Michael D. Strauss's Articles in Credit Show All|Display Category|Title|Newest|Oldest Why You Need A Credit Card Once viewed as an exotic and even unnecessary thing to carry, credit cards have now become ubiquitous. Indeed, it's becoming evermore difficult to take part in modern society if you don't carry a card. Why Comparing Credit Cards Before Applying Is So Important With so many credit cards of different kinds on the market today, it really pays to choose carefully. Read how to effectively compare cards from different issuers and get the right one for your situation. Why Choose A Gas Credit Card? Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card? Which Kind Of Credit Card Should I Choose? There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need. When Not To Use A Credit Card Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble. Turning Lead Into Gold - Getting A Credit Card With Bad Credit More and more people are picking up bad credit ratings as the economy continues to worsen. This doesn't necessarily have to mean you can't get a new credit card though. Tricks Credit Card Companies Use To Ramp Up Your Bills Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front. Simple Steps to Prevent Credit Card Fraud Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you. Keeping Track Of Your Credit Card APR Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too. Is It Time To Upgrade Your Credit Card? If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal? Is Cashback The Future For Credit Cards? Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit? How Important Is Credit Card APR? Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate. Getting The Best From Balance Transfers While credit card balance transfers are perhaps not as popular as they once were, they can still offer great benefits if used properly. Find out how to make the most of the facility. Get in Control of Your Credit Card Debt Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of control. Flat Rate Credit Cards Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing. Credit Cards: Why You Should Pay More Than The Minimum Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimuum repayments will make the situation worse, and this article explains why. Credit Cards And Your Credit Score Your credit rating is the major factor in deciding what kind of credit card is worth applying for. Find out what you can expect at different levels of credit scoring. Credit Card Cheques - An Expensive Convenience Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost. Credit Card Basics Applying for a credit card is a common online activity, but how can you decide which one to go for? Understanding the basics will go a long way in helping you to reach your decision. Credit Card Balance Transfer Fees Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born. Charity Credit Cards - A Good Deal? Charity credit cards are often presented as an easy way to donate to charity without any cost to yourself, but is it really that simple? This article shows how there might be more cost effective options available. Benefits Of A Business Credit Card Running a business means that there are dozens of things competing for your time, and so anything you can do to streamline your operation is to be welcomed. Find out how taking out a business credit card can improve the financial side of your enterprise. Balance Transfers Plus A Savings Account Equals Easy Cash The practice of shifting debt from one credit card to another to take advantage of 0% balance transfer deals isn't as popular as it once was, but a related activity is still alive and well. Find out how balance transfers could actually make you money for nothing. Are Online Credit Card Applications Too Easy? Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it. A Brief History Of Credit Cards Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today.	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