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Things to Consider Before You Apply for Credit Cards
By Morgan Hamilton
You may suddenly feel as though you have to make some real decisions when you reach 18 years of age. At this age you can freely decide to go off to college, stay out late, and spend your money in any Read more...

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How to Rack Up Valuable Points with Hotel Credit Cards
By Morgan Hamilton
A majority of credit card companies have introduced reward programs to convince consumers to choose their card over the competition. These companies have included hotel credit cards in the new Read more...
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It's your credit..what are you going to do to protect it?
By Chuck Lunsford
For anyone who has, has had and wants to avoid being had, this series of articles reflects years of continuing research. I'll discuss the worse that can ever happen to people thrown into credit Read more...
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Paying Yourself with Rewards Credit Cards
By Morgan Hamilton
The constant competition for business among major credit card companies has initiated the creation of reward programs. Rewards credit cards are just one of the factors that make credit card companies Read more...

The promise to pay in the future in order to buy or borrow in the present. The right to defer payment of debt.

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A Couple of Ways to Get the Best from Your Credit Cards This Christmas
By Stephen Morgan
“‘tis the Season to be jolly, with a Hey Nonny no” and much slapping of the thighs etc and all that humbug – I know this makes me sound like a cross between Dickens’s Scrooge and a grumpy old man but I have just finished wading through a whole raft of sales promotion material from a series of Credit Card Companies and it really does beggar belief at times.

OK so they are having hard time of it at the moment – no everything is relative, being unemployed and homeless is having a hard time, a downturn in the profitability of the Credit Card Companies is long overdue.

All of the false bonhomie and good cheer of the leaflets got me to thinking that they are really being disingenuous at best and two faced at worst. Basically the issue boils down to the fact that they are really now paranoid about the whole issue of Identity Theft and the knock on effect it will have on our welfare.

Not too sure about this. Yes Identity theft is not good and we could all do without being infected by this the latest in growth industries but what the Credit Card Companies are really worried about is being caught “holding the baby so to speak” and having the “cough up the money” when we realise how we have been ripped off and it wasn’t us that used the card in the first place, it was a representative from the local underworld trying to purchase a present online for Mum for Christmas!

This

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Federal Judge Orders Release Of 5 Algerian Terror Suspects (AHN)
(AHN) - A federal judge ordered Thursday the immediate release of five Algerian terror suspects detained at the Guantanamo Bay prison because the source of evidence against them was not credible. - Thu, 20 Nov 2008 18:15:10 GMT
Late Sell Off Sends Wall Street Even Lower (AHN)
(AHN) - Another end of day sell off sent the major indices to fresh multi-year lows for a second consecutive session. The S&P 500 closed at levels not seen since April 1997. - Thu, 20 Nov 2008 17:14:18 GMT
Alaska Sen. Ted Stevens Thanks Colleagues In Last Senate Speech (AHN)
(AHN) - Sen. Ted Stevens (R-AK) on Thursday spoke for the last time on the floor of the chamber he had worked in for the last four decades, saying he bore no ill-will to any of his colleagues and expressing hope that the day would come when he can "remove the cloud that surrounds" him. - Thu, 20 Nov 2008 14:08:19 GMT
Gallup Poll: 57 Percent Of Americans Support Hillary As Secretary Of State (AHN)
(AHN) - Majority of Americans support President-elect Barack Obama naming Sen. Hillary Clinton (D-NY) as secretary of State, the latest Gallup poll said on Thursday. - Thu, 20 Nov 2008 14:07:54 GMT
Rep. Pete Sessions Elected Chair Of National Republican Congressional Campaign Committee (AHN)
(AHN) - House Republicans on Wednesday elected Rep. Pete Sessions (R-TX) to succeed Rep. Tom Cole (R-OK) as chair of the National Republican Congressional Campaign Committee. - Thu, 20 Nov 2008 13:17:03 GMT
U.S. Weekly Initial Jobless Claims Jump Again To 16-Year High (AHN)
(AHN) - U.S. weekly initial jobless claims for insurance increased by 27,000 to 542,000, reaching a 16-year high, during the week ending November 15, according to the data released by the Labor Department on Thursday. - Thu, 20 Nov 2008 12:30:24 GMT
Longest-Serving Congressman Loses Bid To Keep Key Committee Chairmanship (AHN)
(AHN) - A day after gaining the support of a House leadership panel, Rep. Henry Waxman (D-CA) narrowly won the chairmanship of the House Energy and Commerce Committee against the longest-serving member of the House. - Thu, 20 Nov 2008 12:25:54 GMT
HUD Officials Say Mortgage Assistance Program Failed To Provide Help To Those In Need (AHN)
(AHN) - Housing and Urban Development Secretary Steve Preston admitted on Thursday government and private efforts to help troubled homeowners are not hitting their targets as more houses continue to be foreclosed. - Thu, 20 Nov 2008 11:54:48 GMT

got me to thinking about real ways to look after your Plastic this Christmas and ways to ensure how they really work for you and not someone else.

First of all check on the fine print of your statements to ensure that small charges or worse, large charges aren’t able to be slipped in without you noticing “in lieu of” increased membership fees etc.

Secondly, unless you find yourself totally cash strapped and without any other means of funding the next few hours till the local Bank opens or you get home then do not ever use your Credit Card to withdraw cash.

These happy chaps will rob you blind as soon as look at you if you withdraw cash using your Credit Cards. Sky High interest rates here we come but you can also forfeit interest free periods and also suffer punitive withdrawal fees as well.

Thirdly, shop around for the best rates possible as these boys are going to be bringing in even more ridiculous rates soon mark my word. With Base rates rising, the Card suppliers are going to try and push their minimum APR to the region around 16% as soon as they think they can get away with it.

Their excuse? Well Central Bank rates are rising and here in the UK the base rate has just risen to 5% so they feel they have to respond. Well nice work if you can get it. Base Rate 5%, Credit Card Rates 16%, you go figure who is having hard time of it?
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All Headline News - Breaking News
The latest top breaking news, U.S., world, business, politics, entertainment, celebrities, sports, technology, and more.Federal Judge Orders Release Of 5 Algerian Terror Suspects (AHN)
(AHN) - A federal judge ordered Thursday the immediate release of five Algerian terror suspects detained at the Guantanamo Bay prison because the source of evidence against them was not credible. - Thu, 20 Nov 2008 18:15:10 GMT

     
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