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Welcome to my MissBeHelpful channel!
Lots of you have been asking me to talk more about APR, or annual percentage rate. This is a term used in reference to everything from mortgages and car loans to credit cards, so it’s really important that you take a few minutes to understand how it works!
In this video, I look at credit card APR – which we all have listed on our monthly statement. Here I jump into what APR is, how it’s calculated and how to think about APR when applying for new cards.
To get more awesome resources about APR, check out the “Better Money Habits” partnership between Bank of America and Khan Academy: https://bettermoneyhabits.bankofamerica.com/en/credit/what-is-apr
More from MissBeHelpful:
My VERY FIRST video (AWWW): https://www.youtube.com/watch?v=SO-xx4acDEM&t=206s
How to Improve Your Credit Score FAST: https://www.youtube.com/watch?v=QX3JZeEVgBM
Common Credit Card Myths: https://www.youtube.com/watch?v=RFPeyxmMbo4&t=4s
5 Things to Consider When Applying for New Credit Cards: https://www.youtube.com/watch?v=iXowOnl0Wrc&t=86s
How To Earn Rewards Without Hurting Your Credit Score:
Why I Don’t Care About A Perfect Credit Score & You Shouldn’t Either: https://www.youtube.com/watch?v=gwj2ywlmf0Q
When Should You Get Your First Credit Card?: https://www.youtube.com/watch?v=wQxjJTYqKvI&t=2s
Can I Keep My Oldest Card Without the Annual Fee?: https://www.youtube.com/watch?v=jRL38UJWl-Y&t=2s
Is 0% Utilization Bad for Your Credit Score?: https://www.youtube.com/watch?v=zGhzG6FvWBw&t=2s
How Many Credit Cards Should You Have?: https://www.youtube.com/watch?v=tabVCCRFDN0&t=9s
How Authorized User Status Might Increase Your Credit Score: https://www.youtube.com/watch?v=9LgPACQq0Qo&t=2s
7 Reasons Your Credit Score Might Drop: https://www.youtube.com/watch?v=SSC5HtzVWh0&t=45s
How to Manage Many Different Credit Cards: https://www.youtube.com/watch?v=gqDw-92yQq0&t=4s
How to Upgrade Your Credit Card With a Product Change: https://www.youtube.com/watch?v=XUtzuKnOnqY&t=219s
Why Does It Take So Long to Fix Your Credit??: https://www.youtube.com/watch?v=ODvfz7r07xI&t=194s
3 Ways to Protect Your Credit Report & Financial Information: https://www.youtube.com/watch?v=2k-wEGcWjeo&t=8s
When to Pay Your Credit Bill and Increase Your Credit Score: https://www.youtube.com/watch?v=Ks6MjdlxTKQ&t=238s
Freeze Your Credit for FREE!: https://www.youtube.com/watch?v=U_dIKci6Ydg&t=17s
BUSINESS INQUIRIES: Missbehelpful@gmail.com
’Til next time… PEACE!
Are Student Loans Revolving Debt, How Does Credit Card APR Work?.
How To Leave The Debt Trap
Being debt totally free with incomes decreasing, debt relief is difficult to come by. Financial obligation relief networks can make you Debt Free without any worries or tensions.
How Does Credit Card APR Work?, Search popular high definition online streaming videos related to Are Student Loans Revolving Debt.
The Spiritual Elements Of Living Debt Free
The payment strategy should help you to pay off the priority loans easily. Once the list has actually been created you need to note the minimum payments for each financial obligation.
Waking in financial obligation is not something that any person wants. Owning money to companies that will not stop hassling you with call at all hours of the day is enough to make anyone tear their hair out. But as a debtor, you have lots of choices to tackle eliminating your financial obligation forever. You’ve most likely seen all of the websites and ads online that will tell you they can wipe your financial obligation clean for simply a couple of pennies. While these sites overemphasize exceedingly, there are ways you can bring your rates of interest down and make your debt more workable.
UnSecured Debt is debt that is not Secured Debt-it isn’t connected to any particular properties. Simply because a financial obligation is “unsecured” does not indicate that you can not be sued for the financial obligation. On the contrary, it implies you need to be sued in individual for the debt collector to collect any money. The lender then “implements” the judgment against you by garnishing wages or attaching accounts. However this can be hard for numerous factors.
The first thing to do is make a list of all your month-to-month income. You require to include everything so you have an honest concept of what you need to deal with.
They might believe that being Debt Free is impossible which is a mistaken belief and not real. Anyone can end up being Debt Free with a plan and appropriate guidance.
A great credit report isn’t practically debt, but how well you handle it. Great credit is also constructed when different type of debt are reported. House home loans or auto loan will help improve a credit score as long as they are managed well. Charge card reveal a various kind of financial obligation, Revolving Debt. The month-to-month payment amount varies with usage. Handling credit card debt is a wonderful method to improve your credit score. Improving a rating will spend some time. You will need to keep negatives out of your budget plan in order to see it go up and onward.
When noting your financial obligations on your worksheet, document the limit of each credit card or other type of debt and include these amounts approximately get your total possible debt. You can discover information about your limits on your statements. This will reveal you the overall possible quantity of financial obligation you might have. Are you at the top of your limitations? Or could you go further much deeper into debt? In any case now you understand how bad it can get.
Debt issues are extremely typical, and so are bankruptcies. There is a preconception that filing for personal bankruptcy is incorrect. In fact, applying for assistance is frequently the very best decision you can make.
A person does not require to take a trip down this road alone. Even if you have one loan that is late on a payment, your credit score will suffer. A fine example of this is in the housing market.
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