Credit Card | Credit Card Guide - Articles, News and Resources on Credit Card

Credit Card Navigation



Apply For Credit Card Online
Best Credit Card Offer
Credit Card Instant Approval
Credit Card Machine
Credit Cards
Chase Manhattan Credit Card
Credit Card Services
Credit Card Fraud
Credit Cards
Credit Card Consolidate
Credit Card Applications
Business Credit Card Services
Credit Card Processing Software
_images
Credit Card Processing Software
Consolidation Credit Card
Credit Cards Offers
Credit Card Verification
Credit Card Instant Approval
_images
Credit Card Links

2005 Best Seller!

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

Best Credit Card 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 Credit Card resources

Credit Card

 

Welcome to Credit Card | Credit Card Guide

Credit Card 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

Credit Card News

Credit Card

LEXINGTON, KY (AP) - Six top officials at the Blue Grass Airport will no longer have credit cards issued by the board after it was revealed that three employees racked up $4,500 in charges at a Texas strip club. Board chairman Bernard Lovely told the ...

Read more

Ky. airport officials lose credit card privileges - Wave 3

NEW YORK, Jan 5 (Reuters) - Credit card network MasterCard Inc said on Monday it has acquired software provider Orbiscom Ltd for $100 million to enhance its payments processing system. The deal was built from a partnership between the companies that ...

Read more

UPDATE 2-MasterCard acquires software provider Orbiscom - Forbes

SAO PAULO, Brazil (AP) - Brazil 's stocks rose in early trading, with the Ibovespa stock index up 1.1 percent at 41,956 an hour into the session. Rising oil and metal prices Tuesday _ along with jumps in overseas stocks _ prompted the gains. Shares ...

Read more

Brazil stocks up in early trading - WTOP Radio

Health care continued to take up a greater share of the economy in 2007, as spending on hospitals, doctors and other services increased 6.1 percent to $2.2 trillion. Health costs in the U.S. are still on the rise, but at a slower rate, new research ...

Read more

Nation's Health Spending Rises, but Not So Much - ABC News

FREEPORT, Bahamas - Actor John Travolta and his wife, Kelly Preston, have returned to Florida with the remains of their 16-year-old son, Jett, who died at the family vacation home in Grand Bahama. The couple received an urn with his ashes and left ...

Read more

Travolta family returns to US from Bahamas with 16-year-old son's ... - Minneapolis Star Tribune

Credit-card late payments and charge- offs rose in November, according to Standard & Poor’s. Charge-offs increased to 6.7 percent, 44 percent more than in November 2007, S&P said in a Dec. 31 report. Payments more than 30 days late were at 5.1 ...

Read more

Credit-card delinquencies rising - Asbury Park Press

MEXICO CITY, Jan 6 (Reuters) - Two Mexican banks are launching programs to help consumers reduce credit card debt as a slowing economy threatens to worsen already ballooning loan defaults. After relaxed lending standards in recent years ...

Read more

Mexican banks move to avoid credit card defaults - Reuters

With all the doom and gloom over housing, you might be surprised to know that this is a fantastic time to get a mortgage. Not if you have poor credit, to be sure. But you can get a great deal on a 30-year, fixed-rate, conforming loan these days if ...

Read more

See today's average credit card rates across the country. - MSNBC

5) Subprime credit cards that have a $500 credit limit but a big upfront fee will have that fee capped at no more than 50% of the credit limit, and it can be paid off over a year, rather than immediately. For a more in-depth look, check out this post ...

Read more

3 New Credit Card Rules Got Chucked - Consumerist.com

Coastal Credit Solutions, Inc., an industry leader in consumer financial matchmaking has announced today that it has added a new service for businesses called, Business Cash Advance. Coastal’s Business Cash Advance program is a new and easy way for ...

Read more

 

Home | Partners | Site Map | Credit Directory