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The following are finance related articles. Learn more about credit cards and loans.

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Applying for a Credit Card -- One of the disadvantages of modern times is that people tend to acquire so many things they don’t really need. Numerous gadgets and services occurred targeting a vast market of consumers and this emergence of various inventions somehow blinded people. Since finances—especially money—is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services there are is the credit card. Although many people testify for the financial convenience you get when you apply for a credit card, it doesn’t mean that every financing convenience applies for you or for everybody in that matter. When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. But, no matter what the reason is, people apply for a credit card..... (more)

Credit Card Basics -- The emergence of electronic age made almost everything possible to people. Determining and curing terminal diseases made convenient, reaching uncharted territories became a possibility, and most of all; everyday life of people is made easy by the technology. We now have more convenient stores, easier means of transportation and a variety of gadgets that makes work and pleasure almost effortless. When it comes to finances, technology—through efficient banking system and services—has given people better alternatives and options how to manage their finances. Among the so many financial management schemes that emerged, one alternative stands out among the rest—the credit card. Credit card, especially to working people and those who live very busy lives, has become an ultimate financial “savior.” More than just being a status symbol or an add-on to expensive purses and wallets, credit card has revolutionized the way people spend their..... (more)

Low APR Credit Cards -- Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers in—to help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card? Basically, APR is the cost of credit as a yearly interest rate. APR stands for “Annual Percentage Rate” of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement...... (more)

Loan Articles Loan Articles

Facts You Must Know When Applying For a Loan -- APPLYING FOR A SECURED LOAN WITH BAD CREDIT Having bad credit history can be like carrying a backpack full of worries. You don’t only have to face the elevated rates on credit cards and loans, but acquiring any type of credit can seem like an unbearable obstacle to overcome. Some people with bad credit think that all odds are against them when trying to apply for credit or loans. However there are those who are willing to take the plunge in risky waters for you provided that you pay them back in the end. Secured loans use an item of monetary value as a safe keep known as collateral. The information that follows has reference to requesting a secured loan w/unfavorable credit. SECURED LOANS Secured loans use personal property to secure the repayment of a loan. This means that the possibilities of getting a secured loan with bad credit are much higher than an unsecured loan. Their characteristics are that of being much more common and have..... (more)

Student Loan -- The loan accrues interest from the day it is paid. The good part is that the interest rate is linked to the inflation in line with the Retail Prices Index, which means you only really repay the amount you borrow with no profit made on the loan itself. Do I qualify? You qualify to take out a student loan if you are a part-time Initial Teacher Training student and are in full-time higher education. If you are an existing student you will be able to take out either a Student Loan for Maintenance or a Student Loan for Fees. On top of that, there are some other types of financial help you may be entitled to. What’s Student Loan for Maintenance? The Student Loan for Maintenance is designed to help you with your living costs during term times and holidays. The amount of money you can have will depend on a few factors like your household income, whether you live at home while you are studying and whether or not you receive any Maintenance..... (more)

What is a Secured Loan -- What do you think is the biggest concern of banks when they lend you money? Well, cautious and conservative as they are, what banks fear most is that you wont be able to pay back the loan. It is not so much a question of trust, if you try to get away from them, they’ll hire a debt collection agency or have you called up before a court. What they fear is simply that you will not be able to pay them back, even though you want to. Looking at it from their point of view it makes sense. Every day they hand out a massive amount of money to total strangers. Each mortgage alone averages over hundred thousand pounds. That’s a lot of your money to simply hand over. So what banks do is they get security. This means that even if things go wrong for you, they will probably still get their money back. A secured loan must be secured over a particular asset. An asset is anything that’s worth money. The asset could be a car or a famous painting, but..... (more)


Our information is for guidance purposes only, Credox recommends that you get different opinions from professional in the finance field to seek for the appropriate financial advice.

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