Credit Card | Credit Card Guide - Best Credit Card Deals Section

Best Credit Card Deals Navigation



Credit Card Bankruptcy
Credit Card Fraud
Online Credit Card Payments
Credit Card Processing
Consolidate Credit Card Debt
Cash Back Credit Card
Credit Card Offer
Dir
Student Visa Credit Card
Credit Cards Offers
Credit Card Processing Small Business
One Credit Card
Credit Cards Online
Credit Card Application
Best Credit Card Offer
Credit Card Machine
Interest Credit Card
Credit Card Comparisons
Accept Credit Card
Credit Card Discover


2005 Best Seller!

Do You Have Bad Credit? Don't give up!!
Buy it now


Best Best Credit Card Deals products

Access Loan.
15,000 Cash Loan - Even With Credit Problems.

Everything You Know Is Wrong!
About Being Debt Free That Is! And it will keep you in debt the rest of your life!

Bad Credit Personal Loan Source.
Bad credit personal loans regardless of bad credit - up to $25,000. Affiliates Earn 60%

CreditHistory.org - Credit & Debt Files.
Cash In On The Vast Credit Market.

What Uncle Sam Doesn't Want You To Know!
Find your unclaimed money that the government is holding. $10 billion in unclaimed money is waiting for you.

Guaranteed Bad Credit Financing.
Receive a loan or credit card even with bankruptcy!

Newsletter


Email:
Name:


Main Best Credit Card Deals sponsors

Best Credit Card Deals

 

Welcome to Credit Card | Credit Card Guide

Best Credit Card Deals Article

Alternatives to Credit Cards that You need to Know
Gordon Goh

Are you one of those people who only ever got a credit card for the convenience of being able to pay without cash, or because you weren't aware of any other easy way to borrow money? Millions of us are, thanks to the unavoidable advertising of the credit card industry, and few people realise just how many alternatives to credit cards there are. Let's take a look at a few.

Debit Cards.

Debit cards are often used in many European countries, but are relatively unheard of elsewhere. Basically, they're just like credit cards and are accepted everywhere credit cards are accepted - the only difference is that they take any money you spend directly from your bank account, instead of you getting a bill at the end of the month. You should be aware, though, that you aren't as well-protected from fraud with a debit card as you would be with a credit card.

Pre-Paid Credit Cards.

These are cards that work just like credit cards, except that you can't have a negative balance - you have to put money on the card before you can spend it. That means that you 'top-up' the card, like you would a mobile phone. This is good if you want to know how much you're spending, not to mention that you can even give the cards to children. They're also safer than debit cards, since someone who stole the card could only spend whatever money was on it at the time.

Bank Overdrafts.

A good bank overdraft, used together with a credit card, can be a far better way of borrowing money than using a credit card. Your overdraft limit is set by the bank according to how much you gets paid into your account each month, and you don't need to pay it off until you want to.

Basically, it just gives your account the facility to go into minus numbers, if you want it to. Many banks charge relatively high interest rates for overdrafts, but rarely as high as a credit card - and they will give much better rates for good customers.

Real Loans.

When you're buying one big thing at a fixed price (like a car), or you're going to spend all the money on one type of thing (home improvements, for example), it's worth budgeting it all out and going to a bank or another loan company. They'll be able to lend you the money at a much better rate than a credit card would, simply because they know why you're taking the loan and can set regular monthly payments for you to repay it.

Credit Unions.

Credit unions are like banks, only more local. They are co-operative, owned by their members and run by the community, and are a great place to borrow money. This is because there are limits in law on how much interest credit unions can charge, and they don't need to make a profit for owners or shareholders, because they don't have any. It's well worth checking if there's one in your area.
About the Author

Gordon Goh is the owner of credit-card-guide.com" target="_blank">Easy Credit Card Guide.com offering free credit card information for everyone. You can receive a guide.com" target="_blank">free credit card at http://www.easy-credt-card-guide.com and free Credit Debt Repair Guide at http://credit-debt-repair.cogia.net




Best Credit Card Deals News

best credit card deals

Not only did some of the Red Wings get to visit with the King of Sweden recently, now the whole team gets to visit President Bush in the White House -- again. It's just one of the perks of winning the Stanley Cup, something they last did in 2002 ...

Read more


This week's best bets: Wings head to the White House, NFL trade ... - Detroit Free Press

By now, rows of houses should have replaced the bales of hay on the 700-acre Goodnight Ranch 10 miles south of downtown Austin. But more than two years after the city approved the 3,500-home development, construction has yet to disturb the pasture ...

Read more


Credit crunch squeezes Central Texas home starts - Austin American-Statesman

Credit may be tight -- but it's still out there. That's the message area lenders say they're trying to spread in light of the financial meltdown on Wall Street, which has wreaked havoc on consumer confidence. "All the major institutions are still ...

Read more


Local lenders: We're still here - Sandusky Register

For more than 14 years, Michigan State University has given credit card companies the addresses and phone numbers of its students, faculty, staff and alumni as part of agreements granting those banks exclusive rights to market MSU-branded credit ...

Read more


MSU, bank credit card partnership under fire - Lansing State Journal

Bright: I will probably defer to the experts out there. They say that when you fight a recession, you do so by some type of financial injection, a stimulus, into the local economy. I would defer to the ex­perts' opinions on that. I think it has ...

Read more


Congressional hopefuls discuss the economy - Montgomery Advertiser

WESTMORELAND COUNTY, Pa. - The current financial crisis is affecting Americans everywhere, and southwestern Pennsylvania is no exception, making borrowing money not nearly as easy as it used to be. Watch Part 1 of Jen Miele's Report Dan and Cheri ...

Read more


Current Financial Crisis Making It Hard To Get A Loan - MSNBC

Banks, building societies and credit card companies are becoming far more picky about who they will lend money to – they often offer their best deals only to those with a squeaky clean credit history. Like the judges in the BBC's Strictly ...

Read more


Ten ways to improve your credit rating - Daily Telegraph

As Gordon Brown patted himself on the back for saving the British banking system last week, Neil Parkin stood in the chilly wind outside his bungalow near Barnstaple in Devon and wondered who was going to save him. Parkin is the human face of a ...

Read more


Gordon Brown gambles it all on rescue plan - Times Online

The credit crisis and sagging economy shaking up Wall Street and Main Street also loom large over big-time professional sports. Commissioner Roger Goodell said last week that the NFL is "feeling the pinch." The NBA recently eliminated 50 league jobs ...

Read more


Local sports executives tackle new business climate - WFAA

The lower the minimum payment due on a credit card, the lower the actual repayment people make, according to new research. A study by the University of Warwick reveals the presence of a minimum repayment level acts to reduce how much people pay back ...

Read more


Home | PartnersSite Map | Credit Directory