Credit Card Offer
HomeContact UsTerms & ConditionsPrivacy PolicySitemap



Airline rewards MasterCard
Auto rewards MasterCard
Cash rewards MasterCard
Gas rewards MasterCard
Hotel rewards MasterCard
Retail rewards MasterCard
Travel rewards MasterCard


Low Interest Rates MasterCard
Low Intro Rates MasterCard
No Annual Fee MasterCard
Fixed Rates MasterCard
Business MasterCard
Poor Credit MasterCard
Pre-Paid MasterCard
Regular MasterCard
Secured MasterCard
Student MasterCard
Chase reward MasterCards

Home > > Financial rewards platinum plus extended warranty benefit

Financial rewards platinum plus extended warranty benefit

A relatively Rewards credit cards newer concept in the lending market has been the emergence of brokers. The role of a broker becomes all the more important in an adverse credit mortgage or mortgages aiming to meet specific requirements.

A broker is different from a lender. While lenders themselves lend to individuals, brokers serve as middlemen between lenders and borrowers.Brokers make lending more accessible. It isn’t that individuals themselves cannot approach lenders for their mortgage needs. However, getting the best mortgage is where individuals find themselves hapless. With numerous lenders operating in the UK, choosing one of these will be an uphill task. Had searching finance been the only task at hand, one would have searched, searched and searched. The search however has to be undertaken without upsetting the present work schedule. Consequently, it is best to authorise brokers to search adverse credit mortgage deals.Mortgages requiring special consideration, as in adverse credit mortgage is where the services of brokers come handy. Adverse credit mortgage options are not available in plenty. Since, borrower has suffered a bad credit report, mortgage lenders feel that he/she is habitually irregular in making payments towards his debts. Brokers will help in shopping for the right mortgage lender. These brokers have several years of experience in the field of finance and they know just the mortgage lender who can offer the best deal for a particular set of circumstances; adverse credit in this case.Lenders who offer adverse credit mortgage generally peg the interest rate too high. While at times this is used as a deterrent, on most occasions this will be to profit from the urgency faced by the borrower. Brokers can intervene to bring the rates down. Since the adverse credit mortgage application is forwarded rewards financial extended platinum warranty plus benefit to a large financial rewards platinum plus extended warranty benefit number of mortgage lenders, not all mortgage lenders will have the same intent. Some of them will be considerate enough towards the problems of the adverse credit borrowers. The terms actually prescribed for adverse credit mortgage will be provided to borrowers.Brokers associate with a large number of regulated and unregulated lenders in the UK through an arrangement whereby brokers forward the mortgage application to lenders for a fee. Brokers themselves conduct initial verification for authenticity of leads offered. When individuals themselves approach the lender for adverse credit mortgage, chances are that they will be refused. Brokers however will not be refused finance even when the customer shows very little credibility. At least one lender of the ones associated with will undertake to finance the mortgage application. The change in decision is influenced more by the respect enjoyed by the broker.This brings us to a very important financial rewards platinum plus extended warranty benefit point; i.e. the reputation enjoyed by a broker appointed. There are two kinds of brokers. Brokers of the first category will provide very few offers or the offers will be mostly irrelevant. Example, a borrower looking for adverse credit mortgage gets deals that have good credit as a prerequisite. The other category of brokers, that is also the one that borrowers will desire to associate with, only forward deals that are relevant.Brokers have their personal relationship with the lending organisations. The quality of the deals provided to the banks will have primary influence on the way their customers will be cared for. A broker who is known for offering genuine deals with minimum hassles can get its customers better deals in adverse credit mortgage. The terms are made more lenient. Moreover, amount available on adverse credit mortgage is increased.The way to a best deal has to be routed through a competent broker. It is through the contacts of the broker and to the lenders who Rewards credit cards have been forwarded application that will decide the manner in which adverse credit mortgage performs over its term.2

Apply now Back


Almost everyone has some kind of a credit card. They are a staple of life and used for everything from paying bills to renting a car. Comparing and shopping around for a credit card is very important because it allows you to find the best deal possible. For each type of card available there are many different features which can make credit cards confusing. Comparing will allow you to understand different features and which ones will work best for you.

The first step to comparing credit cards is to determine your basic needs. This will allow you to know exactly which cards you should look at and what features may benefit you the most. There are cards that have rewards where you earn credits or miles for purchases you make that can then be used to buy merchandise, get discounts or for traveling. Fees are another consideration. If you plan on paying off purchases in full each month then you may not be concerned with grace periods or interest rates. If you will most likely carry a balance you will need to look at interest rates and other fees. Having a good idea of what you want will help you to sift through the many card options.

The costs associated with credit cards are perhaps the biggest variance between cards. Annual percentage rates or APR’s vary greatly from one company to another. There are also numerous fees for cash advances, late payments, balance transfers and other finance charges. Some cards also have an annual fee that is paid once a year just to keep the card. It is very important to understand all the terms associated with fees and to consider how they may affect you. Grace periods are important if you are wanting to pay off the balance quickly. The grace period is the amount of time you have before fees are charged on your balance. Fees and interest are often the cause of credit problems related to credit card use, so understanding these are very important before choosing a card.

Credit card companies are becoming very competitive and trying to entice customers with deals associated with their card. Some cards include perks like travel insurance or rebate rewards. Some credit card companies offer customers rewards through pairing up with another company. These pairings allow customers to earn rewards by using the card when they do business with the other company. Perks are a tactic the credit card companies use to draw customers to using their card.

Comparing all the factors, from fees to rewards, will help you get an idea of which offers the best deal. You should carefully consider how you plan to use the card and read through all of the information about each card. With so many credit offers out there it is easy to become confused and just pick any card. To get the most out of your money, though, you should always shop around and compare.

Money… If you have a lot of money then you probably don’t need to read this article…or, do you? If you only have a little money or you are broke, this information probably won’t help you…or, will it?

Whether you have money or not, the chances are that you have some kind of credit debt like a home loan, car loan, credit cards and the like. But do you have a savings account? Are you able to save any money from your income? If not, here’s a tip you should keep in mind: Pay yourself 10% of your income to a savings account before you pay anything else and here’s why; you are your most important utility. It is you that gets up and goes to work everyday, it is you that manages the household, the bills and other responsibilities in life. Without you nobody gets paid…not the mortgage, not the car loan, not the bills and other debts.

You are your most important “service provider”. Saying that you don’t have enough money to save 10% every week is not a good argument... the world is a vampire…the more money you make, the more the world takes one way or the other. You have to draw the line and understand that generating an income for yourself and your household is just as important a service/utility as having lights. Try to pay yourself first because without you, nobody gets paid. You owe it to yourself to save 10% of your income because that is your reward for working and generating that income.

Do you realize how important savings can be to your decision making and economic power? Here’s a helpful example of the power of saving called CD financing. By having a savings account with $2,500.00 to $5000.00 or so (at least) in savings, you can put that money into a CD (certificate of deposit) and use that CD as collateral at your local bank to borrow a secured loan with an interest rate 2-3% over the CD rate. I’ll explain... A CD is a cash-based investment instrument where you give the bank say, $5,000,00 and they give you a “certificate” of deposit (CD). The CD pays a better rate of interest than a traditional savings account during the term of the CD which may be 90 days, 6-months, one- year, two-year and so forth. Let’s say you have a $5,000.00 CD and you pledge that CD as collateral for a $2,500.00 loan from the bank.

Remember; rate is a function of risk and by borrowing money against your CD in this way you are providing the bank 100% cash collateralized no risk loan. Let’s say you have a two-year CD is paying 3% interest…there is virtually no reason why you can’t get a two-year loan where you are paying 5-6% interest because it is secured by the CD for the term of the loan. Now, in this example you have $5,000.00 CD earning 3% interest per year and a loan for $2,500.00 at 6% interest per year…which is a very low interest rate loan (and) the interest earned by the CD basically cancels out the interest paid on the loan! Other benefits of using a CD to collateralize a loan are as follows: First, if you took your savings and bought something, the money is gone (.) By using the CD financing concept, you get the money you need and you still have the CD asset, which is earning interest. When the loan is paid and your CD matures you still have your original money!

Other benefits include the fact that you can structure the loan so that you are not obligated to make a monthly payment under this arrangement. You can set up the loan with your banker…if you make some payments or no payments during the loan/CD term, you simply cash out the loan from the proceeds of the CD when it matures. OR you can roll the CD and the loan over for another year or two. This is an intelligent way to borrow or rebuild credit ratings even after a bankruptcy. This is one example of how you can benefit from saving money. It gives you power to make decisions…to be your own bank. So the next time you hurry to dish out all your income to pay bills, stop and think about saving 10%.

Copyright © 2006 James W. Hart, IV All Rights reserved

Copyright 2007, creditmagik. All rights reserved!