Insignia Launches New Rewards Credit Card

16 Dec 2011 | by Porfirio Hillman | No Comments »

It’s time to welcome yet another rewards credit card to the market. Insignia, a lifestyle management company, will soon be offering a new rewards point card to its richest clients.

The new card is the Label Visa Platinum credit card is a unique multi-currency credit card that can be used around the world. The beauty of this card is that consumers can travel the globe and charge trinkets, clothing, whatever they would like and steer clear of exchange rate charges.

In addition to saving cardholders money on rates, the card is also Insignia’s first reward credit card. The rewards are accumulated as points and can be used in exchange for a large array of goods and services (luxury, of course).

Cardholders can then browse through the Million Rewards brochure to find a reward that best suits them. Som

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Tags: Card Credit Card Rewards Credit Rewards Credit Card

New, Thicker Credit Report Worries Privacy Experts

14 Dec 2011 | by Billy Miller | No Comments »

As of this month, lenders have an even wider window into your successes and failures in managing your finances.

A company called CoreLogic has developed a new credit file that contains loads of data that some of the traditional credit bureaus don’t record on more than 100 million people in the U.S.

That information can include whether you pay your rent or child support on time, whether you’ve applied for a payday loan or been evicted or even whether you’re behind on your homeowners’ association fees. Now, if you owe more on your house than it’s worth, it could show up on your report.

The report captures information beyond the radar of traditional reports such as details on homes paid for with cash, or homes gifted to someone or mortgages made by lenders who don’t report to the traditional credit bureaus. The company

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Tags: Credit Credit Report

Payday loans: the APR is sky-high, the pain is higher still

10 Dec 2011 | by Porfirio Hillman | No Comments »

Retailers are reporting gloom and doom on the high streets of Britain, but there is still one sector that is expecting to do big business this Christmas: payday lenders.

Online lender Ferratum claims that more than 2 million people have already applied for payday loans, and Ian Porter, the company’s UK sales and marketing manager, says: “We are already seeing a significant increase in applications for our micro-loans and we still have weeks to go until Christmas Day.”

Payday loans – the lenders prefer to call them short-term or micro-loans (a term more commonly associated with tiny loans to women in developing countries to help them start home businesses) – are designed to tide borrowers over until their next pay cheque. The money is usually provided quickly: Wonga boasts it can decide in seconds whether to lend and pays cash into your account within 15 minutes of a loan being approved. The

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Tags: Still

6 empty promises credit card companies make

09 Dec 2011 | by Mildred Matthews | No Comments »

Guest blogger Kalen Smith holds an MBA in finance. He discusses financial topics such as investing, credit cards and economic policy on the Money Crashers personal finance blog.

Credit card companies know what features their customers are looking for and naturally use the information to make their terms sound as compelling as possible. For example, they may capitalize on existing legislation designed to protect consumers, and they definitely make liberal use of “the fine print” to qualify their glorious-sounding offers.

In other words, many of their policies aren’t as great as they make them out to be, so don’t be fooled. Know what you’re really getting before you sign up. After all, the last thing you want to do is make an important financial decision based on terms that you don’t understand.

Before you purchase a credit card, make sure you fully understand its terms and conditions, especially when it comes to card offers. H Full Post…

Tags: Card Companies Companies Credit Card Credit Card Companies
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