Is 7.4% apr good on a credit card??
Answers: Not when you can pay cash and live debt free.
yes
but be sure it's a permanent rate, not introductory and not variable.
be sure there are no annual fees, membership fees, applications fees, etc.
Then be sure to pay on time, because they'll probably jack your rate to 25% or 35% the first time you're late.
If you are going to carry balances, which is not the ideal situation, then yes. It's better than most. You can probably still get a better rate from the bank by simply asking for a lower APR.
Pay cash... easier said than done but why let these bazillionaire banks make more money off of you?
its very good.
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http://www.bestcreditrates.net
Looking for totally free credit report contained by Canada, in need using credit card?
can anyone help meAnswers: Contact them and they will ask you to transport proper identification so that confirm your identity and convey your free credit report. This free credit report will not include your FICO score. I would suggest that you spend in the order of $25 each and gain your Credit reports online with your FICO mark. It is very capably spent money.
Equifax Canada
National Consumer Relations
P.O.Box 190, Station Jean-Talon,
Montreal, Quebec
H1S 2Z2
877.323.2598
https://www.econsumer.equifax.ca/ca/main...
Trans Union Canada
P O BOX 338, LCD1
Hamilton, ON
L8L 7W2
800.663.9980
http://www.transunion.ca/
The other answer was 100% correct, but nearby are a few other options.
First you can request your free credit reports by cellular phone (they will arrive by mail) from the two big credit bureaus (Equifax and Transunion);
1-8OO-465-7166 (Equifax)
1-8OO-663-9980 (Transunion)
Then you can use an online FICO calculator to guestimate your FICO score);
http://www.bankrate.com/brm/fico/calc.as...
You'll have to establish your credit report by mail for NorthernCredit (Experian), here are instructions on their website (they're well hidden).
I'd recommend looking over the free credit reports for any errors and correcting/disputing them previously spending any money on your online (FICO) included versions.
You may appendage up going back and forth near the credit bureaus a few times before everything is cleaned up and sorted out (with respectively successful dispute they will send you a "revised" copy of your credit report), and near is no point spending money before you enjoy to.
Good luck!
Will credit cards soon become the card of the "past", since masses are switching over to debit cards?
Current data suggests that debit cards are more popular beside consumers than credit cards. A recent TNS Financial Services Consumer Credit Card Program Study indicated that over 60 percent of consumers prefer using debit cards to credit cards as a payment vehicle, because debit feel more like "tangible money."There are reasons that debit cards enjoy become the plastic of choice for many consumers. Debit card payments come out of a checking information immediately, alleviating concerns over credit card bills and interest rates. Since debit cards are related to a checking account, they can restrict purchases to items cardholders are able to pay envelope for at that moment, unlike credit cards. As such, debit cards may be a good likelihood for those Americans that are carrying a debt load.
Answers: I believe credit cards will be around for a long time.
You can actually construct money by always paying your credit cards contained by full before the due date and next cash within on the cash rewards programs.
I enjoy 2 credit cards that I use every month for just around everything, pay them contained by full every month and last year they rewarded me over $300.00 so I could use their money interest free.
they prefer debit card to credit cards because. if you use debit cards - that means you own money in your checking statement --- so, of course everybody prefers have money in their checking vindication.
and no, credit cards will always be around...because in that is always somebody that desires money - and doesn't have it on foot.
i've never been a credit card creature - but, sometimes in energy - you might need it.
The individual people debit cards are 'new' for is the US. The rest of the industrialized nation have have these for awhile.
Personally we have our mound debit card, as well as a CC through our sandbank as well. We use the CC to collect points. Also our hill account have a fee for maximum # of transactions so using the CC allows us to avoid these monthly fees.
I one and only use my credit card because i get rewards. And i never keep hold of a balance or earnings them anything for interest. People who cant budget themselves using a credit card are dumb.
edit: i deduce i am ive been remunerated over 350 over the last 2 years to use other people's money for free.
People will other need credit for abrupt expenses. Some people fetch less bread and carry a debit card explicitly re-loadable or a debit card you get through a sandbank account.
http://www.creditfast.com
As long as here are people likely to buy stuff with money they don't own, and don't have the mercy to save-now-buy-later, there will be credit cards.