Posts Tagged ‘credit cards’


When is a Credit Card Better than a Debit Card?

Posted by Sara M. Varese

Due to the credit crunch, the number of credit transactions have been cut in half while debit transactions have more than doubled. And while it may be a wise decision for some to avoid spending what isn’t there by using a debit card, there are some situations where using a credit card is more advantageous than a debit card.

Credit Card Purchases Offer Stronger Purchase Dispute Protection

When goods or services are not delivered on satisfactory terms, the backup dispute protection offered by your credit card can offer the help that debit cards do not, especially on major purchases. Debit cards usually make it more difficult to get your money back in a dispute. Some credit cards may offer extended warranty and theft insurance protection as well. Check with your credit card for existing offers.

Gas Stations, Hotels, and Car Rentals May Put Holds on Debit Cards

To avoid being short-changed, gas stations, hotels, and car rentals may place an over-extending hold on your debit card.  So for example, let’s say you only want to stay at a hotel for 3 days and 2 nights, however, there may be a possibility that you stay over for say, 4 days and 3 nights, so the hotel will put a hold on your debit card for a certain amount, just in case.

Credit Cards Give Better Rewards

Debit cards are getting better at offering incentives for using their cards, however, credit cards give better perks in general.   Most credit cards give 1% cash back whereas Citibank’s debit card offers give about 0.31% cash back.

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Oct Offers Easy Cash Advance Loans for Immediate Financial Needs

Posted by Sara M. Varese

Los Angeles, CA (PRWEB) October 27, 2009 – With the current struggling economic conditions, traditional lending practices such as bank loans are being cut. To help customers who need immediate cash assistance,, an online cash advance company, is offering a quick and easy way to obtain needed funds.

With banks restricting their lending practices and increasing interest rates, penalizing consumers with outrageous overdraft fees, and refusing credit to many consumers, including those with good credit, consumers are forced to look into cash advance loans, such as the one offered by to help immediate needs. is committed to helping customers out of their financial bind by providing quick and friendly service without the strict borrowing guidelines that are common within traditional bank loans. provides fast, easy, and courteous cash advance approvals.   After the customer fills out a short online application, they will be contacted promptly by a friendly customer service representative who is there to help facilitate the process.   Within minutes the customer can find out the approval status of their cash advance loan and have the money deposited directly into their checking account within 24 business hours.

With, the main requirements are a verified employment and a checking account.  There is no credit check or no set minimum balance required within a checking account.’s low-barrier guidelines make it easy and convenient to borrow quick cash for the customer.  In addition, has no hidden fees, providing full disclosure to the customer regarding interest rates, terms, and conditions.

About is a web-based company specializing in providing immediate cash advance assistance to consumers.

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Financial Tips by

Posted by Sara M. Varese, a web-based company specializing in providing immediate cash advance assistance to consumers, offers some helpful financial tips to consumers.    As the economy struggles and bank lending guidelines tighten, customers are encouraged to reassess their finances and figure out ways to stretch their dollar and save money.

Think Local recommends using more creativity than cash for vacations and special luxuries.  Instead of jet setting to Paris or a Cruise to the Caribbeans, the company suggests an alternative camping trip at your local national park or beach.    Some of the best quick vacation ideas can be less expensive and more obtainable.  All a person needs is a little imagination and creativity.

Smart downsizing

Housing costs can be one of the biggest expenses within a person’s monthly budget. recommends living within one’s means and moving to a smaller place or to a more affordable neighborhood.   The same kind of mentality can be used for other consumption such as automobiles, clothing, and entertainment.   With the right research, one can find more suitable and affordable solutions that can result in dramatic savings.

Using and understanding credit wisely

Understanding one’s budget as well as credit terms and conditions such as interest rates and repayment schedules are a necessity for financial success. advises consumers to define reason for borrowing and using credit and to determine whether the credit can be paid back easily.  If a person is using it to build credit or to get out of an emergency situation, such as a car repair or a medical expense, then a service such as instant cash advance can come in handy. However, if one needs to borrow constantly just to survive while finding it extremely difficult to repay, then it is essential to take a step back for financial reassessment.

For more helpful tips on managing your finances and loans, please visit Financial Tips.

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