Joanna Truelson of the Orinda office writes: My client needs a referral for debt consolidation specialist… Thank You Joanna Truelson APR Orinda 925-708-1672
Credit cards can work to your advantage, but only if you know how to manage them. There are important guidelines to consider in your use of plastic. First off, don’t let your cards site idling in your wallet. In order to limit risk and expenses, many card issuers are closing accounts because of inactivity, even to [...]
Credit card companies are continually offering deals to transfer balances on higher interest rate cards to a lower “fixed” rate. While this all sounds good, sometimes there’s more to it than first meets the eye. Most companies charge a transfer fee, usually around 3% of the amount being transferred. In addition, if you already have [...]
Continue reading about Do The Math Before Transferring Credit Card Balances
Finances have become increasingly tight as a result of the global credit crunch due to falling income levels, job losses, and the recession. Many people have struggled to make ends meet, and for this reason an increasing number of people have become more reliant on their credit cards for emergencies or even for essential [...]
Continue reading about Credit Card Companies Slashing Credit Limits
Credit use has become a major factor in our entire economic profile. As a result, your credit rating is the most important factor in determining your credit APR when you apply for any type of credit. What is a credit score? Credit reporting was created more than 100 years ago, when small retail merchants banded [...]
Sometimes it seems that the only answers for Credit Card woes is to annihalate them. One positive strategy to help you pay less over the long term is to call your credit card company and request a lower APR (Annual Percentage Rate). If you are a customer in good standing, most creditors will be happy [...]
Ask For a Better Rate Getting better terms can be as easy as calling the customer service department of your credit card company and asking them to lower your rates, but maybe not. If you are current on your payments you may have a shot. If you’re behind on your payments you may get shot. [...]
Continue reading about Negotiate Better Rates and Terms with Creditors
We are always hearing the term ‘APR’, but do you actually know what it means and more importantly what it can affect and how? Well here is APR 101 and hopefully the following article will clarify what APR is and some of the important things it can affect; from your credit card to your car [...]
There are many predatory lenders on the credit card business. Not all credit card issuers comply with the regulations that protect consumers. Some find legal or apparently legal ways of bypassing certain restrictions by concealing additional costs that raise the overall charges without showing on the APR. Analyzing the credit card contracts carefully prior to [...]
How many times have you felt you had no idea of what credit card companies are offering or the difference between their products? Are credit card terms difficult for you to fully understand? You are not alone. Hundreds of North Americans make bad credit card choices everyday because of the lack of terminology knowledge. They [...]
