Articles By ricky martyn

A credit rating is a judgment of credit worthiness of an individual or customer. The method used by these three agencies is called Fico score named after; Fair Isaac Credit Organization. A fico credit rating score ranging from 300 to 900, the 300 credit rating score considered to be at a high risk at 900 credit rating score logically it considered no risk.

It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can in fact play a significant role in helping a person reduce or get out of debt.What Is A 0% APR Credit Card?APR is the annual interest rate known in industry jargon as the Annual Percentage Rate. It is a glimpse of the cost of credit. In the old days everybody paid a standard APR based...