Citi Thank You Points: How To Maximize Your Rewards Value

19 May 2011 | by Porfirio Hillman | No Comments »

When the Citi Thank You network was first launched it was hailed as being the future of banking: relationship-based rewards for having multiple accounts. Yet now, nearly a decade later (it was launched in ’04) we have seen very few major banks come out with similar programs. Why not? And what are the pros and cons? Just because I advertise their cards doesn’t mean I’m going to hold back on telling you both the good and bad that comes with this rewards program…

  • If you have a qualified Citibank checking account and Citi credit card, the points you earn from them go into one Thank You account. Obviously, this makes it easier to rack up rewards fast.
  • The Citi Thank You rewards program continues to grow larger and I expect the variety of redemption options to keep getting bigger. Why? Because

Full Post…

Tags: Citi Thank Rewards

Clear from American Express®

17 May 2011 | by Porfirio Hillman | No Comments »

The Clear from American Express® is known for being clear and simple. You can enjoy having no annual fee, no late fees, no balance transfer fees, no over-limit fees, and no cash advance fees with a Clear Card. This card is designed for those that want a simple way to earn rewards for your spending. With this card you get all the great protections offered by American Express.

  • Enjoy Automatic Rewards: Get a $25 American Express® shopping card for every eligible $2,500 you spend on your Card.
  • Flexibility to Pay Over Time: You decide if you want to pay charges over time or pay in full just another way to simplify your finances with Clear.
  • Powerful Shopping: We can extend the length of the original manufacturers warranty up to one additional year on your eligible purchases that have U.S. w

Full Post…

Tags: American Express® Express®

The Top Four Reasons why Debit Cards may not be so Convenient After All

16 May 2011 | by Mildred Matthews | No Comments »

It may seem like the best thing to do in this economy is use your debit card instead of your credit card. Although debit cards serve a useful purpose, it is important to understand that they may not be the best choice in every situation. And here’s why:

  • Debit cards, although they provide protection from fraudulent purchases, may end up giving you a large headache because your checking account can be drained in the process.  Waiting for your bank to investigate a case of fraud and replace your checking account balance can be difficult because you may not have access to cash during this time, which means you could have bounced checks and the like.

  • Often times, if you use a debit card at hotel and gas stations, they impose debit card blocks, which means they charge anywhere from $1 to $100 for up to a few days, which means your access to cash in your checking count could be compromised during this time.

  • The use of skimmers by credit card thieves has put many debit card users at risk for fraud. Sk

Full Post…

Tags: Debit Cards May

What’s The Fair Debt Collection Practices Act (FDCPA)?

16 May 2011 | by Billy Miller | No Comments »

If your debt has been turned over to a 3rd party collection agency, you need to be familiar with the Fair Debt Collection Practices Act or FDCPA.  The FDCPA governs what collection agencies can do to collect consumer debt and is enforced by the Federal Trademission (FTC), which is the U.S. consumer protection agency.  It prohibits debt collectors from using abusive, unfair or deceptive practices to collect from consumers.

A debt collector is someone who regularly collects debts owed to others.  Debt collectors include collection agencies, lawyers andpanies that buy delinquent debts and attempt to collect them.  This only applies to personal, family and household debts such as mortgage, car loan, credit card, and medical.  The PDCPA does not apply to debts incurred to run a business or topanies that are collecting for themselves, which is usually through an in-house collection department.

Here is a list of what collectors can and cannot do regarding consumer debt:

Debt collectors cannot

  • Contact - Debt collectors cannot contact you before 8 AM or after 9 PM YOUR local time.  They cannot contact you at work, if you tell them orally or in writing that you aren’t allowed to accept calls there. They ca

Full Post…

Tags: Collection Practices Collection Practices Act Fdcpa Practices Act
Page 17 of 100« First...10«1516171819»203040...Last »

Popular Posts

Archives

Similar Posts

My Partners

Recent Comments

Tag cloud

Meters Assistance Back Seven Business Credit Credit Card Debt Japan Disaster Assistance Money Card Debt Credit Scores Era Enabled Parking Credit Unions Disaster Assistance Best Online Debt Advantages Credit Report Online Debt Transfer Balance Transfer Federal Reserve Rewards Credit Loans Wells Fargo Credit Cards Enabled Parking Meters Fico Seven Parking Meters Best Online Debt Credit Score Cash Back Japan Disaster Rules Claiming back bank charges Mis Sold PPI Credit Card Great Bargain consolidate credit card debt Payment Protection Claims Rewards Credit Card Card Roth Ira balance transfer card

Follow Us