Thursday, September 5, 2013

NFL Extra Points Credit Card

If you enjoy the game, this is the ultimate credit card for you. NFL rewards points for every dollar spent.

NFL Extra Points Credit Card

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  • All 32 teams or the NFL Shield card plastic are available
  • No annual fee
  • Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • Season & Game Ticket Financing No Interest Financing for 6 months on ticket purchases of $500 or more.
  • 20% off at NFLShop.com – that's $20 off every $100 you spend!
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  • Two Regular Season Game Tickets 25,000 POINTS
  • Team Jersey 12,000 POINTS
  • Two Superbowl Tickets 200,000 POINTS
  • Pre-Game Sideline Passes 25,000 POINTS
  • $25 NFLShop.com Gift Card 3,550 POINTS
  • VIP Stadium Tour 2,000 POINTS
  • Player Name & Number T-Shirt – 3,700 points
  • Team Adjustable Hat – 2,600 points
  • Player-Autographed Mini Helmet – 20,000 points
  • Pre-Season Tickets – 15,000 points
  • Kids Club Membership – 3,000 points
  • Post-Game Press Conference Access – 10,000 points
  • Golf with an NFL Player – 500,000 points
  • Tour of NFL Films – 25,000 points

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Wednesday, July 17, 2013

Will Student Loans Lower My Credit Score?

By Amy Jhn

Because of the rising cost of tuition, more and more students are forced to apply for student loans to pay for tuition fees and other school necessities. Getting loans while they're still getting their degrees teaches students the value of credit and the value of hard work.

Other students stay away from loans because they usually say, "Taking on a student loan will be negative for my credit report." Or "Taking on a student loan will affect my credit score."
Loans can be a nightmare for many students especially if they don't do proper research before applying. Loans having a negative effect on your credit are one of those credit myths that affect the students' views on loan applications.

How to Keep a Student Loan Credit Score Friendly
It could have a good or bad effect in your credit score. There are ways to keep a student loan favourable to you. Just follow these tips:

1. Pay on time every month

Low credit scores are never a good thing especially for students. It should be paid on time every month because this will show on your credit report as proof of a good payment history. If you're a student that has a credit card and a student loan, they could actually be a plus to your credit score. Multiple bills to your name that are paid on time tell lenders and creditors that you can handle your finances well.

Make sure that you pay your loans and other bills on time so that it would be easy for you to buy a home or a car after you graduate.

2. Take control of your credit card debt

If you have a credit card, it should be well-regulated and paid on time. It has a greater effect on your credit score than an actual loan, but this doesn't mean that you should prioritize it over your student loan. Both can have a tremendous impact on your credit score so you have to handle them both very well. Student debt doesn't go away even if you file for bankruptcy someday. It will haunt your credit score and finances in the long run if you don't know how to manage it.

3. Talk to your lenders

There can be times when you go through personal difficulties that affect your ability to pay your bills on time. Talk to your lenders if you feel you are unable to keep up so that you can discuss how you can eventually get back on track with your loan. They might be able to give you a 30-day or 60-day reprieve on your loan, so you don't have to worry about your payments in the short term.

4. Regularly check credit reports

College students should always do this so that they may be aware of their payments and their loans. Take note that there are some lenders that do not give reports to all three credit bureaus and loan reports are not the same all the time. Keep an eye on unauthorized purchases or loan approvals as well and make sure you refute them.
Before you apply for a student loan, make sure that you can handle it well. It doesn't have to be a negative on your credit as long as you know what to do to turn it to your advantage-as a student and as a future college graduate.

Amy is an active blogger who is fond of sharing interesting finance related articles to encourage people to manage and protect their finances. She also covers topics on how to check your credit score and what is considered a bad credit score.

Article Source: http://EzineArticles.com/?expert=Amy_Jhn

Tuesday, July 2, 2013

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