| So Many Credit Card Companies which one is the best for you ,Its Hard To
decide but Some Online Reading can save you a lot of Dough In the Future ,so
check out the Credit card Companies Online before you Get one get the best
Credit card with Zero transaction charges & Zero Petrol Surcharge Seeing people buying food or shopping clothes using credit cards has
been commonplace these days. The phrase "Charge it!" has become a
favorite expression of card users, and has been commonly heard in shops,
dining places, and elsewhere.
After all, who does not want to use these credit cards? Easy to use,
these sleekly-designed cards can be used to buy practically everything
in commercial establishments regardless of how much (or less) money does
one carry money in his wallet. Short of cash and hungry? No grocery
supplies? Going to a party but no money to buy that dress you've been
drooling for? No problem! Your good ol' credit can care of that for you.
No worries.
1)Always keep a good track records of your purchases
2) Look out for hidden charges in statements
3) Go with Best ,Avoid New Credit card companies that have just
started ,you may end up with high fees
4)Check out Balance transfer facilities of each bank many offer 0%
interest that may save you money
5) Never give your CVV(three digit numbers on back of credit card)
numbers to anyone ,NOT even credit card employees to avoid fraud
6)HSBC & Standard chartered are best card Companies in industry
7)Always Try & pay Full amount due to avoid interest Charges
To get a Credit Card free Contact for any Assistance
A credit card spree may be fun, but that doesn't free you from
responsibilities in paying the expenses you incurred from using your
credit card. Credit cards, after all, are interest loans in disguise.
Typical credit cards ask for a number of charges, including:
"A finance charge, which is an interest charge for the unpaid portion of
your monthly bill;
"An annual membership fee;
"Or if you're paying after the deadline, there is also a late payment
fee which could have a higher interest rate.
In fact, many credit-card holders face credit-related problems. Poor
purchasing decisions, lack of information on credit card fees, and
disregard for upcoming credit payments are among the reasons why many
credit-card users are often hard-pressed in paying their debts. Some are
not even able to pay for the actual purchases they made, just barely
managing to pay credit card company charges.
Before you get drowned in a sea of debt, here are some tips to help you
manage your credit-related expenses:
"Be credit smart. Applying for a credit card application means you are
ready to assume the responsibility for paying your credit. You and only
you - not your parents, spouse, or whoever - is responsible for that.
"Use your credit cards wisely and sparingly. Remember: Paying goods and
services using credit cards are more expensive than using cash or
checks. Credit payments include interest and other fees. Use credit
cards as sparingly as possible. If you really need to use credit cards,
carry only the cards that you will actually use.
"Use credit only if you are sure you can repay it. Paying your debt on a
credit card using another does not count.
"Avoid impulse shopping on your credit card.
"Use credit for money emergency only.
Article Source: Michael Russell
Did you know you can Get Funds at 0% Interest for a stilpulated
time (viz 3 months or 6 months) depending from Company to
company ,These credit cards companies give you Funds to clear off your
Outstanding Payments from other credit cards at 0% Interest ,yes you
heard it right 0% Interest
Its Called Balance Transfer facility ,To avail this facility just
call your credit card company & if it does not have try getting a better
Credit card company by learning it online so you can negotiate better
with your credit card company
The
balance transfer facility is offered to fetch new business. Therefore,
credit card companies usually do not allow you to transfer your balance
from one card to another card provided by the same issuer. For instance,
you cannot transfer balances from your ICICI silver card to an ICICI
gold card or vice-versa. But you can transfer your balances from
ICICI silver card to ABN Amro gold card. However, the transfer request
might not be accepted if you have exceeded the credit limit.
How do you go about it? Just call your corresponding credit card
company & ask for a balance transfer facility form & if you dont have a
credit card Get one today since its a Necessity nowadays not a Luxury
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