candleworks.org http://www.candleworks.org My WordPress Blog Fri, 31 May 2019 07:30:05 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 High Income Credit Card http://www.candleworks.org/high-income-credit-card/ http://www.candleworks.org/high-income-credit-card/#respond Fri, 31 May 2019 07:30:05 +0000 http://www.candleworks.org/high-income-credit-card/

 

High-income card , credit for affluent customers, do you already have yours? Brazil is a country in complete financial development. As a result, the number of families that fall into the upper middle class and high class has increased. With the increasing purchasing power of families, issuing institutions and companies are also attentive and looking for services to meet this new type of customer. In the same way, card operators are eyeing this new niche market, offering high-income credit cards aimed at customers with income above R $ 5 thousand.

With more money coming in, people are consuming more, buying more gifts, clothing, jewelry, cars and travel. Pretty much everything bought with the credit card. And with higher purchasing power expectations also increase with regard to the products and services purchased, making the consumer much more demanding and critical when choosing where to spend their money, causing many companies to raise the need for create a differential that attracts them.

 

High-income credit card

 

High-income credit card

Some of the benefits offered by high-income credit card operators are the built-in insurance, usually with capitalization that allows insurance to compete for cash prizes. Lower interest rates and miscellaneous assis- tance related, for example, to home or car care, are also on the list of benefits that high-income consumers are looking for when purchasing a credit card to make their purchases.

Another benefit granted by some administrators is in relation to the annuity. Some of them allow the card without annuity, others the person pays the annuity proportional to the months in which they made use of the card, reducing the maintenance costs of the plastic.

This tactic of the administrators exempt the customer from the payment of the first annuity is known, as well as offering discounts on the amounts from the second annuity, as is the case of Banrisul Mastercard Platinum that has the first free annuity for the holder and a dependent and from of the second costs only $ 280 and may decrease until reaching zero depending on the volume of purchases made on the card.

Airline mileage also attracts many people when it comes to choosing the high-yield credit card . Some cards offer a program where the mileage obtained from each purchase is greater for customers considered to be high income. A letter in the sleeve of the administrators is also in need that the high income customer has to feel prestigious and why not say “pampered.” This is granted to these clients through actions such as VIP entry into events and in theater and film sessions.

To have a high income card you must meet the prerequisites required by each card or flag manager, and this varies from one to another. Ideally, you should go to your bank and talk to your manager to see if you have the right to hire this product. The internet is also a great way to get more information, search for options and benefits that each of them offers, good luck!

 

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Credit Card – Problem or Solution? http://www.candleworks.org/credit-card-problem-or-solution/ http://www.candleworks.org/credit-card-problem-or-solution/#respond Wed, 29 May 2019 08:09:23 +0000 http://www.candleworks.org/credit-card-problem-or-solution/

 

Nowadays it is very difficult to find someone who does not have at least one credit card in the wallet , but just as you know a lot of people who do not know how to live without it, you have also heard someone say that credit card is synonymous with debts and defaults, have not you heard? What is your opinion about the credit card, is it a problem or solution in the finances?

Replaced paper money with plastic money

Replaced paper money with plastic money

 

The use of credit cards is a daily part of most people who have replaced paper money with plastic money. Whether it’s time to shop at the grocery store, at the mall or to pay the bill at the restaurant, just give it. The fact that you do not have to keep counting money or carrying that multitude of coins makes all the difference.

There is no doubt that when well-used credit card brings many benefits, you can split your purchases at the spot price and even participate in programs where you accumulate points when using the card and can exchange for various things like home appliances, cell phones and even trips. In addition, burglary security is greater because if your card is stolen or lost, you can block it.

But, if there are so many benefits to having a credit card, why do some people see them as villains when it comes to controlling finances? The answer lies in how the credit card is used because, in the same way that it brings comfort and security, it can also bring debts and a headache for those who use it: burst limits, charges and name in SPC and SERASA.

Some people forget that what you buy today with the card will have to be taken out next month. A great trap is the parcels, a small parcel here, another small parcel there, and when they join together they form a value that really scares when the invoice arrives.

Lack of financial planning results in loss of control of finances, and consequently in debt. Respecting credit limits and keeping invoices up-to-date is a good tip for anyone who wants to be left alone with the good side of having a credit card .

Another tip is to avoid paying only the minimum amount of the invoice, if you do this your debt will soon double in size and it becomes increasingly difficult to resolve the situation. Use the card with awareness, control your accounts, and get out of debt.

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Credit Card Without Limit! http://www.candleworks.org/credit-card-without-limit/ http://www.candleworks.org/credit-card-without-limit/#respond Sat, 18 May 2019 07:29:47 +0000 http://www.candleworks.org/credit-card-without-limit/

 

I want to have a card with no credit limit for purchases, where can I get it? What is not lacking are opportunities. Oh, the credit card. How many facilities came along with this plastic money that fell in the taste of the vast majority of people. Like it you can buy everything from virtually anywhere in the world without having to deal with coins, change, nothing. Just choose how many times you want to pay, type a password and you’re done. But, and have you ever imagined yourself with a card with no limit? Where can you spend as much as you want? Yes, this type of card exists and we’ll talk a little bit more about it.

Although it is a dream of many, an unlimited credit card is not for anyone. In the case of Citibank’s AAdvantage, only account holders invited by the bank are entitled to this regalia, but make no mistake, to have this benefit you must pay a higher annuity amount. In the case of this card the first annuity can reach 3 installments of $ 200 which is well above what is usually paid by a conventional credit card. Also know the high income credit card and credit cards without annuity and choose is to use!

Credit card is limitless

Credit card is limitless

 

In many cases, when it is announced that credit card is limitless, it is that the limit is actually flexible. This means that the limit changes according to the variation of your income or the frequency and volume of purchases made. In general, to get this type of credit card you need to go through an analysis of your current account that is made by the bank to see if your income matches the possibility of having such a card.

Besides the fact that they do not stipulate a limit, the administrators offer more benefits for those who have this type of card. The benefits can be VIP entrance in events, discounts in cinemas, theaters and shows, miles that can be exchanged for various products or for air tickets, travel insurance, reimbursement of medical expenses, among others depending on the flag and the card administrator. All to please the select audience who enjoys this type of card.

Of course, people who have an unlimited credit card most of the time do not have to worry about spending as they usually have a higher income, but everyone needs to take good care of their money regardless of how much they earn.

Anyway, having a credit card without limits requires a lot of discipline, because with it is easy to extrapolate in spending and get out of the budget. If this already happens to those who have a limited credit card, imagine without?

If you have been interested in a credit card without limits and want to know more about how to have one, you can search the internet for more information or go to the bank where you are an account holder.

Your bank manager is the best person to assess whether or not you are eligible for this type of card by analyzing your financial history and your monthly income.

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Educational Funding or Scholarship Credit Loan http://www.candleworks.org/educational-funding-or-scholarship-credit-loan/ http://www.candleworks.org/educational-funding-or-scholarship-credit-loan/#respond Sun, 28 Apr 2019 14:23:17 +0000 http://www.candleworks.org/educational-funding-or-scholarship-credit-loan/

 

 

Educational Funding or Scholarship? It is important to note that educational or student funding has nothing to do with “scholarship”. Funding for students is a line of credit to fund university education.

Usually the credit requested in this modality serves to finance those who can not afford the full tuition fees of courses in private educational institutions such as colleges and universities. The amount financed is refunded to the creditor after the end of the course when the student is already formed, the refund is plus interest and monetary correction.

Educational funding ???

 

Educational funding ???

 

 

The financing institutions and companies that grant “student financing for university students” are around 7 billion reais, although the volume of business is significant, has not yet reached the level of more developed countries, where student financing is part of the culture of with the United States and Australia.

Unfortunately for lack of knowledge many students miss the opportunity to finance their higher education courses with special conditions and advantages. If you are a college student and need money to fund your studies, it may be time to look for more information about federal funding and private student funding. 

 

Government Educational Financing Program

 

Government Educational Financing Program

 

Now, those who can not afford to pay for their studies can apply for a scholarship in their own institution, using the fact that many offer this benefit for free.

The “ProUni” Program is a federally subsidized program where the student can obtain a 50% and 100% scholarship grant from private institutions that are duly accredited in the MEC.

“ProUni” is educational funding that benefits students with a family income of up to 3 monthly minimum salaries who have completed high school in a public school or with a full scholarship in a private school. The “Enem” note – National High School Examination, is a criterion basis for distributing scholarships. Anyone who wants to apply for ProUni scholarships can always sign up at the beginning and end of the school year through the ProUni Portal.

 

What is a Study Scholarship?

 

What is a Study Scholarship?

“Scholarship is a cash benefit of variable value attributed to a student by a public or private entity for the cost of attending a course or the development of research work.”

” There are scholarships for educational funding of all types of education, from basic to scholarships for undergraduate, postgraduate, technical courses, languages, vocational, preparatory to competitions, pre-college / Enem and EJA-Youth Education and Adults, Scholarships for Master’s Scholarships for Universities, Scholarships for College, Scholarships for Free College and even it is possible to gain scholarship government studies. “

“The scholarship aims to contribute to the cost of housing, food, transport, school supplies and tuition fees (university fees), among others. The scholarship can be conferred based on criteria of an economic nature (the income of the student’s household) and or academic (student’s achievement), “a description according to Wikipedia.

 

Educational and Student Funding Alternatives

 

Educational and Student Funding Alternatives

 

Keeping studies at all costs has been a challenge for all Brazilian students attending universities and colleges in Brazil, even more with all the cuts and changes that are happening today. Here in Brazil, some programs are available that finance student credit by the government, two examples are Fies and Prouni, in addition to the private model, Quero Bolsa, which acts as an online platform.

To reach the dream of the diploma or just want to continue studying to perfect yourself, there are other possibilities that the students can explore. Government student credit, private, student crowdfunding are just examples of options. Choose what will be your best opportunity to complete your studies and form wisely.

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Credit Card is not Extra Money http://www.candleworks.org/credit-card-is-not-extra-money/ http://www.candleworks.org/credit-card-is-not-extra-money/#respond Wed, 10 Apr 2019 08:19:52 +0000 http://www.candleworks.org/credit-card-is-not-extra-money/

 

Extra cash with credit card ???

 

Extra cash with credit card ???

 

Using a card is the most sensational way to spend money without blame, whoever disagrees sends an email … Interesting that when well used is a hand in the wheel. In the world millions of consumers have access to this magic plastic that makes products, clothing, jewelry and even expensive ones become yours.

How does this personal line of credit work? When a consumer makes use of the credit card, it is nothing more than to take an advanced cash loan understanding that the debt should be paid on a predetermined date. It is worth saying that credit cards are a particularly attractive source of financial resources, both for individuals and for companies, mainly because they are accepted by most of the commerce in general as a form of receipt and payment.

Another advantage is in getting the card, all it takes is filling out a one page form on the internet, waiting for the credit analysis process, done !, Today it is possible to get credit cards with limits starting at $ 400 up to R $ 20 thousand reais, but there are those exclusive ones that do not have limits of expenses.

In order to use the card there are practically no restrictions of use, in this case the credit cards are extremely flexible, the limit of credit for expenses can be used to buy almost everything, it even gives to pay the tuition of the college or to finance that so dreamed trip to the outside. 

Those who have the dirty name also have the right to get their credit card, however, the limits are limited, in addition they have differentials regarding the conventional cards. Anyone who wants a good card needs to take into account some factors, income is essential, credit rating and credit history are extremely important at the time of approval.

But, not everything smells good when we talk about credit cards, interest rates are the biggest in the financial system, few cards have rates below 10%, in fact, the vast majority of administrators charge between 13% and 18% a month , except for some exceptions.

On the card, the consumer, unlike other credit lines, has a very good chance of accumulating debt: first because most people use it as a second income. Second because the ease of postponing spending on the rotary and easy too. Third because cards are widely accepted as currency and psychologically easier to spend than cash.

Now that you are reading this article, do not make the credit card your extra money because it is not even a second income. If you’re in trouble, or heading for it, it’s best to take control right now before it’s too late.

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