated 34 percent, according to Card Hub. More and more cardholders are also cashing in on their rewards, with points and/or miles bonuses up by an estimated 14 percent for the first quarter in 2013. When selecting a travel credit card, Card Hub recommends thinking if you desire the initial reward of a first-time bonus or desire to have a travel credit card for the long haul and are comfortable with accruing points over time.

These factors can help guide your decisions if one of Card Hub’s top recommended cards are for you. Read the rest of this entry »


Most personal finance advice tries to steer you away from store credit cards. These cards come with low spending limits and charge very high interest – in excess of 25%, usually. There is a case to be made for them, though.

You could apply for credit card products at stores to take advantage of the discount that they come with, repay your debts responsibly and come away with a profit. Read the rest of this entry »


September 13, 2013

Capital One is one of the UK’s leading credit card companies, having been in operation for over 16 years. They offer a range of financial products, including credit cards for people with bad credit.  Capital One is a global company, with over forty million customers worldwide, and three million customers in the UK alone. They have won several awards for their products and services, including the Best Security or Anti-Fraud Development Award at the 2013 Card and Payment Awards, making Capital One a trusted credit card provider.

If you have been turned down by other credit card providers due to bad credit or a negative credit history, Capital One may be the solution for you. Read the rest of this entry »


Different Balance Transfer Offers

Author: GuestAuthor
September 10, 2013

When you are looking for a balance transfer offer, you may wonder where to start. This list of the best balance transfer offers of 2013 can help you get one of the best deals around.

Please note that these offers are subject to change. However, companies that are known for offering low rates and great transfer offers are likely to continue to give customers a good deal in the future. Read the rest of this entry »