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The Perilous Nature of Credit Card Rates
By Morgan Hamilton
Do you use credit cards? Almost everyone these days do. Using them can be really convenient, especially if you’re not comfortable with carrying a lot of cash. The modern world can be quite dangerous Read more...
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Resources
Credit Card Fool
By Thomas A. Martucci
We allow the credit card industry to make fools of us and we do nothing about it. If someone told you that you were being made a fool of, wouldn’t you address the issue? I know I would. Read more...
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Resources
Business Credit Cards Can Offer Business Solutions
By Morgan Hamilton
It would be to your advantage to look into business credit cards if you are a small business owner. These credit cards will allow you to keep personal and business expenses separate. This will make Read more...
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#Welcome to
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The Importance of Using Student Credit Cards Wisely
By Morgan Hamilton
Are you familiar with student cards? These cards are meant for college students, and are easier to get than regular cards. They can help a student establish credit, but they can also bring problems to careless students.
Student cards can be a source of temptation for college students. Young adults can be easily tempted to buy unnecessary things with their card, even if they do not have the money to pay for it. Eventually the balance they charged for their shopping sprees must be paid back.
If a college student is unable to pay the full amount within a certain period of time, interest will be charged. Credit card companies charge interest at a percentage of the over due balance. For instance, if a student has a $100 balance and the card company charges a 15% interest rate, the student now owes $115 to the card company.
The interest keeps adding up and eventually the student may end up paying only the interest, and their card balance is never going to be paid off. That is why the parents of college students should first explain the proper use of student cards to their children, before they allow them to get cards.
There are also a few things that should be examined before students choose a particular card. It is important
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to check the annual fee of student cards. An annual fee is a lump sum that some card companies charge to their card every year.
It would also be wise to look at the interest rate and other fees of student cards. There are cases where the interest charges can send a card over the limit. This will cause extra fees, and the student will be unable to use the card. Students should pay attention to the different terms and conditions of student cards, so that they can determine the particular card that is best for them.
Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Student Credit Cards
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