Credit Cards Bankruptcy

Bankruptcy Credit Cards -How to Get the Best

Bankruptcy credit cards - How do I get one?
What to look for when choosing.

A bankruptcy credit card is basically a card that you can get despite bad credit.

You are probably finding it difficult to build up your credit rating again after filing bankruptcy. The major reason for your difficulty is that most of the major companies will not offer you a credit card or other loan due to your past credit history.

There are some companies that will offer bankruptcy credit cards. Essentially, these are credit cards for people with poor, no, or bad credit.

Should I get a credit card if I have filed bankruptcy?

Ask yourself:
Can I handle having a credit card?
Did credit card debt get you into this mess to begin with?
If it did, how have YOU changed?

It's difficult to get along in today's world without a credit card. The most legitimate reason to need a credit card after bankruptcy is for emergencies. Finance experts recommend we keep 6 months of savings. This is great advice but unrealistic for someone just out of bankruptcy.

If you filed a chapter 7 bankruptcy, chances are all your assets were wiped out to pay your creditors - especially cash. In a chapter 13 bankruptcy, your repayment plan may be so tight that you have little left over to save. Without money saved how do you handle emergencies or sudden expenses?

Can you get a credit card after bankruptcy? Absolutely!

It really isn’t that hard. You'll probably get many credit card offers in the mail within days of your bankruptcy. The real catch though is that most of these are total junk. These credit card offers are betting on one thing: that you are desperate.

By examining these offers closely you will find that they want hundreds of dollars in fees. There are monthly fees, annual fees, membership fees, applications fees, and just-for-the-hell-of-it fees.

My advice for you is to slow down, back up, and wait!

Ignore those offers. You will eventually get better ones. Wait a couple months and you'll be happily surprised to find good deals out there such as credit cards with no annual fees at all.

This is what you want. Then when you get your new card use it wisely. Don’t buy junk you don’t need and pay it back every month!

Would you like to learn a whole lot more about the credit card industry?
Do you need a credit card?
Would you like to make the money from credit cards that the banks do?
I invite you to
send me an email.
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It's an autoresponder and you can opt out anytime.

While you're there download my free pdf to take a look at how
you can beat the banks at their own game.

This article may not be reproduced without including Kay Schwartz as author and
the inclusion of this URL http://credit-cards-easy-to-get.blogspot.com

Credit Cards - Lowest Interest

Credit cards – lowest interest should be what you are looking for because low interest credit cards are powerful ammunition to have in your wallet.

Low interest credit cards make a pile of money available to you without being charged an arm and a leg for it. This makes it easier for you to manage your budget without getting further in debt.

Low interest credit cards allow you to save money on everything that you buy. You can use your card with the lowest interest rate for every day purchases, such as groceries or gas, or on the more expensive things such as vacations or new appliances. When you are paying on a lower interest rate on low interest credit cards you are always paying less.

The top three benefits of having the lowest interest credit card:

1. While making lower payments you can pay off purchases in a shorter time.
2. Save money on all purchases.
3. When buying larger purchases your card can act like a personal loan.


When you apply for a low interest credit card make sure it is not just an introductory offer. You want the low interest to be permanent for the life of the card.

Do you have more questions about credit cards lowest interest that we offer? Do you need help getting a credit card? Would you like to make the money from credit cards that the banks do? I invite you to
send me an email.
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Credit Cards Lowest Interest

Credit Cards Lowest Interest - Watch Out!

Low Interest Rate Credit Cards Tips. Give yourself
a financial boost.

Using credit cards with lowest interest rates sounds great.
Consolidate your debts.You will save money on interest
and could lower your total monthly debt payments as well.

There are many advantages to using these cards on balance
transfers or purchases. These cards come with as little as
a 0% annual percentage rate (APR).

Be careful. Look further.

How long does the 0% interest last? Long enough for you
to pay off those past debts?

What is the interest rate after the introductory time is
up? Does it balance out?

Could you do better with a no balance transfer card but
one that has a lower APR throughout?

Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.

Credit Cards Bankruptcy - How to Get the Best

Credit cards bankruptcy - How do I get one?
What to look for when choosing.

A bankruptcy credit card is basically a card that
you can get despite bad credit.

You are probably finding it difficult to build up
your credit rating again after filing bankruptcy.
The major reason for your difficulty is that most
of the major companies will not offer you a credit
card or other loan due to your past credit history.

There are a few things that you can do in order to
lessen the effect that the bankruptcy has on your
credit now, but one of those options (waiting until
it is no longer on your credit report) is not a good
idea if you need a credit card now.

There are some companies that will offer bankruptcy
credit cards. Essentially, these are credit cards
for people with poor, no, or bad credit. You can
improve your credit by getting one of these credit
cards. By paying off your debt on the credit card,
you can build up your credit report so that you'll
be able to get loans and other credit cards in the
future.

Should I get a credit card if I have filed bankruptcy?

Ask yourself: "Can I handle having a credit card?"
Did credit card debt get you into this mess to begin
with? If it did, how have YOU changed? Let's be realistic.
It's difficult to get along in today's world without a
credit card. Some needs are car and hotel reservations,
buying things on the internet, and emergencies.

The most legitimate reason to need a credit card after
bankruptcy is for emergencies. Finance experts recommend
we keep 6 months of savings. This is great advice but
unrealistic for someone just out of bankruptcy.

If you filed a chapter 7 bankruptcy, chances are all
your assets were wiped out to pay your creditors -
especially cash. In a chapter 13 bankruptcy, your
repayment plan may be so tight that you have little
left over to save. Without money saved how do you
handle emergencies or sudden expenses? Blown out
tires, an emergency trip, or a call to the plumber
can wipe you out.

Can you get a credit card after bankruptcy?

Absolutely! It really isn’t that hard.
You'll probably get many credit card offers in the
mail within days of your bankruptcy. The real catch
though is that most of these are total junk. These
credit card offers are betting on one thing: that
you are desperate. By examining these offers closely
you will find that they want hundreds of dollars in
fees. There are monthly fees, annual fees, membership
fees, applications fees, and just-for-the-hell-of-it fees.

My advice for you is to slow down, back up, and wait!

Ignore those offers. You will eventually get better
ones. Wait a couple months and you'll be happily
surprised to find good deals out there such as credit
cards with no annual fees at all. This is what you want.
Then when you get your new card use it wisely. Don’t
buy junk you don’t need and pay it back every month!


Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.

Credit Cards History

History of Credit Cards

The word credit comes from Latin, meaning "trust".

Millions of American families use their credit cards
to make ends meet. Credit cards have been a lifeline
for families in financial trouble.

Some consumers use plastic purely for convenience
and pay off their balance in full every month. This
is what the industry calls a "deadbeat."

The industry's favorite and most profitable customers
are the "revolvers". These are the consumers that
carry monthly credit card debt and are therefore the
ones being sought after by the banks.

The industry’s growing share of revenues come from
default terms spelled out in the fine print of
cardholder agreements. The terms and conditions
of the agreements can be changed at any time for
any reason with 15 days' notice.

In defense of their terms the industry says it is
because the business is basically unsecured lending
and the risks associated with the business must be offset.

The first credit card was issued in 1951.

American Express and Diners Club began their charge
cards in the USA in 1950. Diners Club issued the first
credit card to 200 customers who could use it at 27
restaurants in New York in 1951. But it was in 1970
that the credit card became what it is today. It was
the establishment of standards for the magnetic strip.
Since that time cards are now “smart”.

A smart card resembles a credit card in size and shape
but the inside of a smart card usually contains an
embedded microprocessor. The microprocessor on the
smart card is there for security. The host computer
and card reader actually talk to the microprocessor.

Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.

Poor Credit Credit Cards

Do you need a credit card but find that your credit score is holding you back? Your bad history is not written in stone. It will get better. Build your credit now and get your finances back on track. Learn how to choose the right card for your particular needs. You need a card with a good annual percentage rate (APR), to be able to transfer your balances, to increase your spending limit, and to rebuild your credit.

Good Annual Percentage Rate (APR)

Percentage rate is the most important factor for many people. Even with poor credit you can find credit cards that offer competitive APR. You do not have to suffer high percentage rates just because you have had some past bad luck or made some bad choices. . Another important factor in choosing a credit card is being able to transfer your balances from other cards.

Balance Transfer

Your poor credit history will not ban you from being able to transfer what you owe on your present cards to your new card. Get rid of the high interest rates. Get all your bills on one credit card statement. It is so much easier to manage your budget with fewer cards. The way to make the most of a new credit card is to choose one with an introductory rate. Transferring your balances will help you to increase your credit limit.

Increase Your Credit Limit

You can progressively increase your credit limit even though you have poor credit. Find a credit card company that reports monthly to all 3-4 major credit bureaus. Having a card with this type of service lets you get accepted for other credit such as a loan or mortgage at a realistic interest rate. By increasing your credit you are building your credit.

Build Your Credit

Get a card that you can use to create a strong credit history. Card companies that regularly review your eligibility are best. By building your credit you will then be a trusted consumer. A trusted consumer never uses up all the balance (unless willing to pay at least 60% of the balance monthly), pays the monthly bill on time (every month), never has an outstanding balance of more than 40% of the total credit limit, and has only one or two cards (to run the budget responsibly).

Would you like to get free no fee credit cards with quick and easy approval? Would you like to get paid commission every time I make any purchase or pay a bill? Your poor credit will not hold you back. I invite you to get more information at

Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.

Zero Balance Transfer Credit Cards

Do Not Transfer Any Of Your Balance Unless--

You Know This before Requesting
Your Zero Balance Transfer

It is very important to tell the credit card
company not to transfer any of your balance
unless your entire balance can be transferred.

If you apply for a transfer and you are not
approved for a credit limit high enough to
move your entire balance, you will end up
with two credit card bills instead of just one.

If you apply for a balance transfer but only
qualify to get part of your balance transferred
your initial goal of simplifying your life and
you might have made it worse.

Zero balance transfer credit card offers are
designed to help people consolidate their credit
card debt onto one card, thus saving money on
interest charges.

There are some important considerations to take
into account before ask for a balance transfer
to a low-interest credit card. Getting a balance
transfer can be beneficial but make sure you
know what you’re getting into.

Requesting a zero balance transfer won’t guarantee
that you will qualify for a credit limit high enough
to transfer your pre-existing balance. Make sure
that you don’t further complicate your financial
situation. Keeping up with three or more credit cards
can be time-consuming and difficult.

A balance transfer on just part of your existing
balance is not worth it.

Aim for getting your entire balance transferred.
Pass up the offer if that can’t be done. You
could also wait for your credit situation to
change and then reapply. Maybe you will qualify
for a credit limit high enough to transfer your
entire balance at that time.

I invite you to find much more information about
credit cards help and how to
Beat The Credit Card Companies At Their Own Game

Would you like to learn a whole lot more about the
credit card industry? Do you need a credit card?
Would you like to make the money from credit cards
that the banks do? I invite you to
send me an email.

Credit Cards US Instant Approval

With instant approval credit cards usually you can
apply online and receive a answer within minutes
through email after filling out the online credit
card application.

No more waiting for an answer get approved today!

U.S. instant approval credit cards are among the
most often requested offers. Be aware that cards
with instant approval do not always imply that
you can use them the moment you application is
approved.

You will have to wait for your credit
card to be sent to you by snail mail.

You do not necessarily need good or excellent
credit to apply for an instant credit card approval.
Fair and bad credit applications can qualify too.

Do you need more facts about instant approval
credit cards? I invite you to see my FAQs at

http://www.ezleadcapture.com/member/heidi.htm

Credit Cards How They Work

I was curious one day to find out how credit card work.
So instead of wondering about it I started looking around
for information. I checked the internet and the library.
Here's what I found.

The stripe on the back of a credit card is a magnetic
stripe. It is made of tiny magnetic iron based particles
in a plastic like film. Each particle is really a tiny
bar magnet about 20-millionths of an inch long. The
magstripe on the back of the card is very much like a
piece of cassette tape.

There are three tracks on the magstripe. Each track
is about one-tenth of an inch wide.
A magstripe reader can understand the information
on the three-track stripe. If the ATM isn't accepting
your card, your problem is probably either:
• A dirty or scratched magstripe
• An erased magstripe

The most common causes for erased magstripe are
exposure to magnets, like the small ones used to
hold notes and pictures on the fridge door and
exposure to a store's tag demagnetizer.

Your credit card typically uses only tracks one and
two. Track three is a read/write track (which includes
an encrypted PIN, country code, currency units and
amount authorized), but its usage is not standardized
among banks.

The information on track one is contained in two
formats: A, which is reserved for proprietary use of
the card issuer, and B, which includes the following:
• Start sentinel - one character
• Format code="B" - one character (alpha only)
• Primary account number - up to 19 characters
• Separator - one character
• Country code - three characters
• Name - two to 26 characters
• Separator - one character
• Expiration date or separator - four or one
characters
• Discretionary data - enough characters to fill
out maximum record length (79 characters total)
• End sentinel - one character
• Longitudinal redundancy check (LRC) - one character

LRC is a form of computed check character.

The format for track two, developed by the banking industry,
is as follows:
• Start sentinel - one character
• Primary account number - up to 19 characters
• Separator - one character
• Country code - three characters
• Expiration date or separator - four characters or
one character
• Discretionary data - enough characters to fill out
maximum record length (40 characters total)
• LRC - one character

There are three basic methods for determining whether your
credit card will pay for what you're charging:
• Merchants with few transactions each month do voice
authentication using a touch-tone phone.
• Electronic data capture (EDC) magstripe-card swipe
terminals are becoming more common -- so is swiping
your own card at the checkout.
• Virtual terminals on the Internet

This is how it works:

After you or the cashier swipes your credit card through
a reader, the EDC software at the point-of-sale (POS)
terminal dials a stored telephone number to call an
acquirer.

An acquirer is an organization that collects
credit-authentication requests from merchants and
provides the merchants with a payment guarantee.
When the acquirer company gets the credit-card
authentication request, it checks the transaction
for validity and the record on the magstripe for:
• Merchant ID
• Valid card number
• Expiration date
• Credit-card limit
• Card usage

The PIN is not on the card -- it is hidden in
code in a database. The PIN can be either in
the bank's computers in an encrypted form or
encrypted on the card itself. The transformation
used in this type of cryptography is called
one-way. This one-way information protects the
cardholder from being impersonated by someone
who has access to the bank's computer files.

Likewise, the communications between the ATM and
the bank's central computer are encrypted to prevent
would-be thieves from hacking into the phone lines
to record the signals sent to the ATM to authorize
the dispensing of cash and then feeding the same
signals to the ATM to trick it into unauthorized
dispensing of cash.

If this isn't enough protection to ease your mind,
there are now cards that utilize even more security
measures than your conventional credit card: Smart Cards.

I invite you to find out more about credit cards, or
to get a credit card, or to make money from credit cards at
http://www.ezleadcapture.com/member/heidi.htm

Credit Card Problems

Credit Card Billing Problems
Credit card account users encounter two types of problems:

· errors on the billing
· insufficient notice before a bill is due, and 2) errors on the bill.

Errors
The Fair Credit Billing Act provides specific protection for consumers
who have billing problems. It defines billing errors as:

1. Your payment has not been credited to your account.
2. Purchases that you just have a question about.
3. An incorrect amount charged or a charge for something that you
did not accept.
4. Charges made by an unauthorized person
5. Credit department mistakes.
6. Finance charges added to your bill for late payment when your
bill was not sent to your current address (provided you notified
the company of your address change prior to the end of the
billing period).

Insufficient notice.

If your account allows you to avoid a finance charge by
paying your account in full by a certain date, the company
must mail its billing at least 14 days before the due date.
Check the postmark if you are receiving your statements
shortly before payment is due and complain to the card issuer.

Your payments should be credited the day they are received.
Check with the company to see where the problem is. One way
that you can avoid this is by paying your credit card bill through
your checking account electronically.

What To Do if You Find a Mistake?

Send a letter to the creditor within 60 days of finding the
mistake. Give your name, account number, problem and
the amount involved.

Pay the part of the bill that is not an error. You will not have
to pay finance charges on the amount in error unless it is
found that the bill was truly yours.

If you are responsible for the amount you must pay the
finance charges that accrued during the time the complaint
was being investigated.

A creditor must respond to your letter within 30 days or
correct the bill. Your bill must be corrected within two billing
periods or 90 days or you should receive a statement saying
why the bill is correct.

If the bill is still disputed after the negotiation period is over,
the creditor may report you to the credit bureau. Check your
credit file. You have the right to add your statement to your
file, which will be included in response to all future inquiries.

Most credit card companies have toll-free numbers, others
accept collect calls. Always note the name of the person you
talk to. Follow up your call with a letter to document your
case to preserve your billing rights.

I would also send a certified letter with a return receipt
requested. This shows that you have fulfilled your side of the
card agreement.

Keep copies or records of all letters, documents and calls.

http://ezleadcapture.com/member/heidi.htm

Credit Cards Zero Percent Balance Transfer

Getting a new credit card to transfer your high interest rates to a
new card with low interest rates is a smart thing to do when you
are faced with too much debt with too high payments. You want
to get a credit card with zero percent balance transfer.

The finance charges to you are making a fortune by the credit
card companies. Some finance charges are as high as 21 percent.
How could you possible pay off your credit card debt with such
high charges and high payments? The answer is to get a new
credit card with no charge to you to transfer your loan from one
credit card company to another.

When you transfer your balance, at zero percent transfer
balance, you will then have lower payments and will be able to
pay down the balance. Keep in mind that you need to work at
getting out of debt. Do not go out on a spending spree.

Always check the fine print. You need to know if the bank
charges joining fees, annual fees, and if there is a transfer fee
to check how much you would be charged.

Do you want to find a card that will help you? Do you want to
end the pain of of debt?
I invite you to get more information at
http://www.ezleadcapture.com/member/heidi.htm
You can get a card and make money too!

Easy To Get Credit Cards Are Available

Easy to get credit cards are available to you. What to look for when choosing an easy to get credit card. If you have no, bad, or poor credit, or filed for bankruptcy you can still get a credit card.

The reason people look for an easy to get credit card usually is because they have no, bad, or poor credit. Sometimes it is because they have filed for bankruptcy.

You are probably finding it difficult to build up your credit rating again. Due to your past credit history the major reason for your difficulty is that most of the major companies will not offer you a credit card or other loan.

There are a few things that you can do in order to lessen the effect of a bad credit history has on your credit now, but one of those options (waiting until it is no longer on your credit report) is not a good idea if you need a credit card now.

You can improve your credit by getting a credit card. There are some companies that will offer easy to get credit cards. Essentially, these are credit cards for people with poor, no, or bad credit.

By paying off your debt on your new credit card, you can build up your credit report so that you'll be able to get loans and other credit cards in the future.

Are Credit Cards Easy To Get?

Absolutely! It really isn’t that hard. You'll probably get many credit card offers in the mail within days of your bankruptcy. The real catch though is that most of these are total junk. These credit card offers are betting on one thing: that you are desperate. By examining these offers closely you will find that they want hundreds of dollars in fees. There are applications fees, monthly fees, annual fees, membership fees, and the just-because-I-feel-like-it fees.

Just be careful. Ask yourself “Did credit card debt get me into this mess to begin with?” If it did, how have I changed? Let's be realistic. It's difficult to get along in today's world without a credit card. Some needs are internet purchases, car and hotel reservations, and emergencies.
Always compare the monthly fees, annual fees, membership fees, applications fees, and check the fine print for the just-because-I-feel-like-it fees.

Do you want some help to get rid of the pain of bad credit? Would you like to get free no fee credit cards with quick and easy approval? I have survived being laid off, jobless, internet scams, and bankruptcy. Find out how I did it and how you can too. I invite you to http://www.ezleadcapture.com/member/heidi.htm This article may be reproduced subject to credit being given to the author and a link to this website. Kay Schwarttz