4 Credit Card Knives
This is a review/comparison of 4 different credit card knives that I own. Enjoy! Duane …
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Archive for March, 2009
Credit Card Lawsuit: Dismissal Without Prejudice?
Hi there,
I had a alleged credit card debt that is about 4 months to SOL. A third party purchased the debt and sued me. I hit them really hard in discovery and they had filed and entered "Dismissal w/o prejudice" just before the trial date.
Are there any motions I can file to try to change this to "Dismissal WITH prejudice?"
If so, is it wise to do so, in fear that they have an easy opportunity to re-serve me a new summons before the SOL? (In the assumption that by filing a motion I would have to be present in a Law and Motions hearing)….
Thanks for any advice!
You can argue their MOTION for "dismissal without prejudice." That is all it is, they made a motion and you need to argue it. You need to point out that they brought the suit, they made you jump through hoops and now that the trial date is coming, they want to cancel the case with the intent to file again in the future. You need to counter their MOTION stating that the case should either go forward as scheduled or be "dismissed with prejudice" so they can not start the whole thing over again in the future. The judge will probably agree with your motion.
is there any cheap like replica or wholesale shoe websites that take credit card?
i find all these sites with these wonderfully cheap replica or wholesale shoes but they all take money orders and western union things i dont think i should trust those payment methods is there any that take credit card?
http://www.salehoo.com/?aff=z3411&type=shoes
check out this great wholesale online store..pretty cheap and reliable
What type of Credit Card is the Chase Freedom?
Is it a Visa, a MasterCard, Discover, etc.?
I think its a random Visa or MasterCard. If you live on the west coast they usually give MC if you live on the east coast they mainly give Visa
Separate (personal) credit card for business expenses?
So a sideline gig is developing somewhat, and to simplify bookkeeping I'm thinking of getting a separate card for all those expenses.
For now we're not incorporated or anything, so this will be a personal card in that regard. Is there any detriment to my credit rating for opening up new cards that won't be used very often?
FYI, I only have one card, my wife has two, we both have excellent credit ratings.
It will might negatively effect your credit score, but not enough to really hurt. Separating your business and personal expenses is just plain smart, from a time-consumption and accounting perspective. You can get online yearly summaries with some cards. Definitely do it.
When you end up becoming incorporated, ditch the personal business card and get one in the name of the company (also good for general liability purposes- shows no mingling of personal and company funds).
Credit Card question?
Can somebody explain what these things mean in English? I’ve been doing research and comparing different cards, but I don’t think I really know what the truth is behind all the fancy advertisement.
I’ve been searching on http : // www . creditcardguide . com / , and it has everything together for easy comparison.
What is the best APR?
How will the different APRs effect me?
What is this Cashback thing?
I think my favorite so far is the Citi CashReturns card. Is this a good one?
Thanks guys, I know this whole question is a jumbled mess but I appreciate your help! =]
***Okay, just as a little background information: I’m 18, this is my first credit card and I need it to build credit.****
Mkay thanks! =]
APR=annual percentage rate which is the interest rate that they will charge you on whatever your balance is each month….you want to try to find the lowest APR because the higher the APR the more interest you will be charged. Annnnd if you pay off your balance right away and don't let it carry over to the next month then they won't charge you any interest at all.
Some credit cards offer cash back at a certain percentage based on how much you charge on the card….it sounds like a cool idea but if you're not going to be charging a lot then you won't be getting very much cash back anyway.
You're doing a good job researching which card you want. My only words of advice on credit cards is to be very very careful not to use it too much and charge more than you can afford to pay back–it's way too easy to do and it will hurt you for a very long time.
Good luck to you and I hope you find what you are looking for!
How is a credit card considered a written contract instead of an open account?
I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it's the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.
Sorry I can't give you a definite answer, but if the Alabama courts have found credit cards to be a form of a written contract, then article 2 of the UCC would be irrelevant. I've found anecdotal evidence to suggest this is the case, but nothing firm. I did find examples of other cases in other states where the courts ruling seemed contraindicative of the UCC, and was based partly on UCC limitations - meaning it looks like there definitely is a chance (depending on EXACTLY what was included in that signed piece of paper the collection agency produced) that your credit card account qualifies as a written contract.
If you're unsure, you could try contacting another attorney from Legal Aid for a free second opinion, although I doubt your attorney would give such seriously erroneous information. I know that there legal fees are ginormous, but why not ask him to spell it out to you, show you previous cases where this ruling was upheld, etc.
Small Business Credit Card Benefits
Many new small business owners do not have a credit card account specific to their business. They might use a personal credit card to make business related purchases every now and then, but the majority of new business owners overlook the value a business credit card may provide to their business.
There are many reasons why a small business owner would benefit from having a credit card account specifically reserved for their business use. First, though, let’s discuss the typical reasons why a small business owner would avoid a credit card!
Top 6 Reasons Small Businesses DON’T Have Credit Cards
1) Business owner is afraid that they will overspend if they have access to a credit card.
2) Business owner thinks it’s complicated to apply for and receive a credit card under the business name, or feel they don’t have strong enough credit to get one.
3) Business owner thinks finance charges and interest rates will be expensive and cost more money than the convenience of having a credit card is worth.
4) Small businesses don’t make enough purchases to require a credit card.
5) Business owner likes the control over spending by employees when a check or cash has to be issued for purchases.
6) Business owner applied for one and was denied.
Is the reason your small business doesn’t have a credit card found on this list? If so, you might be surprised how the benefits of having a credit card for your business can help propel your business forward.
Credit Card Benefits for the Small Business Owner
While many of the reasons small business owners decide not to get a credit card for their businesses are valid, there are many advantages to the businesses that do decide to get a credit card.
When you make all of your business purchases and pay for each expense related to the company on a single credit card, you have an easier time with your bookkeeping. You can simply refer to your credit card statement each month, or on a quarterly or annual basis in order to see your purchases and expenses at a glance. You can cut one check each month to pay for all of the purchases, making it much easier to manage your business checking account, also.
Having a company credit card allows you to get additional cards in key employee names. If your office manager handles the office supply purchases, you can give her a card to make those purchases with, for example. There is less time required of you to approve or deny his or her orders and no need to cut a check when the manager is ready to place the order. Simply give the employees with cards a spending allowance and you can quickly monitor the spending of each employee by glancing at the card statements.
If you select a credit card for your business that offers a rewards program, you will benefit further by achieving the rewards under that benefit. As a business owner, you would decide if you have reason to purchase airline tickets, or if you would benefit better from a card with cash back or special merchandise purchases with the points you’ve earned.
Having a business credit card opens the door to many opportunities for your business that you wouldn’t have if you avoided having a card. Be sure to take these benefits and advantages in consideration when deciding whether or not to apply for a business credit card. If you fear your business credit isn’t strong enough for a card at this time, you can opt for a prepaid card or a secured credit card to build your company credit history. You’ll still receive all of the benefits and conveniences of a credit card, you’ll just need to take the extra step of funding a prepaid card before you can use it.
Debbie Dragon
http://www.articlesbase.com/finance-articles/small-business-credit-card-benefits-95663.html
Dealing With The Best Credit Card Offer
Credit cards are considered the most widely used modes of paying different types of bills. Payments may range from small to big amounts.
When it comes to obtaining a credit card, there’s always a wide range of choice available for the consumer. There are lots of companies that offer different credit cards. All you have to do is to determine which type of credit card offer will suit you.
Since there are more people who apply for a credit card, it is evident that the companies also have this tight competition. They compete for the growing market by providing a variety of ads strategies such as:
Interest Rates
Known companies have a credit card offer at the lowest possible cost per payment. The given interest rates may vary from 1.3% to 5%.
Lowest Amount due
Credit card companies have a policy that a credit card holder should pay for a certain amount every month. These payments include the charges incurred for every purchase of products.
Not paying the said amount would result to adding small charges on the consumer.
Not claiming of dues
Generally, it has been a practice for credit card companies to waive the first card annual dues.
Most offers had been or taking out the first two billing periods, and not adding extra charge once the consumer wasn’t able to pay for the time covered by the ads.
Extension cards
These cards are usually given to consumer to allow them to extend the use of the credit card for any of the family members to whom they want to permit the access of the card.
Balance transfer
A lot of credit card companies give lower interest rate charge for any balance transferred to their card to another card.
The catch is to motivate consumers to move all their balance from their present card to the card company.
Payments are set on a specific period of time. However, the downside of this is that if the card holder makes a decision to pay the entire balance before the due date, then no rebated would be approved.
Cardholders that are not cautious of their purchases may result to a huge debt, if he or she is not capable of paying it after the billing period.
Failure to pay or missed payments may result to extra charges that will be added on the interest charge, every month. Thus, it may result to higher bills.
Other offers
If the cardholder pays the entire balance after the promo period, he or she will not obtain additional charges. However, if the cardholder did not pay after the promo ads, an extra charge will be added. But the interest payable from the balance is also waived
History says that the wide use of credit card has been the cause of depression for many cardholders.
The growth of automobiles also results to an increase demand of fuel. And to accommodate huge purchases, these fuel companies decided to accept credit cards to gain consumers.
Nevertheless, if an individual is careful and wary in making purchases using a credit card, he/she may find it useful. Here are some benefits of using a credit card:
1 .Lower chance of losing cash
Huge purchases can be made without carrying lots of cash
2. It is easy to use and readily available
For emergency purposes, like purchasing of medicines may now be easier. There are lots of stores that accept payment through credit card.
Mario Churchill
http://www.articlesbase.com/finance-articles/dealing-with-the-best-credit-card-offer-95886.html