Payment Protection Insurance is a highly priced insurance policy sold alongside credit and loans to protect consumers in the event they fall ill and become unable to meet repayments. In theory it is a great policy as who would not want protection against the unknown and what might happen in the event of a long term sickness. The reality of these policies however is not so great. They are extortionately priced and can often amount to as much as 30% of the loan amount. For example of you take out a £10,000 car loan being paid back over 5 years with the added cover of Payment protection Insurance you may end up paying around £3,000 just for the Insurance cover. This as I’m sure you can appreciate is an extremely expensive form of insurance. It is even more expensive when you consider that this Payment Protection Insurance has an extremely low payout rate and is mis-sold at an alarming rate just so that lenders and banks can reap the rewards of multi billion pound revenue stream it provides. In recent times the FS have fined many high street banks and lenders for the way in which they have mis-sold PPI and as a result hundreds of thousands of consumers now have the legal right to reclaim these mis-sold payments and interest of 8%. If you have had loans, credit cards or any form of credit it is advisable to check if you had Payment Protection Insurance. If you have you could be entitled to use our No Win No Fee service to Reclaim Bank Charges on these mis-sold premiums.

On top of the mis-selling of Payment Protection Insurance the banks and credit card companies are also facing compensation claims in the hundreds of millions for excessive credit card charges. It was not uncommon for Credit Card companies to charge customers anything up to £35.00 a time for something as small as missing a payment due date or exceeding a credit limit. The OFT ruled after reviewing these charges that anything above £12.00 was considered and unfair and thus gave grounds for consumers to reclaim all payments above this amount. If you consider that you could have a credit card for a few years and all these little charges could add to quite a significant amount. If you would like to Reclaim Bank Charges for excessive credit card charges contact us and avail of our no win no fee service with no upfront costs. What have you got to lose?

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What happens when you have a bad credit score?

Individual or companies who have bad credit scores are normally declined any instalments packages, loans, credit cards, mortgages and sometimes even insurance. Most of the time people want to buy products in instalments, so your credit score needs to be good to purchase anything on instalments or to be granted with loans.
There are several solutions for improving bad credit score and one of them is to get bad credit credit cards. Credit cards for bad credit are meant for individuals or companies who have poor credit history. This is certainly one way to increase your bad credit history. You just have to make sure that after you get this card just do not make any late payments. Normally people tend to spend all their money before the end of the month. And most companies and individuals have direct debit set up for the end of the money and they completely miss the payments. Many people are in bad credit history from University. You are always looking for some extra cash when at University. You apply for credit card and when you get one you spend the money not thinking about the money you have spent is owed to someone else and you have to pay the credit card company back. when you spend your credit card limit you won’t be able to make payments to the credit card company till your LEA loans comes through to your account in that time you would miss a few month’s payments.

The above was an individual example, how do companies get bad credit. Simple answer is the same way and also bankruptcy. Bankruptcy is probably one of the worst way to get bad credit score. Bankruptcy is an inability of a company to pay their creditors and dealing with debts you just cannot pay back.

So if you have a question how to improve credit rating then I advice you to go online and read reviews on poor credit credit cards and you will find some great deals.

There are a number of ways in which you can earn reward points using Southwest airline credit cards. Southwest airline credit cards have two kinds of reward points i.e. there are two denominations in which you can earn reward points – rapid reward credits and rapid reward dollars. The rapid reward credits are a much higher reward denomination as compared to the reward dollars (e.g. at the time of writing this article, 1200 reward dollars is equal to 1 rapid reward credit).

So how do you earn and redeem the reward points on your southwest airline credit card?

You get bonus reward credits after your first purchase on your southwest airline credit card. These purchases needn’t be on southwest airlines products/services, these can be just any purchases made using the southwest airline credit card. You earn reward dollars for any expenditures you make using your southwest airline credit card. There are additional reward dollars, when you use your southwest airline credit card on southwest airlines (i.e. when you use your southwest airline credit card to spend on southwest airlines products/services). By additional we mean, the reward dollars are more as compared to those earned on other, non-southwest airline, purchases. As you keep collecting reward dollars, you keep moving closer to getting a round trip award. Generally, the roundtrip awards are based on rapid reward credits. So, you can convert the reward dollars, earned on your southwest airline credit card, into rapid reward credits; and convert rapid reward credits into your roundtrip award. Another way of earning rapid rewards credit on southwest airline credit cards is through balance transfers.

Southwest airline credit cards are surely a good option for people who travel frequently by air using southwest airlines. Since the network of southwest airlines is pretty widespread, you will find that you are able to get southwest airlines flight to most places you want to travel to and hence get an opportunity to use your south west airline credit card to earn reward points (or reward dollars, as they call them).

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