Unsecured bad credit personal loan with no credit check, high risk credit card applications, how to negotiate free debt settlement chargeoffs, credit counseling, debt consolidation loan and negotiation company assistance.
Long Term Personal Loan VS Credit Card Charge: Often when people need credit to cover an expense, many instantly think about placing the charge onto an unsecured credit card. If you plan to repay the charge quickly before interest adds up, then certainly a credit card is a good choice vs a personal loan. If; however, you plan on taking a year or longer to repay, a long term personal loan can save money by charging less overall interest.
If you need funds; for example $3,000, a personal loan may offer you a better interest rate than the regular rate on your credit card. Your personal loan will have fixed monthly installment payments which are higher than the 'minimum due' on a credit card statement, so it's more likely you'll payoff the personal loan faster than if you had charged the funds to a credit card.
If; however, your charge will be small and you're able to pay off the balance quickly, a credit card may be better especially one that offers a 0% intro APR on purchases.
It's that time of year for post-holiday scams. Review these typical scammer plots so you won't be an identity theft victim or lose your hard earned money. Also review our past ID theft articles.
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Fraud and Scams
Fraud and Scams - Free tips to prevent being a fraud victim of identity theft and other financial scams.
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