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Establishing a good credit history has never been as important as it is today.

It’s not just that you’ll need good credit to get decent rates when you’re ready to buy a home or a car. Your credit history can determine whether you get a good job, a decent apartment, a deal on your cell phone and reasonable rates on insurance. One seemingly minor misstep — a late payment, maxing out your credit cards — can haunt you for years.

If you’re just starting out, you have a once-in-a-lifetime opportunity to build a credit history the right way. Here’s what to do and what to avoid.

Check your credit report

You’ll first want to see what, if anything, lenders are saying about you. That kind of information is contained in your credit report at each of the three major bureaus: Equifax, Experian and Trans Union. You’re entitled to a free annual look at your reports from AnnualCreditReport.com.

Credit reports are used to create your credit scores, the three-digit numbers that lenders typically use to gauge your creditworthiness. Lenders also may look at the reports themselves, as may the landlords, employers, insurers and utility companies who use credit to evaluate applicants.

Can you have a credit report if you’ve never had credit? Maybe.

Somebody else’s information could be mixed in with your report, either through a credit bureau mistake or because of identity theft; i.e. someone using your personal information to open bogus accounts.  Read more...

Credit card debt relief is what every debt-struck credit card holder is looking for. Credit card debt relief is not just about reducing or eliminating credit card debt; credit card debt relief is also about getting de-stressed. Credit card debt relief is about working for oneself and not just for the credit card debt that you have on you. Yes, it’s unfortunate but true. In fact, you can hear statements like “I have got a better job, now I can pack up my credit card debt even faster”. So, in that sense, credit card debt relief is really about getting your life back on the normal track.

The most important credit card debt relief comes in the form of de-stressing you. Everyone knows about the harmful effects of stress; so, if credit card debt relief means postponing your purchases for later, you should do so. There are no goods out there that can give you as much joy as credit card debt relief can. Besides postponing the purchase of your favorite goods, there are few more things that you need to bring into practice in order to get credit card debt relief. Most of these credit card debt relief mechanisms advocate restraint spending e.g. preparing a (tight) monthly budget and sticking to it. Using cash instead of card for making the payments for your purchases is another advice.  Read more...

Bank of America™  and Major League Baseball™  hit a home run in the credit card industry.  Like many schools, airlines, and retail stores have done for decades, major league baseball teams, including the Chicago Cubs, are now being featured on consumer credit cards.  These team logo credit cards are rapidly growing in popularity and proving to be a hit with baseball fans across the country. 

The Major League Baseball™ Extra Bases™ Credit Card from Bank of America boasts no annual fee and a 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for the first 12 billing cycles.   As incentives to gain customer share in the extraordinarily competitive credit card market, the baseball credit card also offers an official MLB™ licensed jersey after the first qualifying transaction using the card.  In addition to the no annual fee and 0% introductory APR, the card offers a point based incentive system whereby card holders earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, coveted MLB™ life experiences, travel and cash rewards.

A review of the landscape makes clear that every major league baseball team can be represented on a credit card.  For example, websites like www.cubscreditcard.com , www.whitesoxcreditcard.com, and www.dodgerscreditcard.com, each offer the same Major League Baseball™ Extra Bases™ Credit online application. 

Historically, baseball has given the public something to believe in and something to hope for, particularly in tough economic times.  With this credit card, consumers can be reminded of their favorite team every time they open their wallets.

Your pet’s picture can now be uploaded and featured on the Pet Rewards™ Visa® Credit Card issued by Bank of America®.  (www.petcreditcardrewards.com ).   This rewards credit card is scoring big with pet lovers and credit card consumers across the country.  Like many department stores, universities and airlines have done for decades, pet owners can now customize their credit cards to display their beloved pets.  These pet oriented rewards credit cards are proving to be a home run in the credit card industry.

Features offered by the Pet Rewards™ Visa® Credit Card from Bank of America include:

•           500 bonus points after your first purchase.

•           1 point for every dollar you spend on everyday purchases

•           Earn points toward veterinary services, pet food discount certificates, and shelter donations

•           Earn two PetRewards Points for each dollar you spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores

•           Rewards begin at just 750 points

•           Mini Card available

*See website for complete terms and conditions of card usage and application disclosure.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – pet lovers are crazy about their pets.  Generally, pets give their owners the most loyal and unconditional love they could ever ask for.  With the Pet Rewards™ Visa® Credit Card, pet owners can be reminded of their favorite dog, cat or other pet every time they take out their wallets.  Real pet lovers carry this card with pride.  Visit www.petcreditcardrewards.com to complete the credit card application online in a few short minutes.

1. Service tax authorities, of late, have been issuing notices to various borrowers of External Commercial Borrowings (ECB’s) from foreign branches of Indian banks and holding them liable to pay <a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.taxmann.net/STOnlineWeb/NewHomePage/Home.aspx?pId=160″>Service tax</a> from September 10, 2004 under section 65(12)(a)(ix) of the Finance Act, 1994 which covers ECBs.

According to the borrower, the responsibility of paying service tax is of the service provider which is the foreign branch of the Indian bank and, hence, the Indian bank having a permanent establishment in India, is supposed to pay and not the borrower.

The contention of the service tax authorities is partially correct after coming into effect of section 66A of the Finance Act, 1994 from April 18, 2006.

Until the coming into effect of section 66A, the liability and obligation to pay service tax was that of Indian bank and not that of the borrower. Contrary to the contention of the service tax authorities, even under rule 2(1)(d)(iv) of the said Rules, effective from August 16, 2002 and June 16, 2005 respectively, the borrower cannot be made liable for the payment of service tax.

2. Rule 2(1)(d)(iv) reads as follows :—

‘Person liable for paying the service tax’ means,—

 Read more...