Recovering From Credit Card Debt

The following article lists some simple, informative tips that will help you have a recover better from your experience with credit card debt.

credit cards

Credit card debt is a major cause of over one million bankruptcies each year. The reason is that many people get a credit card without researching and reading the fine print. By the time annual fees are added on, along with spending indiscriminately, payments are missed, which causes their balance to skyrocket.

Although we all like to place the blame on the credit cards and the credit card companies, you need to keep in mind that the real cause of your financial mess is you.

One shopping spree does not usually cause high debt. It is usually a pattern that consists of gradually increasing purchases that add up to a large debt. The great thing is that it can be very easy to get out of debt. The key is to start spending less than you make. This is a long-term solution that can help you to whittle your debt down.

If you find yourself confused by what you’ve read to this point, don’t despair. Everything should be crystal clear by the time you finish.

Although it may sound simple, it can be very difficult if you have a problem with willpower. It is important to stick with spending less than you make or you will find yourself in exactly the same place as you were before. Overcoming your debt will take willpower and a great deal of time.

It may be difficult to stick with your debt repayment program, but keep yourself strong and you will find yourself out of debt before you know it.

It is important to learn how to get out of debt and then stay out of debt. If you can summon enough willpower and strength towards your finances and spending, then you will find yourself the winner in the game of debt. It may be easy to get into debt, but getting out of debt is much more difficult, but worth it.

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One simple phrase can sum up the solution to your financial problems. If you don’t have the money to spend, then don’t spend it!

So now you know a little bit about credit card debt. Even if you don’t know everything, you’ve done something worthwhile: you’ve expanded your knowledge.

Apply For Your Credit Card Online

Recently I got started marketing credit cards over the internet, and I just thought you might be interested in one of the countless offers I have for you. Check it out, here’s the link: Credit Card Wishes.


Credit Cards

We offer tons of great cards from all the major worldwide banks. Feel Free to get in touch with me to ask any questions about this great new enterprise, as I’m sure you’ll have plenty. In the meantime, go ahead and Apply For A Credit Card Online Today.

Credit Card Scam Alert

There is a new Credit Card scam that is being promoted by scammers. This one is pretty slick since they provide YOU with all the information, except the one piece they want – your CV number. Please read the information very carefully:

The callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you’ll be better prepared to protect yourself. One of our employees was called on Wednesday from “VISA”, and I was called on Thursday from “Master Card”. The scam works like this: Person calling says, “This is (name), and I’m calling from the Security and Fraud Department at VISA. My badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I’m calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona?” When you say “No”, the caller continues with, “Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pat tern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is
> that correct?” You say “yes”. The caller continues – “I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. “Do you need me to read it again?”

Here’s the IMPORTANT part on how the scam works. The caller then says, “I need to verify you are in possession of your card.” He’ll ask you to “turn your card over and look for some numbers.” There are 7 numbers; the first 4 are part of your card number, the next 3 are the security Numbers’ that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he’ll say, “That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?” After you say, “No,” the caller then thanks you and states, “Don’t hesitate to call back if you do”, and hangs up. You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. Long story – short – we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card. Don’t give it to them. Instead, tell them you’ll call VISA or Master card directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you’re receiving a credit. However, by the time you get your statement you’ll see charges for purchases you didn’t make, and by then it’s almost too late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a “Jason Richardson of Master Card” with a word-for-word repeat of the VISA scam. This time I didn’t let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening. Please pass this on to all your family and friends.

You can read more about this at Snopes.com.



The Credit Cards Experience

Having a credit card really makes shopping a lot easier. I remember the days when people would have to walk around with large sums of cash whenever it is they were going to do some business transactions. This was very dangerous because persons became the target of thieves and were constantly being robbed. Now money is more secure and attacks on people in this manner has lessened considerably over the years since they do not need to carry around large sums of cash anymore. So I believe that credit cards have done a world of good for mankind in general, once used wisely.

Credit cards are much more than they may seem on the surface. There are different types of credits cards that have varying credit limits and times for repayment, which on average is 30 days. The amount of suppliers of credit cards is also astounding and they have been adding different incentives to draw customers to their credit cards. Suppliers like Barclay Card Platinum, Virgin, Citi, and MBNA offer 0% balance transfers as part of their credit card deal. Then there are suppliers like Egg and Sony who offer 0% purchases, while others like Amex Nectar and Goldfish offer rewards and cash back. These 0% credit cards have really helped a lot of people to buy what they want now and pay later.

Getting a credit card today is very easy as you can even apply online for one. One place you can check for these 0% credit cards is The Thrifty Scot. They offer these cards, and more, and are available to help you to secure your own card as soon as you are ready. You can even read up on articles related to credit cards that will help to make you a better user of them. I have used credit cards and have had no problems with them. You too can feel the “cash-less” freedom by getting your own credit card.
The preceding was a paid post.

Low Interest Credit Cards

All over the world, credit cards are used to buy just about everything. It is interesting to note that for purchases under $5 persons have been known to use their credit card to pay the bill. There are many financial institutions that provide various types of credit cards for personal and business use. Depending on what a person earns, their credit limit is set so that they would be able to make their credit card payments without much trouble. A common factor among credit card users is that they all want a Low Rate Credit Card. The lower the interest they have to pay is the more manageable their payments will be.

When deciding to obtain a credit card, it is sensible to compare the different types to see which is best for you. You can go online and can check CreditCardSearchEngine.com. They are one of the Internet’s longest running sites for online credit card comparison. What they do is allow anyone who wants to get a credit card, be it a consumer, business or student, to search for then compare and apply for all the various types of credit card offers. These offers range from low interest and reward cards to cards for persons who have bad to average credit. This world renowned credit card comparison site offers info on the best and most used credit cards in the world. The list includes leading U.S Credit Card issuers like J.P. Morgan Chase, Citibank, and Bank of America who offer the leading brands like Visa, MasterCard, Discover Card, and American Express.

So if you need to compare credit card offers, check CreditCardSearchEngine.com. Low interest credit cards are available from all the top credit card issuing companies, which means that you are sure to find the right one just for you. If you are interested in other types or categories of credit cards, they have them too. Apply online today for the card that fits your budget.

Mint Credit Cards

The use of credit cards has increased over the years. Almost everybody has one and they can be used to purchase just about anything. They are the main way to pay for goods and services purchased online, over the telephone, in stores, at gas stations, and many more places. Now credit cards have moved into a new dimension. Their shape has, for the first time, changed. The mint credit cards which were introduced by MINT in 2003 are available in two versions.

The mint credit cards come in standard and the MC2, the latter having the bottom right-hand corner removed. It is an attractive card also because, until December 1, 2007, there is 0% interest on balance transfers and purchases, and a 0% bonus offer on balance transfers that are debited to your account during the period February 2008 to August 2008. This will surely get the attention of many persons who are looking for a real bargain this year. A visit to the MINT website will reveal all the benefits and features of the credit cards, their online servicing, mobile service, various offers, and you can apply online for their credit cards.

MINT also offers the Mint Gift Card which was released in September 2006. The Mint Gift Card is a pre-paid credit card that persons can give a friend or relative as a gift for that special occasion or for any other time. This beats giving yourself a headache over trying to figure out the perfect gift to buy. It can be used at most retailers anywhere in the world, personalised with a message of your choice, and the owner can track the balance through free text message alerts. So, between the Mint Credit Card and the Mint Gift Card, you are sure to find that one or both of them suits you in some way.

This was a paid post.

Credit Cards – God and Bad

Many of us shop online and use credit cards to pay for our purchases. I have used credit cards to purchase various items and I find them to be quite convenient. They are ‘good’ as long as one makes purchases in line with their credit limit. They become ‘bad’ when individuals max out their credit cards and end up in debt. I do my best to ensure that I stay within my limits. As such I have no problems paying my credit card bill each month. What about those who continually put themselves in a debt-riddled position?

There are websites on the internet that provide up to date credit card news that can prove to be very helpful to credit card users. Such information can be found easily by doing a search online. Credit Cards GB, for example, provides this information and also provides credit card advice to help persons who are confused about which card to apply for. You can get comprehensive credit card advice that is easily understood, making you aware of the many different types of cards and how to make a good choice.

As I stated earlier, credit cards can be good or bad depending on how they are used. My advice to you is to get the facts before applying for a credit card and if you decide to get one, try your best to spend within your credit card’s spending limit. You do not have to end up in a pile of debt that will eventually ‘drown’ you. Even if you decide to max out your cards, ensure that you will have the money to pay the bill when it comes around, without breaking your pocket.