Thoughts and Riches

.....a blog about personal finance, motivational stories, deals, and special offers

Web Domain Registration
Go Daddy $12.99 Turbo SSL Sale!
Get Started Now
Tuesday, October 21, 2008
Credit card search site
Given the current economic conditions and credit crunch, it has become hard for businesses and consumers to get credit. Banks have become increasingly reluctant to engage even in overnight lending to other banks due to the fear of counterparty default risks. Hopefully, the recently passed $700 billion rescue plan in the US as well as other measures taken by the federal reserve banks around the world will ease the credit crunch, and help consumers and businesses get the necessary credit.

In the mean time, another thing consumers have to worry about is the increasing number of layoffs due to the economic slowdown. As a result, regardless of your job stability, it is important to have sufficient emergency funds as a precautionary measure.

Another thing to ensure is that you have credit cards with sufficient credit limits, along the home equity line of credit (if owning home) in place. While they are relatively easier to get while you still have a job, it becomes tough to get them after a job loss. Of course, both the credit cards and home equity line of credit should be reserved for emergency use rather than for vacation or other binge spending.

Additionally, if you are carrying balances on credit card, you can consider doing 0% APR balance transfer. By transfering balances from a high interest credit card to a card offering 0% APR, you can reduce your overall interest charges and debt. In addition, some credit card companies offer opportunities to earn rewards even on balance transfers. Of course, before jumping into any balance transfers, you need to take into consideration any balance transfer, transaction and other fees to ensure that you are still coming out ahead in savings.

Fortunately, there are many good Web sites that enable consumers to search and apply for credit card offers with 0% or low APR balance transfer; cash, airline, hotel, gas, and even charity rewards; or with low or no annual card fees. One such site is has a very intuitive and user friendly interface. Using the various Easier card selection tabs and links on the's Web site and specifying the appropriate selection criteria such as 0% APR on Balance Transfer, you can easily and quickly search and apply for various credit cards that meet your selection criteria.

Another useful feature of's Web site is what it calls Fast-and-Easy Solutions. This feature enables consumers, who may not have enough time or knowledge to apply for credit card, to simply specify their needs and expectations. CreditBreak can then recommend them potential credit cards based on their specified criteria. is more than simply a site to apply for credit cards. It also provides a valuable library of credit-related articles, including the pros and cons of credit use. Interested in credit card trivia? offers an interesting history of credit cards, including the reasons for their introduction and the fact that they didn't initially start out as plastic cards - the cards were initially made of cardboards!

To find out more about the history of credit cards, to review the articles, or to apply for credit cards with 0 APR balance transfer; cash, gas, hotel or airline rewards, etc, check out the following links:

0 balance transfer

posted by Ruby @ 7:37 AM  
Post a Comment
<< Home

See important Disclosure and Disclaimer

Favorite Quote
"If you look at what you have in life, you will always have more. If you look at what you do not have in life, you will never have enough".
                - Author Unknown
This site uses cookies from companies like Google and others to enable the companies to deliver their services, personalize their ads and product offerings, and for traffic analysis. Information about your use of this site is shared with these companies. By using this site, you agree to its use of cookies. Additionally, this site, including blog posts, may contain reviews, links, banners, text and other forms of advertisements for products, services, courses, and so forth of companies of which we may be an affiliate member or for which we may get paid for referrals. This site may also contain blog posts for which we are paid, as well as blog posts regarding products or services of companies from which we may have received complimentary products or services.
Reward Surveys/Panels/Shopping/Contests
Kellogg's Coupon Newsletter - Take Control of Your Money
Protect Your Computer Files
Job Search site
Indeed Jobs
Yahoo! HotJobs - Job Postings
Credit Cards
Best Western Canada Credit Card - 20,000 rewards points: Apply Now!
Apply Now!
Health: eHealthInsurance
Phone Service
Investing 120x120 Best Seller Giveaway
Find the perfect babysitter at
Previous Posts
Favorite Charities
Disclaimers, Privacy Policy, and Disclosures
  • Disclaimer, Privacy Policy, and Disclosures

  • Third-Party Offer Disclaimer
  • Subscribe to Blog Posts
    Add to Google Reader or 

    Bookmark this blog site
    Contact Me


    Web Site Link Exchange

    Link Exchange

    © Thoughts And Riches proudly powered by Blogger.