Comments

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  HOUSTON MCMILLER January 1, 2011 at 5:50pm

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  Nickii's Boutique September 24, 2009 at 4:08pm

  Well You Should Be
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  Nickii's Boutique September 15, 2009 at 3:32pm

  I Don't Think You Heard Me
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  Nickii's Boutique August 22, 2009 at 3:53am

  Finally! An update on what's happening at Nickii's Boutique! Get your fix at Nickii's News.
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  Otto Spruill July 29, 2009 at 8:01pm

  
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  Nickii's Boutique July 29, 2009 at 4:48pm

  FREE - Roza Maron Thong ($19)

  

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  Geneva Casimier July 23, 2009 at 4:21am

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  LaShanda Henry June 27, 2009 at 7:11pm

  
  
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  Hardest Working Woman In Credit May 21, 2009 at 11:52pm

  The dangers of a secured credit card
  
  A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.
  
  The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.
  
  My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.
  
  
  More dangers to beware of below:
  
  The company will charge you a high interest rate.
  The company will charge you a set up fee, just for the card.
  The company will charge you a late fee on your own money if you don’t make the payment on time.
  The company will report you late on your own money when you miss a payment on your money.
  
  The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.
  
  However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.
  
  Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.
  
  The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.
  
  Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com
  
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  LaShanda Henry May 18, 2009 at 9:38pm

  Greetings!
  
  This is LaShanda Henry, founder of Black Business Women Online. I hope you are enjoying the network. If you want to really get started, Grab your FREE Black Business Starter Kit which includes social networking tips, webinars, and more.
  
  
  
  
  If you already signed up for the Kit that's Great! Have an amazing day.
  
  LaShanda