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Do you ever toy with the idea of paying off your credit card debt slowly rather than paying your balance off in full? It can be appealing. After all, someone’s giving you what feels like free money to go out and buy what you want right now even if you can’t afford it right now. As long as you make minimum payments each month, they’ll be happy and all will be right with the world, right? Not quite.

Have you ever really thought about how much your credit card debt would actually cost if you paid it off slowly? How long it could take might surprise you. The amount of interest you’ll pay over time could downright shock you. Don’t give the credit card companies the upper hand. Before deciding to settle into long-term credit card debt, consider the following question:

Is any purchase worth a lifetime of debt?

A lifetime of debt could be precisely what you’re in for if you pay only your minimum payments on your credit card debt. While you can certainly minimise the damage by paying more of your debt off each month, let’s take a look at a worst-case scenario and what different current debt levels could actually cost you before they’re paid off.

In this example, let’s pretend you have a credit card that charges 17.99% interest on purchases, like the Woolworths Everyday Money card. Because you’re ca

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Tags: Card Debt, Credit Card, Credit Card Debt, Debt

It is true. First-world countries like the United States of America could never be the same without the almighty credit card. According to research studies, an average American family maintains at least eight (8) credit cards, with emphasis on “at least.” Having a card is a staple in the American lifestyle. Research studies, however, have another alarming finding: the fact that most credit card holders are in debt, or are having problems with credit card companies.

One dilemma for credit card holders is the incredibly high rates that companies prescribe for consumers. It is a fact that most card applicants overlook the Annual Percentage Rate (APR) of a card because other features seem to be more important. For example, a 5% cash back incentive, and welcome gifts (a pair of Ray Ban wayfarers or a Prada purse) will surely be noticed more than an APR that dictates a whopping 22.99%. The result is that most card holders end up with cards that have expensive APRs.

Yes, this credit card game could indeed be nasty. However, it is not necessary to give up on the wonder of credit cards just yet. You

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Tags: Card, Credit Card

Scouting for the right credit card for your business can be a challenge especially with all the great deals advertised in the market. Obviously, the ads only highlight the best about a credit card. In order to compare effectively, we need to take a closer look and go beyond the marketing hype. In this article, let’s talk about important points that we should consider when looking for a small business credit card.

A credit card that matches your company’s needs. Think about the specific needs of your company. Do you need to distribute employee cards? Do you need a credit card that offers rewards? Do you need a higher credit line? Do you need to use checks to pay your suppliers every once in a while? Is the credit card really designed for smaller businesses?

A business credit card with low or fair interest rate. Everybody wants a low rate card. Why put up with a high-rate card when you can find one with the same features yet with a lower interest rate? A lot of issuers offer a good rate to attract new customers. Com

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Tags: Card, Credit Card

The Chase Freedom Credit Card is designed to catch the attention of those who are seeking a cash back card. This card offers cash back on purchases such as gas, groceries and fast food. In addition, if you are an online shopper this card is part of the Chase Rewards Plus program that offers up to 10% cash back when shopping online. With this card there are no annual fees and a 0% Intro APR. Check out some of the details below to see if this card is right for you.

$50 Cash Back

You will receive $50 in bonus rebates with this bonus offer, which can be redeemed for a $50 check. You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus rebates to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts.

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Tags: Back, Cash Back, Credit Card, Freedom Credit Card

Do you want a credit card that gives you travel perks and a chance to earn frequent flyer points? Are you sick and tired of paying high annual fees for frequent flyer cards and other rewards cards though? If you answered “yes” to both of those questions, you might find exactly what you’re looking for with the American Express Blue Sky credit card. Not only do you earn frequent flyer points, but they can be redeemed with multiple airlines, have far fewer limits and restrictions than other frequent flyer cards, and you’ll get all of that with no annual fee!

Find out more about the American Express Blue Sky credit card below and discover how much you can really get from your next frequent flyer card.

Type of Credit Card: Rewards card / No annual fee card

Interest Rates*: The American Express Blue Sky credit card is subject to a 19.99% APR.

Annual Fee*: Even though the Blue Sky card might have a relatively high interest rate, a surprising feature is its lack of an annual fee. Whereas

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Tags: Card, Credit Card