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Balance Transfer to Capital One No Hassle CashSM Rewards for Above average credit Capital One® No Hassle CashSM Rewards for Above average credit


Capital One No Hassle CashSM Rewards for Above average credit
Intro APR: 0%

 Issuer: Capital One
Capital One-« No Hassle CashSM Rewards

  • 25% annual bonus on the cash you earn during the year
  • It's not a dream -- we're offering 0% APR on purchases until September 2008
  • 1% cash back on all purchases you make from day one
  • Get simplicity with flexibility -- there's no limit on cash back you can earn, and your cash rewards won't expire for the life of your account
  • Request your cash-back rewards whenever you want

Capital One-« No Hassle CashSM Rewards

is for people with
Above Average Credit
Card Features

  • 1% cash back on all purchases you make from day one
  • A 25% annual bonus on the cash rewards you earn during the year
  • No limit on the cash rewards you can earn
  • No expiration of your cash rewards for the life of your account

What Your Cash Can Get You
Cash: Get cash back and let us pay for your daily double-mocha lattes
Gift Cards: Gift giving just got easier with our brand-name gift cards





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Apply for Capital One® No Hassle CashSM Rewards for Above average credit

Remember: Running away from your creditors is not the answer. It is not a solution, and may in fact lead you to bigger problems. If you are having trouble paying off your debts, address this immediately with your creditors. Many of these desperate consumers find themselves contemplating a bankruptcy filing, but bankruptcy can carry a legacy you will have to live with for years. A bankruptcy filing will stay on your record for a minimum of seven years, and you may find it difficult or impossible to obtain necessary credit in the interim. In national accounting debts are added according to those who are indebted. Household debt is the debt held by households. "National" or Public debt is the debt held by the various governmental institutions (federal government, states, cities ...). Business debt is the debt held by businesses. On top of necessary expenses, many consumers dig their debt rut even deeper when they rely on credit cards to pay for necessary goods and services. The 2 Questions That Will Eradicate Financial Worries: What Is an Unsecured Debt Relief Program and How Does It Work Asking these two questions is the first thing you did right. That represents Step 1 in solving your most pressing dilemma: how to get demanding creditors off your back. Step 2 is reading this and learning the answers to those all-important questions. Dividing the Question into 2 Parts: Unsecured Debt and Debt Relief Many of us are burdened with unsecured debts. An unsecured debt is any debt that isn't supported by collateral or any pledge of assets. Car and home loans are examples of secured debts; the car or home can easily be repossessed by the creditor if the debtor fails to pay on time or violates any part of their agreement. Credit card bills, emergency medical expenses, school loans, and utility bills are examples of unsecured debts. When you swipe your card to buy a dress, you don’t sign anything that says the dress can be confiscated if you fail to pay on time, do you? That’s why it’s unsecured! Debt relief on the other hand is the answer to your problems. When you have difficulties paying for unsecured debts, a debt relief company or program will assist in helping you pay for your debts for lower amounts of principal, better interest rates, and more flexible payment options. There are a number of different types of debt consolidation loans: home equity loan, line of credit, or second mortgage. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." If you have debt and that debt includes two or more monthly payments to lenders at high interest rates, you do not need to be held hostage by burdensome repayment plans. Combine what you owe with a debt consolidation loan and watch your monthly payments and overall debt drop dramatically. There are numerous groups, individuals, or products on the market that are designed to help individuals dig their way out of and recover from debt. Although these products are available, there are still thousands of individuals that choose not to receive assistance. It is true that some individuals may be able to recover from debt on their own; however, it will likely take a large amount of time and stress. If you do not have a savings, account open one. Make sure that the account does not have fees or interest rates attached. If you have difficulty-managing money you may want to open a Paypal account and apply for a debit card online. This account not only protects you against identity theft, it also makes it difficult for you to get money right away. Put your debit card where you can't find but in a safe place. You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. Why Is It Important to Obtain Debt Relief? Because the debts you’ve incurred are essentially unsecured, its creditors virtually have nothing against you to run after. For that reason, they’re more demanding and tougher to dismiss than other creditors. Being harassed by creditors isn't a good way to de-stress your life, that’s for certain. Also, they can approach the court and have a “writ of execution” issued against you before they can seek payment from you for the debts you owe to them, with or without your approval. When that happens, the creditor’s allowed to seize certain types of possessions – regardless of its sentimental value. Do you want to wait for that to happen before trying out a debt relief program? How Does It Work? Many debt relief companies have been sued by the Federal Trade Commission (FTC) over the years of illegitimate and fraudulent practice. To avoid being yet another victim of a debt relief scam, make sure that you ask for suggestions from your local government credit counseling agency. If you already have a company in mind, just ask the Better Business Bureau if there has been any complaint filed against the company. Afterwards, all you have to do is provide information about yourself AND your unsecured debts, and the rest is up to them. Easy, isn’t it? Another alternative is a Personal Loan or Debt Consolidation Loan. This is one large loan to pay off smaller loans or debts. With one large loan, you will normally have a lower percentage rate and a longer pay off period. A debt consolidation loan is an option. But a debt consolidation loan might not be right for you. You might be able to consolidate debt, even credit card debt, with a remortgage. Secured loans make your creditors feel more secure about loaning you money. When someone takes out a secured loan, that simply means there is collateral to back up the money they borrowed. Whatever your motivations, a decision to consolidate debt online may be the solution but before you make your decision or offer detailed personal information to debt consolidation companies check to see what they have to offer.







  • Transfer your balance to Capital One® No Hassle CashSM Rewards for Above average credit

  • Have you had problems paying your bills on time lately?

    The fact of the matter is that you are not alone. More than 30 Million people in the U.S. have the same problems as you. Poor credit can be the primary cause for a severe inability to obtain credit cards and/or loans.

    There is a solution to this problem and it is right at your finger tips.

    Here are 7 ways you can fix and improve your credit score and obtain credit cards and/or loans at favorable rates.

    1. Reduce your balance to limit ratio.

    When a company is reviewing your credit, most of them will look at the amount of balances on your current accounts and compare that figure to the amount of total outstanding credit you have available.

    EX. Total Balances = $10,000 and Total Avail. Credit = $20,000.

    Now in this example your ratio would be at 50% which in most cases would be frowned upon by lenders. The ideal ration would be anything less than 30%

    A good idea would be to pay off those low balance credit cards to get your balance to limit ratio under 30%

    2. Cut back your credit card usage.

    Even if you are the type of person who typically pays off your credit cards every month, it is a good idea to keep your balances below 30% of the available credit limit.

    Even though you are paying off your credit cards monthly your balance is still reported to the credit bureaus.

    One of the best ways to keep track is by using financial software like Quicken or Microsoft Money. Using these programs can help you stay below 30% of your available credit limits.

    3. Know your limits.

    In some cases, your credit card companies may not report your limits to the credit bureaus. This may cause a drop in your FICO score.

    What happens is the credit bureaus will use your highest balance as an estimation of your credit limit. So if you spend between $3000 and $3500 on your card monthly then on the credit bureaus you will look like you are using more of your available credit limit than you really are.

    In most cases, you can call your credit card companies and have them report your limits to the credit bureaus.

    4. Use your older cards.

    One of the most important factors in determining your FICO score is the length of time a card has been open. The older the account the better it will make your credit score look.

    It is a good idea to use your older cards every few months just to make sure that the credit card companies continue to update your information with the credit bureaus.

    5. Help from credit card company.

    If for the most part, you have been a good customer, you can call your credit card company and ask them to remove 1 or 2 late payments from your history. Most of the time, this request has to be made in writing but it is definitely worth a shot. Your chances of success using this method increase the better your record with your lender.

    If you have had more than just 1 or 2 late payments, then another option would be to request that your lender "re-age" your account. Typically, this is where you and your lender work out an agreement that if you make 12 or more consecutive payments on time, they will delete any previous late payments.

    6. Disputing your old negative items.

    So you had a disagreement with a company over a bill a few years ago, and it is still hurting your credit today. Disputing that bill as "not mine" is an option you could use to fix or improve your credit score. A lot of times, if the item is relatively small and old, the credit card companies won't bother to respond to the credit bureaus investigation. Most of the time, this will cause the item to be removed from your credit history.

    I have seen success disputing negative items when a lender has merged with another company. The merger causes older debts to get "lost in the shuffle."

    7. Concentrate on the important stuff.

    There are certain aspects of your credit report that really affect your score. It is important to know what they are and to really focus your attention on these items to repair and improve your credit score.

    Here is a short list of the item I suggest you focus on:

    1. Negative items that are not yours (e.g. Late payments, charge-off, or collections)

    2. Incorrectly reported credit limits

    3. Anything not listed as "Current" or "Paid as Agreed". (e.g. Settled, paid derogatory, or paid charge-off)

    4. Accounts that shouldn't be there due to a bankruptcy.

    5. Derogatory items that are older than 7 years that should have dropped off. It would be 10 years if you have a bankruptcy.

    You want to be careful with this one because as we discussed earlier. Having aged accounts actually improves your credit score, even if they are negative accounts. It is not possible to know the effect of closing an old negative account. You are kind of "rolling the dice" when you do it.

    As you can see, these 7 ways will get you on your way to raising your credit score and lowering your interest rates.

    Good credit is obtainable if you just hunker down and put your mind to it. Following the tips above will help you get out of the credit "dog house".


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.