We all admire celebrities for their looks, talent, and many other things. In fact, most of us see them as our role models. We try to become like them, follow their fashion sense, adapt their looks, follow their lifestyle, and even their spending habits. However, often times we forget that celebrities are also human beings. They are not perfect and they can make mistakes. No matter how much they earn, it is not necessary that they know how to manage their finances.
And because of this, many famous personalities land up in huge debts by overrunning their income. Let us look at the top 10 celebrities who have had bad credit scores.
You have just completed your graduation and you’re looking for your first job. As we know, with age, comes many responsibilities. Now, you know that you need to spend your money responsibly. You just can’t extravagantly use your money; as now it’s about your own hard-earned money, not just your pocket money.
Among various other major decisions, you decide to sign up for your first credit card. However, before doing that, you must know some crucial things about credit cards and their rules and regulations. Even if it’s not your first credit card, you should know what you’re getting into. So, read on and find out about the 15 things that you must know before you apply for a credit card.
Credit card issuers and companies resort to various methods, in order to sell their cards. They spend billions to get customers to sign-up for their credit cards. Whether they take the route of psychological marketing, rewards programs, or customized cards with family photos, everything they do has the same purpose, increasing their client base. However, as users of credit cards, it all seems good at first, but at the end of the month, when your credit card bill arrives, you feel like getting rid of all the cards you possess.
Credit cards, thus act like double-edged swords. They can help you invest as well as squander your future by landing you in huge debts.Therefore, your ability to manage multiple credit cards is important. And, to get you out of this difficult lifetime mess, we have come upwith 15 ways through which you can avoid overspending on multiple credit cards; hence saving a lot of money for you and your family.
Credit cards usually come with various fees, charges and interests. Some of them are plainly written on the credit agreement, whereas some are hidden in its terms and conditions. It is advisable to go through the fine print, and then only sign up for the card. The fees can come in the form of annual fees, cash advance fees, late payment fees, balance transfer fees, high interest rates, etc.
All these charges can be avoided if you are careful. And some of them are worth paying for, if you get something valuable. The common way of avoiding credit card fees is by finding a different card or by changing your usage habits. Apart from this, there are other ways too, through which you can avoid unusual credit card fees. We have listed 15 of them.
Credit comes handy, when you know how to utilize it cleverly. It can help you to achieve your financial goals and other important aspects of your monetary life. Nowadays, a number of credit cards are available in the market but you need to decide which ones you can do without and which ones you really need. The trick is to know the reason as to why you require credit in the first place and to determine whether it will affect your finances positively or not.
We know how important your hard-earned money is for you. So, in order to make you aware about how you can use your credit smartly, while eliminating silly credit mistakes, we have listed 15 ways through which you can manage as well as use your credit wisely.
The tradition of credit is long been in existence. It is just the way of borrowing and lending has changed with time. In the former times, people took credit by keeping a mortgage and by paying interest on the principal amount. Later on, things changed with the birth of credit cards. Credit cards changed the definition of loans. Many people opted for this medium, as they thought that it is secure and safe. Moreover, taking loans became easy and quick. As loans were offered by legitimate financial institutions and banks, people trusted and relied on them to a great extent.
Credit cards and loans have become one of the most important parts of making a payment. They are used to buy anything and everything, from a house to a car, to finance a loan or to pay for education. So, it is better that you learn about your credit rights, rather than being ignorant. Even if you know about them, there are some rights that you may not know about. We have listed the 15 credit rights that you didn’t know you had.
The idea of having a prepaid debit card became popular in the 90s, a time when qualifying for a credit card could be difficult for some. But, people were still struggling with managing all these new accounts and making responsible decisions, plus mismanaging their payments led them down the road to bankruptcy. You would think that this would slow down the growth of the prepaid debit card, but that’s not the case. Americans are not slowing down their use of these cards and they are still on the rise. So, why not learn how to use them to your advantage? Here’s how…
Just about everyone in the world loves to travel… or at least I think they should. People love to use rewards cards at the grocery store and gas station in efforts to get free groceries and gas. So, why not do the same for traveling? And for people that fly all the time, they should make sure to have some sort of travel rewards credit card to earn points and miles toward free trips. But, there’s a whole world of people who travel and have no idea how to collect points and miles to get free trips.
People have been patiently waiting for one thing to happen more than any other… people have been waiting for summer. That’s right summer is finally back and it’s time to get out the house and get your travel on. Pack the cars, book the planes, bring the kids – it’s time to travel the world. There’s no better way to spend the summer months than traveling and creating memories. So, it’s time to find out what is the best travel credit card for you. Do you need flyer miles or hotel perks? Whatever your needs, there’s a card for you. Here’s 15 Credit Cards with the Best Travel Rewards.
Barclaycard Arrival Plus World Elite MasterCard
Whether you have excellent credit history or just good credit history, this travel card could be for you. Depending on your on your creditworthiness, your APR could be 14.99% or 18.99%. And if you are looking to do a balance transfer, it will cost you $10 or 4%, plus 0% into APR for the first 12 months. With this card, you are able to earn two miles per dollar on all purchases.
Whether you are a first time credit card shopper or have had plenty of credit cards, shopping for credit cards can definitely be a pain in the rear end. How are you supposed to know what is best for you? Do you want a low APR or is it important to you that you get rewards for your spending? Or maybe you are looking for a credit card that you can transfer an outstanding balance to. But, you could just be looking to rebuild your credit from a few years of late payments. Whatever you are looking for, here are the Best Credit Cards of 2015.
Best balance transfer card
People can hide from paying painful interest fees on a large balance is by getting a card that will accept their previous balance. With Chase Slate, there’s no annual fee and no balance transfer fees, but only for the first 60 days. Good thing people usually transfer their balances right away. Plus, there’s 0% APR for 15 months, on both the balance transfer and purchases. Just make sure you have a credit score over 660.
Best balance transfer card
The Discover it card has been listed under almost every category Best balance transfer and Best rewards credit card. The card pays 5% cash back, with the categories rotating in 3-month cycles – that need to be signed up for and 1% cash back on all other purchases. The 0% APR offer on both purchases and balance transfers, with plans for 6 months to 18 months and no annual fee.
Barclay Arrival Plus World Elite MasterCard
Best card for traveling
Whether you are a frequent traveler or want to earn points for your next vacation, this award winning credit card is a good option for you. The perks of this card include no foreign transaction fee and earning $2.20 each time you spend $100, for both hotels and flights. If you spend $3,000 within the first 90 days, you just earned 40,000 bonus points. Plus, there are several bonuses for the mile you travel.
Capital One Venture Rewards
Best card for traveling
Being able to travel at anytime is a big deal. Waiting around to see what dates are available for vacation does not work for everyone. But, if you have the Capital One Venture card, there are no black out dates, no foreign transaction fees, and the miles are unlimited, and won’t expire. During the first 3-months, earn 40,000 bonus miles when you spend $3,ooo in purchases.
Bank Americard Travel Rewards
Best card for traveling
When traveling overseas, one of the biggest things to consider for a credit card is if there are foreign transaction fees. Good thing the Bank Americard doesn’t have any foreign transaction fees or an annual fee. There’s a 0% introductory APR for 12 billing cycles. During the first 90 days, 10,000 bonus points can be earned, when $500 in purchases made. Plus, there’s no blackout dates and benefits to Bank of America Customers.
Citi Double Cash Card
Citi likes to do something special with their offers – where you earn 1% when you make the initial purchase and another 1% when it gets paid off, hence the name Citi Double Cash card. There’s 0% APR for 15 months, on both purchases and balance transfers – with a$5 or 3% fee for the transfer and no annual fees. Plus, there are no category restrictions, no enrollments, and no caps.
Blue Cash Preferred Card from American Express
If you use your credit card for gas or groceries, then this is a great card option for you. Earning 6% at supermarkets, 3% at gas stations and specific department stores, and 1% on everything else. Plus the rewards are automatic – so no signing up constantly. There’s 0% APR for 15 months, on both purchases and balance transfers – with a 3% fee for the transfer and a $75 annual fee.
USAA Cash Rewards American Express
This American Express Card is good for groceries and gas, as well. With this card, you can earn 5% cash back on gas for up to $3,000; 2% cash back at the supermarket for up to $3,000 each year; and 1% cash back on everything else. Plus, there’s no annual fee. This card is special, especially for those in the Military. They get offered numerous special benefits, including help during deployment.
Best card for good credit
So, you have missed a few credit card payments, but you have been able to push your credit score into the good category (between 660 and 724). Chase Freedom allows you to rotate quarterly and earn 5% cash back, plus there’s a 1% for all other purchases. There’s no annual fee to worry about and a $100 bonus, when you spend $500 – during the first three months.
Barclay Rewards MasterCard
Best card for average credit
This MasterCard is a great way to rebuild your credit score and earn rewards at the same time. With this card, earn 2 points per $1 on groceries, gas, and utility, plus earning 1 point per $1 on everything else you need. With no annual fee, this card makes it easy to rebuild your credit score. And one of the perks of having this credit card, is the complimentary FICO score for members.
Capital One Secured MasterCard
Best card for rebuilding
If you are someone that has credit and it’s in pretty bad shape, this Capital One Secured MasterCard is definitely a great option for rebuilding. With a minimum of $200 for a security deposit, it will get you a $200 credit line and as you improve your credit worthiness – your line of credit can increase. You will also be reported regularly to the major credit bureaus. Oh, and there’s no annual fees.
Capital One QuicksilverOne Cash Rewards
Best card for fair credit
This MasterCard is one that is relatively easy to get if you do not have excellent or good credit, but rather average or fair credit. This rewards card doesn’t have rotating categories, no sign ups, and fraud coverage for lost or stolen cards. There’s 0% introductory APR on purchases and balance transfers till 2016 – with a 3% transfer fee. And after 5 months of on time payments, you can apply for a higher line or credit.
Most credit cards offer 15 months for their 0% APR introductory offer, but the Citi Simplicity card offers 18 months for their offer, plus no annual fee, late fees, or penalties. No late fees is great news for those that are late on their payments every now and then. Don’t be scared of the 3% balance transfer, but this card allows you to pay that balance off with no interest fees for 18 months.
Discover it For Students
Best card for students
Thank goodness for online reviews because college students would have no idea where to look for a solid credit card. There’s a 6-month 0% APR introductory offer, which gives students a little time to payback a portion or the whole balance they previously racked up. There’s also no annul fee and no foreign transactions fees. This card also comes with a few perks, like earning 5% cash back on purchases up to$1,500 and 1% on everything else.
Ink Cash Business Card
Best card for businesses
This Chase Business card is pretty awesome. With no annual fees and 0% APR introductory offer for a full 12 months – giving businesses a chance to make payments without interest. If businesses spend $3,000 during the first three, they earn a $200 bonus. For office supplies, phones, internet, and cable – businesses earn 5%; 2% on restaurants and gas stations; and 1% on everything else.