Credit Cards Cheap – Page 3 – Your guide to the right credit card since 2003

January 13October 5

What is a secured credit card and how does it differ from regular credit cards and prepaid cards?
A secured credit card is an option for a person to build or rebuild his or her credit. Furthermore, a secured credit card provides the opportunity for consumers to gain access to certain services such as renting a car or hotel room. Secured credit cards differ from traditional credit cards in that a deposit is required to serve as the consumer’s credit line whereas with traditional credit cards, the consumer’s credit line is collateral free and based partly upon their credit and payment history. Secured credit cards differ from prepaid credit cards as well. With prepaid cards, there is no required credit history check and the consumer’s credit line is limited to what the consumer has previously paid, or loaded, on the credit card. On the other hand, a secured credit card requires its user to open a savings account which will serve as his or her credit line. The consumer will then continue utilizing the secured credit card as a traditional credit card; in the event the secured credit card user defaults on his or her credit card payment, the user’s savings account will be used as collateral.

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November 15October 5

Credit Cards For People With Bad Credit

Author: Sunny Kesh

Bad Credit is a term used to describe someone who is considered a “high risk” to lenders and other finance companies such as factors.

People with bad credit can still get a credit card. You’ll just pay more as result of higher interest rate, and the terms of your card deal will be much stiffer than the average cardholder has to deal with. Before applying for Credit cards for bad credit … let us understand what does bad credit really means and then we’ll look into obtaining credit cards with bad credit

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November 14October 5

Looming credit card debt may be next crisis

By Jonathan Spicer

NEW YORK (Reuters) – Top financial executives see no quick end to the global economic storm, warning this week that the current crisis could hold more surprises due to looming credit card debt.

The United States is leading the world into a recession, and perhaps worse, and executives at the Reuters Global Finance Summit said it was hard to make any predictions due to a dire mix of bruised markets, strained governments, and a worried public.

But some things are clear.

“You have to believe that we have frightened the American consumer pretty deeply here,” said Ed Clark, chief executive of Toronto-Dominion Bank (TD.TO: Quote, Profile, Research, Stock Buzz), North America’s seventh-largest bank.

“It’s hard not to believe that they’re not going to go on strike for a period of time,” he told the Reuters Summit. “And it’s hard to see the positive element that’s going to save us from having a deep recession,”

Executives told the Reuters Summit the mortgage-inspired crisis infecting markets will likely be followed by even bigger problems borne out of growing credit card debt.

A credit card crisis “is waiting in the wings,” said John Whitehead, former chairman of Goldman Sachs Group Inc (GS.N: Quote, Profile, Research, Stock Buzz) and former U.S. Deputy Secretary of State under President Ronald Reagan.

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