There is a world of opportunity for sure when it comes to credit cards and the payment solutions. There are a number of 'global' credit cards on the market but many fail to combine the worldwide features that are available on other competing cards. Global usage is extremely important to many consumers in a more connected world. The Qantas American Express Ultimate credit card is one such credit card that works to combine worldwide usage with consumer based activities.

In a day and age where travel is glorified there are only a few cards that can match the travel benefits that the Qantas Ultimate card offers. The Qantas American Express gives 1.5% returns on money spent; which means for every dollar you spend you will get 1 ½ back in travel rewards. These 1 ½ points can be used in conjuncture with frequent flier miles, can be used to travel domestically or even used for other travel luxuries. The Qantas American Express Ultimate credit card also offers an ad ... Read more »

There's good news for anyone who worries that their financial information has fallen into the wrong hands. Consumers now have a new tool at their disposal; they can place a "Fraud Alert" on their credit file. 

Fraud Alerts help prevent anyone from opening new accounts in your name. They act as a red flag on your credit report, visible only when businesses access your file to possibly extend you credit. To place an alert on your account, call one of the three credit reporting agencies and ask them to flag your credit file for fraud. Within 24 hours, an alert will be attached to your credit file and your name will be removed from pre- approved credit and insurance applications for two years. 

Types Of Fraud Alerts

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If you have a credit card, you may have heard from debt collectors more than once, reminding you that you are late with your payment. Most times you may find them annoying reminders. While debt collection is subjected to a regulation known as the Fair Debt Collection Practice Act, you are not dismissed from your obligation to pay your debt. The collection agency or the originator can file charges against you should you fail to settle your outstanding balance. 

Many companies employ the services of a third party provider of debt collectors to contact and remind their clients about their debts. Debt collection services include, following up on clients through all means of communication tools, like fax, telephone call, mail or email. They are the ones who contact customers and remind them to settle their outstanding balances. Most debt collection agencies or companies ... Read more »

Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer.

This seems like a logical thing to do, right? I mean, lower interest rates on your credit accounts equals more money in your pocket, true? Yes, transferring your credit card balance from a high interest credit account to a lower one is an excellent way to save money on interest, especially if you carry a lot of debt on your credit card(s).

But how does this affect your ... Read more »

The good thing about bad credit is that you can fix it. If you start now, over time, your bad credit can turn into good credit, and you could qualify for the loans you want at the rates you want. The most important aspect of rebuilding your credit after it has been damaged is showing lenders and creditors that you are serious about repaying your debt and that you can be a reliable borrower over a significant period of time. 

Negative account histories remain on your credit report for up to 7 to 10 years, depending on the type of action. Bankruptcy can stay on your report for up to 10 years, and collections drop off after 7 years. 

Advice varies widely as to the best methods to rebuild your credit. Some points most experts agree on include: 

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The WorldPerks Visa Signature Card offers those that have excellent credit with the benefits and the details that they deserve. If you are looking for a signature credit line that provides for exclusive benefits, then this may just be the perfect credit card offer for you. You should have a good amount of credit history and a high credit score to apply. If you qualify, you will obtain some of the best possible benefits out there.