Financial Future

There is a lot of credit card customer that suffered with bad credit or difficulties in conduct payment just because they made a mistake while choosing the right credit card. They might not compare between one and another available credit card when they were order it in the first time. If you are looking for the great credit card that would be able to serve your needed expenses, you may try to visit Comparecards.com right before you conduct order.

This website address is dedicated to show the comparison between one and other credit cards. The customer will be able to compare the features of their preferred credit cards through the available comparing tools. This action gives opportunity to the credit card customer in finding the best credit cards that might be suitable with their needs. The customer will also able to read the review of each credit card to understand the detail of credit card features.

Feel free to visit this website address and read the entire information in order to find high quality of credit card through compare credit cards tools. You will never feel disappointed whether you find you already compare the entire available credit cards and find the best one.

Por ejemplo, BBVA Bancomer está enviando cartas a sus clientes que tienen planes de pagos en sus Tarjetas De Credito que “si realiza en pago en sucursales Bancomer, indicar al personal en ventanilla el destino del pago anticipado que realizará, es decir, deberá indicar cuánto de su pago será aplicado a su ‘Plan de Finanzas Ajustadas (PFA)’ y cuánto a su saldo revolvente en caso de tenerlo”.

Más abajo en la carta indican que “si sólo realiza el pago sin especificar lo anterior, el pago anticipado que realice quedará como saldo a favor en su revolvente y será aplicado a las mensualidades del ‘PFA’ conforme se vayan requiriendo mes a mes en los siguientes estados de cuenta, a menos que fuera absorbido antes por nuevas compras”.

El problema es que aquellos clientes que hagan sus pagos a través de otros bancos, ya sea vía electrónica o en sucursal, de cualquier forma se ve obligado a acudir a una sucursal de Bancomer a pedir que tanta cantidad del pago se vaya al saldo revolvente y otra determinada cantidad al PFA.

Sin embargo, de acuerdo con el artículo 10 de la Ley para La Transparencia y Ordenamiento de los Servicios Financieros “en los créditos, préstamos o financiamiento que las entidades otorguen, el pago de los intereses no podrá ser exigido por adelantado, sino únicamente por períodos vencidos”.

A pregunta expresa, BBVA Bancomer aseguró que las nuevas disposiciones para algunos de sus clientes de tarjetas de crédito no violan este artículo.

Pero ¿si no puedes acudir a la sucursal a pedir que se destinen las cantidades, no te están obligando de cierta forma a pagar intereses por adelantado?

Adicionalmente, conforme al artículo 17 de la Ley de Transparencia, los bancos tienen prohibido llevar a cabo prácticas discriminatorias, como “los actos que se realicen para no permitir a sus clientes utilizar la infraestructura de otras entidades o desalentar su uso”.

BBVA Bancomer también asegura que sus nuevas disposiciones no violentan la ley, ¿tu qué opinas?
Para la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef), al menos sí se le está complicando la vida al cliente para cumplir con el pago de sus adeudos.

La mayor institución bancaria en México, medida por sus activos, aseguró que estos PFA o Planes de Finanzas Personales se están otorgando a clientes en el caso de que tengan “algún problema para pagar su tarjeta de crédito” y no califican como reestructuras.

La Condusef está trabajando actualmente en una nueva regulación que permitirá a los usuarios antes de que termine el primer semestre del año, enviar un oficio a su banco para avisar al banco que se quiere cancelar la tarjeta y dejarla en un régimen que se llama “terminal”, esquema que se puede utilizar cuando se quiere cancelar el plástico, pero no se tiene el dinero para saldar el adeudo de inmediato.

Esta nueva disposición evitaría que los bancos puedan cobrarle más comisiones al deudor.
El caso de BBVA Bancomer es sólo un ejemplo, algunos meses atrás vimos el caso de un deudor de Santander, quien tuvo que acudir a la Condusef para que le respetaran lo prometido.

¿A ti, con la institución bancaria con la que tienes tu tarjeta de crédito te facilitan o dificultan el pago de tu deuda? ¿Ves conflictos entre lo que te dicen en la atención telefónica y lo que te dicen en sucursal? ¿Has logrado que te atiendan o te resuelvan los problemas? ¿Cómo calificas el servicio que te dan como cliente? ¿Qué quieres decirles a los directivos de estos bancos?

We always need credit card in our daily transaction. It gives us the easiness on paying our transaction. Even though we do not bring large amount of cash money, we can still buy things with our credit car. However, it is better for us to get the right credit card, so we will not get any trouble on the payment.

If you have good credit report, you will not have any problem on applying for new credit card. However, having bad credit gives you problem on finding the right credit card. Most credit card issuers use credit report to approve credit application. It does not mean that you cannot get offers of credit cards for bad credit. Some issuers provide credit cards for people in bad credit. These offers might have higher interest rate, but it will give you the chance to make new transaction on your credit card again.

These bad credit cards are offered for people in bad credit only. You can repair your credit with these credit card offers. You get fresh start on your credit, so you can make new transaction and build your credit from your credit payments. Taking the right credit offer will help you to improve your credit and have good credit report.

Don’t just think that debt problem can’t be solved because there are several ways to reduce this problem. It is true that the problem is difficult to solve and you need to find the best way to solve it. For your information, most people are afraid if they have a credit problem. Credit problem started with the failure of paying the monthly payment and also the interest rate.

In fact, if we can’t pay it the level of the debt is increased and it can caused bankruptcy in the same time. In this case, DebtFreeDestiny.Com has the way to reduce credit card debt. They show you two kinds of ways the first one is debt settlement and debt counseling. Debt settlement is one way to reduce your credit card debt. On the other hand, debt counseling is the way you consult your debt problem. It is necessary for you to have a personal counselor because this is a serious problem. Even, sometime it needs more period of time for you to solve this problem but it is ordinary to free from the problem.

They also show you the way to have debt relief in short period of time. For this matter, you will need some knowledge and your counselor will teach you how to reduce the debt and even free from it. In stead of that, the expert also shows you how to manage your money. In fact, the key to avoid your debt problem is on how you manage your money. For example, you can use credit report to see the condition of your financial. It is useful for you because you will know earlier if there is something wrong your money. Just choose the right credit card terms that suitable with your financial condition. Hopefully with certain tips above you can solve your debt problem as soon as possible and say no if you thing that the credit card can make you in a trouble.

Because credit is something that is so important, but also sometimes confusing, we are going to lay everything out for you, in simple terms.

We’ll also show you how to get the credit you deserve, how to make the most of your credit, and ways to improve your overall credit rating, no matter where it is now.
For years, the conventional financial wisdom was “credit cards are bad.” We were told that cutting up our credit cards was the only way to free ourselves from debt-ridden indentured servitude. People needed to “live within their means,” and if credit cards were ever to be used, it should be “only in the case of an emergency.”

This conventional “wisdom” turned out to be not only untrue, but hurtful to those who listened to it. The truth is that credit cards are our friends. They are our allies in building credit. How easy do you think it is it to qualify for a home loan when you’ve never even had a credit card? Responsible credit card usage shows potential lenders that you’re able to manage your finances. What’s more, an intelligent credit card user turns the interest game on its head, and actually uses his credit cards to give himself interest-free loans.

Use Your Credit Cards to Earn Money For You

In order to get the most out of your credit cards you need to use them, and use them frequently. If you have two cards with $500 limits, you might want to nearly max them out each month. Set one card up to pay your recurring monthly bills (cable, cell phone, auto insurance, etc.), and use the other one for gas and grocery purchases. If you have cards with much higher limits, say $5,000 or $10,000, then maxing them out each month probably isn’t a good idea, but you should use your credit cards to the fullest extent possible – and you should pay them in full every month.

Say you have a $90 cable bill due on the 3rd, a $110 cell phone bill on the 12th, and $150 in auto insurance premiums due on the 15th of each month. You “pay at the pump” using your credit card on the 4th, 11th, 18th, and 26th, spending a total of $165. That’s a total of $515. But here’s the beauty – your credit card company sends your statement on the 1st, but doesn’t require payment until the 15th. This means that the charges of $515, some of which date back to the third day of the previous month, aren’t due until the 15th of the next month. Since interest is only charged on the unpaid portion of your monthly balance, this represents a month-and-a-half interest-free loan! If you have a $1,000 credit limit (or two $500 credit cards), you can continue charging on the card into the second month before ever paying for the first month’s charges.

What’s the big deal? Well imagine you had $1,000 sitting in a money market savings account yielding 5 percent. Your money would be earning interest for you. In essence, you would be earning money each time you used your credit card.

Balance Transfers – Another Way to Turn the Credit Card
Game on its Head

If you have a higher credit limit, credit cards can be used for the short-term financing of larger purchases. Say you had a $10,000 credit limit and you wanted to buy a new sofa for $2,500. The financing options at furniture stores are normally rip-offs, so why not finance the purchase yourself? You could have an interest-free loan for up to 45 days (maybe 60, depending on your credit card’s “grace period”), during which time you could save the money to pay off the entire amount, or at least a portion. And the best thing about your mailbox being constantly flooded with credit card offers is that oftentimes you can transfer existing credit card balances to new cards with introductory interest rates of 0 percent!

For example, imagine you purchased a used car for $9,000 – completely on your credit card. Conventional wisdom would say this was a terribly foolish thing to do, but you know better. You have already been offered and approved for an additional card with a $10,000 credit limit, and an introductory interest rate of 0 percent for one full year. After making one payment on your existing card’s balance, you transfer $8,500 to your new card, where you can pay it off in full with 12 payments of $708 – all principal, no interest. After that, you’ll own the car, debt-free.

If the $708 was too much for you, you could pay less each month, of course. An even riskier, but potentially rewarding strategy would be to pay as little as possible on the new card, and then hope for another 0 percent introductory offer coming in the next year. There’s nothing illegal or even unscrupulous about playing the credit card game this way – it only makes financial sense. Credit card companies exist to make money from your mistakes, but if you’re a vigilant consumer, you can invert the game and make money for yourself! What’s even better, if a bit strange, is that the credit card companies will find you all the more desirable. So the next time you read an article in which the financial guru tells you to tear up your credit cards, do yourself a favor and tear up the magazine instead.

James
http://www.CC-YES.com