Wednesday, December 30, 2009

Tips For Finding the Lowest Credit Card Rates

Author: Morgan Hamilton

Source: ezinearticles.com



Everyone brand to get a acceptable accord and award the everyman acclaim agenda ante is no exception. The botheration is however, that abounding humans get aberrate by the rewards, searscard.com, and bonuses that the issuers, searscard.com, use to attract new barter with,, searscard.com, searscard.com, . These my friends, are distractions and should be advised as such.

Finding the best deals on acclaim cards is a abstract endeavor. What is appropriate for you may not be appropriate for your wife, sister, neighbor, coworker, etc., etc. We all accept altered banking needs, searscard.com, and we should all be acquainted of that. With that said let's get down to business and apprentice how to analyze superior offers.

Using a acclaimed acclaim agenda allegory website is the actual best way to analyze offers. Not alone will you acquisition the types of cards that will best clothing you but you can aswell go appropriate down the band and analyze them from one issuer to the next. Keep an eye out for such things as anterior offers and antithesis, searscard.com, transfers.

If you do in actuality backpack a antithesis from ages to ages again you actually will wish to analyze cards that affection low absorption rates. 0% APR anterior offers are abundant but some humans assume to overlook that they do expire. Keep that in apperception because it is basic, searscard.com, that you accept what your absorption, searscard.com, amount will be already that anterior amount goes away.

Keep in apperception what your needs are and don't be affected by promotions. A acclaim agenda is something that you should accept for a continued time so anticipate in that anatomy of advertence as against,, searscard.com, searscard.com, to any concise assets promised through promotions. Put addition way, accretion and whistles are nice but we have to administer on the bigger picture.

Since acclaim agenda ameliorate was alien we have, searscard.com, to aswell be acquainted of fees, searscard.com, that appear in all shapes and forms. Banks and banking institutions are now acceptable absolutely able in how they can, searscard.com, allegation cardholders in adjustment to accomplish up for the absent acquirement that was brought about through the ameliorate legislation. Accept what the fees are afore you apply.

It is important to anxiously apprehend the agreement and altitude of the offers that absorption you as well. We all apperceive that it's not absolutely a fun affair to do but it is there that you will ascertain absolutely what the data of the action are.

By afterward these simple yet able accomplish you'll not alone bare the everyman acclaim agenda ante but will you aswell assure yourself from, searscard.com, any and all exceptionable surprises. And whenever you get a abruptness from your acclaim agenda company... you can bet it's not a acceptable thing.





To compare the lowest credit card rates from the leading issuers in the industry visit http://www.bestcreditquote.com.




Tuesday, December 29, 2009

Minimum Amount Of Credit Card Debt For Debt Settlement?

Author: Hector Milla

Source: articlesbase.com



There is a delusion, searscard.com, that alone ample acclaim agenda debts should be handled by debt settlement. This is artlessly not true. There is no absolute minimum, searscard.com, bulk of debt. While a lot of companies adopt to accord with debts of ten thousand dollars or more, this is about because they are defective to aerate their profits. There are absolutely just some accepted guidelines if you are because debt adjustment and you do not accept top acclaim agenda debt. Aurora, searscard.com, Lillo Editor of the "Best Debt Adjustment Services" website -- http://www.BestDebtSettlementServices.com -- acicular out; “…High debt is actual subjective. It depends on your debt ratio. How abundant do you owe and pay out monthly, compared to how abundant you accept as income. In some cases even low amounts of debt could accept a top debt arrangement for a ancestors that does not accept a top income. While abounding casework may wish you to accept a assertive bulk of debt, you can still go to added,, searscard.com, searscard.com, services, like banks or acclaim unions to abetment you…” You may not accept abundant debt, but if you charge to abate how abundant you pay every month, you may attending into a debt alliance loan. This does not abate the bulk that you owe, but it does abate the account payment. Alliance loans achieve this by, searscard.com, accumulation the top absorption loans into one, lower absorption loan. That helps to chargeless, searscard.com, up money ages afterwards month. You do, searscard.com, not charge tens of bags of dollars in debt to use this array of service. You just charge a admiration to get out of debt. “…The bigger affair to accede if you do not accept a top debt is the absolute amount to get out of debt. You can accomplish an estimate,, searscard.com, based on account payments, absorption, searscard, searscard.com, .com, rates, and added factors to acquisition, searscard.com, out how abundant it would amount for you to pay off the debts after assistance. You can again yield the offers for debt adjustment and get a account of fees and absolute costs and actuate, searscard.com, which advantage is bigger for you. There is no point in entering into debt adjustment if the adjustment costs you added than your debt…” added A. Lillo. You should attending through all options if you are absent to get out of debt. Debt is debt, and it does not amount how ample or small. There is a debt adjustment account that is appropriate for you. Further Information By Visiting; http://www.BestDebtSettlementServices.com



Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.




Sunday, December 27, 2009

Credit Card Deals - Tips For Finding the Most Suitable Offer

Author: Morgan Hamilton

Source: ezinearticles.com



With a wide variety of credit card deals available today it is difficult to decide which one is right, searscard.com, for you. Each and every one of us has different financial needs that must be met. With that in mind, it is imperative that we identify exactly what our needs, searscard.com, are before choosing which card to apply for.

There was a time when we were literally bombarded with offers through the mail. Those days are over now thanks to the Internet. Now we can search, compare and apply online from the convenience of our own homes. That makes it tremendously, searscard.com, easy to compare the best offers from the leading issuers.

It's also safer to apply online. Banks, searscard.com, and credit card issuers have encrypted sites to ensure that your information cannot be hacked or stolen. Remember filling out paper applications, searscard.com, and stuffing, searscard.com, them into an envelope? There was nothing at all secure about that because anyone could take the envelope and open it at any time.

The best way to find which offer is best for you is to compare credit cards. If you carry a balance from month to month then you definitely want to check out low interest rate offers. Many come with introductory rates so be sure that you fully understand what they are and how long they last.

If you currently carry a balance on a high interest rate account then you may be interested in balance transfer offers. Balance transfer, searscard.com, offers give, searscard.com, you the opportunity to pay back principal, interest free free for a period of time. Many times they, searscard.com, will come with a 0% APR introductory rate.

Perhaps you would like to take advantage of cash back incentives, searscard.com, . If you're going to use a credit card you may as well get something back from it and cash rebate cards are a great way to do that. They very greatly so, searscard.com, be sure that you fully understand what each rewards program entails.

If you're simply looking for a card to use for emergency situations then make sure it has no annual fee. No sense paying extra for, searscard.com, something that you are rarely going to use. Annual fees are usually charged on cards that offer extras such as a rewards program.

Using these tips, searscard.com, will help you quickly locate the best credit card deals available. An excellent comparison website can be found at creditcardcandor. Be sure to take full of advantage of the resources offered there.





Discover how to find the best credit card deals when you compare credit cards online at BestCreditQuote.com.




Friday, December 25, 2009

How Many Credit Cards is too Many Credit Cards?

Author: Jon Francis

Source: articleage.com



Sometimes it seems you can't, searscard.com, accessible the postbox after accepting a bulk of acclaim agenda offers and applications accelerate out into your hand. You are already, searscard.com, pre-approved. Our acclaim agenda is just cat-and-mouse for you!, searscard.com, All you accept to do is alarm to actuate your new acclaim card.
If you've afresh activated for a new acclaim card, accept, searscard.com, just accomplished school, accept active up at a conjugal anthology or just angry the knot, you've apparently got even added, searscard.com, acclaim agenda offers than accepted - life-change contest are triggers to acclaim agenda companies, searscard, searscard.com, .com, to flood your cavalcade box with offers, searscard.com, for low-interest acclaim cards, acclaim cards with no absorption addition rates, a appealing blush agenda for arcade and acclaim cards that accord you banknote aback if you shop.
It's a boundless array, and it's difficult, searscard, searscard.com, .com, to say no if the acclaim agenda companies wish to accord you admission to all that money. So you assurance up for a appealing dejected agenda because you like it, and a Gold, searscard.com, agenda because it has some cachet to it, and a abundance acclaim agenda because you got, searscard.com, a 10% abatement on that bandage and afore you apperceive it, you've got a accomplished wallet abounding of acclaim cards. How abounding acclaim cards is too many?
Here's some advice on how creditors attending at, searscard.com, your acclaim score, and how the bulk of acclaim cards that you, searscard.com, accept can affect your acclaim rating. It may accomplish you anticipate alert if you, searscard.com, go to administer for a acclaim card.
Available acclaim is the absolute of all the acclaim that you accept accessible to you. The Accessible acclaim aphorism is that your accessible acclaim should be no added than 50% of your anniversary, searscard.com, income. If you accomplish ฃ28,000 per, searscard.com, year and you accept a Visa agenda with a ฃ5,000 absolute and a MasterCard with a ฃ1,400 limit,, searscard.com, a gasoline acclaim agenda with a ฃ500 absolute and a Virgin Shopaholic agenda with a ฃ1,500 limit, you're in appealing acceptable shape.
Total debt is the bulk that you owe if you add up all your acclaim cards, auto loans, claimed loans, academy loans and mortgages. Not including your mortgage, your absolute debt should be beneath than one bisected of your anniversary income.
The Debt/Income Ratio measures how abundant of your account assets you charge to accommodated your account budget. If your mortgage or hire additional the minimum payments on your acclaim, searscard.com, cards is added than 38% of your account income, addition acclaim agenda is not a acceptable idea.
Why would you wish addition acclaim card?
The acknowledgment is a simple one - you may wish addition acclaim agenda that offers you something you can't get with any of your added cards. Lenders do attending at acclaim agenda assortment - the altered types, searscard.com, of cards that you authority and use. A absolute history of captivation and using altered acclaim cards for altered things is a mark in the additional column.
If you adjudge that you should accept addition acclaim card, administer wisely. Take the time to analyze acclaim cards adjoin anniversary added online. There are some absolutely acceptable allegory sites out there which makes it simple for you to analysis the data of assorted acclaim agenda offers, analyze acclaim cards adjoin anniversary added and acquisition the best acclaim agenda for your use.
Jon Francis has been complex in assorted areas with the apple of accounts and has a agog eye for a bargin! He has an all-embracing ability of the acclaim agenda UK bazaar and now helps others get the best from a acclaim card. For added advice appointment "http://www.moneyeverything.com".






Thursday, December 24, 2009

Are Your Trying to Eliminate Unsecured Credit Card Debt?

Author: Sam Goodman

Source: ezinearticles.com



Are you trying to eliminate unsecured credit card debt and you don't know what to do? The reason this is so common around, searscard.com, the American public is because your creditors, searscard.com, do not, searscard.com, want you to know the secrets that can help eliminate your unsecured credit card debt. They want, searscard.com, you to make your payments whether they are on time or late and they would be happy, searscard.com, if you could keep your balance with them for an indefinite amount of time.

Charge cards have become quite a problem because so many American consumers are used to buying, searscard.com, items on credit anyway. For, searscard.com,, searscard.com, example if you decide to buy a home or if you decide to purchase a car, you will not have the money to be able to put down a large sum at one time so you will have to take out a line of credit. Credit cards work the exact same way, but there is a catch that makes it hard to eliminate your unsecured credit card debt. And these are fees take can take, searscard.com, a very small debt and make it into a large mountain before you know it, searscard.com, .

Can you eliminate unsecured credit card debt?

The answer to this question is yes but not everyone can. The reason is simple, the government, searscard.com, has made provision for you by allowing you to erase your credit card debt if you have, searscard.com, over $10,000 in unsecured balances. But what if you do not? This article will help you get on the right road so this is no longer a problem for you.

There are debt settlement companies that can now help you eliminate your unsecured credit card debt a lot faster than you would be able, searscard.com, to by yourself. These companies are now acting as a liaison with your creditor on in order to help you finally get back on track with your financial life. Many of these debt settlement companies do not charge a fee either, searscard.com, . Many times it is possible for you to eliminate a large percentage of your debt with these companies.

Never go for a debt consolidation company that charges you any money upfront fee because the larger companies that exist in this industry will never charge you a fee to speak to you or tell you how much you are able to get rid of.

One of the largest known creditors that we see everyday has helped America incur over $165 billion in past due balances. Don't you think it's about time that your erase your credit card debt?





It is now perfectly legal to Erase Credit Debt according to the new stimulus package if you have over $10,000 in debt.

If you are still in debt, then you haven't gotten the right information. Click Here. It takes less than 10 seconds and will wipe your debts clean.




Tuesday, December 22, 2009

Credit Card Processing - Are the High Fees Really Worth it For a Business Owner?

Author: Daljeet Sidhu

Source: articlesbase.com



Saying "no" to credit cards has become a sure shot sale killer. Almost all savvy business owners offer credit cards as a payment option now. Many customers only carry petty cash, preferring to use credit cards, searscard.com, for purchases. A business that offers credit card payment options, searscard.com, has to pay credit card processing fees to a credit card processing agency or bank. Processing fee is a sore point for many business owners as they cannot justify paying a cut of their sales to another agency. Acknowledging the contribution of credit card sales to their profits will help business owners look at processing fees with more equanimity. Business owners must evaluate the cost of the processing fees to the business by studying the monthly statements frequently. The cost should be adding value to your business. How, searscard.com, much processing fee, searscard.com, is acceptable? Processing fee is a percentage of the credit card sale value. This can be 2%-5% of the swipe. The percentage being charged to your account can be assessed by studying the monthly bank statements. Calculate the percentage cut per credit transaction. If the percentage is near 2%, that is great. If the percentage is at the higher end of the range then you need to, searscard.com, look for another credit card processing agency. Third-party credit card processing agencies are giving good, searscard.com, competition to banks. Many of these agencies offer services at much lesser rates. Survey the market to find a credit card processor that charges near 2% as the, searscard.com, processing fee. Verify any additional fees being charged Sometimes, monthly statements show charges apart from the regular processing, searscard.com, fees paid to the credit card processing agency. Check with the credit card processor and find out the charges. At times, additional charges make sense because, searscard.com, an added service adds value to the customer and your business. The value of additional charges can only be evaluated, searscard.com, if you inspect the monthly statement and spot the extra charge. If the charge does not make sense, and you have no option but to pay it, you need to change your, searscard.com, credit card processing agency. Review the cost of the credit card processing fees to your business by keeping a record of the monthly fees. Good processing agencies have a valid reason for levying an extra charge and inform you of it. Compare notes with business associates It is good strategy to compare notes with business associates to assess the benefits of a particular credit card processing fee structure. After, searscard.com, examining your monthly statement, compare numbers with the monthly statement of another business owner. This is also a good way of getting to know of a better credit card processing agency. Credit card sales form a good chunk of the, searscard.com, total sales volume and paying a processing fee for the transactions is part, searscard, searscard.com, .com, of the package. Business owners can shop around for a good credit card processing agency that offers, searscard.com, reasonable rates. They must also study monthly statements to ensure they are not paying unreasonable extra charges or a higher processing fee. All in all, credit card payments earn businesses way more than what, searscard.com, the processing fee costs them.



Daljeet Sidhu is Co-founder at TradeSeam. Read our online credit card processing services advice. Compare credit card processing terminals quotes. Sellers JOIN for sales lead.


Sunday, December 20, 2009

Eliminate Credit Card Debt by 60% - How Can You Legally Never Pay Back Your Credit Card Debts

Author: Brandon Frazier

Source: ezinearticles.com



Credit, searscard.com, card holders in the United States at the, searscard.com, moment have serious problems. They have pending bills with massive amounts. However as recession has been a tough problem to combat, the government has introduced an option to eliminate, searscard.com, credit card debt by 60%. The user has to hire a company that coordinates with the bank representatives, searscard.com, . The goal of this communication is to eliminate credit card debt by 60% or more. Unsecured liabilities have been rising due to, searscard.com, the decline in the financial, searscard.com, industry.

The main factor which decides the elimination amount is the settlement company standard. Normally,, searscard.com, the mistakes which are committed by the user relate to the selection of the relief firm. Scam companies are commonly listed online and users commonly commit mistakes by hiring them. Illegitimate companies have just one goal and that is to take money from the loan takers. Most of the people who face problems in relation to illegitimate companies pay them in advance.

A lot of firms which are not authentic require the customers to pay in advance. When the customer pays in advance, the firm simply vanishes without any further correspondence with the customer. Thus, it is important that as a customer, you are very sure of the hired firm. A complete research, searscard.com, is done on the company which you decide to use as a relief firm. You should have an idea of the settlement cases which the company, searscard.com, has handled. In addition to that, the success, searscard.com, record is also important.

If a company has not been very successful in getting good percentages then it is not use hiring such a company. Claims do not make any difference. All that matters is the progress which a relief firm can actually make in the, searscard.com, negotiation phase to eliminate credit card debt by 60%. Sixty percent is not a decided figure that is attained in every settlement deal. The efforts which are made by the relief organization, searscard.com, make a difference.

For instance, if the company does not prepare its discussion points and arguments in the right manner then the customer may, searscard.com, end up with a low reduction. Your settlement firm should consist of experienced professionals who can communicate with the finance granting firm in a convincing manner. To eliminate credit card debt by 60%, the settlement company should be convinced to the extent that they agree to this reduction. Prolific companies have an effective relief structure, searscard.com, and they even attain ninety percent reductions for their clients.

Every relief company has a minimum goal to eliminate credit card debt by 60%. However, in most cases, customers expect a high elimination figure.





If you are over $10,000 in unsecured debt it would be wise to utilize a debt relief network instead of going directly to a debt settlement company. Using a debt relief network guarantees that the debt settlement company you choose has been certified and has established success in negotiating settlements. They are free to use and a good starting point to begin your debt relief process.

Debt Relief Network.




Friday, December 18, 2009

Using A Credit Card To Eliminate Credit Card Debt

Author: Suzy Vanstrusen

Source: articlesbase.com



Copyright (c) 2009 Suzy VanstrusenThe biggest problem with credit card debt is that your debts can quickly mount up because of the high interest, searscard.com, rates that you incur each month. If you are dealing with the same issue, why not consider getting a credit card with zero balance transfer interest?In this article, let's talk about how you can use another credit card, searscard.com, to be free from, searscard.com,, searscard.com, bad debt. But first, let discuss what, searscard.com, a balance transfer card is.What is A Balance Transfer Credit Card?Credit card companies offer a zero percent interest rate for customers who want to transfer their balances from other cards. This is a great marketing strategy that issuers use to encourage new cardholders, searscard.com, to open an account.For people who are having a hard time with the repayment due to having multiple credit card debts, this is a great deal. By transferring your balances over to a new card, you can focus on paying off the balance without worrying about additional interest rate charges.However, balance transfer cards with zero interest usually, searscard.com, require a favorable credit background. Thus, before submitting your application, it is highly advisable to check your credit report first to make sure that you can qualify.Take note that the zero interest is not a permanent deal. You can only enjoy the 0% APR within the introductory period which range from 6 months, searscard.com, to 12 months, depending on the issuer. Choose a credit card that offers a reasonable APR even when the introductory period ends.How to Play the Balance Transfer, searscard.com, GameThe most important thing, searscard.com, to remember is to complete all the payments while the zero interest rate still applies. Make a repayment plan so you can be sure that you can zero-in your balance before the introductory rate expires.Transfer all balances from your high rate cards. While working on, searscard.com, your debts, avoid charging new purchases to your credit cards. Paying off your debts should be on top of your, searscard.com, priorities. Do not let unimportant expenses distract you from reaching your goal.After completing your payments, you need to be more careful about using your credit cards. Remember that you cannot always get a balance transfer card to get out of debt as this can have a negative impact on your credit history. The best way to stay away from, searscard.com, bad credit is to be smarter in managing your finances and make sure that you are capable of paying what you have purchased.



Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free
credit repair solutions
and
easy credit repair services
.




Thursday, December 17, 2009

How Can Credit Card Debt Counseling Help?

Author: Mervin Hester

Source: articlesbase.com



Not everyone believes that credit card debt counseling is beneficial and there are various reasons for that. Some people just read articles in the newspapers or find advice on the internet and take that as, searscard.com, the final thing. So they don't feel the need for credit card debt counseling. Some others feel that credit card debt counseling companies are just trying to make quick money by telling you the obvious i.e. by telling you, searscard.com, something that is being advertised everywhere. However, the most important reason arises from the, searscard.com, fact that not all credit card, searscard.com, debt counseling companies are genuine and of those that are genuine, not all credit card debt counseling companies provide good advice. So, choosing a proper credit card debt counseling company becomes a critical factor in determining the success of credit card debt counseling. Always go for a reputable credit card debt counseling company, even if their fee is a bit higher. Remember that a proper credit card debt counseling can help you in not just eliminating your credit card debt, but eliminating your, searscard.com, credit card debt in a way that is so cost effective as to more than offset the fee credit card debt counseling company is, searscard.com, charging you. Moreover, proper credit card debt counseling can save you a lot of time and energy that you would have otherwise spend in studying all about credit card debt, gathering information about various credit card debt elimination measures and, searscard.com, comparing these measures, searscard.com, . Further, these credit card debt counseling companies can present more than one solution to you from which you can choose whatever appeals the most to you. These credit card debt counseling agencies can also get your credit card debt settled much quicker than if you were trying to do it all by yourself (and without any credit card debt counseling). Also, credit card debt counseling could bring to light things which you would not have, searscard.com, been able to see e.g. risks with the approach you were thinking to adopt or, searscard.com, a futuristic view of things. Moreover,, searscard.com, a person who earns his/her, searscard.com, bread by practicing credit card debt counseling as a profession, would know the tricks of the trade which no one else would even have an inkling, searscard.com, to e.g. pitfalls of a particular, searscard.com, debt consolidation offer, or advantages of another offer etc etc.There is no doubt with regards to the benefits that credit card debt counseling can bring to you. However, you need to be careful and avoid the fraudsters and pick up someone who has a good reputation.



Read about how to perm, getting a perm, types of perms, gifts for grandma, gift ideas for coworkers , boss gift ideas and other information at the Knowledge Galaxy website.




Tuesday, December 15, 2009

Credit Cards For Bad Credit - Having Too Many Can Hurt Your Score

Author: Bobby Tan

Source: ezinearticles.com



If you've survived the struggles, searscard.com, of past financial problems, getting new, searscard.com, charge cards may be the furthest thing from your mind. Operating on a cash basis may seem like a sound financial strategy to prevent a repeat of past problems. However, our society makes it virtually, searscard.com, impossible to get by without some form of credit.

Some of you have succeeded in getting credit cards for bad credit to rebuild your score. With the taste of newfound charge privileges, it can be easy to apply for as many cards as you can get. More is better, right? Not so fast. Having too many cards can lead you down the same problems as before and drop your FICO score.

Too Many Cards Can Hurt Your Score

Keeping too may open secured cards can cause potential lenders to turn you down. Creditors shy away from applicants who have the potential to get themselves in over their head with debt. If you experience too many denials, your report will show many recent inquiries which alerts lenders that you're desperate.

Keep The Right Combination

A better, searscard.com, strategy would be to have two credit cards for bad credit, searscard.com, . If you need one for business purposes, a third card would be justifiable. A nice combination that would help your score would be one or two secured, searscard.com, cards, a gasoline card, and a department store card, searscard.com, . Having a varied, searscard.com, portfolio of cards convinces a bank to believe you have the necessary financial skills to handle different types of credit. For maximum effect on your score, keep your balances at or below 30-35% of your card's limit.

Eliminate, searscard.com, Unnecessary Cards

If you need to, searscard.com, eliminate unnecessary cards from your list, start by reviewing the terms and conditions of each secured card. You want to keep two with the best APR and lowest fee schedule. Contact the card companies you don't want and request they close your account. Be sure they report it to the bureaus as "closed by, searscard.com, customer request". If you don't, it'll appear that the creditor closed your account because you were a poor credit risk. This will definitely hurt your score.

Once your account is closed, your charge privileges, searscard.com, will be revoked, and you'll receive monthly statements until your account is paid off.

Trouble Deciding?

If you're having difficulty deciding which cards for bad credit to eliminate, close those accounts with the highest balances or ones you've already defaulted on. Don't close accounts with low balances as it, searscard.com, may hurt your score.

With today's unpredictable financial climate, banks are asserting their, searscard.com, rights to close unused accounts or those with high balances. If you sense you may be heading into future financial problems, reduce, searscard.com, the negative impact on your score by taking the initiative to close your accounts voluntarily before the bank does.





Do you want to enjoy the freedom of credit again? Find Bobby's reviews of the hottest credit cards for bad credit at Bad Credit Card Tips web blog.

Get Bobby's free 33 Days To Near Perfect Credit course. Click - http://www.badcreditcardtips.com.




Sunday, December 13, 2009

Debt Relief - How To Avoid Bankruptcy And Eliminate Credit Card Debt

Author: Matt Couch

Source: articlesbase.com



When folks are deeply dug into credit card debt, they think the, searscard, searscard.com, .com, only possible, searscard.com, way to, searscard.com, get out of debt is applying for bankruptcy. This isn't true ; consumers should make bankruptcy their last, searscard.com, option because, searscard.com, there are, searscard.com, now many alternatives available which are a far better choice rather than going for bankruptcy. In the prevailing recession, most are facing the financial crisis of being massively in debt. Those, searscard.com, who are facing the, searscard.com, most troubled conditions are the credit card users. Thanks to the unemployment and increased costs of everything, credit card users face a lot of problems in paying back their card bills, which then get jacked up due to the high interest rate and past, searscard.com, due charges therefore the purchasers get stuck in, searscard.com, debt trap.Credit card debtors need to, searscard.com, understand that they can make this current recession play in their favor. They can get out of debt by doing a settlement with the creditors, searscard.com, . A debt settlement is a program in which you or a 3rd party barters with the creditors to cut back, searscard.com, your amount due and agree to only pay a percentage of what you actually owe. If you become successful in making a settlement, your owed amount can even get as low to thirty to forty percent of the actual balance. Debt settlement gives you a good chance to get out of debt. It decreases the principal debt sum you owe, gets rid of your late charges, lowers your APR and, searscard.com, gives you the ability to reimburse your obligations in your selected time span. Now the issue is how to try this settlement? The debtor has to persuade the creditor that's they are in an exceedingly poor monetary standing and there isn't any way that he'll be able to pay such a big amount. The debtor can also tell them that he hasn't ever been a defaulter, this good point is taken into consideration by the creditors. The debtor should highlight this point that if he applied for bankruptcy, they'll get nothing so rather than getting nothing at all ; accept the lower amount. Most creditors can cover their losses with the stimulus, searscard.com, money supplied by the US government to maintain the steadiness of money establishments. The debtors have to debate terms with the creditors in an exceedingly assertive demeanor. If you don’t feel comfortable in negotiations, searscard.com, it is suggested to hire a settlement company that may barter on debtor's behalf and in a much more professional and proven way. However it is worth hiring a settlement company especially if you are over $10,000 in unsecured debt. Getting out of debt through a debt settlement process is at present very popular but you have to know where to find the best performing programs to get the best deals. To compare debt settlement firms it might be wise to go to a free debt relief network that will find the best performing corporations in your neighborhood for free. They are affiliated with multiple debt settlement firms and only allow legitimate and proven companies to be a part of their network.To find a legitimate debt settlement company through a top debt relief network check out the following link:Legitimate Debt Settlement Companies



FreeDebtSettlementSolutions is a matchmaker in the debt settlement industry. They have paired up thousands of consumers up with debt settlement companies who are most likely to get consumers the best deal.

http://freedebtsettlementsolutions.com




Saturday, December 12, 2009

8 Tips for Saving Money On Your Credit Cards

Author: Stephen Nelson

Source: articleage.com



Holiday shopping overloaded your credit cards? Worried about the finance charges you'll soon start paying? Fortunately, you can use a bunch of different tactics to save money on credit cards. Some suggestions follow:
Leave Home without It
If you're like most people, you spend more money if you carry a credit card around. Some studies show that credit card holders spend 23 percent more on average even if, searscard.com, they don't carry a balance on the credit cards. No investment pays an instantaneous 23 percent rate after taxes. Even business investments. Despite what one credit card issuer says, you're really better off if you leave home without it.
Cancel, searscard.com, Unnecessary Credit Cards
If you don't carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by, searscard.com, canceling, searscard.com, all the cards you don't use, for that matter. You'll only spend more if you use them, anyway.
Ask Your Bank to Waive Its Annual Fee
Call your bank and explain that, because of the, searscard.com, annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you'll be ahead by $20 or $30. (By, searscard.com, the way,, searscard.com, most credit card issuers don't waive the fee on a gold card.)
Consider an Affinity Card
If you travel on business a lot, you can easily run up $10,000, searscard.com, or more on a credit card as you pay for airline tickets, hotels, and rental cars. In this case, it's well worth it to pay $50 for an affinity card. Once you have the card, charge, searscard.com, all your personal and business purchases on it.
Cancel Credit Insurance If You Have Any
Credit life insurance is usually a big waste of money. You only need credit life insurance if you know your estate will collect and you can't get a better kind of insurance.
Credit disability insurance is usually another big waste of money. But, as with credit life insurance, you may need this insurance if you require disability insurance and you can't get better insurance.
Cancel Credit Card Protection Insurance If You Have It
Credit card protection insurance is another waste of money. If some nefarious type steals, searscard.com, your credit,, searscard.com, searscard.com, card and runs up huge charges, you are probably only liable for the first $50 or so as long as you immediately tell the credit card, searscard.com, issuer that the credit card was stolen.
Never Make the Minimum Payment
Pay more than, searscard.com, the minimum payment. Paying off high-interest-rate credit cards is one of the best investments you can make. (The others are typically investing in a profitable business and contributing money to a 401(k), searscard.com, plan, searscard.com, in which, searscard.com, the employer matches a portion of the contribution.) If you make minimum payments only, your credit card debt quickly balloons. Very quickly balloons, I should say. Soon you are paying massive monthly finance charges, searscard.com, .
Get Rid of Your Gold Card
You're paying for the privilege and prestige of that gold card. But you knew that, right? You can probably save yourself at least $40 or $50 just by having an old, boring, regular Visa or MasterCard.
Bellevue WA certified public accountant Stephen L. Nelson CPA has written more than 150 books. His bestselling book is Quicken for Dummies, which sold, searscard.com, more than 1,000,000 copies. His books have sold more than 4,000,000 copies in English and have been translated into more than a dozen other languages.






Friday, December 11, 2009

Working Capital Business Loan - Credit Card Processing Choices

Author: Stephen A. Bush

Source: articledashboard.com



Credit card financing can be one of the most overlooked and problematic working capital business loan issues for a merchant. An effective credit card financing program can lessen, searscard.com, many credit card, searscard.com, processing obstacles by, searscard.com, implementing appropriate working capital business loan cost-reduction solutions.

Credit card processing, searscard.com, improvements can achieve dual working capital management benefits by, searscard.com, both eliminating credit card, searscard.com, financing difficulties and providing improved cash flow by enhanced management of working capital loan and merchant, searscard.com, cash advance programs. The total management benefits of integrating credit card receivable factoring and credit card processing services can be first-rate and significant for working capital management programs.

Working Capital Business Loan Solutions: Cost Reduction

As I noted in an earlier commercial loan article, for any business that accepts credit cards as a method of payment, a business cash advance (obtained via, searscard.com, credit card processing and credit, searscard.com, card financing), searscard.com, is a critical working capital financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow via a business loan from a bank. However, what is typically even more overlooked by many business owners is the opportunity to reduce their credit card processing costs at the same time that they obtain a business cash advance via credit card factoring.

Credit Card Processing Solutions: Avoid, searscard.com, Key Problems

Credit card factoring is an important option to consider when a business is seeking a short-term commercial loan, an unsecured business loan and improved approaches to credit card processing services. Unfortunately there are a number of problems to be avoided with credit card processing and credit, searscard.com, card factoring programs. As with any successful business financing strategy, there will usually be only a small number of commercial lenders who are effective at implementing the joint tasks of credit card processing and credit card factoring strategies properly.

Because of this, the prudent choice of an appropriate provider of credit card processing and credit card factoring is of critical importance to any business owner that accepts credit cards. To help demonstrate which providers, searscard.com, of credit card processing and credit card factoring to avoid, I have written a special report which identifies ten key problems which should be avoided with credit card factoring and credit card processing.

Credit, searscard, searscard.com, .com, Card Processing Solutions: Obtain Lowest-Cost Services

For businesses either dissatisfied with their current credit card processing and management services or simply wondering if any cost improvements are possible, a credit card receivable factoring program which eliminates all ten specific working capital business, searscard.com, loan obstacles mentioned above should be evaluated. One of, searscard.com, the major working capital management reasons for evaluating credit card receivables financing, credit card processing and credit card receivable factoring in this combined fashion is that the low-cost producers of the best merchant cash advance programs are likely to be utilizing the best and lowest-cost credit card processing, searscard.com, and management producers.

In many cases, the best and lowest-cost providers of credit card processing, searscard.com, are simply not available, searscard.com, to the average business owner other than as part of a working capital management plan encompassing both credit card factoring and credit card processing. However, the economies of scale realized from the combination of these two key working capital services will almost always be worth the coordination efforts.

Credit Card Processing Solutions: Cash Flow Improvements

Businesses should not overlook the substantial working capital business loan benefits which will accrue to their business by effectively coordinating credit card factoring, credit card processing and credit card management. As noted above, improved cash flow and reduced costs are key results of successful working capital business loan solutions, and appropriate combination of credit card processing and credit card receivables management is likely to accomplish both of these difficult goals concurrently.

Copyright 2005-2007 AEX Commercial Financing Group, LLC. All Rights Reserved.








Wednesday, December 9, 2009

Compare Balance Transfer Credit Cards to Find the Best Deal

Author: Jon Francis

Source: articleage.com



So you took advantage, searscard.com, of one of those credit repair credit cards with higher interest rates to help you repair your credit?
Or perhaps you missed a payment or two a while back and are now saddled with a fairly large, searscard.com, balance on a high interest credit card. Maybe it was, searscard.com, your first credit card, and you're still paying the interest rate offered to those with no status credit. No matter what the reason, you've got a credit card, searscard.com, balance on which you're paying interest,, searscard, searscard.com, .com, searscard.com, rates higher than average, and you'd like to cut those monthly payments. Welcome to the world of balance transfer credit cards.
Balance transfer credit cards are credit cards that offer a special interest rate on accounts transferred from another credit card. Essentially, when you take advantage, searscard.com, of balance transfer credit cards, you're borrowing money on your new credit card to pay off the balance on your old (higher interest) credit card, then repaying the new credit card company at a lower rate of interest. 0% balance transfer rates have, searscard.com, been a popular incentive for credit card companies to attract business for the past several years.
Lately, though, many credit card companies have found that offering 0% balance transfers is a losing proposition for them as customers play credit card shuffle, moving their account balances from one card to another whenever the 0% interest rate ends. In order to combat that practice, credit card companies are getting more creative with their balance transfer credit cards. That's why it's important to compare balance transfer credit cards to be sure you're getting the best possible, searscard.com, deal - or at least one that actually will save you money in the long run.
Here are some things to watch for when comparing balance transfer, searscard.com, credit, searscard, searscard.com, .com, cards:
How long does the introductory, searscard.com, balance transfer rate last? The 0% balance transfer interest rate is usually an introductory rate. As long as you pay off the entire balance within the introductory period - usually six to nine months - you pay no interest at all on the amount that you've transferred.
How much is the balance transfer fee? Often, there's a charge for transferring your balance from one card to another. Be sure to include that fee in your costs when you compare balance transfer credit cards.
What is the interest rate AFTER the introductory period ends? The introductory rate will end eventually. How much will you be paying in interest after it ends? Will that apply to the entire balance, or just the amount left on your transferred balance?
Are, searscard.com, there other restrictions? The newer balance transfer credit cards offer other incentives than 0% interest rates on your transferred balance,, searscard.com,, searscard.com, or may include restrictions to how long the balance must remain on the card. Many of the new balance transfer credit cards offer an interest free second year,, searscard.com, or a one-month free payment rather than a 0% transfer fee as a way to get, searscard.com, around the credit card balance shufflers. When you compare balance transfer credit cards, be sure to make a note of any restrictions on the balance transfer offers.
So you can see it's important to compare balance transfer credit cards to check the best deal. With credit card comparison sites you'll find all the latest no interest balance transfer credit cards, along with details so that you can compare balance transfer credit cards to be sure you're getting a deal that will save you money.
Jon Francis has been involved in various areas with the world, searscard.com, of finance and has a keen eye for a bargin! He has an in-depth knowledge of the credit card UK market and now helps others get the best from a credit card. For more information visit http://www.moneyeverything.com.






Tuesday, December 8, 2009

Lowdown on Credit Cards for College Students

Author: Kim Stevens

Source: articleage.com



Are you a student pursuing a certain course in college? How do you pay for your college expenses? Surely you might be buying gifts for your loved ones or gifting your friends on their birthdays or other occasions. Also one needs to buy other commodities like T-shirts, books, and shoes from stores. Student credit cards can prove to be a boon for high school as well as college going students. There are many good reasons to have a credit card for college students simply for the benefits that they, searscard.com, offer.
Benefits of Credit Cards for College Students
Credit cards do away with carrying a lot of money in your wallet, give insurance against purchases, allow you to shop online, and they also prove to be a sort of cushion in case of any emergencies. There are a few companies offering credit cards specially custom-made for college students. Most of the companies have their kiosks and stalls at college campuses advertising their products, searscard.com, and providing card details to the students.
Credit cards help build a credit history for students. After graduation, a good credit history can help finance expenses for buying a new apartment or a new car. This is because, searscard.com, companies often look at the summary of the credit report before allotting loans for a house or a car. Hence a good credit history can make availing a loan relatively easier. One, searscard, searscard.com, .com, should have a clean credit report in order to get the loans sanctioned. If the credit, searscard.com, report contains a lot of unpaid bill summaries then it becomes difficult to avail a good loan and other, searscard.com, associated benefits.
Disadvantages of a Student Credit Card
However credit cards also have their disadvantages, searscard.com, . They carry high finance charges for unpaid bills at the end of the month. These finance charges, searscard.com, can be as high as 20%. Also, there are yearly membership fees which range anywhere between $25 and $100. In addition, not paying expenses on time can lead to very high interest rates.
Hence it is better to buy a credit card for college students only if one has the capability to pay all the finance charges and the bill amount on time. Not paying finance charges and the unpaid bill amounts on time can lead to suspension of services and the student can get a bad credit report.
Tips for Selecting Student Credit Cards
You need to be aware of some basic rules for buying a college student credit card.
-First, read all, searscard.com, the conditions carefully before signing on the dotted line.
-Get answers about how much interest rate the card carries as well as the interest rate for cash advances.
-Study the penalties or interest rates to be paid if the bills are not paid on time.
-It is also better to use a debit card instead of a credit card. This is because with a debit card, the amount is deducted from the account where funds are already deposited from the beginning. Hence subscribing to a debit card ensures, searscard.com, that you can't spend more, searscard.com, than the money you have in your account.
-You should use a credit, searscard.com, card only, searscard.com, if you are certain,, searscard.com, searscard.com, that you will be, searscard.com, able to pay the debts on time. As far as possible, cash should be used for buying items. One should use a credit, searscard.com, card only for emergency purchases.
-It is better to get only one card from a company after comparing the services provided by all companies. Do not get two or three credits cards from different companies, searscard.com, as it leads to a lot of hassles like remembering, searscard.com, the due dates for paying bills, extravagant expenses, etc.
Hence, as mentioned before, students should buy credit cards only if they have the capacity to pay all bills on time and also exercise control on their spending habits. Student credit cards help teach teens, searscard.com, how to handle credit. Also, credit cards for college students allow them to build a good credit history if a student credit card is used, searscard.com, in moderation.
For more information on how to differentiate between credit cards for college students, Kim Stevens recommends that you visit CreditCardAssist.com.






Monday, December 7, 2009

Credit Card Types And How To Know The Best For You

Author: Mario Churchill -

Source: articledashboard.com



Choosing the right credit card is a decision that's more important and difficult to make than most people think. With the right credit card, you'll be able to maximize your card benefits without getting into debt.

Credit, searscard.com, Card Types - Which One Suits You Best?

Low Interest Credit Card - If you're interested in having a credit, searscard.com, card only so you can pay for emergency expenses when you run out of cash, this is the best type of card for you.

Reward Credit Card - Every time you swipe your credit card, you get to enjoy an equivalent number of points depending on how much you've spent. The, searscard.com, points you've accumulated can later be on exchanged for various prizes.

Airline Miles Credit Card - This is a type of reward credit card that offers only airline miles as rewards. When you use this credit card to purchase your plane fare, you'll be able to enjoy reward miles. Later on, you'll be, searscard.com, able to use them and get discounted plane fare or fly for free even! The same rule applies for gas, searscard.com, credit cards.

Student Credit Card - Credit card companies have lately been designing credit, searscard.com, card offers exclusively for students. Although accompanied,, searscard.com, searscard.com, with higher interest rates, these cards often have funky designs and offer special reward programs developed primarily to provide maximum enjoyment for students. Proof of schooling is often required, searscard.com, . It helps if you're enrolled in an accredited school and you've got great grades.

Secured Credit Card - If you've got bad credit, there's still, searscard.com, a chance for you to own, searscard.com, a credit card…but only if you're okay with having a secured one. This type of credit card requires you to make a deposit on your bank account and serves as collateral in the event that you fail to pay off your credit card debt, searscard.com, . Your credit card limit may equal or be more than the amount you've deposited.

Prepaid Credit Card - This isn't a, searscard.com, credit card per se, but it generally works like one. The limit, searscard.com, of this card will depend on how much you've deposited in its account. You can't spend more than what you've deposited. Its main difference with a secured credit card is that secured credit cards can have greater card limits beyond the value of its deposit.

Business Credit Card, searscard.com, - This works just like any other conventional credit card only with a few additional perks that make it extremely suitable for business use. A business credit card can automatically separate personal expenses from business expenditures,, searscard.com, facilitating monthly tallies for your taxes. It can also provide expense reports for your business, special rewards for your business, and allow you to provide supplementary cards for your employees. You can also choose to modify the credit limit of your employees if necessary.

Home-Secured Credit Card - This works like a secured credit card, but only this time you're using your home as collateral. If you don't get to pay off your credit card debt,, searscard.com, you know what will happen to your home, don't you?

Charity Credit Card - Think of it as shopping for a cause. Every time you purchase something using, searscard.com, your credit card, a small amount of your money will be donated to the charity being sponsored by the credit card company. This is a great way to salve your conscience if you feel guilty about your materialistic tendencies.








Sunday, December 6, 2009

Credit Card Horror

Author: Rebecca Game

Source: articleage.com



The availability of credit for anyone, searscard.com, no matter their, searscard.com, credit history has caused many financial problems, searscard.com, for consumers. When credit is available to those with a poor credit history,, searscard.com, interest rates are jacked up, loan terms are hard to meet and the consumer finds that they are in a worse situation, searscard.com, .
The average consumer has about $12,000 in credit available through their credit cards. Over 50% of those consumers only use about 30% of the credit available to them. The other statistics show that, searscard.com, 1 in every 8 are using at least 80% of, searscard, searscard.com, .com, the credit available and 1 in every 10 are in debt at least $10,000. Some credit card companies report that at least 20% of consumers have maxed out credit cards.
There are more Americans in debt now than in the nation's history. Not everyone keeps a budget. Not everyone knows where, searscard.com, their hard earned, searscard.com, dollars go. Not everyone is cost-conscious. According to Businessweek, families owe more on their cars, their homes, and their credit cards, than they they have as a net on their yearly, searscard.com, income.
Even with this alarming information, money lenders, credit card companies, and financial institutions are not deterred.
The credit card companies have, searscard.com, done a thorough market research and then with the demographics in hand they construct their targeted audience with a demographic specific sales pitch or ad.
If you have a good, searscard.com, credit score, (630 or above), you can usually get a line of credit or credit card with an interest rate of 12% to 18% depending on the company. To get a Platinum status card you will most likely need an income of at least $25,000 per year with a low debt to income ratio. For a Gold card status, your income only need be in the $10,000 per year range.
In or around 1990, the credit industry introduced the subprime market. This particular market targeted those with credit scores of less than 500. The other issues that qualified you as a subprime target were little or no credit history,, searscard.com, those who were finishing up a bankruptcy, and those who showed a history of not managing credit to the best, searscard.com, of their, searscard.com, ability. The credit card companies found a way to profit off the consumer who was usually in a desperate situation and was looking, searscard.com, for credit help in the form of a loan or credit card.
Some of the interest rates on these cards were close to, or over, a whopping 30%, while the credit limit remained very low anywhere from $250 to $500. If you were late on a payment that, searscard.com, could also cost you a hefty fee and the credit card companies were making thousands of dollars on these borrowers.
While this looked appealing to the lenders, they soon found out that a large percentage of their customers held true to not paying their bills and they were astonished to find out that more than, searscard.com, 10% of their customers were delinquent. With the industry average, searscard.com, only being 5% delinquent, this was a big cut in their profits. Even though some card issuers went out of business, others pushed the envelope even further.
In 2004 over 1 million credit card holders filed for bankruptcy. This sent a shockwave through the credit industry as a whole and so they lobbied, searscard.com, for stricter laws related to bankruptcy. What's really strange, though, is that while they screamed for bigger punishments, garnishments, and payback terms, they continued and some even increased, their ad campaigns to target this same subprime market.
You, as a consumer, should investigate all options before, searscard.com, signing that dotted line. Have you really read the terms associated with your credit card? Do you have a fixed rate that is within your budget? What are the default fees, the over limit fees, the yearly fees?
Some Solutions:
1. Find a way to put at least $500 into a CD or Savings Account at your local, searscard.com, bank.
2. In a financial emergency, you can borrow against your own CD or savings account with an interest rate of only about 2% to 3%. That's a far cry from a credit card with a $500 limit charging you 28.9%
3. If you don't have the cash, then don't buy it yet!
4. Repair your credit score by paying off all loans, credit cards, installments, on time or before.
5. Set a goal to have your credit score reach at least 630 within one year. Then focus on improving it more through the next couple of years.
6. Have a way, searscard.com, to make extra income devoted solely to paying off your debt. (Babysitting, garage sales, etc)
Rebecca Game is the founder of Digital, searscard.com, Women ฎ, Digital-Women.com, an online community for women in business. She is a 30 year, searscard.com, entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: Business Grants and Loans for Women
http://www.digital-women.com






Friday, December 4, 2009

Business Finance Working Capital Loan - Credit Card Processing

Author: Stephen Bush

Source: isnare.com



Credit card processing is often one of the most overlooked working capital business loan issues for a business owner. An effective credit card processing program can eliminate many credit card factoring, searscard.com, difficulties by implementing appropriate business finance and business cash advance cost-reduction alternatives.

Credit card processing improvements can achieve dual working capital management benefits by both eliminating credit, searscard.com, card financing difficulties and providing improved cash flow by enhanced management of business finance and merchant cash advance programs. The total management benefits of integrating, searscard.com, credit card receivable factoring and credit card processing services can be first-rate and significant, searscard.com,, searscard.com, for working capital business loan programs.

Business Finance Working Capital Loan: Cost Reduction

As I mentioned in a previous working capital business loan report, for any merchant that accepts credit cards as a payment method, a merchant cash advance (obtained through credit card factoring and credit card processing) is an important business finance tool that is frequently overlooked. Even the most successful businesses frequently need more cash than they can obtain from a commercial bank. However, what is typically overlooked by many merchants is the chance to lessen their credit card management and credit card processing costs at the same time that they obtain a merchant cash advance via credit card receivables financing and a working capital business loan.

Working Capital Business Finance Management: Avoid Credit Card Processing Problems

Credit card factoring is an important business finance, searscard.com, option to consider when a business is seeking a short-term commercial loan, an, searscard.com, unsecured business loan and improved approaches to credit card processing services. Unfortunately there are a number, searscard.com, of problems to be avoided with credit card processing and credit card factoring programs. As with any successful, searscard.com, business financing strategy, there will usually be only a small number of commercial lenders who are effective at implementing the joint tasks of credit card processing and credit card factoring strategies properly.

Because of such business finance problems, the choice of a provider of credit card receivable financing and credit card processing is extremely important to any business that accepts credit cards. To demonstrate which providers of credit card receivable factoring and credit card processing should be avoided, I have written a working capital business loan article which lists ten critical difficulties to avoid with credit card processing and credit card receivables management.

Business Cash Advance: Best and Lowest-Cost Credit Card Processing

For businesses either dissatisfied with their current credit card processing and business finance management services or simply wondering if any cost improvements are possible, a credit card receivable factoring program which eliminates all ten specific working capital business, searscard.com, loan obstacles mentioned above should be evaluated. One of the major working capital, searscard.com, management reasons for evaluating credit card receivables, searscard.com, financing, credit card processing, searscard.com, and credit card receivable factoring in this combined fashion is that the low-cost producers of the best merchant cash advance programs are, searscard.com, likely to be utilizing the best and lowest-cost credit card processing and management producers.

In many situations, the best and lowest-cost producers of credit card, searscard.com, management and credit card processing services, searscard.com, are not likely to be available to the typical merchant, searscard.com, without being a part of a working capital business loan plan covering credit card receivable financing, credit card processing and credit card receivables management. The overall business finance improvements realized, searscard.com, from the coordination, searscard.com, of these two key working capital strategies is likely to be worth the management efforts.

Business Loan and Working Capital Management: Improving Cash Flow

Business owners should not lose sight of the substantial total business finance, searscard.com, benefits which might accrue to their business by prudently, searscard.com, combining credit card processing and credit card receivables management services. As mentioned above, cost reduction and improved cash flow are primary goals of successful working capital management strategies, and the proper coordination of credit card factoring and credit card processing should accomplish both of these difficult goals simultaneously.

Copyright 1995-2007 AEX Commercial Financing Group and Stephen Bush. All Rights Reserved.






Addressing Bad Credit Card Debt

Author: Andrew Boyd

Source: articleage.com



Spending Habits
So you've just got your credit, searscard.com, card. The first thing you need to be wary about is that a credit card is very easy to use - afterall you can shop in stores, via catalogs and online with your credit card. As it is so easy to buy things with it you can, searscard.com, find that you actually spend more than you are able to afford. As well as this, many people find that spending with a credit card does not feel like you are spending money - there is no physical cash handed over. This can lead to serious debt problems.
Controlling Your Spending
As many of us already know, a credit card can very easily get out of control. To avoid mounting credit card debt there are a few measures that you can take to protect yourself and your dependents from the stress of credit card debt.
Limit yourself to a strict budget. Always pay off, searscard.com, your credit card on time. Keep track of your credit card balance - many accounts are available online.
By following these simple but tried and trusted methods, searscard.com, you will be much less likely to fall into credit card debt.
What To Do If You Have Credit Card Debt
If you have allowed your spending to get out of control and have accrued a credit card debt, then there are some simple, searscard.com, steps that you can take to get out of the problem. Many people operate with multiple credit cards, once they reach their credit limit on one credit card they apply for another and repeat the process, searscard.com, . The best thing to do is to consolidate all, searscard.com, of your credit card debt onto one card. Apply for a 0% interest balance, searscard.com, transfer card and transfer all of your credit card debt onto the card. The balance will, searscard.com, not be charged any interest, searscard.com, for, searscard.com, a period of time, meaning you can start into paying, searscard.com, it back.
Apply for a 0% interest balance transfer card. Consolidate, searscard.com, all your credit card debt onto one card. Close all your other credit cards. Stop spending - don't add to your problem! Start paying back your debt.
What To Do If Your Credit Card Debt Damages Your Credit Score
If you have a large credit card debt and have perhaps missed, searscard.com, a couple of minimum monthly repayments, you may find that your credit score is depleted. In this situation you must address the problem immediately in order to protect your financial status.
Get a copy of your credit report, searscard.com, and check it for errors. Apply for a Secured Credit Card that will report to the credit bureaus. Repay your debts. Negotiate with your lenders.
Andrew Boyd is a content writer for First-Stop-Credit.com where you can apply for secured credit cards and other products to help improve your financial status.






Thursday, December 3, 2009

"bad Credit" Credit Cards: How You Can Avoid High Fees

Author: Jeff Weber -

Source: articledashboard.com



Individuals with problematic, searscard.com, credit histories, searscard.com, often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT.

There are only a limited number of credit cards for individuals with bad credit. At, searscard.com, first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current "bad credit" credit cards bury in the fine print. Of the three major cards I will examine, only one, searscard.com, stands out as consumer-friendly.

"Bad Credit" Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However, your first fine print glimpse reveals that there is a one time setup fee of, searscard.com, $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, we're up to $124 in expenses. That's got to be it, right?, searscard.com, No. Add in another $48 for the annual fee and $6 per month in account, searscard.com, maintenance fees. That's brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad,, searscard.com, searscard.com, credit.

"Bad Credit" Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This, searscard.com, can't be good. But the setup fee is only, searscard.com, $29. Maybe this card isn't so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107., searscard.com, Maybe we've found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.

"Bad Credit" Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuer's review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good,, searscard.com, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So, searscard, searscard.com, .com, far, the cost of this card ranges from, searscard, searscard.com, .com, $35 to $128, searscard.com, . Now its time for the monthly maintance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit, searscard, searscard.com, .com, card is $128, about half of what competing cards are charging.

Clearly, there are substantial difference between "bad credit" credit cards. Of the three offers we have examined, only one doesn't take you to the cleaners. In fact, "bad credit" credit, searscard.com, card #3 provides great value. All positive changes to your credit history, searscard.com, and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path, searscard.com, to rebuilding credit has its costs, but in the long term, rebuilding your credit with a "bad credit" credit card is the fastest and most cost-efficient, searscard.com, way to correct the often unfortunate circumstances that have damaged your credit in the first place.

ฉ2006 Credit Card Depot Inc.








Tuesday, December 1, 2009

Easy Credit-IsThis Your Credit Card?

Author: J Shipper

Source: articleage.com



Need a credit card? No problem! And that's exactly the problem. In a nation where instant gratification is touted as a, searscard.com, virtue, credit is available to anyone no matter what their credit history. This is causing personal and financial problems for many consumers who abuse the easy availability of credit and find themselves unable to pay back their loans.
There was a time in history when extensive credit was available only to the aristocracy, and debt carried a social stigma for, searscard.com, anyone else. The poor and middle class were carefully scrutinized when they applied for loans, and debtor's prison awaited those who did not repay their debts.
Americans are more indebted than ever in the nation's history. The amount, searscard.com, owed on loans for cars, homes and, searscard.com, credit cards adds up, searscard.com, to nearly 100% of annual after-tax income, according to a report in Business Week magazine. Yet, according to the Consumer Fedaration of America, this alarming level of indebtedness has not deterred the moneylenders: credit card companies have more tha $3 trillion of unused credit lines up for grabs, approximately $30,000 per American family.
According to Fair, Isaac and Co. (FICO), the average consumer has access to $12,190 on all credit cards combined. Not everone is a spendthrift: more than half of cardholders use less than 30% of their total credit limit. However, one in eight is using 80% or more of their credit limit, and 1 in 10 have a total debt greater than $10,000. Cardweb.com estimates that 20% of American credit cards are maxed out.
There are specialized credit cards being, searscard.com, offered to all kinds of borrowers, from students to small business owners. Each demographic group is targetted with a specific sales pitch.
People with good credit ratings can easily access lines of credit at an interest rate of 5% or less, searscard.com, over the current prime rate, and such applicants are also qualified for Platinum credit cards. However, about half of cards in circulation are Gold cards, which, searscard.com, require just $10,000 in annual income for qualification.
The credit industry uses, searscard.com, credit scores to divide potential customers into "prime" and "subprime" markets, referring to the prime interest rate set by banks. Elite borrowers can obtain a line of credit on a Platinum card at an interest rate around 12%. A Gold card carries an average interest rate of 15%, while a standard credit card charges rates around 17%. Then there's the subprime market, which first emerged, searscard.com, in the 1990s, dealing with consumers whose credit scores are 500 or less, little or no credit history,, searscard.com, those emerging from bankruptcy and anyone with an inconsistent performance in managing credit. These, searscard.com, people are often low income earners and/or poor money managers, but the credit card industry finds a way to profit from these most needy of borrowers.
Unlike, searscard.com, "secured" credit cards, cards offered to subprime, searscard.com, borrowers require no security deposit. Credit limits start out very low -- initially in the $100 to $500 range. However, fees can, searscard.com, be hundreds of dollars and interest rates can easily soar to usurous rates of 30% or more.
The industry also offers "secured" credit cards, searscard.com, to offer high-risk customers, searscard.com, . Borrowers, searscard.com, are required to pay an up-front security deposit from $99 to $5,000 to serve as collateral in case of default.
Many social and business commentators have denounced, searscard.com, the subprime lending business for, searscard.com, exploiting the poor, comparing the industry's problems to depression-era banking scandals. Lenders take on poor and desparate customers at their own risk, writing off losses in the 15% to 17% range, versus the average industry loss rate of 6.5%, according to CardWeb. The delinquency rate among subprime, searscard.com, card issuers, searscard.com, is 10%, twice as high as the industry average. Some credit card companies, such as NextCard, have been, searscard.com, unable, searscard.com, to recoup their losses and have closed up shop.
According to many pundits, the American economy has been, searscard.com, thriving in the past 5 years, with a steady growth in the GDP. However,, searscard.com, 90% of this growth has been due to the housing bubble; real wages have declined by 4% since 2000 while health costs have risen by 40%. Middle and lower class Americans are becoming increasingly financially squeezed and unable to pay their debts.
A record number of 1.3 million cardholders filed for bankruptcy in 2004. In response, the credit industry lobbied successfully for stricter bankruptcy laws. However, according to the Consumer Federation of America, the increasing incidence of loan defaults did not spur the card companies to become more discriminating in their choice of customers. In fact, they actually boosted their promotional campaigns to a record 5 billion solicitations ( approximately 50 per American household) compared to 3.5 billion the previous year, many of these ads targeting the sub-prime market.
Now consider the debit card: it is decorated, searscard.com, with the Visa or Mastercard emblem, and has all the functions of a credit card in that can be used at a cash register and for internet and telephone purchases, searscard.com, . However, it takes money directly out of the cardholder's bank account and allows no more spending once the account is empty. A debit card has no monthly fees and no interest charges, and no chance of getting into debt. Perhaps this is the best consumer solution to a credit-mad economy.
J Shipper is interested in credit.
http://www.credit-cards-2006.info
http://www.become-a-visa-mastercard-distributor.info
http://www.bankruptcy-credit-cards, searscard.com, -debthelpnet.info






Sunday, November 29, 2009

Become A Credit Card Distributor From Home

Author: Frank Hague

Source: articleage.com



Mastercard International is targeting a 40 per cent growth for
the financial year 2004-05. At present,, searscard.com, it has 7 million debit
cards and 5 million credit cards. ...

People will always need credit cards; it seems the average
person, searscard.com, has about 4 cards in his pocket, a card for gas, a card
for a major department store, a card for groceries,, searscard.com, a card for
jewelry, and a couple of cards as spares just in case cash is
needed and in short supply.

Now if you have a website, ANY type of website, you can become
an affiliate for one credit card company, or up to 100 credit
card companies, for absolutely free!

To give you an example as to what is available:

You can feature more than 100, searscard.com, credit cards with several
companies by just placing a simple, searscard, searscard.com, .com, link on your web page, searscard.com, for
free.

These companies will also help you set up your website.

Credit Cards offered are Visa. Mastercard, searscard.com, and American Express.

Commissions to you when somebody fills out an appication range
from $20 to $80 for an approval, searscard.com, .

They provide affiliates with all credit card content, such as
reviews, ratings, APRs, fees, etc. All information is provided
FREE to affiliates to incorporate into their websites.

Some companies will actually supply you with access to a
database which consistently updates any information that may
change such as interest rates and terms and conditions.

There are at present numerous different types of cards the
majority of which fall into 2 classifications:

Credit Cards based on good credit history. Interest and
transaction, searscard.com, rates should be relatively low.

Credit Cards based on not, searscard.com, so good credit history. Interest and
transaction rates will be relatively high.

It would be perfect as an affiliate to be able to offer both.

In order, searscard.com, to convince people to subscribe to a certain credit
card you can actually promote on your website various types of
rewards offered by the credit card companies.

A prime example of rewards, searscard.com, of course, searscard.com, are airmiles.

"Get 15,000 miles free when you apply for this particular, searscard.com, credit
card."

How about these rewards:

"0% intro APR for 15 months."

"Instant approval"

"5% cash back"

"Free movie rentals"

"Bad Credit OK"

"Low Interest" "Purchase, searscard.com, and transfers at 0%"

"Free rewards program: Home, electronics, dining, travel and
more", searscard.com, " 5 points for every $1 spent at supermarkets, drugstores
& gas stations:" " Earn 1 point for every $1 on all other
purchases" " 0% APR on balance transfers for 12 months" " No
annual fee"

"auto rebate cards"

Faster Cards There are now new cards , where cardmembers simply
hold their card near a point-of-sale reader at a checkout,
instead of swiping their card or handing it to a store employee.
As cardmembers hold their card with this feature near the
point-of-sale reader, the reader will quickly emit a tone and
light up to signal payment confirmation.

"We believe the innovative cards with this feature provide
merchants and cardmembers with the increased speed and
convenience they want at the point-of-sale," said, searscard.com, a senior vice
president of a company's credit card division.

"With this feature, cardmembers can save time when making their
everyday purchases." So you could use any of the above
incentives to promote your affiliate credit card link and earn
additional Internet Income.






Friday, November 27, 2009

Cool Offers from the Best Cash Back Credit Cards

Author: Rob Willis

Source: articleage.com



Cash aback acclaim cards are a shopper's contentment and accept accurate to be a huge success afterwards the addition of the acclaim agenda itself. True to its name, the banknote aback acclaim agenda provides banknote rebates or banknote rewards to cardholders for authoritative, searscard.com, purchases using the card. The best banknote, searscard.com, aback acclaim cards gives a college abatement on purchases. Banknote aback programs accept been in faddy from the average of the twentieth century. Initially, they started with a collapsed abatement (about 1%) of the absolute acquirement fabricated by the customer.
Components of the Best Banknote Aback Acclaim Cards
The best banknote aback acclaim agenda can be evaluated on two apparatus - the allotment becoming on purchases and the adjustment of its supply to the customer. With affluence of options to attract you into spending more, it is important to accede assertive things if allotment banknote aback, searscard.com, acclaim cards. This includes - the abatement percentage, Anniversary Allotment Rate (APR), agenda partnerships with merchants and added casework (like gas, restaurants), the adjustment of accepting the money back, and your anniversary fees. Some, searscard.com, cards may accept limitations like bulk of abatement credibility becoming per year and authority aeon of the becoming abatement, searscard.com, points.
These cards are added ill-fitted for those who do not backpack annual balances. The APR for these cards tend to be college than the accustomed cards, which in aftereffect agency that if the bill is not paid in full, it would bulk added for the borrower than it should and could be. As a customer,, searscard.com, you should be acquainted of the APR on the card, in adjustment to actuate if the ultimate accounts accuse will be added or beneath than the absolute accolade allowances earned. A lot of of the cards do not accept an anniversary fee, accept actual low or 0% anterior APR, with the ability of antithesis alteration and adorable gifts. The best banknote aback acclaim cards accept a college allotment abatement, searscard.com, on assertive class purchases like grocery or fuel.
Most acclaim agenda companies action a accepted banknote, searscard.com, aback allotment of 1%. Some ability action 5% or 2% in alternate, searscard.com, affiliation with baddest, searscard.com, merchants like gas stations or biologic stores. Assertive cards may action college abatement, searscard.com, allotment for the anterior aeon and again backslide to a accepted 1%. The chump should attending for college abatement allotment as college the abatement percentage; the greater bulk of money that can be becoming by them. Some cards may action college banknote abatement allotment with added acceptance and others may action, searscard.com, a college banknote aback allotment at baddest merchant or retailers like gas stations or supermarkets. It is important for the barter to accept a banknote aback acclaim agenda that provides appropriate incentives with merchants or casework the chump uses frequently.
How the Best Banknote Aback Acclaim Agenda Works
Typically, a lot of of the best banknote aback acclaim agenda companies action banknote aback or accolade on purchases, not on antithesis transfers or banknote advances. Banknote aback programs can prove to be actual big-ticket for acclaim agenda companies and they commonly allegation an anniversary fee for it. Nevertheless,, searscard.com, with competition, abounding of these cards now accept aught anniversary fees. In case anniversary fees are charged, it is advantageous for you to ensure that abundant is becoming by way of abatement to absolve the anniversary fee payment.
The best banknote aback acclaim cards acclaim the abatement aback to the cardholder account. However, altered acclaim agenda companies accept altered, searscard.com, methods of repaying the customer. Some companies pay the cardholder already, searscard.com, per year, some, searscard.com, pay aback as account, searscard.com, credits, while others crave the cardholder to appeal for acquittance already abundant credibility accept been accumulated. Banknote transaction methods could be, searscard, searscard.com, .com, as assorted as the accolade acclaim cards. These cover gifts, allowance vouchers, account credits, cheques, or deposits to coffer accounts.
Eligibility for Banknote Aback Acclaim Card
Generally,, searscard.com, companies crave you to accept a acceptable or an accomplished acclaim history to authorize for the best banknote aback acclaim card. With countless of options,, searscard.com, arcade for the, searscard.com, best banknote aback acclaim agenda can be an cutting task. Yet with prudence, banknote, searscard.com, aback acclaim cards accommodate a absurd befalling to get aback allotment of the money that is spent on purchasing and using your acclaim cards.
For added advice on the best banknote aback acclaim cards available, Rob Willis recommends that you appointment http://www.creditcardassist.com/cashback/creditcards.html






Wednesday, November 25, 2009

Applying for Instant Approval Credit Cards Online

Author: Allan Roberts

Source: articleage.com



Instant approval credit cards are convenient ways in which to get you some instant credit. Apply for an instant approval credit card online and you can find out, within a few minutes if you are eligible for one or not. So an instant approval credit card is fast, its simple, and really a boon if you want some instant credit extensions. The key for getting an approval lies, searscard.com, in making your application correctly and wisely. Here are tips that will help you get an instant approval credit card online.



Find the Right Instant Approval Credit Card



You will be spoilt for choice when you go shopping for, searscard, searscard.com, .com, an instant approval credit card online. It is easy to advice you to research each one of them thoroughly, but you need to know the precise factors to consider during your, searscard.com, research. In order to give you immediate credit, the credit card company will take its pound of flesh with the following - annual fees, interest rates, and, searscard.com, other miscellaneous fees. A simple Google search will show you a quick comparison of the best rates, searscard.com, of interest, annual fees, etc in your local area. If you have good credit, negotiate, searscard.com, for a lesser interest rate or for zero annual fees. If you have a less than perfect credit history, find cards that offer a lower, searscard.com, interest, less annual fees, etc



Secured Instant Approval Credit Cards



However, in case your credit history is really bad, find, searscard.com, an instant approval credit card which offers a secured advance. You need to pay cash, searscard.com, upfront in order, searscard, searscard.com, .com, to get credit, searscard.com, . Ensure that the card reports, searscard.com, this to the credit bureaus so that it helps you build a better credit, searscard.com, history. Clear this point even before you apply for the card or you will have wasted your cash and your time.



Online, searscard.com, Formalities for Instant Approval Credit Cards



You will see the online form you are required to fill out is pretty much the same as a regular credit card application, searscard.com, form. Generally,, searscard.com, the higher your household income, the better your chances of getting an approval. Avoid lying, as this information is useful for avoiding bankruptcy. If you inflate your household expenses, then the credit company will offer a higher credit limit. Anyone will be tempted to use up that credit limit. And if your income does not allow you to pay back your debts, you will find yourself falling quickly into the debt quicksand.



Applications for a secured instant approval credit card does not requires such details - as long as you have the money and the facility to transfer the amount from your bank account, you will be able to get yourself an secured instant approval credit card. Just ensure the site is secure - you can see a small lock appearing on the bottom right side of your browser window. This prevents hackers, searscard.com, from accessing and misusing your credit card details.



Status of Instant Approval Credit Card Online



Generally, you will know the status of your application within a minute or two. If your application has been approved, then you can immediately start spending a limited amount. However, if the company needs to have a closer look at your accounts, they may defer their decision for a few days.



However, an instant approval credit card online is still the fastest way for getting a credit card or at least, some credit extension. Instant approval credit cards have their pros and cons and if you are aware the basic formalities of getting such a card, then there is no reason, searscard.com, why your application should be rejected. But remember, an instant approval credit card may give you increased credit and may gratify your needs immediately, but they are double edged swords - ensure that your credit history is not wounded in the process of acquiring too many credit cards.






Tuesday, November 24, 2009

College Student Credit Cards - How to Build Your Credit

Author: Kim Stevens

Source: articleage.com



Credit cards for college, searscard.com, students are easily available online. The downside is that card issuers realize that most students do not have a particular credit strategy, searscard.com, in mind, just a desire for easy access to credit.



Card issuers are, searscard.com, keenly aware of how to, searscard.com, market their products to college students and young people in general. Because of the lack of an established credit history or credit profile, credit cards for students are often more expensive to maintain than traditional credit cards. Subsequently, credit cards for college students, searscard.com, often have high interest rates, annual fees, as well as other fees attached. If you are a college student with good credit, you should not have any problem getting approval for an attractive card offer. Unfortunately, many students do not have good credit history, or any credit history at all for that matter.



Shopping for a College Student Credit Card



The first 3 steps when shopping for, searscard.com, a credit card for a college student are quite simple: research, research, searscard.com, and research. You can easily begin your search online where you can compare and contrast card offers from all of the leading card issuers. This will give you a huge advantage when shopping for the right card offer because you can get a very clear picture of what the cards offer in terms of features and benefits as well as what the card will cost you over time. Thoroughly researching each card offer will help you save time and, searscard.com, money, and ultimately, should help lead, searscard.com, you to the very best credit cards for, searscard.com, college students available anywhere.



College Student Credit Card Specifics



A typical college student credit card offer might include the following:

-0% APR up to six months on balance transfers and purchases

-Zero liability on unauthorized purchases (a "must have" in any credit card offer)

-No annual fee

-Online account management

-No co-signer, searscard, searscard.com, .com, requirement



Most of the best student credit card offers will provide you 6 months of 0% APR on purchases, which is an attractive feature for many cash-strapped students. Don't be misled by this, searscard.com, offer, however, because the ongoing APR on these student credit card offers jumps up significantly when the introductory offer expires. So buyer beware!



All credit card issuers will provide you with a zero liability on unauthorized purchases clause on their, searscard.com, respective card offers. Just be sure to, searscard.com, double-check that the card offers this feature as it is very important to have for security purposes. You should also try to avoid paying an annual fee for any credit card, if at all possible. Many of the best student credit card offers will not charge you an annual fee either. Some student credit cards will not require a co-signer from your parents for approval. But don't count on it, searscard.com, . The more attractive card offers will also feature an online account management tool that allows you to quickly and easily manage your account, view statements and pay bills online.



One very important thing to keep, searscard.com, in mind, however, is the regular ongoing APR for student credit cards tends to be very steep so it is highly recommended, searscard.com, that students (especially) avoid carrying a card balance for any extended length of time. It is best to never carry a card balance, ever. How do you avoid carrying a credit card balance?, searscard.com, You pay it off every month. That is quite simple the single most valuable, searscard.com, piece of advice on how to use credit cards of any kind, and if adhered to, will help you avoid racking up debt and potentially devastating finance charges that can be, searscard.com, ruinous in the long term.



Advice When Searching for Credit Cards



So be sure to thoroughly research as many student credit cards as possible, and do not stop your search after investigating only a few card offers. Be vigilant and persistent in your research of credit cards for college students or any credit card offer for that matter. And remember, avoid carrying those card balances!