The credit cards of the credit elite

While some credit cards users struggle to control their debt and make their minimum payments on time, others have responsible credit card use down to a science. They treat credit cards only as a convenient method of payment, and pay every statement balance in full and on time. Not only do these super users avoid interest charges, but their savvy use of credit cards, and other types of loans, vaults them into the ranks of the credit elite.

Those who pay their bills on time, and have little, if any, debt, are nearly certain to enjoy credit scores of 750 and above. The credit elite can apply for any card they want, with confidence that they will most likely be approved. In most cases,...


Angela Offerman, Attorney at Kane Russell Coleman & Logan PC, Elected to …

>PRWEB.COM Newswire

Houston, Texas (PRWEB) July 26, 2014

Kane Russell Coleman amp; Logan PC is proud to announce that Angela Offerman, attorney in the firms Houston office, was selected as the Chair of the Young Lawyers Committee of the Bankruptcy Section of the State Bar of Texas.

The Young Lawyers Committee exists to increase the involvement and profile of young attorneys and turnaround professionals involved in bankruptcy and reorganization practice in Texas. The Committee provides speaking...


Credit Card Consolidation Loan Talks About Bankruptcy And Credit Card Debt

(PRLEAP.COM) July 22, 2014 – Credit Card Consolidation Loan shared in a recent article some of the questions a consumer with huge credit card debt needs to ask himself before filing for bankruptcy. The article titled Questions To Ask Before Filing Bankruptcy For Your Credit Card Debt aims to help consumers understand how bankruptcy can affect their lives.

The article starts off by highlighting the fact that there has been a decline in bankruptcy filing compared to previous years. But the decline, which is about 7% from last year, still finds a lot of people heading to bankruptcy courts to get help with their debt. Last year saw an average of 131 consumers filing for bankruptcy...


Charity in Late Baby’s Name Helps Many Families with Sick Kids

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MidWestOne Financial Group Inc.: MidWestOne Financial Group, Inc. Reports …

? a 50.0% decrease in the provision for loan loss expense; and

? a 1.8% increase in net interest income, due primarily to a 26.5% decrease in interest expense; partially offset by

? a 4.2% decrease in noninterest income, driven by a 55.6% decrease in mortgage loan origination and servicing fees, which was partially offset by increased gains on the sale of investment securities available for sale.

The second quarter was a grind it out quarter for MidWestOne, stated President and Chief Executive Officer, Charles N. Funk. Our bank portfolio loans increased $13 million during the quarter, and we continue to see moderate growth ahead. Expense control remains good, and we have...


National Debt Relief Explains Bankruptcy Filing Costs

National Debt Relief explained in a recent article published last July 15, 2014 that filing for bankruptcy carries a substantial cost to consumers. It lists down the cost items to look out for when planning to file for bankruptcy.

New York, NY (PRWEB) July 17, 2014

National Debt Relief shared in a recent article published last July 15, 2014 that filing for bankruptcy carries a substantial cost to consumers. The article titled “Before Filing For Bankruptcy, Make Sure You Can Afford It!” explains the possible expense items in case a debtor decides to file for bankruptcy.

The article starts off by citing that the cost of filing for bankruptcy may have contributed...


BP agents seize multiple fraudulent credit cards

Yuma Sector Border Patrol agents seized 147 fraudulent debit and pre-paid credit cards, and arrested two individuals on Monday.

Blythe Station agents performing a vehicle stop near Intake Boulevard discovered the fraudulent credit and debits cards after receiving consent from the driver and passenger to search the vehicle.


Bankruptcy laws can apply to nonprofits in their final days

Janeia Daniels Ingram is an attorney who has been the moving force behind organizing pro bono legal services clinics for nonprofits. She is also serving on the advisory board for the Institute on Nonprofit Innovation and Excellence and is a rising star in the sector. This week we posed some interesting questions to Janeia and here are her responses.

Can a nonprofit file bankruptcy instead of dissolving?

The answer to this question hinges largely on the way that the entity is organized and the nature of its operations. A nonprofit corporation may file for Chapter 7 (liquidation) or Chapter 11 (reorganization) in most instances, although such filings are somewhat rare. 11 US Code...


Medical credit cards: Why they can cost you big

The high cost of dentistry is apparently fueling a burgeoning market in medical credit cards, with more than 4.4 million Americans financing their root canals, orthodontia and other medical and veterinary procedures this way.

These cards, which charge interest rates ranging from 10 percent to nearly 30 percent, help consumers pay for medical services that are not covered by health insurance, according to a recent study by the Government Accountability Office. And theyre are great deal for the dentists, doctors, veterinarians and other medical professionals that offer them because the credit issuer provides payment to the doctor for the cost of the service, usually within 72 hours of processing...


Nearly 70% of U.S. Consumers Want Their Chip-and-PIN Credit Cards

NEW YORK (LowCards.com) — Consumers in the United States are more than willing to transition to chip-and-PIN cards. In fact, arecent surveyindicates the majority of Americans are looking forward to the transition, with higher-security cards thatcontain a computer chip and require the cardholder to enter a PIN.

According to a survey from Vision Critical, 69% of Americans believe EMV chips will make their purchases more secure, since the cards are hard to duplicate and a thief must know the cardholders PIN to complete a transaction. Only 5% believe the chips will lessen the security on their cards.

Americans are anxious to use chip-based credit cards, but 64% of respondents...