Tag Archives: Best

Prepaid Credit Card or Bad Debt Card: Which is Best?

A prepaid credit card and a bad debt card are the options open to you if you have an adverse credit record and need a credit or debit card. There are many reasons for you needing a credit card, and even those with a very poor credit record eventually find that not having a card can very inconvenient.

Let’s take some examples a where bad debt card or prepaid credit cards would be better than no card at all:

1. Hotel bookings.

Most people book their hotels in advance – in fact if you don’t you are highly unlikely to get a room! When you book online you obviously have to secure the booking using a credit card. If you book by telephone, you will be asked for your card number. So if you have had your cards cancelled, and no regular card provider will give you one because of your past record, then what do you do? No more hotels for the rest of your life? You are better off with a bad debt card or a prepaid credit card than no card at all!

2. Vacation Bookings

The same applies here, and there is not really any need for me to go further than that. You know how it works: you make the booking and then give your card number. No card, no booking. The days are long gone when you book and then pay cash when you arrive.

3. Any Online Purchase

Any online purchase must be made using a credit or debit card. If you don’t have card you can’t buy anything online. Nothing at all!

4. Autotellers

There will come a time, not too far into the future, when banks will not handle cash except from registered retailers, and even that will die out. Cash for the few items that you need it for will be dispensed by autotellers and practically everything else will be paid using a card of one type or another. Even bars are converting to cards: hand it over when you order your drink, and then every other drink goes onto your tab assigned to that card.

Basically, what I am saying here is that you will find life sheer hell without a credit or debit card, and if your credit is shot, as it is for many people, and as it was for me for a long time, you will find ‘normal’ life very difficult. You will need a card for most purchases, online or not, and unless you have good credit you will need either a prepaid credit card or a bad debt card. Without one of these you will be screwed when it comes to purchasing anything you cannot buy in your local store – that includes hotels, flights, vacations, restaurant bookings, online purchases – in fact anything online that costs money – and even getting cash from your bank.

So why are there both bad debt cards and prepaid credit cards? Why not just one or the other? The reason is that some people cannot take a second chance, and when issued a bad debt credit card without a credit check being carried out, they still screw up on the repayments.

These cards don’t offer you a large amount of credit initially, sometimes only $ 500 or £250, but even then they can’t make the payments. They max it out in 5 minutes and then pay nothing for months. Eventually, their credit is totally irreparable, and they have no chance of getting any credit anytime – at least not until the statutory time has elapsed for their record to remain visible.

They can, however, apply for a prepaid credit card, where they fund the card and can then spend up to the amount they have funded. They cannot go beyond that, but what they can then do is make the normal online purchases and bookings that they could with a regular credit card. You can also have your income paid directly into the card account, and use autotellers to withdraw cash and make regular payments by direct debit.

If all this describes you, then a prepaid credit card is an ideal solution to your need for a payment card, and if you haven’t yet shot yourself in the foot you should also be able to successfully apply for a bad debt card. A small credit limit to start with, but stick with it and not only will that limit be increased, but you have already started to repair your bad credit score. Maintain your payments regularly, and you will soon be able to apply for a regular card.

For more information on the benefits of bad debt cards and prepaid credit cards visit Global Credit Guide where you can solve your problem by accepting any of the great cards waiting for you.

More Prepaid Credit Card Articles

Young Money: Picking The Best Credit Card | CNBC

CNBC’s Landon Dowdy highlights four guidelines to help you pick the best credit card.
» Subscribe to CNBC: http://cnb.cx/SubscribeCNBC

About CNBC: From ‘Wall Street’ to ‘Main Street’ to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more.

Connect with CNBC News Online
Get the latest news: http://www.cnbc.com/
Find CNBC News on Facebook: http://cnb.cx/LikeCNBC
Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC
Follow CNBC News on Google+: http://cnb.cx/PlusCNBC
Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC

Young Money: Picking The Best Credit Card | CNBC
Video Rating: / 5

Use our referral link to get a bonus: http://bit.ly/asksebby-discoverit

Want double rewards your first year? The Discover it® credit card is the best cash back card with 5% back on categories, plus double points your first year.

Support our channel by shopping on Amazon!
https://www.amazon.com/?tag=asksebby-20

Follow me for updates:
Subscribe: http://bit.ly/subscribeasksebby
Blog: https://blog.asksebby.com/
Facebook: https://www.facebook.com/AskSebby/
Twitter: https://twitter.com/asksebby

Edited by:
Sebastian Fung: https://twitter.com/sebfung

Produced by:
Mandy Hong: https://twitter.com/mandyhong08
Video Rating: / 5

Getting the Best Home Loan Interest Rates

Interest rates are a very important deciding factor in comparing home loans. Interest rates are always a hot topic because they determine how much your home will ultimately cost and how much you make in payments every month. Even the slightest difference in interest rates can make the biggest change in your monthly payments.

Different Kinds Of Interest Rates

When looking for the best home loan interest rates, it helps to understand about the cash interest rate. The Reserve Bank of Australia determines the “cash” interest rate and it is reviewed on a monthly basis. Companies that provide the credit for home loans will set their own interest rates that will coincide with the cash rates.

The Variable Rate

The variable rate is a home loan interest rate that responds to the cash rate and will increase or decrease as determined by the providing company. If the cash rate declines, then the variable rate will often decline also, therefore making your payments less. Usually there are no restrictions either, under this home loan, for making additional payments to pay off your loan more quickly.

Alternately though, if the cash rate increases, the loan amount usually will increase also. Of course, this makes your repayment more. This can happen even if the cash rate does not increase. You are at the mercy of the loan provider. This may make it difficult to budget your monthly expenses and it might be a very wise idea to have reserves built up so that you can adjust your repayments when necessary.

The Fixed Rate

The fixed home loan interest rate is much like it sounds. You will be allowed to lock in an interest rate for a set period of time, usually one to five years. This type of loan protects you from fluctuating rates, as in the variable rate above, allowing you to plan your finances accordingly.

The disadvantage to this is that you will not benefit if the rates decrease during the course of your loan. You may also receive penalties for making additional payments or paying back the loan earlier than when it is due. You may also be charged a considerable fee if you decide to end the fixed period earlier, especially when you are looking to end it early due to better home loan interest rates.

Interest rates are a very important deciding factor in comparing home loans. Interest rates are always a hot topic because they determine how much your home will ultimately cost and how much you make in payments every month. Even the slightest difference in interest rates can make the biggest change in your monthly payments.

Different Kinds Of Interest Rates

When looking for the best home loan interest rates, it helps to understand about the cash interest rate. The Reserve Bank of Australia determines the “cash” interest rate and it is reviewed on a monthly basis. Companies that provide the credit for home loans will set their own interest rates that will coincide with the cash rates.

Tomorrow Finance provides tools to compare home loans from Australia’s lenders. When you find the best home loan rates, you save!

Find The Best Cash-Back Cards

Find The Best Cash-Back Cards

Cash-back reward credit cards are very popular. But with so many cards out there and so many rules, you may not be getting as much money as you could.
Video Rating: / 5

My Wallet: http://amzn.to/2fUXJCp
With the cash back on groceries being cancelled on the lucrative Sallie Mae credit card of 5%, other combinations of cash back cards are necessary. The general idea is to combine all your cards and put the more frequency used cards that has the most cash back in your wallet. Then you make a cheat sheet to show you easily which card to use so you do not have to remember everything. Doing so will net you 2/3/5.25% on various categories and will optimize your cash back potential for your regular spending!

Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush

Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this:
http://www.audibletrial.com/BeatTheBush

▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Credit Card for Starters
Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0
Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q

Credit Card Basics
How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A
How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA
Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM
Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk
Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q
Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU
Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw

Credit Score Less Than 700
Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA
Build Credit Fast with a 0 Credit Limit: https://youtu.be/attQKzngqoE
How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8
How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM
How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg

Credit Score More Than 700
How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs
740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU
My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ
My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc
My Credit Score: 848 – Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM

Advanced Credit Card Tricks
How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y
Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8
Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4
Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA
Credit Card Low Balance Cancellation per mont [Still Works]: https://youtu.be/2DJjfvcMCcg

Cash Back
Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk
How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4
Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk
5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI
Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4
Max Rewards: What’s in My Wallet: https://youtu.be/cmJDFcbjFho
How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI
When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M
Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0
Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U
Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo

This Channel: BeatTheBush
I’ve obtained a high credit score of 848 out of 850 and I am glad to share the knowledge for everyone. Since 3 years ago, I’ve started making numerous videos that helped people increase their credit score that are free and accessible to all. Please enjoy my channel.
Other Channels:
BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY

What’s The Best Credit Card For International Travel? – Credit Card Insider

Today’s question is: What’s The Beat Credit Card For International Travel?
Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Not every card is a good pick to bring to foreign countries. Some may have foreign transaction fees that will make all of your purchases up to 3% more expensive, but more importantly you’ll also need EMV technology to even use your card in most places. Check out our picks for the Best Travel Credit Cards for 2015: https://www.creditcardinsider.com/credit-cards/travel/#3-our-editor-s-picks-for-best-travel-credit-card

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we may answer your question on YouTube!

To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at https://www.creditcardinsider.com/learn/

If you’re looking for a credit card, start your search at https://www.creditcardinsider.com/credit-cards/

Join our community!
https://plus.google.com/+Creditcardinsider

https://www.facebook.com/CreditCardInsider
https://www.creditcardinsider.com
Video Rating: / 5

CREDIT CARDS FOR BAD CREDIT ֍ BEST SECURED CREDIT CARD

http://www.badcreditassistance.com/recommends-this-source-for-bad-credit-credit-cards

This video recommends one of the best secured credit cards. Capital Bank has consistently ranked as one of the best secured credit cards available, with lowest fees and start up cost. It functions exactly like a regular Visa Card and is accepted anywhere Visa is accepted. Your funds are held in a real 100% FDIC insured Bank.

Capital Bank Open Sky Secured Visa does reports your good payment history to all 3 major credit bureaus. This means that using the Capital Bank Secured Visa actually helps you start credit, or repair and rebuild your credit report.

Get More Free Credit Tips. Plus Choose A Free Credit Consultation At http://creditassist1.com
Video Rating: / 5

who offers the best identity theft protection | reviews of lifelock identity theft protection

http://toplegalsolutions.com | who offers the best identity theft protection | reviews of lifelock identity theft protection
Stay informed about the latest identity theft news and stories and learn what law enforcement and elected officials are doing to protect consumers from becoming victims.

Crimes
Identity theft is a crime that can be perpetrated using low-tech methods such as dumpster diving or much more tech-savvy means including phishing e-mails, skimming devices and malicious software known as malware. There were 12.6 million victims of identity fraud in the U.S. in 2012. Identity theft tops the list of consumer complaints that are reported to the Federal Trade Commission every year.

+++) Please SUBSCRIBE and Leave a comment (+++

Don’t forget to “LIKE” us.

Data Breaches
A data breach occurs when confidential information, like your Social Security number, credit card number or health information, is exposed or accessed by an unauthorized person. Studies show that individuals who receive a data breach notification letter are more than four times as likely to become victims of identity theft.
http://en.wikipedia.org/wiki/Identity_theft

Primerica Legal Shield ID Theft Protection

Video Rating: / 5

Buy Best Trending Shoes In Cheap | Free Home Delivery | paytm | GAURAVZONE

Hii guys in this video i will show you 1st copy of nike, adidas, puma, jordan and watches like gshock, rolex, hublot etc.
You will also find some shades of rayban and dior.

for inquiry/order- whatsapp – 8780303155 : 8141993473
instagram shoe page-http://instagram.com/shoegallery_sh
shoe online website- http://swww.shop101.com/replicashop

find me on :
FB -https://www.facebook.com/gauravzone1/
INSTAGRAM-https://www.instagram.com/gauravzone_/

dnt forget to LIKE | SHARE | SUBSCRIBE

Best High Limit Credit Cards

< object type="application/x-shockwave-flash" style="width:425 px; height:355 px;" information ="// www.youtube.com/v/O-w-8hMJaik?color2=FBE9EC&version=3&modestbranding=1" >< param name="film" worth ="// www.youtube.com/v/O-w-8hMJaik?color2=FBE9EC&version=3&modestbranding=1"/ > http://www.businesscreditblogger.com/2015/10/02/best-high-limit-credit-cards/ Where are the most effective high limit charge card? Discover actions to require to obtain bank card carrying the highest credit line both directly and also for organisation.

In today’s video we’re going to cover ways to obtain the very best credit cards that lug the greatest credit line for you personally as well as for your company with our unprotected business financing (UBF) program. There are no upfront fees, no application costs, and no charges what so ever before until you are funded. There are no sector or revenue restrictions, and it’s available also if you are start-up.

The program is based on the individual credit rating of any service principal. You can include anyone (company credit rating partner), that is creditworthy to your service to earn it work. 3 organisation principles applying might equal an overall of 0k being funded (0k per principal).

All the most effective high limitation credit report cards that get issued through our program carry 0% rate of interest for 12 to 24 months based on your pre-qualification. So for a minimum of one year you will certainly not be billed anything from the debt card carriers for making use of your new rotating credit history lines.

Bear in mind these are rotating line of credit so there are no expiration dates.

Below are the regular per principal funding varieties based on your FICO ® Ratings:

740 & over … 5,000 to 0,000
720 to 739 … 0,000 to 5,000
700 to 719 …,000 to 0,000
680 to 699 …,000 to,000.

All set to get high limit charge card? Have a look at the following links for information and apply today.

http://www.businesscreditblogger.com/2015/10/02/best-high-limit-credit-cards/.
https://youtu.be/O-w-8hMJaik.
Video Score:/ 5