tag:blogger.com,1999:blog-31029235317188821852024-02-19T10:58:11.528+07:00You REWARDGet A Maximum Reward Credit Cardbloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.comBlogger12125tag:blogger.com,1999:blog-3102923531718882185.post-10731413085467352352013-04-18T21:13:00.000+07:002013-04-18T21:13:00.696+07:00Short list of bodybuilding fiction<IMG alt="Short list of bodybuilding fiction" src="http://lh5.ggpht.com/-0PhCU9NR1lc/UIwq-0oNVnI/AAAAAAAABh0/HAi1TvctNi8/image%25255B5%25255D.png?imgmax=800"><BR>If you'v been training, here's a short list of bodybuilding fiction. <BR><BR>1. 12 Rep rule Most weight training program include this much repetitions for gaining muscle. The truth is this approach places the muscles with not enough tension for effective muscle gain. High tension e.g. heavy weights provides muscle growth in which the muscle grows much larger, leading to the maximum gains in strength. Having longer tension time boosts the muscle size by generating the structures around the muscle fibers, improving endurance. image The standard prescription of eight to 12 repetitions provides a balance but by just using that program all of the time, you do not generate the greater tension levels that is provided by the heavier weights and lesser reps, and the longer tension achieved with lighter weights and more repetitions. Change the number of reps and adjust the weights to stimulate all types of muscle growth. <BR><BR>2. Three Set rule The truth is there's nothing wrong with three sets but then again there is nothing amazing about it either. The number of sets you perform should be base on your goals and not on a half-century old rule. The more repetitions you do on an exercise, the fewer sets you should do, and vice versa. This keeps the total number of repetitions done of an exercise equal.<BR><BR>Read more at: <A href="http://www.naturalliving.tk/2012/10/short-list-of-bodybuilding-fiction.html">Short list of bodybuilding fiction</A><BR><BR>bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-81885755684084238292013-04-18T15:32:00.000+07:002013-04-18T15:33:08.158+07:00Acer Iconia W510 PC Tablet Terbaru dengan Windows 8<IMG alt="Acer Iconia W510 PC Tablet Terbaru dengan Windows 8" src="http://seoconia8.com/wp-content/uploads/2012/12/logo2.png"><BR><B>Acer Iconia W510</B> bukanlah tablet biasa, karena didukung oleh OS Windows 8 yang dikenal mumpuni dalam menghadirkan pengalaman komputasi sekaligus fitur-fitur tablet yang multifungsi. Kehadiran Acer Iconia W510 dapat menjadi solusi yang menyenangkan bagi anda yang aktif, dinamis, dan<A href="http://blog.buana-express.com/"> Mobil</A>e. Tidak perlu lagi membawa laptop dan tablet secara bersamaan, cukup dengan satu buah <A href="http://blog.buana-express.com/2013/01/Acer-Iconia-W510-PC-Tablet-Terbaru-dengan-Microsoft-Windows-8.html" target="_blank"><B>PC tablet Acer Iconia W510 dengan Windows 8</B></A>, kebutuhan akan laptop dan tablet dapat terpenuhi sekaligus.<BR><BR><br /><DIV></DIV>Read more <B><A href="http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&ved=0CDEQFjAA&url=http%3A%2F%2Fblog.buana-express.com%2F2013%2F01%2FAcer-Iconia-W510-PC-Tablet-Terbaru-dengan-Microsoft-Windows-8.html&ei=3QZoUfaTHceOrQf25IDQCw&usg=AFQjCNE0xPCG9PprZPn-jhmbPBApN_lMBw&sig2=Gm-NgS9yeYvqtdHvooxNkA&bvm=bv.45175338,d.bmk">Acer Iconia W510 PC Tablet Terbaru dengan Windows 8</A><BR></B><BR><br /><DIV></DIV>Backlink <A href="http://blog.buana-express.com/2013/01/Acer-Iconia-W510-PC-Tablet-Terbaru-dengan-Microsoft-Windows-8.html">Acer Iconia W510 PC Tablet Terbaru dengan Windows 8</A><BR>bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-46755872086466071422013-04-18T15:31:00.001+07:002013-04-18T15:31:54.665+07:00Keeping a man's fitness level high, efficient and safeFitness is the essence of a man. No one is ever too young or too old for improvemen in fitnesst Fitness is the ability of a person to do his normal everyday tasks with full alertness and vigor without worrying about fatigue afterward and with extra energy in reserve which can be useful when emergencies arise or during leisure and recreation.<BR><BR>Overall fitness must be the primary goal every man must try to achieve. One's fitness can be improved by ngaging in aerobic exercises and through strength training. There are three components of overall fitness that every man must focus on working out in order to be in healthy, tip-top shape. These are cardiovascular work, strength training and of course, these should be coupled with a healthy diet. <BR><BR>Read more at: <A href="http://www.naturalliving.tk/2012/10/keeping-man-fitness-level-high.html">Keeping a man's fitness level high, efficient and safe</A><BR><BR>bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-67581501250421877102013-04-18T15:30:00.001+07:002013-04-18T15:30:32.220+07:00Solusi Pembiayaan Mobil Bekas dari Penjualan PerseoranganApakah dana Anda kurang mencukupi untuk membeli mobil Baru dan ingin mempunyai mobil dengan Kredit Mobil ? <BR><BR>Apakah Anda ingin mengganti Kendaraan Anda ? <BR>Kami siap melayani kebutuhan Anda, membeli mobil secara kredit. Anda bebas mencari sendiri mobil Bekas / mobil Baru yang Anda diinginkan, mobil bisa dicari sendiri dari pemakai, teman, saudara, tetangga atau perusahaan bila diperlukan Kami dapat membantu mencarikan mobil yang Anda inginkan, Untuk mobil Mulai Tahun 1997 Keatas, Segala Jenis mobil Sedan, Minibus, Truk, dll. Bunga Bersaing, BPKB Aman, Leasing Resmi, Proses Cepat, Cicilan s/d 4 tahun, Data Bisa Kami Ambil untuk semua wilayah Jakarta, Depok, Tangerang, Bekasi. <BR><BR><A href="http://blog.buana-express.com/">http://blog.buana-express.com/</A> bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-15970376926875920112013-03-22T14:59:00.001+07:002013-04-18T15:32:20.318+07:00Iklan Gratis Tanpa Daftar Khusus Jual Beli Mobil Bekas dari Perorangan<IMG alt="Iklan Gratis Tanpa Daftar Khusus Jual Beli Mobil Bekas dari Perorangan" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0XFDdrnbXtQVVap9FyYSMJ07uvP1TKLXBzs3yZqd-SO991-eVqnNHsiLJTnSlY45zz73kdQHcnDKtTNbcVj8vVaDOnKM6F8V5wq00MLp4n-ID2dJAisRUvqhCpC2SExZmfRX4o19LzXV4/s280/pasang+iklan+gratis+300x150.gif" width=200 height=88><BR>Iklan Baris Gratis ini disediakan untuk anda sebagai penjual<A href="http://blog.buana-express.com/"> Mobil</A> supaya anda bisa menunjukkan - mempromosikan<A href="http://blog.buana-express.com/"> Mobil</A> anda kepada seluruh dunia di internet.<BR><BR>Adapun Syarat dan Ketentuannya sebagai berikut : <BR>1. Iklan Gratis Buana Auto pendaftarannya gratis dan<B> terpasang sampai materi iklan terjual</B>. <BR>2. Iklan Gratis Buana Auto dikhususkan untuk <B>jual beli<A href="http://blog.buana-express.com/"> Mobil</A> bekas</B> bukan<A href="http://blog.buana-express.com/"> Mobil</A> baru<BR><BR>More info<FONT><A href="http://iklangratis.buana-express.com/"> Iklan Gratis Buana Auto</A></FONT>bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-68140489219351448472013-03-22T14:59:00.000+07:002013-04-18T15:31:30.397+07:00Pinjaman Dana Tunai Cepat Jaminan BPKB MobilKami memberikan solusi bagi anda menyelesaikan masalah keuangan dengan cukup menjaminkan BPKB<A href="http://blog.buana-express.com/"> Mobil</A> anda tentunya dengan syarat kredit yang mudah. Anda bisa langsung melakukan simulasi kredit sesuai dengan kebutuhan dan keinginanan anda secara terbuka dan transparan.<BR><BR>Proses yang mudah, cepat dan 100 % aman. <BR><BR><B>Dana Cash / Dana Tunai Untuk Keperluan Apa Saja:</B> <BR>· Pengembangan Usaha, <BR>· Renovasi Rumah, <BR>· Biaya Rumah sakit, <BR>· Biaya Persalinan ( melahirkan ), <BR>· Tambahan Biaya Pernikahan, <BR>· Pendidikan, <BR>· Liburan dll… <BR><BR><B style="COLOR: blue">Cukup Jaminkan BPKB<A href="http://blog.buana-express.com/"> Mobil</A> Anda</B> <BR><BR><br /><UL><br /><LI>Untuk<A href="http://blog.buana-express.com/"> Mobil</A> Mulai Tahun 1997 Keatas, Segala Jenis<A href="http://blog.buana-express.com/"> Mobil</A> Sedan, Minibus, Truk. </LI><br /><LI>Domisili Jakarta Depok Tangerang Bekasi, </LI><br /><LI>Bunga Rendah, BPKB Aman, Proses Cepat, Ada Dana Talangan, Over Kredit, Leasing Resmi, Cicilan s/d 4 thn, </LI><br /><LI>Data Bisa Kami Ambil untuk semua wilayah Jakarta Depok Tangerang Bekasi. </LI></UL><br /><P>Read more <B><A href="http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&ved=0CDEQFjAA&url=http%3A%2F%2Fblog.buana-express.com%2F2009%2F02%2Fpinjaman-dana-tunai-cepat-jaminan-bpkb.html&ei=gRRoUZuzO8fZrQei-ICYCA&usg=AFQjCNFsdFxcjCqsJZByZUSG4zT3C4jxdQ&sig2=AV81EmcpIHMwmzeaku2K4g&bvm=bv.45175338,d.bmk">Pinjaman Dana Tunai Cepat Jaminan BPKB Mobil</A></B></P><br /><P>Backlink <A href="http://blog.buana-express.com/2009/02/pinjaman-dana-tunai-cepat-jaminan-bpkb.html">Pinjaman Dana Tunai Cepat Jaminan BPKB Mobil</A><BR></P>bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-23343854016645461832009-08-20T04:29:00.000+07:002009-09-17T04:30:05.217+07:00Manage And Eliminate Your Credit Card Debt!<p><strong>Credit card debt</strong> is the main contributor to personal debt and cause for many financial problems. Once your credit card debt starts growing it becomes more and more difficult to eliminate it and become debt free. <br />Everyday you get credit card offers, by mail, on the internet, etc. But you need to act consciously and opt out if you are not sure you will be able to afford it or if you do not trust yourself with it. If you know you overspend and have no control on your expenses, it is wise to start modifying such behaviors and avoiding getting extra credit cards would be a wise start. <br />However, If you trust you will act wisely, then it would be clever to follow these tips to stay on track and maximize your savings while at the same time enjoying the benefits credit cards undoubtedly offer: <br /><strong></strong></p> <p><strong>Choose Your Credit Card Wisely</strong> <br />You should choose your credit card cautiously. The main item to look at is the interest rate; you should try to find the lowest rate available. To do so you can join one of those internet companies that offer reviews on many credit card offers, these sites also offer direct links to the credit cards application so actually you will get all the work done for you. <br /><strong></strong></p> <p><strong>Control Your Spending</strong> <br />Once you get the credit card, be extremely careful with your spending. If you can not pay the whole balance each month, then try to pay the highest amount possible. Otherwise you will get into a vicious circle and your credit card debt will grow so much that you will find yourself unable to pay the minimum in a short time. Also, if you have multiple cards, try to pay the maximum amount possible in the credit card with the highest interest rate and leave the others with the minimum required till you pay it off completely. Then carry on with the next higher rate credit card and so on. <br /><strong></strong></p> <p><strong>Avoid Paying Minimums And Missing Payments <br /></strong>Never pay the minimum unless you have no other choice, and make sure to pay more as soon as you can. Never, I repeat, NEVER miss a payment, this will soon get recorded in your credit report and ruin your ability to get finance in the future. This kind of things is what turns a healthy credit score into a bad credit score. </p> <p><strong></strong></p> <p><strong>Transfer Debt To Better APR Credit Cards</strong> <br />If you can find a credit card with a better rate, do not hesitate and transfer the balance to the new card, this way you will be paying less in interests and whatever you pay will go mainly to reducing the capital. If you can grab hold of one of those 0% introductory rate credit cards, you can benefit from the promotional period by transferring the balance to this card and paying as much as possible since the whole payment will go to reducing the principal. Beware though, that 0% APR cards tend to have a higher interest rate when the promotional period ends. If you wish to use this feature, try to repay all the balance before the promotional period is finished or have another card ready to transfer the balance again. </p> bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com1tag:blogger.com,1999:blog-3102923531718882185.post-79854581630714143592009-08-17T04:21:00.000+07:002009-09-17T04:21:57.106+07:005 Tips for Choosing the Best Balance Transfer Credit Card<p>If you have a number of credit cards and you’d like to consolidate your payments, a <strong>balance transfer credit card</strong> can be the right decision for your finances. Not only are many balance transfer credit card companies offering lowered or even zero percent interest rates, but you might even be able to finally pay down that debt that you’ve accrued. </p> <p><strong>1. Find out the restrictions</strong> </p> <p>Most of the time a balance transfer credit card company will allow you to enjoy a low or zero percent interest rate when you follow their rules. This means that you should work to understand their rules before signing up. You might not be able to purchase anything on the card for a certain amount of time, or you might have to purchase something within a certain amount of time. </p> <p><strong>2. Determine the amount you want to transfer</strong> </p> <p>While most balance transfer credit card companies are willing to transfer larger balances for those with a good payment history, for those that do not have excellent credit, you might find that only small amounts will be transferred. And while this helps, it might not reap the rewards that you were expecting. Talk with the balance transfer credit card before deciding to sign up for their card to be sure that the amount you want to transfer will be allowed. </p> <p><strong>3. What is the annual fee?</strong> </p> <p>When you’re trying to limit your payments, you’ll want to be sure that the balance transfer credit card doesn’t start off with an annual fee as well. Many balance transfer credit card companies do not make a customer pay a fee initially, but some might charge the customer after the initial time period is over. </p> <p><strong>4. Can you get money back?</strong> </p> <p>Some balance transfer credit card companies also offer you money back for new purchases on their card. While you probably won’t get that cash back on the transfer, you can begin to reap rewards for future use. If you think that you may keep the balance transfer credit card for a while, this is a good thing to investigate. </p> <p><strong>5. What is your time limit?</strong> </p> <p>While it would be nice if balance transfer credit card companies could give consumers unlimited time to enjoy the lower interest rates, this isn’t the case. Find out how long the introductory balance transfer credit card interest rate is good for—the longer the better. </p> <p>A balance transfer credit card can help you reduce your monthly payments and get you on the road to a debt-free life, but only if the card is working for you and not against you. </p> <p> </p> <p>by: Beth Derkowitz</p> bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com1tag:blogger.com,1999:blog-3102923531718882185.post-60408024199428899592009-07-16T15:10:00.000+07:002009-09-16T15:13:24.872+07:00Tips to Get a Maximum Reward From Your Credit CardThe potential of getting the maximum points and rewards from your <b>credit card reward programs</b> is huge if you know how to use it correctly. Most <a href="http://en.wikipedia.org/wiki/Credit_card">credit card rewards</a> today provide a variety of choices and flexibility for its card members to enjoy.<br />
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With the convenience of online account management, you can easily access your account and make your payments through the internet. You can pay your telephone bills, cable, electricity and other monthly utilities as well as your monthly mortgage or your retirement fund through your reward credit card. This lets you earn more points and at a faster rate as well.<br />
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Reward credit cards also give you unlimited options on how you want to be rewarded. You can exchange your points for a free travel ticket, concert ticket, a hotel accommodation, free restaurant meals, appliances, and other purchases. You can even choose to contribute your rewards to your favorite charitable organization. Truly, reward credit cards have come a long way since Discover started it back in 1980.<br />
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How can you maximize your benefits from your reward credit card? Consider the following suggestions:<br />
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Avoid carrying a balance. The rewards you earn from your purchases may just as well go to waste if you have to pay for a very high interest on your credit card bills. Why? Because reward credit cards have higher interest rate than non-reward cards. Therefore, if you want to make your reward credit card work for you, avoid carrying a balance. Don't spend more than what you can afford to pay for the month. Also, remember to submit your monthly payment on or before but NEVER later than the due date.<br />
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Know your card's affiliates. Reward credit cards have partnerships with hotels, airlines, stores, gas stations and other establishments. Whatever type of rewards credit card you have, you need to be aware of which companies does your credit card have affiliates with. Some credit cards only award points if purchases are spent from an affiliate merchant.<br />
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Even if your credit card gives points regardless of where you shop, it is more likely that you'll get higher points or higher rebates if you use the card from an affiliate. Thus, it is also a good idea to choose a reward credit card that has partnership with your favorite establishments.<br />
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Know your boundaries. Usually reward credit cards impose restrictions with regards to earning points. For example, some credit cards impose a maximum amount of reward that a card holder can claim. After that, you will not be allowed to earn more regardless of how much you spend on the card.<br />
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It would work to your advantage if you know your limits so you can do the necessary steps needed before your rewards go to waste. If you think a particular credit card imposes unreasonable limits, then don't waste your time signing up for that card. There are many credit card companies that give better deals and do not impose a limit on the rewards you can earn.bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com2tag:blogger.com,1999:blog-3102923531718882185.post-24554404128578395442009-07-13T15:17:00.000+07:002009-09-16T15:19:05.683+07:00How Best To Use A Credit CardIf you are new to the world of credit cards, then you need to know the basics before going ahead and choosing the right credit card. Although all the terms and companies offering cards can seem confusing at first, if you do your homework then learning the basics takes no time at all. Here are some hints and tips regarding the basics of using and finding a credit card:<br />
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<b>Borrowing money</b><br />
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Credit cards are probably the most common way of borrowing money. Credit cards are available from so many different sources, both offline and online. There is a wide variety of different types available, and at first glance it can be very confusing. However, what you need to remember with all credit cards is that you are borrowing money, and that the credit is not free. Once you realise this then you will be in a better position to get a card that suits your needs.<br />
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<b>Interest rates</b><br />
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Unless you intend to pay your credit card bill off in full each month, then you need to be aware of the interest rates of cards. The rate is calculated as APR, or Annual percentage rate. The typical rates right now are around 13-18%, depending on the company you choose. Lower interest rates are obviously better, but remember that there can be other charges as well such as late fees or transfer fees, etc. Also, if you are going to pay the money off very slowly, then you should look at other types of money lending as credit cards do have high interest rates.<br />
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<b>Paying your bill</b><br />
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The options for paying your bill vary, and some cards have different requirements. A few cards require you pay the whole bill each month, but most only require that you pay a minimum payment. This is usually around 2% of the entire balance. If you are not paying back your card in full each month, then pick a card that has benefits for doing so. Some cards offer ‘cashback' of around 0.5% or more, meaning that you get money back each time you buy something.<br />
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<b>Fees</b><br />
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Most credit cards have a range of fees that you will be charged. These include fees for late payment, over-limit fees, and annual usage fees. If you know you might be late with payments sometimes, then pick a card with low late fees. Also, try and avoid cards with annual fees, unless the rest of the package is very good. Some cards have introductory offers, like no interest or fees on transfers for six months. These cards are good if you need to transfer debt or you know you can pay back the balance during the introductory period.<br />
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<b>Debt</b><br />
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Remember, if you are not careful you can get into credit card debt that can be hard to get out of. Only spend what you can really afford, and try to pay back as much of the balance as you can each month. Credit cards are great for emergencies or spreading the costs of expensive items, and if you know the basics then you will get a better deal on your card.bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-39853026031769424882009-07-10T15:14:00.000+07:002009-09-16T15:15:36.456+07:006 Steps to Minimize Your Credit Card Debts and Maximize Its RewardsAll of us can get excited with the promise to earn more or get rewarded from our credit card spending. Credit cards with reward programs are definitely great but every reward credit card holder must also be aware of how to avoid its dangers and how to use it to their advantage.<br />
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True, if you don’t use your reward credit card wisely, you can get easily stuck in credit card debts. Nevertheless, there are ways to minimize the risks and maximize your rewards. Let’s talk about these steps one by one.<br />
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1. Choose a reward credit card with the right reward program. There are a variety of reward programs available for you to choose from - Frequent Flyer Miles Rewards, Gas Rewards, Hotel Rewards, and Cash Back Rewards credit cards. The question is, which type of reward program best matches your lifestyle and spending?<br />
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2. Read and understand your Credit Card Agreement. Did you take the time to read the fine print before submitting your credit card application? If not, you could’ve made the wrong credit card choice. Unfortunately, a lot of credit card holders rush into signing up for the cards they thought were great without reading the agreement in full. Remember that the true rates, costs and terms of your credit card are all stated in your contract so read the fine print no matter how small it is or how inconvenient it is.<br />
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3. Maximize the use of your reward credit card. You only earn rewards or points each time you use your card. Thus, it only makes sense that you should use your reward credit card whenever possible. Of course, this doesn’t mean you should spend more that what you can afford. So how can you maximize the use of your reward credit card?<br />
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Use it for your groceries as well as in paying your utility bills or other expenses that you’ll otherwise pay in cash. However, make sure that you pay off all these charges in full before your due date runs out. The moment you charged a purchase to your reward credit card, set aside the cash that you would’ve used to purchase it and pay it to your credit card immediately.<br />
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4. Know which purchases earn you the most points. Again, it’s important that understand the terms and conditions of your credit card’s reward program. What kind of purchases qualify for the points? Are there specific shops or establishments that you must purchase from in order to get points? What type of charges will enable you to double your points?<br />
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5. Choose a reward credit card with no blackout dates. Some reward credit cards impose blackout dates or expiration dates which means you can no longer use your points or redeem your rewards after a certain period. Obviously, these reward credit cards are not the ones you want. The best reward credit cards should give you the option to earn as many points as you can without worrying about blackout dates at all.<br />
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6. Avoid forfeiting the rewards you earned. Did you know that you can get disqualified from claiming or earning your rewards? Most reward credit cards will penalize you if you fail to submit your payments on time. Therefore, you should always pay attention to your due dates and make sure that you can pay off your balances on or before your last day of payment.bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0tag:blogger.com,1999:blog-3102923531718882185.post-68410657860980613162009-07-08T15:16:00.000+07:002009-09-16T15:17:22.133+07:00What are Credit Cards?A credit card is a financial agreement between the card holder and the bank or credit union. This card contains a magnetic strip that contains the personal identity and secured information of the holder. This card also contains the photo of the card holder and is used at the money dispensing machines (Automated Tailor Machines or ATM’s).<br />
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It is small card that contains the complete financial details of the customers. The terms of the deal are set by the lender which include how often payments are to be made, what will be the minimum payment, and what the rates of interest that will be applied are. The borrower has to pay not just the borrowed amount but also the additional charges based on the rate of interest.<br />
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Credit card is a beneficial tool for the customers. Some of the benefits are:<br />
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* Emergency Protection: If you’re ever in an emergency, you’ll see how helpful a credit card can be. Whether you’re stuck with medical bills or auto repair fees, these credit cards can be used anywhere and at anytime.<br />
* Convenience: There’s no need to carry money in the wallets. Just the plastic card is enough. You can buy anything what you want at any time even if you don’t have cash with you.<br />
* Building Your Credit: If you dream of buying a house or really nice car, you need to have a credit history that demonstrates that you can take on debt and pay it back on schedule. You can use a credit card to make small purchases and build up your credit score by paying your statement on time.<br />
* Security: Large amounts of cash can be lost or stolen. But if your credit card goes missing, you can have the account cancelled and a new card issued without losing any of your money.<br />
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Credit cards can help you improve your daily lives if you use them responsibly. But the temptation to live beyond your means and max out your credit limit can be a problem. That’s why it’s important to think of your credit cards as tools that you can use.<br />
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Some of the important things to be kept in mind that will help you to manage your credit card debt are:<br />
* Go Back to Cash: If you’re having trouble keeping your credit card in your pocket, switch back to cash for a while. Using cash for a bit will help you remember that little purchases add up.<br />
* Make a Budget: The first step to financial freedom is a realistic budget. Sticking to a budget will help you from splurging with your credit card.<br />
* Get Credit Counseling: If your debt gets out of control, talk to someone! Ignoring your credit problems won’t make them go away – it will only make them worse. Talk to your parents or a trusted friend who may be able to help, or consider getting help from a group or institutions that can help you with your problems.<br />
* Set a Limit: Many analysts recommend keeping your credit card balance around 30% of your credit limit for maximum benefit in the formula used to calculate your credit score. A promise should be made to yourself that you will not exceed the limit and the credit card debt will not go out of control.<br />
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There are many benefits of having credit card. If you understand that credit card money is just like loan, things would be better. If you aim to clear your credit card balance every month, it will be beneficial else the balance will have interest charged on it and there can be all the consequences that occur with loan.bloginfobisnishttp://www.blogger.com/profile/01909556940218474464noreply@blogger.com0