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Your
Cutting-Edge credit card for people with bad credit Resource
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Resources
Put Your Money To Work With Cashback Credit Cards
By Morgan Hamilton
Are you interested in applying for cashback credit cards? Before you apply for this type of credit card, it is important to know that the majority of the best cashback credit cards require that an Read more...
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Resources
Save Money on Gas with Multiple Credit Cards
By Jeremy Biberdorf
If you’re serious about saving money on gas, consider using more than one credit card. You can exploit all the benefits of each card. Then when you reach the rewards limit, simply switch to using Read more...
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Resources
The Avantages of Using Travel Reward Credit Cards
By Morgan Hamilton
If you travel frequently, you can surely benefit from travel reward credit cards. However if you only travel once in a while, you may find that the benefit of these credit cards is offset by high APR Read more...
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The extension of funds issued by a bank that allows a consumer to purchase goods or services from a merchant. The consumer then pays back the bank either in full or in installments, at an interest rate determined by the bank.
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#Welcome to
i-prosper.org/Bank/Credit Reviews & Reports - your comprehensive credit card for people with bad credit
resource.
Below, you'll find extensive information
on leading credit card for people with bad credit articles and products to help you on your
way to success.
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How To Deal With Credit Card Mail Offers
By Peter Kenny
If you are annoyed by the constant card junk mail that you receive, then you are not alone. People all over the country are receiving literally dozens of cards offers every year, most of which are misleading or not applicable to them. If you want to know how to deal with these card mail offers, then here are some tips.
Why get so many?
Whether or not you have a lot of cards, you get sent so many offers because of your specific rating. Whether you have a good or bad rating depends upon the types of offers you get, but whatever your rating you are a target for card companies to be sent offers. Some people will receive nearly 10 of these offers every month, many of them duplicates.
Bait and switch
Although some of the card offers you get might seem tempting, they usually not what they seem. Most of these offers employ the technique known as ‘bait and switch’. This is where you will be offered a great deal in the mail such as ‘ you are pre-approved for a card with up to £25,000 limit’, but when you fill in the paperwork and send it back you only get £1,000 at an incredibly high interest rate. This is not illegal because they only said ‘up to’ a limit and so even if they had refused you it would not be against the law. This technique may not be illegal but it is clearly immoral. This is one reason why you should avoid such offers.
Opting out
Although it isn’t the easiest thing to do, you can attempt to opt out of receiving these mail offers. There are companies that you can apply to that will help you to be removed from these mailing lists, although you are still bound to receive some offers. You can always try calling the companies themselves and asking them to stop sending you mail, although this usually falls on deaf ears.
Keeping your identity safe
Even if you don’t want to look at any of the offers you get through the post, it is important that you properly dispose
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Here are some more quality articles in several
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of the offers you get. If you simply throw the offers in the bin, then someone could take them and apply to the cards you have decided not to look at. Before you know it you could get a bill in the post for thousands of pounds for a card you didn’t even apply for. Make sure you shred or tear up all card mail offers to protect yourself from identity theft.
Don’t dismiss them all
Although most of these offers will not be worth looking at, you shouldn’t simply throw them all in the bin. There really are some genuinely good deals to be had from card mail offers. This is especially true if they are from a company which you have a card with, as they might offer you preferential terms. If you are careful with card mail offers and can separate the good from the bad then they will be a benefit to you rather than a constant annoyance.
Peter Kenny is a writer for creditcards-gb.co.uk Please visit us at Compare Credit Cards and 0% Balance Transfers
Visit www.creditcards-gb.co.uk
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