Dec
31
crondawg asked:
i know it impacts how much consumers pay on credit card debt, home equity lines of credit and car loans but what else. Thanks
COURTNEY
i know it impacts how much consumers pay on credit card debt, home equity lines of credit and car loans but what else. Thanks
COURTNEY
Dec
25
Milwaukee Brewers Credit Card | Major League Baseball™ Extra Bases™ Mastercard
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
The Milwaukee Brewers official team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.brewerscreditcard.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 Milwaukee Brewers 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, Brewers fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.brewerscreditcard.com to complete the credit card application online in a few short minutes.
BILLIE
The Milwaukee Brewers official team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card from Bank of America. (www.brewerscreditcard.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 Milwaukee Brewers 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, Brewers fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.brewerscreditcard.com to complete the credit card application online in a few short minutes.
BILLIE
Dec
22
free financial counseling?
Filed Under Other - Business & Finance | 1 Comment
babysteppin2003 asked:
Help!!! I need free financial counseling- where would I go to find it??? Don’t tell me one of those consumer credit places, because they charge $$$$~ they are not free!!!
Help!!! I need free financial counseling- where would I go to find it??? Don’t tell me one of those consumer credit places, because they charge $$$$~ they are not free!!!
I’m drowning in my finances!!! I need some budget types. I live alone and need some help!!!
Thanks
PERCY
Dec
17
Alice H asked:
I am charged for text twist game that I din’t order, nor do I like it after I tried it? SDo I haave to get help from State Consumer agency?
KAREEM
I am charged for text twist game that I din’t order, nor do I like it after I tried it? SDo I haave to get help from State Consumer agency?
KAREEM
Dec
17
New York Mets Credit Card: Let’s Go Mets!
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
Bank of America and Major League Baseball® are offering baseball fans an exciting new opportunity to show their team spirit by carrying the New York Mets team logo credit card (www.metscreditcard.com). Like many colleges, airlines, and department stores have done in the past, Major League Baseball team logos are now being displayed on consumer credit cards. These team logo credit cards are rapidly growing in popularity and proving to be a hit with baseball fans throughout the country.
The Major League Baseball® Extra Bases™ Credit Card from Bank of America offers no annual fee and a 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for the first 12 billing cycles. As incentives designed to gain customer share in the extraordinarily competitive credit card market, the baseball credit card also offers an official MLB™ licensed jersey after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, the card offers a point based incentive system whereby card holders earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, coveted MLB™ life experiences, travel and cash rewards.
Every major league baseball team can be represented on a credit card. Visit www.majorleaguecreditcard.com or www.collegecreditbuilder.com to access the Major League Baseball™ Extra Bases™ Credit online application. New York Mets fans, and other avid baseball fans, now have something in common aside from their love of baseball. Real fans carry the card. With this credit card, consumers can be reminded of their favorite team every time they take out their wallets.
VAUGHN
Bank of America and Major League Baseball® are offering baseball fans an exciting new opportunity to show their team spirit by carrying the New York Mets team logo credit card (www.metscreditcard.com). Like many colleges, airlines, and department stores have done in the past, Major League Baseball team logos are now being displayed on consumer credit cards. These team logo credit cards are rapidly growing in popularity and proving to be a hit with baseball fans throughout the country.
The Major League Baseball® Extra Bases™ Credit Card from Bank of America offers no annual fee and a 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for the first 12 billing cycles. As incentives designed to gain customer share in the extraordinarily competitive credit card market, the baseball credit card also offers an official MLB™ licensed jersey after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, the card offers a point based incentive system whereby card holders earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, coveted MLB™ life experiences, travel and cash rewards.
Every major league baseball team can be represented on a credit card. Visit www.majorleaguecreditcard.com or www.collegecreditbuilder.com to access the Major League Baseball™ Extra Bases™ Credit online application. New York Mets fans, and other avid baseball fans, now have something in common aside from their love of baseball. Real fans carry the card. With this credit card, consumers can be reminded of their favorite team every time they take out their wallets.
VAUGHN
Dec
17
Privacy act and other legal issues?
Filed Under Law & Ethics | 2 Comments
Serendipity asked:
A is a company that is involved in the collection of marketing information (magazine subscriptions) and usually purchases them off other parties. The thing is, one of A’s employee saw that a firm also included their consumer’s credit card and personal details. The employee said that it shouldnt go into their database but this was rebutted by his boss, as he thinks only the database managers would have access.
A is a company that is involved in the collection of marketing information (magazine subscriptions) and usually purchases them off other parties. The thing is, one of A’s employee saw that a firm also included their consumer’s credit card and personal details. The employee said that it shouldnt go into their database but this was rebutted by his boss, as he thinks only the database managers would have access.
The question here is, under the Australian law, what are some of the legal issues faced and the dilemma the employee is facing? What could and should he do? Help please!
Thanks
JORGE
Dec
15
Debt consolidation?
Filed Under Credit | 5 Comments
georgia_mommy asked:
My husband and I are thinking of consolidating our bills, but we don’t know where to start. Including credit cards, small personal loans, furniture that we had financed, and medical bills, it’s only about $5,000, but our interest rates are so high, we want to try to change that. We spoke with CCCS (Consumer Credit Couseling Services), but I’m kind of ‘iffy’ about that. I would love to be able to just take out a loan for $5,000 and pay everything off, but neither one of us have good credit, so I don’t know what to do. We both have scores of pretty close to 525.
Also, we do not own a home, we’re renting.
Any advice?
ALPHONSE
My husband and I are thinking of consolidating our bills, but we don’t know where to start. Including credit cards, small personal loans, furniture that we had financed, and medical bills, it’s only about $5,000, but our interest rates are so high, we want to try to change that. We spoke with CCCS (Consumer Credit Couseling Services), but I’m kind of ‘iffy’ about that. I would love to be able to just take out a loan for $5,000 and pay everything off, but neither one of us have good credit, so I don’t know what to do. We both have scores of pretty close to 525.
Also, we do not own a home, we’re renting.
Any advice?
ALPHONSE
Dec
11
pdooma asked:
He just said all the credit card companies are based there because of the loose restrictions and the laws that don’t protect the consumer. (While explaining that Health Insurance companies will do the same thing under McCain’s plan.)
RONNIE
He just said all the credit card companies are based there because of the loose restrictions and the laws that don’t protect the consumer. (While explaining that Health Insurance companies will do the same thing under McCain’s plan.)
RONNIE
Dec
8
Consumer Credit Debt Consolidation – The Best Options
Filed Under Debt Consolidation | Leave a Comment
Tim Whiteman asked:
The practice of taking out a single loan in order to pay off all previously existing loans is referred to as consumer credit debt consolidation. The reasons that people choose this debt elimination option are to secure a lower interest rate, and also for the simple convenience of having to pay only one loan at the end of each payment period.
Collateral is traditionally required in these types of loans due to the borrower’s tarnished credit history. Depending on the total amount of the consolidated loan, the collateral may be the owner’s home, automobile, or any other piece of property of considerable monetary value.
If you are a home owner with a sum equity invested in your home, then you have the opportunity to apply for a home equity loan. This type of loan is reserved for people who own a home and are struggling with other debts. In this case, your home is counted as the collateral. This may seem like somewhat of an intimidating option, but there is one significant advantage that attracts many people. Since the collateral is of such high personal and monetary worth to the borrower, the interest rate on the loan would be significantly lower than any other loan.
Even if your debts are not causing a tremendous burden on your bank account, reorganizing your debts may still make good business sense. These are just a few of the ways you can go about it:
Home equity loan
These loans have an attractive advantage in that they carry a low interest rate, and whatever interest you do pay is tax deductable. Any time taxes are taken out of the equation is a great time. It goes without saying that that would be one less expense you would have to deal with each month.
Refinance for extra cash
Another great advantage of taking out a home equity loan, or a consumer credit debt consolidation loan, is that you can refinance your property for a greater amount than what you actually owe. When you do this, you can use the extra money from your new loan to pay off your other debts. Yet again, the interest rate you would get on this sort of a loan would be relatively low.
Refinance your vehicle
Your personal vehicle is considered as an eligible asset and can be used as collateral in your refinancing. One issue you may have to face, however, is that due to the nature of an automobile, your car may break down before you even have the chance to fully repay your debts.
Obtain a personal loan
If you have untarnished credit then you are qualified for an unsecured loan, otherwise known as a personal loan. Word of advice: credit unions will typically offer lower interest rates than banks, so you may consider getting in touch with them instead.
Self negotiating
Direct dealing is more effective in some cases than dealing through others. This way you can communicate directly with your creditors, or whatever other parties are involved, and you won’t have to worry about paying for the services of a middle man. As an added bonus, sometimes customer service representatives are capable of reducing interest rates for clients with a simple phone call. Maybe you ought to try putting in a call to your creditors, today?
Another alternative
You may also want to consider the options you can find on the Internet for consumer credit debt consolidation. There are a lot of scams circulating around the web, but if you do your research, you are sure to come across a legitimate company that you can work with. There are many truthful success stories around the Internet that can attest to the power of some online debt consolidation companies.
MANUEL
The practice of taking out a single loan in order to pay off all previously existing loans is referred to as consumer credit debt consolidation. The reasons that people choose this debt elimination option are to secure a lower interest rate, and also for the simple convenience of having to pay only one loan at the end of each payment period.
Collateral is traditionally required in these types of loans due to the borrower’s tarnished credit history. Depending on the total amount of the consolidated loan, the collateral may be the owner’s home, automobile, or any other piece of property of considerable monetary value.
If you are a home owner with a sum equity invested in your home, then you have the opportunity to apply for a home equity loan. This type of loan is reserved for people who own a home and are struggling with other debts. In this case, your home is counted as the collateral. This may seem like somewhat of an intimidating option, but there is one significant advantage that attracts many people. Since the collateral is of such high personal and monetary worth to the borrower, the interest rate on the loan would be significantly lower than any other loan.
Even if your debts are not causing a tremendous burden on your bank account, reorganizing your debts may still make good business sense. These are just a few of the ways you can go about it:
Home equity loan
These loans have an attractive advantage in that they carry a low interest rate, and whatever interest you do pay is tax deductable. Any time taxes are taken out of the equation is a great time. It goes without saying that that would be one less expense you would have to deal with each month.
Refinance for extra cash
Another great advantage of taking out a home equity loan, or a consumer credit debt consolidation loan, is that you can refinance your property for a greater amount than what you actually owe. When you do this, you can use the extra money from your new loan to pay off your other debts. Yet again, the interest rate you would get on this sort of a loan would be relatively low.
Refinance your vehicle
Your personal vehicle is considered as an eligible asset and can be used as collateral in your refinancing. One issue you may have to face, however, is that due to the nature of an automobile, your car may break down before you even have the chance to fully repay your debts.
Obtain a personal loan
If you have untarnished credit then you are qualified for an unsecured loan, otherwise known as a personal loan. Word of advice: credit unions will typically offer lower interest rates than banks, so you may consider getting in touch with them instead.
Self negotiating
Direct dealing is more effective in some cases than dealing through others. This way you can communicate directly with your creditors, or whatever other parties are involved, and you won’t have to worry about paying for the services of a middle man. As an added bonus, sometimes customer service representatives are capable of reducing interest rates for clients with a simple phone call. Maybe you ought to try putting in a call to your creditors, today?
Another alternative
You may also want to consider the options you can find on the Internet for consumer credit debt consolidation. There are a lot of scams circulating around the web, but if you do your research, you are sure to come across a legitimate company that you can work with. There are many truthful success stories around the Internet that can attest to the power of some online debt consolidation companies.
MANUEL
Dec
7
Online Application | Cleveland Indians® Extra Bases® Credit Card
Filed Under Baseball | Leave a Comment
College Credit Builder asked:
The Cleveland Indians® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.indianscreditcard.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, Indians fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.indianscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/cleveland-indians-credit-card-major-league-baseball-extra-bases-mastercard-626515.html
STEWART
The Cleveland Indians® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America. (www.indianscreditcard.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, Indians fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.indianscreditcard.com to complete the credit card application online in a few short minutes.
http://www.articlesbase.com/baseball-articles/cleveland-indians-credit-card-major-league-baseball-extra-bases-mastercard-626515.html
STEWART