Location
Santa Rosa, CA
About
Birthday:
November 5
Age:
Why do you want to join Black Business Women Online?
to connect with professional women globally, network and share the journey
What's Your Business?
media, law, wine, telecommunications
How did you find BBWO?
Other
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forwarded from friend
About Me:
A 21st century renaissance woman, my life has included being responsible for raising my 6 younger siblilngs (with no father-figure present in my early years), attending college with the intention of becoming the first Black female U.S. Supreme Court Justice... while at Boston Univ., I chose media while being a law clerk as well. I realized that it would benefit me to be multi-talented, thus the "renaissance woman" byline. After travelling the east and west coasts (including visits to other countries) I am now in the Sonoma wine country. Recently I became a partner in a telecommunications business that is taking the world by storm! Cell phones, step aside! Let's connect anytime... Life is short...B-positive!
What are your most common online activities?
keeping up with the global wine industry, staying abreast of where and how I can make a difference in the lives of young women in particular, both in the U.S. and parts of Africa; listening to new music from classical to John Legend and Andre! most of my websites are winebroker@...
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I STRONGLY GREET YOU IN THE NAME OF OUR LORD AND SAVIOR JESUS CHRIST. GOD HAS DONE GREAT THINGS FOR ME IN MY LIFE AND I WOULD LOVE SHARING THIS EXPERIENCE WITH YOU -AS I HAVE DONE SO WITH SO MANY FRIENDS HERE AT BBWO. I WOULD LIKE TO TAKE THIS OPPORTUNITY TO PERSONALLY INVITE YOUR TO JOIN MY BIBLE STUDY GROUP ENTITLED "SISTA'S EMPOWERED BY GODS WORD" AND ENCOURGAE YOUR INPUT TO OUR TESTIMONY CORNER AS WELL. I PRAY THAT GOD CONTINUES TO BLESS AND SHOW YOU TREMENDOUS FAVOR AND INCREASE. BE BLESSED - SIS. HELEN
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