Sentences with phrase «available credit as»

To get the most out of it, use as little of the available credit as you can.

Educated customers on the variety of loan products and available credit as well as how to straighten out credit if credit was derogatory.

Banks consider your used vs. available credit as a ratio when determining your credit score.

Therefore, we concluded that if you have consumer debt of over 4 - 6 % (depending on its nature), you should try to consolidate your existing high interest debt onto a 0 % card and use available credit as your emergency fund whilst saving to pay down the borrowed amount before the end of the debt period.

Once you've gotten as much available credit as possible, now its time to clean up any negative remarks on your report.

Therefore, we concluded that if you have consumer debt of over 4 - 6 % (depending on its nature), you should consolidate your existing high interest debt onto a 0 % card and use available credit as your emergency fund whilst saving to pay down the borrowed amount before the end of the debt period.

To get the most out of it, use as little of the available credit as you can.

Most credit scores use your available credit as a measure of how trustworthy you are.

No matter what your career plan is, it's vitally important to pay credit card and loan balances on time and use as little available credit as possible, among other good habits.

Say your spouse has a credit card with little or no balance and a great payment history; if he or she agrees to add you as an authorized user, from a credit score point of view you automatically benefit from her card's available credit as well as her payment history.

Not exact matches

The magnitude of the decline in home prices acted as a «shock» to household balance sheets, said Marple, tightening the credit available to homeowners and creating a sense of general uncertainty about the future.

Use these resources, which are often free, to gain insight on topics such as when to expand, when to seek credit and the types of loans available to small businesses.

At benefits company Stride Health, which sells and manages healthcare benefits to «gig» workers like Uber drivers, CEO Noah Lang said that he would want to be sure that the replacement plan has tax credits available to people as they need them, rather than at the end of the year only.

Typically, these businesses describe their loans as faster and more readily available to customers than bank loans, because they leverage technology to evaluate risk on a number of factors, as opposed to relying solely on credit scores.

Today very few «cash registers» are set up to accept a phone instead of a credit card, and similarly only one widely available phone in the U.S., Google's Nexus S, is tricked out with the necessary chip for so - called Near Field Communications that the industry hopes to adopt as the standard for transferring data from phones to in - store terminals.

The report examined 12 of the available programs, which help businesses through mechanisms such as tax credits, grants, loans or equity investments.

During periods of adverse changes in general economic, industry or competitive conditions, such as we experienced in calendar years 2008 and 2009, some of our vendors may experience serious cash flow issues, reductions in available credit from banks, factors or other financial institutions, or increases in the cost of capital.

Businesses are allocated a specified maximum amount of capital available to them through a lender based off certain factors such as current cash flow and business credit rating.

When it comes to mobile payments, there are three types of mobile payments or mobile wallets available now: smartphone or wearables - based payments, branded mobile wallets from banks or credit card providers, and branded mobile wallets from retailers such as Starbucks.

Historic Preservation Tax Credit — available to residents who «promote community revitalization and restoration, and the rehabilitation of historic properties,» as certified by the Delaware State Historic Preservation Office

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

The consumer will incur a surrender charge, be subject to the commencement of a new surrender period, lose existing benefits (such as a higher crediting guarantee than is currently available, as well as death, living or other contractual benefits), or be subject to increased fees, investment advisory fees or charges for riders and similar product enhancements;

Because your credit utilization and available credit matters to your credit score, you want to show that you aren't using up as much of credit as you could be.

Nevertheless, as traditional lenders have shied away from the smallest small businesses; and loans to those businesses has been in overall decline since the year 2000 [3], online lenders are using technology to look at other information available from the public record as well as transaction history, cash flow, and other metrics in addition to credit profiles, that demonstrate a healthy business.

Term loans are available at traditional lenders like banks and credit unions, finance companies, as well as online small business lenders.

The child credit would be available for more wealthy households: It would start to phase out at $ 230,000 in earnings for married couples, as opposed to $ 110,000 under current law.

As he learned more about the inner ‐ workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing.As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor.

The great folks as SCORE are also available to help you better understand and use business credit.

Like Equifax and D&B, they also collect information available within the public record, information reported by both lenders and suppliers, as well as information from credit card companies, collection agencies, and other databases.

The child credit would be available for many more wealthy households: It would start to phase out at $ 400,000 in earnings for married couples, as opposed to $ 110,000 under current law.

It's the amount of money you owe on revolving debt (such as a credit card) compared to the credit limit available to you.

If you want to test my theory, have your spouse, or parent add you as an A.U. on a couple of their cards without even giving you the physical card (to avoid risk if they worry about abuse) watch your scores go through the statosphere if the balances are low because it increases your presumed available amount of credit and expands your ratio of credit vs balances

This credit is available for primary residences, as well as secondary residences.

The most recent year with data available by adoption type (2004) indicates that nearly half of adoptions for which the credit was claimed were for domestic children without special needs, with only 18 percent classified as special needs and the remainder reflecting international adoptions.

The IRS is currently revising Form W - 4 to reflect changes made by the Tax Cuts and Jobs Act (the «Act») affecting individual taxpayers — such as changes in available itemized deductions, increases in the child tax credit, the new dependent credit, and the repeal of dependent exemptions.

Sections of the report are presented as interactive graphs on the New York Fed's Credit Conditions web page, and the full report is available for download.

Outside of that, it also examines how a company has handled credit in the past, looking at things such as average credit utilization (how much of your available credit you use), as well as the frequency of any derogatory marks towards your account (payment delinquency, collections, liens, etc.).

These include forward guidance on the future path of its policy rate, stimulating the economy through large - scale asset purchases (commonly referred to as quantitative easing), funding to ensure that credit is available to key economic sectors, and moving its policy rate below zero to encourage spending.

In addition to any other requirements or restrictions set forth in this Agreement, you shall not: (i) utilize the credit available on any Card to provide cash advances to Cardholders, (ii) submit any card transaction for processing that does not arise from your sale of goods or service to a buyer customer, (iii) act as a payment intermediary or aggregator or otherwise resell our services on behalf of any third party, (iv) send what you believe to be potentially fraudulent authorizations or fraudulent card transaction, or (v) use your Merchant Account or the Service in a manner that Visa, MasterCard, American Express, Discover or any other Payment Network reasonably believes to be an abuse of the Payment Network or a violation of Payment Network rules.

In order to qualify for the best rates available, borrowers must have excellent credit and will likely have to pay points as well.

Although many lenders will offer similar rates based upon your credit score, credit history, and income, sometimes the best available rates will come from a financial institution that is familiar with you (such as your local bank or credit union) or from nontraditional sources, such as peer - to - peer lending platforms.

Whatever your credit limit is, any time you use up all your available credit to the point that you can't make further purchases, this situation can be described as having your credit card maxed out.

How each company calculates it remains a trade secret, but most consider your payment history, available lines of credit, the types of credit you have, credit inquiries you've made and the years you've had ongoing credit as part of the total number.

Just as creditors want to see that you can make on - time payments, and that you can keep from utilizing too much of your available credit, they also want to observe your ability to handle different types of credit accounts.

As of March 22, 2013, the company had $ 194 million in available capacity under its revolving credit facility after taking into account outstanding letters of credit and had $ 89 million of vacation ownership notes receivable eligible for securitization.

Currently, Tangerine cashback credit cards are highly favoured by consumers over other Canadian credit cards available on the market such as American Express Simply Cash Card and Rogers Platinum MasterCard.

«Liquidity» is defined by economists as money available in all forms to be given out as debt, ranging from credit card debt to mortgage debt to large quantities of institutional debt typically used in complex financial transactions such as highly leveraged corporate acquisitions.

Auto loans for people with poor credit are available online as an alternative to the frustration of dealing with banks and dealerships.

If you want to pay as little as possible in taxes, it's important to learn about all the different credits and deductions available.

If you don't have a great credit score, there are a few secured business credit cards available, but they don't offer the same level of perks as the regular cards and their credit limits are typically lower too.