http://www.credit-card-gallery.com/article/search,bad_credit_&_credit_repair Credit Card Articles on bad credit & credit repair from credit-card-gallery.com (C) 2006 credit-card-gallery.com Fri, 06 Jul 2007 11:12:49 -0400 Applying online for credit cards is one of the major advantages internet has offered us in recent times. All major credit card providers give the facility of online application and it is increasingly catching up with the credit card aspirants. If you have applied for a credit card online... http://www.credit-card-gallery.com/article/404,What_to_do_if_your_online_credit_card_application_has_been_refused? 1234567890404 Thu, 21 Jun 2007 06:11:01 -0400 Credit card debt, is not an unusual situation and we can find people everywhere, who are suffering from this very problem. Getting into debt is very easy, just a quick spending spree and you will reach this hell, but getting out of a credit card debt takes a lot of discipline and will. H... http://www.credit-card-gallery.com/article/378,Credit_card_debt:_Get_rid_of_it_by_these_simple_steps 1234567890378 Sat, 09 Jun 2007 06:17:56 -0400 Credit counseling agency is a vital channel between your debt and your creditors. What they do essentially is negotiate with your creditors and reduce your monthly payments and interest burden. But, is credit counseling really that good as it is promoted in various advertisements and cam... http://www.credit-card-gallery.com/article/366,Credit_counseling_agencies:_5_big_reasons_to_avoid_them 1234567890366 Tue, 05 Jun 2007 00:00:00 -0400 The debt situation in USA is particularly grim. According to a study an average American owes about $10,000 in debt and that too at a whopping 14% interest rate. What are the most important things that lead a person to credit card debt? In this article we analyse few of them. 1. Overbor... http://www.credit-card-gallery.com/article/357,Credit_card_debt_in_USA:_3_Important_reasons_why_it_is_getting_out_of_control 1234567890357 Wed, 23 May 2007 01:24:13 -0400 A secured credit card is a special type of credit card issued against a collateral. People with not so perfect credit history find, these type of credit card very useful. Not only such credit cards are easier to obtain but there use is also reported to major credit bureaus and hence they... http://www.credit-card-gallery.com/article/322,New_Millennium_Bank_Platinum_Visa_or_MasterCard:_A_good_secured_card_with_no_credit_check 1234567890322 Fri, 18 May 2007 01:29:11 -0400 Bad credit can be a problem for someone, but many scamsters out there thrive on this very fact. Have you ever heard, read or got a call that says - Erase your bad credit-100% guaranteed, remove bankruptcies from your credit file, FOREVER or create a new credit identity-legally? You are a... http://www.credit-card-gallery.com/article/303,How_to_identify_that_you_are_being_duped_by_a_credit_repair_scamster? 1234567890303 Thu, 17 May 2007 01:47:46 -0400 Finding the right credit card if you have a not so perfect credit history can be quite a daunting task. Bad credit people frequently find that their credit card request are denied by major credit card issuers. A guaranteed approval credit card comes as a welcome relief to all such people... http://www.credit-card-gallery.com/article/295,3_popular_bad_credit_credit_cards:_Get_guaranteed_approval_and_rebuild_your_credit_history 1234567890295 Wed, 16 May 2007 01:39:09 -0400 Don't get dejected when you find a rejection letter in your mailbox. Strange it might sound but the rejection letter brings two major advantages with it. It is a real opportunity, waiting to be exploited, provided we look towards it with the right attitude. Now, you must be wondering that what... http://www.credit-card-gallery.com/article/293,2_major_advantages_of_being_rejected_for_a_credit_card 1234567890293 Fri, 11 May 2007 03:10:10 -0400 People treat credit card debt like a disease. They don't care about it until things get out of hand and considerably threaten their lives. How to eliminate the credit card debt as soon as possible? If this question is bothering you, read on. In this article we present a simple 3 step proacti... http://www.credit-card-gallery.com/article/277,3_step_proactive_approach_to_get_rid_of_credit_card_debt_quickly 1234567890277 Wed, 09 May 2007 03:31:47 -0400 Bad credit can happen to anyone. The reasons could be different but the result is the same. Credit card companies see bad credit people as a good means to fill up their coffers. Without paying attention to how the person got into this grim situation, they enforce their credit card issuing norm... http://www.credit-card-gallery.com/article/272,Bad_credit_credit_card:_Do_you_know_how_the_credit_card_companies_rip_you_apart? 1234567890272 Mon, 07 May 2007 05:17:32 -0400 Debt Settlement, also called debt negotiation is an arrangement between a debtor and a creditor to repay a debt generally for a for a lowered payoff amount. When a debtor is not able to pay the debt any more for any reasons, debt settlement is the only option that remains. Generally, only unsecured... http://www.credit-card-gallery.com/article/216,The_secret_of_successful_debt_settlement 1234567890216 Mon, 07 May 2007 05:16:22 -0400 The credit report in United States is a document prepared by each of the three main credit reporting agencies Equifax, Experian and TransUnion. This report is absolutely essential to get any kind of loan from banks and other agencies. The credit report determines your credit score which is an... http://www.credit-card-gallery.com/article/213,Your_Credit_report_:_5_myths_busted 1234567890213 Mon, 07 May 2007 05:15:44 -0400 As credit card debts pile up, constant calls from lenders start nagging you. Coercive initially, the tone changes increasingly threatening with passing time. Soon, a person with credit card debt avoids and tries to shy away from these calls. But will this solve the problem? No it will only get... http://www.credit-card-gallery.com/article/221,5_things_to_do_when_credit_card_companies_start_threatening_you 1234567890221 Mon, 07 May 2007 04:49:48 -0400 1. Use the credit card only when absolutely essential. Pay your regular expenses by cash or a debit card. This will help you budget and not go overboard with credit card debt. 2. Follow repayment schedules like religion. Don't miss out and invite late payment fees, increased APR rates and blo... http://www.credit-card-gallery.com/article/264,5_not_to_miss_things_for_a_good_credit_score 1234567890264 Mon, 07 May 2007 04:44:08 -0400 With a bad credit and less than perfect credit history, getting a credit card with competitive features is not that easy. In this article we take a look at the 5 major drawbacks that come with a bad credit credit card. 1. High APR With a bad credit credit card the interest rates are reasonab... http://www.credit-card-gallery.com/article/263,5_major_drawbacks_of_bad_credit_credit_card 1234567890263 Mon, 30 Apr 2007 00:00:00 -0400 Credit card agencies when find excessive default in repayments and debt burden increasing with their client, refer the matter to a credit collection agency. This agency specializes in recovering debts. The usual process is that the credit collection agency starts calling you about the debt and... http://www.credit-card-gallery.com/article/253,Stressed_with_credit_card_collection_agency's_calls?_Stop_things_from_getting_worse_with_these_5_surefire_tips 1234567890253 Mon, 30 Apr 2007 00:00:00 -0400 Credit history and credit score if good can get us good loans and credit cards at better terms. We make a lot of efforts to remain in good books of credit rating agencies. But little things such as those listed in this article if not taken care can do serious damage to a person's credit histor... http://www.credit-card-gallery.com/article/254,5_small_mistakes_that_cause_big_damage_to_a_person's_credit_history 1234567890254 Sun, 29 Apr 2007 00:00:00 -0400 You applied for a loan or credit card and a few weeks after were shocked to see a rejection letter in your mailbox. What went wrong? The letter says your credit history isn't perfect to get you that loan. What to do now? Don't panic. These three simple steps can get help you deal with the cred... http://www.credit-card-gallery.com/article/250,Simple_and_correct_way_to_deal_with_credit_bureaus 1234567890250 Sat, 28 Apr 2007 00:00:00 -0400 An emergency situation caused a huge credit card debt in your name and now the collection agencies nag you all day for recovering the money. What to do in such a situation? Situation is no doubt bad but all is not lost, it can be stopped from getting worse if you follow these steps. Don't shy... http://www.credit-card-gallery.com/article/248,Huge_credit_card_debt_bothering_you?_This_can_help 1234567890248 Fri, 27 Apr 2007 00:00:00 -0400 Credit card debt comes from improper use of the credit cards. Though, built for our convenience the credit card drives a big number of people into credit card debt. Credit cards on their own cannot drive anyone into difficult financial situation, its how you use them matters the most. Some peo... http://www.credit-card-gallery.com/article/245,Credit_card_debt_can_be_avoided_if_you_follow_these_5_dependable_credit_card_tips 1234567890245 Wed, 25 Apr 2007 00:00:00 -0400 The importance of a good credit score can never be understated. Whether you want a loan with low interest and large amount, a gold or platinum credit card, mortgage at good terms, car loan at cheaper rates or simply have a good financial credibility -- none of it can be achieved without havi... http://www.credit-card-gallery.com/article/239,Credit_score_repair_in_5_simple_steps 1234567890239 Tue, 24 Apr 2007 00:00:00 -0400 The alarming rise in credit card debt is causing sleepless nights of a good number of people in USA. Why do we fall into credit card debt trap? Over-borrowing, slack financial discipline, late repayment and not keeping track of credit reports might come as the most important reasons to the ave... http://www.credit-card-gallery.com/article/237,3_biggest_factors_that_drive_a_person_towards_credit_card_debt 1234567890237 Sun, 15 Apr 2007 00:00:00 -0400 Increasing number people are filing for bankruptcy to get out of debt. But, what is bankruptcy? Do you know enough of it? How does it help you? If these questions also bother you, the following article describing 7 most important things about bankruptcy will help you get an answer.1. Bankruptcy... http://www.credit-card-gallery.com/article/226,7_most_important_things_about_bankruptcy 1234567890226 Sat, 14 Apr 2007 00:00:00 -0400 People with bad credit or poor credit are often face difficulties in obtaining a credit card. The fact is indeed true that their choices are limited when it comes to credit cards but, credit card issuers are increasingly offering financial products that specially cater to bad credit people.... http://www.credit-card-gallery.com/article/223,Bad_credit?_No_problems._Have_these_credit_cards 1234567890223 Sat, 14 Apr 2007 00:00:00 -0400 Having negative entries in your credit report? Looking for a credit repair agency to wipe out the blemishes. Stop! You could be heading for trouble. The three reasons listed in this article will open your eyes to the credit repair fraud. Read on to know how the credit repair companies are ripp... http://www.credit-card-gallery.com/article/224,3_compelling_reasons_why_you_shouldn't_use_a_credit_repair_agency_to_fix_your_credit_report 1234567890224