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Balance Transfer Credit Cards And Credit Cards For Bad Credit

Virtually every body knows that uncomfortable sensation of having several credit cards, a few of them with an elevated interest rate, and heavy payments. It's not too difficult to understand how this can happen - auto problems, the family needing money, unexpected job loss or just the desire to give the family a good vacation, can all send us a little too far financially. Applying for a loan to repay a credit card account is a bad tactic.

Balance Transfer Credit Cards

You might think that the last thing you should apply for at this time is yet another credit card, even one of those best reward credit cards, right? Ordinarily, this is correct, but it all depends on the kind of credit card we apply for. In the first instance, get all your cards together and work out in total what you presently owe. When you've done this, add up all your monthly payments and give yourself a goal like 'I want to halve these monthly payments', for example. This is your task - to get a better balance transfer credit card, perhaps with a different supplier, and ensuring that in in the process your monthly payments will be less. Sounds too easy? Well, it shouldn't be so hard, specially if you have been making regular monthly payments on your current card up to this point.

Most credit card companies also have incentives to convince consumers to transfer their balances to their cards. These rewards can be a cash rebate or points exchangeable for products, or redeemable for airplane tickets. Set your goals, investigate as many cards as possible and make your choice cautiously.

Credit Cards For Bad Credit

In these difficult financial times it isn't unusual for someone's credit score to suffer. The cause could be a number of events, from small loan late payments, to a total payment default on a house loan. Of course, this has an effect when making out applications for new credit cards, but it needn't be always totally disastrous - there are issuers who will issue cards in such circumstances and a successful application may often depend upon the default circumstances.

What is the success rate of a person with a reduced credit rating applying for a credit card? Without doubt, there are less successful applications for a credit card with bad credit nowadays than in the past, due to the economic climate and lack of job security, but we all need to live and operate normally in society - careful use of a credit card may be a practical part of our living style, if we use them in the right way.

Before finding, and then making out the application for a credit card, did you know that you can write a 100 word explanation and add it to your credit report? The 'Fair Credit Reporting Act' specifies that it's permissible to add a some sentences relating the circumstances surrounding any loan default, which could have a good impact on your application.

About Author Peter Bruce :

Peter Bruce is a freelance journalist operating out of Toulouse in France. Subjects include <a href="" target="_blank">best reward credit cards</a> and <a href="" target="_blank">credit cards for bad credit</a>.

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Article Added on Wednesday, September 28, 2011
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