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Rebecca Spitzer - ArticlesWhy Owning a 0% APR Card Could Spell DisasterAlmost everyone gets the offers in the mail for credit cards that claim to provide 0 percent interest. These offers are incredibly tempting, and on the surface they look like a good idea. You could transfer your outstanding balances, buy that big ticket item you've had your eye on, and get free interest for up to a year. What's Your Credit Score? Not Knowing Could Cost YouWhen you go online and apply for a credit card, how can you get your results in a matter of seconds? The answer is your credit score. This little number packs a big punch and can make the difference between getting approved for a car loan, a great rate on your mortgage, or getting turned down for everything credit related that you apply for in life. Why Credit Bureaus Are Ripping You Off...And How to Beat ThemWhen you pay your credit card bills, your loan balance, or your medical bills, this information is recorded and sent to credit reporting agencies, or credit bureaus. It is their job to keep track of your credit history and other information about your life, such as where you have lived, where you work, your marital status, and any legal action taken against you 5 Cons of Owning a 0 APR Credit CardIf you have received an offer recently for a 0 APR credit card, you may have been very tempted to send in the form signed and ready to go. You may have seen the words "0 percent interest" and jumped at the chance to shop for six months with impunity 5 Pros of Owning a 0 APR Credit CardWhen you get the offer in the mail for a 0 APR credit card, you may be tempted to throw it out, thinking that it is too good to be true. But before you toss it in the circular file, take a good look at it. Why Paying Your Income Taxes with a Credit Card Is a Rip OffIf you own your own business or have not been deducting enough from your paychecks each week, you will probably owe some income taxes when tax time rolls around. This is never fun, and if you do not have the money in your checking account right now, you might be tempted to pay the taxes with your credit card. A word of advice: don't. How Credit Card Issuers Use the Prime RateWhen you get a credit card offer in the mail that says you are pre-approved, what is the first thing you look at on the letter? The interest rate, right? And when you get an offer from a credit card company after filling out an application either through the mail or online, what is the first thing you want to know? The interest rate. 5 Things You Should Know About 0 APR Credit Card OffersIf you have received one of these offers in the mail, you know how tempting they can be. They claim that you will pay no interest on any purchases or balance transfers in the first period of owning your card. But there are some things about these offers you need to know before you sign on the dotted line and let them pull your credit report. How to Improve Your Credit Score under the New VantageScore SystemPoor credit is such a common thing among Americans that the three major credit bureaus have introduced a method for helping consumers to get out of debt. The VantageScore system was introduced in March of 2006 and made available to all merchants who report to the three major credit agencies. After You Apply for a No Credit Credit Card, Use It Wisely: Here's HowWhen you are first establishing your credit, you can make a huge difference in the quality of your credit report with some seemingly insignificant actions. Your credit report contains information that is used to create your credit score.
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