Best Credit Cards
Lowest APR Credit Cards
Balance Transfers Cards
Bad Credit Cards
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| Purchases APR | 7.9% |
| Annual Fee | $0 |
| Balance Transfers APR | 7.9% |
| Balance Transfers Fee | $0 |
| Credit Limit | $500–$20,000 |
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| Purchases APR | 19.55% |
| Annual Fee | $0 |
| Balance Transfers APR | 19.55% |
| Balance Transfers Fee | n/a |
| Credit Limit | $300–$3,000 |
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| Purchases APR | 8.99% |
| Annual Fee | $0 |
| Balance Transfers APR | 8.99% |
| Balance Transfers Fee | 3% ($5 min, $99 max) |
| Credit Limit | $1,000–n/a |
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| Purchases APR | 9.9%11 |
| Annual Fee | $48 |
| Balance Transfers APR | n/a |
| Balance Transfers Fee | n/a |
| Credit Limit | – |
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Articles on Credit Subjects
Secrets of Credit Companies
[Friday, August 22, 2008]

You can hardly ever find any cardholder that wouldn't be confused after any cash withdrawal or making purchases abroad. Foreign transactions turn to be rather costly. On the one hand this is obvious - except for the bank commission they charge an expensive conversion. But this is not the only reason.
Several months ago sensation law process started in California. The largest payment systems in the world - VISA International and MasterCard - are being investigated by American justice. The regular consumers - citizens of California asserted a claim.
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Credit Reality
[Friday, August 15, 2008]

According to USA Federal Reserve data more than 40% of American families spend more money than they make. In average each American spends $1.2 for every $1 he makes. Non-circulating debt (for example, a car loan) accounts for 63% of these borrowings. Speaking of circulating (constantly paid off by credit cards) debt, its growth is really swift. Five years ago this index was 1/3 smaller; 10 years ago it was twice as smaller. Today an average American owns 2,7 bank credit cards, 3,8 retail credit cards and 1,1 debit cards - in all 7,6 plastics per person.
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Challenge of Credit Cards
[Friday, August 08, 2008]

It was in bad repute to have a debt till the XX century. Debt was considered to be a sin among Puritans and Quakers, who were the most powerful social strata at the time. It was a tradition to step into a New Year being free from debts. Today it can't ruin your reputation to have a debt. Everything has turned to be the opposite. Owning a debt and making regular payments makes you the most respected and desired consumer. Credit companies can trust you. But it may have an unexpected effect - even if you have a considerable income but have no credit, issuing companies will not give you a card.
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Credit Newsroom
Credit Crisis
[05:23:25 AM Monday, August 25, 2008]
It's not a secret that most part of American population lives on tick. Thousands of new credit cards are issued every day. Home and car purchase is a good source of economic development. When customers face some obstacles to purchase, the economy goes down. The catastrophic effects of that are obvious. The Federal Reserve report states that a credit crisis on real estate market reached its high causing harmful consequences on the economy of the country. Some estimates show that the crunch will not go out of control.
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Credit Fraud Types
[06:27:55 AM Thursday, August 21, 2008]
Credit fraud is a problem that around 25 million of US citizens have to do with every year, according to statistics. Credit fraud includes fraud with plastics of any kind:
Identity theft (unauthorized use of your personal information),
Credit card theft (making purchases on the stolen card until it is cancelled),
Credit scam (coming in the form of pre-approved credit card applications, making you pay upfront fee),
Online credit fraud,
Skimming (illegal identity theft by employees).
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Credit for Housewives
[03:53:09 AM Monday, August 11, 2008]
Having a stable financial standing equals to well-managed and organized finances. It is obvious that the most enjoyable and happy occasion in a couple's life is the extension of the family. No matter if it is through pregnancy or adoption, the joy of parenthood is the same. The trouble, however, begins when your finances can't meet the needs of the new individual. A clear sign of this is debt. When your finances are causing you stress and tension, then you are not ready for the responsibility of additional financial strain.
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