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How To Avoid Sneaky Card Charges

If you have just gotten a new card with a great rate, you might want to take another look. Although you might have secured 0% for the next 6 months, there are often a range of cleverly disguised fees and penalties to take into account. If you are unaware of them then these fees and penalties can really add up, and end up making your great deal cost you a lot of money. Here is some advice about how to identify and avoid these sneaky card charges.

Removal of benefits

One ...

credit cards,balance transfers,cash back,advice,purchases,news,credit cards uk,visa,mastercard

If you have just gotten a new card with a great rate, you might want to take another look. Although you might have secured 0% for the next 6 months, there are often a range of cleverly disguised fees and penalties to take into account. If you are unaware of them then these fees and penalties can really add up, and end up making your great deal cost you a lot of money. Here is some advice about how to identify and avoid these sneaky card charges.

Removal of benefits

One of the sneakiest charges is not really a charge at all, but rather a removal of the benefits that you have on your card. If you have a low APR or balance transfer rate, then you should not take these for granted. Although you might believe this deal is secured for the next 6 months as promised, this is subject to you meeting strict criteria. If you are even 1 day late with paying your bill, or go over your limit by the smallest amount, these offers can be taken away from you and replaced with a much higher APR. Although this is explained in the small print of the contract, many people overlook this and then feel the sting when their 0% credit card turns into a 20% one. Make sure that you know the conditions for keeping your deal, and then stick to them as best you can.

Balance transfer charges

Although some cards offer a 0% rate on balance transfers, that does not stop them charging you a handling fee for the transfer. Despite you not having to pay interest on the transferred balance for a period of time, it will cost you money to transfer the balance. If your balance is relatively low then you could be forking out a hefty percentage of the total amount. Make sure that you check the associated fees for balance transfers before proceeding.

Paying off the cheapest debts

Another procedure that can cost you money is the way that your card issuer pays off the balance you have. As you begin to pay off the balance, the card issuer can decide whether to pay off the higher rate part of the balance or the lower rate part. For example, if you have made a balance transfer of £1000 to your card at 0%, and then have £500 in new purchases at 17% interest, the bank is more than likely to pay off the 0% amount first so that they can make money in interest off the other amount. If you are going to get a new card, check out the way that the issuer pays off the balance, because if you can find one that pays the expensive part off first then you could save some money.

Penalty fees

Although your card might have low APR and a nice credit limit, if you don’t stick to making your payments on time then you could end up paying huge amounts in penalty fees. For example, if you have a balance of £990 on your card with a limit of £1000 and you don’t pay your bill on time, you could be hit with a £25 charge. This charge will put you over your credit limit, and trigger another £25 charge. Before you know it you could have paid £100 in charges just for being a day late with payment. Although some credit card charges are disguised well, it is important to read the contract thoroughly and check all the charges before signing anything. If you do this then you will avoid most sneaky card charges and be able to take advantage of your low rates.

 

How To Increase My Credit Points

In today’s fast paced world with ever increasing technology, and the constant flow of new luxuries, commodities and household appliances, it is difficult to find money to spend on all the many things we want and need. Many turn to buying on credit, enjoying products today and paying for them sometime in the future. Having good credit points is vital to having enough credit to buy all the new trinkets, gizmos, and whatnot we desire.

Unfortunately, many people make several...

credit score

In today’s fast paced world with ever increasing technology, and the constant flow of new luxuries, commodities and household appliances, it is difficult to find money to spend on all the many things we want and need. Many turn to buying on credit, enjoying products today and paying for them sometime in the future. Having good credit points is vital to having enough credit to buy all the new trinkets, gizmos, and whatnot we desire.

Unfortunately, many people make several financial mistakes that have negative consequences on their credit history. When trying to secure a loan or credit, whether for buying a house or car, or to obtain a credit card, you will be evaluated according to your credit history. If you have a low credit score, you will most likely be unable to obtain the credit you need. Learning to improve your credit points and maintain them at optimum levels is vital to having the credit you want.

Most important to keeping your credit points at high levels is paying your bills on time. Whenever you secure a loan or credit, always pay the bills before they expire, this will show lenders and analysts that you take your credit seriously and are financially responsible. Avoid paying minimum amounts on credit card bills, to do so is not synonymous with careful planning. Paying minimum amounts on credit card bills means extra interest and leads to financial disaster. Plan ahead carefully, use your credit card when you must, but do so wisely, insuring that you will have enough money to pay the bill in full.

Avoid applying for too much credit at once, both with loans and credit card companies. Applying for more credit than you are worth is a sure way to get rejected, as is applying for several different credit cards at the same time. If your credit request is rejected, not only will it have negative effects on your credit score, but it will increase the chances of other creditors rejecting you as well.

Using a credit card is a good way to build up a solid credit history, but it also requires great attention. Even though you may not have a very high limit, by using even a small amount of credit and paying it off on time, you show lenders that you are committed to your financial obligations. This is vital to securing larger loans you may need in the future when planning to buy your home or vehicle, or looking for substantial loans for opening a business. On the other hand, be careful not to go over your limit, as this shows signs of being imprudent. Keep careful tabs of how much you’ve spent on your credit card, and stay away from your limit.

 

How to protect your credit when making purchases online

Have you been avoiding the wonderful world of online shopping due to the fears of protecting your financial information? Read on to learn how you can safely shop online!

credit card, online purchases, protect credit, shop online, personal finance

In today’s society more and more people are abandoning traditional means of shopping like malls and flea markets for more tech savvy and less time consuming methods such as online stores and auctions.

Initially many people were concerned about protecting their credit when making purchases online but the web has become a buyers market as of late. If you haven’t indulged in the wonders of online shopping due to fears of fraud then read up because this article is all about how to protect your credit when making purchases online.

With a multitude of encryption, password intense stores and computer firewalls, online shopping has become quite safe. As a busy mom, I make most of my purchases online because I don’t have the time to run to 10 different stores. When making any purchase online, the first thing I suggest is to research who you are buying your items from.

If it is an actual online store see if you can find feedback about the establishment through search engine research. If you are making your purchase from an online auction service check what kind of feedback the seller has accumulated.

Many sites now require you to register with them when making purchases online at their store. This is another great safety feature as you must enter a username and password before making your purchase. As long as you remain the only person who knows the password you have a greater chance to protect your credit.

Another way to protect your credit when making purchases online is to read the fine print of your credit card company. While many credit card companies provide buyer’s insurance you should be sure to read the actual terms that your credit card company offers in regards to protecting your credit.

Also checking your card balance regularly will allow you to notify your credit card company as soon as you notice any illegal activity within your account. Some credit card companies will even call you periodically to review your past ten transactions!

I also recommend you reserve one credit card for online use. This will help you better keep track of online purchases and will be easier to discover fraudulent use if it has occurred (as opposed to keeping track of 5 to 10 different cards). Not to mention, if someone does get a hold of your information, they can only charge up one card while your others remain untouched. An extra precaution would be to choose a card with a relatively low credit limit.

Now once you get hooked on internet shopping, you must be sure to be safe on the computers you use. All too often people start clicking away on public computers and fail to realize that they had never logged out of the store in which they were shopping. Most sites will not enable users to go back on pages without reentering a password but always make sure you logout of sites just to be on the safe side. Also, enable firewall software on your computer if it is on a network so other people can not view the contents of your computer’s hard drive.

The overall key to protecting your credit when making purchases online is to be smart. Follow these simple rules and pretty soon you’ll be the one to tell your friends how to protect their credit when making purchases online. Happy Shopping!




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