The Cheapest Credit Card Options

26 Nov 2011 | by Mildred Matthews | No Comments »

While credit cards can be a convenient way to access additional funds they are not always the most affordable option.

Credit card features like interest rates, annual fees and even rewards will affect the cost of keeping a credit card, making it important to consider these elements when trying to find the cheapest card for your lifestyle.

While the value of a credit card will often come down to the individual, there are some cards, like the three below, that provide some of the most affordable card options currently around.

Bankwest Zero Gold Credit Card

Credit card management is made a lot easier when there is no annual fee to worry about but often this means interest rates of 20% or more.

Fortunately Bankwest’s Zero Gold credit card has stepped up the game in this category and offers a purchase rate of 17.99% p.a. a

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Tags: Card Credit Card

SBI and Moneygram ink remittance deal

19 Nov 2011 | by Mildred Matthews | No Comments »

The largest lender of the country, State Bank of India has inked a deal with remittance provider, MoneyGram international whereby in-bound fund transfer services of the latter would be facilitated by the major branches of SBI.

Speaking on the tie up, MoneyGram International’s executive vice president for the Americas and Emerging Markets, Dan O’Malley said, “Adding SBI to our agent network immensely increases consumers access to the company’s services across India. The Bank’s locations throughout India will make it be more convenient than ever to receive money wherever you are in the country.”

Presently 100 branches of SBI will be incorporated as part of the pact to initiate the process.

 

Tags: Deal

4 Steps to a Better Credit Card Interest Rate

19 Nov 2011 | by Billy Miller | No Comments »
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Dear Erica, If I’m a good customer and have always paid on time, can I ask my card issuer for a lower interest rate? Or do I have to apply for a new card to get a better deal? Also, does it matter that I’m young? I worry sometimes that I don’t have enough of a credit history to negotiate with creditors (I got my first card in 2007). Michelle Dear Michelle, You can ask your credit card issuer for anything! Well, within reason. I wouldnt bother hitting them up for a Labradoodle puppy. But a reduced interest rate for being such a fine customer? Of course. Here’ Full Post…

Tags: Interest Rate Rate

Consumers Taking on Less Credit Card Debt

17 Nov 2011 | by Porfirio Hillman | No Comments »

Although U.S. consumers were comfortable taking on more debt in September, they kept their credit cards in their wallet.

The latest data from the Federal Reserve showed that consumer borrowing grew by $7.4 billion in September, which is an increase of 5.8% from August. According to the report, Americans spent the extra money on more big ticket items like cars and college tuition. However, credit card spending dropped by about 1%.

September’s decline in credit card debt followed previous sharp drops in August and July. The article also explains that since September 2009, which was the height of the financial crisis, credit card usage has declined by 19%.

September’s data from the Federal Reserve also confirms other reports showing the trend that consumers are trying to pay down their credit card debt. Acc

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Tags: Credit Card Debt
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