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How Credit Card Debt Can Ruin You, And How to Avoid it

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How Credit Card Debt Can Ruin You, And How to Avoid it

Credit Card Debt

Instead of reaching for a card to cover a big expense or to pay the bills for the week, try a personal loan.

Credit card debt is a huge financial burden that so many Americans live with every year. If you are a typical American you have a couple thousand dollars sitting on credit cards right now with no solid plans for getting it paid back. Credit card companies want you to have that debt because it’s how they make money. You can really ruin your finances by going along with it, but it doesn’t have to be that way. Avoid credit cards with a personal loan.

Credit Cards Have a Place, Credit Card Debt Does Not

The way to use credit cards that makes sense, that benefit you and not the companies behind them, is to never carry a debt from one month to another. Credit cards can be quick and convenient and are especially good in an emergency. But, they only benefit you if you pay what is due each month in full. When you carry debt you pay interest and lose money. For many people it is nearly impossible to use credit cards without getting this kind of debt, which means most of us should avoid them.

Credit Card Debt Can Lower Your Credit

An important reason to avoid credit card debt is because it can lower your credit score. Credit reporting agencies look at how much you use on your cards relative to the amount of the line of credit. If it’s too high, your score goes down and you are considered an irresponsible borrower. A lower credit score can mean that getting another type of loan is impossible or more difficult and more expensive.

Credit Card Debt Limits Your Choices

The longer you hold on to credit card debt the more limited your options in life become. Having too much debt can ruin your credit score, but it can also mean that you never have enough money to do the things you want or need to do. It can prevent you from buying your own home, having a wedding, having kids, or going back to school to earn a degree or get a better job.

A Personal Loan – Alternative to Credit Card Debt

Personal LoansThere is another option to credit card debt. Instead of reaching for a card to cover a big expense or to pay the bills for the week, try a personal loan. These online loans are based on income and payday, so approval is easy and reasonable. They are small loans to help you avoid going into too much debt. And, best of all they are loans that you are responsible for repaying within a few weeks. Unlike credit card companies, these lenders want you to repay the loan as soon as you can. It benefits both sides.

You can also consider using a personal loan to start consolidating and paying down credit card debt. Try using the quick cash to repay your cards and whittling down all your payments to just one. This makes it easier to remember repayment and to make it on time. You can access personal loans online, making them both smart and convenient.

How Credit Card Debt Can Ruin You, And How to Avoid it

5 Fabulous Facts About Payday Advance Loans

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5 Fabulous Facts About Payday Advance Loans

Almost everyone can qualify for a Payday Advance!

Almost everyone can qualify for a Payday Advance!

1. Almost everyone qualifies!

The requirements are simple and straightforward. All you need to do is be at least 18 years old, a US citizen, and provide some basic information. To qualify for payday advance loans, you should be employed and earn at least $1000 per month, and have a bank account that has access to electronic debits and credits. As long as you haven’t defaulted on a similar short-term payday-style loan you have an exceptionally good chance of approval.

2. Typos on your application are the most likely reason for rejection

It sounds outrageous but it’s true! As long as you meet the payday advance loans requirements previously mentioned, the main problem to watch out for is making accidental errors on your application form. We’re all human and we make mistakes – and autocorrect makes a lot of them for us! Something as simple as transposing two digits in the address or phone number of your employer can prevent the information you reported from passing the verification process – the data won’t match. So take extra care – especially if you’re using your phone’s browser to complete the form – to enter all the info exactly as you wish it to be.

3. Yes, you can apply for payday advance loans on your smartphone!

The developers behind the scenes have been keeping up with the latest web technology, and one notable recent development is that more and more people are using their phones as a primary computing device. No longer is a phone just a phone, or a place for a quick check of email and social media accounts. Now you can do almost anything on your smartphone that you can on a laptop computer, and applying for a payday advance loan is no exception. Anywhere you have a web-enabled device and internet access, you can submit your application and have it treated exactly the same – with quick attention, processing and approval!

4. Payday advance loans get you cash as soon as the next business day!

Among the fastest ways to borrow money, short-term loans use the power of the internet and electronic data process to get you cash as quickly as your bank will process the deposit. Generally the clearing process is overnight, so apply today and have cash waiting in your account first thing tomorrow morning.

5. Get payday advance loans without a credit check, collateral, or personal financial statements

Payday Advance Many personal loans require credit references, prior year tax returns, or collateral in order to evaluate your application. With payday advance loans there’s not even a standard credit check! Our lenders know that millions of hard working, responsible Americans have had difficult financial times or made mistakes in their past – and believe that this should not keep those people from rebuilding their lies and accessing short-term credit when they need it most.

If you “liked” this post you may also like a post about Installment Loans.

There are many other great loan sites offering quality loans, perhaps you would prefer an article about Payday Loans.

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3 Awesome Reasons Greenleaf Tax Loans Are the Best Loans

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3 Awesome Reasons Greenleaf Tax Loans Are the Best Loans

GreenLeaf Tax Loans are the best loans available!

GreenLeaf Tax Loans are the best loans available!

Many of our borrowers would agree that Greenleaf tax loans are the best loans available. There are multiple reasons why these are the best loans you can get, but here are just the top three. Let these reasons convince you that borrowing extra cash through Greenleaf tax loans is better than any other option you have.

1. Greenleaf Tax Loans Are Totally Mobile

Did you know that you can secure a loan just by using an app on your smartphone or tablet? Everything, it seems, is going mobile, and just about everything is available through an app. Until recently, though, to borrow money you would have to go to the bank or at least talk to someone on the phone. Now, with Greenleaf tax loans, you have the hands down, most convenient, and quickest way to borrow money possible. You can apply using an app, and you can get an answer on approval in 90 seconds or less. You’ll even get the cash in your bank account without ever having to leave the house.

2. You Don’t Need a Perfect Credit Score to Get Approved for Greenleaf Tax Loans

Another thing that makes Greenleaf tax loans so great is that they are so easy to get approved for. The requirements are simple and easy enough for just about anyone to meet. If you can tell us that you have a regular job, a monthly income of $800 or more, and that you are an adult with a bank account, you can probably get approved for these loans. In other words, don’t worry about your credit score. If you think that your number isn’t great and it has been keeping you from borrowing money, you’re off the hook. With Greenleaf tax loans you don’t get automatically disqualified because of a bad credit score.

3. Greenleaf Tax Loans Are Always Available

GreenLeaf Tax Loans And don’t make the mistake of thinking that Greenleaf tax loans are only available in April of each year. We offer these loans year-round. We know that some people get extensions on filing their taxes, plan in advance, or simply know a good loan service when they see one and don’t want to worry about whether it’s tax time or not. You can apply for these loans any time of year, any day of the week, and 24 hours a day. Our lenders are here, ready and waiting for you to apply for the best loans around.

If you “liked” this post you may also like a post about No Credit Check Loans.

There are many other great loan sites offering quality loans, perhaps you would prefer an article about Christmas Cash Advances.

3 Awesome Reasons Greenleaf Tax Loans Are the Best Loans By –

How to Fix and Improve My FICO Credit Score

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installment loans for bad credit

How to Fix and Improve My FICO Credit Score

Installment Loans for Bad Credit are a Solution for Borrowers with a Low Credit Score

Repairing credit is like losing weight—it takes time and there’s no quick fix. Here are some things you can fix today to help you with your goal of increasing your score:

1). Check your Credit Report. Request a free copy of your credit report and check it for errors and mistakes like a “missed” or “late” payment. If something is incorrect on your report, dispute the issue with the reporting agency. This could drastically improve your score in a few hours.

2). Pay off Debt. Stop using your credit cards. If you are having issues getting by, consider other options like Installment Loans for Bad Credit instead. Installment Loans for Bad Credit have better terms and conditions than credit cards do.

3). Pay Bills on Time. Delinquent payments, even if they are only a few days late, can have a detrimental impact on your FICO score. If you have missed payments, get current.

All credit mishaps will stay on your credit report for seven years, so it’s important to manage your spending, your borrowing, and your payments. If you or a family member has bad credit and needs a loan, Installment Loans for Bad Credit is a great credit-boosting opportunity.

Installment Loans for Bad Credit can Help Increase Your Credit Score

According to myFICO.com, “In general, having credit cards and installment loans for bad credit (and making timely payments) will rebuild your credit score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.”

Click here for more information on how you can get approved for installment loans for bad credit.

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by “Scott Lowber“