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Home > > 4.99% apr

4.99% apr

In the past, people had to carry large amounts of cash in order to conduct financial transactions, but many people now use credit cards and checking accounts to make their purchases.

Many people do not even have conventional bank accounts but merely use check cashing services to manage their money.Check cashing transactions can be done easily and automatically without a cashier through check cashing machines. These machines are found in many locations such as convenience stores and banks and can often be accessed 4.99% apr 24 hours a day.The advantages of check cashing machines are even greater now that some banks and credit unions have opened up stand alone check cashing operations. Major national retailers such as Wal-Mart and 7-Eleven have launched financial service products that provide this type of check cashing as well as other services such as money wiring and money order sales. The main objectives of this service are to eliminate bad check liability, lines at the cashier, and management headaches.It is undeniable that even stand-alone cashing centers sometimes have long lines. An alternative to this hassle is automated check cashing, which is a good service for those who are carrying a check that they need to cash instantly. Another advantage of automated check cashing is that the system is able to cash almost all types of checks including personal checks, payroll checks, and government checks.2

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You have two or more major credit cards comfortably snug inside your wallet. You are quite proud of them and they seem to act like your security blanket. But are you sure that security is the commodity being offered by the credit cards? The credit cards offer immediacy. That is, you can immediately purchase an item you like using your credit cards. Without the plastic, you will have to scrimp and save for weeks or months before you can afford that certain item. With credit cards, you incur a debt each time you have the plastics swiped. And, looking closely at the debt balance, you notice that it wasn’t reduced much each time you pay.

To get out of a debt or a loan, the best you can do is not to pay your minimum balance. Each time you pay the minimum balance, you are letting the credit card company or the lender take as much interest as they can out of your hard-earned money. A debt of $3,000 may not seem much and you certainly can take care of this in less than six months. But your minimum balance reflected in your statement of account is surprisingly small. You smile. Do you really think that the minimum balance was made small because the credit card company was considerate? Think again.

How much is the total amount you have paid for all your monthly payments for credit cards, loans and debts? Perhaps you have paid more than half of the price of the item that you purchased. Check the debt balance you still need to pay. The balance is still high, after all the payments you have made. For how long will you be paying so that you can pay off the debt? Obviously, it will take you a long time.

To fix the situation and to put you on a more stable financial situation, you need to take steps. The first of these is to come up with a written plan to pay off all your debt. Second, pay much more than your minimum amount. This will significantly reduce the balance. Third, keep your credit cards snug inside the wallet. As much as possible, it must not go near a cash register. Use it only for emergencies, not for a big midnight sale. Another step you can do is to move the balances on cards that charge high interest rates to cards with lower interest rates.

And lastly, never get a payday loan to pay off your credit card payments. Though credit cards charge high rates, the rates of payday loans are even higher.

A consumer is defined as an individual who purchases products or a service for ownership. Just about every adult in America is classified as a consumer because they buy products or use services for their own use. A growing problem with many consumers is the inability to pay for those services or goods. Debt is a problem in America that continues to get worse. The company or individual who the money is owed to is likely to try and find a number of ways to collect that debt.

A consumer debt collection software program is how many businesses or individuals go about getting their money from a consumer. A consumer debt collection software does not actually collect the debt, but it does help to make the process easier. Consumer debt collection software programs are designed to assist business owners with collecting money that a past client owes. These consumer debt collection software programs are a little bit different than software programs that are designed for collecting debt from another businesses. With a wide variety of different consumer debt collection software programs available there is sure to be the right program out there for every business owner that needs to collect past due debt form their clients.

Since each consumer debt collection software program is likely to be different one program may have different features and functions than another. To determine what features and functions a consumer debt collection software program has individuals are encouraged to examine a wide variety of consumer debt collection software programs before purchasing one. This allows business owners to determine if they will need all of the features of a particular consumer debt collection software or if they will need more. Below are some of the most common features found on a consumer debt collection software program; however, it is important to remember that these features may not be found on all software programs.

Special accounting features allows a debt collector to keep track of all of their client accounts. It is not uncommon for consumer who is unable to pay the full amount of their debt to only pay a little bit. Multiple payments can be difficult to keep track of; therefore, many consumer debt collection software programs have an accounting feature.

To request a payment on an overdue bill many business mail out letters to their clients. The majority of consumer debt collection software programs have a collection of letter templates that can be used. Many business owners can customize these letters or templates and then send them out to debtors once they are completed.

Auto dialing programs are commonly found on many advanced consumer debt collection software programs. This auto dialing feature allows debt collectors to save a fairly large amount of time. Simply by clicking the name of an individual who owes debt business owners with a computer to phone hookup can automatically be connected to a debtor over the phone.

Consumer debt collection software programs are used by businesses all around the country. If used property a consumer debt collection software program can be the difference between a company getting paid or not.

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