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Low Interest Credit Card Savings Tips, Credit Card Shopping, Credit Card Comparisons, Free Credit Reports, Do-It-Yourself Credit Repair, Credit Card Surveys, Credit Card Scams, Credit Card Fraud, Identity Theft Protection, Credit Card Statistics, Credit Card Glossary, Credit Card Laws, Credit Card Considerations for Women and Minorities, Credit Card History and Technology.

Low Interest Credit Cards
Credit card applications from all major Banks and Credit Card Issuers. Compare offers side by side and find a credit card that's right for you. Offering: low interest credit cards, frequent flyer cards, cashback credit cards, business credit cards, student credit cards, bad credit-credit cards, debit cards, prepaid credit cards, secured credit cards. Offers available for those with bad credit, no credit, good credit, excellent credit, and students. Instant online approvals when you apply here.

* The intent of our news articles is consumer advocacy–to empower you with relevant, factual information that can help increase your knowledge of personal finance. The tools and information provided in this section will help you make informed choices which in turn can save you money. You won't find any advertisements or hype inside these pages–just the facts about credit cards.

Credit Card News You Can Use™ is updated weekly.

Maximizing value from your CashBack, Points or Rewards Low Interest Credit Cards:
If you're not gaining the amount of CashBack, Points and Rewards that you'd like, here's a suggestion-use your CashBack, Points or Rewards Credit Card for absolutely every single purchase you make. But! Do it in conjunction with the checkbook you'll use to pay your monthly bill. After every purchase using your CashBack, Points or Rewards Credit Card, record the purchase in your checkbook as a debit. At the end of the month when the bill comes you've already allotted for the amount necessary to pay your balance because you've been debiting it's charges in your checkbook register all along. So when you pay the bill it won't hurt a bit. Obviously this method requires discipline but just think of what you could earn over the course of a year's expenses.

Read more about low interest credit cards...

Some Financial Advisors use The Old School rule of thumb and tell you cut up every Credit Card that you aren't using, others might tell you to acquire as many Credit Cards possible within the guidelines of your credit rating-that it makes you appear more credit-worthy to lenders. Truth is, it's more complicated than that. The number of credit cards you carry should be a decision based on several factors including your FICO score, current credit card debt ratios, other debt ratios, and your overall current financial standing. You can review your FICO scores and get a Free Credit Report from the main 3 Credit Bureaus here. Yes, A Free Credit Report. This is NOT a pop-up ad or a 3rd party report that baits and switches with something to sell. This is the do-it-yourself process for The Big 3: Equifax, Experian, and TransUnion LLC.

And, why should you care about your credit report? It determines the rate at which you can borrow money and how much money lenders will extend. It's also something that potential employers can review during the hiring process. Many employers will equate a bad credit rating or a so-so credit rating with your overall personal character. Scary, but true. Your credit rating may not seem important today, but it can come back to bite you if you don't stay on top of it.

#1—It is very important to remain current on all of your bills. Not doing so will certainly jeopardize your Credit History and FICO Scores. Establishing a consistent payment history will help you qualify later for the major credit cards.

#2—You could also try applying to a Department Store or an Oil Company's Gas credit card, and see if you get approved. Those credit cards can be a good initial starting point. Carrying a small balance on Department store credit cards or Gasoline credit cards can be a good idea because it shows Creditors that you can handle an outstanding balance.

#3—Another approach would be to start with a Secured Credit Card. With secured credit cards you place a deposit with the Credit Card company and they provide you with a Credit Card. Often times this can help in establishing or rebuilding your...

Too much charging during the holidays? Here are some tips to save you money.

One approach might be to transfer your balance to another Credit Card at a lower interest rate with a No Balance Transfer Fee. That might help you pay down your balances quicker because a larger amount of your monthly payment would be going toward paying the principal instead of finance charges.

Pulaski Bank has an outstanding value with such a Credit Card that we're currently offering at 4.75%, Yes, 4.75%! But, keep in mind you will need an absolutely Perfect and Superior Credit Rating for approval to the Pulaski Bank Credit Card. Even though this Credit Card has a $35-$50 (gold is $50.00) annual fee, this Credit Card can be a very good solution if you carry high balances on other Credit Cards.The intro rate is 0% on Balance Transfers for 6 billing periods, and then the Annual Percentage Rate (APR) is only 4.75%. There is no Balance Transfer or Cash Advance Fees, and the Pulaski is one of the few Credit Cards still having a 25-day grace period.

Whatever you decide, we offer options for all credit ratings in our Balance Transfer Section >

* Keep in mind—too much transferring of balances then cancelling the card is frowned upon by Banks and Issuers. We recommend finding a couple good value credit cards and sticking with them.

With so much credit card and identity theft these days, we recommend storing your personal financial data on cd's. That way data isn't exposed to lurkers on your hard drive, you access it only when you need it and you've always got a back-up. It's also a good idea to burn an extra cd of all your stuff and put it in your bank's safety deposit box.

When you need to destroy that data--place the cd in a microwave for 1-3 seconds. The data will disintegrate and you'll see a very colorful lightshow, then hear a slight popping noise. You can be assured the disk will no longer be readable. Remember 1-3 seconds only.

Don't you just hate it when someone offers you a free something or other but by the time you click or call turns out it wasn't free after all? You've probably seen the blinking pop-up ads for "Free" Credit Reports - A lot of these services are bait and switch - your "Free" Credit Report winds up costing between $19.95 and $49.95 for something you can do on your own.

The new ruling recently announced by the FTC will certainly benefit consumers. The FTC's final ruling under the Fair and Accurate Credit Transactions Act now allows all Americans to receive one Free Credit Report annually.

The new law is rolling out geographically according to this schedule:

Dec. 1, 2004-Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming

March 1, 2005-Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin

June 1, 2005-Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas

September 1, 2005-Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia, Puerto Rico and all U.S. territories. Get your report now by visiting www.annualcreditreport.com or call 877-322-8228

* If your state is not currently participating visit us for the contact information you'll need to get your free credit report now.

Why should you care about a Free Credit Report?
Banks, lenders and credit card issuers base interest rates and approvals on your credit rating. As you improve your Credit score, you pay less to borrow. For example, on a $150,000 30-year, fixed-rate mortgage: having a so-so credit rating could make for an interest rate over 10% which makes for a monthly mortgage note in the ballpark of $1300. A good Credit Rating in this scenario would qualify you for a rate as low as 5%, making that monthly mortgage payment roughly $800.00. You may not care about your rating today, but later in life when it comes time for that big purchase...

All that stuff you charged during the Christmas shopping season? You might wind up paying a boat-load in interest if you're not careful. It may be time to think about a balance transfer.

By defintion a Balance Transfer is the act of transferring the whole or partial balance of one credit card to another credit card. This is usually done by transferring balances of higher interest rate credit cards to a low interest credit card. One thing to look out for are Balance Transfer Fees - A fee that is charged to cardholders for processing the transfer of a balance from one card to another. These fees can range from $50 to $100 and are not always apparent, so make sure you're well informed before applying for a new balance transfer credit card.

No wonder the consumer top picks for Balance Transfer Credit Cards in 2005 are Blue Cash from American Express > and Chase Cash Builder > they let you transfer balances Fee-Free...