When you go to buy a house and you start applying for mortgages there are many things that you should take into consideration. First of all, never buy a house that you feel the mortgage payment will be too much for you to afford. This is a trap and can cause you to go into foreclosure so fast that your head will spin. Instead, find a house that is listed in the right price range so that you know you will be able to come up with the monthly payment every month without fail. Proper mortgage financial planning is imperative. If you are just buying a house for the first time you may want to Find a financial planner in Alabama to consult with to make sure that you understand what all of the options you are being offered are and what they mean. Full Post…
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What benefits have cash back credit cards?
Using credit cards can be very beneficial for you, if you take out a reward credit cards. People who choose credit cards without different rewards make a financial...
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How to find the most valuable reward credit cards offer
Cash back reward credit card was created to help you get cash back as a premium for using credit cards of a particular company. Yet, as is usually the reality of a deal...
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Credit cards for your business and needs
Our economy today gives everyone with additional challenges. Businesses have been particularly hard pressed to stay rival and to keep floating amid difficult financial...
What Credit Reports Do I Get With The Risk Based Pricing Rules
When consumers begin receiving their notices pursuant to the new Risk Based Pricing rules that went live on January 1, 2011 they will receive one of two notices. The first is the Risk Based Pricing notice that simply states that the creditor uses risk based pricing and that they didn’t get terms as favorable as others have gotten. The second notice is the Score Disclosure Notice, whiches with the score used to make the decision. I wrote about this at length here.
Here’s something to consider when you begin receiving these notices…the credit reports that you can claim for free aren’t exactly the same. First off, both notices contain “get your credit report here” language, but that’s where the similarities end.
The credit report that you’re directed to by the Risk Based Pricing noticees directly from the credit bureau where the data was purchased by the lender. And, most importantly, that report does NOT count against your allocation of free credit reports as provided by the Fair Credit Reporting Act.
The credit report that you’re directed to by the Credit Score Disclosure noticees from Annualcreditreport. And, that one DOES count against your allocation of free credit reports as provided by the Fair Credit Reporting Act.
Keep that in mind when/if you start getting letters from your letter that notify you of your credit score.
AARP Credit Card: Unlimited 5% Cash Rebate on Everything for 6 Months
The AARP Platinum Visa card has an excellent new offer, evoking memories of the good ‘ol days of the now-defunct Citi CashReturns card: an unlimited 5% cash back rebate on all purchases for 6 months.
After the first 6 months, the card earns a 3% rebate on travel-related purchases and 1% on everything else. Rewards are earned as points, which are redeemed at a value of one cent per point. For example, 2,500 points can be redeemed for a $25 check. There is no maximum number of points that can be accumulated in the program.
Before you rush out to apply, do first note that you must be an AARP member to be eligible for this offer. If you are not already an AARP Member, you can join by calling 1-800-424-3410 or visiting www.aarp.org.
What is the Discover card’s grace period?
A: Sure. You didn’t mention which Discover card you have, so I will go over the grace period for their most common cards. As of January 2011 they are as follows:
Discover More This is their most popular card which gives 5% cash back in rotating categories. The grade period for the Discover More card is 25 days after a billing cycle closes (with the exception of billing cycles that begin in February, in which the grace period is at least 23 days).
Discover Escape This travel rewards credit card gives a full 2% rebate on every dollar you spend. Its grace period is the same as the More card.
Discover Miles This is their no annual fee travel card that gives 1 mile per dollar. The same grace period rules apply.
Discover Open Road It gives double cash back at both gas stations and restaurants. T
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