Is There Self Test For Diabetes?

Sixteen million Americans have diabetes, yet many are not aware of it. African Americans, Hispanics and Native Americans have a higher rate of developing diabetes during their lifetime. Diabetes has potential long term complications that can affect the kidneys, eyes, heart, blood vessels and nerves. A number of pages on this web site are devoted to the prevention and treatment of the complications of diabetes. (see Diabetes Symptoms)

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In diagnosing diabetes, physicians primarily depend upon the results of specific glucose tests. However, test results are just part of the information that goes into the diagnosis of diabetes. Doctors also take into account your physical exam, presence or absence of symptoms, and medical history. Some people who are significantly ill will have transient problems with elevated blood sugars which will then return to normal after the illness has resolved. Also, some medications may alter your blood glucose levels (most commonly steroids and certain diuretics (water pills)).

The TWO main tests used to measure the presence of blood sugar problems are:

1. Direct measurement of glucose levels in the blood during an overnight fast
2. Measurement of the body's ability to appropriately handle the excess sugar presented after drinking a high glucose drink.

Self Testing Methods
Regular self-testing of your blood sugar tells you how well your combination of diet, exercise, and medication are working. Tests are usually done before meals and at bedtime. More frequent testing may be needed when you are sick or under stress.

A device called a Glucometer can provide an exact blood sugar reading. There are different types of devices. Usually, you prick your finger with a small needle called a lancet, which gives you a tiny drop of blood. You place the blood on a test strip, and put the strip into the device. Results are available within 30 to 45 seconds.

A health care provider or diabetes educator will help set up an appropriate testing schedule for you. You will also be taught how to respond to different ranges of glucose values obtained when you self-test.

The results of the test can be used to adjust meals, activity, or medications to keep blood sugar levels in an appropriate range. Testing provides valuable information for the health care provider and identifies high and low blood sugar levels before serious problems develop. Accurate record keeping of test results will help you and your health care provide plan how to best control your diabetes. There are 20.8 million children and adults in the US with diabetes, and nearly one-third of them (or 6.2 million people) do not know it!

0% APR Credit Cards Explained

What Is A 0% APR Credit Card?   Many of us have heard about them, but has anyone every explained 0% APR credit cards to you?  Well, for starters, the APR or annual percentage rate is the rate of interest credit card companies charge on outstanding payments. The amount you are charged depends not only on the rate of interest, but also on the method of calculation of rates of interest. 0% APR credit cards are credit cards that charge you no interest on credit, for a specified period of time. The best 0% APR credit cards offer 0% APR’s to customers for up to 12 months. After 12 months the credit card issuer charges you at the normal rate. The card issuer assumes a risk by offering you interest free credit for such an extended period. They balance that risk by offering 0% APR credit cards to only customers with the best credit.

What Lies In Your Debt?

What Determines Your Credit?

Your credit depends on a number of factors. Your credit score, also known as the FICO score is widely used as a credit rating for Americans. Since your credit rating will determine whether you are issued a 0% APR credit card, knowing what goes into the score helps a great deal. Your credit score is determined based on five parameters. The most important among these parameters is your current debt and your history of repayment of debt.

The other three parameters for calculation of credit score are the length of your credit history, amount of new credit and types of credit used. Based on these five parameters, the individual is given a score ranging from 300 to 850. This is indicative of the credit worthiness of the person at a particular point of time. People with credit scores above 770 usually qualify for a 0% APR credit card. However scores above 700 are also considered good.  0% APR credit cards typically require, at a minimum, very good credit and often will require excellent credit.

One method used by customers to avoid interest is balance transfer credit cards. It is possible to shift from a credit card that charges interest to a 0% APR credit card using a balance transfer, provided you have the requisite credit. Once the introductory period of the card expires, people often shift to other 0% APR credit cards using the balance transfer method. Doing this however harms your credit rating and can hurt your prospects of receiving good credit in the future.

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It is good to be informed of clauses like the universal default clause. This clause states that if you default on your payments to one creditor, for example a bank, it affects your credit rating and can increase the rate of interest you are charged elsewhere. Responsible vendors realize that informed customers make for the best customers in the long run.

0% APR credit cards sometimes come topped with other offers. You can find a variety credit card offers online that come at 0% APR from the best companies. Choose the 0% APR card that makes the most sense financially and functionally. And always try to maintain you good credit rating that got you your 0% APR credit card in the first place.

0% APR Credit Cards - True Benefits?

A 0% APR credit card is an opportunity for you to cash in on a good amount of savings across the board.  If you are like many, you are realizing that this might be a great way to realize true benefits from a credit card without having to pay much for it.  Yet, there is much more to know about these 0% APR credit cards.  You should take the time necessary to find the right opportunities for your specific needs.  In many cases, this is a great option, if used in the right manner.

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What Is 0% APR?

When a company offers you a credit card at a 0% APR, they are basically allowing you to borrow funds for no interest.  There are generally some fees that are associated with the credit offers, but in most cases, you will see that they are still quite an affordable option.  In most cases, the APR that is offered to you will one of two types.  Some credit cards will offer you a standard APR, or annual percentage rate that is the rate you will likely hold for the time that you hold the line of funds.  Others will offer a lower introductory offer.  Normally, a 0% interest credit card is offered for an introductory time period only.

Should You Use It?

If you have the choice between two offers of credit, one with a lower rate than the other, you may be tempted to just go with the lowest offer.  Yet, there is more to it than just that.  In fact, you need to consider what the interest rate will be after the introductory period is over.  For example, if you have two offers, one lower in the six month introductory period than the other, you may be tempted to go with the lowest offer.  Yet, in the long term, that line of credit may have a higher rate.  Determine which offers the best overall ability for you to get what you need in the least expensive manner.

The Benefits Of 0%

Yet, even with that said, there are plenty of benefits of selecting a 0% APR credit card.  For example, if you know that you will be paying off that line of credit quickly, within the introductory period, it is well worth making the switch.  After all, there is not anything better than borrowing money for free.  If you have a credit card currently that has a much higher interest rate, you can save yourself quite a few fees if you do a balance transfer to the 0% APR credit cards as well.  Here, make sure that the rate applies to balance transfers before making the move.

In short, a 0% APR credit card is an opportunity for you to invest in paying less.  To benefit from them, make sure to get all the facts and take the time necessary to compare them.  To find these offers, simply check out the opportunities offered by the lenders.  Most credit card companies do offer some form of introductory rate reduction offer including 0% interest credit cards.

0% APR Credit Cards - Tips & Tricks

Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance.  One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980’s and to this day has still proven to be one of the most sought-after credit card types available anywhere.  As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential card applicants should be made aware of.

With the help of a 0% APR credit card, it means that you need not only pay the outstanding balance; and what more you could even charge up to the limits without having to sustain any monthly interest charges. However, sometimes, one tends to think just how these credit card companies can afford to provide 0% APR credit cards, and make a profit out of it?

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Although 0% APR credit cards may not comprise any monthly charges, it is sure to come with annual fees which you are obliged to pay for the privileges of a 0% APR credit card. These annual fees usually run from $15 to $20 or sometimes, even higher. Having a 0% APR credit card doesn’t mean that you can pay your dues whenever and whichever way you intend to. It IS necessary to make your payments on time, or else, you will have to pay for high overdue fees. For each late payment, the 0% APR credit card holder has to pay fees that may range from $20 to $40. With habitual late payments, these meager amounts may accumulate to a hefty total!

It should be remembered that 0% APR credit cards are usually offered for only a stipulated period of time. This credit card interest may hold good for only a fixed period of time, usually ranging from 3 up to 15 months. On the completion of this period, a higher rate of interest may come in vogue, usually 12% or higher. You could easily transfer any existing credit card balances to a new 0% APR credit card to get 0% interest on the transferred balance. In this way, the credit card holder has to pay less interest for a stipulated period of time, and thus get a chance to clear outstanding balances as quickly as possible.

When applying for a 0% APR credit card, it is always better to read the terms and agreements of the credit card.  Not to overstate an obvious question, but why should one do so? Simply because many credit cards may come with a default rate wherein late payments not only incur a late payment fee, but it would also include a default rate that will be added to the annual percentage rate. This in turn doubles the figures on the existing balances and on the new purchases made on the card moving forward.  Ouch!

One very important point to take into account when applying for a 0% APR credit card is to read all paragraphs of the agreement, otherwise known as the fine print. This is because though it is illegal for a credit card company to hide their fees and charges, it is nonetheless legal for them to mention these points in small print! The 0% APR credit card companies thus usually announce in large and bold print about their 0% APR but hide the facts that this is only for a limited period of time and any extra fees which might be included are done so in very fine print.

Another trick that is up the sleeve of 0% APR credit card companies is to install sky-high APR’s right after the amount of 0% APR balance transfers are paid down. In other words, the money you first pay to the credit card company is applied to the transfer, and any other purchases you make will be charged a high APR. Sometimes, credit card companies may also go to the extent of sending you a different card than the 0% APR credit card you had initially applied for.  In this way, you are not allowed the 0% APR but a different card offer with different terms and conditions. The card issuers typically rationalize this behavior based on the card issuer determining that you do not meet the qualifications for a 0% APR credit card. Qualifications for a 0% APR credit card is usually found in the small print of the agreement, and is usually overseen by applicants!

It can thus be seen that though 0% APR credit cards do seem to be rather inviting, there are some loopholes and tricks to their use. As always, it is highly recommended to read the terms and conditions on the card application agreement for the 0% APR credit card, or any type of credit card application, thoroughly in order to avoid any future problems, headaches or financial surprises.

0% APR Credit Cards: How Can They Do That?

During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off of this type of plan? Well, good question! Let’s examine 0% APR credit cards and the way they really work and if they are still available to you today. You just might be surprised at the answers!

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Annual Fees. Depending on the credit card provider, some card holders have been charged an annual fee for the privilege of having a 0% APR credit card. Annual fees for some of these cards generally run from $15 to $20, even higher.

Late Fees. You would think that if customers had a 0% APR credit card that they would always pay them on time, right? Well, many do not. So, every time a payment is received late credit card providers would assess a late fee. With fees ranging from $19 to $39, that can add up especially if someone is habitually late.

Default Rate. Oh, that 0% rate is nice on the surface. Read the “member’s agreement” and you will quickly learn that late payments will not only incur a fee, but a “default rate” would be charged bumping up the annual percentage rate to double digit figures on existing balances as well as on new charges! If you are late you can say, “bye, bye” to your 0% APR credit card in no time.

Short Term Offer. 0% APR credit cards are still offered today. Almost always they are cards for new card holders that offer a 0% rate for a limited period of time, such as twelve months, before a higher rate kicks in, which usually is around 12%. Some cards will allow you to transfer existing credit card balances over to the new card and receive the 0% rate on transferred balances. What a great way to cut your costs and save money too!

Don’t worry about credit card providers having difficulty making money even with low or 0% APR credit cards. Rates have since increased, in some cases dramatically, making it more difficult to find a low interest rate credit card. Still, great offers exist, but you must know where to find them. Searching online for your 0% APR credit card is a great way to quickly find and compare the best 0% APR offers available.

Copyright 2006 Ed Vegliante.

"Bad Credit" Credit Cards: How You Can Avoid High Fees

Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT.

There are only a limited number of credit cards for individuals with bad credit. At first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current “bad credit” credit cards bury in the fine print. Of the three major cards I will examine, only one stands out as consumer-friendly.

What Lies In Your Debt?

“Bad Credit” Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However, your first fine print glimpse reveals that there is a one time setup fee of $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, we’re up to $124 in expenses. That’s got to be it, right? No. Add in another $48 for the annual fee and $6 per month in account maintenance fees. That’s brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad credit.

“Bad Credit” Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This can’t be good. But the setup fee is only $29. Maybe this card isn’t so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107. Maybe we’ve found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.

“Bad Credit” Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuer’s review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So far, the cost of this card ranges from $35 to $128. Now its time for the monthly maintance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit card is $128, about half of what competing cards are charging.

Clearly, there are substantial difference between “bad credit” credit cards. Of the three offers we have examined, only one doesn’t take you to the cleaners. In fact, “bad credit” credit card #3 provides great value. All positive changes to your credit history and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path to rebuilding credit has its costs, but in the long term, rebuilding your credit with a “bad credit” credit card is the fastest and most cost-efficient way to correct the often unfortunate circumstances that have damaged your credit in the first place.

©2006 Credit Card Depot Inc.

Vacation And Credit Cards

Each and every year, many of us go on vacations.  Vacations are a great way to relax, and get away from the everyday pressure of life.  Over half of all American families take their vacation between April and September, meaning that they spend a lot of money on travel.  Whether it’s international or domestic travel, you can spend a fortune before you actually realize it.

As we all know, traveling with cash or checks isn’t always a wise decision.  Renting cars, flying in airplanes, or checking into hotels is a much easier task if you have a credit card.  Even though you may decide to use your credit cards for big purchases only, you’ll find that the traveling experience will be a much smoother process.

Unlike cash or checks, credit cards make handling your documents and receipts much easier.  If you purchase something, records from that purchase will be made with your credit card manufacturer, which you can always fall back on if something happens.  Things can go wrong without notice, so you’ll always want a backup plan or something to have as proof in the event of a disaster.  With a credit card, all you need to do is look back at your statement and you’ll find everything that you purchased in one easy to find location.

Credit cards are also much easier to handle and keep track of than cash.  If you decide to go to a theme park or a resort, you’ll find that cash can be a bit bulky to handle.  Carrying a large amount of cash can be hard to keep track of, even though it isn’t recommended.  Credit cards use up less space, and you can keep them in your pocket.  When you need to pay for something, you don’t need to count through your cash, simply hand over your credit card and sign your receipt.

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If you don’t have any credit cards, you can always get them for vacation purposes only.  There are many benefits to having credit cards, besides the fact of them being easier to keep track of.  There are many different credit cards out there to choose from, including those that will give you cash back or rewards when you make a purchase.  Cash back is normally a small percentage of what you spend, and is given to you at the end of the month.

Some credit cards will give you reward points for every dollar you spend, which can be redeemed with several merchants offering a variety of products.  Although cash back is always a great thing, many people find reward cards to be just as good.  You can enjoy your vacation, buy just about anything you want, and know that the money you spend will help you to buy other things that you may need when your vacation is over.  Actually, can you think of this as having your cake and eating it to.

All in all, credit cards can make your vacation easier than ever before.  You can earn rewards and cash back with purchases you make using your card.  Although you may think cash is the preferred way to go, there are several merchants who actually prefer credit cards.  They are more professional, and easier for you to handle than cash or checks.  They are easy to obtain as well, providing you have good credit.  If you don’t have a credit card, you should look into getting one before you take your next vacation.  All you need to do is look for your favorite company online and apply through their website - you’ll normally receive a response in a matter of minutes.

Options For Good Credit Cards

Those of you who are looking to get the best options with your credit card, should first look into the terms associated with that card.  There are a lot of different features that you can get with credit cards these days, including low APR, rewards, no annual fees, and several other perks designed to keep you using your credit card.

There are several credit cards that you can choose from as well, giving you a slew of different options.  There are credit cards with instant approval, credit cards with low interest rates, cash back credit cards, reward credit cards, and even prepaid credit cards.  If you have good credit, you won’t have a problem getting any type of credit card you desire.

Most people think of the best options with credit cards being the rewards.  Reward credit cards are great to have, as they give you extra incentives for the money you spend.  Whether it’s cash back or points to redeem towards hundreds of items, cash back cards make it worth your time and interest to use your credit card.  These cards are becoming very popular, as they offer you features that other types of credit cards generally don’t offer.

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Another great option for credit cards is low APR rates.  Your APR, or annual percentage rate, is the amount of money that you pay at the end of the year for your credit card.  If you can get a credit card with low APR and low fees, you should hang on to that card.  Credit card companies and banks are always competing for your business, and you can normally find credit cards these days with some truly impressive features.

To get the best possible options for your credit card, you should always shop around and compare what each company or bank has to offer.  Most options found on credit cards will vary from company to company and bank to bank.  If you have access to the Internet, you should use it to find yourself the best possible credit card.  There are literally hundreds of credit card offers found on the Internet, many of which offer you some truly great options with their credit cards.

Before deciding on your credit card, you need to determine which options are the best for you.  This way, you’ll know exactly what to look for.  The better credit cards will include several different options, such as low APR, low fees, and certain rewards as well.  These types of credit cards are easily the best investment, as they give you a lot of bang for your buck.  If you play your cards right and look for the right credit card - you’ll get the options you desire with a credit card that you’ll be proud to use.

Maximizing the potentials of a low APR credit card

Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers in—to help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card?

Basically, APR is the cost of credit as a yearly interest rate. APR stands for “Annual Percentage Rate” of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement.

Although the arrangements and terms may vary from lender to another, it is better for people to avail a low APR credit card because the lower the APR, the better the deal for them to spend more money in shopping around.

Why choose a low APR credit card?

What Lies In Your Debt?

Low APR credit card is a good choice for those people who are into a tighter financial budgeting. Being the most important attribute of a credit card, APR determines the significant balance over a longer period of time.

In a low APR credit card, the amount of interest one must pay on his or her credit card balance depends on its APR because the lower the APR is, the better it is him or her because it means they have to pay less interest. APRs in a low APR credit card can either be “fixed” or “variable.”

If you are planning to have a low APR credit card, there are so many cards that offer low APRs that can be found online. These low APR credit cards are chosen using a factoring scheme that organized these cards by computing a number of their attributes to place the best deals at the top.

Some of the questions one have to ask when looking for a low APR credit card includes the charges—if they vary or a fixed rate; and if these charges are variable because it might affect the repayments and if these rate are fixed or will it stay the same. Searching for a low APR credit card may also include inquiries on the possibility of any charges that are not included in the APR like optional payment protection insurance or an annual charge. If there are any, make sure that you understand what they are and when do you have to pay them. Lastly, looking for a low APR credit card should include questions on the conditions of the credit and how would these conditions suit you.

 If you are now seeking for a low Apr credit card you may begin looking for a scheme that could help you save hundreds in interest with a low interest credit card and low cost processing.
Most low APR credit card offers 0% APR for the first months on purchases, cash advances, and balance transfers. Through these, low APR credit card can warn rebates towards any item purchased. They also offer $0 liability on unauthorized purchases, and no annual fees.

Some low Apr Credit Card that have very good intro rate for purchases is recommended for those who would want to avail one. They also offer good deals if one carry high balances on other cards and need to transfer the balance.

Indeed, having a credit card can be useful and convenient, and can even help build a strong credit history that will help you with future activities like home-buying, paying for higher education, and even finding a job. But, before you apply for a card, consider the advantages and disadvantages especially with the current financial situation you are in.

Ideal Offers For Credit Cards

With many people, looking for the best credit is a very tough task.  Even though there really is no “best” credit card, there are credit cards out there that are the best for you.  There are many different types of credit cards available, some that may be for you and some that won’t.  With so many to choose from, it can be tough finding your ideal credit card.

No matter type of lifestyle you have, how much money you are looking to spend, or how you plan to use your credit card, the one thing you should always pay very close attention to when choosing your card is the APR.  Most people, choose the credit cards with the lowest APR, which gives you better interest rates.  The lower the number of APR you can get, the less you’ll have to pay.  Many times, the best credit card offers are those with the lowest interest rates.

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No matter what type of credit card you choose, you should always pick the one that best fits your needs and interests.  If you look at several of the companies and compare their rates, you’ll find the best possible deals.  You should always compare companies and what they offer before you make a decision, so that you can find which company fits as your best credit card offer.

If you have never applied for a credit card before, you may find it quite difficult to get a low interest rate.  If this is the case, you’ll find other offers that will give you what you need.  Those of you who have bad credit or no credit, will obviously need to look into credit cards that will give you credit at the best possible deal.  Once you have had your credit card for period of time and begin to establish credit, you’ll be able to go back and apply for credit cards that offer a much lower APR, or interest rate.

Although you may get an offer from a company that sounds amazing, you should read the fine print before you sign the dotted line, then look around at other companies.  With the credit card industry being so competitive, there are hundreds and hundreds of companies out there willing to compete for your business.  Before you rush into an agreement, you should always find out what other companies will off you.

No matter how you go about getting your credit card, you should always look around for your ideal credit card offer.  Even though your choice may be questioned by others, it will be the credit card that you feel most comfortable with.  If you put some time and research into looking and compare other offers - you’ll find the best credit card for you and your money.

How To Avoid Late Fees

Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late.  The fees can pile up and the interest rates can grow before you know it, and after a while you won’t even be able to pay the minimum amount of payment.  If you don’t do something fast - it could be the beginning of the end.

To make sure this don’t happen to you, you should always pay your bill on time, and always avoid missing a payment.  Sometimes, it can be hard to make your payments on time, although you should always do everything in your power to ensure that you stay on top of things.  Below, you’ll find some tips to help you with your credit card payments.

As stated above, you should always pay your bill on time.  If something comes up and you aren’t able to pay, you’ll be penalized.  Even though you may think what has come up will justify a late payment, it doesn’t justify the means in the eyes of your credit card company.  Inside of your bill, you’ll find detailed instructions regarding payment.  You should always follow them as accurately as possible, pay where and when you are supposed to pay - and do it on time.

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If you simply aren’t able to pay your entire bill, you shouldn’t worry about it - but instead pay the minimum amount possible.  Even though you may be able to pay more later, you should always pay at least the minimum amount.  Then, when you have more money, you can always add to your minimum payment by sending in an additional payment.

The easiest way to do this, is to always have the minimum payment amount set aside, so that you have it once your credit card bill arrives.  Once you have assured yourself that you won’t be penalized or charged any late fees, you should look into paying a higher amount than just the minimum balance.  By paying the minimum amount, you’ll also ensure that no other fees will be added to your next credit card bill.

Another option includes skip a payment, although you’ll need to check whether or not your credit card company offers it or not.  This service will allow you to request a waiver regarding your payment, when something comes up and you don’t have the money to pay your bill.  Make sure that you use this service wisely if you have it, as it can only be used once a year.  Therefore, you should always ensure that the situation is truly an emergency and there are no other options available for you.  This service will normally have a cost as well, and you’ll need to pay it the following month.

Although credit cards can be great for numerous reasons, you should always know your interest rates and have a good general idea of what your bill is going to be before you make a purchase.  Many times, those who have credit cards will make purchases, knowing they can’t make the payments - then suffer when they get the bill and aren’t able to pay it.

Anytime you have a credit card, you should always make sure that you have the money to pay the bill, or the minimum amount, the minute it arrives.  This way, you’ll remain in good standing with your company and your credit score will continue to increase.  If you simply aren’t able to make your payment, you should contact your credit card issuer immediately and see if you can work something out.

Getting Approved Instantly Online

If you’ve surfed around on the Internet, you’ve no doubt ran across many different credit card companies, offering you cards at what they claim are the best in terms of interest rates and fees.  Credit card companies operate both offline and online, and you can even apply for your card directly through their website.  Even though many people understand how this process works, there are some who don’t.

There are a lot of credit card companies who can process your application online instantly, or within a few minutes.  Keep in mind that it doesn’t mean you can shop instantly, simply because you can’t print out your new credit card and take it out to the store.  You can still shop, although you won’t be able to use your new credit card - you have to wait until it is mailed out to you.

Although your application will only take you a few minutes, you’ll still have to wait for your new credit card.  It will be sent to you via mail, so you’ll need to a wait a few short days before it arrives.  Online credit cards are a smart choice, as most will tell you instantly whether or not you’ve been approved.  Even though you’ll have to wait on the card, it doesn’t take near as long as applying the old fashioned way.

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When you compare the old fashioned method of getting credit cards to the online method, you’ll see some major differences.  The first difference is the time, as it can take a long time to return the credit card offer to the company and receive a response.  Snail mail can take forever when you are waiting on a response, especially if there are problems with processing your application.

The traditional method of getting a credit card won’t allow you to compare what other companies have to offer.  If you choose to apply for your credit card online, you’ll have the option of looking at several different companies. This way, you can find the best deal for your money and know without a doubt that you found the best deal.  There are literally hundreds of credit cards online, all you have to do is find one that interests you and apply for it.

Keep in mind that even though applying online is a great way to get credit cards, there are limitations on instant approval.  As you may already know, online credit cards with instant approval are meant for those who already have good credit.  Even though you may not have good or perfect credit, there are ways that you can get approved online.  With the market being very competitive these days, there are some companies that will approve you regardless, just for the simple fact that it gives them business.  A lot of online companies are looking to get more business, so they will let the line slide quite a bit, and approve almost anyone now days.

If you are looking for a credit card, all you have to do is look online.  You’ll find many to choose from, giving you plenty of available options.  Credit card companies are easy to find online, with there being more online than offline.  Getting approved online for your credit card is easier than ever, as all you need to do is apply and wait for a response.  With a little luck, you may end up getting approved.  Once your application is approved, all you do is sit back and wait for your credit card to arrive - it’s as easy as that.

Getting A Higher Limit On Your Credit Card

Nearly everyone who has a credit card always has the goal of a higher line of credit.  A higher credit card limit will enable you to make much higher purchases, normally purchases that you are unable to get with your current line of credit.  There are ways that you can get a higher credit limit.  Below, are some tips that will help you raise the limit of your credit.

The most important thing to do when improving your credit limit is to improve your overall level of credit worthiness.  This tells banks and lenders that you can be trusted with credit, and that you are little to no risk for them.  When lenders and banks look at your credit report, this is the first thing that they look for.

You can attract a lot of positive attention with a credit card company or bank with your finance purchases.  You should pay them every once in a while, although you shouldn’t go out of your way to make a habit of it.  Normally, this should be done as a last resort when all else fails to increase your overall chances of raising your line of credit.

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Once you prove to a bank or credit card company that you can be trusted to borrow money, they may raise your line of credit.  You should be careful with this strategy however, as this could only apply to your bank or current credit card company.  Having a higher credit line may allow you to have more purchasing power, although it can also leave you with more fees and even an increase in your current interest and APR charges.

Another great way to increase your credit limit is to use your credit card every chance you get.  When you have a credit card, don’t use it just for emergency purposes.  If you save your credit card for emergency purposes only, you’ll rarely use it.  When this happens, your company will begin to wonder about your spending behavior and ability to pay it back, therefore they will start to think twice about giving you a higher line of credit.

When you send in your payment, always try to pay more than just the minimum amount.  If you can afford to, you should try to pay the whole outstanding amount.  Doing so shows credit card companies and banks that you are striving for better credit.  This way, you’ll show them that you deserve to have a higher line of credit.

If you follow the above tips, you’ll get your credit limit higher in no time at all.  Once you get your limit raised, you should protect it at all costs.  If you continue to strive for perfection - you’ll get a higher line of credit than you ever thought possible.

Credit Cards And Credit Reports

Over the years, credit cards have become very popular.  When they were first introduced, they were popular, although these days millions of people use them.  There are many types of credit cards available, including those that help people who have bad credit.  You should always keep in mind that even though credit cards are great to have, they will also have quite an impact on your credit report.

The credit report is extremely important, especially when it comes to credit cards.  Banks and lenders use your credit report to determine if you meet their criteria for a credit card or a loan.  Your credit report is the determining factor for your credit, which is why you should never let your credit cards do any type of damage to your report.  To avoid this, simply pay your bill on time.

Most people will use their credit cards responsibly and won’t damage their credit report.  Doing this will show lenders that you are responsible, and that they can trust you with loans and credit - which in turn will raise your credit score.  Keep in mind however; if you have a lot of open accounts, it may tell lenders that you have a lot open and that you won’t be able to pay them back.  Although this may count as good credit, lenders look at several open accounts as being potentially damaging to your credit report.

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Although you may be tempted to have more than one credit card, it can actually be a downfall in the eyes of the lender.  Most lenders will see this as you having a way to spend all of your limit, and will fear that you may do so.  Even though you may not have this intention, credit card lenders will almost always fear the worst case scenario, and it eventually lead to you damaging your credit score - simply because a lender will turn you down for a future offer you apply for.

Something else you need to keep in mind is the fact that it can be really easy to miss a payment on your credit cards.  Although this doesn’t sound bad, it can have a very negative look on your credit report.  If you start missing payments or paying them late, the lender will eventually enter it in your credit report.  This can have a negative impact, lowering your beacon score and eventually bringing down your overall credit rating.

If you play it safe and only get one or two credit cards and keep a track of how you use them, you won’t need to worry.  Your credit report should always be a primary concern, and you should always do your best to ensure that it stays free of negative ratings.  If you keep up things up to date - you’ll enjoy the benefit of a positive credit report.

Credit Card Reward Cards

No matter where you look, there is always a credit card company that is offering reward programs with their credit cards.  New ones pop up all the time, making it sound too good to turn down.  Even though they may sound great, you may wonder if the rewards are truly worth it.  In some cases they are, although in others they may not be quite as good as you would like.

Although having more than one reward card is something many people instantly think about, you should always keep in mind that not all of them are worth having.  Even though using your credit card is always good, you can sometimes end up paying quite a bit if you don’t pay attention to what you are buying.  When it comes down to credit card reward cards, you should use caution - with a dash of common sense.

Any reward cards that come with high interest rates should always be avoided.  With most reward cards, you’ll find that they include higher rates of interest than standard cards.  This higher interest rate can quickly and easily offset any type of reward.  To be on the safe side, you should always look at the interest rates and determine if the reward is indeed worth it.  If you pay off your entire balance at the end of every month - then this won’t be a concern at all for you.

You should also keep your eyes peeled for reward cards that offer a high annual fee.  These cards can be very tough to keep a grasp of, and they can also interfere with any type of reward you may think your getting.  If you look at the fine print before you get choose your reward credit card, you can help to eliminate problems.

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Cash back is a type of reward card that is becoming very popular.  A lot of the top credit card companies and banks offer cash back programs that are normally around 1% for every purchase that you make.  Before you rush out and get a reward card, you should always make sure that you read the fine print and see if there is a maximum limit on the card.

Another type of popular reward credit card is the type that give you points for every purchase you make using that card.  Once you have accumulated enough points, you can redeem them for items and other cool things.  Some cards will have limits as to how many points you can receive, which again makes it your best interest to shop around.

There are also credit cards with frequent flyer miles, which have been around the longest.  Some cards will base their rewards on points, while some choose to use actual miles.  For every dollar you spend using your frequent flyer credit card, you’ll receive either a point or a mile.  Once you get enough accumulated, you can redeem them.  Most frequent flyer rewards take about 25,000 points or miles in order to redeem them, which can make it nearly impossible for some to reap the benefits of using the card.

No matter where you look, finding the right credit card reward card can take some time and effort.  You may have no problems finding the card to fit your needs, and if you do, you should consider yourself lucky.  Before you choose your card however - you should always take the necessary time to read the fine print and compare what each unique company has to offer you.

Consolidate Your Credit Card Debt

Consolidating your credit card debt is actually one of the smartest decision you could ever make.  Credit card consolidation is ideal for anyone who is looking to have better credit now, and in the future.  Consolidation is very common these days, and it is actually a sure way to combine your debt and make sure that you never get yourself too far in credit card debt.

Even though there are many reasons why to consolidate your debt, one of the better reasons is to get a better rate.  If there is a way to get lower rates on a current consolidation, then you’ll have no reason to consolidate your debt.  Anytime you are able to consolidate your debt and save yourself a bit of money - you should never hesitate to do so.

Consolidating your credit card debt will also save you a lot of money as well.  If you have managed to get yourself in debt, chances are that you owe a lot of money on your credit card, or possibly several different credit cards.  Consolidation will put everything into one bill, making it easier for you to pay.  Paying just one bill can help you save a lot of time, as well as prevent stress.

Although consolidation will put your credit card payments into one bill, you should never do it for that reason alone.  The last thing you want, is to pay more money to avoid getting more than one bill a month.  Credit card debt consolidation is a wise investment though, as it may give you lower monthly payments over an extended period of time.  It will also close out other accounts as well, which could help you to improve your credit.

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If you are looking to consolidate your credit card debt, you shouldn’t hesitate to let the professionals help you.  There are a lot of companies and banks that specialize in consolidation, and would be more than willing to help you.  Before you make your decision though, you should always research your options available and find the best one for your needs.  You should also make sure that there are no hidden fees or other problems as well.  If you take the time to research, you’ll save a lot of money in the future.

A lot of people who turn to credit card debt consolidation, let their credit cards get the best of them.  A credit card can be great to have, although it can be easy to abuse as well.  If you aren’t careful in your spending, you can rack up debt before you know it.  Once you get yourself in credit card debt, it can be really hard and very stressful to get out of it.  Normally, it will take you months and possibly even years to get out of debt.

If you’ve made the decision to turn to credit card debt consolidation, the first thing to do is to look at your debt, and see exactly how much you owe.  If you know what you owe and who all you owe it to, it will be much easier to contact the professionals and get them to help you.  When you contact them to help you, you shouldn’t be afraid to ask them any questions, as you should always be looking for the best deal possible.  Although credit card debt consolidation is a great thing, you should always do yourself a favor and wait until you find the best deal possible.

Comparing Credit Cards

All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks.

Before you make your decision and choose a credit card, you should always compare what each company or bank has to offer you.  If you get an offer in the mail for a credit card, you should go on the Internet and look into it more.  You should also make sure that you read the fine print as well, to see if there are any type of hidden fees or other costs associated with that card.  Many times, with offers in the mail, credit card companies or banks will try to sneak hidden fees and costs in there.

When you start to compare offers, you should make sure that you look at the APR and the fees.  The APR is very important, as this will tell you your interest rate.  You want to get the lowest APR possible with your credit card.  If you look at a credit card that has an unusually high APR, you should immediately rule it out.  Credit cards that come with high APR rates can easily lead you on a roller coaster towards credit card debt.  No matter how good your credit may be, high APR rates can leave you with charges that are really difficult to pay.

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Among the many options available to you, you’ll have three primary choices for your credit card - Visa, MasterCard, and American Express.  These three giants are the leaders in credit cards.  Visa and MasterCard don’t issue the cards themselves, they have banks and other companies issue on their behalf.  American Express, or AMEX, is the only one that does everything themselves.  AMEX issues their credit cards, maintains their own networks, and doesn’t use any type of third party.

If you like to travel, you will probably want to choose either Visa or MasterCard, as they are accepted all over the world.  American Express is the least accepted of the three, although the company is upgrading their networks every chance they get.  Before too long, AMEX will be accepted virtually everywhere.  Right now though, AMEX isn’t accepted in all areas of the world.

Discover is another type of credit card, although it isn’t near as popular as the three above.  Discover does have some great benefits to offer you, although it isn’t accepted in other parts of the world.  Most people who have Discover credit cards stay local and use their cards in the event of an emergency.  If you don’t have a credit card and have been thinking about getting a Discover card, you should really think about that decision and choose either Visa or MasterCard instead.

All in all, there are a lot of credit cards to choose from.  That final decision though, is entirely up to you.  There are a lot of great companies and banks out there, although it’s up to you to find the best credit card for your needs.  You can choose to go with a company or bank that’s local to you, or get online and look for your credit card.  The Internet can be a great resource for credit cards, as long as you know what you want.  If you know what you want before you go online - you’ll save yourself a lot of time and money.

Bank Secured Credit Cards

Even though there are many types of credit cards out there for consumers, there are few for those with bad credit.  Those who are looking to repair their credit have a few options available, one of which is the bank secured credit card.  This credit card can help you to repair your credit, as it works in conjunction with your savings or checking account.

Bank secured credit cards look and work just like traditional credit cards, although they use your bank account as collateral.  Anytime you aren’t able to pay your credit card bill at the due date, the bank will take the money out of your account.  This way, there is always money there for the bank, in the event that you are unable to make your payment.

Bank secured credit cards are also ideal for those who have a bankruptcy or simply don’t qualify for a line of credit due to bad credit or no credit history.  These credit cards show your bank that you are able to pay your monthly dues, and that you are taking the necessary steps in rebuilding or building your credit.  Over time, if you remain responsible and pay your bill on time, your bank may give you an unsecured line of credit - known as a standard credit card with no collateral.

Due to the fact that bank secured credit cards only allow you to spend what have in your account, you don’t need to worry about debt.  When you can’t make a payment, the bank simply takes the money out of your account.  Although this is a great back up plan, you should always pay your bill and never let this happen.

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Just like other credit cards, bank secured credit cards do have disadvantages that can hit you like a ton of bricks should you use the card irresponsibly.  Anytime you don’t pay your bill on time, the bank can hit you with high interest charges and late charges.  These charges and fees can get higher and higher if you don’t start paying your bill, which can eventually cause you to drain your account that you set aside.  If you pay your bill on time though, you won’t have to worry about being hit with these types of charges.

For those who have bad credit or need to start building credit, a bank secured credit card is a great place to start.  These cards can lead you to an unsecured credit card, providing you pay your bill on time.  Almost all banks offer these credit cards, all you have to do is ask.  Once you have kept your credit card in good standing for a period of time - you’ll have the satisfaction in knowing that you are taking the right steps in rebuilding your credit.

American Express Credit Cards

Also known as AMEX, American Express is easily one of the most recognized names in the world of credit cards.  Even though many people have Visa or MasterCard credit cards, they are still interested in AMEX.  With Visa, MasterCard, and AMEX being the most popular and preferred types of credit cards, they are all great although there are also differences between them as well.

Both Visa and MasterCard are methods of payment.  Both will allow different businesses to accept credit card payments using their systems.  Neither of the two issue credit cards on their own behalf, instead they rely on banks throughout the world to issue the credit cards for them, provide the credit, and then charge the interest.  Your credit card bill goes to the bank, as Visa or MasterCard doesn’t see any of it.

AMEX on the other hand, is very different.  American Express has their own payment system, and they also issue their credit cards directly to consumers.  Unlike Visa and MasterCard, AMEX runs the entire show.  Therefore, when a credit card says American Express on it, you instantly know who has issued the card, what payment system it has, and everything else you would need to know.

Even though MasterCard and Visa are used more throughout the world, American Express is always expanding their networks.  Visa and MasterCard are used in over twenty five million locations over the world, including third world countries, which makes them global credit card payments.  AMEX on the other hand, doesn’t quite reach this degree.  It is a great credit card, although it isn’t used around the world in areas where the other 2 dominant credit cards are.

You can get AMEX credit cards with rewards, although you’ll need to be careful where you look and what you select.  Normally, with Visa and MasterCard, you’ll have to look at hundreds of banks before you can find the best choice.  With AMEX, you can look at their website and find out what they offer and what type of APR you’ll have to pay.  Most of the time, you can find a credit card with low interest and a great spending limit - providing you have good credit.

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AMEX also has several advantages that it offers customers in North America and Europe.  The credit card is accepted widely in both areas, offering you credit cards with great features and very attractive looks.  AMEX offers you great rates, good rewards, and excellent customer service as well.

American Express also offers you Blue, which is a newly introduced credit card that offers you increased security, no annual fee, and 0% APR for the first year or so.  Depending on your credit, you may be able to get an extended period with no interest.  After that time has expired, you pay low fees, which makes it a great credit card for anyone looking for a deal.  Blue is the newest card from AMEX, and will rapidly become one of the best - due to it’s amazing features.

In the world of credit cards, American Express is one of the best.  They offer you a variety of different credit cards, designed to meet just about everyone’s needs.  You find them online or through a local provider, although online is the preferred way to go.  Simply fill out your application, and if you have good credit, you’ll be approved.  Before you know it, you’ll have a credit card from AMEX - and be ready to experience life in the fast lane.