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Home > > Royal bank visa card 1.9% introductory

Royal bank visa card 1.9% introductory

Are you worried about your credit card or debt card being stolen? Youíre not alone, itís estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen.

Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many more chances too get our information from our cards.Credit card fraud is not new, the companies seem to be getting a head on how to stop the criminals, and then they come up with a new way itís a never-ending problem. Credit card skimming is just one of the problems, that is where they take the information from the magnetic strip and transfer it visa 1.9% card bank royal introductory on to another card. The companies are trying hard to fight back, they have hit back with the chip & pin card, which seems to be reducing fraud but give royal bank visa card 1.9% introductory it time no doubt the criminals will find a way around that.There are ways to help yourself with credit royal bank visa card 1.9% introductory and debt card fraud, below are some useful tips in keeping the criminals at bay.Never let your credit or debt card out of your sight Never keep your Pin number with your card Donít give your Pin number out to anyone When withdrawing money from an ATM machine make sure no one can see your Pin number Check bank statements very carefully any problems contact bank immediately Paying for goods with your card double check the amount before entering Pin Keep chequebook and cards separate at all times Report your lost or stolen cards immediately Make sure you destroy statements and old cards properly, leaving no account numbers visibleThe tips above will help you to fight credit or debt card fraud but we have to be vigilant at all times. As I said earlier with more people paying for goods and services with there cards, it gives the criminals more opportunities to get our information so itís up to us to do what we can. With online shopping becoming very popular a lot of us worry about paying for goods over the net, credit card companies are trying to put our minds at rest. With most of them giving you extra fraud cover most give this cover free, but some do charge you so just check with your credit card company.Credit and debt cards are here to stay so lets hope in the near future that the credit card companies, can rid us of credit card fraud but I am afraid itís big business costing us millions every year.2

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Are you entrapped in the spiral of debt? Do you spend sleepless night because of debt stress?

Well! You are not alone who is facing this kind of scenario. To keep pace with todayís expensive life; most of us fall into the trap of debt, sometimes even unknowingly. Most of the borrowers tend to think that this debt trap is the end of all financial roads. However, the reality is far from truth. Leading a debt free might seem impossible initially, but if you follow some simple steps, it is as easy as anything.

Step 1: Think before you purchase a product. Ask yourself: Do I need this product? How important this product is for me? Try to avoid impulse buying.

Step 2: Make a list of the things you want urgently and the things that you can do without. Make sure to precede all your expenses with a budget.

Step 3: Pay all your bills on time. If you are facing any difficult in paying off the bills, talk to your lenders about it. Honesty always pays. Your lenders will understand your situation and will accordingly plan out a way that will be beneficial for both of you.

Apart from following all these steps, you should also consider applying for a Debt Consolidation Loan. A Debt Consolidation Loan helps you to consolidate all your existing debts into a single loan. It is specifically designed to help you consolidate debts of various kinds, leaving you with a single low cost monthly payment.

A Debt Consolidation Loan can broadly be classified into two types: Secured and Unsecured. A secured Debt Consolidation Loan necessitates collateral against the loan taken whereas; an Unsecured Debt Consolidation Loan doesnít require any collateral. You can choose the type of Debt Consolidation Loan based on your requirements and financial circumstances. A wide number of sources are available for Debt Consolidation Loans, such as, banks, financial institutions, brokers, lenders et al.

A Debt Consolidation Loans can act as a best solution for those who think that coming out of their debt problem is almost impossible. A Debt Consolidation Loan will help you get your debt under control so that you have a single payment to make.

Interest only loans are loans that give you an option to pay just the interest on the loan for a limited period of time. It also gives the option of paying the interest plus as much of the principal you want. The main advantage of this loan is the lower interest you pay each month. They also help to considerably control the monthly payment and cash flow each month. After the initial period, the repayments are raised to fully amortized levels. These loans also allow for a large principal prepayment if desired. Interest only loans can be fixed-rate mortgages or adjustable-rate mortgages.

Interest only loans of longer terms, say 30 years, are especially useful since the extra money that goes as repayment of the principal can be invested elsewhere for a higher rate of interest. Or, it can be used to repay higher interest debts like credit cards. They are also a good idea for people who have taken interest only loans on houses they donít plan on staying in for more than 10 years. This would enable them to pay just the interest as long as they are in the house and then repay the loan when they are moving out. The extra money can be used for meeting unexpected expenses or to finance home improvements. They are a good option for people who are expecting an increase in their income; people whose income is based on bonuses and commissions, and people who invest their savings on interest-only loans.

Interest rates on interest only loans range from 5.875% for a 30-year VA fixed, 5.500% for a FHA 1 year ARM, 5.750% for a FHA 30-year fixed, 7.125% for a 5/1 ARM, 6.875% for a 7-year Balloon and 6.625% for a 30-year fixed. This is all susceptible to change.

However, interest only loans can be risky, since the interest rate may increase after the initial period; the house may lose its value; there may be change in the future income flow, or you may not be able to pay the mortgage for any reason.

With increasing real estate prices, interest-only loans are becoming a preferred option for many. There are also many lending companies that are giving attractive options on these loans. Information about interest-only loans is available on the Internet. They also contain easy-to-use interest only calculators that outline the kind of repayments you will have to make on the loan.

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