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 most credit union can give better 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 one 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 «Read More MyCredits »
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 ? 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 »
There’s a lot of way to build credit score, or to improve your credit! for person that have no credit history, they best way you can do, is by getting secured Credit Cards! because that’s the easiest way you can do! this is good for college student or person that never make loan or debt with financial company! but if you already have credit history, though your credit are not good, and always make mistakes such as, not pay on time, too many cards, debt utilization exceed more than 80% and etc(bad Credit), you can try with credit «Read More MyCredits »
Chevron and Texaco Credit card are they worth it ? well, to be honest, not really! because their APR are a little bit to high from average! it’s about 27% for purchase and 29% for cash advances! $25 for annual fee, 5% for transfer fee and cash advances fee! so basically Chevron credit card, almost same like wall mart, Best buy. ebay or Conns, Credit cards, but I am not surprised with their APR since Chevron credit card, are targeting their loyal costumers! so I am sure most of them don’t care about 27% APR! 🙂
Although their APR «Read More MyCredits »
What is credit line ? credit line mean credit limit, it’s like term that most financial company will use to impress everyone! 🙂 to be honest most of financial industry actually have cool term! and the reason why they do that, simply because they want cool name! i.e to make that industry to be admirable! 😀
yep! sound corny! but it’s true! 😀 for example if you watch carefully most forex industry most of the time, using weird language! e.g leverage, Spread, Hedging, Pivot, Carry, etc bla..bla..bla..! the idea is to impress rich people! because what most trader «Read More MyCredits »
To increase credit limit up to 1 Million dolar, actually it’s not that hard! because all you have to do is play nice and smart! the trick to increase credit limit basically based on Banker mindset! 😉 because most of banker always thought more limit mean more profit! 🙂 well, I am sure, some of banker will think that way! just FYI, thousand people already try this tricks! so if you haven’t try! my suggestion is, try with small and see the effect! 😉 after that. you know what to do next! 🙂
remember Guys! this trick are «Read More MyCredits »
Best Buy Credit card APR for purchases are about 24% for cash advances about 27% annual fee $59, cash advances fee and transfer balance about 5%! so, basically their credit card interest and fee are a little bit to expensive! even though if you have their credit cards you can get many rewards, such as cash back, discount, rewards certificates, and etc!
For retails credit cards, and department stores! most of them have average APR more than 20% so actually Best Buy APR are quite average if you compare with other company! but of course, if you compare Best «Read More MyCredits »
Vons credit union are they really better than Banks ? well, it could be true! because most credit union have low APR than any bank! except 1 banks! 😉 Vons can give APR for credit cards better than citi! i.e 9%, for new or used auto loan they can give as low as 1.99%, and for mortgages their rates are about 3%-4%! so basically yes, credit union can give better rates than any bank can give! although they also have restriction! but for loans and credit, credit union are the one you should choose than bank! unless you don’t «Read More MyCredits »
Genisys credit union are they really Good! well, they have low APR for credit cards, about 9%, Auto loans 1,99%, personal loan 6%, and 3% for home equity ! to be honest, their APR for average credit union are not bad! I guess! I mean some credit union sometime only give 10% for credit cards! but I already seeing some credit union out there that can give APR as low as 5%! sound crazy! but that the truth! so basically Genisys credit union interest rate are just average!
But for auto loans their rates are very good! cause If «Read More MyCredits »