Banks have always used risk-based pricing on loans and credit cards to ensure that customers who seem more likely to default on debt have to pay higher interest rates than consumers who have a good history of repaying loans. However, new legislation took effect in January 2011 that governs the way i

The Firestone Credit Card, also called the Firestone Complete Autocare Credit Card, is the plastic money to comfortably spend on servicing, repairs, tires and other automobile-related expenses. Provided by the Credit First National Association (CFNA), it also offers privileges, benefits and many oth

When you use credit cards, the lender expects payment for that debt. If you don't pay your credit card bills, the lender is given a certain amount of time to collect on that debt from you. This is known as the statute of limitations. If you have debt in Ohio, it's a good idea to understand how the s

Prepaid cards have risen in popularity these days. Why? Because a lot of people have realized just how financially risky 'typical' charge cards are. Furthermore, prepaid cards also serve as worthy alt

I find it very simple to tell you that you need to raise your score because of the benefits you will derive from doing so when you are seeking a loan. However, I would be doing half of the job by telling you only the benefits if I do not teach you how you can raise your score.

If you or a credit card company closed one of your old credit card accounts but you now want to reopen the account for the benefits it can have on your credit report and score, you can make a formal request to have the account re-opened. In most cases, an account can be re-opened in a matter of minu

For those that have a clean credit report, there are the best and lowest interest rates available any time one needs to borrow.

There is no escaping death and taxes, and this includes the responsibility of a deceased person's estate toward the payment of back taxes. Non-payment of back taxes can hold up the probate process or result in a lien being placed on all the estates assets. The executor of the estate is responsible t

Tips on how to save money on your credit cards

Credit card security is a large concern in the payment business. A study conducted by the Federal Reserve and Bank of America in 2010 found that payment fraud increased 11 percent from 2006 to 2010. In response to these problems Visa, MasterCard, American Express and Discover created the Payment C

A personal credit report is a document that every person over the age of eighteen with a social security number has. When people open accounts or get issued loans their social security numbers are placed on file so that the history follows them for many years to come. In order to survive long term f

When an individual is loaded with debts, one of the first things that can help him is accurate information. With specific information on how to tackle the scenario, a lot of individuals do well in finding a solution to the problem. Credit counseling agencies thus counsel individuals on how their deb

Like with anything else, day trading can be easy once you know how to do it. The first important step, however, is using the right tools to learn it and educate yourself with. The fact ...

It is just a piece of plastic the size of a visiting card, which has changed the way we handle our money and finances.

Credit card companies use nine-month interest-free credit cards to gain new business from potential clients. Generally, introductory rate cards are offered to individuals with decent credit scores reflecting a responsible lending history. Card offers vary and some interest-free promotional offers ma

When it comes to raising your credit score, you can do it for free. You don't have to pay anyone to tell you the secret or help you on your way. All you need is a few tips and a little time.

A lot of things can have a negative effect on a person's credit score. Among these include late credit card payments, unpaid medical bills or apartment rentals, a really large debt load, and bankruptcy. During the past five years, more and more people have filed for bankruptcy...

You may be wondering, what is debt settlement? Actually it is the only method which will make you pay a lesser amount than the money you owe to spend.

Credit card payment services are rendered by companies to merchants so that the merchant can accept credit and debit account payments from their customers. These companies that offer these services are not affiliated with the merchant or just one card issuing financial institution. They act as a lia

In the world of credit reports and credit scores, only about 1% of the total American population enjoys a perfect credit rating of 850 in FICO scale. Because of this rarity, you would think that these people have a golden secret that kept them in the VIP section of many creditors' office. It wo