Tuesday, April 15, 2008 

U.S. physicist guilty of arms-export violation (Reuters)

Reuters - A U.S. physicist pleaded guilty to conspiracy to violate export control laws by giving a Chinese research assistant technology for a weapons-type unmanned plane, the Justice Department said on Tuesday.

If youre like everyone else, youve received a letter in the mail saying youre pre-approved for a credit card from the specified company. If you choose to open the sent envelope, the numbers of how much money youll be granted are large, but the rules and what youre actually getting are small enough to miss. What does this mean to you?

An unsecured card is essentially for someone with good credit, who the credit card company trusts enough to pay off their debt on a monthly basis. Unsecured credit cards are held by a majority of people, and tend to be the most desired option. It allows for the user to make purchases and pay it back in monthly increments set by the credit card company.

Secured credit cards, on the other hand, are for those with unsteady, erratic and unsatisfactory credit, who have a history of late or not forthcoming payments. With a secured card, the credit card company requires the amount desired to be deposited before the card is issued. Upon receiving the deposit, your credit line is established for that amount. The deposit acts as a safety net, and if payments are not made, the company will take payment from your original deposit.

Unsecured cards do not require a deposit, and the consumer is allowed more freedom with spending and repayment. If the payments are on time, the limit allowed will be increased if desired. If, however, payments are not paid on time, credit card companies will continue to add additional late charges, as well as a certain amount of interest that also must be repaid. The interest varies, but can be as low as single digits and as high as 20% on your outstanding debt.

Pre-approved is another term used to lure in new credit card customers. Credit cards must always be applied for, and involved with this is a listing of the applicants occupation, income, other debt and similar factors. Once the application is submitted, the credit card supplier will examine the numbers and decide if you will be able and likely to repay your credit card purchases.

Pre-approved means the credit card company has obtained your credit score from a credit bureau such as Equifax and Transunion and already is aware of your good credit. You do still have to go through an application process, and the credit line advertised is not necessarily what you will get, but there is a better chance of being approved in this method than simply applying blindly for a credit card, in general.

The author is owner & operator of several successful bad credit credit card websites. For more info & resources visit: unsecured credit cards today.

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Foreclosures jump 57 percent in last 12 months (Reuters)

An auction sign in front of a home in California, February 2, 2008. Home foreclosure filings surged 57 percent in the 12 month-period ended in March and bank repossessions soared 129 percent from a year ago, as homeowners struggled to make mortgage payments, real estate data firm RealtyTrac said on Tuesday. (Kimberly White/Reuters)Reuters - Home foreclosure filings surged 57 percent in the 12 month-period ended in March and bank repossessions soared 129 percent from a year ago, as homeowners struggled to make mortgage payments, real estate data firm RealtyTrac said on Tuesday.

In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago. The competition that has flowed in from other countries, especially the United States, as well as from internet lenders and other institutions has meant that there are now more offers and more products than ever before.

Some of these offers would have been unimaginable in the past. You dont have to go back very far to think of a time when no one had heard of zero per cent balance transfers. Not to mention zero per cent on purchases which is now available. Then there is the whole range of rewards schemes and loyalty schemes that lenders are offering in an ever heating bid to claim a larger market share.

Despite these massive changes in recent years however, it is certainly the case that credit cards can still cost a lot of money. In fact we spend more money on credit cards now than ever before. The UK credit card industry makes billions of pounds every year in profits and it shouldnt come as a surprise to anyone to learn that all these offers arent being made to the public out of the good kind hearts of credit card providers.

The main charge that we still incur when using our credit cards is interest on out card balance. If you incur a balance on your card, and dont pay it off by the end of the billing cycle, then you will be charged interest on the balance. This interest is among the highest of any credit available in the UK. While loans are coming in at six to eight per cent, credit cards rates typically average anywhere up to twenty five or even thirty per cent. The rates are far higher than other sources of credit.

However, interest on your account balance is not the only place you pay for your credit card. There are a host of penalty charges for people who fail to make their repayments or who do so late. These penalty charges can become very expensive if you get into the habit of paying your bill late and they will soon add up. There are also some credit cards that charge an annual subscription fee. While these cards purport to do so to give them an air of exclusivity, these days when cards are so common, it seems to make little sense to pay for one when you dont have to, and there seems to be little benefit for doing so.

Joe Kenny writes for the Credit Card Guide, offering the latest 0% credit cards, visit today for introductory balance transfers and start clearing credit card debt today.
Visit today: http://www.cardguide.co.uk/

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