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<title>Kerry Hedden - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Kerry_Hedden</link>
<pubDate>Wed, 15 Feb 2012 00:43:20 -0600</pubDate>
<image><title>Kerry Hedden - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
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<item>
<title>Keep an Eye on Your Credit Cards</title>
<link>http://EzineArticles.com/1608905</link>
<guid>http://EzineArticles.com/1608905</guid>
<pubDate>Thu, 23 Oct 2008 14:06:50 -0500</pubDate>
<description><![CDATA[Credit Card companies are changing their policies and these changes can adversely affect your credit score. Read about two of the most common ways there are doing this in this article.]]></description>
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<item>
<title>Orchard Bank Classic MasterCard</title>
<link>http://EzineArticles.com/977671</link>
<guid>http://EzineArticles.com/977671</guid>
<pubDate>Mon, 11 Feb 2008 15:14:09 -0600</pubDate>
<description><![CDATA[With the credit market tightening it is getting harder to qualify for a credit card, especially if you have bad credit. However, there are companies that specialize in helping those with no so good credit get reestablished. One such company is Orchard Bank they have several credit cards available including the Orchard Bank Classic MasterCard.]]></description>
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<item>
<title>The Best Credit Cards - 4 Great Tips for Find Them</title>
<link>http://EzineArticles.com/942726</link>
<guid>http://EzineArticles.com/942726</guid>
<pubDate>Wed, 23 Jan 2008 16:00:24 -0600</pubDate>
<description><![CDATA[With banks in a current credit crisis finding the best credit cards has become a lot easier for the consumer. Credit card companies are putting their best offers out there hoping to attract new customers. So if you are looking for the best credit card here are four great tips to finding one.]]></description>
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<title>Stolen Credit Card - You Need to Act Quickly</title>
<link>http://EzineArticles.com/912399</link>
<guid>http://EzineArticles.com/912399</guid>
<pubDate>Mon, 07 Jan 2008 14:16:49 -0600</pubDate>
<description><![CDATA[At one time or another you may have your credit card either lost or stolen. What you do immediately afterwards will determine how much you are going to owe and how much damage is done to your credit rating.]]></description>
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<item>
<title>Should You Co-Sign for a Credit Card?</title>
<link>http://EzineArticles.com/912392</link>
<guid>http://EzineArticles.com/912392</guid>
<pubDate>Mon, 07 Jan 2008 14:16:20 -0600</pubDate>
<description><![CDATA[So, someone you know needs a credit card and you are considering co-signing for them. Make sure you really understand what co-signing for a credit card actually means to you and your credit rating.]]></description>
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<item>
<title>Credit Card Foreign Transaction Fees</title>
<link>http://EzineArticles.com/859333</link>
<guid>http://EzineArticles.com/859333</guid>
<pubDate>Sun, 02 Dec 2007 13:24:06 -0600</pubDate>
<description><![CDATA[Foreign transaction fees are currently a fact of life when traveling abroad and using credit cards.  When traveling abroad, you should be careful with your money, both with what you buy and how you pay for it.]]></description>
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<item>
<title>Credit Cards Can Fix Your Horrible Credit</title>
<link>http://EzineArticles.com/859235</link>
<guid>http://EzineArticles.com/859235</guid>
<pubDate>Fri, 30 Nov 2007 16:25:40 -0600</pubDate>
<description><![CDATA[If you have completely destroyed your credit history you can use credit cards to restore your horrible credit. There are several ways you can do it yourself without having to pay for outside advice, using secured credit cards is an excellent way to do it.]]></description>
</item>
<item>
<title>Christians Are Very Tolerant</title>
<link>http://EzineArticles.com/838793</link>
<guid>http://EzineArticles.com/838793</guid>
<pubDate>Tue, 20 Nov 2007 09:31:09 -0600</pubDate>
<description><![CDATA[Christians are some of the most tolerant people on Earth even if the same courtesy is not always given to us. However, in an attempt to let people see how tolerant we are, we have allowed many people to run over our rights.]]></description>
</item>
<item>
<title>Free Speech - Is it for Christians?</title>
<link>http://EzineArticles.com/838788</link>
<guid>http://EzineArticles.com/838788</guid>
<pubDate>Tue, 20 Nov 2007 09:26:08 -0600</pubDate>
<description><![CDATA[It seems that free speech is afforded everyone in our country, except for Christians. Christians are beginning to lose the right to speak out for what they believe in, as social progressives label everything we say as hate speech. It is time to stand up for what we believe in and make sure that our rights to free speech are protected.]]></description>
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<item>
<title>Credit Cards for No Credit History</title>
<link>http://EzineArticles.com/829776</link>
<guid>http://EzineArticles.com/829776</guid>
<pubDate>Tue, 13 Nov 2007 15:58:18 -0600</pubDate>
<description><![CDATA[Establishing credit is a very hard thing to do. When you are applying for a credit card with no credit history there are a few things that you should keep in mind. These things will help you to start establishing your credit correctly.]]></description>
</item>
<item>
<title>Business Credit Cards for Small Companies</title>
<link>http://EzineArticles.com/829760</link>
<guid>http://EzineArticles.com/829760</guid>
<pubDate>Tue, 13 Nov 2007 15:03:18 -0600</pubDate>
<description><![CDATA[No matter how large or small your company is you need to have a credit card. Business credit cards help your cash flow and help you establish credit in your company's name, this is very important especially when it comes time to apply for loans.]]></description>
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<item>
<title>Annual Credit Card Fees - What Should You Know About Them?</title>
<link>http://EzineArticles.com/808883</link>
<guid>http://EzineArticles.com/808883</guid>
<pubDate>Wed, 31 Oct 2007 13:38:23 -0500</pubDate>
<description><![CDATA[Many creditors charge an annual fee for having the privilege of using their card. As a savvy consumer you should learn how to minimize these fees and make your credit cards work for you.]]></description>
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<item>
<title>Five Steps to Go From a Bad Credit Card Rating to an Excellent Credit Card Rating</title>
<link>http://EzineArticles.com/804182</link>
<guid>http://EzineArticles.com/804182</guid>
<pubDate>Mon, 29 Oct 2007 14:27:02 -0500</pubDate>
<description><![CDATA[There are tips one should always keep in the back of their mind when trying to go from a bad credit card rating to an excellent credit card rating.  Taking the following steps will help in this process and make improving one's credit rating that much easier.]]></description>
</item>
<item>
<title>Bad Credit Credit Cards</title>
<link>http://EzineArticles.com/804195</link>
<guid>http://EzineArticles.com/804195</guid>
<pubDate>Mon, 29 Oct 2007 14:22:10 -0500</pubDate>
<description><![CDATA[Even when you have bad credit there a plenty of options available for you to be able to apply for and receive your own credit card. We have highlighted some great ideas for you to be able to accomplish just that.]]></description>
</item>
<item>
<title>The End Times - What Does Biblical Prophecy Tell Us to Expect?</title>
<link>http://EzineArticles.com/756566</link>
<guid>http://EzineArticles.com/756566</guid>
<pubDate>Mon, 01 Oct 2007 15:53:09 -0500</pubDate>
<description><![CDATA[There will be many signs that the Lord is getting ready to come back for his church. That is one of the reasons that the bible is filled with so much end time prophecy so that people will see it coming to pass and know that Jesus keeps his promises, and he is coming back-soon.]]></description>
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<item>
<title>Credit Card Reward Programs - How to Maximize Your Reward Program</title>
<link>http://EzineArticles.com/758481</link>
<guid>http://EzineArticles.com/758481</guid>
<pubDate>Mon, 01 Oct 2007 15:52:07 -0500</pubDate>
<description><![CDATA[Many consumers do not take advantage of all the reward programs that their credit card companies offer them. Here are a few tips that will allow you to maximize your credit card rewards program.]]></description>
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<item>
<title>Credit Card Insurance - Is it Worth the Money?</title>
<link>http://EzineArticles.com/758472</link>
<guid>http://EzineArticles.com/758472</guid>
<pubDate>Mon, 01 Oct 2007 15:30:08 -0500</pubDate>
<description><![CDATA[Many Credit Card companies offer several types of insurance, from life insurance to disability insurance. The offers sound like a good idea but are they really necessary?]]></description>
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<item>
<title>Biblical Prophecy and Natural Disasters - A Frightening Association</title>
<link>http://EzineArticles.com/756548</link>
<guid>http://EzineArticles.com/756548</guid>
<pubDate>Mon, 01 Oct 2007 14:58:48 -0500</pubDate>
<description><![CDATA[The bible continuously warns us about the changes in the weather that will be associated with the End Times. If you have watched any news reports you can certainly see that the weather and weather patterns are changing!]]></description>
</item>
<item>
<title>Biblical Prophecy - How Literally Should It Be Interpreted?</title>
<link>http://EzineArticles.com/756523</link>
<guid>http://EzineArticles.com/756523</guid>
<pubDate>Mon, 01 Oct 2007 14:52:36 -0500</pubDate>
<description><![CDATA[If you have read the Book of Revelations then turned on the evening news you just might be convinced that we are in fact living in the end times. Just how literal should you take the Book of Revelations? ]]></description>
</item>
<item>
<title>Student Credit Cards - Avoiding the Commonly Made Mistakes</title>
<link>http://EzineArticles.com/758502</link>
<guid>http://EzineArticles.com/758502</guid>
<pubDate>Mon, 01 Oct 2007 14:50:50 -0500</pubDate>
<description><![CDATA[Student credit cards are a great way to begin building your credit history. Just make sure that you do it correctly or bad credit can follow you long after you have graduated. ]]></description>
</item>
<item>
<title>Biblical Prophecy and The End Times - What Can You Do To Prepare?</title>
<link>http://EzineArticles.com/756536</link>
<guid>http://EzineArticles.com/756536</guid>
<pubDate>Mon, 01 Oct 2007 14:17:48 -0500</pubDate>
<description><![CDATA[If you believe like most Christians that we are in what the bible refers to "the time of the end" then you need to get ready. God gave us many bible prophecies to keep an eye out for and gave us instructions on what we should do to get ready for Christ's return.]]></description>
</item>
<item>
<title>Living in the End Times - A Brief Overview of Biblical Prophecy Come True</title>
<link>http://EzineArticles.com/756555</link>
<guid>http://EzineArticles.com/756555</guid>
<pubDate>Mon, 01 Oct 2007 14:00:54 -0500</pubDate>
<description><![CDATA[If you ever had any doubt about whether we are in what the bible refers to as the End Times, open your bible and read Matthew 24. Jesus lays out exactly what you will see shortly before he returns for his church.]]></description>
</item>
<item>
<title>Credit Cards for Fair Credit - Learning to Raise Your Credit Rating</title>
<link>http://EzineArticles.com/754988</link>
<guid>http://EzineArticles.com/754988</guid>
<pubDate>Fri, 28 Sep 2007 12:58:41 -0500</pubDate>
<description><![CDATA[Having credit that is not really good or bad puts you in a unique position. If you use your credit cards wisely you will be able to raise your credit score very quickly, and if you make bad decisions you will quickly receive a bad credit rating that can affect you for years to come.]]></description>
</item>
<item>
<title>Compare Credit Cards Before You Apply for One</title>
<link>http://EzineArticles.com/755000</link>
<guid>http://EzineArticles.com/755000</guid>
<pubDate>Fri, 28 Sep 2007 12:29:45 -0500</pubDate>
<description><![CDATA[When looking for a new credit card is important that you not rush into any decisions. You need look at the cards you qualify for and apply for the best one that fits your needs. This way you make sure that you have the card that works for your particular financial situation.]]></description>
</item>
<item>
<title>Low Interest Rate Credit Cards - Four Things You Should Know</title>
<link>http://EzineArticles.com/755006</link>
<guid>http://EzineArticles.com/755006</guid>
<pubDate>Fri, 28 Sep 2007 12:27:48 -0500</pubDate>
<description><![CDATA[Not every person applying for a low interest rate credit card is going to be eligible to receive them. Credit card companies use low interest rates to keep the customers they already have, or customers with very good credit ratings happy.]]></description>
</item>
<item>
<title>Student Credit Card Debt is Staggering</title>
<link>http://EzineArticles.com/755015</link>
<guid>http://EzineArticles.com/755015</guid>
<pubDate>Fri, 28 Sep 2007 12:14:50 -0500</pubDate>
<description><![CDATA[There are many positives for college students to have a credit card. Unfortunately the majority of students don't understand how quickly you can get in trouble with them. Learning for other's mistakes is a great place to start.]]></description>
</item>
<item>
<title>Cash Back Credit Cards Can Work For You</title>
<link>http://EzineArticles.com/754991</link>
<guid>http://EzineArticles.com/754991</guid>
<pubDate>Fri, 28 Sep 2007 12:05:43 -0500</pubDate>
<description><![CDATA[Having a perk like cash back rewards is a great way to help enhance your life style. Earn cash back is easy and is literally free money, but did you know that there are several ways to earn even more?]]></description>
</item>
<item>
<title>Prepaid Credit Cards - Four Great Reasons to Use Them</title>
<link>http://EzineArticles.com/755010</link>
<guid>http://EzineArticles.com/755010</guid>
<pubDate>Fri, 28 Sep 2007 12:03:49 -0500</pubDate>
<description><![CDATA[It today's world a credit card is an absolutely necessities, especially in an emergency. They can come be very useful when rebuilding your credit or establishing it for the first time. Anyone is eligible you just need to apply.]]></description>
</item>
<item>
<title>Types of Interest Rates and Fees Associated With Credit Cards Dependent Upon Credit Rating</title>
<link>http://EzineArticles.com/754975</link>
<guid>http://EzineArticles.com/754975</guid>
<pubDate>Fri, 28 Sep 2007 11:29:22 -0500</pubDate>
<description><![CDATA[Credit cards come with varying interest rates and fees attached to them.  Some are associated with the credit rating of the individual whereas others are not.  The following will help to detail how credit ratings affect the interest rates and fees which go along with offered credit cards.]]></description>
</item>
<item>
<title>Credit Card Reward Programs - Making Them Work for You</title>
<link>http://EzineArticles.com/754982</link>
<guid>http://EzineArticles.com/754982</guid>
<pubDate>Fri, 28 Sep 2007 11:17:27 -0500</pubDate>
<description><![CDATA[It is unfortunate but many credit card users do not know how to maximize their reward programs. With a few simple to implement suggestions they can be on their way to getting the most out of the reward programs they have chosen.]]></description>
</item>
<item>
<title>The Ins and Outs of Student Credit Cards</title>
<link>http://EzineArticles.com/754965</link>
<guid>http://EzineArticles.com/754965</guid>
<pubDate>Fri, 28 Sep 2007 11:17:20 -0500</pubDate>
<description><![CDATA[Warning college students about errors usually made when apply for credit cards the first time will help save them from damaging their chances of being accepted by credit card companies. Here are a few do's and don'ts when it comes to student credit cards.]]></description>
</item>
<item>
<title>How Credit Card Companies Define the Different Credit Rating Levels of Applicants</title>
<link>http://EzineArticles.com/745825</link>
<guid>http://EzineArticles.com/745825</guid>
<pubDate>Tue, 25 Sep 2007 16:15:09 -0500</pubDate>
<description><![CDATA[Some may not know that credit card companies have specific credit rating categories which they consult in order to determine whether one has a bad, fair, good or excellent credit rating.  The following will detail some of the factors which determine what category you will fall into as a credit card applicant.]]></description>
</item>
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<title>Credit Card Comparisons - Fixed Rate VS Variable Rate</title>
<link>http://EzineArticles.com/745821</link>
<guid>http://EzineArticles.com/745821</guid>
<pubDate>Tue, 25 Sep 2007 16:08:02 -0500</pubDate>
<description><![CDATA[When you are comparing credit cards you should make sure that you understand the terminologies that credit card companies use. For example, knowing the difference between fixed rate and adjustable rate credit cards can save you hundreds of dollars each year. ]]></description>
</item>
<item>
<title>Visa Credit Card - Everywhere You Want To Be</title>
<link>http://EzineArticles.com/745790</link>
<guid>http://EzineArticles.com/745790</guid>
<pubDate>Tue, 25 Sep 2007 15:44:30 -0500</pubDate>
<description><![CDATA[Adding a Visa credit card to your wallet is a great move. Visa is considered a major credit card which means they are widely accepted. They also offer their loyal customers with many perks they can take advantage of.]]></description>
</item>
<item>
<title>Online Credit Card Applications - An Overview</title>
<link>http://EzineArticles.com/745792</link>
<guid>http://EzineArticles.com/745792</guid>
<pubDate>Tue, 25 Sep 2007 15:43:33 -0500</pubDate>
<description><![CDATA[Being prepared before you begin apply for credit cards online makes the entire process go a lot smoother. We have some information that you should have on hand when you begin.]]></description>
</item>
<item>
<title>Credit Card Fees - What Should You Expect?</title>
<link>http://EzineArticles.com/745775</link>
<guid>http://EzineArticles.com/745775</guid>
<pubDate>Tue, 25 Sep 2007 15:30:21 -0500</pubDate>
<description><![CDATA[When apply for a credit card you should understand that credit card companies add many fees for the privilege. Making sure that you know what to expect with the acceptance of each credit card will help you decide which card/s is right for you.]]></description>
</item>
<item>
<title>Credit Cards for Bad Credit - Re Establishing Yourself</title>
<link>http://EzineArticles.com/745782</link>
<guid>http://EzineArticles.com/745782</guid>
<pubDate>Tue, 25 Sep 2007 15:29:28 -0500</pubDate>
<description><![CDATA[Millions of consumers have earned a bad credit rating do to unforeseen circumstances and many credit card companies are beginning to see that most consumers, given a second chance, use their credit much more wisely the second time around.]]></description>
</item>
<item>
<title>Credit Cards for No Credit History -- Making the Most Out of a Blank Slate</title>
<link>http://EzineArticles.com/745777</link>
<guid>http://EzineArticles.com/745777</guid>
<pubDate>Tue, 25 Sep 2007 15:27:25 -0500</pubDate>
<description><![CDATA[We have only once chance at establishing our credit ratings the first time. Applying for a credit card with no previous credit history maybe a bit difficult and slow going at first but doing it right is very important and it will pay off in the long run.]]></description>
</item>
<item>
<title>Credit Cards for Consumers With Excellent Credit - Reaping the Rewards</title>
<link>http://EzineArticles.com/745074</link>
<guid>http://EzineArticles.com/745074</guid>
<pubDate>Tue, 25 Sep 2007 14:15:47 -0500</pubDate>
<description><![CDATA[Paying your bills every month on time and using your credit cards wisely has its rewards. Credit card companies love consumers with excellent credit ratings and often times give those consumers the best available offers. ]]></description>
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