Read and Understand Your Credit Card Statement
Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don't take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you?.right on your credit report, and once there can stay with you a while.Adding to the challenge is that almost every creditor's statement is slightly different, varying in format and billing cycle and interest calculations. You first want to check what you purchased and what you borrowed, so make sure you save all your receipts to make sure you weren't charged for something you didn't buy or were double billed. Immediately dispute any discrepancies via phone and in writing.Next you'll want to verify the interest rates being applied for each type of purchase. Remember, cash advances almost always carry a higher interest than normal purchases and interest usually accrues from the date you received the money. Also, if you have any balance transfers with introductory interest rates, verify that it is correctly noted and hasn't been increased prematurely.Review how your interest is calculated (this information is usually on the back of your statement) and make sure that the right rate has been used for each category.
On purchases, most cards take your average daily balance over the billing cycle and divide it by one-twelfth of your annual percentage rate (APR).Lastly, but maybe most importantly, make sure you send your payment in well before the due date. In order to have your payment credited on time to avoid a late fee, it must be posted by the due date shown on the statement. Therefore, if paying by mail, it is advisable to mail your payment at least a week in advance. For those whose cash flow doesn't allow an early remittance, paying by phone or on-line might be a good alternative..
The Credit Counseling Foundation, Inc provides web-based education and personalized consumer credit counseling to clients and the general public in an effort to help consumers use credit wisely. Visit us at www.godebtfree.comMercator Advisory Group Releases New Report: Off-Premise ATMs: Fighting for Merchant Floor Space in the Age of Cash Back
(ContentDesk) January 22 2004--Off-premise ATM Deployment: Fighting for Merchant Floor Space in the Age of Cash Back provides the reader facts that demonstrate how ISO organizations have broken the unwritten law that states ATMs cannot be profitable below 300 transactions a month.
Additional facts in the research report show that the ATM market is not saturated from too many ATMs, but is instead suffering from a major shift in consumer behavior, away from the ATM and towards cash back at the point-of-sale.
This trend reduces the consumer need for ATMs and effectively shrinks the ATM market.
Tim Sloane, Director of the Debit Advisory Service, states that "Financial Institutions are deploying off-premise ATMs that incorporate new services that include ticket printing, couplons, and mobile phone top-ups, that generate additional ATM revenue but fail to address the merchant's larger need for increased foot traffic and repeat business.
If ATM suppliers...
Cash advance > Mercator Advisory Group Releases New Report: Off-Premise ATMs: Fighting for Merchant Floor Space in the Age of Cash Back
Canadian Broadcaster Exposes $100,000 Cash Reward for Return of Loch Ness Monster Tooth a Publicity Stunt And Hoax
(ContentDesk) June 4, 2005 -- Rob McConnell, host and executive producer of the internationally syndicated late night talk show The ?X' Zone Radio Show (broadcast Live Monday ? Friday from 10 pm ? 2 am Eastern and on Saturday from 1 pm ? 3 pm Eastern on the TalkStar Radio Network ? www.talkstarradio.com) has once again exposed yet another hoax being committed in the world of the paranormal and the science of parapsychology.On Tuesday, May 31, Bill McDonald a self proclaimed paranormal researcher was a guest on The ?X' Zone Radio Show and he claimed that two American college students who were spending part of their 2005 March Break in Scotland had hired a local guide and his boat to take them on a tour of the famed Loch Ness so they could take photos of the shore from the Loch.It was during the photo tour that the boys saw a half eaten carcass of a deer on the shore. Imbedded in the ribs of the carcass was what McDonald...
Canadian Broadcaster Exposes $100,000 Cash Reward for Return of Loch Ness Monster Tooth a Publicity Stunt And Hoax
Cash advance > Canadian Broadcaster Exposes $100,000 Cash Reward for Return of Loch Ness Monster Tooth a Publicity Stunt And Hoax
Mercator Advisory Group Releases New Report: Off-Premise ATMs: Fighting for Merchant Floor Space in the Age of Cash Back
(ContentDesk) January 22 2004--Off-premise ATM Deployment: Fighting for Merchant Floor Space in the Age of Cash Back provides the reader facts that demonstrate how ISO organizations have broken the unwritten law that states ATMs cannot be profitable below 300 transactions a month.
Additional facts in the research report show that the ATM market is not saturated from too many ATMs, but is instead suffering from a major shift in consumer behavior, away from the ATM and towards cash back at the point-of-sale.
This trend reduces the consumer need for ATMs and effectively shrinks the ATM market.
Tim Sloane, Director of the Debit Advisory Service, states that "Financial Institutions are deploying off-premise ATMs that incorporate new services that include ticket printing, couplons, and mobile phone top-ups, that generate additional ATM revenue but fail to address the merchant's larger need for increased foot traffic and repeat business.
If ATM suppliers...
Cash advance > Mercator Advisory Group Releases New Report: Off-Premise ATMs: Fighting for Merchant Floor Space in the Age of Cash Back
New Paintings Released by Cash Art Studio - Phet and Duane Cash Paintings Flourish on the Internet
Cash Art Studio released new works of art to their online gallery and art store at Cash Art Studio (http://www.cashartstudio.com).
The popular art couple are pleased with the new additions to their store and hope the works will appeal to those looking for art to decorate of the walls of their modern and contemporary homes this summer.The new works are listed below along with their respective links:"Delicious Apples" by Duane Cashhttp://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&category=20129&item=3728834151"Tropical Dawn" by Duane Cashhttp://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&category=20158&item=3729178997"Hills of Spring Meadow" by Duane CashNew Paintings Released by Cash Art Studio - Phet and Duane Cash Paintings Flourish on the Internet
Cash advance > New Paintings Released by Cash Art Studio - Phet and Duane Cash Paintings Flourish on the Internet
Buying Cheap Hawaiian Shirts
Because Hawaiian shirts are so popular, many new manufacturers have entered the Hawaiian shirt market. With so many companies selling these popular items, it is not hard to find cheap Hawaiian shirts. When buying a cheap Hawaiian shirt, however, the buyer should make sure that it is cheap only in price, not in quality.
Many high-quality, 100-percent cotton shirts can be found for as little as $10. These shirts are so deeply discounted because they are manufactured in extremely large...
Cash advance > Buying Cheap Hawaiian Shirts
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