Aug
30
Consumer Credit Counseling Services - Many are Scammed, Beware!
Filed Under Debt Consolidation | Leave a Comment
Cornie Herring asked:
Credit counseling agencies are nonprofit organizations that intend to help debtors to resolve their debt issues by providing counseling and education on consumer credit, money, debt management, and budgeting. And, most of time, debtors are advised to enroll into a debt management plan so that they can follow the plan to work out of debt. Debt management plan proposed by reputable and legitimate credit counseling agencies do serve the purpose.
But, beware that many very attractive debt management plans offered by companies who called themselves credit counseling organizations are actually scams who are trying to cheat your money and worsen your debt situation. So, how could you avoid yourself from falling into these traps? Let go through 2 scenarios that you will potentially faced when approaching a credit counseling service which may run by scams.
Scenario 1: Propose A Debt Solution Without Analysis Your Financial Situation
When you consult a credit counseling agency, the counselor suppose to analyze your financial situation by understanding all your debts, expenses and financial affordability before he work out plan that best fit your financial situation. If you found that your counselor is not paying attention when you explain your financial difficulties and he did not ask you the questions to get further understanding on your debt problem. What he is trying to do is propose their best debt management plan to you with a number of guarantees that your debt issue will surely be resolved if you enroll into the plan.
Don’t ever trust him else you will regret once you sign up and hand over your money. And, after that found out the propose debt management plan does not fit your financial situation. Avoid yourself from credit counseling agencies that propose to your one debt management plan that fit all financial situations. They just want to earn your money without really help in your debt problem.
Approach other credit counseling agencies and get one that really care about your debt problem, educate you on the cause of your debt issue, tell you what are your options based on your current financial status and guide you on the best debt solution with or without a debt management plan.
Scenario 2: Charge You An Upfront Cost Or The Fee Is High
The rule of thumb, credit counseling services are free of charge but most debt management plan (DMP) offered by credit counseling services have certain fee. The fee of DMP should be deducted directly from your monthly payment and it should not be too high; the reasonable fee should be plus minus $50. If you are asked to pay an upfront cost during sign up with the debt management plan, then it better to reject the plan and approach other credit counseling agency.
Beside that, before you sign on the agreement for the propose debt management plan, remember to check in details for any other hidden costs. There are unethical companies hide other costs to make the plan very attractive. These hidden costs will be written in the agreement. Unfortunately, most people won’t read the agreement in details when they sign on the dotted line. If you are unclear or need more time to read through the terms and conditions stated in debt management agreement, request to bring the agreement back to home for reading and sign back to the company if the terms meet your requirements.
Summary
Reputable and Legitimate credit counseling agencies are organization that help debtors to reduce and resolve their debt problem through counseling & education. They may recommend you to enroll into a debt management plan if your case really needs one. Whereas, credit counseling agencies run by scams care more on their profits than your debt problem. You should smart enough to differential them and avoid yourself from these scams.
Caffeinated Content for WordPress
Credit counseling agencies are nonprofit organizations that intend to help debtors to resolve their debt issues by providing counseling and education on consumer credit, money, debt management, and budgeting. And, most of time, debtors are advised to enroll into a debt management plan so that they can follow the plan to work out of debt. Debt management plan proposed by reputable and legitimate credit counseling agencies do serve the purpose.
But, beware that many very attractive debt management plans offered by companies who called themselves credit counseling organizations are actually scams who are trying to cheat your money and worsen your debt situation. So, how could you avoid yourself from falling into these traps? Let go through 2 scenarios that you will potentially faced when approaching a credit counseling service which may run by scams.
Scenario 1: Propose A Debt Solution Without Analysis Your Financial Situation
When you consult a credit counseling agency, the counselor suppose to analyze your financial situation by understanding all your debts, expenses and financial affordability before he work out plan that best fit your financial situation. If you found that your counselor is not paying attention when you explain your financial difficulties and he did not ask you the questions to get further understanding on your debt problem. What he is trying to do is propose their best debt management plan to you with a number of guarantees that your debt issue will surely be resolved if you enroll into the plan.
Don’t ever trust him else you will regret once you sign up and hand over your money. And, after that found out the propose debt management plan does not fit your financial situation. Avoid yourself from credit counseling agencies that propose to your one debt management plan that fit all financial situations. They just want to earn your money without really help in your debt problem.
Approach other credit counseling agencies and get one that really care about your debt problem, educate you on the cause of your debt issue, tell you what are your options based on your current financial status and guide you on the best debt solution with or without a debt management plan.
Scenario 2: Charge You An Upfront Cost Or The Fee Is High
The rule of thumb, credit counseling services are free of charge but most debt management plan (DMP) offered by credit counseling services have certain fee. The fee of DMP should be deducted directly from your monthly payment and it should not be too high; the reasonable fee should be plus minus $50. If you are asked to pay an upfront cost during sign up with the debt management plan, then it better to reject the plan and approach other credit counseling agency.
Beside that, before you sign on the agreement for the propose debt management plan, remember to check in details for any other hidden costs. There are unethical companies hide other costs to make the plan very attractive. These hidden costs will be written in the agreement. Unfortunately, most people won’t read the agreement in details when they sign on the dotted line. If you are unclear or need more time to read through the terms and conditions stated in debt management agreement, request to bring the agreement back to home for reading and sign back to the company if the terms meet your requirements.
Summary
Reputable and Legitimate credit counseling agencies are organization that help debtors to reduce and resolve their debt problem through counseling & education. They may recommend you to enroll into a debt management plan if your case really needs one. Whereas, credit counseling agencies run by scams care more on their profits than your debt problem. You should smart enough to differential them and avoid yourself from these scams.
Caffeinated Content for WordPress
Aug
28
Panorama Write Off Debt | Loophole Clears Couple’s Debts | Write Off Illegal Unfair Loans | Consumer Credit Act 1974
Filed Under Credit | Leave a Comment
Kerry Jonas asked:
The Rankines had 13 credit cards
As more people find themselves in debt, one couple found loopholes in their credit agreements to avoid paying tens of thousands of pounds. But a High Court judge had the final word.
Amanda and Basil Rankine ran up debts of £120,000 after their mortgage advice business collapsed and they found themselves unable to afford their monthly payments.
Their debts were spread over 13 credit cards, four loans, car finance and an overdraft. They decided to study the Consumer Credit Act and contacted lenders claiming they had found mistakes in their credit agreements.
The Act lays down the rules which companies have to follow when they advertise or sell credit.
“I studied the Act and decided that there were things that didn’t match so I put together a bit of a letter to HSBC, thought I had everything correct, and sent it off,” Mr Rankine told the BBC’s Panorama programme.
“They wrote back, and after a few months said we’re prepared to write balance off.”
The Rankines, from Rugeley in Staffordshire, looked at all their credit agreements and identified potential loopholes.
These included whether the correct annual percentage rate (APR) was used, whether the forms had actually been signed and if the lenders had kept a copy of the paperwork.
In this way, they managed to have a number of their 13 credit cards and loans written off, to the tune of £37,000, including the sum from HSBC.
Sir Roy Goode, an eminent commercial lawyer who was instrumental in drafting the Act, said the rules relating to credit agreements were “extremely complex”.
“So any slip that is made entitles the consumer to refuse to pay unless the court gives leave to enforce the agreement,” explained Sir Roy.
Mr Rankine said: “Now more people challenge agreements, and more people will realise… the law is there so they have a choice. Challenge or repay at their level, or challenge and repay at your level.
The couple decided to take their remaining creditors to court over loopholes they believed they had spotted, and in an attempt to set a legal precedent that may benefit others. But the case was dismissed by a High Court judge, who said the couple were wriggling out of debt.
Despite the judgement, a legal technicality - which meant the lenders could only claim the money back while the court proceedings were going on - meant the couple still managed to get most of their debts frozen.
That took their total debt clearance to £100,000, leaving more than £20,000 outstanding. However, a legal bill of £100,000 left the Rankines back where they started.
They don’t accept they lost the case and they say they would prefer to be paying a legal bill than paying a debt they thought was unlawful.
The Rankines did their own work in scrutinising their credit agreements, but a whole industry is emerging online of companies claiming to get debts written off, and securing compensation, by rendering credit agreements unenforceable.
Have you suffered from an Unfair Credit Card or Loan Agreement?
The Author is a huge fan of Write off Unfair Credit Card and Loan Debts
Fighting unfair and illegal consumer credit agreements Blog.
RIGOBERTO
The Rankines had 13 credit cards
As more people find themselves in debt, one couple found loopholes in their credit agreements to avoid paying tens of thousands of pounds. But a High Court judge had the final word.
Amanda and Basil Rankine ran up debts of £120,000 after their mortgage advice business collapsed and they found themselves unable to afford their monthly payments.
Their debts were spread over 13 credit cards, four loans, car finance and an overdraft. They decided to study the Consumer Credit Act and contacted lenders claiming they had found mistakes in their credit agreements.
The Act lays down the rules which companies have to follow when they advertise or sell credit.
“I studied the Act and decided that there were things that didn’t match so I put together a bit of a letter to HSBC, thought I had everything correct, and sent it off,” Mr Rankine told the BBC’s Panorama programme.
“They wrote back, and after a few months said we’re prepared to write balance off.”
The Rankines, from Rugeley in Staffordshire, looked at all their credit agreements and identified potential loopholes.
These included whether the correct annual percentage rate (APR) was used, whether the forms had actually been signed and if the lenders had kept a copy of the paperwork.
In this way, they managed to have a number of their 13 credit cards and loans written off, to the tune of £37,000, including the sum from HSBC.
Sir Roy Goode, an eminent commercial lawyer who was instrumental in drafting the Act, said the rules relating to credit agreements were “extremely complex”.
“So any slip that is made entitles the consumer to refuse to pay unless the court gives leave to enforce the agreement,” explained Sir Roy.
Mr Rankine said: “Now more people challenge agreements, and more people will realise… the law is there so they have a choice. Challenge or repay at their level, or challenge and repay at your level.
The couple decided to take their remaining creditors to court over loopholes they believed they had spotted, and in an attempt to set a legal precedent that may benefit others. But the case was dismissed by a High Court judge, who said the couple were wriggling out of debt.
Despite the judgement, a legal technicality - which meant the lenders could only claim the money back while the court proceedings were going on - meant the couple still managed to get most of their debts frozen.
That took their total debt clearance to £100,000, leaving more than £20,000 outstanding. However, a legal bill of £100,000 left the Rankines back where they started.
They don’t accept they lost the case and they say they would prefer to be paying a legal bill than paying a debt they thought was unlawful.
The Rankines did their own work in scrutinising their credit agreements, but a whole industry is emerging online of companies claiming to get debts written off, and securing compensation, by rendering credit agreements unenforceable.
Have you suffered from an Unfair Credit Card or Loan Agreement?
The Author is a huge fan of Write off Unfair Credit Card and Loan Debts
Fighting unfair and illegal consumer credit agreements Blog.
RIGOBERTO
Aug
24
College Credit Builder asked:
The Chicago Cubs® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.cubscreditcard.com). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Cubs fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.cubscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/chicago-cubs-credit-card-major-league-baseball-extra-bases-mastercard-626503.html
GILBERT
The Chicago Cubs® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.cubscreditcard.com). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Cubs fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.cubscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/chicago-cubs-credit-card-major-league-baseball-extra-bases-mastercard-626503.html
GILBERT
Aug
24
Online Application | Toronto Blue Jays® Extra Bases® Credit Card
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
The Toronto Blue Jays® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.bluejayscreditcard.com ). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Blue Jays fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.bluejayscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/toronto-blue-jays-credit-card-major-league-baseball-extra-bases-mastercard-626563.html
COLLIN
The Toronto Blue Jays® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.bluejayscreditcard.com ). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Blue Jays fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.bluejayscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/toronto-blue-jays-credit-card-major-league-baseball-extra-bases-mastercard-626563.html
COLLIN
Aug
23
Kansas City Royals Credit Card | Major League Baseball™ Extra Bases™ Mastercard
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
The Kansas City Royals official team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.royalscreditcard.com). This rewards credit card has proven to be a grand slam with fans and is scoring rave reviews in the rewards credit card industry. Like many retailers, airlines, and universities have done for years, Major League Baseball teams like the Kansas City Royals are now being displayed on consumer credit cards. These baseball oriented credit cards are rapidly growing in popularity and are proving to be a hit with sports fans across the country.
The Major League Baseball™ Extra Bases™ Credit Card from Bank of America has valuable features, including:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
At a time when everyone’s nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly in tough economic times. With the MLB™ Extra Bases™ credit card, Royals fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.royalscreditcard.com to complete the credit card application online in a few short minutes.
TED
The Kansas City Royals official team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.royalscreditcard.com). This rewards credit card has proven to be a grand slam with fans and is scoring rave reviews in the rewards credit card industry. Like many retailers, airlines, and universities have done for years, Major League Baseball teams like the Kansas City Royals are now being displayed on consumer credit cards. These baseball oriented credit cards are rapidly growing in popularity and are proving to be a hit with sports fans across the country.
The Major League Baseball™ Extra Bases™ Credit Card from Bank of America has valuable features, including:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
At a time when everyone’s nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly in tough economic times. With the MLB™ Extra Bases™ credit card, Royals fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.royalscreditcard.com to complete the credit card application online in a few short minutes.
TED
Aug
23
Who Needs Consumer Credit Counseling?
Filed Under Non Fiction | Leave a Comment
Brooke Hayles asked:
Professional consumer credit counseling services are available to help people who need to reduce their debt and recover their credit. When choosing a counselor you should try to find one who has accreditation through the Council on Accreditation or the International Standards Organization, does not work for profits and has experience exceeding ten years.
What Do Consumer Credit Counseling Agencies Do?
Your counselor should strive to not only help with your current debts but also put plans and goals in place for you. A good consumer credit counselor will be able to push for a lower percent interest on your credit or have your late fees deleted.
Another option they may arrange is for your loan to be stretched over a longer period so your payments become lower. Usually you will arrange to pay the counseling agency and they will then disburse your funds accordingly.
A Pathway To Financial Freedom
Having a firm plan for saving and future goals is very important. Whether you are an individual or have a family, they will plan a suitable budget for you to stick to so you can achieve financial freedom. Your agent will discuss ways you can avoid ever getting into debt again.
When people in the community are having financial difficulty, everyone can suffer. If your community is made up of people who are financially independent and comfortable, business and families will flourish. Sometime all people need is a helping hand and the results can effect many people around them. Donating to charities such as the American Red Cross supports free consumer credit counseling services nationwide.
Only Use Reputable Agents
There have been some horror stories to do with consumer credit counseling. You need to be wise when sifting through the thousands that are out there to be sure you don’t end up trusting a con artist.
Counselors who are part of the National Foundation for Credit Counseling and the Association of Independent Consumer Credit Counseling Agencies are certified and can be trusted to help. Some suggestion for respected agencies to try are nfcc.org, aiccca.org and incharge.org.
You can have your counseling over the internet. You need to fill out some information about your debts and credit and they work via email to create a plan for you. Some companies also offer online credit counseling courses for their clients who want to learn for their own personal reasons.
Avoid Future Debts
Having a firm plan for saving and future goals is very important. Whether you are an individual or have a family, they will plan a suitable budget for you to stick to so you can achieve financial freedom. Your counseling agent will discuss ways you can avoid ever getting into debt again.
Summary:
If you need help fixing your money problems, consumer credit counseling is for you. They will help you work out how to pay your debts and also build a secure financial future.
WYATT
Professional consumer credit counseling services are available to help people who need to reduce their debt and recover their credit. When choosing a counselor you should try to find one who has accreditation through the Council on Accreditation or the International Standards Organization, does not work for profits and has experience exceeding ten years.
What Do Consumer Credit Counseling Agencies Do?
Your counselor should strive to not only help with your current debts but also put plans and goals in place for you. A good consumer credit counselor will be able to push for a lower percent interest on your credit or have your late fees deleted.
Another option they may arrange is for your loan to be stretched over a longer period so your payments become lower. Usually you will arrange to pay the counseling agency and they will then disburse your funds accordingly.
A Pathway To Financial Freedom
Having a firm plan for saving and future goals is very important. Whether you are an individual or have a family, they will plan a suitable budget for you to stick to so you can achieve financial freedom. Your agent will discuss ways you can avoid ever getting into debt again.
When people in the community are having financial difficulty, everyone can suffer. If your community is made up of people who are financially independent and comfortable, business and families will flourish. Sometime all people need is a helping hand and the results can effect many people around them. Donating to charities such as the American Red Cross supports free consumer credit counseling services nationwide.
Only Use Reputable Agents
There have been some horror stories to do with consumer credit counseling. You need to be wise when sifting through the thousands that are out there to be sure you don’t end up trusting a con artist.
Counselors who are part of the National Foundation for Credit Counseling and the Association of Independent Consumer Credit Counseling Agencies are certified and can be trusted to help. Some suggestion for respected agencies to try are nfcc.org, aiccca.org and incharge.org.
You can have your counseling over the internet. You need to fill out some information about your debts and credit and they work via email to create a plan for you. Some companies also offer online credit counseling courses for their clients who want to learn for their own personal reasons.
Avoid Future Debts
Having a firm plan for saving and future goals is very important. Whether you are an individual or have a family, they will plan a suitable budget for you to stick to so you can achieve financial freedom. Your counseling agent will discuss ways you can avoid ever getting into debt again.
Summary:
If you need help fixing your money problems, consumer credit counseling is for you. They will help you work out how to pay your debts and also build a secure financial future.
WYATT
Aug
21
Online Application | Tampa Bay Devil Rays® Extra Bases® Credit
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
The Tampa Bay Devil Rays® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.devilrayscreditcard.com). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Devil Rays fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.rayscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/tampa-bay-devil-rays-credit-card-major-league-baseball-extra-bases-626559.html
ANGELO
The Tampa Bay Devil Rays® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.devilrayscreditcard.com). This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty – are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:
• No annual fee.
• 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
• Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.
• Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times. With the MLB™ Extra Bases™ credit card, Devil Rays fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.rayscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/tampa-bay-devil-rays-credit-card-major-league-baseball-extra-bases-626559.html
ANGELO
Aug
19
Consumer Credit Counseling Services are Here to Help
Filed Under Debt Consolidation | Leave a Comment
Andrew Bicknell asked:
Many people who are suffering the financial strain of having too much debt turn to consumer credit counseling services to get their finances back on track. They have the experience and resources to teach you how to successfully put together a monthly budget that will help you better manage your money.
This is the financial downfall of many people, not managing their money properly. Once you are able to create a personal budget showing your income and expenses it becomes easier to control where your money is going. Too many people have lost control of their money and spend most of the time between pay checks wondering where it all went.
This is where credit counseling services can be of help. They have helped hundreds if not thousands of people in the same circumstances come to grips with their financial problems. They understand the straights you are in and will work to help you come to terms with building a workable and sustainable budget. In addition to reviewing all your financial data and making recommendations as to how best approach your current debt situation they should also begin to work with you on your long term financial goals.
A good consumer credit counseling service will also teach you how to and help you make arrangements with your creditors that will allow you to meet your budget every month. This will help to stop the threatening phone calls and letters and give you an opportunity to make good on your debt that works for you. Many debt collection agencies are quite happy to leave you alone as long as you do send them something every month. This can also help you avoid legal action that some creditors can take when trying to recoup what you owe.
All these services will charge some sort of fee if you decide to seek their help. Be sure to check around and compare the cost of doing business and avoid those companies that charge higher prices. In fact there is a good chance that there is a non-profit credit counseling service in your area. They normally cost less then for-profit companies and the advice you get will generally be some of the best. If you are not sure if the company you are dealing with is a non-profit contact your local IRS office where they keep records on all business and there status as non-profit or for-profit.
A consumer credit counseling service will give you the best results for your money if you are honest with yourself and them about your financial problems. You will need to reveal all your income, expenditures, and debts you owe and those you are having trouble paying or are behind on. They will give you the best advice and help you meet your financial goals if they can see the whole picture.
RAMON
Many people who are suffering the financial strain of having too much debt turn to consumer credit counseling services to get their finances back on track. They have the experience and resources to teach you how to successfully put together a monthly budget that will help you better manage your money.
This is the financial downfall of many people, not managing their money properly. Once you are able to create a personal budget showing your income and expenses it becomes easier to control where your money is going. Too many people have lost control of their money and spend most of the time between pay checks wondering where it all went.
This is where credit counseling services can be of help. They have helped hundreds if not thousands of people in the same circumstances come to grips with their financial problems. They understand the straights you are in and will work to help you come to terms with building a workable and sustainable budget. In addition to reviewing all your financial data and making recommendations as to how best approach your current debt situation they should also begin to work with you on your long term financial goals.
A good consumer credit counseling service will also teach you how to and help you make arrangements with your creditors that will allow you to meet your budget every month. This will help to stop the threatening phone calls and letters and give you an opportunity to make good on your debt that works for you. Many debt collection agencies are quite happy to leave you alone as long as you do send them something every month. This can also help you avoid legal action that some creditors can take when trying to recoup what you owe.
All these services will charge some sort of fee if you decide to seek their help. Be sure to check around and compare the cost of doing business and avoid those companies that charge higher prices. In fact there is a good chance that there is a non-profit credit counseling service in your area. They normally cost less then for-profit companies and the advice you get will generally be some of the best. If you are not sure if the company you are dealing with is a non-profit contact your local IRS office where they keep records on all business and there status as non-profit or for-profit.
A consumer credit counseling service will give you the best results for your money if you are honest with yourself and them about your financial problems. You will need to reveal all your income, expenditures, and debts you owe and those you are having trouble paying or are behind on. They will give you the best advice and help you meet your financial goals if they can see the whole picture.
RAMON
Aug
19
Why Are More People Seeking Help From Consumer Credit Counselors?
Filed Under Finance | Leave a Comment
Leroy K. Calstard asked:
The emergence on consumer credit counseling over the past few decades is mainly due to the increasing number of Americans who continue to charge their way into unmanageable debt. This is not to say that there aren’t some families and individuals who have ended up in debt due to no fault of their own - whether it is due to high medical bills, illness, death or a change in family status. But most end up in debt because of charging too much on credit cards and store cards and buying things on credit that they wouldn’t otherwise be able to afford. At some point you just can’t keep up with even the minimum monthly payments, which in turn causes a huge amount of the debt to be just the interest owed.
For many individuals and families who find themselves in over their heads, bankruptcy can seem like the only answer. As a result of this consumer credit counseling organizations have emerged to try to deal with this growing problem by helping people manage their debts and make arrangements to get them out of debt. This is often the last step before bankruptcy.
In fact, recent bankruptcy laws have been introduced that require individuals to obtain consumer credit counseling before filing for bankruptcy in an effort to reduce the high cost of lawyers and court fees. Consumer Credit counseling is usually the best option because it allows to you manage and clear your debt without the negative impact of a bankruptcy on your credit report. Bankruptcies can stay on your credit file for up to 10 years and can seriously hinder your ability to obtain any type of credit or loan, and will bring down your credit score which can make it difficult for you to do anything from renting a house to getting a job that requires a security clearance. It can even affect your ability to open a bank account with an overdraft feature.
However, consumer credit counseling is not provided free of charge and not everyone can afford to obtain these services. Some are so deeply in debt that they can’t even afford help to get out of debt. But if you can go this route, you can get relief. Consumer credit counseling agencies can help you by getting your monthly payments reduced, getting interest rages reduced, getting over-limit charges and late charges waived and can help you consolidate all your payments into one payment to them. This will enable you to eliminate your debt entirely and clear your name, as well as rebuild your credit.
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The emergence on consumer credit counseling over the past few decades is mainly due to the increasing number of Americans who continue to charge their way into unmanageable debt. This is not to say that there aren’t some families and individuals who have ended up in debt due to no fault of their own - whether it is due to high medical bills, illness, death or a change in family status. But most end up in debt because of charging too much on credit cards and store cards and buying things on credit that they wouldn’t otherwise be able to afford. At some point you just can’t keep up with even the minimum monthly payments, which in turn causes a huge amount of the debt to be just the interest owed.
For many individuals and families who find themselves in over their heads, bankruptcy can seem like the only answer. As a result of this consumer credit counseling organizations have emerged to try to deal with this growing problem by helping people manage their debts and make arrangements to get them out of debt. This is often the last step before bankruptcy.
In fact, recent bankruptcy laws have been introduced that require individuals to obtain consumer credit counseling before filing for bankruptcy in an effort to reduce the high cost of lawyers and court fees. Consumer Credit counseling is usually the best option because it allows to you manage and clear your debt without the negative impact of a bankruptcy on your credit report. Bankruptcies can stay on your credit file for up to 10 years and can seriously hinder your ability to obtain any type of credit or loan, and will bring down your credit score which can make it difficult for you to do anything from renting a house to getting a job that requires a security clearance. It can even affect your ability to open a bank account with an overdraft feature.
However, consumer credit counseling is not provided free of charge and not everyone can afford to obtain these services. Some are so deeply in debt that they can’t even afford help to get out of debt. But if you can go this route, you can get relief. Consumer credit counseling agencies can help you by getting your monthly payments reduced, getting interest rages reduced, getting over-limit charges and late charges waived and can help you consolidate all your payments into one payment to them. This will enable you to eliminate your debt entirely and clear your name, as well as rebuild your credit.
Caffeinated Content - Members-Only Content for WordPress
Aug
19
College Credit Builder asked:
The Houston Astros logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.astroscreditcard.com) This rewards credit card has proven to be a great hit with fans and is batting a thousand in the rewards credit card industry. Like many schools, airlines, and retail stores have done for decades, baseball teams like the Houston Astros are now being featured on consumer credit cards are rapidly growing in popularity and proving to be a hit with baseball fans across the country.
The Major League Baseball™ Extra Bases™ Credit Card from Bank of America has features like no annual fee and a 0% intro Annual Percentage Rate (APR) on balance transfers and cash advance checks during the first 12 monthly billing cycles. Additional incentives designed to gain customer share in the competitive rewards credit card market, include exciting offers like an official MLB™ licensed jersey for the team of your choice after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, card holders can quickly earns points (at a rate of 1 point for every net retail dollar spent) that can be redeemed for MLB™ autographed memorabilia, exclusive experiences with the Houston Astros, travel rewards and cash bonuses.
Major League Baseball has cornered the market — every official team logo can be represented on the face of a Major League Baseball™ Extra Bases™ Credit Card from Bank of America. Other websites offering the card include http://www.mlbcreditcardoffers.com and www.collegecreditbuilder.com/mlbcards.htm. Consumers adore their home teams and feel proud to be card carrying fans publicly supporting their team every day.
BRENT
The Houston Astros logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.astroscreditcard.com) This rewards credit card has proven to be a great hit with fans and is batting a thousand in the rewards credit card industry. Like many schools, airlines, and retail stores have done for decades, baseball teams like the Houston Astros are now being featured on consumer credit cards are rapidly growing in popularity and proving to be a hit with baseball fans across the country.
The Major League Baseball™ Extra Bases™ Credit Card from Bank of America has features like no annual fee and a 0% intro Annual Percentage Rate (APR) on balance transfers and cash advance checks during the first 12 monthly billing cycles. Additional incentives designed to gain customer share in the competitive rewards credit card market, include exciting offers like an official MLB™ licensed jersey for the team of your choice after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, card holders can quickly earns points (at a rate of 1 point for every net retail dollar spent) that can be redeemed for MLB™ autographed memorabilia, exclusive experiences with the Houston Astros, travel rewards and cash bonuses.
Major League Baseball has cornered the market — every official team logo can be represented on the face of a Major League Baseball™ Extra Bases™ Credit Card from Bank of America. Other websites offering the card include http://www.mlbcreditcardoffers.com and www.collegecreditbuilder.com/mlbcards.htm. Consumers adore their home teams and feel proud to be card carrying fans publicly supporting their team every day.
BRENT