The Hot Spot Bot

Credit Repair Schemes and Scams vs Credit Repair Attorneys

Unlike the services offered by credit repair attorneys, many companies suggest options that are questionable and some which are downright illegal. There have been reports of “credit repair clinics” and specialists which do nothing but take consumers money and then close up shop quickly. If you are interested in legal credit repair, your […]

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service used in the banking industry. The members consist mainly of Banks, and Credit Unions, but can include other types of Financial Institutions.
It provides its members with what it calls deposit account verification services. The members use the information that ChexSystems provides to identify applicants that […]

What Does a “Universal Default Penalty” Clause Mean On My Credit Card?

You apply for a credit card that has an advertised 10% APR. The card is approved and you spend money on it. Some months later you notice that the interest rate cannot possibly be 10% APR but is nearer 30% APR. You immediately claim you have been cheated; but the credit card provider counters that […]

Credit Cards Are Like Loans

Credit cards! If you’re like most people, you probably love them some times and hate them other times. They can be a great way to manage your finances and they can be a terrible bill to get every month.
But credit cards aren’t all bad. If we could live our lives without them, we would. But […]

Airlines Credit Card - Which One?

We’ve received many inquiries regarding an airlines credit card, which one is the best to accumulate air mileage points. First off, if you’re looking at a credit card specifically to acquire mileage, we commend you; however, if you’re looking at a credit card to get yourself into debt, we don’t recommend
that you get an […]

Guide for a Successful Credit Card Balance Transfer

Credit card balance transfer is a good way of consolidating your credit card debt. It is also the best way to avoid the possible problem that your debt can give. With the high demand of these credit card transfers, companies are competing with one another to get your business.
Before you get a credit card balance […]

Details Of The JetBlue Credit Card Application

The JetBlue Card from American express is for member is travel frequently using JetBlue Airlines and would like to participate in the frequent flyer rewards program. With this program, cardholders earn one Award Dollar for each dollar they spend using the card. When the card is used on JetBlue flights, restaurants, movie theaters, gym memberships, […]