Have you heard that American Express offers you $300 cash in the form of pre-paid American Express card if you pay off your credit card outstanding balance and close the card account?

Will you pay off your balance at one shot and close your AmEx account to get this $300?

While shopping for MBT shoes at a shopping mall yesterday, a credit card sales executive stopped me and asked if I had a bank’s credit card.

It’d been some time since I was stopped by a credit card sales executive.

When is your last time being told of a credit card balance transfer offer or 0% interest rate credit card deal?

I am happy that I no longer have any credit card.

I am so angry that some of the local banks still charge me finance charges and late payment fees even though I am now under the debt management program.

This morning when I checked my bank statement, I was shocked that one of the banks banked in the post-dated checks I had issued before my debt management program was approved.

This bank should have known that I am now under the debt management program and that they shouldn’t have banked in the post-dated check.

I was fed up that I stopped chatting with a Seattle injury lawyer buddy and shot a call to the bank.

I am sorry that if you have bumped into my credit card blog and found no offers on credit cards.

You find no recommendations on 0% credit cards, low interest credit cards, balance transfer credit cards, business credit cards or whatever credit cards that you know here. You only see tips and ways to reduce credit card debts or delete negative items off your credit report.

I am a work at home mom who is loaded with credit card debt and is still paying down my debt until today. I started my debt reduction since April 2007. Even though I have stopped adding extra debt to my existing debt, I still need bout 3 to 5 years to fully settle the debt.

If you are thinking of applying for a credit card, you had better not. Use cash.

Oh, ya, you may say that you are a very disciplined person and you can surely pay off the credit card once the statement arrives at your doorstep. Since you are a very disciplined person, I am sure you can save money very fast and use it to buy stuff. So why use a credit card?

Do millionaires get into credit card debts? Only middle income people like you and me get into credit card debt.

Enough preaching. Be a millionaire or a debtor, it’s your choice.

I need to sell more Fenphedra products to pay off my credit card debts now.

Hubby and I will visit my uncle again next week after I finish some of my credit card reviews. Poor uncle, he is still in the hospital. In fact, he has been there for more than a month now.

I was told by by my sister that the high tech doctor who is always carrying his PDA with him has started giving him Morphine injection. 3 times a day. Needing Morphine, a narcotic pain reliever used to treat moderate to severe pain, means that my uncle’s health has gone worse.

Initially I didn’t understand why the doctor is always playing with his PDA. Apparently, his PDA is loaded with free medical palm software helps him immediately access the information needed to make prescribing decisions – such as drug dosing, side effects and health plan coverage.

It’s great that physicians and clinicians can access free drug reference easily and quickly to help patients relieve pains.

“This announcement was paid for by Epocrates.”

I have never been so angry. I have had enough of this Streamyx. I want to vent out my anger here, otherwise I will take it out on my hubby.

I have to put off my mesothelioma reviews first. I am not in the mood to do research and write the reviews now.

You stupid Streamyx! When can I get to TuneMoney‘s website. Even going to PayPal’s website is not as smooth as last time.

If I can’t get to PayPal, I can’t withdraw money to my Tune Money Visa Debit Card. If I can’t withdraw money into the debit card, I can’t withdraw the money to use or pay off my credit card payments on time.

If I can’t make credit card payments on time, I will be charged penalty charges. You idiot, Streamyx!

Ever since the introduction of no balance transfer fee credit cards to the American market several years ago, the number of Credit Applications has soared. Most money-savvy consumers use them to save money by avoiding interest charges on their credit card debts.

As no balance transfer fee credit cards allow you to transfer credit card debts from other cards and pay no interest on the transferred funds for 12 months, with no balance transfer transaction fee, moving balances from high interest credit cards to 0% credit cards with no balance transfer fee is a great money saver.

An example, transferring $5000 to a 0% credit card with a no balance transfer fee from a credit card with a 15% interest rate can save you over $750 over the course of 1 year. Imagine how much you can save if you have multiple credit cards!

Since you are not paying interest for a full year, you don’t have to rush to pay off your credit card. Instead, keep your money in a high yield savings account and earn interest on your money until the 0% interest rate is about to expire. This way, you not only save a few hundred or a few thousand with your 0% balance transfer, you can also earn another four to five percent on your money.

To ensure that you are applying for the best No Balance Transfer Fee Credit Card, simply make sure to take note of the interest rate, the length of the balance transfer promotion, and make sure you understand the terms of the offer.

Repairing your credit – getting rid of the negative credit report information and caught up on past due bills – will raise your credit score some. To raise your score to a level high enough to get loan approval and better interest rates, you’ll have to rebuild your credit – prove that you can handle credit responsibly.

Getting started might be difficult, but once you begin to build momentum, you’ll be coasting your way to a good credit score.

Part of rebuilding your credit is proving that you can pay your bills on time. If your bad credit episode left you without any credit cards, you’ll have to open new ones.

Be careful when you apply for new credit. Make sure you don’t put in too many credit applications. It will affect your credit score, making it harder to get approved for new credit.

Sure, you receive credit card offers in the mail, but which credit card should you choose? Simply applying for the first one you open or the one that’s most aesthetically appealing isn’t the best way to choose. You can save hundreds, and maybe even thousands, of dollars by shopping around for credit cards.

There are bad credit offers for people with bad credit though they often have high interest rates and extremely high fees.

Gone are the days of charging things you can’t afford, making minimum-only payments, and skipping credit card payments. Improving your credit score means staying well below your credit limit and paying your credit card bills on time.

Sure, you receive credit card offers in the mail, but which credit card should you choose? Simply applying for the first one you open or the one that’s most aesthetically appealing isn’t the best way to choose. You can save hundreds, and maybe even thousands, of dollars by shopping around for a credit card.

1. What Kind of Card is It? There are many different types of credit cards to choose from. Understand what kind of card you’re applying for before filling out the application. This will help you make sure you’re applying for the right card.

2. How are You Going to Use the Credit Card? Do you plan to pay your balance in full each month? If so, a charge card might be the best option. Will you be using your card for balance transfers? You should look for a card with a low interest rate on balance transfers. Do you plan to carry a balance from one month to the next? A credit card with a low interest rate is ideal. Read more »

You sign up for a card at 7.99%. Send in one payment a couple of days past the due date, and your interest rate could jump to 19.99%. If you’re late again, it could leap as high as 29.99% ! What’s more, the companies monitor your credit history closely.

Make a late payment on one card and all your cards may raise their rates. Speaking of lateness, your bank may have a fixed hour for receiving your payment on the day it’s due. If it’s supposed to be in by 10:00 a.m. and doesn’t get posted until 4:00 p.m., you will be charged a late fee.

$$ Saver. Pay your credit card bill as soon as possible after it arrives. You may have just 2 weeks to guarantee that your check arrives on time. Read more »