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It should come as no surprise that charge card accounts have become an extremely important factor to the financial stability of several people. The interest rates charged on charge cards should also come as no surprise to people. However, through my years of being a personal financial consultant, I have found that quite a few people are simply unaware of the different APRs that they may be charged as a result of using their charge card accounts. With that said, here is a list of the different kinds of annual percentage rates that people may be charged in conjunction with charge card accounts and which balances these annual percentage rates may be charged to. Read the rest of this entry »

Many young children are growing up to be adult consumers and wondering, is it time for a credit card? Well, before making these decisions it is very important that these young people know a little bit about credit card accounts. Things like what they are made for, what can get them in trouble and how to decide if they are ready for their first credit cards are all things that these young people should learn. Here is a list of what I feel are the most important facts young consumers should know about charge cards! Read the rest of this entry »

Getting a loan decades ago was a very simple process. All Americans had to do was walk into the bank and ask for one with a smile after a good firm handshake and introduction. However, these days, getting decent loan takes a bit more. If people want a mortgage, auto loan or even a charge card with a good annual percentage rate and great terms, they will need to have great FICO scores. Here are the tips people should think about when building credit scores: Read the rest of this entry »

It should come as no surprise when I say that charge card accounts play a vital role in the financial lives of many people world wide. Often times, many Americans find themselves extremely dissatisfied with regards to the interest rate that they have been forced to pay. Other times, other Americans are simply unhappy with the lenders that they have chosen to work with. In any case, these days, these people have options when it comes to charge cards. Read the rest of this entry »