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Black Talk Media Project
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- Mount Holly, NC
- United States
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- Charlotte, NC
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- brand new business (0-1 years)
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- http://blacktalkradio.ning.com
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- Entertainment and Media Production
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Aberjhani
author of Encyclopedia of the Harlem Renaissance
and The American Poet Who Went Home Again
WHO IS CIPHER PRODUCTIONS INCORPORATED?
Cipher Productions Incorporated is an organization utilizing the lifestyle, Hip Hop, as its main method of communication. Progressively, Cipher Productions Incorporated finds its strength through literary works and the development of new, creative; music, fashion, shows, and movies.
MAIN OBJECTIVE
To stabilize the continuous growth of Urban and Hip-Hop markets, Cipher Production Incorporated maintains its focus on new and improved strategies to produce and distribute amongst the newest and fastest growing markets in America.
Our primary focus is the building of our image and the credibility of our business name, trademarks, and patented design, in combination, the use of our intellectual property to gain profits through distribution of books, audio, and video; hardcopy, on disk, digital download, and new formats.
MISSION
Cipher Productions Incorporated will continue to build credible relationships and participate in profitable endeavors with associates, business entities, and people involved in the entertainment industry; internally and externally.
VISION
Cipher Productions Incorporated and its associates produce thought provoking works and products. We challenge the urban communities of the United States to grow with us; and, remain confident that we provide an opportunity to gravitate toward a more positive future.
COVENANT
Our covenant is to provide several forms of entertainment, news, and products while applied time management to creative styles and entertainment for customer consumption and review.
The dangers of a secured credit card
A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.
The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.
My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.
More dangers to beware of below:
The company will charge you a high interest rate.
The company will charge you a set up fee, just for the card.
The company will charge you a late fee on your own money if you don’t make the payment on time.
The company will report you late on your own money when you miss a payment on your money.
The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.
However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.
Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.
The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.
Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com
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