Itunes cards are a popular gift right now, I am always receiving itunes cards as rewards at work, for filling out surveys, even my grandma gave me a itunes card for my birthday. Everyone thinks it's the perfect gift and for some people it is, after all who does not like music, movies and television? While everyone would agree that they at least love some form of media not everyone is into the digital format itunes delivers media in and of course not everyone is into the whole concept of paying for their music, movies and television shows. After all there is plenty of indie music out there for free, streaming websites also offer a good deal of free music from popular bands not to mention that thing called the radio. For television you can always watch shows for free, with a dvr that is nearly standard on cable boxes these days you can even record your favorite shows to watch later. While movies are not free there are services like Netflix that provide them for a very low cost. Some people reading this article may now be thinking that I am ignorant of the thousands of bit torrent and file sharing sites out there. Of course this is another reason, possibly the biggest reason why people may choose to sell their itunes gift cards. Why use their itunes card at all when they get their media for free? Most people don't and the itunes cards just sit around gathering dust for years. That's why I have come up with some alternative uses for your itunes cards.
The first alternative use and most lucrative is to simply go online and sell the card. There is a website that will let you sell itunes gift cards, they will give you cash for your unwanted itunes credits. It is the easiest way to sell your itunes cards and it takes only about 5 minutes to turn your card into cash. It is important to note that in order to sell your card it must not have been previously loaded onto your itunes account. If you load the card on your account the balance will be stuck on your account forever. We still have a number of alternative uses for the card if you have already put it on your account so be sure to read on.
If your balance is already stuck on your account and you own an iphone, ipad or mac computer you can always use your credits to purchase software apps. There are literally millions of apps available so you should be able to find something you like. Even if you can not find an app you like consider investing in a productivity app or purchase a issues of a magazine you like. Still not convinced this is a good use of cash? Then read on for our final suggestion of alternative uses for itunes cards.
Consider donating the balance on your itunes account if you do not want to cash in or use it on some media or an app. How can you donate your itunes balance? Just look for an app or song that is donating all proceeds to a charitable cause. There are always lots of options available as developers and musicians aim to promote their music by attaching their product to a worthy cause. Also you can try to think of any friends or family members who may have developed an app or put their bands single on itunes. Why not help them climb the charts and put a little bit of money in their pocket? Of course Apple takes its cut on every transaction but this does not detract from the good created by your charitable donation.
Many people leave their gift cards sitting around for years, some get lost, some even get thrown out. If you are not using the card do something with it! Look at your itunes card as an asset that is wasted capital if it's just sitting there unused. Sell your gift cards, buy something nice, invest the money, and donate to a worthy cause. Don't let that asset sit ideally by, do something with your itunes credit today.
Showing posts with label Cards. Show all posts
Showing posts with label Cards. Show all posts
Thursday, January 23, 2014
Tuesday, December 17, 2013
Unsecured Credit Cards After Bankruptcy: Options To Consider
A bad credit rating is something that tends to cause trouble when applying for a credit card, with the likelihood of getting approval or good terms reduced significantly. Logically then, getting approval when bankruptcy should be impossible - but this is not so. In fact, unsecured credit cards after bankruptcy are commonly available.
However, there are real compromises to make before getting approval with bad credit can become a reality. These compromises generally involve accepting high rates of interest charged on purchases and cash advances, and usually low credit rating.
The promise of regaining some credit ratings, and increasing a credit score, can make these terms acceptable, but there is no need to be taken advantage of. Even when bankruptcy is the chief motivation for issuers adding charges, unsecured credit cards should come with fair terms at the very least.
Why Bankruptcy is Overlooked
Technically, bankruptcy is not overlooked as there are limitations applied to protect the credit card issuer from making too large a loss. However, getting unsecured credit cards after bankruptcy is possible because of a number of reasons.
For a start, getting approval with bad credit is usually the break that those of us with low credit scores are looking for. It effectively allows us back onto the horse, and so issuers can feel confident that the mistakes of the past will not be repeated.
Bankruptcy can be a debilitating status, and it can take as long as 2 years to recover. Getting unsecured credit cards with the best terms is next to impossible until the financial status is improved. But even with poor terms, a new card is one way to rebuild.
Secured Credit Cards
One of the options available when approval on general credit cards is difficult to get, is a secured credit card. Because unsecured credit cards after bankruptcy can feature some extremely harsh charges and restrictions, it may not make financial sense to some people to get one. But placing a deposit on a card, or a secured card, provides a chance to get back to using a card at least.
There are restrictions, of course, but in only having the ability to spend what is equal to the deposit, the risk of falling to debt is removed. And because only a small amount of interest is charged on transactions, it also provides a very affordable route towards credit recovery. Getting approval with bad credit might be tricky, but getting approval on a debit card leading to stronger credit ratings, is much easier.
However, there is always the issue with finding the ready cash to place as a deposit for the card. The reality is that unsecured credit cards are the only likely option, making the search for best terms essential.
Online Card Issuers
The best place to search for unsecured credit cards after bankruptcy is the on the Internet. It is already established just how good the terms can be online, and it is no different for credit cards. The range of options is more easily accessed, and it is also easier to compare the options to better identify the right one.
Of course, the right terms can only be provided by the credit card lenders issuers that specialize in finances designed for people with poor credit. Usually, this is the best way of getting approval with bad credit.
Interest rates charged on unsecured credit cards do not have to be huge (20%) and can be secured at 10% if a low credit limit is accepted. This is a compromise, but a cautious one that is less likely to end up with a worsened financial situation.
However, there are real compromises to make before getting approval with bad credit can become a reality. These compromises generally involve accepting high rates of interest charged on purchases and cash advances, and usually low credit rating.
The promise of regaining some credit ratings, and increasing a credit score, can make these terms acceptable, but there is no need to be taken advantage of. Even when bankruptcy is the chief motivation for issuers adding charges, unsecured credit cards should come with fair terms at the very least.
Why Bankruptcy is Overlooked
Technically, bankruptcy is not overlooked as there are limitations applied to protect the credit card issuer from making too large a loss. However, getting unsecured credit cards after bankruptcy is possible because of a number of reasons.
For a start, getting approval with bad credit is usually the break that those of us with low credit scores are looking for. It effectively allows us back onto the horse, and so issuers can feel confident that the mistakes of the past will not be repeated.
Bankruptcy can be a debilitating status, and it can take as long as 2 years to recover. Getting unsecured credit cards with the best terms is next to impossible until the financial status is improved. But even with poor terms, a new card is one way to rebuild.
Secured Credit Cards
One of the options available when approval on general credit cards is difficult to get, is a secured credit card. Because unsecured credit cards after bankruptcy can feature some extremely harsh charges and restrictions, it may not make financial sense to some people to get one. But placing a deposit on a card, or a secured card, provides a chance to get back to using a card at least.
There are restrictions, of course, but in only having the ability to spend what is equal to the deposit, the risk of falling to debt is removed. And because only a small amount of interest is charged on transactions, it also provides a very affordable route towards credit recovery. Getting approval with bad credit might be tricky, but getting approval on a debit card leading to stronger credit ratings, is much easier.
However, there is always the issue with finding the ready cash to place as a deposit for the card. The reality is that unsecured credit cards are the only likely option, making the search for best terms essential.
Online Card Issuers
The best place to search for unsecured credit cards after bankruptcy is the on the Internet. It is already established just how good the terms can be online, and it is no different for credit cards. The range of options is more easily accessed, and it is also easier to compare the options to better identify the right one.
Of course, the right terms can only be provided by the credit card lenders issuers that specialize in finances designed for people with poor credit. Usually, this is the best way of getting approval with bad credit.
Interest rates charged on unsecured credit cards do not have to be huge (20%) and can be secured at 10% if a low credit limit is accepted. This is a compromise, but a cautious one that is less likely to end up with a worsened financial situation.
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