Are You Paying Attention to Interest Rates?

If you’ve been paying attention to the financial markets over the last six months to a year, you’ve undoubtedly noticed that interest rates are on the rise again.  True, at this point, the increases are only a quarter of a point, but still if you take all of those little quarter points and add them up, they become a little more significant.  And those rate increases don’t just create ripples in a few places, but everywhere.

Chances are, if you’re thinking of buying a car or a house over the next few months, your interest rate will be higher than it would have been if you purchased the car or house last year at this time.  And as for your other loans?  Not only can you expect to see other loan interest rates increase, but it’s a pretty sure bet that you’ll see your credit card interest rates increase by that quarter percent on your next statement, as well.

That’s why now is probably the best time to consolidate all your credit cards into a personal loan.  Not only are the interest rates on personal loans typically far less than those on credit cards, but if you’re even thinking about taking out a personal loan, you need to do it now, before the next quarter point increase (analysts predict two more increases this year).

So, if you haven’t already done so, sit down and see how much you can save on your monthly payments AND pay off those credit cards right now!

 

 

Easiest Way to Beat the Winter Blues

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I don’t know about you, but the winter blues have really set in at my house!  It seems like once you take down the Christmas decorations, the house looks vacant, empty, and downright dull.  It can be really depressing…

That’s why I use this time of year to do a little redecorating!  Not only is it the perfect time of year to change a few things, add a splash of color, or update a room or two in the house, it’s also the perfect time of year to actually buy literally everything for your house!  Between the January clearance sales and now the President’s Day sales, I can usually pick up a few really good deals.

What about your house?  Is it time to update your bathroom with new, plush bath rugs?  Maybe a new shower curtain?  Or maybe you’d like to change out the comforter in your bedroom?  Or get new rugs for the kitchen?  Of course, since the Christmas bills have just barely begun to hit your mailbox, money could be a little tight, right?

Well, your tight budget doesn’t have to keep you from brightening up your home after the holidays have passed, not if you have a Fingerhut Credit Account issued by WebBank!  You see, when you use your Fingerhut account to redecorate, you can shop knowing exactly what your payments will be (and trust me, they are extremely reasonable), so you won’t blow your budget when you buy that new comforter or those new bath rugs!

Fingerhut even works with those of us with less than perfect credit, not just to help you buy the things you need, but also to give you the opportunity to improve your credit over time!  What could be any better than that?  Take a look at what Fingerhut has to offer and then, go ahead and update your decor – you deserve it!

It’s Tax Time!

Well, it’s that time of year once again – that’s right, it’s tax time.  Time to review your finances from the previous year, find as many deductions as you can, and hopefully get a refund from Uncle Sam!  Tax time is also the perfect time to budget, plan, and get a fresh start on your credit with a personal loan.

Let’s face it, if you’re like most of us, you might have overspent over the holidays, and those credit card bills have started rolling in… you’re wondering just how you will ever get them paid off, or even worse, you know you’re going to fall behind if you don’t figure something else out.  Who can pay that much interest on so many balances and ever hope to get ahead?

That’s why so many people are choosing to take out personal loans these days.  Unlike credit cards, which can have interest rates as high as 25 or even 35%, personal loans typically come with a much lower interest rate, and since all of your credit card balances are consolidated under one personal loan, the payments are typically much lower, too.  And you know exactly when you have to make your payment, how much it will be, and when you’ll have the balance paid off.  (With most loans, you can even pay it off early if you choose!)

So, go ahead.  When you’re planning your taxes, why not plan your financial future for the entire year, and reduce your debt load with a personal loan? It only takes a few minutes to apply AND the money is normally deposited into your account within a few days of approval – many lenders even work with those of us with less than perfect credit.  What could be easier than that?

Just be careful once you consolidate all your bills and put those credit cards away so that you don’t end up with credit card debt AND a personal loan payment!
 

Should You Apply for That Credit Card?

With the holidays rapidly approaching, your mailbox is probably stuffed with catalogs, credit card, and loan offers, but should you apply for that new credit card, order from that catalog (with the promised credit line), or should you cash that short term loan check?  Granted, money is always tight around the holidays, and affording all of the extra expenses would be a lot easier with a clean line of credit, but what should you look for before you apply?

Make sure you’ll actually qualify for the offers!  One of the most important things to remember when looking at any new credit line, be it a catalog shopping site like a Fingerhut Credit Account issued by WebBank, or a new credit card, or a personal loan, is whether or not you will actually qualify once you actually begin the application process.  Remember, most of those “prequalified” offers are just that – the lender has purchased a list of potential candidates based on your demographic group (your location, age group, income level, etc.), but they have most likely not pulled your individual credit report to see if you would actually qualify once you complete the application process.  So, before you even consider the offer, you should check your own credit report to make sure your credit score would likely qualify you for the offer that you are considering.

Should you fill out the application and mail it back in or should you simply go to the website and complete the application online?  While you might worry about completing an application for credit online, it’s actually safe in most cases to apply online, and instead of waiting for a response in the mail, you’ll most likely find out fairly quickly if you do complete the application online.  Reputable credit card companies, loan providers, and catalog shopping sites have ample safeguards in place to protect your personal information, so it’s usually safe to visit most sites.  (However, this is not the case for most of the offers you receive via email – links in emails are extremely vulnerable to identity theft and you should never click on a link received within an email.  ALWAYS visit that creditor’s site using your browser instead.)

Research all of your options before you apply for any of them.  Just because you received a prequalification offer in your mailbox does not necessarily mean that this the best credit card for you to accept.  Take a look at the fine print… What’s the interest rate?  Are there any additional benefits (rewards, points, introductory rates)?  What is the typical credit score needed to qualify for the offer?  How are charges handled?  What happens if you dispute a charge?  What happens if you fall behind?  What are the over limit fees?  Late fees?

Once you’ve studied all of the fine print, then it’s a good idea to compare the offer with other offers that you are likely to qualify for to see if the card really is a good fit for you.  Then and only then do you actually want to apply for the credit card, place an order with the catalog shopping company, or accept that loan offer.

Fingerhut’s Fresh Start!

With Christmas right around the corner, many of us are wondering just how we’ll pay for all those gifts! Especially if you’ve had a few financial setbacks, and your credit is less than perfect, it’s not easy getting the credit you need around the holidays. But, there is a program that just might help, especially if you aren’t approved for a regular catalog card account.

Not an Access Card

You might want to think about applying for the Fingerhut FreshStart® Credit Account issued by WebBank. The Fingerhut FreshStart® credit account issued by WebBank is a great way to get that fresh start that you need on your credit and build the buying power you need when the holidays roll around. It’s easy to apply, and once approved, you simply make a one-time purchase that is a minimum of $50.00 (includes shipping and handling and taxes), then make a $30.00 down payment (required for your order to ship), and finally, pay off your balance through on time monthly payments.

Once the account is paid off, you will be rewarded with a WebBank/Fingerhut Advantage Credit Account that will have a higher credit limit!

Now, is that not a great way to get your credit back on track or what?

Apply for your Fingerhut Credit Account issued by WebBank today!

New Fingerhut Promo Code!

Fingerhut Credit ApplicationIf you’re looking to spruce up your home or apartment for the upcoming holiday season, we’ve got just the ticket to save you some serious cash!

Fingerhut just announced their fall home sale today and there’s a PROMO code that will snag you 10% off your total purchase!   Now you can redecorate a whole room, the whole house, or maybe just add a few new things here and there to make your home the warm, festive place that you want it to be for Halloween, Thanksgiving, and even Christmas.

Freshen up the bath with new shower curtains, rugs, and accessories…or freshen up the bedroom with new flannel sheets, a comforter, or pillows… they’ve even got furniture on sale!

Why wait?   Shop Fingerhut.com! and use the promo code HOMESALE17 to save today!

Existing customers qualify for this promotion as do new customers who Apply for a Fingerhut Credit Account (issued by WebBank). Get low monthly payments with no annual fees or overlimit fees. Shop from thousands of trusted brands. Apply Today!

Offer ends 10/8/17 at 11:59pm CT. Enter promotion code HOMESALE17 during checkout to receive 10% off Bedding, Bath, Baby, Furniture, Home Decor and Window Treatments. Only valid on items in the Bedding, Bath, Baby, Furniture, Home Decor and Window Treatments categories. Not valid on Fingerhut FreshStart purchases. Not valid on previous purchases. Does not apply to shipping and handling. One promotion code per order. Cannot be combined with other Fingerhut offers. Not redeemable for cash. Not valid on partner offers.

Emergency Funds

Watching the events of the past couple of weeks, what with Hurricane Harvey flooding Texas, and now that Hurricane Irma is looming in the Atlantic Ocean, I’m reminded of one of the most important reasons that we all need emergency funds. In the event that you have an emergency, how will you manage to survive the days, weeks, or even months that it takes to return to some semblance of a normal life?

With hurricanes in particular, we usually have some warning and there are preparations that can be made, but you’ve got to have the funds available to make the right preparations. For example, you may want to buy plenty of food and water well before the storm comes into your area, or you may need to board up your windows, or if the storm threat is serious enough, you may need to evacuate completely.

After the storm passes, there are still more challenges to overcome… the price of gas, food, and other supplies can skyrocket, which takes a bite out of your already stressed budget. It’s a lot to try and cover on your normal salary, assuming that you’re able to get to work. But how many of us have an extra thousand or two sitting there just waiting for us in times of dire need? According to national statistics, not very many. In fact, 69 percent of us have less than $1,000.00 in savings, and of that, 34 percent have no savings at all.

What about you? What are your options? How can you effectively have an “emergency fund” when you don’t have the cash available?

One of the best ways that I know of to create an emergency fund that you can tap into quickly should you ever need to is to get a credit card and keep the available credit at or above the level that you would need to purchase the items you need to buy food and water, pay those exorbitant gas prices, or even rent the hotel room that you’d need to escape a hurricane, wild fire, flood, or other natural disaster if and when one threatens your area.

Granted, it may not go as far as you need it to should disaster strike, but at least a credit card with your “emergency fund” in available credit will give you options that you may not otherwise have. And those options can be the difference between life and death in some cases.

Can’t Get a Credit Card?

If you’ve had a serious financial setback, it can really hurt your credit score… even to the point that you may not be able to get a conventional credit card.  And if that’s the case, it can be very difficult to get your credit back on track.

First and foremost, you’ll want to try and clear up the worst of the mess you’ve made of your credit score.  Pay off as many of your delinquent accounts as possible, dispute any errors that you find on your credit report, and start trying to rebuild your credit as soon as you can.  But, how can you rebuild your credit if no one will give you an actual credit card?

Actually, there are a couple of good, solid options when you can’t get a conventional credit card –

 

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Apply for a catalog shopping card, such as a Fingerhut Credit Account issued by WebBank . Catalog cards, and Fingerhut in particular, make it their business to work with customers who may not be able to get credit anywhere else. And even if you aren’t approved for a regular Fingerhut account, you may still qualify for their “fresh start” credit program, which would require you to put down a small deposit with your first order.  Either way, with Fingerhut, you’ll be able to shop from among hundreds of thousands of reasonably priced, name brand products, with competitive pricing, and an interest rate that is inline with other catalog shopping sites.  Plus, Fingerhut reports your responsible purchase and payment history to the major credit bureaus, so you can improve your credit score and still have the purchasing power you need.  From personal experience, I’ve seen what opening a Fingerhut credit account can do to help you improve your credit score, and I highly recommend this option.

 

Get a secured credit card.  Getting a secured credit card is the guaranteed way to have a credit card, even though it’s not exactly a conventional credit card.  With a secured credit card, you’ll have to deposit money up front, and then the credit card provider will issue you a credit card with a credit limit that is typically equal to the amount of your security deposit.  You’ll then use the credit card just like a conventional card, making payments towards any purchases you make, and they, in turn, will report your responsible use and good payment history to the major credit bureaus.  Most secured cards have a very reasonable interest rate and many even convert to a conventional credit card after a certain period of time.

 

Either way that you choose to go, or perhaps both ways if you have the ability to do so, you will see the improvement that you need to see in your credit score as long as you demonstrate responsible usage of the credit that you get.  Just remember, it takes time and determination to get back on track once you’ve had financial problems, but it can and it must be done!

Christmas Shopping?

With the unseasonably cool temperatures over most of the country, it’s beginning to feel like Autumn… Already there are ads running for fall decorating, pumpkin spice everything arrives in just a couple of weeks, and you know that Christmas isn’t far behind (about 137 days or so, to be exact).

Have you given any thought to how you’ll be able to afford Christmas shopping this year?

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Like it or not, the Christmas shopping season is literally almost upon us – or at least upon those of us who start shopping in September rather than wait until the last minute.  What about you?  Will you be an early shopper this year?  Or will you wait and hope for a money miracle?  Personally, rather than wait for an unexpected windfall, I’d much rather plan ahead, order as much as I can online, and then sit back and actually enjoy the season once it actually arrives.  And a large part of that planning (and shopping) usually involves Fingerhut.

Unlike a lot of catalog shopping sites, Fingerhut has thousands of name brand, popular products available at competitive prices, and even better, they list the monthly payment amount right alongside the full cash price of the item, so you can see how your purchases will fit into your budget after the holidays have come and gone… there will be no ugly surprises come January!   And, just like most other shopping sites, Fingerhut has sales, special offers, and even promo codes, so you can really get some good deals if you shop as carefully as I do.

Fingerhut even has a giant Christmas catalog that they’ll send you in the mail once you sign up for an account.  (Honestly, their catalog reminds me of the big “wish” books of years gone by – there are so many things to choose from.  Toys, electronics, clothing, shoes, home furnishings, holiday decor, and more!)

And, that’s not all.  With Fingerhut, it’s easy to fill out the application (just answer a few simple questions), get approved (most people do), and start shopping today!

Worried you won’t be approved for a Fingerhut Credit Account issued by WebBank ?

Unlike a lot of places, Fingerhut really works with those of us with less than perfect credit. Not only do most people get approved for a Fingerhut Credit Account issued by WebBank , but a Fingerhut account can actually help you improve your credit score, first by reporting your regular payments to the major credit bureaus and secondly, by extending credit in the first place (giving you that all important “available credit” that accounts for about 30% of your credit score).

So go ahead, apply for your Fingerhut Credit Account issued by WebBank and get started on your Christmas shopping today!

Easy New Shopping Site! Shop TODAY!

Easy Plum Easy Credit! Apply Now, Start Buying Immediately!It’s not often that we find a new site that is as awesome as this one!  Even if you’ve been turned down for credit before, EasyPlum makes applying for credit to buy the things your family needs, wants and loves, quick and simple!

Even better, when you apply for an Easy Plum Credit Account issued by Klarna, you’ll get an answer instantly, which means you could start shopping right away. Easy Plum works with people every day who have (or had) credit challenges! Even better, Easy Plum helps you build your credit history and buying power by simply making your payments on time. Easy Plum reports your payment history to the major credit bureaus to provide you with great value for your hard earned money.

And, Easy Plum offers the latest in electronics, furniture, appliances, outdoor products, jewelry and more, with financing options to help make it all affordable for you! Once you’re approved, use your credit account to shop thousands of brand name products including HP, Cuisinart, Samsung, DeWalt, Panasonic and so much more at EasyPlum!

Easy, Fast & Secure. EasyPlum.com Instant Credit! Find Out Now & Shop Brand Names Today!