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Informative Articles

5 Killer Steps to avoid Credit Card SCAMS!!!!!
In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud. Now, most importantly, If you are a victim of fraud, please do not feel like you did...
Credit Cards – What is the “Universal Default Clause”?
Most people who carry major credit cards are well aware that the interest rates associated with them tend to be higher than for other types of lending, such as home or auto loans. Anyone who has paid their credit card bill late more than once or...
Five Tips To Build Your Credit Today
If you’ve recently paid off a lot of debt, you may be wondering where to go from here. Maybe you went through a divorce and got stuck with a lot of high interest credit card debt, or got behind on your payments after a job layoff. Whatever the...
Prepaid credit cards - ways to help you restore your credit
You might be looking for an unique method of getting your credit back. One of the easiest ways to do that is to find prepaid credit card companies that can help you get an unsecured credit card into your own hands. How this works , is that you...
Why You Should Use A Prepaid Credit Card?
Prepaid credit cards have been growing in popularity over the past few years. But despite the 'credit card' name, no credit is actually involved. Here's how it work's. When a standard credit card is used, you pay for the convenience of being able...
 
Cash Back Credit Card: Earn While You Spend!

Cash back credit cards are an excellent way to earn money while you spend! Instead of making purchases with standard credit cards, you might want to consider applying for cash back credit cards because such cards reward you with cash back on every purchase you make! Further, in addition to cash back on all of your purchases, cash back credit cards offer you the opportunity to afford additional savings, in ways you might not have imagined possible.

Cash Back

The obvious benefit derived from having cash back credit cards is the money that consumers get back on every purchase. Frequently, credit card issuing companies will supply credit card users with approximately 5% cash back on certain purchases like those made at drug stores, supermarkets, and gas stations. Additionally, many credit card companies will give 1% cash back on all other purchases. Needless to say, if you use your credit card frequently, such benefits can add up quickly. Further, your accumulated savings can be used for just about anything, but you can really save if you follow the example provided below.

Savings

Due to the fact that you save 1 to 5 percent on many of your purchases made with cash back credit cards, you can find yourself saving


BP Spill Report Spreads Blame, What About Liability?
BP says its report released Wednesday was not designed to assign blame to any one company or action. But it does say other companies including BP were at fault in the accident. Will this change the company's legal or financial liability?

Thad Allen On Lessons Learned From BP's Spill
Retired Coast Guard Admiral Thad Allen is the National Incident Commander for the Deepwater Horizon oil spill in the Gulf of Mexico. He tells Steve Inskeep that he doesn't think the U.S. was prepared for a deepwater event in the Gulf.


quite a bit of money. Let's take a look at the example provided below to analyze the possibilities.

If you spend $1000 at supermarkets, $200 at drug stores and $300 dollars at gas stations in three months time, you will have spent $1500. Now consider this:

$1500 x 5% = $75.00

Thus, you save $75.00 for every $1500 you spend with your cash back credit card! Now project such savings over one year's time. For instance, if you spend approximately $1500 every three months at establishments that make you eligible to receive 5% back on your purchases you will have spent $6000.00 for the year. Now, consider the savings:

$6000 x 5% = $300.00 Making Your Savings Work for You

So, what can your savings do for you? Plenty! With the $300.00 you save, you can store it away for a rainy day or you can reward yourself for being so credit savvy and for saving yourself some money!

Copyright 2005 Ed Vegliante.
About the Author

Ed Vegliante is the owner of http://www.credit-card-surplus.com , a well organized credit card directory enabling the user to compare and apply for a variety of credit credit card offers. Find links to secure online credit card applications.