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Ajeet Khurana's Articles in Credit Card

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0% Apr Credit Cards And How They Work A major part of considering any credit card is the interest rate. Interest rates are really high on credit cards, which is what you pay for the convenience of using someone else's money. Most of us find the interest annoying, but not enough to deter us from using our credit cards. So, what if you came upon a 0% interest credit card, would you think that it was too good to be true? Think again! These credit cards really do exist! In fact, there is likely one of these ... Understanding A Credit Card Balance Transfer Have you recently received an offer for a credit card balance transfer and you are wondering what it is all about and if it if something that you should consider? Most of us have heard of a credit card balance transfer but they are not too sure what it is and if it is something that they can take advantage of. The fact is, if you have some outstanding balances with credit card companies out there you may want to consider taking advantage of one of these opportunities. ... The Importance Of Comparing Credit Card Offers When you receive two credit card offers in the mail do you simply assume that they are exactly the same, neither one offering anything more or less than the other? If this is what you assume you are likely paying too much interest on any credit cards that you have and you may also not be taking advantage of all of the features that are available to consumers through their credit card companies. Why You Should Compare Credit Cards Consumers should not assume that all cr... The Secret To 0% Balance Transfers On Credit Cards After the holidays you may start to receive all of your credit card statements and realize that there is no way that you will be able to pay everything off the way you need to. Soon enough the calls will start rolling in from the credit card companies asking where their money is. You can avoid all of this if you start taking advantage of the 0% balance transfer credit cards that are out there and yours for the taking. Many consumers feel like they must be missing out o... How About A Just In Case Line Of Credit Eastern philosophy says that when divinity creates challenges, it first creates a solution to that problem. Somehow modern financial thought is likewise. There are many financial challenges that one faces, but luckily there are solutions to that problem. For instance, you might go weak and over extend your credit far beyond repair. That is where bankruptcy proceedings can be the way out. Not a pretty way out, but a way out nonetheless. Then again there might be need to tem... Credit Cards For Christmas Joy Sometimes I think that they should not be called credit cards. I think that more appropriate nomenclature would be convenience cards or lifestyle cards. Because credit cards do tend to have a lifestyle altering effect. Without doubt credit cards come in handy at times when you have to suddenly expend above average money. That is where a common application of credit cards is in the form of Christmas shopping. When you are trying to spread that holiday cheer, it sure helps w... 0% Credit Cards: Are They The Real Deal? Whenever I hear the number 0%, I hope that it refers to the interest rate I have to pay and not the interest rate that I have to earn. There are many different credit card offers out there, and of course when you see the 0% it seems like it would be the best option. But, when you sit and think about it you might wonder why one credit card would be 0% and the other would be 26%, what's the catch? It is not that the issuer is out to scam you. But you still need to look close... Credit Cards And Your Happy Life Credits Cards have greatly changed the way that we all do business. Shopping both online and offline has become exponentially easier through the intelligent use of credit cards. This only works under the right circumstances though, since reckless credit card use can easily ring up quite a debt that may be very difficult to pay back. The best aspect of credit cards is obviously the way that they can make your life easier. Travel has been made much easier through the develop... The Many Benefits Of The Prepaid Credit Card You can think of a prepaid credit card as a loaded gift card that is good just about anywhere. The functionality of a prepaid credit card is really quite simple. It acts just like a normal credit card except it has a limit to it. Once you load up your card, it will be good anywhere the brand is accepted. Each purchase will deduct from the overall total until you finally run the card out. Some prepaid cards are able to just be reloaded, but others will just be used up. In ... Choosing The Best Credit Card For The Purpose Most of us will assert that the simple act of possessing a credit card can make a person feel a lot more independent than other things. The truth is you need to be extremely cautious when applying for a credit card, as it is a complex web of fees, charges, and interest rates (not to mention hidden clauses and terms which are not only illegal but also financially dangerous) which can sink you deep in debt. Apply for a credit card only if you are sure that you will be a... When Credit Card Balance Transfer Is For You My friends and I were once discussing how difficult it was becoming to stay on schedule with our credit card bills. There are the monthly insurance premiums, mortgages and car loans to think of, and we were not sure if our salaries (combined with our respective husbands' salaries) could take any more load. A balance transfer was at the back of my mind, but I did not have enough knowledge about it to even have the courage to bring up the topic. But I was fortunate to have ... Hop, Skip, And Jump From One Card To Another In the world of today, the purchasing power of plastic is winning out over the age old strength of cash. And that is not surprising at all. After all, credit cards are easy to carry and use. Moreover, they are accepted all over the world. Add to this some of the other advantages that come with the credit card. The incentives available on rewards credit cards are among them. Rewards credit cards are the new kids on the credit card block and the demand for them keeps increas... Give An Asset And Take A Loan Credit cards have certainly become a necessity in this millennium. Walk into any store and you will find the sign, "We accept credit cards", hanging at the door. Moreover, people in general are increasingly going the credit card way when they have to pay a variety of bills. In the old days, if someone wanted to buy a product on credit, some sellers made it a point to ask for security. This was the way in which they reassured themselves that the buyer would pay for the wares. ... Payment Delays Lead To Higher Payments There are credit cards and there are credit cards and then there are credit cards. In today's world, credit cards are used for not just shopping but also for online trading, easy airline and movie ticket bookings. In the electronically connected, Internet-based world, we can make reservations right from the comfort of our home. Now, while talking about the credit card payments, one has the option of clearing the entire outstanding in a single payment or carrying it over to th... Swipe And Shop Or Fly Off To A Holiday In the world of today, we are increasingly making use of credit cards to make our purchases. Apart from the benefit of not having to carry any cash, credit card holders can delay credit repayments depending on their convenience. Most people, while applying for a credit card, discuss the rewards it offers when they are searching for a good deal. There are people who carry multiple cards because some can be used internationally, while some offer more benefits than others. Every... Get A Credit Card With That Bonus We are certainly being swamped by all kinds of credit cards. We may be hearing about the rise in credit card related crimes. However, at the same time, we cannot help but notice the way in which the demand for credit cards is not falling. People from all walks of life are applying for more and more credit cards. That is the way it is People with more money have much to gain and little to lose by applying for and securing multiple credit cards. Of course, it becomes difficult ... Plastic Is No Longer A Luxury Luxury was the word that we once linked with credit cards. However, in today's world, they are on their way to becoming a necessity. In the past, credit cards used to be flaunted by the people who carried them. They indicated one's financial status. But the situation is very different now. With everyone owning multiple credit cards, credit card holders are no longer an exception. They are fast becoming the rule. Moreover, credit cards are no longer looked upon as temptresses ... Increasing Our Credit Card Points We have all learned to love credit cards that offer rewards. They encourage us to make use of our credit cards. For those of us who continue to be wary of the whole credit card business, things like cash back credit cards are a great way to be initiated into the world of credit card users. It has become quite an open system. In fact, if one can uses a credit card carefully, while keeping tabs on all the cash that comes in and goes out, one could get a fine idea of what the ne... Credit Cards Go Gimmicky Credit card vendors have always been trying to get more customers. There is such great competition in the credit card markets that these companies are left with no choice. There seem to be too many credit card providers, each of whom is offering scores of terrific credit card offers. Too much competition among the vendors results in the customer becoming the king. Thus, we have a wide variety of credit cards that offer us various kinds of incentives. There are cash back credi... Dissecting Credit Card Offers I am always more than a little skeptical about signs that shout out "Zero Percent Interest" or "Flat Fifty Percent Off". The only thought that runs through my mind at those times is: "Where is the catch?" There usually is a catch. The question is: Does the catch overpower the benefits? That is the question that I ask myself just before I buy a new credit card or enter a sale. I usually find that the catch is somewhat insignificant when you compare it with the bigger picture. ... A Credit Card For The Honeymoon Couple It is so easy to recognize newly married couples. Even the ones that do not walk around like Siamese twins have a twinkle in their eyes and a glow on their faces that gives them away. Of course, once the honeymoon period is over, the issues of daily life have to be dealt with. Long hours at the office. Coming home to wash dirty utensils or cooking. Paying the monthly bills. Marriage is not like permanently being on cloud number nine! It has its ups, but it also has an equal n... Compare Credit Cards Before Deciding On One I often find myself wondering how we managed for so many years without credit cards. Today, while you can get away, or, get by, without having one, there is a lot you will not be able to do if you do not have one. Just having one is not the only thing that matters. You need to have the card that is the best choice for you. What this means is that you are going to have to do comparison shopping of several credit cards before you decide on the one that is right for you. All you...

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