I’m Looking for a Credit Card for People with No Credit – Is There Any Hope?

February 10, 2012

Author: William M. Davis

Not having a credit history can affect your eligibility for credit cards and mortgage loans. When you don’t have a credit history to show, it can be a difficult task trying to get approved for any type of credit. It can also be very frustrating because if you don’t have credit, and no one is willing to give you credit to establish a credit history, how will you ever get one?

New Credit Card Legislation for US in 2010

February 9, 2010

Author: William M. Davis

Credit cards play a vital role in helping millions of Americans and small businesses to get by with daily life and daily business activities. For years consumers have been complaining about the unfair credit card practices and wanted a change. The new credit card law, which promises that consumers will be treated fairly and credit terms would be made easier to understand and not mislead consumers, should put an end to the frustration most consumers have had to deal with for years-at least for now.
As president Obama stated “The law is for people who found out those credit cards …

Credit Cards for People with Bad Credit – How to choose what is Just Right for me?

December 23, 2009

Author: William M. Davis

If your goal is to improve your credit, there are several alternatives you can choose from. However, simply getting a credit card will not help you build or rebuild a good credit score. You will need to make your minimum monthly payments are on time, and you would need to stay within your credit limit. Over time you are able to re-establish your good credit and thus change your financial future.

How to Choose What is Just Right for You
When applying for credit cards, you should make sure they offer low fees, low APR (below 10%) and, most importantly, that …