http://www.isnare.com/?s=author&a=Daniel+Cohen Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45742&ca=Finances A credit card is an agreement between the issuer (a financial organization or a bank) and the cardholder (you). The agreement becomes a binding contract when you sign it, indicating to the credit company or the issuer that you will pay them in future for the credit lent to you. The issuer or the ban... Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45750&ca=Finances Conventional thinking leads us to understand that school and college going children do not have any special usage of the credit card, other than downloading the latest chartbuster or purchasing an occasional gift item. However in practicality, children today have gone overboard to such an extent wit... Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45892&ca=Finances The airline credit card came into existence when credit card companies realized the profitability of teaming up with airline companies to provide better incentives and opportunities for consumers to encourage spending. Luckily for the credit card companies, the concept of frequent flier program was... Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45898&ca=Finances Cash back are a good inducement for customers to make a regular use of their credit cards. Most customers are voluntarily asking for credit cards with the ‘cash back’ feature in them. It works in the concept of ‘earning money while you are spending it.’ When you use a cash back credit card, you earn... Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45901&ca=Finances Being well versed in the art of personal finance and managing personal expenses is one of the first things every college going student must know. The moment your child sets foot inside the college campus, he or she will be flooded with a lot of credit card offers with the most glamorous, attractive... Finances Daniel Cohen Wed, 19 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45912&ca=Finances How will you react if you get a call one fine day from the collection agency stating that you are liable for charges on your account that have not been made by you? You will definitely get angry, lambast the credit card company and take the legal course. The damage however will be done by that time,... Finances Daniel Cohen Wed, 12 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45380&ca=Finances What is an instant approval credit card? You must have come across many credit card companies online claiming that you can apply for a credit card right away and it will be approved ‘instantly’. However, it does not primarily mean that once your application is approved, you can start shopping. You h... Finances Daniel Cohen Wed, 12 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45393&ca=Finances A free prepaid debit card is a viable alternative to a credit card. If you are looking for a mode of payment which can save money and also help you manage your finances, then you can go for free prepaid debit cards. Prepaid debit cards are easier to apply compared to credit cards. If you are an empl... Finances Daniel Cohen Wed, 12 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45402&ca=Finances Travel reward credit cards are a part of the credit card reward program that allows you to redeem cash or credit on your travel purchases. If you are a frequent flier, you can accumulate points using the travel reward credit card of your favorite airline company. You can also use your normal credit... Finances Daniel Cohen Wed, 12 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=45432&ca=Finances An APR or the Annual Percentage Rate is the combination of monthly finance charges and interest rates expressed annually. Every credit card has different APRs. For example there is a certain rate of APR for purchases, cash advances and balance transfers. The cash advances have the highest APR compar...