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Personal Loans
If you think yourself to be in the midst of those borrowers who enjoy their life by gratifying their demands and requirements at easy rates, then you ought to ascertain that you are get the best personal loan for yourself. These loans are effortlessly available. Thanks to internet!! These loans are available even if you have a poor credit rating. Such loans can be:
Secured
Unsecured
Bad credit can be pretty aching. Now with the availability of instant lenders in the loan market, the whole situation of these loans search has changed. Immediate or we can say on line lenders assist the borrowers to look for the best loan at the viable cost to comply with their needs and pocket.
Gone are the days when borrowers with sound credit history used to enjoy a variety of striking loan opportunities. But these days the borrowers with their poor credit history like CCJs, bankrupts, defaulters or arrears holders can also benefit form these loans.
And usually it so used to happen that the bad credit borrower had to pay a high rate of interest as compared to good credit borrower. But now, due to cut throat competition in the market, bad creditors also can get the loan at a lower interest rate and larger repayment tenure. These loans can be used for the following purposes: Debt consolidation, holiday, learning, Car purchase, wedding ceremony, home renovation etc.
When we talk about the secured personal loans, it is to say that the borrower has to mortgage some security like house, patent, ornaments, vehicle etc. against the loaned amount. The loan amount for secured personal loan depends on the price of the collateral. Generally the amount of the loan ranges from £ 5000- £ 75 000 and the time period ranges from 5 to 25 years.
While on the other hand when we talk about unsecured personal loans, it suggests that the loan can be borrowed without placing any asset as collateral. However, due to nonexistence of security the interest paid by you is comparatively high. But, after finding a good lender, you can grab unsecured personal loan at lower interest rate.
These loans thus:
* Have comfortable reimbursement options
* Easy approval
* Comparatively lower interest rates
* Secured loans for any personal use
* Unsecured loans for any personal use
* No poor credit problems
Washington Mutual Credit Card Review (Page 1 of 2)
Washington Mutual is one of the largest banks of America and it offers an amazing variety of cards. The first and the foremost is the Washington Mutual Platinum Card which comes with instant approval so now you don’t have to wait for days to know the status of your application, you get to know instantly whether your application for a Washington Mutual Platinum Card is approved or not. As a measure of protection against the unauthorized services which are on a rise, the Washington Mutual Platinum Card comes with $0 fraud liability on unauthorized purchases so you don’t have to spend sleepless nights in case that happens.
Without any annual fee and discounts from popular retailers available online this card is hard to resist. The promotional balance transfer APR is as low as 0% for the first 12 billing cycles as it is the introductory period and after that the APR for purchases varies from 9.99% to 19.99%. The Washington Mutual Platinum Card also gives you a grace period of 25 days if the new balance is paid fully by the due date of the payment and the balance is calculated according to the method of the two-cycle average daily balance which includes new purchases too. With the Washington Mutual Platinum Card you are charged a minimum of $1 as a finance charge and 1% of each purchase as the transaction fee for the purchases that you make outside the U.S. and its territories. The Washington Mutual Platinum Card charges 3% for each balance transfer ranging from a minimum of $5 to a maximum of $75 and 3% of the advance i.e. a minimum of $10 is charged from you as your cash advance fee. If you are late in paying the bill, a late fee varying from $19 to $39 is charged depending on your balance and if you exceed your set credit line during any billing cycle an overlimit fee of $35 is charged from you.
The Washington Mutual Platinum Card also provides you with the unique and interactive Washington Mutual Credit online account management providing you an offer card whenever you visit the visit the site thereby increasing customer base and saving you from the trouble of searching and applying for a credit card.
Not very long ago the Washington Mutual took over the Provident Credit Card which was the erstwhile credit card giant and has grabbed up the ninth position in the credit card ranking in America since then and now it offers you three more cards to choose from one of them being the Providian Real Rewards Card. The Providian Real Rewards Card is different from others because it rewards you with points every time you use it and the rewards come in different forms thereby giving you freedom of choice. So with Providian Real Rewards Card you can use your rewards for purchasing flight tickets or as restaurant coupons.
Another card offered by the Washington Mutual is the Providian Cash Back Card which gives you cash back on any purchase you make thereby giving you ample opportunity to get your money back with each purchase made by you.