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Marcus Mavakala
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- Los Angeles ca
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- veteran (3+ years)
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- http://www.greenhillfunding.com
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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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With Friends and Family of St Stephen AME Church From Tampa to Grand Cayman Island to Cozumel Mexico and then Return to Tampa This is a 5 Day 4 night Cruise 7 Nov’09—12 Nov ‘09 Inside Cabin: $393.65 with gratuities included Oceanview Cabin: $443.65 with gratuities included Optional insurance: $49.00 3 Easy payments Contact Joyce at 941-776-7156 This is a Group Rate ! You will need your passport!
Happy New Year! Glad to see you plugging in here at sta.rtup.biz.
If you would like a little help in getting started with your marketing here I suggest you check out the following two discussion threads How to Avoid Being Called A Spammer On A Social Network and 5 Cardinal Rules to Growing Your Business on Sta.rtup.biz and follow the tips I share on them. Make sure to post any questions you may as well!
I also recommend you download these several free tools I am giving away for free that you can begin using to make money online with. I’m offering them to you free of charge because I am interested in networking with you. Plus I can count it as my good deed for the day!
Here’s a summary of what I’m giving away:
• Free Do-It-Yourself SEO Software
• Free Suite Of Video Software
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• And Much, Much More!!!
I normally sell these tools all together for $99.95 but you can download them free of charge at http://www.onlinegoldsystem.com if you hurry.
Don't forget to add me as your friend! If I am already one of your friends don’t be such a stranger! Geesh!!!
Good luck and happy selling!!
Best Regards,
Matt LaClear
517-993-8611 - direct
Want to learn my secrets to marketing here on sta.rtup.biz? Download my free handbook today!
How r u?
Just Stoppin bye to say Hi
Hey that rhymes
Take Care : )
Not sure how to get started with your marketing campaign?
Check out these forum links to learn what you should be doing and then just go out and do it!
Here are the threads I suggest you check out: 1) Getting Massive Traffic Through Value Added Commenting, 2) Here Are My Actual Website Stats Since I Have Joined Sta.rtup.biz, 3) 5 Cardinal Rules to Growing Your Business on Sta.rtup.biz, 4) How to Avoid Being Called A Spammer On A Social Network .
Please feel free to also check out my blog as I have over 200 posts that will help you out as well.
Hope all this helps you get started!
Best Regards,
Matt LaClear
517-993-8611 Mobile
P.S. If you're someone who has a positive mindset I would be more than happy to give you a free 30 minute consultation call to see why you have not been as successful online as you hoped to.
All you need to do is visit this link http://www.mattlaclear.com/freeconsultation.htm and fill out the webform out below and someone from my office will call you within 24 hours to set up a time you and I can speak to one another.
I have only been a member here for a couple months now but I can honestly say this is an absolutely awesome place in which you can grow your business.
In fact in the little bit of time I have been here I have received 45,900 (and growing!) unique visitors to my website with a whopping 190,973 page views! I want to say that even though there are just 11,000+ members here there is a lot more traffic rolling through here that never take the time to register as a member. That traffic will hit your website too if you interact effectively with enough people.
The main thing I personally do is jump in and put consistent activity in here at Sta.rtup.biz to grow my own network. Remember that wallflowers usually build very feeble networks.
If you feel any apprehension about your ability to market yourself properly on the Internet make sure to come by my page and chat with me a bit. I would be more than willing to help get you acquainted with some of the going-ons here! Plus I share close to a couple hundred blog posts you may find interesting as well as helpful.
Just don't give up building your network until you have given it your absolute all!
Regards,
Matt LaClear
517-993-8611 Mobile
Want a free 30 minute consultation call with me to discuss how you can improve your Internet Marketing efforts?
What a great day to be alive!
Did you see my Discussion That was Featured the Top 1 in the Expert Forum on Startup.biz today called, “The 5 Critical Elements that Every Successful Business Owner Needs to Know.”? Please check it out and add your knowledge and experience, your input will be very beneficial for the people reading it, and you may be selected to have your name and website included in the next discussion!
Have a great day!
Wishing you peace, prosperity harmony and happiness.
~Nate Crane
P.S. If you would like, you can add me as your friend, I will take pleasure in getting to know more about who you are... and if you already are, then what are you waitin for....cruise by and say hello!
“The Entrepreneurs Guide to Attracting, Creating and Manifesting Financial Abundance.”
THIS IS NOT A SALES PITCH, I promise, I'm not trying to get you to join my down line (I don't have one). I'm just letting you know a little about me and my companies.
My name is Nikki. I run two online businesses. DeNapoli Services, an off-site admin service that caters to Ecommerce businesses. I am assembling a small team and will be relaunching this in November.
I also have Shop Denida, this is an online store that puts creative women in the spotlight. This is my way of giving back to all the women. I have run into a small stumble on this for lack of funding. I only have 100 products up in the site and about 400 more to put in there but need to purchase a larger shopping cart first. This will be happening in the next couple of weeks. You can help with this wonderful Idea by supporting it on Idea Blob. It takes a moment to sign up (they do not spam you) and vote for me. Thank you in advance for your support
I'm always open to advice so if anyone has any on either business I would LOVE to hear it. I'm really good at taking constructive criticism.
Along with these two business I'm a mom of 2 and a wife and of course a woman. I have many pets that I love to take care of and actually have business ideas on that too. However I have learned that one business needs to take off and run before I can start to many more.
I'm a firm believer that hard work pays off. Shop Denida has only been live since September 1st and I already have a Google ranking (albeit only a 2 but a ranking none the less) and will be learning more about internet marketing in the near future. Once I have that mastered it will be one more service that DeNapoli Services will be able to offer.
Another thing I am doing with Shop Denida is spotlighting a woman's cause. The cause I'm currently doing is the Pink Ribbon Tour. they will be having their home coming on the 26th of October and I will be gathering donations for baskets. Visitors to the home coming can enter the drawing for $5 for a chance to win one of the baskets. This will raise money for Breast cancer awareness. If you have anything you would like to donate please contact me. Donations will give you the opportunity to get some advertisement in the community. I plan on giving full credit to anyone that donates an item or something. I already have some vacations, T-shirts, pictures and a few other things. The bigger the basket the more donations. I will also be doing a jar of pink jelly beans, for a buck people will be able to guess how many in the jar and be entered into a prize drawing for another prize.
I'm very excited to be a part of this group. I plan on doing lots of networking this weekend to get donations for the prizes for the home coming.
I hope you have a great weekend.
Nikki
http://www.shopdenida.com
http://www.denapoliservices.com
Nice To Meet You
I have been to Los Angeles Once
Had a good time
Be Blessed
Nai
Welcome to my site see my store my cddvd coming outView All Comments