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I have told you about a little secret (not really secret at all exactly!) about how to use the advantages of the balance transfer credit cards to help you stay out from debt situation. Yes it is right and many people still use that until now. But there also a contradiction since it seems like you (credit card customers) are playing fool with the creditor (credit card companies). In customer’s point of view it is absolutely right because they’re still have to pay for another credit card that was used to filled up the balance on a bad credit card account (as I illustrated on the image below)

A simple explanation (case study) is that every $1,000 in credit card debt transferred from a credit card with an 18% interest rate can save the consumer close to $200 a year. Imagine how much you can save with that?

At the another side; (credit card companies which are publishing the 0% apr balance transfer credit cards) they’re starting to feel uncomfortable with this situation. That’s why now it’s difficult to get a 0% cards because credit card companies have slowly cut off these offers due to new government regulation. Read about the credit card transfers rules and file a credit card complaint here. As you can see, there are still contradictions, but as a customer, we deserve the best we can have right?

A providian credit card, is just like some other cards, it has a lot of basic benefits. Sometimes, however, the benefits that are offered can change and promotional offers can be found. It is a good idea to check into these and see if there are things that you would be interested in. If you feel that the current promotional offer is a not really good for you, you might want to wait a little while, because it will likely change. There are some things that you can generally expect with your providian credit card:

– No annual fee
– Low introductory rate
– 24/7 customer care service
– No liability for fraudulent transactions
– Many different card options

Seems like an interesting offers right? With those benefits I’ve mentioned above, the most important point for me is about the protection for fraudulent transactions. It’s nice to be sure that my credit card is safe and I am the only one who have the rights to make transaction with it. There are also some other benefits that come with some of the Providian offers out there. Most of that depends on which card is selected, or which card you qualify for. If you have good credit, there might be several different offers that you can choose from. So don’t be late, get your providian card through the creditcard flyers!

On the previous post we have discussed about the benefit and comparing about the APR (Annual Percentage Rate) from the credit card flyer products. The APR is what you will pay on what you purchase when the incentive period runs out. APR rates will vary among credit cards, so it is always in your best interest to compare and shop around. The lower APR rate you get, the better off you’ll be. When you make that final decision and choose your credit card, you should always make sure that you know exactly what you are getting.

Credit cards are great to have, although they can lead to your own downfall if you don’t choose and use them carefully. If you put some time and research into choosing your credit card, you’ll find the best one for you. As long as you take care of your credit card and pay the bill on time, you’ll help raise your credit score and eventually be able to purchase even bigger things – such as a car or even a house, and sometimes the credit card company gives you a reward or appreciation with the ‘promotional’ feature of credit cards for excellent credit.

And how do you get a good credit score then? Here is alittle clue on how your credit score is examined:
- Repayment History
The more on time, of repayment of your credit will increase the score for this side, so you should always pay the bill on time, never go too late more than a week.

- Amount of Credit
Is how much your spending on the credit account, I think it’s a variable and doesn’t mean that higher value will result higher credit score, back to point one, it’s about the payment. No matter how much you spend, as long as you have consequent to pay the bill, it’s okay.

- Your Income vs. Credit
Your personal records of your income, comparable with your credit

- Your Address History
Do you often move or settle in one place? this will affect the scoring as well.

Other scoring point is also taken from How Long You Have Had Specific Types Of Credit (the longer the better), Judgments, and Bankruptcy records. Hope you can fill up those aspects with good value so you will get the benefit of excellent credit.

Multiplayer Massive Online Role Playing Games (MMORPG) is hot nowadays, as I can see my youngest brother is so addicted on playing WoW (World of Warcraft). It’s not a free game I think because he has to buy wotlk online to continue with the game. He also really interested on wow battle chest which is also sold on the site.

I told him not to spend so much money just for warcraft game time code because he is a college boy and right now he has to work for his essay to take his graduation, but meanwhile he still play this game everyday. What can I do then? Am I have to take over his account and play it myself? Perhaps I’ll consider about it because I think it’s a good game!