“Secure” Login at HSBC Credit Card Website

If you have an HSBC Credit Card, here is a security warning for you: The website http://www.hsbccreditcard.com/ is not secure and their “Secure Login” is also not secure. You should always look for https:// in the URL to make sure that a site is secure. Just having the words “Secure” and  a padlock does not…

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Credit Card Rates Up, Benefits Down

Parchayi and me both have credit scores in the 800s, always pay all bills on time etc. and in spite of that we have been seeing notices from credit card companies every few months increasing rates and reducing benefits. It seems we are not alone and banks are just jerks who will do as they…

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Free Lifelock

Here is how to get Lifelock (a service that puts a Fraud Alert on your behalf at all the credit reporting agencies automatically every 90 days) for Free. Go to their Enrollment Form and enter ‘ or 1 or ‘ with the quotes included and voila – the service goes down to 0$ annualy. Wonderfull…

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Credit Score Whoring TM

A friend of mine who graduated with me was refused an interview at a DC company because his GPA was less than 3.5 and he used the term ‘GPA whore’ for the company. Thus leads to the birth of my new term – ‘Credit Score Whoring’ TM (CSW) – trying to artificially raise your FICO…

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Credit Card Interest Rates – Ask for Less?

Over at Yahoo Finance today, I found this article – Negotiate a Lower Credit-Card Rate from the Wall Street Journal. The artice goes on to say that credit card companies will lower your interest rate if you ask for a lower rate. Most of my credit cards are low fixed rate cards, plus I haven’t…

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