Sentences with phrase «credit ratings when»

Banks are governed by strict rules that unfortunately cause them to leave out people with poor credit ratings when checking loan applications.

Pfizer and General Electric, for instance, both carried top - notch credit ratings when they cut their payouts during the financial crisis.

Banks, if no one else, seem to appreciate that young, active lifestylers have grim credit ratings when compared to old, sedentary lifestylers.

Michael Berkowitz, managing director, Treasury and Trade Solutions, Citi: Twenty years ago, companies primarily looked at the major credit ratings when evaluating fixed - income counterparties.

We are a first come first serve dealership, we will help you reestablish your credit rating when you finance a vehicle with us.

If you have a bad credit rating when you apply for any type of loan or credit card then you'll be paying more interest than the norm.

The way you've handled your finances in the past can help predict how you may do so in the future, so lenders will consider your credit rating when you apply for a mortgage or other loan.

Investors began to worry this could erode the United States» cherished triple - A sovereign credit rating when Standard and Poors's on May 21 revised its outlook for Britain's triple - A status to negative from stable, blaming higher government debt.

As for impact on your US credit, technically your US credit rating is different from your Canadian one, but there is nothing preventing Creditors in the US from looking at a Canadian credit rating when making lending decisions.

It is also important to remember about your credit rating when choosing a loan.

Making minimum contractual payments as agreed on credit cards, loans and lines of credit means that someone protects their credit rating when they first start out with the various debts.

Most insurers will figure in the strength of your credit rating when determining the price of your policy.

However, do not compromise on credit rating when selecting an FDA and base your decision solely on interest rates.

A good number of auto insurance companies consider credit rating when making quotes.

Insurers will often examine your credit rating when they calculate the cost of your policy.

Not exact matches

When the Federal Reserve boosts its target funds rate, banks are quick to follow suit by increasing the cost of borrowing on everything from credit cards to home equity lines of credit.

And so of course no one is sure how the market will react when the Fed raises rates, or what happens if there is another event that causes credit markets to seize up.

On average, you pay a 1 - 3 % higher interest rate when compared to the prime rates found in lines of credit and bank loans.

When used correctly, your credit rating — and ultimately the amount of capital you can get — can grow positively.

When asked, «If your credit card company increases your interest rate, can you do anything about it?»

No. 1: Housing doomsayers argue that when interest rates rise from their currently low levels, it'll take away the credit punch bowl and cause house prices to tumble.

It's tempting to lean on loans and lines of credit when interest rates are low, but it can leave you without room to maneuver

Last year, the central bank sounded an alarm, ranking the expansion of personal credit as the biggest threat to the economy, which is why everyone was shocked when Poloz suddenly cut interest rates in January.

Millions of people in the US have had to get a credit check for a mortgage, so when senators suggest that Wells Fargo employees opening and closing a credit card without a customer's knowledge may affect a credit score and lead to a higher interest rate, it's simple to understand the direct ramification.

His merchant accounts experienced double - digit chargeback rates, when credit card companies issue refunds to consumers who dispute transactions.

A funny thing happened on Oct. 20 (a.k.a. Axe Wednesday), when U.K. Chancellor of the Exchequer George Osborne moved to save his nation, a long - time centre of global finance, from the embarrassment of losing its triple - A credit rating.

Beyond the requirements that liquidity and regulators impose on us, we will purchase currency - related securities only if they offer the possibility of unusual gain — either because a particular credit is mispriced, as can occur in periodic junk - bond debacles, or because rates rise to a level that offers the possibility of realizing substantial capital gains on high - grade bonds when rates fall.

When the analyst, who requested anonymity because what she did is illegal, returned to Venezuela, she sold the dollars at the street rate of 29 - to - 1, enough to pocket 25,000 bolivars after paying off her credit card and travel expenses.»

Only apply for credit when needed, then shop for the best rates.

More from Balancing Priorities: What to do with your bond portfolio as Fed rates rise Credit scores are set to rise Don't make these money mistakes when you're just starting out «There is no sense in bearing the risk of an adjustable rate when you can lock in a fixed rate at essentially the same level,» he said.

A downgrade by a credit rating agency usually means investors will demand a higher interest rate when a company goes to raise cash by issuing bonds or other debt.

That comes at a time when credit cards are being handed out at a historic rate, and several Wall Streeters are worried about the auto - loan market.

Credit card companies and mortgage lenders typically reserve their lowest rates and largest loans for people who have exhibited a quality track record when handling cCredit card companies and mortgage lenders typically reserve their lowest rates and largest loans for people who have exhibited a quality track record when handling creditcredit.

There's more room to negotiate than you think when it comes to credit card fees, interest rates and limits.

When it comes time to purchase a new home or new car, you want your credit report and credit score to be in top financial shape so you qualify for good interest rates.

The number of employees at Goldman increased 11 % since 2012, when the bank's acceptance rate was also 3 % with 267,000 applicants, CEO Lloyd Blankfein said at the Credit Suisse Group conference.

Moody's credit ratings and publications are not intended for retail investors, and it would be reckless and inappropriate for retail investors to use Moody's credit ratings and publications when making an investment decision.

By refinancing when you are earning a salary and have a better credit score, you might be able to lower your interest rates substantially, even as low as 3 percent.

That structure enabled some of these securities to gain high credit ratings even when the average quality of the underlying loans was poor.

After all, when a central bank influences the cost of financing through changes in the policy interest rate, its actions affect the economy by changing asset prices, encouraging or discouraging risk taking, and influencing credit flows.

You're still dealing with all of the same bond risks as every other investor when you buy individual bonds — interest rate risk, credit risk, inflation risk, duration risk, default risk, etc..

When interest rates rise, banks can charge more money on loans and credit cards, potentially increasing their profitability.

Most credit cards have variable interest rates, so when the Fed raises rates, your credit card issuer quickly follows suit.

In other words, when markets are volatile and there are worries about a recession, interest rate exposure can help offset credit risk in a fixed income portfolio.

The better your credit score, the lower interest rate you can expect to pay when borrowing money.

If you've exhausted your cash and need emergency loans to stay afloat, a positive credit history will grant you access to credit at reasonable interest rates when you need it most.

Similarly, when it comes to your bond investments, consider varying maturities, credit qualities, and durations, which measure sensitivity to interest - rate changes.

If you manage to get a value of $ 0.0134 per point when transferring, the Chase Freedom Unlimited ® can beat all other flat - rate cash back credit cards — including the Citi ® Double Cash Creditcredit cards — including the Citi ® Double Cash CreditCredit Card.

This is consistent with a degree of deleveraging among some households, particularly when we consider that low interest rates might otherwise have encouraged a general increase in this type of credit over that period (Graph 9).

When the Bank raises the cash rate, these risk premia may also rise, altering the supply of credit and influencing the amount of investment which is financed.