 |
|
|
|
Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
|
|
|
|
|
Untitled Page
|
|
|
Untitled Page
|
|
|
 |
|
|
|
• Discover Student Card-Up to 2% Cashback Bonus® award
Student Credit Card Tips
• College freshmen learning real-life lessons about money. Before sending the kids off to college for the first time, did you have that little talk about ... you know?
• New York, other states look to curb credit card marketing on campuses. For college-bound high school graduate Kenneth Cashwell, the credit card offers started coming that summer too fast to count and too alluring to resist.
• Consumer group warns students against on-campus card marketing. Students returning to college this fall may find recruiters offering free T-shirts or Frisbees if they apply for credit cards. A consumer group is warning about such on-campus marketing campaigns.
• Charging 101: Survey finds widespread but measured use of cards by students. Nearly two-thirds of college students hold at least one credit card, and about one-third received that card during freshman year, according to a survey of college students released Wednesday by a pair of education groups.
• Tips to avoid crushing credit card debt on campus. A credit card can help a college student build credit, handle emergencies, and learn fiscal responsibility. But long-lasting debt can mount quickly. Here are some tips from financial experts on handling credit:
• Teens and Credit. How to explain credit to your teens. My first bit of advice is to try to have this conversation with your teen without gritting your teeth and clenching your fists.
• Many young college grads facing crushing debt. Christian Miller can't get a car loan and, at age 27, has returned to his parents' New Jersey home, forced back by the double load of credit card debt and student loans.
• Students' debt can bring financial trouble. Many college students are crushed under a burden of credit card debt, which can cause serious financial trouble particularly in repaying student loans, congressional investigators have concluded.
• Students, universities taking aim at credit card vendors on campus. The deluge of credit card offers on campuses nationwide, with pitches in person, by phone and e-mail, has some college students and their schools looking for ways to stop the flood
• Credit card use increasing in college students, worrying lawmakers. More college students are overusing credit cards, academics and policy makers said Thursday as they urged Congress to do something about the problem.
• Educating college-age children about credit cards. My daughter is going off to college next year, and I know she'll want her own credit card. How can I educate her about using it responsibly?
• Credit card companies teaching students plastic's dangers. It sounded like a good deal to Manish Dave: low APR, no annual fee and a free T-shirt to boot. Of course, when he signed on the dotted line and joined the legions of college credit card holders, he didn't know the bottom line.
• Pep rallies, orientations - and credit card solicitations. On many college campuses, credit card solicitations are as much a part of the back-to-school scene as pep rallies and sorority and fraternity rush week.
• Ready or not, more college-bound students get credit cards. If your son or daughter is headed off to college this fall, you're probably going to have to grapple with a vexing financial question: Should your child have his or her own credit card?
• Should college students carry checks, debit cards or credit cards? One of the toughest decisions parents make as they send their children off to college is whether to pack checkbooks, debit cards or credit cards that the kids can use for school costs and personal expenses.
• How can I keep my college kid from slipping into credit card hell? I know my kid will wind up getting a credit card at college this fall. What can I do to help her avoid running into debt?
• Avoiding Student Credit Card Debt. March is a very popular month among our nation's college students for one reason that has nothing to do with academics....spring break!
• Student Credit Cards 101: A Student's Guide to Credit: Tips for college students and parents of college students alike!
• High School Students and Credit Cards - A Recipe for Disaster?
• Choosing and Using Credit Cards. Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal.
• Ready, Set, Credit. A credit card is a great financial tool. It can be more convenient to use and carry than cash and it offers valuable consumer protections under federal law.
• Credit, ATM and Debit Cards: What to do if They're Lost or Stolen. Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen.
• Credit Card Cash Advance Pitfalls. Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible.
• Credit Card Protection Insurance- Should You Get It?
• Utility Credit. Of all the many different types of credit - for example, retail credit, loans, charge cards, and mortgages - utility credit may be the one that most people cannot do without.
Credit Card Calculator
• Credit card payoff Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.
• Credit Card Minimum Payment Interest Calculator This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill.
Lendingtips Advice on Understanding Credit
• Getting Credit: What You Need to Know About Your Credit.
• Credit Reporting Agencies. If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
• Demystifying the Credit Scoring/ Rating Process.
• Credit Scoring. Ever wonder how a creditor decides whether to grant you credit?
• What type of information do credit bureaus collect and sell? Credit bureaus collect and sell four basic types of information.
• Seven-year Reporting Period. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.
|
|
|
|
|
|
| ©2005 Lendingtips.com All rights reserved. |
|
|
Lendingtips.com 464 Oak Avenue Naples, FL 34108
Phone (239)877-7835 Fax (239)594-5686
|
|
|
|
|
