Best Credit Card to Build Score

Well, actually any credit cards that have low APR, and no annual fee are good to go! though, if I may recommended to you, Credit cards from credit union actually are good option! there are many reason why you should choose them! first, they have low APR, secondly some of credit union are free from regular Fee! such as, annual fee, cash advances fee, transfer balance and etc!

and Do you know that most Credit Union can give a half interest rates from most average Banks ? yep! they have lower APR than any commercial Banks! from 5-10% APR, for «Read More MyCredits »

Smart Way to Pay Off Credit Cards and save money!

Pay Off Credit Cards

There are many ways to pay off your credit card! Good news is, you can outsmart to pay off credit cards debt with simple step and easy to implement! I am not saying it would be easy, but if you follow my direction, most of the time, it can save money a lot for long run! 🙂 first of all, I assuming, you have a few credit cards or maybe a lot! from department store credit cads, retail store, jewelry or maybe gas station and etc! if you have a lot, my suggestion is, try to pay all your credit «Read More MyCredits »

Best Credit Card To Transfer Balances With No Transfer Fee

credit cards with no balance transfer fee


I assuming you want to pay off  your credit cards debt with new card, with APR 0% right ? so you looking for, the best credit card to transfer balances with no transfer fee! Am I right ? 😉 to be honest, your plan actually almost perfect! because by paying off your previous debt with new cards, that have Intro APR 0% actually could save a lot of money! but of course, your plan would be incomplete if your new credit cards have fee for transfer balance!

Because the idea to save money from new cards, actually by «Read More MyCredits »

Pay Off credit card debt with new Card that have zero APR

Pay Off credit card debt with new Card, is that good or bad Idea ? well, basically that method could work! if new card have better APR than previous, or have Intro APR 0% for 21 month or more! The idea basically is to save interest rate! because if your old card have 20% APR, meanwhile new card can give better rates, lets say 10% automatically you save 10% interest rate! though, your credit cards debt still there, and it will not decrease, the only benefit that you get are only better interest rate and more time to pay «Read More MyCredits »

Unsecured credit cards for bad credit with no deposit required

unsecured credit card for Bad Credit

no worry! actually you can have Unsecured credit cards for bad credit and no deposit required! though it will not be easy to find the good one! 😉 previously I already listed the best unsecured credit cards in here(List of unsecured credit cards for people with bad credit) check the list I am sure you can find that most suitable for you! though I must tell you, most of unsecured credit cards that accept bad credit most of them will charge you with high APR,  High annual fee and etc!

and to be honest, I think its perfectly «Read More MyCredits »

credit union vs bank auto loan

Credit union VS BAnks


credit union vs bank auto loan which one better ? well, if Bank or finance company can give better interest rates as low as 1.99% then you should not choose Credit union! but since mos credit union can give interest rates under 4%! then you know who the one you should choose:) to be honest with you guys, when we talk about credit product, loans, credit cards or etc! the number factor you should choose are from their interest rate! because if they offering low interest rate, mean you sleep well at night! but imagine if you borrow money «Read More MyCredits »

Meriwest Credit Union Credit Card Review

meriwest credit card

meriwest credit union credit card actually have decent APR from 12% to 23%!  they also offering intro APR 0% to 6 month, and for fee cash advances and transfer balance about 3%, and also they offering rewards such as  points, cash back, and etc! to be honest with you guys! 12 APR for credit cards, actually are pretty good, because if you compare with regular credit card company, actually most of them can only give you about 14% APR, so 12% are pretty low!

But! since Meriwest are credit Union and not regular credit card company, so 12% APR actually «Read More MyCredits »

is it hard to get a jcpenney credit card ?

jcpenney credit card


is it hard to get a jcpenney credit card ? well, to be honest not really! I mean most credit cards that have 26% APR most of the time are second tier credit cards, it mean their business core are not focus on credit cards! for example ebay credit cards, amazon, Wall Mart Best buy and etc! as long you have decent score, and not to bad! I am quite sure, they will accept your credit cards! afterall, most people that have excellent credit score, most of the time, they have no interest with 26% APR! 🙂 in short, «Read More MyCredits »