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| Personal Credit Tips |
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Benefits such as frequent flyer miles, rebates, etc:
A number of issuers offer additional benefits to card members. Rebate
cards allow you to earn cash back and discounts on goods and services
based on card usage. Frequent flyer cards allow you to earn miles for each
dollar charged. With special interest cards (e.g. golf and ski) you receive
discounts and accumulate points towards purchases.
How are Finance Charges Calculated? Most card issuers use the Average
Daily Balance method for calculating interest. This means that if you don't
pay your bill in full, interest will be charged from the day a charge is
posted to your account. Some card issuers charge two months of interest
when you switch from paying in full each month to carrying a balance. This
is called Two Cycle Billing. The other two methods for computing charges
are Adjusted Balance and Previous Balance. If you feel ambitious the exact
formula for interest calculations can be found on your bill. |
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Credit Facts >
TOP 10
Personal Credit Services:
1. Mortgage
Refinance Loans While
the low mortgage rates have kept renters packing the rates
are expected to keep rising so now is the time to refinance
or buy your new home. We strongly advise you to get into adjustable
rate mortgage loan while rates are climbing.
2. Debt
Consolidation Loans for homeowners and management for
non-homeowners. Reduce your high interest bills and get a
grip on the payments to creditors. No credit check is required
for counseling services and there is no obligation.
3. Payday
Loans are instant loans for people who are in the need
for immediate cash without having to go into a local check
cashing franchise. We now offer loans of up to $1500 with
no fax required.
4. Credit
Cards with Bad Credit or no credit are available with
our best offers and online applications.
5. Home
Equity Loans from top lenders allowing you to compare
the type of loan and broker who can give you the lowest interest
and minimal fees.
6. Auto
Loans comparison to find the lowest rate whether your
vehicle is new or used. Also, prepare for summertime with
boat loans and recreational vehicle
loans.
7. Personal
Loan online applications from $400 to $500,000, and more
depending on your credit.
8. Bad
Credit Loans for those who seek alternatives to prime
lenders.
9. Credit
Repair tips and services including legal disputes. The
U.S. average credit score is 677. What is your Credit Score?
10. UK
Credit Cards & UK Loan Tips including Online Banking
services for residents of the United Kingdom are now offered
on Banklady. We also offer personal credit services for Canadian
Residents.
Latest
Rate Trends:
One thing to
expect this year is rate hikes by the Federal Reserve and
even credit card rates are starting to go up. Even some credit
cards are being switched from fixed
rates to variable.
A good reason
to refinance now and get your rates locked in due to the recent
bad news with mortgage rates climbing, which can be taken
as good news due to a sign of a recovering economy. Are you
worried about interest rate increases and your mortgage
rate?
Rising increasing
rates mean more money in your pocket when our ING
Direct (4.75%) and Everbank (5.01%)
Checking and MMA accounts compete. We have found Savings and
Money Market account rates up to 4.25%.
UPDATE: This week ING Direct announced a major increase in their introductory APY to 4.75% until April 15.
Bankruptcy Filings Soar Before New Law goes into effect
U.S. personal-bankruptcy filings for four straight weeks hit an all-time high as consumers in debt rushed to file before next Monday, when a new law makes it tougher to get federal debt relief. The law will force about 10 percent of debtors to seek Chapter 13 debt relief instead of Chapter 7 protection according to analysts. Read more about bankruptcy.
Debt
Consolidation & Planning
We have tons of information and resources on debt. The first part of the year is a time people find themselves trying to overcome debt frustrations left over from the previous year. An alternative
to conquer the burden of debt is our non-profit debt counseling
team, where you do not have to have home ownership to consolidate,
as you would with a loan. more
on debt consolidation >>
Student
Debt News
Interest rates on federally backed loans for college students
are set to jump by a record amount on July 1 according to
the Department of Education. The in-school rate on the federal
Stafford loan will rise by 1.93 percentage points to 4.7 percent.
The rate for loans in repayment will rise by the same percentage
to 5.3 percent, while the PLUS loan
rate for parents will rise to 6.1 percent.
Loans
to pay off Taxes
Yes it is the beginning of the year and it is once again time to pay off
your federal income taxes. We can help you with that personal loan
to pay off your income tax. Also, remember to save on next
years taxes by refinancing or buying a new home and writing
off the interest from your closing or settlement statement.
Prepaid interest, discount points, and origination fees, are
just some of the deductions.
more on tax time tips>>
Spring 2006
Home Improvement Loans
Ready for a swimming
pool, hot tub deck install or kitchen makeover? The BankLady
has home equity loans suited to meet your home improvement
needs. What are the ways to obtain financing for home improvement?
Royal Bank suggests using your credit card, personal loans,
home equity refinancing, and more. Apply
for your home equity line of credit today >>
Online
Banking Grows at Bullish rate
Almost half of
all U.S. adult Internet users now manage their bank accounts
online, making banking the fastest-growing online activity,
according to a recent survey released from the Pew Internet
and American Life Project. The survey says that Forty-four
percent of U.S. Internet users bank
online, up from 30 percent two years ago. Internet Banking Deals: Citibank is offering a free Ipod when you open up a checking account and make payments online.
Privacy
Policy & Contact Information
If you found this site
useful please link to us so others can benefit. |
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| Bad Credit Loans & Credit
Cards |
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- Information
on obtaining unsecured credit
cards for people with good
or bad credit
- competitive
loan information regarding payday loans, auto loans, mortgage
loans, student loans and signature loans
- obtain
a copy of your online free
credit report
- information
on turning your bad credit into good credit
- bad
credit personal loans to help you build your financial
future
- check
out the latest mortgage rates and refinance
your home
- develop
your financial freedom while learning to manage money and
maintain a spot-free credit report.
- home
equity loan refinancing rates are at an all year low,
learn more about home loans
- The
Banklady Credit Library: Join us in our new credit
column featuring the topics of bad
credit, gas
tips, reverse
mortgages, and ways
to get out of debt.
- Mortgage Rates Go Down but could dramatically increase in 2006. Rates on 30-year mortgages
decreased this week. Mortgage Rates are still below last year's annual average and
well below where it was at this time last year. Freddie
Mac's weekly survey showed rates on 30-year, fixed-rate
mortgages fell to 5.70 percent, down from last week.
Five-year hybrid adjustable rate mortgages fell slightly
and 15-year fixed-rate mortgages (popular for refinancing)
fell to 5.29 percent. Refinancing
is very popular because Mortgage rates still continue to
be at all time lows. Furthermore, the average 30-year fixed-rate
mortgage rate for this month was lower than the annual averages
since the Freddie Mac survey began in 1971. A year ago the mortgage index was 5.7 percent. The Rate increases have made mortgage applications go up 6.1 percent last week, according to the Mortgage Bankers Association. Bookmark this site for more mortgage updates.
- Mortgage
Trends:
Hybrid adjustable rate mortgages (ARM)
are steadily gaining popularity because consumers realize
that mortgage interest rates will probably rise in future
months. Two-fifths of all ARMs, according to Freddie Mac
are the 5/1 hybrid ARMs with a fixed rate for five years
before the one-year adjustable rate kicks in. Also, refinance
mortgage applications are on the increase while rates
have declined over the past few weeks. Now really is the time to refinance since it is forecasted for mortgage rates to rise in 2006 even when it looks to be another bad hurricane season and record setting high gas prices for the Summer of 2006.
- Compare
online mortgage companies
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Need
extra cash until next payday?
It is easy to
be strapped on cash with the holiday season upon us. If you have
bad credit and need a high risk short term loan the Banklady is
here to help with our Bad Credit Lenders! We offer credit tips on
cleaning up your poor credit and loans to help you just make it
to the next payday; apply for a quick payday
loan. If you need up to $1500
overnight in your bank account or if you own a home
and want to get some cash out of your home we can help with our
top rated lenders providing you financial assistance for those struggling
with bad credit.
Debt
Consolidation Loans: Pay off Bills and Credit
Card Debt
Are
you drowning in debt? Our programs allow consumers to apply
for Debt Assistance from unsecured lines of credit such as credit
cards, utility bills, hospital, medical bills, and more. A Debt
consolidation loan can help you Lower monthly payments
up to 50% or more, Consolidate bills into one monthly payment, and
Pay off credit card debt in half the time in some cases. Debt
Management, non-profit Credit Counseling Services,
Debt Settlement, and Credit Card Consolidation are just a few
of the services offered. Learn how you can reduce your financial
stress with a free debt analysis
of how debt reduction management can help you. Free Debt Consolidation
services help you to become free of high interest debt, freedom
of having less harassing phone calls from creditors, and saving
your credit rating.
Take
out a loan on the equity of your home or refinance
We offer High
Risk Home loans where you can apply for a bad credit
loan and get four lenders or more competing for your business whether
you are a first time homeowner
needing a pre-qualification or just looking to refinance your current
home. Apply for a fixed or adjustable
125 Home Equity Loan, Home Equity Line of credit, Home Improvement
Loan, Cash Out Refinance, or low interest Mortgage
Refinance today while the interest rates are still
low. You may even read about ways to defend yourself against rising
rates. Home Equity Loans can help you get some extra cash for a
computer, RV, family vacation, or improvements on your home at a
low interest rate. Our home loans are flexible meaning you can decide
on a 10yr, 15 yr, 30yr loan term for a new home, lake or vacation
home, condo, townhouse, mobile home, or that dream home you have
always wanted.
Rebuild
your credit with an unsecured and secured credit card
Credit
cards are abused so much that banks now let you pre-pay
your amount with a secured credit card.
It is also called a prepaid card which works just like a debit card
(ATM) from your bank with a "stored" amount of money.
This lets you build or establish your credit then you can proceed
to a guaranteed Unsecured
Visa or MasterCard. We offer Centennial Card from
First Premier Bank and the unsecured Orchard Bank Card from our bad credit card issuers. We also feature
many new unsecured and catalog cards to help you fix or repair your bad credit
with instant online approval and no security deposit.
Need
to Repair Your Credit? We offer many ways to help you repair
your credit. There are many options including obtaining a credit
card, applying for a small loan, and debt consolidation. Furthermore,
you may choose to use a credit repair agency to help get the marks
off your credit as an alternative. This may result in legal actions
or simple letters. A credit repair service may help clear up your
credit report making your credit score higher.
Good
Credit? We offer Low
Interest Credit Cards with low APR with No Annual Fee and 0%
balance transfer promotions. If you are looking for ways to save
on high gas prices and learn ways to rack up travel miles check
out our Frequent Flyer Miles Cards and Cashback
Credit Cards from Chase featuring the Chase
Perfect Card where you have freedom to choose gas stations,
Discover Card, and
new cards from Bank One (First USA). Compare the best rebate cards
to those from Bank of America, Capital One No Hassle Rewards, Wells
Fargo, Fleet, and more. Cash back credit cards are easy ways to
make money while spending money. Once you find your hottest deal
on a credit card offer then check out our comparison
of lenders for home refinancing and learn how to save on getting
the lowest interest rates possible.
NEW
Credit Cards - The hottest card to hit the credit card
scene for Fall retail spending is the Chase
Cash Plus Visa. Also, the Jet
Blue Card From American Express is now Available if you have
good credit and want to get a hold of a hot airlines flyer miles
card! HSBC just came out with a new credit card with no balance transfer fees and 0% APR for 12 months. You also get a pick from travel or cash back rewards with this new HSBC Platinum MasterCard.
How
can I save money on high fuel prices? This is simple all
you have to do is open up a gas rebate credit card to pay cheaper
gas prices. Our top four are as follows 1.Chase
Perfect Gas Card, 2. HESS Gas Card,
3. Chase
Cash Plus, formerly Ultimate Cash, a new card from chase
that pays a FULL 5% back. Coming in last but not least is the all new Shell MasterCard from Citibank. We offer many gas credit cards but these are the best of breed.
Need
to Refinance your Car? Bad Credit Auto Loans and our new
guaranteed Auto loan search will help you get into a truck, motorcycle,
boat, or auto with bad credit or even bankruptcy on your credit
report. Submit an application for a auto
refinance today and reduce interest on your current auto or
personal loan. If you are buying a car you can search for a new
or used auto loan before you have waste time at the dealership and
be at their mercy (think about it).
Your
Source for Bad Credit Problems
Personal
Loans For People with Bad Credit. Granting personal loans
for people with bad credit strikes many as a risky practice on the
part of the lender. After all, a person with bad
credit most likely has a history of late payments. What most
people do not realize is that loans made to a person with bad credit
most often require collateral in the form of a home. If the borrower
defaults on the loan, the lender can sell the house to make up for
the loss. Most bad credit personal loans are actually far riskier
for the borrower. These loans usually come with extremely high interest
rates and high monthly payments. If a person’s bad credit is directly
related to his lack of income, making steep loan payments on time
can be tremendously difficult. With a house on the line, getting
too far behind on the loan can come at a very high cost.
Find Lenders
who Pre-Approve Personal Loans for People with Bad Credit. Not every
lender will simply give a loan to a person with bad credit. In fact,
most banks, credit unions, and mortgage services will not even consider
applications unless a person has above average credit. However,
there are some direct lending services that will approve people
with bad credit for high interest, personal loans.
"What do
people use these bad credit loans for?" Most bad credit loan
services are for people who want to purchase or refinance a house.
There are also bad credit lenders that offer new and used car loans,
as well. At the very least, a person with bad credit can receive
a personal paycheck advance loan. Leveraged correctly, these loan
funds can help a person to turn his or her financial status back
in a positive direction. It is extremely important that people who
are seeking out bad credit loans take the time to research their
options and find out exactly what they will need to do to maintain
on-time payments.
Do not forget
to Bookmark
this site for exciting new credit card offers and weekly added
features on loans, bankruptcy, and financing.
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Bad
Credit Resources & Sitemap
Own
a Business or work for a company that lets you track spending on a credit
card? Apply for Business Credit
Cards which let you rack up miles and rewards on purchases and keeps
expenses track able for budgeting and tax purposes. Obtain information
on prepaid credit cards and decide
their benefits for your family vs. not having the convenience of plastic.
While you are checking out loan offers from banks be sure and check
out our Internet
Banking where you can open up an online bank account with free checking
and discover benefits of money markets versus traditional bank checking.
Also, fill out our short application for a Home
Loan from one of our online mortgage brokers and lock-in great low
rates.
Learn
more about loans and how to obtain financial assistance for bad credit.
Also, check out our mortgage
loan resource center where we answer questions for you to decide
on the loan that is right for your family. You will find answers to
common questions:
What
is a Home Equity Line of Credit? Also referred
to as a HELOC is a loan where you use your house as a collateral in
securing cash to use for any purpose that you choose including paying
off high interest debt, improvement cash for the home, and money for
vacation or emergencies. The advantages of this loan are the interest
and costs are lower than that of a cash advance loan and will even improve
your credit once it is fully paid off. In most cases, home equity lines
of credit are also tax-deductible, since they are loans secured by your
home. Find out more about HELOC loans.
Did
you know that Credit bureaus can only report bad credit information
for up to seven years? Although, there are some
exceptions. Bankruptcy
information may be reported for 10 years, Information reported in
response to an application for a job with a salary of more than $75,000
has no time limit, Information reported because of an application for
more than $150,000 worth of credit or life insurance has no time limit,
and Information about a lawsuit or an unpaid judgment against your credit
can be reported for seven years or until the statute of limitations
runs out, whichever is longer. What does this mean? Means you may need
legal help to get yourself out of bad credit problems, or even want
to consider credit counseling
services to get your fico scores higher and be able to get a loan
at a lower fixed rate.
Smart
Credit News. Find out how you can save
money when you fill up your car in our new monthly Smart Credit
column.
Energy
and Mortgages collaborate. You can make energy efficiency
improvements to your home and add that into your mortgage thanks to
the FHA. An Energy Efficient Mortgage (EEM) is a single family loan
product that recognizes improving energy efficiency in a house can increase
its affordability by reducing the operating costs. The EEM is normally
used in conjunction with a purchase mortgage financing program but is
also available for new and existing single-family homes, condos, townhomes,
and manufactured housing.
Banklady.com
Credit Library: Bad
credit Basics, Reverse mortgage,
Money Saving Gas tips, How
to get out of debt?, How to Cut
your grocery bill?, Should I Cosign a
Loan? and information on bad credit cosigner loans, Avoid
defaulting student loan?, Mortgage
Brokers vs. Companies, First
time home loan process, Fix Credit,
Auto Loan Information, Gas
Station Savings, Balloon Mortgages,
No Income Verification Loan,
Keep good credit in the UK, Medical
Bills, Should I buy or rent a home?,
Loan Scams, How
can I obtain a free credit report without paying a monthly fee?
Latest
Credit & Loan Articles: Lemon
Laws, Bad Credit Signature
Loans, No Income Verification
Loan, Home Mortgage Quote,
125% Home Equity Loan, Is
Refinancing right for you?, Is there really such a thing as non-profit
debt consolidation?, Home Equity
Loan rate - how to find the lowest rate, Instant
Cash Loans, Interest only home
loans, Low income home loan,
Mobile home loans, and Christian
Debt Consolidation. Can I buy a home
with no money down?, Can I buy
a home with no collateral (signature loan)?, Bad
Credit Score, Pros and Cons of Personal
Loans, Self Help Debt Negotiation
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