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A May 2011 study conducted by Pew Charitable Trusts reviewed terms for the 12 largest banks issuing credit cards and the 12 largest credit union card issuers and found that credit unions offer more consumer-friendly terms. "A credit union isn't in business to make money, but they're not here to lose money either," says Mike Lanotti, general counsel for the new York credit Union League. "Maybe you had some bad financial luck in the past, and you're on your way up again.
The Harbs' story illustrates how easy it is to let debt involving multiple credit cards -- or unsecured high-interest loans -- snowball in a short amount of time. And they are not alone. Currently Americans have accrued more than
Consumers loaded $40.85 billion onto the cards in 2010 -- up 43 percent from the previous year, according to a 2011 study by the Mercator Advisory Group. 6 things to know about reloadable prepaid cards Not to be confused
As with any loan, applying for a credit card involves preparation, especially if your credit history is less than sparkling. But a few activities -- some of them not obvious -- can hurt your chances of getting approved for that new
The good news is that you can and will have excellent credit again. As I have discussed in a previous column, you don't want unnecessary credit inquiries showing up on your credit report after the bankruptcy. Secured credit card. The easiest way to start re-establishing credit is with a secured credit card with a local credit union or bank. A secured card means that you give the bank some money to hold and the bank gives you a credit limit equaling that amount.
When you give to your favorite charity, you might be able to get a tax deduction and lower your tax bill. Find out more about tax deductions at Bankrate.com.
credit cards > credit Card news > Convenience fees: When is it OK to charge extra to use a credit card? - Editorial No one could blame you for thinking big, but some of the biggest expenses you can put on a credit card -- including taxes and tuition -- probably won't be the financial slam-dunk you thought they were. Surcharges are also illegal in 10 states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, new York, Oklahoma and Texas.
Usually, you have to plan to be in the house for a while for refinancing to make sense, says Charles Delaney, associate professor of finance, and director of the real estate program at the Hankamer School of business at Baylor University in Waco, . On the pro side, you're reducing the interest rate on the credit card debt and freeing up lines of credit on your credit cards. However, the biggest risk in this scenario is in converting an unsecured debt into a secured debt.
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