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Some OF The Loans We Offer PERSONAL LOANS Unsecured Personal Loan – Supreme Advances can help make your dreams a reality with an unsecured personal loan. Whether your plans include a vacation, a major purchase, school or consolidating your bills into one, simple monthly payment – we can…
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Low-rate credit cards might be better for young people

But people should be wary of credit card reward programmes.

Young people might like to search for low-rate deals on credit cards, one industry expert has suggested.

William Buck senior adviser Janine Williamson stated people need to be aware about reward programs involving these products, News Limited Newspapers reports.

He added: “If you are not using the credit card enough, the cost of the program and higher interest rate are unlikely to be offset by any rewards.”

What’s more, she also advised those who borrow money in order to invest it to ensure they keep loans for different purposes separate because otherwise things can get confusing.

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Ms Williamson said: “Combining a personal loan and a share portfolio loan can become a mess for you and your accountant at tax time.”

In addition, those with arrears might like to start budgeting if they do not already because this can help make managing debts a lot easier, according to Club Financial Services general manager Andrew Clouston.

And doing so might also help improve a person’s credit rating, which could be useful for when they come to take out a home loan for a mortgage.

But those who are in financial difficulty due to taking out more than one loan or credit card might like to consolidate their debt into one form of borrowing, or a mortgage, Mr Clouston advised.

He pointed out the other credit services must be cancelled in order for this way to work.

Furthermore, people in their twenties might like to get themselves financially prepared for the future by setting goals for the next five years or less.

Mr Clouston noted this could take a wedding, car or honeymoon into account.

This comes after Mitchell Watson, a financial analyst at research group Canstar Cannex, recommended clearing credit card debt regularly in order for people to avoid putting themselves into debt, Northern Territory News reports.

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www.cma1.ca Low Interest at 4.75% guaranteed for 36 months… for Canadians There are thousands of people who visit the Canadian Money Advisor website who are looking to save money on their credit cards. The best way to do this, in my opinion… is to search and find credit cards that have the lowest interest rates in Canada. The CapitalOne Low Rate Platinum MasterCard® has an interest rate of Prime + 1.75% At today’s rate THAT’S ONLY: 4.75%. That’s right: 4.75%. And, the best part is you’ll be Guaranteed that low interest rate for 36 months! That’s almost unheard of with Canadian credit cards Here’s some of the benefits that you’ll receive: No Annual Fee Balance Transfers at 4.75% Purchases at 4.75% Think of how much money you’ll save with these low low rates! And you may be asking yourself… What’s the Catch? There’s no catch really… But in order to be eligible for the Prime + 1.75% Platinum Mastercard, you need to have really good credit. I don’t know the exact details on what CapitalOne requires as good credit… but I do know that if you don’t have perfect credit, there are still Low interest credit cards with the Prime Plus formula that may be right for you. To find out more… visit www.cma1.ca The CapitalOne Low Rate Platinum Mastercard is definitely a great way to save money with your credit cards.