The return of the 0 APR balance transfer

Those with great credit scores present a bit of a dilemma to credit card issuers. On the one hand, they're pose much less of a risk than your average Joe, and are statistically unlikely to default. On the other hand, however, they're usually very well organised, and because they often clear their balance every month, they don't generate much profit for the card providers.

That probably explains why 0% APR balance transfer offers have been drying up a little in recent years, but the trend looks set to reverse again, according to SmartMoney.com

However, the terms of balance transfers will probably start to change. More people will pay a reduced introductory rate, rather than 0% APR, or perhaps a higher annual fee to help increase profits. On the positive side, other incentives will become more prominent, such as longer introductory rates and grace periods.

You can read the full article at: http://www.smartmoney.com/personal-finance/debt/the-return-of-0-percent-apr-credit-cards/

Roundup of 4 travel reward credit cards

As most travellers find out pretty quickly, credit card issuers love rewarding jetsetters. People rely on credit cards so much more when they're abroad, and card companies try and encourage this behavior every step of the way!

With all the options available, it's nice to get a shortlist once in a while outlining a small number of credit cards that reward travellers. Even better, if the same list includes a card that doesn't require a pristine credit score.

Well, I found this article today, and hopefully it will be of use to you: http://www.quizzle.com/blog/2010/10/4-best-credit-cards-for-travel-rewards/