Take Advantage Of 50,000 Bonus Miles From Barclaycard

Barclay Credit card is offering a brand new sign up bonus, which might make you consider signing up for a Barclay card. The offer is 50,000 Hawaiian Airline miles if you spend just $1000 with in 90 days of opening the credit card up. Seems they have taken a hint from American Express, who is offering a similar bonus, but the Amex bonus is only worth 25,000 points. This makes this offer pretty amazing, since most sign up bonuses require you to spend $3000 or higher in order to receive the sign up bonus.

To get this offer simply make an account your Hawaiian Airlines account, or if you do not have such an account, create one
. Once logged in to you “my account” and scroll downwards, you should see the offer there. This offer is only available until December 30th of 2015, so if this interests you, I would advise not putting it off to much longer, as this is an amazing deal, but is not likely to be around in 2016, 50,000 points for only having to spend $1000. You can likely meet the 1k goal with simple gas pump fill ups and grocery shopping, and maybe a night or two out at your favorite restaurant per month. This offer is a sweet for anyone planing a trip to Hawaii.

The down side to this offer is that there is an annual fee, and it is totally not waived for the first year, as many credit cards do. This annual fee is $89. You earn x2 the miles on any Hawaiian Airlines purchase, and only 1x the miles on everything else. You do however have the ability to share your miles with friends, and you also get discounted award travel, which is a nice perk. To sweeten the pot, they offer a $100 companion discount off of one coach companion round trip ticket, good for fare between North America and Hawaii, once per year on your card holder anniversary. Also any year that you have made $10,000 in purchases you earn an additional 5000 bonus miles.

This card is really only useful for those who make use of Hawaiian Airlines, or who might want to plan a trip to Hawaii. If you are not interested in any of those things, I would suggest going to the Amex Gold offer or the Amex Green offer, or even both, they each give you 25,000 points for spending only $1000 within the first 90 days of opening up the account. I should however point out this cards standard offer is only 35,000 bonus miles as a sign up, so this offer of 50,000 miles is a special offer over their standard 35k offer.


Citi Double Cash Rewards card versus the Capital One Venture Rewards Card

There are many different credit cards out there that we can choose from in our daily lives, but finding the right credit card for our own individual needs is very important. Looking at different interest rates, spending limits, and online capabilities can all be big deciding factors as to why you may find a credit card fits your unique needs more than another card. When it comes to rewards programs, this can be a big reason why an individual may pick a certain card. Here in this article we will compare and contrast the Citi Double Cash Rewards card versus the
The Citi Double Cash Rewards Card is offered by Citi Bank, and is a very popular card in the financial world. With 1% cash back on all purchases, it is easy to see why this car has become so popular. This 1% cash back reward is unlimited on all purchases as well, giving a great incentive to those who spend a lot on their credit card. There are great features that come with the Citi Double Cash Rewards card as well. Citi Identity Theft Solutions are there for you in the event that you are a victim of identity theft. There is also the lost wallet service for those who may have lost their card. The Citi Double Cash Rewards Card can be replaced within 24 hours, and emergency cash can be given if needed.

Capital One has been for many years one of the most well known and popular credit cards in America. This could be due to their clever marketing campaigns, or their amazing customer service and card features. The Captial One Venture Rewards Card is very popular due to is amazing rewards. With 2 miles per every dollar spent, it is easy to see why so many card holders choose the Venture Rewards Card. There is also a 40,000 mile bonus to anyone who decides to spend 3,000 dollars on their card within the first month. This is a great bonus for card holders.

Overall, it looks as though the Capital One Venture Rewards Card is a better card for those who are wanting to travel more often. Those who are looking to earn cash back on every purchase might want to go with the Citi Double Cash Rewards card. Also, Citi Double cash offers 0% APR for the first 15 months, so that might be another reason to go with the Citi Double Cash Card over the Venture Rewards Card. When it comes down to it, choosing between these cards is really based on personal preference.


What are the Pros and Cons of using your 401k to pay off credit card debts

For those with a large amount of credit card debt, the money sitting in a 401k fund may be tempting to withdraw to pay off the credit card debt. Draining ones retirement funds however in the long term may not be such a great idea. You may not be able to replace the money you lost from your 401k, and in today’s economy, jobs with a good 401k are harder to find, especially companies that contribute well to that fund. Continued employment cannot even be counted upon entirely, as even big mega corporations have had their share of layoffs and corporate restructuring. if you loose your 401k fund you could be forced to get a job into your 70’s just to make ends meet in your twilight years. Your 401k is your safety net in your golden years, the autumn of your life.

There are better alternatives to dipping into your 401k to pay off your credit card debt. One good way to handle the debt is to do a balance transfer to a card with a zero percent introductory APR for a period of at least 12 months. One such card with a balance transfer with a zero percent APR for 15 months is the chase freedom card. While the chase freedom card carries a fee of 3% of the total amount transferred, it will give you 15 months to make payments to knock the balance out entirely or to get that balance to a more manageable level. If needed you can always do another balance transfer at the end of the zero percent balance transfer after you’ve knocked down the debt to a more reasonable level. With careful planing and budgeting you should be able to take care of the debt within the allotted time.

If your credit is still in decent standing, you can opt for a debt consolidation loan. This can prevent your credit rating from deteriorating to badly, in fact if you pay off the debt consolidation loan your credit score will go up. If you have a mortgage you can refinance and get a second mortgage, rolling all of your debts into one loan, which will avoid all the separate interest rates, fees and charges, and differing billing dates of the month to repay your debts, generally making life much easier on you.

With debt consolidation loans, one thing you need to watch out for is paying more in the long run. If, for example your orginal two debts for example are for 30,000.00 in unsecured debt, which includes a 2 year loan for $10,000 at 12% and a 4 year loan for $20,000.00 at 10%, and your total payments amount to $1100.00 per month, this could be a sizable chunk of income you need to reduce. Now lets presume a debt consolidation company tells you they can reduce the debt by lowering your payment to $640.00 per month, with 9% interest, by rolling all the loans into one big loan. This may sound good, as the monthly payment is now lower, but now its a 6 year loan, and your now paying a total of $46,000.00 instead of $40,000.00. These examples are rounded but you get the picture, your now paying less per month sure, but the lifetime of the loan is extended and the over all amount of debt has increased, with the only difference being a lower monthly payment.

The last option one should consider would be using a credit card debt settlement service or consumer credit counseling, as both of these options can severely damage your credit. These services will work with your creditors to reduce the debt and manage the repayment terms over time at more affordable levels. You make one single payment and this payment is spread out to all of your debts as agreed upon when you enter into consumer debt counseling. Often times the consumer credit counseling service gets the creditors to reduce interest and settle for less than what is owed. However entering into any of these two services will be reflected on your credit report, it is not confidential, every single merchant, bank or creditor who pulls your credit report will see that you have made use of these services. In most cases this will lead to a denial of credit and services.


Slate Chase Gets Nod As Top Balance Transfer Card Offer Heading Into 2014

The Slate Chase card is again the top rated balance transfer card for consumers hoping to lock in savings and save with a balance transfer heading into 2014. According to a report published at http://bestcreditcards2014.co that ranks the top balance transfer credit cards for next year. This is the second straight year that Chase has help the top position for the best offer for consumers seeking a balance transfer credit card. What makes the Slate from Chase the top card heading into 2014?

The key ingredient that separates the Slate card from the other top balance transfer cards (DiscoverIT, Citi Diamond Preferred) is that their is no fee for consumers who are looking to transfer a credit card balance. This key mathematical factor all but ensures that when you transfer over a credit card balance you are almost guaranteed to save money. With a typical balance transfer credit card, you are going to pay on average 3% of your balance up-front as a fee to lock in the promotional card offer. So for every $100 you transfer you pay $3 in fees, a balance transfer of $2500 would equate to $75 in pre-paid interest or fees to accommodate this promotional offer. This does not necessarily make the balance transfer a bad deal, as consumers locking in a zero percent interest rate for 12-18 months are still well positioned to save hundreds and potentially thousands of dollars in interest. The silver lining with the Slate Card is that there are no fees and consumers can lock in the zero percent interest rate for up to 15 months!. Some other great features with the card include no annual fee, a fixed interest rate, zero liability protection. To qualify for the promotional zero fee balance transfer, you need to initiate the balance transfer within the first sixty days the card is opened. Consumers will need to have very good to excellent credit histories to qualify for the Chase Slate credit card.

If you are looking for some other options for a great balance transfer credit card for 2014. Here are some of the other top rated cards, worth considering:

– Discover IT (offers 14 months at 0% interest for balance transfers)
– Citibank Diamond Preferred Card (offers up to 18 months of 0% interest for balance transfers)
– Barclay Rewards Mastercard (offers up to 12 months at 0% interest for balance transfers)
– Bank America Cash Rewards (offers up to 12 months at 0% interest on balance transfers)

Steven Moore has been covering consumer finance and the credit card markets since 2006. You can learn more about zero percent cards, balance transfer offers and ways to maximize your credit card saving as well as connect with Steven at his Google+ page or by visiting http://bestcreditcards2014.co where he is a regular contributor.


How Do Debit Cards Save Consumers From Overdraft Fees?

Careful record keeping is key when managing your checking account. Several tools for tracking purchases and bill paying through your checking account are available paper wise or online. A debit card can be an important means to keeping your checking account overdraft fee free, and a great tool for both students and those learning to manage credit wisely to establish budgets and finances correctly.

Finding and securing the right type of debit cards is a key, find one that is fee friendly. It is safer to carry a debit card in your wallet rather than cash and more convenient too, as a debit card is much thinner than carrying a wad of money. A thief would be unlikely to access the money in your checking account with your stolen debit card as long as they don’t know your pin number. If a thief steals your cash then most likely you are out of luck.

Purchases made on a debit card show up instantly as a debit on your account. Online banking will show the debit to your account as “processing”. This means that your purchase money is in the process of exiting your account and is no longer available to be spent. Most banks will deny a purchase attempt on a debit card at the point of sale if there are not enough funds to cover the debit purchase. This is very convenient as opposed to writing a check on your checking account. Checks take time to clear your checking account making it easier to accidentally overspend. Checks can be written for purchase even if the funds are unavailable. This can create an overdraft situation.

Overdraft protection is an option available at most banks. This is a convenient way to avoid overdraft fees. An account, such as a savings account, is linked to your checking account. If a debit purchase is made, and funds are unavailable in your checking account then a transfer is made from the linked account so funds are available and your purchase is possible.

Overdrafts are possible when using your checking account. Careful attention to record keeping is a must. This is true if checks are used for purchases or debits are made using your debit card. The accessibility of online banking is a very convenient way to track purchases made with your checking account. Debit card purchases show up online as soon as you make them. This allows you to instantly go online and check what your remaining balance is. Using your debit card rather than cash helps protect you from theft too. A debit card may be stolen, but the debit card is useless to the thief without a pin number. Paying close attention to your account and what is spent out of it will keep you free from overdrafts. A debit card is a handy tool when used properly and will protect you as a consumer from overdraft charges.

Learn more about debit cards, zero percent interest and fee credit cards by visiting http://balancetransferzero.com where we uncover the best finance offers for credit cards on a weekly basis.


Learn How To Improve Your Credit Score Before The End Of Summer

Due to the global economic downturn, many people are struggling with their credit scores. It has been quite difficult, given that most people struggle simply to make ends meet. A large proportion of the population has credit scores that make many lenders balk at advancing them credit facilities. However, you should not despair simply because you have a poor credit score, there are ways in which you can improve it and increase your chances of accessing credit facilities.

1) Always pay your bills on time – This is the most important part of your credit score. When you pay your bills on time, you prove that you are credit-worthy. If you have any unpaid bills, these will reflect poorly on your credit report, and subsequently affect your total credit score. Start paying off your bills on time and watch the credit score improve.

2) Get your credit report and scrutinize it properly – You are entitled to a free credit report every year. It is important that you get a copy, and go through it carefully. You will be able to identify areas that are in dispute, and you can contact the reporting bureau and lodge a formal complaint.

3) Make informed disputes to the credit bureau – Once you notice an entry that is inaccurate, you should write to the credit bureau and bring this to their attention. You should include any documentary evidence that will support your dispute. There are usually some errors, which only serve to lower your credit score, and you should have these changed at once.

4) Avoid debt as much as possible – When you run up a high debt bill, you ruin your credit score. If you want to make positive changes to your score, then you should avoid debt at all costs. In calculating your credit score, the bureaus calculate the amount of credit that is available to you, and compare it to the amount you have used. If you use less credit, then you score increases. Pay off any debts that you may have, and your credit score will improve.

5) Avoid opening many accounts – If you are looming for credit facilities, you should avoid opening too many accounts. The fact that you have several accounts will negatively impact your credit score.

6) Keep you good old accounts – You may think that it is a good idea to close down old accounts, but if they were in good shape, they may help in improving your credit score. You should try and keep these good accounts open, since they will increase the amount of credit that may be availed to you, and this will improve the credit score.

These are some of the ways in which you can improve your credit score. There are other ways, but these usually include the help of a professional, and their services will cost you. Using the tips mentioned above, you get to improve your credit score on your own. The process is not instantaneous, and it may take months, or even years, for your credit score to improve.

Powered by the credit experts with balance transfer zero, for more information please visit http://www.balanacetransferzero.com


How to find the best bad credit is ok credit card offers

Obtaining a credit card if you have fair or poor credit can seem impossible, especially with some of the strict requirements necessary in order to be approved for the best credit cards on the market today. However, if you are seriously interested in improving your overall credit score and you want to do so by utilizing a credit card you are approved for, there are credit card companies that help to provide cards for individuals with poor or fair credit, regardless of your financial history. Searching for credit cards you are qualified to receive can be done on your own right from home, depending on the type of card you are interested in as well as the spending limit you have in mind.

Search for Credit Cards Specifically for Individuals With Bad or Fair Credit

There are companies available that specifically provide credit cards for those who have poor or just fair credit. Searching for credit card companies that provide these options is ideal, especially if you want to avoid getting denied or having small hits on your credit report from applying.

Secured Credit Card Options

Another option available to you if you want to apply for a credit card when you have fair, poor or no credit at all is to consider a secured credit card option. Secured credit cards require you to make a deposit investment into the card itself to ensure you are not going to overspend based on the limit you want to have placed onto the card. You are only able to spend the amount you deposit into a secured credit card, eliminating the risk that traditional credit cards pose. After you make the investment into your secured credit card, you can then begin to rebuild your credit each month, increasing your overall credit score.

Compare Your Options Online

Once you are ready to begin applying for credit cards you are qualified to receive, you can compare all of the options available right from home online. Reviewing credit card requirements, limits and interest rates can all be done online within minutes as opposed to calling each credit card company individually, saving you time. When you search online for the right credit card company, you can also read real customer testimonials and reviews on each card you are interested in, helping you to choose the right card for you based on the perks and interest rates of each one available.

Be Cautious With Your Decisions

Before you make any decision on the type of credit card you want to apply for, it is essential to conduct an adequate amount of research on each credit card provider, their terms and conditions as well as the interest rate you will be charged on a monthly basis depending on your spending limit and financial situation.

Finding the best credit card for those who have bad or OK credit can be done with enough research and an understanding of your own financial goals and how you plan to build or rebuild your credit scores.


What Is The Best Way To Save Money In 2013

You may be thinking the same thing about your savings as you do 2012: where has it gone? Well, with a new year, you have another chance to build your bank account. The key to saving in 2013 is to start right away and start small. You don’t want to wait until you make more money to start saving.

For example, some people plan to save money out of their income tax refund checks. Think about how much money is wasted from January to April. Besides, the more money you make, the more you tend to spend. Another example is trying to save a lump sum of money. It’s great to take a $1,000 from your income tax check or other source of income and save. However, small amounts of money tend to add up faster, over time than one lump sum.
Here are some other ways to save money in 2013:

1. Make a List of Your Money Goals

By December of 2013, how much money do you want? Maybe you want an extra $2,000 or $15,000. What do you want to do with that money? Do you want to go on a vacation, extra holiday shopping money, or a house down payment? Make your goal more specific and you’re more likely to reach that savings goal.

2. Let Someone Else Save the Money for You

Yes, you know how it is. You’re eager to save, but when you get your check other things happen. You want to download that new song or go to dinner at a restaurant. Soon, that money you planned to save is gone. Thus, let your bank or boss deduct the money from your check. Create a separate savings account (with no debit or ATM card). Instruct your bank or HR department to deposit a specific amount into that account each pay period.

3. Purchase a Bond

Look into buying a municipal or corporate bond instead buying stocks. Typically the bonds are less volatile than stocks. Besides, they grow faster because they outperform the current inflation rate.

4. Put the Credit Cards Away

Use cash to make your purchases. Whether you’re going to the grocery store or to the local coffee shop, pay with cash you have in your wallet or purse. It’s easy and downright alluring to pay with credit. You want the item. You pay for it with credit. However, you tend to think about how much you want the item when you’re paying for it with cash. Do you want to pay $6 latte when you only have $10 in cash?

“Saving” is such an evil word when all you want to do is spend a little money. However, saving money in 2013 can become a heavenly word when you have extra cash at the end of the year. Happy saving!


Latest and Greatest Offers Of Note From Card Companies

The average card holder in October 2012 has a higher balance than he or she had in October 2011. This is because there is a renewed consumer confidence in the credit front. The good news has to do with better promotional strategies in an improving economy. Let us look at some of the offers and how you have to be on the lookout for the good ones and steer clear of the shady ones

1. Low APR offers- Credit card promotional material emphasize on interest rates as low as 9.99 percent but what you need to know is that not everyone qualifies for it; this may actually apply for people with the best credit score. To confirm, go through the credit card application thoroughly and read about the fees and interest rates. It may not be surprising to see the interest rate as high as 21 percent. Secondly, even if you qualify for the low APR, it does not mean that this interest is fixed If you read the fine print, you may find that the rate is variable according to market conditions. However, if you are someone who likes to pay off balance in full each month, you should not have a problem.

2. 0 percent balance transfer offers – A zero percent balance transfer offer can be quite enticing because it helps you pay off the debt at a faster rate. However, you need to be careful of the ‘catch’ involved like the balance transfer fee and the time period for which the 0 percent offer will remain. The balance transfer may be 3 to 5 percent of the balance that you transfer.

Please remember that the 0 percent interest rate offer may become void if you skip a payment or pay late. Also after the introductory period is over, the interest rate on the card may shoot up than that of a regular credit card. So, if you do go for a balance transfer, ensure that the 0 percent interest rate, if offered; remains for a longer period of time. Also remember, that your aim should be to first clear the debt that you owe, and postpone credit purchases in the new card, because the 0 percent interest rate may apply only to the balance that is transferred and not fresh credit purchases. This is why you have to read the terms and conditions of the 0 percent balance transfer offer carefully because accepting it.

3.Reward card offers – It is now more a norm rather than exception for credit card companies to offer rewards programs on their cards. It is important to understand the program first which one can comprehend by going through the terms and conditions of the offer document. Sometimes, you may need to meet a particular threshold while for some; you may have to have spending of a certain amount like $3000 to avail offers like cash back on purchases. There are caps on rewards that you earn. You may also need to earn plenty of ‘air-miles’ to qualify for a single round trip ticket. There are blackout dates and other restrictions for which the air-mile benefits may not apply. So, before signing up for any credit card that has a reward program, find out how if it is something that can really benefit you and has significant value. One of the best reward cards offers is the unlimited cash-back program in which you can use the card for discounted purchases, and then pay off the balance in full every month.


Increase In Sub Prime Lending Potentially Good News For Consmers

Sub Prime Lending on the Rise – Auto Loans for Bad Credit Available Easily

The auto loan industry is going through a revival; a positive wave of chance seems to have hit consumers who are interesting in buying vehicles. There are estimates that 15 million vehicles will be sold in the US by the end of 2012. This good news is due to the subprime lending which is taking place in a big way in the auto-lending circuit. Now, even if you have a modest credit score, you can be considered for an auto loan, reminiscent of the times that prevailed before recession hit the US market.

James Huntington recalls how nothing less than 760 was chosen as the credit score to be considered for the car that he wanted to buy a couple of years ago. Things have changed in 2012, for the first time in six years; vehicular sales are seeing an all-time high. Equifax, the nation’s premier credit rating agency states that auto loans in the last three years have doubled, moving from $26.9 billion in March 2009 to $52.5 billion in March 2012. The US economy looks to be back in form and people are getting better purchasing power, thanks to looking for supplementary forms of income.

The term subprime lending refers to the type of lending to the person who looks like not positive enough to maintain a disciplined payment schedule. Lenders consider the entire credit report and consumer behavior before sanctioning an auto loan. For instance, if a person has been hit by job loss but has nevertheless had a strong payment history overall, may have a low credit score but still can be considered for subprime lending. Credit unions are of the opinion that a person with bruised credit can be eligible for an auto-loan but not for an unsecured loan, which is based on just the signature and there is no collateral or security involved.

Compared to the scenario four years ago, even the major lenders are now offering loans to subprime candidates with bruised credit scores, which are as low as 420. Analysts say that there is going to be a 25 percent increase in subprime lending, out of which half of it would be in the auto-lending industry alone.

Why are auto lenders more open to lending to people with low credit scores – There are two main reasons why auto lending industry gets the best share of subprime lending. Auto loan lenders can easily foreclose the loan compared to the bottlenecks they face when it comes to foreclosing a default mortgage, which may take two years. Secondly and more importantly, there are few defaulters on auto loans compared to a mortgage loan or such other types of major loans. A car obviously costs much lesser than a home and since most people need vehicle to travel back and forth to work, they do work around to make payments because after all, it is their job at stake if they are not able to reach their workplace in time So, do not be discouraged; if you wish to buy a car and are worried that your credit score may not make you eligible, think again.