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Peter Carville - ArticlesWriting has been a passion of mine since from an early age. The interest stemmed from seeing my mother write for numerous papers in the UK.
I also take a keen interest in sport and keeping fit, playing for my local cricket and squash club. Having settled down with a family of 5 I am now the happiest i've ever been and the love for my job supplements this. Tips to Reduce your Irish Credit Card CostsThe main tip to reducing your Irish credit card costs is to pay them off every month. But in real life, that's not always possible. Emergencies come up, and you need time to pay off your expenses. But if you can't pay off your entire balance every month, the next best thing you can do to keep expenses down is to pay as much as you can, and pay on time. That way you'll keep your average daily balance as low as possible (which is what your minimum payments are based on), and you won't be hit with late fees. Can my Business Benefit from a Corporate Credit Card?If you have a small business, you may wonder if it’s worth it to have a corporate credit card. The truth is a corporate credit card may be of more benefit to a small business than to a larger one. If you’re just starting out, you probably don’t have an accounting department. You may not even have a bookkeeper. If this is the case, then a corporate card could be a great timesaver. With all business spending in one account, it is easy to keep track of expenses up to the minute online. The Best Credit Card to Apply For In the Credit CrunchThe recent global credit crunch has made credit harder to get, and has many people wondering which card they should apply for. It is more important than ever to have a decent credit rating because banks and credit card issuers are cutting lines of credit and even closing accounts on riskier clients. There is probably no one “best card” to apply for in the current economic situation, but there are a range of good cards that you will find of benefit depending on your spending and credit habits. How Do I Correct My Bad Credit Rating?If you’re trying to come back from a bad credit rating, you know that establishing credit again is important. You also know that lenders are reluctant to lend to you with your past credit problems. Often the best place to start is with a secured credit card. A secured credit card is a credit card in your name that is secured by a deposit you make with the card issuer. That deposit acts as “collateral” against your new debt What are the Best Credit Card Deals at the Moment?The best credit card deal for one person may not be the best for someone else. Someone who travels a lot may want to choose a rewards card that accumulates airline miles or hotel points, while someone who doesn’t fly may want one with cash back bonuses or a low interest rate. Generally speaking, if you ever carry a balance over from month to month, you should choose the card with the lowest interest rate. Otherwise, high interest payments will more than cancel out any cash back or travel mile bonuses you get What is a Football Credit Card?To be clear, in this article, the word “football” applies across the board. Whether it refers to what Americans call “soccer” (and everyone else in the world calls “football”) or American style football, the premise is the same: If you have a football credit card, you support your favorite team whenever you buy something with it. What is a Charity Credit Card?Charity credit cards are an easy way for people to donate cash back rewards to charities. Some of these cards will make a fixed amount donation (usually $10 or $20) when you first open your account, and some will match some of your own donations. It can be a good way to consistently support the causes that are dearest to your heart. They work just like other rewards cards, except that the rewards go to the charity with which the card is associated. How Does a Corporate Credit Card Work?A corporate card works pretty much like a personal card. The monthly bill goes to the company, and corporate cards for large or well-capitalized companies may have really high credit limits, but there are also much simpler cards. For example, if you have an ebay business, you can get a PayPal debit card or credit card. Most corporate cards include specific types of bonuses and benefits that will appeal to different types of businesses. What is a Cash Back Credit Card?Cash back credit cards are simply credit cards with which you earn a little money every time you use them. The current leader in the field is the American Express Platinum Cashback card, which pays 5% cash back during the first three months. Afterward it drops, but overall, it has the most generous cash back program. With American Express, you can choose to have the cash back as a credit on your credit card statement once a year, or to have a check sent to you. One problem with American Express What Happens if my Credit Cards is Stolen?In the U.S., the Fair Credit Billing Act and the Electronic Fund Transfer Act spell out what you should do if your credit cards are lost or stolen. As soon as you know that your cards are missing, report them to the card issuers. Most issuers have toll-free 24-hour service for this situation. Make note on a calendar when the cards were lost, and when you reported them. You may need this information for future reference
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