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Member You - A Credit Card Glossary of Terms
To perform well in life, you must have very clear goalsThe good book says that a person who is not focused is like a ship without a rudder or a sail boat that drifts wherever the wind takes it.Having clear goals is very essential when you plan to start your own business.Setting goals is more than just wishful thinking. If you think you can succeed just b
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate
Affiliate Marketing is one of the greatest Ways to Make Money Online. Many people however think that its rocket science and to hard to even contemplate. The truth is it is really quite simple and almost anybody can do it.To put it simply, an Affiliate Marketer is someone who sells other peoples products or services, and in turn gets paid a commission for referring the
Affinity card
A credit card that makes a donation to a charity of your choice based up on how much you spend. In most cases it's best to avoid a charity that encourages you to sign up for such a card. Chances are such a credit card has a higher interest rate than the standard. Don't let guilt cloud your judgement.
APR (Annual Percentage Rate)
calculated yearly this is your overall interest rate presented as a percentage of your credit card balance.
ATM (Automated Teller Machine)
A cash machine. Utilized to withdraw money direct from your credit card, although in general a fee will also be charged.
Balance transfer
When you transfer your debt ‘balance’ from one credit card to another. The usual reason for this is to try and keep as much debt as possible on a lower-interest card.
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate
School will soon be out for the summer. In some ways, I am tired of the daily grind up getting up, coaxing children to eat, fighting them into clothes and running to the bus with just seconds to spare. On the other hand, my business hours are about to have an atomic bomb dropped on them. Phone calls become completely impossible as does 5 minutes of quiet thinking time to fin
Affinity card
A credit card that makes a donation to a charity of your choice based up on how much you spend. In most cases it's best to avoid a charity that encourages you to sign up for such a card. Chances are such a credit card has a higher interest rate than the standard. Don't let guilt cloud your judgement.
APR (Annual Percentage Rate)
calculated yearly this is your overall interest rate presented as a percentage of your credit card balance.
ATM (Automated Teller Machine)
A cash machine. Utilized to withdraw money direct from your credit card, although in general a fee will also be charged.
Balance transfer
When you transfer your debt ‘balance’ from one credit card to another. The usual reason for this is to try and keep as much debt as possible on a lower-interest card.
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate
With the internet still in its infancy stage, there is always the next big thing when it comes to advertising. The first one was e-mail marketing, the people that started e-mail marketing in the very beginning have made and will continue to make loads of money. If done properly with no spam and with a highly targeted list, as long as you have a solid product, e mail advert
APR (Annual Percentage Rate)
calculated yearly this is your overall interest rate presented as a percentage of your credit card balance.
ATM (Automated Teller Machine)
A cash machine. Utilized to withdraw money direct from your credit card, although in general a fee will also be charged.
Balance transfer
When you transfer your debt ‘balance’ from one credit card to another. The usual reason for this is to try and keep as much debt as possible on a lower-interest card.
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate
In the consumer marketplace, people may pay extra for a designer label, a recognized brand or products with celebrity endorsements. When a business invests in capital equipment, however, all the above becomes meaningless unless the equipment performs, meeting or exceeding expectations. While price, delivery and aesthetics are the usual factors people claim as the primary cri
Balance transfer
When you transfer your debt ‘balance’ from one credit card to another. The usual reason for this is to try and keep as much debt as possible on a lower-interest card.
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate
I spend a great deal of my time dealing with highly sensitive, highly confidential information. Over the years I have noticed that many of the institutions I have worked with have gone to great pains and considerable expense to make certain their computer systems have state of the art firewalls and "hacker-proof" encoding systems. Nonetheless, they continue to leak data like
Credit limit
Your credit limit is the maximum amount you can spend or withdraw on your credit card. Spending beyond your credit limit will result in your card no longer being accepted, and you being charged an over-limit fee.
Fixed rate
A fixed rate credit card is one which indicates that you are given a fixed rate on sign up which should stay the same for the period you have the credit card. In practice though interest rates can be changed for almost any reason.
Grace period
The grace period is the amount of time between your spending with the credit card and the time when you start paying interest on that spending. The best credit cards can have a grace period of up to two months, poorer cards may not have one at all.
Minimum payment
The minimum payment is the lowest amount you can pay back to the credit card company each month. You always try to pay more although this is not necessary. Paying only the minimum amount you are not paying back the money borrowed but only the interest. Minimum payments are usually around 2% of your balance.
Sub-prime
A phrase used in the finance industry to describe customers who are a bad credit risk, but are considered worth lending to as the bad credit risk allows the finance company to charge higher fees.
Teaser rate
A ‘special offer’ low rate. You will see
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