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Credit Card

Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT and find a reputable fast credit repair program.

There are only a limited number of credit cards for individuals with bad credit. At first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current bad credit credit cards bury in the fine print. Of the three major cards I will examine, only one stands out as consumer-friendly.

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Bad Credit Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However for this fast credit repair technique, the first fine print glimpse reveals that there is a one time setup fee of $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, we’re up to $124 in expenses. That’s got to be it, right? No. Add in another $48 for the annual fee and $6 per month in account maintenance fees. That’s brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad credit.

Bad Credit Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This can’t be good. But the setup fee is only $29. Maybe this card isn’t so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107. Maybe we’ve found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.

Bad Credit Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuers review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So far, the cost of this card ranges from $35 to $128. Now its time for the monthly maintenance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit card is $128, about half of what competing cards are charging.

Clearly with credit repair, there are substantial difference between bad credit credit cards. Of the three offers we have examined, only one doesn’t take you to the cleaners. In fact, bad credit credit card #3 provides great value. All positive changes to your credit history and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path to rebuilding credit has its costs, but in the long term, rebuilding your credit with a bad credit credit card is the fastest and most cost-efficient way to correct the often unfortunate circumstances that have damaged your credit in the first place.

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Marketing Strategies

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  1. Explore New Advertising Methods
    The first sign that you might need to explore new marketing strategies, is a sharp decline in the effectiveness of your advertisement campaign. Yeah, you shell out a lot of hard earned cash to advertise, and the public turns its nose up! Don’t wait until your profits are plunging to start hunting for new marketing strategies. The most productive metric is inbound marketing that is generated from SEO and the Orlando SEO Consultants are the Orlando SEO Experts that can help you with your search engine optimization.

Keep searching for the pot of gold. The whirlwind of change that continuously sweeps through the marketplace offers great opportunity for discovering new advertising mediums. Be on the lookout for one that will set you up for brand new heights of success.

Here’s the rule of thumb for advertising: Keep 80 percent of your advertising budget invested in the “tried and true” methods that bring in a steady flow of profit, and invest 20 percent into the exploration of new ways to get your message to potential customers.

  1. Be On The Lookout For New Markets
    Be alert! Diversification is the key to staying on the cutting edge of an everchanging marketplace. You’ll be insulating yourself against the effects of these changes by continuously changing as well. And hey… you never know when a brand new market will translate into millions of dollars in sales!

You don’t have to go out on a limb to reach new markets. There are marketing niches within the market you are currently dealing with. Think of it like this…your market can be subdivided into several narrowly defined markets. A Multi Level Marketing company may notice that many of its prospects are stay-at-home moms and retirees. Hey a few advertisments directed at the right people…two additional Web pages targeting stay-at-home moms and retirees linked to their home page…and they’ve effectively customized their markets and are likely to see a 20 percent increase in sales.

  1. Invest In New Products or Services
    Have you noticed a continuously progressing slump in the sales and profits of a product or service you currently offer? It’s no sweat if you have other products and services to fill the gap. Keep a sharp eye out for new products and services that complement what you already have to offer.

A bridal shop owner may have a humming business that sells gowns and veils, but what about tuxedos? Wouldn’t it be easier for the wedding party to get everything in one place? Tuxedos aren’t just for weddings…proms and parties call for bow ties and tails as well. The potential is expansive.

Yeah, you don’t have to be intimidated by clever competition and new technology when you stay on the edge, and make changes with it. Try these 3 strategies to keep you sales numbers vibrant and climbing!