Credit Magic

We at the CreditMagic Community aim at offering personalized credit solutions to all those who need it. It is very important to have a good credit score and we absolutely understand that, which is why we endeavor to offer you advice to help you take the right decisions. Through this community, we would like to educate and empower you to independantly handle your credit and manage it better. We have made an attempt to offer you a good resource on how to repair your credit and all this is for free. We understand how many of you may fall prey to scams or how you may become a victim of identity theft. We would like each one of you to be well equipped with the right knowledge in the debt industry. Through popular articles we attempt to educate you on why it is important that you clean your credit.

creditmagic.org

Credit Magic Blog » Blog Archive » How to manage multiple credit cards like a pro

How to manage multiple credit cards like a pro

If you own multiple credit cards and use them periodically, you are one of the 33% of US citizens who use multiple credit cards.

https://www.creditmagic.org/blog/2018/08/31/how-to-manage-multiple-credit-cards-like-a-pro/

#creditcards #creditcardmanagement #moneymanagement #creditcarddebt #personalfinance

creditmagic.org If you own multiple credit cards and use them periodically, you are one of the 33% of US citizens who use multiple credit cards.

Why Do Store Cards Have More Chances of Defaults?

https://www.creditmagic.org/blog/2018/08/03/why-do-store-cards-have-more-chances-of-defaults/

Do you know when was credit card first introduced into the world of commerce and business? And, on what ethical terms were those cards introduced?

Once you get the answers and understand the real meaning of credit, you are bound to realize the serious mistakes you have done in the name of credit!

#creditcards #storecards #rewardcreditcards #creditcarddebts #paymentdefaulter #personalfinance

What happens to credit score when you do a balance transfer?

https://www.creditmagic.org/blog/2018/07/06/what-happens-to-credit-score-when-you-do-a-balance-transfer/

The #creditscore is probably one of the biggest concerns for us, the #consumers. No matter whatever #creditactivity we initiate, we always want to make sure that our credit score remains intact!

Now, lets see what really happens to your credit score when you transfer your balance to another card..

#creditcardbalancetransfer #creditcards #creditcarddebt #balancetransfer #creditscore #personalfinance

creditmagic.org

Credit Magic Blog » Blog Archive » Credit card payment systems – Learn more to avoid transaction decline

Credit card payment systems – Learn more to avoid transaction decline

From the customers’ point of view, a transaction process of a credit card looks simple. We swipe the card, put authorization PIN and the payment is done within a few seconds. But behind every swipe, there’s a lot of thing happening which we don’t know.

It is a very complex process. We can only see the initial and the last steps of a credit card transaction. But we usually don’t know what was going on within the last few moments. And that is the reason, sometimes our payment gets denied.

There are multiple steps and process working behind a successful credit card transaction.

#creditcardtransaction #moneytransactionproblem #creditcard #personalfinance #financialtechnoloy #creditcardpaymentsystem

creditmagic.org From the customers’ point of view, a transaction process of a credit card looks simple. We swipe the card, put authorization PIN and the payment is done within a few seconds. But behind every swipe, there’s a lot of thing happening which we don’t know.

Spotlight

Awesome!

LOVE this beautiful calligraphy work by Tolga Girgin! (IG: tolgagirgin99)

nytimes.com

New Law Will Let Consumers ‘Freeze’ Credit Files Without Charge

New Law Will Let Consumers ‘Freeze’ Credit Files Without Charge

Americans will soon have the right to freeze their credit files free of charge.

#creditfreeze #creditcardlaw #creditfiles #creditcarddebt #freezecreditfiles #personalfinance

nytimes.com Credit experts often recommend a freeze as a way to protect personal information from fraud and identity theft.

creditmagic.org

Credit Magic Blog » Blog Archive » Killing the myths about credit and collection agency!

Killing the myths about credit and collection agency!

https://www.creditmagic.org/blog/2018/06/08/killing-the-myths-about-credit-and-collection-agency/

In today’s world, we can’t think of a life without taking credits.

The reason behind this is that credit cards are taking over every single mode of transaction these days.
Going shopping? Use these credit cards as they may offer discounts.. Wanna eat out?? This restaurant gives 20% off on selected wines if paid with credit cards, and so and so.

#creditcardcollectionagency #creditcarddebt #collectionagencies #creditcardcollectionmyth #collectionagencymyths #personalfinance

creditmagic.org The reason behind this is that credit cards are taking over every single mode of transaction these days. Going shopping? Use these credit cards as they may offer discounts.. Wanna eat out?? This restaurant gives 20% off on selected wines if paid with credit cards, and so and so.

Jukin Video Daily

Wet and wild 🤣🤣🤣🤣

In The Know Innovation

This machine literally eats trees 🌲

forbes.com

Retire Well: The Most Important Thing Boomers Need To Know About Credit Card Debt

Retire Well: The Most Important Thing Boomers Need To Know About Credit Card Debt

Forty-eight percent of credit card holders who carry a balance don’t know or are unsure of the interest rate they are paying, according to a recent CreditCards.com study.

#retirementplan #personalfinance #seniorfinance #creditcarddebt #debt

forbes.com Chances are if you don't know your credit card rate, it's a high one! Interest on credit card debt could be robbing you of life's simple pleasures today and retirement tomorrow.

nbclosangeles.com

US States With Most Credit Card Debt

US States With Most Credit Card Debt

The New York state comptroller's office released data on the states with the highest amount of credit card debit, with California far and away no. 1 on the list with a whopping $106.8 billion by the end of 2017.

#creditcarddebt #unitedstatescreditcarddebt #finance

nbclosangeles.com Californians have the most credit card debt of any state in the the United States

In The Know Innovation

This device could help millions of people get a good night's sleep 🛌💤

In The Know Innovation

These are some genius secret storage spaces 😎

In The Know Innovation

Embrace your inner shark while riding this crazy-looking torpedo watercraft.

In The Know Innovation

These adhesive pads allow you to walk barefoot without damaging your feet.

www.creditmagic.org

Evaluate attractive credit card offers – Why and how to do it

When you’re getting a new credit card, it’s important to verify all the offers available in the market. After all, it’s your money, you should ensure that you are getting the best available deal along with the card.

Here are the steps you should follow every time while picking up a credit card.

#creditcards #aprcreditcard #creditcardoffer #personalfinance

creditmagic.org

In The Know Innovation

This Safehaven Marine crew built a world-record breaking ship that can't be capsized.

Spotlight

Perfect balance is achieved in these rockin' sculptures! 👏 Manu Topic

Jukin Video Daily

Awesome! :D

Teach a man to fish and you'll get some hilarious videos 🎣

creditmagic.org

Credit Magic Blog » Blog Archive » Card sign-up bonuses: 3 Important points to know before cashing in

Card sign-up bonuses: 3 Important points to know before cashing in

Credit card sign-up bonus has become very popular these days. Many credit card companies offer sign-up bonuses for opening a new card. You may get rewards like cash back, points, double cash back, miles, free hotel stay, etc. All the sign-up bonuses are enticing. Many people are applying for a credit card just to get those sign-up bonuses. But there is a big catch that they might not be aware of.

#creditcardpoint #creditcardrewardpoint #creditsignupbonus #personalfinance

creditmagic.org Credit card sign-up bonus has become very popular these days. Many credit card companies offer sign-up bonuses for opening a new card. You may get rewards like cash back, points, double cash back, miles, free hotel stay, etc. All the sign-up bonuses are enticing. Many people are applying for a credi...

creditmagic.org

Credit Magic Blog » Blog Archive » Your reasons for why you need to take credit rating seriously!

Your reasons for why you need to take credit rating seriously!

Nowadays credit rating is known by another name, credit score. Even a few years back the credit bureaus used to give out a summarized result of your credit history which they called credit rating!

A summary of why credit rating is important

#creditrating #creditscore #creditcarddebt #personalfinance

creditmagic.org Nowadays credit rating is known by another name, credit score. Even a few years back the credit bureaus used to give out a summarized result of your credit history which they called credit rating!

Jukin Video Daily

Have you pulled this prank before? 😆

In The Know Innovation

Cutting the grass with this heavy duty lawn mower won’t feel like a chore anymore.

creditmagic.org

Credit Magic Blog » Blog Archive » How to start building credit being a new teenager

How to start building credit being a new teenager

Your teenage years are the best time for building a strong credit history.

Know how you can build it from your early age..

#credithistory #creditcarddebt #debt #buildcreditscore #creditscore

creditmagic.org

In The Know Innovation

Now you can take your whole squad biking with this 7-seater bike! 🚲

Jukin Video Daily

AhhhAAAAHHHaahhhAAHHahhhhhhh!!!

[05/04/18]   Whats up guys?

Poke My Heart

Don't forget to water the dogs 😂

creditmagic.org

Credit Magic Blog » Blog Archive » How to pursue a good credit card behavior and fulfill financial goals

How to pursue a good credit card behavior and fulfill financial goals

Credit cards are both beneficial and harmful in our modern finance world. You can free yourself from the need for cash, use it to build a good credit score, and buy anything/anywhere easily. But you must know that credit cards can easily accumulate huge debts and harm your credit score.

Getting your first or a new credit card is easy, but to maintain that card you’ll need intelligence, deep insight, and planning. If you become careful, you may fulfill your big financial goals through good credit card behaviors.

Here are some..

#creditcards #creditcarddebt #personalfinance #financialgoals #goodcreditbehavior

creditmagic.org Credit cards are both beneficial and harmful in our modern finance world. You can free yourself from the need for cash, use it to build a good credit score, and buy anything/anywhere easily. But you must know that credit cards can easily accumulate huge debts and harm your credit score.

Jukin Video Daily

Snack time!

CNN

"Life is a very precious thing, and you hang onto it as much and as long as you can." Here's the story of how Sonia K. and her sister survived the Holocaust. https://cnn.it/2uRilIf

creditmagic.org

Credit Magic Blog » Blog Archive » Closing your credit card? Here are the dos and don’ts!

Closing your credit card? Here are the dos and don’ts!

Closing down your credit cards might seem to be a very fruitful decision as you just want to cut down a big liability.

We believe that unused credit cards are a burden, and it’s better to get done with them for good.

But you should know the dos and dont's pretty well..

#creditcardcloser #creditcarddebt #personalfinance

creditmagic.org But is it really that sensible to close the card you don’t use? “Think twice” is the phrase that comes to my mind whenever I want to close mine.

Daily Mail Try Not To Cry

This dog is a survivor! ❤️
Credit: Hope For Paws

creditmagic.org

Credit Magic Blog » Blog Archive » Credit card fraud – Types and characteristics you need to know

Credit card fraud – Types and characteristics you need to know

Credit card fraud can happen in various forms. The prime reasons for credit card fraud may also be different. Some of them are planned to steal funds from accounts, while some of them are functioned to buy goods without paying the money.

Furthermore, it is important for you to realize that credit card fraud is related closely to identity theft.

Here are the most common credit card frauds that you can experience these days.

#creditcardfraud #identitytheft #CNPfraud #counterfeitcardfraud

creditmagic.org

creditmagic.org

Credit Magic Blog » Blog Archive » When is it wise to pay the minimum balances?

When is it wise to pay the minimum balances?

Being debt free is one of the most important things to improve your financial life. So, you need to focus on paying all of your major debts in full like – home loan, car loan, medical bills, and particularly credit card debts.

But, there are few instances where it is wise enough to pay only the minimum balances on your credit card. It is because the minimum payments can be a short term solution to your other financial issues.

Have a look at them:

#minimumbalance #creditcarddebt #creditcardpayment

creditmagic.org Being debt free is one of the most important things to improve your financial life. So, you need to focus on paying all of your major debts in full like – home loan, car loan, medical bills, and particularly credit card debts.

LADbible

🤣

Rabbit: 'I have a need. A need for speed.' 😂

creditmagic.org

Credit Magic Blog » Blog Archive » Know whats of debit cards and how to use it wisely!

Know whats of debit cards and how to use it wisely!

Debit cards are useful. No doubt in that. But is it the most convenient way to live a cashless life? Obviously not, because we have credit cards and other prepaid cards.

Giving a one-liner, debit card grants you direct access to your personal savings/checking account, hassle-free and easily.

#debitcard #cashlessshopping #moneysavingtips #personalfinance

creditmagic.org Debit cards are useful. No doubt in that. But is it the most convenient way to live a cashless life? Obviously not, because we have credit cards and other prepaid cards.

[03/15/18]   Can't stop laughing 🤣

creditmagic.org

Credit Magic Blog » Blog Archive » 4 Ways to turn unwanted gift cards into cash

4 Ways to turn unwanted gift cards into cash

Often people receive gift cards that they know they are not going to use. Why so? One of the common reasons is the gift card they get for a store at which they never shop. Maybe the shop location is too far from their way or too expensive.

Here are some easy ways you can turn gift cards into cash..

#giftcards #coupon #shopping #moneysavingtips #personalfinance

creditmagic.org Often people receive gift cards that they know they are not going to use. Why so? One of the common reasons is the gift card they get for a store at which they never shop. Maybe the shop location is too far from their way or too expensive.

LOL Therapy

This reminds me my childhood! :D

When parenting is constantly saying "Excuse the Mess" 🐷😂

creditmagic.org

Credit Magic Blog » Blog Archive » How to help your kids build their own credit?

How to help your kids build their own credit?

I can understand how worried you are about your kid’s ‘credit future’, given the current debt crisis our country is going through. Good credit seems to be a precious jewel to preserve nowadays.

#kidsfinancialawareness #financialeducation #kidsmoneyhabits

creditmagic.org I can understand how worried you are about your kid’s ‘credit future’, given the current debt crisis our country is going through. Good credit seems to be a precious jewel to preserve nowadays.

creditmagic.org

Credit Magic Blog » Blog Archive » The mistakes with reward credit cards – How to avoid the pitfalls

The mistakes with reward credit cards – How to avoid the pitfalls

To be on the safer side and protect your finances, make sure you avoid these mistakes with reward credit cards

#rewardcreditcards #creditcards #travelcreditcards #creditcarddebt

creditmagic.org People love credit cards that earns good points and miles. They always look for cards with big sign-up bonuses and attractive annual benefits. But most of the time, people feel that these rewards cards are unworthy, when at the end of the year they tally up their finances.

Petite Danse

Awesome training...

Woowww!

cnbc.com

Seeing red: Credit card balances hit an average $6,375

Credit card debt hits a record high. It's time to make a payoff plan

The average American has a credit card balance of $6,375, up nearly 3 percent from last year, according to Experian.
When it comes to the dangers of high-interest credit card debt, Americans are savvier than ever.

#creditcarddebt #creditcard #debt #highinterestcreditcard

cnbc.com Card debt hit a record high, while credit scores reached their highest point in a decade, as consumers loosen the purse strings.

creditmagic.org

Credit Magic Blog » Blog Archive » Beware: 8 Things that can kill your credit

Beware: 8 Things that can kill your credit

ost of us know that our credit score plays a significant role in our financial life. We also know how to build a good credit score.

But are you aware of those things that can kill your credit score?

Here are some ways you are hurting your valuable credit score.

#creditscore #creditrating #creditcards #creditcarddebt

creditmagic.org Most of us know that our credit score plays a significant role in our financial life. We also know how to build a good credit score.

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