Income Master » credit card options

Comparing Credit Cards Easy and Necessary

Bella — Fri, 12 Mar 2010 23:51:27 +0000

I used to think that all credit cards were the same.
That is so wrong. Along with the obvious differences, such as those in interest rates charged, there are also other important factors to look at when you want to Compare Credit Cards.
I like to look at what rewards each credit card company offers. Some offer incentives for air travel, while other Credit Cards will give you points to use for purchases, such as buying from online sites.
Is there such thing as the perfect credit card? Maybe not, but you can definitely do a little research to find out the Best Credit Cards for your needs.
It is fast and easy to do so, and frankly, it is necessary if you are going to be a smart consumer.

Stay on budget with prepaid debit card

Bella — Tue, 29 Dec 2009 17:08:40 +0000

In Europe, generally speaking, people don’t spend money they don’t have. This is the smart way to live. Somehow, Americans have been caught up in the culture that bigger is better and that more is best.

We have come to believe that it is OK to spend money we don’t have. But nine times out of ten, we later regret it.

If you want to stay on budget, but have all the benefits of using a credit card, there really is no better way to go than to buy a reloadable, Prepaid Debit Card. You can use this card in stores, online — anywhere that a Mastercard is accepted.

This is a great idea for a gift for a grandchild who may shop at stores you’ve never even heard of. It is also a smart idea for college students living away from home who need money for living expenses, but may not have the maturity necessary yet to limit spending.

It is also a way to stick to a weekly budget. Because it is a reloadable, Prepaid Mastercard you can load it every week with your budgeted amount for expenses and then when it runs out, wait until the next week to put more money on it.

It is a little like the cash in an envelope budgeting system, where you withdraw a weekly amount of cash to spend, but this is a safer method. Rather than carrying around cash, you have a Prepaid Debit Card that helps you keep track of your spending in an easy, convenient way.

Convenience of Credit Cards

Bella — Wed, 04 Nov 2009 19:14:24 +0000

The average American walks around with a pocket or pocketbook full of Credit Cards that they whip out for everything from a latte to a new flat screen television.
Using a credit card is very convenient. You always have it with you and can use it to buy just about anything you would ever need. They are a lot easier than finding your ATM and withdrawing cash.
As credit cards have become more ubiquitous, the companies that issue them have branched out to distinguish themselves from each other.
They offer different benefits, different interest rates and so on. It helps to shop around to find the Best Credit Cards for your particular needs.
For instance, a friend of mine uses an Amazon credit card to buy everything in her life, from groceries to a glass of pinot noir at the cafe. Like many of us, she hardly ever has cash on her, but uses her credit card for everything.
Before she got this card, she did Compare Credit Cards and looked at their benefits. She wasn’t worried about interest rates because she pays her card off each month. She was interested in benefits. Now, she racks up gift cards at Amazon with her purchases and then turns around and buys Christmas gifts through the website at the end of each year.

It helps to know what you need when choosing a credit card

Bella — Thu, 08 Oct 2009 20:38:31 +0000

When shopping for a credit card there are so many options it can almost be overwhelming.

Do you want the card with the lowest interest rate because you plan on incurring some longer term debt or do you want a credit card with rewards because you will use it instead of cash for everything: gas for your car, food, tickets to the movie theater, clothes at the mall and so on.

How about a student credit card for your college-age son or maybe he’s not that fiscally responsible nowadays so you’d rather purchase a prepaid debit card for him to use for his necessities away from home?

There are so many options out there once you decide what you are truly looking for. For me, right now I am interested in the lowest interest rate credit card that also offers airline miles for purchases.

My parents live far away and our family of four goes to visit them at least once a year. Four airline tickets add up fast, so anything I can do to cut down on that cost is helpful. I especially love that just by paying for the regular items I purchase, such as groceries, I am racking up miles for my annual vacation.

It is nice to think of their warm sunny house when I am bundled up in artic weather buying milk and eggs.