Graduate Into The Real World
This is a 5 Part Series explaining the basics of good credit. The second factor in determining good credit is your credit debt/credit limit ratio. This is the amount you owe on your credit cards in proportion to your credit card limits. Your major credits like MasterCard or Visa are included in this ratio, but […]
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This is a 5 Part Series explaining the basics of good credit. The habit of paying your bills on time is the single biggest factor in the calculation of your credit score. It sounds pretty self explanatory. If you pay your bills on time, each and every one of them, you will do well. It […]
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The Credit Card Act has helped to protect us from punishing fees and interest rates on our credit cards. This leaves banks with a dilemma: how to make up for lost income. One way to make money is to add new fees and increase old fees on different types of bank accounts, and even some […]
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“I want to create a good credit history for when I need it, but no one will accept my credit applications because I’ve never had credit. What should I do?” Trying to establishing credit for the first time can feel like one of life’s cosmic jokes. You can’t get credit unless you already have credit. […]
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“I was just in a store and getting ready to check out and the clerk asked if I had a store charge. When I responded no, I was told that if I opened an account right now I would get an additional 15% off today’s purchases. Should I take advantage of this?” There are pros […]
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