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[December 10, 2008, 5:12 am]
Which is the best credit card to gain reward points for airline travel? I also would like to transfer a balance and have 0 annual fee. I was told the Orbizt/Visa was a good card for me.
Answer
If you have good to excellent credit, consider Blue Sky from American Express. It has no annual fee and a low introductory rate on balance transfers. The balance transfer fee is capped. Its maximum amount is $99. The card provides 1 point for every dollar you spend. The points can be redeemed for airline tickets, hotel stays, cruises and more. Another option for good or excellent credit is Miles by Discover® Card. It offers no annual fee and a 0% introductory APR on purchases and balance transfers for 6 months. You will earn double miles on up to $3,000 in travel and restaurant purchases each year. On all other purchases you will get 1 mile for every $1 spent. The miles can be redeemed for travel credits to your account, gift cards or cash. You can compare the credit offers and analyze their features at our site.
[December 10, 2008, 6:37 am]
whats does cash advace mean and do all credit cards allow you do atm transaction in case of emergency
Answer

Cash advance means obtaining the cash by using the credit card in ATMs or writing special cash advance checks. Generally, all credit cards have this option. However, we don't recommend making withdrawals if there is no emergency. Otherwise, you are simply wasting your money for fees and interest charges. The expenses associated with cash advance are very high.

If you are looking for the most beneficial terms on cash advances, consider offers from Bank of America. Consider NFL Extra PointsTM Credit Card, Bank of America® Accelerated RewardsTM American Express® Card or Ducks Unlimited World Points® Platinum Plus® Visa® Card. They provide an introductory 0% interest rate for cash advance checks for your first 12 billing cycles (subject to a 3% transaction fee, no less than $10).


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Credit Cards Tips

Observing Balance Transfer Changes

Balance transfer is one of the most common solutions if interest on your credit card balance grows faster than you can pay it off, and your debt keeps growing more and more. In order to draw in customers from their competitors, credit card companies offer promotional 0% or low interest rates on your debt. And if you get this introductory low APR for say a year, your balance would be easier to manage.

Car Rental with Credit Cards

Do you want to use a car during your trip to Europe or Asia without the hassle of trucking your own vehicle overseas? Consider renting a car. It's a great opportunity to use a late-model automobile and go everywhere you want. Renting a car abroad is quite a simple process. There are a lot of local and international car hire companies that will help you cruise around the country. Just find the most suitable rates and use your plastic to make a deposit. It will save your time and money: car rental companies heavily favor customers who use credit cards.

Bad Credit after Job Loss

Slowing economic activity strains budgets of many companies. Nobody is protected from job losses or other unexpected life-changing accidents. If you lose the source of income, you can get into a serious financial trouble. Don't make your situation worse by falling into bad credit! Otherwise you can increase your borrowing costs and make it harder to get a new job - some employers take into consideration your credit history. Keep paying all your bills on time to maintain a positive FICO score. Our tips will help you manage your finances and, hopefully, ensure your peace of mind during difficult life events.

Credit Card Usage

Applying for a credit card can be a smart idea or a huge mistake depending on the circumstances. Those people who understand the basics of responsible credit usage are likely to benefit from this financial tool. But if you want to make the most of plastic money deals without knowing how they work, you just waste your time. The cases are not rare when credit mishandling ends up in massive debts. Learn how to protect yourself from financial mistakes and use your plastics responsibly!


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