Low Interest Credit Cards

If you are the victim of a fraud on your card, and the fraudster has your PIN number, you may find it difficult to get a refund from your bank.

Despite the fact that banks are suppose to refund customers immediately, if the customer says that he or she has not authorised a transaction, the banks will not do so if there is evidence of recklessness or fraud.

This includes leaving your PIN number lying around or letting other people know it. You may find, that if a fraudster has your card and your PIN, that the bank argues that you must have been negligent for someone else to use your personal number.

However, there are ways in which a fraudster can get hold of your number without you being careless. These include attaching a camera to an ATM, which films the keypad if you do not shield it whilst entering your number.

Other common PIN frauds include ‘skimming’, where a dishonest employee uses a device to steal your details. Som Read more…

For a limited time, Navy Federal Credit Union is offering a 0% fixed intro APR on balance transfers for 12 months with no balance transfer fees. This offer is valid for balances transferred from other card issuer accounts and cannot exceed $30,000.

Navy FCU offers a variety of credit cards, ranging from no annual fee cash back credit cards to cards offering premier rewards at the cost of an annual fee.

In order to join the credit union, you’ll need to be affiliated with the Department of Defense in some way, or be related to someone who is. (See the eligibility checklist here.)

I want a dog the way other people want their dream job, a baby, or world peace.

I’m the lady who stops you on the sidewalk to pet and click a pic of your stubby Corgi, fluffy Chow Chow, or gigantic Irish Wolfhound. Ten bucks says I’ll know the breed of most dogs I meet.

The only thing standing in the way of me and my little bundle of slobber? About $145,000. Tha

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Verdict: Ebates is one of the most popular and oldest of the shopping incentive websites. The shopping portal was founded in 1999 and remains one of the best shopping rewards websites available to consumers today, with cash back rewards up to 25% of your purchases and a very generous referral program. To maximize the potential of the referral program, you really need a large social network or a blog with good traffic (or both), but the payouts can be incredible.

Sign-up is quick and easy, shopping choices are broad with more than 1,200 partner sites, the website offers intuitive navigation, and if you have any questions, you’ll find the answers on the FAQ page.

If you’re looking for a shopping portal to earn cash for referrals, I highly recommend this one. Of course, again, it pays to shop around to determine where you can get the most cash back. You

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What is the value of good credit? If you’re like the majority of Americans who rely on having good credit scores to help smooth the way when you buy a car, get a mortgage or apply for other types of loans, a high credit score is vitally important.

A conversation with someone at a dinner party over the weekend and recent comments from a friend makes me wonder whether the number of people who don’t value good credit is growing.
The person at the dinner party proudly revealed that he doesn’t have any credit cards (he uses debit cards if he has to book an airline flight) and pays cash for everything, including cars.

He says the last time he checked his credit score was several years ago and it was 540 back then. Credit scores range from 300 to a maximum of 850, so he was on the lower end of the range. These days, you need a FICO score of about 750 or more to get the best mortgage rates. He has no idea what his score is now. But he says it doesn’t matter to him. Read more…