Posted on 26 April 2011
Tags: account, Amazing, american adults, American Express, American Express black Centurion card, Americans, AmericansÂ, annual fee, APR, Argos, ARM, average, bank, Bank of America, boring topic, branded credit card, budget, Business, California, california hills, california sky, cardÂ, Centurion Card, check sum, Comcast, commendation, compare, credit, credit and debit card fraud, credit balance, credit card, credit card expires, credit card fraud, Credit Card Marketing, credit card membership, credit card number, credit card offer, credit card offers, Credit Cards, credit history, Credit Karma, credit result, Credit Score, credit scores, CreditKarma, date, deals, debit, debit card, Debit cards, evenlyÂ, exclusive credit card, expiry, expiry date, fraud, interest rate, logo's Blue, Logos, Low interest rat, low interest rate, Luhn Formula, magnetic strip, minimum payment, most exclusive credit card, pay off, personal safety, requirement, retail giant, security index, sum formula, tea, technique, Telecommunication, Telecommunication effects, Telecommunication field, terrorism, UK, Unisys, united states, usersÂ, Visa logo
Many people believe that credit scores, credit cards and credit history is very boring topic. Nowadays a plastic card that is credit or debit cards are present in almost all the wallets. Here are some of the most interesting and fun facts that will be shocking for you.
1. Visa Logo on the Credit Card
This is an amazing fact about Visa logo on the credit card. A visa logo’s Blue and gold Portions on a credit card represents the color of the California sky and California hills respectively, which is the state where Bank of America was founded.
2. Americans Fear of Debit or Credit Card Fraud
Americans are full of fear not because of terrorism, computer viruses, heath or personal safety. They are frightened because of the credit and debit card fraud according to a source: Unisys Security Index: United States, March 2009.
3. Worse Interest Rate
Suppose you are having it worse with a matched up 29.9% interest rate? Retail giant Argos rocked out with a branded credit card with a ridiculous 227% APR, UK in 2008.
4. Credit Score
1/3 of American adults do not want to check their credit score. Moreover, 2/3 of American adults who are 144 million people have not even checked their credit balance for many years. Don’t be the part of this list, which are unaware of their credit result from a long time, so for getting your score free as soon as possible contact at Credit Karma.
5. Credit Card Marketing
Each American family gets an average of six credit card offers per month in the mail. You can stop those irritating deals by going to ‘OptOutPrescreen’ in your mail. However, now you can save trees while reviewing credit cards on Credit Karma.
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Posted on 07 May 2009
Tags: Amalgamated Bank, American Express Co., auto insurance, Bank of America, Bank of Atlanta, Bank of New York, BB&T, Brookline Bank, Brown & Co., Cable TV, California, car insurance, car loan, cellular telephone, Charles Schwab Bank, Charter One Bank, Chase Manhattan Bank, Cingular Wireless, citibank, Clackamas Community Federal Credit Union, Comcast, Coral Springs Nissan Auto Mall, Countrywide Bank FSB, Credit Score, Digital Federal Credit Union, eBank, equifax, Equifax Valley National Bank of NJ, EverBank, Fidelity Investments, Fifth Third, Flagstar Bank, GMAC Bank, hard credit inquiry, hard inquiry, Indiana Members Credit Union, Johnson & Johnson, LionBank, Marquette National Bank, Meadows Credit Union, Mechanics Bank, Muriel Siebert & Co., NASA Federal Credit Union, National1St Credit Union, Pentagon Federal Credit Union, PNC Bank, Presidential Bank, Principal Bank, Provident Central Credit Union, Qwest, Salem Five, savings/combination brokerage, soft credit inquiry, St. Paul Bank Corp., State Farm, SunTrust, Trans Union, US Bank, Verizon, VOIP, Wachovia, Washington Mutual, Wells Fargo, Wisconsin, Yale, Yale & Associates
There are two types of inquiries that a company may make into your credit record,i.e. “‘hard inquiry” or “soft inquiry”.
If a company makes a hard inquiry into your credit record,it will damage your credit score temporarily.Your credit score may be damaged only by a hard inquiry while a soft inquiry does not affect your credit score. 
If you are planning to get a mortgage or you need a car loan then in this situation even a few points difference in your credit score cannot be ignored and this small difference in your credit score may magnify into a considerably big change. So we need to know that how can we decide whether the inquiry is going to be “hard” or “soft”?
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