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The Lottery Winning Number Specialist Astrologer at Love Solution Rashi can calculate the number of the luck all the people buy tickets of the lottery in the hope that might be lucky to win. Our astrologers can provide with numbers of the luck with the biggest possibility it will win, the favourable moment to gain the lottery based on the analysis of letter of birth and horoscope.

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Don't Fall into Deferred Interest Credit Cards over the Holidays or You'll Pay 27% More Interest.

America is a paradise for shoppers with a multitude of retail stores that offer foods, electronics, clothing and much more. The savvy shoppers often make a sport of looking for the best prices through sales, discounts offers, perks, interest-free deals and much more.

Many shoppers may prefer to use store cards instead of their everyday Visa card for shopping as many stores have their own cards and offer better deals. The holiday season is fast approaching and retail credit cards can really save some money and help counteract the ballooning effect that holiday gifts can have on their spending.

When checking out at a retail store we often come across stores offering 12 months or more free financing, if you apply for their credit card that very day. Chances are that you will be hearing this a lot more often if you accelerate your holiday shopping.

No doubt these financing offers are very tempting for holiday shoppers-and many take the bait-but are stores credit cards really a good deal? The answer is yes if it is used smartly , But before agreeing to apply for the store credit card there is one hidden trick you must be aware of otherwise your 'free financing' can backfire in a very big way and a common miss-step will end up paying 25% to 28% more interest on purchases you make .

According to WalletHub, the trouble arises due to deferred interest.

The difference between 0% Intro APR Cards and deferred interest cards

If you want to make a large purchase with a store credit like a home appliance you may qualify for special financing. Store Credit cards that offer free financing are 0% Intro APR cards and deferred interest cards.

You might reasonably assume that they work the same way, but they are different. You get 0% APR which will allow you to pay back the purchase money with no interest for a specified period such as 12 or 18 months. With Introductory 0% APR you will not be charged interest during the promotional period and interest will start to accrue only on the remaining balance. But on the other hand, differed interest cards are particularly dangerous. You will be charged interest not on the balance amount as in a 0% APR but interest will be charged on your entire purchase amount.

The Trouble with Deferred Interest Store Credit Cards

This is a feature which is commonly found in the fine print of 0% store financing offer plans and particularly dangerous. It is like a wolf in sheep's clothing as it pairs an enticing offer like 'no interest if paid in full' or 'special financing' with a clause that can turn sour. Many retailers do not disclose deferred interest clearly enough and if you make even the slightest mistake of not paying back the entire amount by the end of the interest-free period it can lead to some expensive post-holiday shopping season surprises.

With a deferred interest finance offers you must pay off the entire amount in full before the promotional free financing period is over. If you do not do so then you will have to pay the full amount of interest charges as if the interest rate was effective the whole time. The moment the promotional period is over the 'deferred' interest rates comes rolling back, not just the balance amount you owe but on the entire purchase amount.

Let us look at an example as to how much a deferred interest card can cost. If you had 12 months to pay off a purchase of $1,500 and you had paid $540(minimum payment of $45 dollars per month) at the end of the financing period. The store will then charge you 12 months of interest on the balance which will be a walloping $321 in interest and you owe the $960 balance on your purchase. Whew!

This is by far the biggest negative that is associated with credit cards. The interest rates of biggest retail-branded credit cards are often sky-high, with a standard 24.99% to 27.99% APR. In comparison the current average interest rate for all credit cards is 13.08% APR, according to the Federal Reserve.

So before using a 'deferred interest' store card you should plan to pay off the loan before the promotional period expires, as sometimes 'unexpected things occur and you may not be able to make the payment every month', says Bowne.

Avoiding getting surprised by the deferred interest

You can take advantage of zero percent finance offers by considering the following precautions:

. You should make sure you read the terms and conditions carefully to see if the card carries an annual fee, and what the go-to APR will be once deferred-interest promotion period expires.

. You can plan to have it paid off early by dividing the purchase price by 11 months instead of 12 months.

. Pay your balances each month by setting up the payment on auto pay and boost your chances of paying it off in time.

. You should avoid any extra trips to the store to avail of offers on 'card member' sales and only purchase what you want.

No doubt store credit cards offer you much better deals and discounts then typical cash back cards and you can save loads of money if you are a frequent shopper. But just remember not to leave a balance because 'deferred interest' will always destroy any savings and rewards the cards have offered.

About the Author:

My name is Zayna Kyle Steinsland a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair services in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

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While we all hope that we will never be in a situation where we can’t afford to keep up with our payments, things do happen. Rising debt can cause excessive stress, especially if you are facing financial hardship due to circumstances beyond your control like health issues, unemployment, sudden major expenses or any other change in income. Even if your financial hardship is temporary it does not mean it is easy to handle. Things can become tricky if you rely on your credit card to make ends meet on your bills. This strategy can greatly raise your debt and lower your credit score.

The good news is that assistance is available. Your card issuer likely offers an unadvertisedhardship programthat could give you the breathing space you need to dig out and get back on the road to good credit. Let us dive into what a credit card hardship plan is and how it might impact your credit in unexpected ways.

1.WHAT IS A HARDSHIP PLAN?

A hardship plan is also known as a credit card payment plan. It is offered by banks to provide immediate relief to customers who are dealing with a financial crisis and cannot make regular payments due to unforeseen circumstances. This plan allows a consumer to temporarily reduce monthly payments to a manageable level.

Hardship plans are either short-term (i.e. six months or one year), or permanent (till the card balance is paid). They often involve lowered interest rate, altered repayment plan, or a combination of the two. Some companies also waive certain late payment fees, over-limit charges, and the like.

2. WHO IS IT FOR?

You may be eligible to enroll in this type of plan if you are struggling to make your credit card payments each month and have some sort of financial hardshipgoing on in your life. The eligible hardships situations include:

.Major medical issues.

.Loss of employment.

.A death in the family.

.The breakup of a marriage.

.Unexpected home or automobile repair costs.

.Emergency event or natural disaster.

.HOW TO ENROLL:

The credit card companies typically do not advertise this benefit so it is you who should initiate it. Shore says that most creditors will have a phone number right on the statement which will not be obvious, but you should look for language along the lines “If you have problems paying your balance, call this number.” The number could connect you to the hardship departmentor, more likely, a customer service departmentthat will screen you. But, before you contact the company make sure you have organized your finances and know what kind of help you need. You must be honest with your credit card company about why you need to enroll in such a plan and offer details about your hardship (including the reasons), and how much you can afford to pay monthly and how long expect you expect the problems to last.

3. HOW IT CAN IMPACT YOUR CREDIT SCORE?

Just signing up for a hardship plan has no effect on your credit. However, figuring out how it will impact your credit while you are in it (and after)can be tricky. According to Barry Paperno, consumer operations manager for FICO, “It depends on how it appears on your credit report.” He says, that how the issuer will report your agreement to the credit bureaus is the first question that you ask.So, before you sign up for a payment plan, you should talk with your issuer about what note (if any) will be sent to credit bureaus.

Secondly, while you are participating in a hardship program there is a likelihood that your card company will close or suspend your account until your payment scheduled is complete. This can affect your credit scores by:

A. Increasing your credit utilization ratio. When an account is closed, you eliminate some of the available credit and your score will drop to reflect the increase in utilization ratio.

B. It will also affect the credit mix as FICO® rewards you for having a combination of credit cards, car payments, mortgage and other types of loans. So when a card is shut down your credit mixture changes and that could affect your scores.

C. It can also affect the length of credit history if your company closes one of your older cards when putting you on a payment plan. As a result, your average credit age will decrease, and your scores could go down. However, if you successfully complete your program, the initial dip in your credit scores could get your credit back to where you would like it to be. Here is why:

If you are signing up for a hardship program, it is likely that you have already missed some minimum payments on one or more of your credit cards. This means that you have already seen your credit scores decline.

Fortunately, if you stick to a hardship plan’s payment schedule you will rebuild your history of timely debt repayment. Your lender who reported your late payments to the credit bureaus will now report your consistent, on-time payments. This means good news for your scores.

Bottom line

Do you think a hardship plan is right for you?

Nitzche says “They are not right for everybody.”

If you are facing a relatively minor problem or a temporary financial crisis with just a few cards you can call up your credit card issuer and make your case. This could be a turning point in conquering your credit card debt.

However, if you are somebody who is struggling with being organized, have multiple creditors, or are intimidated by contacting all of them directly and feel that managing all individual payments is daunting then you should see a credit counselor and consider debt management.

About the Author:

My name is Jhaden Pearl Taylor a Financial Adviser at Zinu Credit Repair. It is a best credit repair services in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.

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Why Should You Contact an Immigration Lawyer?

When you are applying for a Visa to any country, you will need help and guidance decidingthe documentation you need and more. Though most of the information is available online on the websites of the agencies that process visa in your country, you might still need to visit an immigration lawyer Miami office that deals with migration work. This way, you can get any additional information that applies to your specific situation. Also, before applying for a visa to migrate to any country you will need to have a meeting with thebest Miami law firmsthat can tell you which type of visa suits your educational qualification and job requirements.

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Visa for work or pleasure

Even if you are going to visit Miami on a holiday visa, you need to fit certain criteria. Each country, like the United States, has different rules for immigrants from different nations regardingthe reason they are entering that country. The lawyers at your chosen immigration attorney Miamioffice will go through all your documents and let you know the percentage of the chance you have to get your visa. Also, if your chances are slim, they will advise you on the pointers you can focus on to improve your situation before applying for a visa again. If you need a visa foremployment and already have an offer letter from your employer, you will still need the advice of an immigration lawyer to apply for this process.

How a lawyer for visas can assist you:

If acquiring your visa is complex, then an Immigration Lawyer can help you through this process. For your unique case, he/she can give you suggestions on what can be done, what additional documents are required, etc. These lawyers are very similar to real estate lawyer Miami and they are professionals in their field.

A lawyer can also represent you during the visa process. You will have to pay them a fee to do this. They cantake care of the entire process for you. This way, the lawyer will provide you with all of that documents that are applicable to the country from which you are applying for your visa. Most of the immigration websites have standard information for applying for a visa, but if you need specific information, you will need to contact an immigration lawyer.

If you want to get more information about the immigration process and experts, then you can seekthe services of  immigration attorney Florida. Their job is to see that all the documents and forms that you have dutifully filled and submitted are correct, in order, and complete. They will represent you to show your best aspects to the visa authorities to help your visa get accepted. They take care of all the legal formalities required to process your request for a visa.

Contact an agent and make your immigration process a smooth ride. Professionals of Immigration are highly educated experts that can provide you with the best results for your specific case. So, why you are wasting your time? Go online and visit their website to get the best help in your immigration process.

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If there is an unstable economy in the state then the individual finds it tough to get a credit card. Whether it be a home loan or business loan, it becomes a bit harder to get it approved, due to bad credit score. The credit card company does look at multiple factors when they take up a decision.

Credit worthiness

It is also necessary to look up the credit worthiness, but some credit card companies do look into more detailing. Amount of debt that an individual has as his outstanding amount. It is a big factor to get a credit card. If you have a bad credit score then you might have to adapt a fast credit repair process to cover it up. Or else it will become tough to get access to a new card.

Payment History

Forwarding late payments is also another reason that falls hard on new credit cards. If once a people are late in making payments, then it is taken as mercy. But a regular one may make debtor fall into bad repute. During unstable economy, credit card companies do make some strict lending rules. During a raised economy one will not such harder situations to get a credit card.

Overall Credit Score

The overall credit score plays a major role in bringing out a credit card that one may have applied for. If the economic condition is rocky, credit score needs to higher to get a card. Outside the normal rule credit card companies have their own set of rules to maintain a stable economy.

Credit card companies do look into the financial history of individuals if they apply for a credit card. Maintaining a good credit rating will obviously have a better impact. You will be able to meet the uncertainty of economy. Alternatively, the safe way may be to apply for a new card after the uncertainty period gets over.

About the Author:

My name is Jenald Marie Caldwell a Financial Adviser at Zinu Credit Repair. It is a best credit repair services in USA. Helps you to fix bad credit. And offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. Please contact me. I am more than happy to serve you.

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With today's fast lifestyles credit cards are important for consumers and retailers because carrying cash or using checks are often more time consuming compared to retail electronic payment technology. Consumers have a lot of choices when it comes to credit cards like standard credit cards, premium credit cards and store credit cards.

There are many reasons why you would take out a store credit card. Whether you are just waiting in line at the shop to find out if you can save on that day?s shopping or the store offers you the promise of saving money in future, these cards will regularly find their way into your wallet (or phones via an app). Almost all big retailers offer their own cards which will allow you to take your purchases home with a very nice discount and without having to part with a penny at the cash counter.

These rewards and discounts are often tempting but can applying for a store credit card come back to bite you? Here is what you need to know about the upsides and downsides of using these cards and also the effect they will have on your credit scores.

Upsides of Store Credit Cards

Special Perks: The main benefit of store cards is that it offers an initial discount of 10% to 20% when you sign up and you may also get extra discounts the entire year if you shop at that retailer. Many store credit cards offer even more such as rewards programs which may feature other special benefits, such as bonus coupons, free shipping, free gift wrapping or free exclusive financing offers.

Easier Qualification: Store credit cards are specifically designed to work for individuals with all levels of credit quality. So if you do not want to apply for a secured card or are unable to qualify for a general-purpose credit card then a store credit card can be a good option. It also allows retailers to escalate their customer reach.

Retailer Discounts: Most retailers promote credit cards as a great way to save money. So, when you sign up for a store credit card you will not only receive an initial 10 -20 percent discount but may also be in line for extra discounts all year long.

Many stores may also offer you 0% interest on financing offers. They will give you twelve or eighteen months interest-free finance to pay off a major purchase with their credit card.

Store credit card holders are also the first to receive special coupons or gain access to exclusive sales events. Everyone loves saving money, but make sure that you do not overindulge and go on a spending spree.

Downsides of store credit cards.

Limited Use: Some retail credit cards may offer the same flexibility as a regular card, but most of them are closed-loop credit cards that are limited to purchases at that particular store or a chain of stores. In addition, these store credit cards may have a low spending limit and can impact your credit score.

Have a High-interest Rate: The biggest negative is that they always have high-interest rates. So, if you plan to carry a balance or have trouble staying within your budget store credit cards is not a responsible choice. According to a survey by CreditCards.com in 2016 the average APR on America's retail-branded credit cards had increased to almost 24 percent, which is far higher than the average for all credit cards (15.18%) The high APRs of typical store credit cards mean that you will have to pay hefty interest charges if you do not pay your balance before the end of the grace period and that would completely negate the 10-15 percent discount that you had received on your initial purchase.

They Encourage Debt: Another negative is the temptation to spend more when you have a retail credit card. Stores frequently offer cardholders? incentives like discounts, emails about sales and also rewards on your spending. Many retailers will continuously raise the credit limit of your card to increase your spending. You should follow the rules of spending only on what you can afford and keep the balance below 30% of the credit limit. If you are not disciplined with your spending you could easily find yourself in debt.

Potential misunderstanding: Generally when you sign up for a store credit card in-store you are not given a full explanation of all the terms and conditions at the point of sale. Typically you will be given a brochure with the credit card terms and you really may not have enough time to examine the costs of the card and compare it with other credit cards and be sure that you are getting a good deal.

How Store Credit Cards Affect Your Credit

People who are looking to establish or rebuild credit history may find a friend in retail store cards. If your credit score needs some polishing a store credit card can help you build credit. It is a great way to build credit as retail store card issuers normally approve people with lower credit scores. However, co-branded store cards are harder to qualify as people with higher credit scores will get lower interest rates.

When you apply for a new credit product like a store credit card, the issuer will perform a hard inquiry on your credit report. This is generally not harmful to your credit as many consumers will see only a temporary credit score hit of about five points. However, if you apply for several store credit cards at once it could be harmful to your credit rating especially if you have a short credit history or few accounts.

Your credit utilization ratio is one of the key factors that influence your credit scores. Store credit cards usually come with a low credit limit of about $500. So by using store credit cards, you can reach a credit utilization ratio of 30% with a purchase of just $150 dollars.

However, if you use your store credit card sparingly, keep a low balance and pay off your bills immediately, the available credit on your store card can drive down your utilization rate and increase your overall credit.

You can establish a credit history by using and paying off the bills on time and also reduce your debt-to-credit limit ratio by using it sparingly and keeping statement balances low. This makes up 30 percent of your credit score. It will also establish a pattern of good habits which in turn will boost your score.

Bottom Line

You can benefit from store credit cards if you are responsible and pay your balances each month. Still, you should take time to understand the advantages and drawbacks of store credit cards. You should also check out the other credit cards in the market to find out one with better rewards and lower interest rates.


About the Author:

My name is Jenald Marie Caldwell a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair agency in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

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Millennials (people aged 18-34) don’t fully understand what impacts a credit score than older generations but according to a recent study it does not stop them from trying to improve their credit. They check their credit scores most and are trying actively to build and improve their scores according to Discover’s 2018 Credit Survey of US consumers.

If your credit score is lower than what you would like it to be then you are not alone as credit scores are influenced by many factors like a long credit history (35%,), level of debt utilization(30%) the age of credit(15%) mix credit(10%) and credit inquiries(10%). It is hard for many millennials to meet these criteria. But the good news is that you can boost your credit score this year by taking some concrete steps. Here are five steps that you can try.

1.Check Your Credit Report for Mistakes

You need to check your credit reports from time to time to see that they do not have any damaging errors by getting a copy each from the three major credit bureaus. In a study by the Federal Trade Commission in 2013 it was found that one in four consumers had a mistake on their credit reports that could have an impact on their scores. One in a five had an error that a credit reporting agency corrected after a dispute.

In order to ensure that you do not have any damaging errors on your credit reports you should get a free copy from the three major credit bureaus; Equifax, Experian, and Trans Union at AnnualCreditReport.com. If you come across any errors you should submit a dispute online with the bureau that is reporting the error. You should explain why you believe the information is an error and provide details about what you are specifically disputing. (Including account numbers)

If there are big mistakes clearing them up could lead to a great improvement in your credit score.

2.Lower your Credit Utilization Ratio

The amount you owe measured by your credit utilization ratio will account for 30% of your credit score. It can be calculated by dividing the total amount of debt owed by a total amount of available credit. For example, if you have a credit card with a limit of $1,000 and your credit card balance is $200, then your credit utilization ratio is 20% for that credit card. According to Experian a lower credit utilization (using a small amount of credit loaned to you) is preferred. So if you pay off your debts in time you could boost your credit score. You should decrease your credit card debt as the amount you owe will make up 30% of your score and using too much of your credit can be a sign of repayment risk.

3.Do not Skip or Miss a Payment on a Credit Card.

Missing a payment or skipping even one payment on your credit card can lower your credit score and cause it to drop by 100 to 300 points according to Bruce McClary, spokesman for National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization. This misstep can take you about two years to restore your credit score. So the first thumb rule is to pay your bills on time as this factor makes up 35% of your credit score. You can avoid late payments going forward by setting up automatic payments from your credit cards and other bills.

4.Have a Long Credit History

Having a relatively long credit history affects 15% of your credit score. Millennials should not close credit card accounts they have opened several years ago as it shrinks a person’s available credit.

Your credit history can be longer if a relative who has a long and awesome credit history is willing to help you and can add you as an authorized user of one of their credit cards. This is one of the simplest and fastest way to boost your score. The old card will show up in your credit report and you can also get credit for the history of on-time payments This also means that you have access to your relatives line of credit and if you make purchases it will affect your relative’s credit utilization and it would be the ultimate responsibility of your relative for paying back what you borrow. So that means the relative needs to trust you to be responsible for your purchases. You can avoid purchases altogether –would be vital.

5.The Necessity of Credit Cards

One of the great ironies of earning a good credit score is that you must have credit to build credit. So having a credit payment history is very important as it accounts for 35% of your credit score. If you do not have a credit card do get one. You can open a credit card for small day-to-day purchases and it should be paid in full each month to build your credit history.

You need to have a mix of types of credit as it affects 10% of your FICO score. Having different types of credit accounts will also improve your score. In addition to a credit card if you have an auto loan or mortgage that you make on-time payments each month or another credit card pay off each month it will help you to improve your scores. Obtaining more credit cards at one time can lower your score more.

According to McBride’s you have to “keep your borrowing modest particularly if you have an existing car loan or student loan debt, ”and that “ paying bills on time , keeping debts modest and paying your debts in time accounts for almost two-thirds of your score”.

About the Author:

My name is Elizabeth Anderson a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair agency in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

Read more…

Credit Cards Impacts In Purchasing

Don't Fall into Deferred Interest Credit Cards over the Holidays or You'll Pay 27% More Interest.

America is a paradise for shoppers with a multitude of retail stores that offer foods, electronics, clothing and much more. The savvy shoppers often make a sport of looking for the best prices through sales, discounts offers, perks, interest-free deals and much more.

Many shoppers may prefer to use store cards instead of their everyday Visa card for shopping as many stores have their own cards and offer better deals. The holiday season is fast approaching and retail credit cards can really save some money and help counteract the ballooning effect that holiday gifts can have on their spending.

When checking out at a retail store we often come across stores offering 12 months or more free financing, if you apply for their credit card that very day. Chances are that you will be hearing this a lot more often if you accelerate your holiday shopping.

No doubt these financing offers are very tempting for holiday shoppers-and many take the bait-but are stores credit cards really a good deal? The answer is yes if it is used smartly , But before agreeing to apply for the store credit card there is one hidden trick you must be aware of otherwise your 'free financing' can backfire in a very big way and a common miss-step will end up paying 25% to 28% more interest on purchases you make .

According to WalletHub, the trouble arises due to deferred interest.

The difference between 0% Intro APR Cards and deferred interest cards

If you want to make a large purchase with a store credit like a home appliance you may qualify for special financing. Store Credit cards that offer free financing are 0% Intro APR cards and deferred interest cards.

You might reasonably assume that they work the same way, but they are different. You get 0% APR which will allow you to pay back the purchase money with no interest for a specified period such as 12 or 18 months. With Introductory 0% APR you will not be charged interest during the promotional period and interest will start to accrue only on the remaining balance. But on the other hand, differed interest cards are particularly dangerous. You will be charged interest not on the balance amount as in a 0% APR but interest will be charged on your entire purchase amount.

The Trouble with Deferred Interest Store Credit Cards

This is a feature which is commonly found in the fine print of 0% store financing offer plans and particularly dangerous. It is like a wolf in sheep's clothing as it pairs an enticing offer like 'no interest if paid in full' or 'special financing' with a clause that can turn sour. Many retailers do not disclose deferred interest clearly enough and if you make even the slightest mistake of not paying back the entire amount by the end of the interest-free period it can lead to some expensive post-holiday shopping season surprises.

With a deferred interest finance offers you must pay off the entire amount in full before the promotional free financing period is over. If you do not do so then you will have to pay the full amount of interest charges as if the interest rate was effective the whole time. The moment the promotional period is over the 'deferred' interest rates comes rolling back, not just the balance amount you owe but on the entire purchase amount.

Let us look at an example as to how much a deferred interest card can cost. If you had 12 months to pay off a purchase of $1,500 and you had paid $540(minimum payment of $45 dollars per month) at the end of the financing period. The store will then charge you 12 months of interest on the balance which will be a walloping $321 in interest and you owe the $960 balance on your purchase. Whew!

This is by far the biggest negative that is associated with credit cards. The interest rates of biggest retail-branded credit cards are often sky-high, with a standard 24.99% to 27.99% APR. In comparison the current average interest rate for all credit cards is 13.08% APR, according to the Federal Reserve.

So before using a 'deferred interest' store card you should plan to pay off the loan before the promotional period expires, as sometimes 'unexpected things occur and you may not be able to make the payment every month', says Bowne.

Avoiding getting surprised by the deferred interest

You can take advantage of zero percent finance offers by considering the following precautions:

a) You should make sure you read the terms and conditions carefully to see if the card carries an annual fee, and what the go-to APR will be once deferred-interest promotion period expires.

b) You can plan to have it paid off early by dividing the purchase price by 11 months instead of 12 months.

c) Pay your balances each month by setting up the payment on auto pay and boost your chances of paying it off in time.

d) You should avoid any extra trips to the store to avail of offers on 'card member' sales and only purchase what you want.

No doubt store credit cards offer you much better deals and discounts then typical cash back cards and you can save loads of money if you are a frequent shopper. But just remember not to leave a balance because 'deferred interest' will always destroy any savings and rewards the cards have offered.

About the Author:

My name is Elizabeth Anderson a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair services in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

Read more…

Credit Cards Influences In Shopping

Don't Fall into Deferred Interest Credit Cards over the Holidays or You'll Pay 27% More Interest.

America is a paradise for shoppers with a multitude of retail stores that offer foods, electronics, clothing and much more. The savvy shoppers often make a sport of looking for the best prices through sales, discounts offers, perks, interest-free deals and much more.

Many shoppers may prefer to use store cards instead of their everyday Visa card for shopping as many stores have their own cards and offer better deals. The holiday season is fast approaching and retail credit cards can really save some money and help counteract the ballooning effect that holiday gifts can have on their spending.

When checking out at a retail store we often come across stores offering 12 months or more free financing, if you apply for their credit card that very day. Chances are that you will be hearing this a lot more often if you accelerate your holiday shopping.

No doubt these financing offers are very tempting for holiday shoppers-and many take the bait-but are stores credit cards really a good deal? The answer is yes if it is used smartly , But before agreeing to apply for the store credit card there is one hidden trick you must be aware of otherwise your 'free financing' can backfire in a very big way and a common miss-step will end up paying 25% to 28% more interest on purchases you make .

According to WalletHub, the trouble arises due to deferred interest.

The difference between 0% Intro APR Cards and deferred interest cards

If you want to make a large purchase with a store credit like a home appliance you may qualify for special financing. Store Credit cards that offer free financing are 0% Intro APR cards and deferred interest cards.

You might reasonably assume that they work the same way, but they are different. You get 0% APR which will allow you to pay back the purchase money with no interest for a specified period such as 12 or 18 months. With Introductory 0% APR you will not be charged interest during the promotional period and interest will start to accrue only on the remaining balance. But on the other hand, differed interest cards are particularly dangerous. You will be charged interest not on the balance amount as in a 0% APR but interest will be charged on your entire purchase amount.

The Trouble with Deferred Interest Store Credit Cards

This is a feature which is commonly found in the fine print of 0% store financing offer plans and particularly dangerous. It is like a wolf in sheep's clothing as it pairs an enticing offer like 'no interest if paid in full' or 'special financing' with a clause that can turn sour. Many retailers do not disclose deferred interest clearly enough and if you make even the slightest mistake of not paying back the entire amount by the end of the interest-free period it can lead to some expensive post-holiday shopping season surprises.

With a deferred interest finance offers you must pay off the entire amount in full before the promotional free financing period is over. If you do not do so then you will have to pay the full amount of interest charges as if the interest rate was effective the whole time. The moment the promotional period is over the 'deferred' interest rates comes rolling back, not just the balance amount you owe but on the entire purchase amount.

Let us look at an example as to how much a deferred interest card can cost. If you had 12 months to pay off a purchase of $1,500 and you had paid $540(minimum payment of $45 dollars per month) at the end of the financing period. The store will then charge you 12 months of interest on the balance which will be a walloping $321 in interest and you owe the $960 balance on your purchase. Whew!

This is by far the biggest negative that is associated with credit cards. The interest rates of biggest retail-branded credit cards are often sky-high, with a standard 24.99% to 27.99% APR. In comparison the current average interest rate for all credit cards is 13.08% APR, according to the Federal Reserve.

So before using a 'deferred interest' store card you should plan to pay off the loan before the promotional period expires, as sometimes 'unexpected things occur and you may not be able to make the payment every month', says Bowne.

Avoiding getting surprised by the deferred interest

You can take advantage of zero percent finance offers by considering the following precautions:

. You should make sure you read the terms and conditions carefully to see if the card carries an annual fee, and what the go-to APR will be once deferred-interest promotion period expires.
. You can plan to have it paid off early by dividing the purchase price by 11 months instead of 12 months.
. Pay your balances each month by setting up the payment on auto pay and boost your chances of paying it off in time.
. You should avoid any extra trips to the store to avail of offers on 'card member' sales and only purchase what you want.

No doubt store credit cards offer you much better deals and discounts then typical cash back cards and you can save loads of money if you are a frequent shopper. But just remember not to leave a balance because 'deferred interest' will always destroy any savings and rewards the cards have offered.

About the Author:

My name is Maryann Garland a Financial Adviser at Zinu Credit Repair. It is a legitimate credit repair services in US. That offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. If you are looking for the best credit repair company in your area. Please contact me.

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Advice On The Vasectomy Reversal

There might come a time in a man’s life when he does not want to have any more children. That is when he might take some drastic measures and have a vasectomy. This is a rather heavy decision to have to make.

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Back pain can range from a small constant discomfort to a sudden sharp pain that makes movement difficult.  On the contrary, cervicalgia is not such a frequent disorder, although it does produce considerable discomfort and pain. Chronic pain is less frequent than low back pain, and cervical pain. But this type of issue can be dissolve with help of Back And Spine Specialist

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How does back pain affect you?

If you have back pain it may be difficult for you to perform certain activities, so you may have interrupted your daily life and reduced your quality of life. Movements such as climbing stairs, lifting heavy objects could be complicated, and you could feel tingling or numbness when moving or standing still.

Symptom of back pain

Among the symptoms of back pain is muscular discomfort, throbbing pain, pain that radiates down the leg limiting flexibility or range of back movements. It may feel like a kind of tingling or burning, mild discomfort or severe pain.

Depending on the cause of the pain in each person, you can also feel discomfort in the leg, hip or sole of the foot, as well as experiencing symptoms of weakness in the legs and feet.

Diagnosis of back pain

The diagnosis of pain corresponds to the Back and Spine Doctor. In cases in which the back pain lasts for more than 6 weeks or does not improve with rest, it is especially important to consult with your Back and Spine Doctors Near Me.

Initial treatments for strains of the back muscles

Typical first-line treatments include some combination of:

  • Pain medications to stop the transmission of pain signals to the brain as prescribe by Back And Spine Specialist Near Me
  • Anti-inflammatory medications to reduce local inflammation that is a cause of pain
  • Muscle relaxants, which can be prescribed by Back Spine Doctor. This help for a short time to relieve low back pain associated with muscle spasms.
  • Massages, which can help increase blood flow in the lower back, loosen the contracted muscles of the back and release endorphins, the body's natural painkillers.
  • Gentle manual manipulation is an option to help loosen the tight muscles of the back and make it easier for the lower back to heal.

Back exercises as treatments for back pain

As a general rule, people who are active and in good physical condition are much less likely to suffer low back pain. Since regular exercise lengthens the muscles and is less likely to suffer from strains, tears or spasms.

Types of muscles that hold the spine:

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  • Flexors
  • Obliques or rotators

While some of these muscles are used in daily life, most do not get enough exercise with daily activities and have to weaken with age unless they are exercised specifically.

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  • Exercises to strengthen the back
  • Low-impact aerobic exercise

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