Casual Articles - Credit Cards or Store Cards - Which Is Better?

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• Christian Job Search: Humbly Tooting Your Horn
  I've said before that there's no such thing as "Christian job search." There's just job searching that Christians do.Every job seeker I know of has to write a resume, every job seeker has to participate in job interviews, every job seeker has to perform on the job. There's no wiggle room in "every."Christian or not, more often than not you have to "do job search" to get a job.One of the biggest challenges I've faced in helping lots of Christians write resumes is an almost overwhelming reluctance to toot one's horn. That reluctance comes, I think, from a mistaken notion that describing skills and achievements on a resume is wrongful boasting.A resume is commercial for you. If you don't toot, nobody will hear anything. You must toot. How to do you do it humbly?Quite simply, you tell the truth about what you've done. If you've done great things, say so. That's not boasting, that's honest.Give credit where credit is due along the way, though. If you were part of team that did something great, say you and your team did it. Reflect well on the leadership of your former boss, if he led well. Being gracious and willing to share credit will set you apart.Telling the truth about what you've done so a potential employer can evaluate your potential isn't boastful.Look, you're not at a dinner party spouting off about how you made the world safe for democracy. You did your job well. Now you're reporting the results.If you go into a job interview with sterling character, but refuse to talk about yourself, the interviIntroduction

  In this article, a presentation is made of the differences between major credit cards and credit cards offered by specific stores to their customers. The purpose of this article is to provide a general overview of major credit cards and store cards to aid consumers in making decisions regarding which lines of credit lines would be the best for them in a given set of circumstances. In most situations, due to the higher rates of interest charged by most store-specific cards, it is best for the budget-conscious consumer to consider forgoing those accounts in favor of a major credit card.

  With that said, we are not endorsing any particular credit card brand in this article. Rather, the materials presented are for informational and educational purposes only.

  General Availability

  Major credit cards are accepted in a wide variety of places and venues. Indeed, the major credit card companies make it a point of promoting how wide spread card acceptance is in this day and age.

  On the other hand, store-specific credit cards are good only at the issuing store.

  Where to Apply

  It is simple to apply for major credit cards. Nearly any bank or financial institution can provide a customer with an application for one or another of the major credit cards. Additionally, the Internet has become a handy resource for those men and women interested in applying for and obtaining a major credit card.

  Store-specific credit cards only can be applied for directly at the store or shop. Additionally, if the store has an Internet presence -- and many major stores and even smaller shops do so in this day and age -- applications for store-specific credit cards can be made online.

  Annual Fee and Related Charges

  Many major credit cards do charge an annual fee. Some major credit cards charge an additional or supplemental membership depending on where the card was obtained.

  Store-specific credit cards normally are free of annual fees and similar charges to their customers. However, store-specific credit cards carry with them notably higher rates of interest than can be found with major credit card accounts.

  Common Clauses and Provisions

  In the United Kingdom, and in most European Union countries, there are clauses and provisions that must be included in each and every monthly credit card billing statement -- both from major credit card companies and on store credit card accounts as well. These clauses and provisions are:

  • A detailed listing of all credit card transactions
  • A detailed listing of the amount owed from the previous month plus the extra amount or interest to be paid on that amount owed
  • The total amount owed for the current month
  • The minimum amount that must be paid during the month. In the United Kingdom, this amount is about 3% of the balance or ?5 whichever is greater.
  • An estimate of the interest payable if you do not pay your account in full.
  • The date by which the account must be paid if interest charges are to be avoided
  • A detailed listing of the monthly interest rate for purchases, the APR (annual percentage rate) and the interest rate if you have used your card for cash

  Conclusion

  In the final analysis, one should only have as much credit as is absolutely necessary. Generally, it is not a wise decision to rake in a bunch of different credit cards. Rather, the best policy usually is to maintain one or two major credit cards. Also consider that store cards generally do not offer the same benefits as credit cards such as balance transfers, although it is common to get brand exclusive reward schemes with store cards. Finally, one must be cautious about obtaining store-specific credit cards due to the higher rates of interest that come with these accounts.

  Neil Brown is a freelance writer with regular contributions to Search4 Credit Cards and Choose A Credit Card. Article Source: http://EzineArticles.com/?expert=Neil_Brown

  Other Recent EzineArticles from the Finance:Credit Category:

  • Credit Card Debt - Tips To Digging Your Way Out Of The Hole
  • Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
  • Establishing Good Personal Credit
  • Credit Card Basics-What You Need To Know
  • 3 Amazing But Little Known Secrets To Make Your Website Blast To The Top Of Search Engines
    I know you hear all of the squabble about links being the number 1 factor in getting your website top search engine positions. I have had many clients come to me and say, I have hundreds more links than the top 10 sites for the keywords I am targeting, and all of my links are from related sites, Why is my site not in the top 10?The reply is always the same. There are 3 factors that you are not doing or allowing for in your campaign. We will now cover the 3 things that professional SEO’s do not want you to know about links.1. Anchor Text: Anchor text is the clickable text of a hyper link. To show you how it works, go to Google and search the phrase “Click Here”. The number 1 site in the natural search results will be Adobe.com. Now ask yourself, why would the adobe site rank number 1 for the term “Click Here” when “click here” is not on the page or in the source code of that page? Here is the reason. Have you ever visited a website and they had a downloadable file in PDF format? It has wording similar to this “You can download this file for free, you will need the adobe reader to read this file, If you do not have the adobe reader “Click Here” to download the adobe reader for free” and click here is the clickable text that links to the adobe site. Starting to get the picture? Your anchor text for your website should contain the phrase or word you want your site to rank for. This is the number 1 reason that people never get their sites to rank for their keywords.2. The second mistake is in calculating how many links you will need to get top p

  It is simple to apply for major credit cards. Nearly any bank or financial institution can provide a customer with an application for one or another of the major credit cards. Additionally, the Internet has become a handy resource for those men and women interested in applying for and obtaining a major credit card.

  Store-specific credit cards only can be applied for directly at the store or shop. Additionally, if the store has an Internet presence -- and many major stores and even smaller shops do so in this day and age -- applications for store-specific credit cards can be made online.

  Annual Fee and Related Charges

  Many major credit cards do charge an annual fee. Some major credit cards charge an additional or supplemental membership depending on where the card was obtained.

  Store-specific credit cards normally are free of annual fees and similar charges to their customers. However, store-specific credit cards carry with them notably higher rates of interest than can be found with major credit card accounts.

  Common Clauses and Provisions

  In the United Kingdom, and in most European Union countries, there are clauses and provisions that must be included in each and every monthly credit card billing statement -- both from major credit card companies and on store credit card accounts as well. These clauses and provisions are:

  • A detailed listing of all credit card transactions
  • A detailed listing of the amount owed from the previous month plus the extra amount or interest to be paid on that amount owed
  • The total amount owed for the current month
  • The minimum amount that must be paid during the month. In the United Kingdom, this amount is about 3% of the balance or ?5 whichever is greater.
  • An estimate of the interest payable if you do not pay your account in full.
  • The date by which the account must be paid if interest charges are to be avoided
  • A detailed listing of the monthly interest rate for purchases, the APR (annual percentage rate) and the interest rate if you have used your card for cash

  Conclusion

  In the final analysis, one should only have as much credit as is absolutely necessary. Generally, it is not a wise decision to rake in a bunch of different credit cards. Rather, the best policy usually is to maintain one or two major credit cards. Also consider that store cards generally do not offer the same benefits as credit cards such as balance transfers, although it is common to get brand exclusive reward schemes with store cards. Finally, one must be cautious about obtaining store-specific credit cards due to the higher rates of interest that come with these accounts.

  Neil Brown is a freelance writer with regular contributions to Search4 Credit Cards and Choose A Credit Card. Article Source: http://EzineArticles.com/?expert=Neil_Brown

  Other Recent EzineArticles from the Finance:Credit Category:

  • Credit Card Debt - Tips To Digging Your Way Out Of The Hole
  • Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
  • Establishing Good Personal Credit
  • Credit Card Basics-What You Need To Know
  • The Age of Internet Marketing
    The introduction of online businesses has expanded the global marketplace and increased business competition. With the rapid expansion of the Internet community, many business owners have a peaked interest in Internet marketing. Over the last five years it has become one of the most sought after marketing and advertising methods. As interest and trial have increased, business owners are seeing its importance and practicing online marketing to further industry growth.There are two business models that any online marketing campaign will follow. The first is business-to-customer (B2C). The goal is to convert shoppers into buyers. When marketing online most B2C campaigns are short in nature, grab the customer’s interest, and provide discounts or specials to lead the customer to a website. Email marketing is a great tool to peak B2C interest. They can download coupons, enter promotion codes online, and most importantly get product information immediately.The second type of model is business-to-business (B2B). It works very differently than B2C. The goal here is to build relationships with prospective customers. To do this, many businesses will have information intensive websites. While email marketing also works, it does so in a different manner. For B2B businesses, an email is just the initial step in the conversion process. Many calls, follow up emails, and product education are necessary to build a relationship and trust.With these models in place, many businesses want to know what types of online marketing they can do and what benefits they can
  major credit card companies and on store credit card accounts as well. These clauses and provisions are:
  • A detailed listing of all credit card transactions
  • A detailed listing of the amount owed from the previous month plus the extra amount or interest to be paid on that amount owed
  • The total amount owed for the current month
  • The minimum amount that must be paid during the month. In the United Kingdom, this amount is about 3% of the balance or ?5 whichever is greater.
  • An estimate of the interest payable if you do not pay your account in full.
  • The date by which the account must be paid if interest charges are to be avoided
  • A detailed listing of the monthly interest rate for purchases, the APR (annual percentage rate) and the interest rate if you have used your card for cash

  Conclusion

  In the final analysis, one should only have as much credit as is absolutely necessary. Generally, it is not a wise decision to rake in a bunch of different credit cards. Rather, the best policy usually is to maintain one or two major credit cards. Also consider that store cards generally do not offer the same benefits as credit cards such as balance transfers, although it is common to get brand exclusive reward schemes with store cards. Finally, one must be cautious about obtaining store-specific credit cards due to the higher rates of interest that come with these accounts.

  Neil Brown is a freelance writer with regular contributions to Search4 Credit Cards and Choose A Credit Card. Article Source: http://EzineArticles.com/?expert=Neil_Brown

  Other Recent EzineArticles from the Finance:Credit Category:

  • Credit Card Debt - Tips To Digging Your Way Out Of The Hole
  • Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
  • Establishing Good Personal Credit
  • Credit Card Basics-What You Need To Know
  • An Introduction to Motivational Speaking
    Everybody speaks. Some people speak and get elected president of the United States. Other people speak and armies of business people take to the streets, generating huge sums of money. Still others speak and people’s lives change. What makes for difference between those who speak and are received by a rapt audience, and those who merely fill the air with noise?Speaking clearly and effectively is a science and that science is called motivational speaking. For some it is more art than science but unlike art, true motivational speaking can be learned, can be taught effectively, and must be practiced. To begin with, the thought of getting up in front of a live audience and speaking about anything at all frightens most people to death. They’d rather do almost anything else, be almost anywhere else than in front of a large audience of people, all of whom are listening to them intently. But for some rare individuals, the idea of speaking to large groups of people is exciting. They thrive on the attention. And if they take the time to learn the basics, and if they have something of value to say, there are brilliant, lucrative careers waiting for them as motivational speakers.The best of the best become motivational keynote speakers. You may get an invitation to attend a seminar or lecture about specific topics. They are usually all centered on the very popular subject of making money but most are more specific in their targets. Some zero in on real estate, some on trusts and wills and estate planning, some are about accumulating wealth through savings strate
  uk/balancetransfers.html">balance transfers, although it is common to get brand exclusive reward schemes with store cards. Finally, one must be cautious about obtaining store-specific credit cards due to the higher rates of interest that come with these accounts.

  Neil Brown is a freelance writer with regular contributions to Search4 Credit Cards and Choose A Credit Card. Article Source: http://EzineArticles.com/?expert=Neil_Brown

  Other Recent EzineArticles from the Finance:Credit Category:

  • Credit Card Debt - Tips To Digging Your Way Out Of The Hole
  • Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
  • Establishing Good Personal Credit
  • Credit Card Basics-What You Need To Know
  • A Credit Card Can Sing A Christmas Carol
    “Christmas Time, Mistletoe and Wine” How many times have you heard this so far and its only November? A few I’ll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food buying. This though only leads to us spending more than we should. This is because with the shops full of decorations and Christmas tunes, the stores are dictating to us that we have to buy our gifts now, which will mean by the time December has come and gone. We would have spent more over the 2-month period that the shops have been full of Christmas cheer.This is not all bah! Humbug.Personally for the occasion alone and seeing the kids faces when they open their presents on Christmas morning, as Christmas is a special time of year that for the day makes all the preparation and spending all worth while.But that doesn’t mean that it comes without cost and in some cases more of a cost than folk can ill afford. For all of its pomp and occasion, Christmas can come at a heavy price to bear for a lot of people who, rather than let their children and family down, will turn to the promise of riches that credit cards and store cards offer.Don’t get me wrong, credit cards and even store cards, have their uses. This is only true though, if you only use them to your advantage, to get the best out of them. If you are thinking of taking one or the other, then the only suggestion that I can make is to plump for the credit card, over the store card.We all want to enjoy
  store cards better ,credit cards"; google_ad_channel ="0562948261"; google_alternate_ad_url = "http://ezinearticles.com/includes/adsense/alt-ads/Finance-Credit-POS3.html"; google_ad_width = 160; google_ad_height = 600; google_ad_format = "160x600_as"; google_color_border = "FFFFFF"; google_font = "Verdana"; google_font_size = "10pt"; google_color_bg = "FFFFFF"; google_color_link = "0000FF"; google_color_url = "000000"; google_color_text = "000000"; google_ad_region = "test"; //-->

  Other Recent EzineArticles from the Finance:Credit Category:

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  • Seven Ways To Get Your Free Credit Report So You Can Know Your Credit Score And Financial Standing
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  • Credit Card Basics-What You Need To Know
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  • Consumer Credit vs. Mortgage Credit
  • A Credit Card for the Honeymoon Couple
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  Article Submitted On: December 17, 2004

  
  
  

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