Credit Card

Describes motivation process for creativity with emphasis on intrinsic motivation by Corey K Katir

So you thought that the hight APR on a credit card is capped at 29.9%. Even at 29.9 that’s no joke…ouch!

NEW YORK (CNNMoney) — Interest rates are now hovering near record highs, at an average rate of 14.72%.. And if your credit is bad enough, you could even end up with a rate as high as 59.9% APR. If that is not startling enough …In fact, First Premier Bank offers a Gold MasterCard with a whopping 59.9% rate for those people with “less than perfect credit”, according to its website. And that rate is actually down from the 79.9% rate it originally charged.[READ MORE] [COMMENT]

There is more that a 79.9% A.P.R. to be informed about. The goal is to get what ever pennies you have left in your wallet with goodies you really don’t need or might not even be able to access..read the fine print. There is little difference between the best or the worst credit card.
The Worst and Best Credit Cards of 2010
by Jennifer Saranow Schultz

So which cards made the cut?[READ MORE] [COMMENT]

The pending credit card debt meltdown: what’s happening in your wallet?

A year has just about gone since this article was written. The credit card meltdown is one of the many painful, desperate signs of our time that cause people to scream about what is being done to them and their families. The voices speaking up and demanding reform to all these meltdowns are growing. [READ MORE] [COMMENT]

Your business credit score is built the same way as your personal score. Your business is assigned a number, called a taxpayer identification number, and any lender doing business with you will ask for this number. Then, the lender will report how successful you were at repaying your debt to the major credit agencies, and the agencies will file the reports under your number. If you want to increase your score, try these tips to associate positive debt arrangements with your tax payer ID.

Learning how to recognize credit repair scams will save you pain and money. The scammers promise to remove negative information from your credit report, so that you can be approved for future credit. They can’t deliver on those promises, and the fee you pay to them is lost. The good news is that these scams follow the same patterns, so once you understand how they work, you can avoid them. Here’s how they work:

From How to Get Out of Debt

Many years ago I wrote my original Seven Stages of Debt, as modified from the Five Stages of Death and Dying by Dr. Elisabeth Kubler-Ross. Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the emotional stages of debt also [...]

Read the full article at GetOutOfDebt.org, click here: The Seven Stages of Debt. Which Stage Are You In?

From How to Get Out of Debt

You hear all the time how credit history can impact your ability to get a job. In the debt relief world debt settlement and credit counseling companies claim bankruptcy prevents people from getting jobs and that’s why people need to use their services instead. But what is reality and what is the negative impact of [...]

Read the full article at GetOutOfDebt.org, click here: Credit Reports, Credit History, and Credit Scores in Hiring and Job Performance. Is It Even Fair?

From How to Get Out of Debt

“Dear Steve, Divorcee’ with one child, remarried, living in home that is mortgaged under my ex-husbands name only and the deed is in my name only (don’t ask how-lol). Remarried we both work full time jobs My credit WAS descent, until the wedding, honeymoon, car issues and he got laid off. Now things are looking [...]

Read the full article at GetOutOfDebt.org, click here: We Just Can’t Get Caught Up on Our Bills and Debts. – Beth

From How to Get Out of Debt

A reader sent in the email below that claims to be from a U.S. Ambassador. I wanted to use it to point out a number of warning signs. Starting from the top: The email address this is sent from is not a government address. The reply to address is not a government address. The flag [...]

Read the full article at GetOutOfDebt.org, click here: Bogus U.S. Embassy Email Asks for Money – Scam Alert

From How to Get Out of Debt

First, I’d like to say thank you to Steve Rhode for the invitation to make a guest post. Steve, I greatly appreciate you opening up your venue. Rather than focusing on what Debt Relief A La Carte offers, I’d like to take this opportunity to discuss why. It will be much more meaningful for all. [...]

Read the full article at GetOutOfDebt.org, click here: Debt Settlement Companies Suffer from Premature Representation

From How to Get Out of Debt

I normally do not post an investigation with a consumer complaint. However in this case there were a number of issues that concerned me, such as unregistered companies, fake testimonials, and offshore payment processing. I’ve labeled this consumer complaint as a scam alert because in my opinion these companies all create a pattern of what [...]

Read the full article at GetOutOfDebt.org, click here: SCAM ALERT – Financial Management Partners – Consumer Complaint – 5-16-2012

From How to Get Out of Debt

The Military Star Card is a credit card that is marketed and promoted to military personnel. In the past it was known as the AAFES card as well. This card is limited to use at military Exchange stores or through the Exchange website. Only people who are active duty military, military retirees, reservists, National Guard [...]

Read the full article at GetOutOfDebt.org, click here: Military Star Card / Military Star Rewards MasterCard / AAFES Card- What You Need to Know First

From How to Get Out of Debt

The report below comes from Venable law firm. All I can say to my credit counseling friends is they better learn the meaning of the phrase BOHICA (Bend Over Here It Comes Again). Earlier this year, the Internal Revenue Serviceas (aIRSa) Exempt Organizations (aEOa) division unveiled its annual work plan. The plan highlights EOas priorities [...]

Read the full article at GetOutOfDebt.org, click here: Non-Profit Housing Counseling Agencies to be Focus of IRS Examinations

From How to Get Out of Debt

What spells good news for American consumers, spells more bad news for the debt relief industry. According to TransUnion, the national credit card delinquency rate for people more than 90 days past due has dropped to 0.73% from last quarters 0.78%. In addition the average credit card debt per borrower decreased by $242 to $4,962. [...]

Read the full article at GetOutOfDebt.org, click here: Credit Card Delinquency Rates Continue Decline

From How to Get Out of Debt

“Dear Jon, my name is manish.i have lived in UK for 5 years and have some debts.i have come back to my home country because my student visa was running out..it has been 2 years since i have come back from UK. can i travel back to UK, if i had some old UK debts?is [...]

Read the full article at GetOutOfDebt.org, click here: Can I Get Into the UK if I Have An Old Debt There? – Manish

From How to Get Out of Debt

When it comes to free credit reporting products, I mean really free, the services are hard to find. Sure, there have been all sorts of teaser products offered that then signed you up for paid services but where does someone go to find their actual credit score? Until a year or so ago the online [...]

Read the full article at GetOutOfDebt.org, click here: Truly Free Credit Scores and Daily Credit Monitoring

From How to Get Out of Debt

“Dear Steve, I made some bad credit decisions back in 2008 or 2007. A company called The Financial Expert Group, Inc 26650 The Old Road, Suite 110,Stevenson Ranch, CA 91381 is telling me if I pay them $5400 they can make this debt go away for every. Carol” The Answer: Dear Carol, Save your money. [...]

Read the full article at GetOutOfDebt.org, click here: The Financial Expert Group Says for a Fee They Can Make My Bad Credit Go Away. – Carol

From How to Get Out of Debt

“Dear Steve, I started out with nothing graduating from a private christian home. However I have accrued a $3,000 or more student loan. The first college I tried going to was a big money racket but i didn’t know that, now I do. I have about a $1,500 credit card debt that is already in [...]

Read the full article at GetOutOfDebt.org, click here: We Don’t Make Enough Money to Repay Our Debt. What Do We Do? – Melody

From How to Get Out of Debt

Consumer Statement: A company called Superior Marketing also known as Streamline Online LLC called me on 10/31/2011. Talked me into paying them $255.00 for online shopping mall and referral site, $5.00 for administration fee. Next I was charged for $400.00 for Pre-fabricated 30 second television commercial – gratis, Television Air Time Slot (30 Seconds Each) [...]

Read the full article at GetOutOfDebt.org, click here: Superior Marketing / Streamline Online – Consumer Complaint – 5-15-2012

From How to Get Out of Debt

“Dear Steve, I was with Note World Settlement for a long time. After them not being able to settle with Discover after 7 year. They told me Discover could NOT do anything to me any more (staute of limiation law) I live in WI. Now I got a bill from Discover for the full amount [...]

Read the full article at GetOutOfDebt.org, click here: Noteworld Could Not Settle My Discover Account and I Now Think It’s Expired Under the Statute of Limitations. – Mary

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