Why a Gulf Oil credit card account is bad for rewards

04 May 2011 | by Porfirio Hillman | No Comments »

With the price of oil at such stratospheric levels lately, even people that hate credit cards are considering them, merely for the gas rewards. So how does the iconic Gulf Oil stack up to the competition? These are the different accounts they offer:

Gulf Card – This is a no frill standard-issue gas station card. It can be used at Gulf stations and that’s it. There are no rewards offered. On the website they advertise this one as “a great way to build your credit” and I would agree – when you have bad credit, you have to take what you can get! But anyone else would be foolish to apply for it since it doesn’t offer any perks.

Gulf Fleet Card – These are for businesses that buy a LOT of fuel! The basic version is free but the “commercial” and “universal” versions charge a monthly fee of $1 or $2 per card. Now you can get a gas

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Tags: Credit Card Gulf Oil Rewards

How do student loans impact my credit reports and scores?

02 May 2011 | by Billy Miller | No Comments »

Some people have not taken their student loan obligations seriously and are now paying the price for NOT paying the price. Under most conditions student loans are not forgiven and can’t be included in a bankruptcy.  They can also hang out on credit reports much longer than normal defaulted debt.

How are student loans considered in my credit score?

Student loans are considered an installment loan, which is the same category that includes mortgages and auto loans.  If the loan is deferred, it is still reported on your credit report and is classified as “deferred student loan”, which is considered in your credit scores.  There is no credit limit reported on a student loan. If you d

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Tags: Loans Student Loans

You Don’t Have to become the Next Identity Theft Victim

01 May 2011 | by Mildred Matthews | No Comments »

Identity theft has grown by leaps and bounds on a national and international level over the last, few years and, by the looks of it, 2011 may be just as challenging for individuals trying to protect their identity and their credit.

You don’t need to stand idly and helplessly by, however, as there are a number of things you can do to reduce the likelihood that 2011 will be the year your identity is stolen and your credit is ruined. Here’s what to do:

  • One of the most common types of scams involves “phishing,” which is essentially thieves who fish for your confidential, personal information and credit card account information. Phishing works when a thief sends an email to you that appears to be an email from your credit card company or bank. These p

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Tags: Identity Theft Theft

Sony PlayStation hack: What to do if you’re a customer

30 Apr 2011 | by Porfirio Hillman | No Comments »

The Sony PlayStation Network security breach may have put your personal details at risk, possibly including your credit card information. Here’s what you should do now.

Sony is warning customers of its PlayStation Network that hackers have obtained the following information from its servers:

Name
Address
Country
Email address
Date of birth
PSN login and password

If you are a PSN customer, here’s what you should do now:

1. Change your passwords
Many people use the same password for multiple websites. If you use your PSN password on other sites then it is essential that you change it as soon as possible. Go to the website concerned then login and look for an option to change your account details. Choose a new, secure password.

2. Con

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Tags: Sony Sony Playstation
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