An Airline Credit Card - How to Get the Most Miles From Your Card
By Joseph Archibald
Although with the recent turn of events with the economic downturn, travel is still very popular for getting away for a while, whether for a weekend break or for a longer term holiday. With an airline credit card, this facilitates travel that much more.
First off though, how to airline credit cards actually work? Well, they are very similar in nature to rewards cards - if you spend $600 a month on your card you are then rewarded with 600 air miles which can then be used with the airline you have your credit card with.
Do note that cards vary in what they offer - you may earn less than or more than 1 air mile with every dollar spent, so do read the fine print about this. Some may offer more points for shopping with certain merchants - what are called bonus miles.
Some airlines only allow you to use the points once you have accumulated a certain amount. Others will allow you to fly only at certain times of the year or on certain days.
Although the airline credit card offers a great way for you and your family to travel, you should try to ensure that the company you are flying with are financially stable. If you earn miles with a company that then goes bankrupt there is a chance you may not be able to redeem the miles. Furthermore, if you are abroad and the flight company goes bust you could be liable to pay the return fare, even though you have in fact used your air miles to pay the return. Fortunately, it seems though that these days are over, for now.
For further details of what credit cards are the best choice for you, please go to http://www.WhichCreditCard4Me.com for the Best Rated Credit Card!
===========================================
The Role Your Credit History Plays in Your FICO Score
By William Lathrop
In the terms of your FICO score your credit history refers to the how long you have had credit. The weight it carries in the FICO score calculation is 15%. The weight is carries is due the relation the longer a person has used credit the less risk they represent. There are two different factors considered in regards to your credit history.
The first is the average age of all your accounts. You can find this on your own and to do so all you will need is a copy of your credit report. In the section dedicated to your accounts in your credit report, you will find when each account was open. Just do the math to figure out how many years it has been and average all the accounts. The second is the age of your oldest account. If you don't know which account is your oldest, you will want to follow the process from above but instead look for the account that was opened first.
A common mistake many people will make is they do not know this information before they decide to close an account. If you close the account that is the oldest you will be hurting both factors. Another is to apply for credit if you don't need it. Today, consumers are faced with a new credit card offer almost every time they purchase at a major retail chain. Applying for all these accounts will also drag down your average age.
There is little you can do to improve this section of the FICO score formula besides avoid the common mistakes above. Also, if you do not carry a balance on your oldest account you might want to use it from time to time. Certain accounts sometimes close accounts due to inactivity. This method will protect this account from being closed and protect your credit history.
To read more about what does into the FICO score calculation visit William's website. There you will more about where you fall on the credit score scale
======================================
Is Your Credit Score Better Than the Average? Find Out For Free
By Ryan J. Taylor
Since the last time you checked your credit score, some things have probably changed. Every once in a while the credit scoring system is updated to improve the way your rating is calculated. When it does, some people benefit from a high score, while others may seem a big drop. That could be a problem, but it's nothing that can't be fixed by making some changes to please the new rating system.
Along with these changes, the average credit score in America has also changed. In the past, the average score was around 720 points, but there seems to be a downward trend. Now the average score is around 680, which is bad news for a lot of people.
Unfortunately, while people's scores are dropping, banks and lenders have raised their standards and are requiring a hire score in order to get approved for a loan. But that's not all... employers are also checking their employee's credit scores and it is also part of the standard background check during the hiring process.
Those with a lower score are also finding letters in the mail from their credit card companies saying their spending limits are being decreased. While they may have had a $10,000 limit in the past, some are seeing that fall as low as $500, which is causing some major problems.
But by knowing where you stand on the credit score scale, there are many things you can take advantage of. For one, you can receive tips on how you can personally raise your score by making some minor adjustments. Sometimes it's as easy as transferring some of your credit card balances to a card with a higher spending limit - which will reduce your overall debt ratio.
See how does your personal credit score stacks up to the average?
View your free credit score...
========================================
How to Get Credit Card Relief
By Darrell Wiggett
"Reduce your credit card debt and your high interest loans now! This is a one time offer and will expire at 12.01 am tonight so you need to apply now to take advantage of this once in a lifetime offer."
Wow what an offer, a lot of people who have credit problems in today's financial meltdown would probably find the idea very appealing and if they were really desperate might even reply to the offer even though it sounds like it's a bit too good to be true. Be careful now, there's a lot of scams out there and that one time fee of $200-$300 to register, once paid, might cause the credit company to stop answering your phone calls, ignore your e-mails and maybe eventually disappear into thin air leaving you with more late fees and penalties added to your debt.
Get some good advice before you fall into a trap like this. Go to the National Foundation of credit counseling for information and help on taking control of your debt. The National Foundation for Credit Counseling will even help you locate a certified, registered credit counselor to give you professional advice and guidance.
Be careful when dealing with "non-profit" credit companies, even though they claim "non-profit" they are still in it for the money and are using the claim to trick consumers and to gain their trust and eventually their hard earned money. Do your homework and research before using one of these credit services, you don't want to end up with one of these bad apples, instead of reducing your debt you'll only end up making it worse.
Take a look at all your options, check out all the services that are available to you, sit down with your counselor to discuss them all, you'll need at least half an hour together to get a good picture of your financial situation. Don't be shy or intimidated, ask as many questions as you feel needed and get the fees and payments down in writing so you are clear on how much it's going to cost you in the long run and if it's financially worthwhile. Once you find a service you feel good about and a credit company you want to use go to the Better Business Bureau and make sure there are no complaints against them. Go to the internet and put their name in a browser and find out if someone out there has used them and had a bad experience, the more time you spend on homework and research the more you'll benefit!!!
Do you need Credit Card Relief go to reduce credit card debt for information and advice on fixing your credit problems
By Joseph Archibald
Although with the recent turn of events with the economic downturn, travel is still very popular for getting away for a while, whether for a weekend break or for a longer term holiday. With an airline credit card, this facilitates travel that much more.
First off though, how to airline credit cards actually work? Well, they are very similar in nature to rewards cards - if you spend $600 a month on your card you are then rewarded with 600 air miles which can then be used with the airline you have your credit card with.
Do note that cards vary in what they offer - you may earn less than or more than 1 air mile with every dollar spent, so do read the fine print about this. Some may offer more points for shopping with certain merchants - what are called bonus miles.
Some airlines only allow you to use the points once you have accumulated a certain amount. Others will allow you to fly only at certain times of the year or on certain days.
Although the airline credit card offers a great way for you and your family to travel, you should try to ensure that the company you are flying with are financially stable. If you earn miles with a company that then goes bankrupt there is a chance you may not be able to redeem the miles. Furthermore, if you are abroad and the flight company goes bust you could be liable to pay the return fare, even though you have in fact used your air miles to pay the return. Fortunately, it seems though that these days are over, for now.
For further details of what credit cards are the best choice for you, please go to http://www.WhichCreditCard4Me.com for the Best Rated Credit Card!
===========================================
The Role Your Credit History Plays in Your FICO Score
By William Lathrop
In the terms of your FICO score your credit history refers to the how long you have had credit. The weight it carries in the FICO score calculation is 15%. The weight is carries is due the relation the longer a person has used credit the less risk they represent. There are two different factors considered in regards to your credit history.
The first is the average age of all your accounts. You can find this on your own and to do so all you will need is a copy of your credit report. In the section dedicated to your accounts in your credit report, you will find when each account was open. Just do the math to figure out how many years it has been and average all the accounts. The second is the age of your oldest account. If you don't know which account is your oldest, you will want to follow the process from above but instead look for the account that was opened first.
A common mistake many people will make is they do not know this information before they decide to close an account. If you close the account that is the oldest you will be hurting both factors. Another is to apply for credit if you don't need it. Today, consumers are faced with a new credit card offer almost every time they purchase at a major retail chain. Applying for all these accounts will also drag down your average age.
There is little you can do to improve this section of the FICO score formula besides avoid the common mistakes above. Also, if you do not carry a balance on your oldest account you might want to use it from time to time. Certain accounts sometimes close accounts due to inactivity. This method will protect this account from being closed and protect your credit history.
To read more about what does into the FICO score calculation visit William's website. There you will more about where you fall on the credit score scale
======================================
Is Your Credit Score Better Than the Average? Find Out For Free
By Ryan J. Taylor
Since the last time you checked your credit score, some things have probably changed. Every once in a while the credit scoring system is updated to improve the way your rating is calculated. When it does, some people benefit from a high score, while others may seem a big drop. That could be a problem, but it's nothing that can't be fixed by making some changes to please the new rating system.
Along with these changes, the average credit score in America has also changed. In the past, the average score was around 720 points, but there seems to be a downward trend. Now the average score is around 680, which is bad news for a lot of people.
Unfortunately, while people's scores are dropping, banks and lenders have raised their standards and are requiring a hire score in order to get approved for a loan. But that's not all... employers are also checking their employee's credit scores and it is also part of the standard background check during the hiring process.
Those with a lower score are also finding letters in the mail from their credit card companies saying their spending limits are being decreased. While they may have had a $10,000 limit in the past, some are seeing that fall as low as $500, which is causing some major problems.
But by knowing where you stand on the credit score scale, there are many things you can take advantage of. For one, you can receive tips on how you can personally raise your score by making some minor adjustments. Sometimes it's as easy as transferring some of your credit card balances to a card with a higher spending limit - which will reduce your overall debt ratio.
See how does your personal credit score stacks up to the average?
View your free credit score...
========================================
How to Get Credit Card Relief
By Darrell Wiggett
"Reduce your credit card debt and your high interest loans now! This is a one time offer and will expire at 12.01 am tonight so you need to apply now to take advantage of this once in a lifetime offer."
Wow what an offer, a lot of people who have credit problems in today's financial meltdown would probably find the idea very appealing and if they were really desperate might even reply to the offer even though it sounds like it's a bit too good to be true. Be careful now, there's a lot of scams out there and that one time fee of $200-$300 to register, once paid, might cause the credit company to stop answering your phone calls, ignore your e-mails and maybe eventually disappear into thin air leaving you with more late fees and penalties added to your debt.
Get some good advice before you fall into a trap like this. Go to the National Foundation of credit counseling for information and help on taking control of your debt. The National Foundation for Credit Counseling will even help you locate a certified, registered credit counselor to give you professional advice and guidance.
Be careful when dealing with "non-profit" credit companies, even though they claim "non-profit" they are still in it for the money and are using the claim to trick consumers and to gain their trust and eventually their hard earned money. Do your homework and research before using one of these credit services, you don't want to end up with one of these bad apples, instead of reducing your debt you'll only end up making it worse.
Take a look at all your options, check out all the services that are available to you, sit down with your counselor to discuss them all, you'll need at least half an hour together to get a good picture of your financial situation. Don't be shy or intimidated, ask as many questions as you feel needed and get the fees and payments down in writing so you are clear on how much it's going to cost you in the long run and if it's financially worthwhile. Once you find a service you feel good about and a credit company you want to use go to the Better Business Bureau and make sure there are no complaints against them. Go to the internet and put their name in a browser and find out if someone out there has used them and had a bad experience, the more time you spend on homework and research the more you'll benefit!!!
Do you need Credit Card Relief go to reduce credit card debt for information and advice on fixing your credit problems
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