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How to build good credit with credit cards

Consumer behavior saw a change in the preferred payment method for the first time since 2016. Debit cards were the most used, but 2016 marked the year were American consumers preferred credit cards over debit cards. Credit cards are preferred over debit cards for the following reasons:

Safety because it’s the bank which pays the money if at all there’s an error or fraud occurs.
Credit card customers are offered plenty of rewards from the bank issuing them.

How to build good credit with credit cards

Helps in building credit rating and many more.

Banks try to sell them more since its profitable compared to debit cards.

Any American with a good credit score can avail a credit card with minimum hassle. Even if it’s the other way, there are credit cards that can help them build a decent credit history.

Finding the right credit card and using it responsibly is the key to building up the credit history. There are two types of credit cards.

Secured credit cards: Secured cards are those were the user deposits a cash deposit and availed the card. Secured credit card reduces the risk to the issuer as they have the deposit at their disposal in case the user fails to make the payment. Secured credit cards are hence the best for users with bad or limited credit history. Responsible usage of secured credit cards can help build up a good credit score thus qualifying the user for better credit cards.

Unsecured credit cards: Unsecured cards are the usual credit cards were the issuer trusts the user based on his credit history and expects him to make the payment. There is no security deposit when it comes to unsecured credit cards. However, the user needs to have some established credit to qualify for an unsecured credit card. Unsecured credit cards are a little hard to qualify, and users with bad credit could end up paying higher interests and additional fees.

Following are some of the best credit cards for bad credit:

Credit One Bank Unsecured Platinum Visa: Credit one bank offers one of the best credit cards for bad credit – it is one of the best-unsecured cards for building credit scores. Users can check whether they are pre-qualified without hurting their credit score. It’s an unsecured card, so no security deposit. With a minimal fee, provision for increasing the credit limit is one good feature. Not many cards offer 1% cash back on eligible purchases like gas, groceries, and services like internet, satellite TV. Since Credit One reports to all the three major bureaus every month, it’s a great card to keep the credit scores up to date. The card has an annual fee of $99, so may not be the best card for long-term. Credit utilization rate can be kept low by keeping an eye on balance before going for a big purchase.

Milestone Gold MasterCard: Milestone is one great credit card for users with severely damaged credit scores. Users who have had a history of bankruptcy can also avail this card with minimum hassle. Like Credit one, Milestone also has a lenient and fast pre-qualification process was the credit score doesn’t take a hit. Milestone cards are a good option to build a good credit score, but the user has to ensure full payment every month to avoid high-interest penalty. Thus, it can be thought of as one of the best credit cards for bad credit.

Indigo Platinum Master Card: Indigo platinum cards may not have fancy offers to attract customers, but it does offer a sensible option of building a decent credit score with minimum hassle. The issuer can give a blind eye to any previous history of bad credit or even bankruptcy. The card has a mobile-friendly online access. It is best to make the payments on time to avoid a 29.9% penalty APR.

Discover it Secured Card – No annual fee: Consider Discover it if the user is looking for a secured credit card with a refundable security deposit of $200 with no annual fee. They do offer cash back rewards making it a favorite among Americans. Purchases at restaurants and gas stations can earn up to 2% cash back making it very popular for daily usage, thereby making it one of the best credit cards even if you have bad credit. Discover provides a free FICO credit score on monthly statements.

SDFCU Savings Secured Visa Platinum Card: An EMV chip-enabled credit card enabling it to be used overseas in countries that are chip based. SDFCU doesn’t have an annual fee and reports to all the three credit bureaus. This card has the lowest APR which is a boon for users trying to build their credit score. The only drawback is it can’t be upgraded to unsecured forcing the user to cancel it to claim the deposit.

In most cases, an ideal credit card is the one with low fees and potential for rewards. It is up to the user to analyze the situation and avail a credit card that suits him the best. Making payments on time and staying within the credit limit can help build a decent credit score g

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The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors

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An Overview Of Cla Safflower Oil

An overview of CLA safflower oil CLA stands for conjugated linoleic acid. It is high in good fats, i.e., monounsaturated fats and polyunsaturated fats. According to the National Institutes of Health, typically, CLA is found in foods like beef and dairy. However, it can also be found in small quantities in vegetable oils. Safflower oil is a oil produced from the seeds of a safflower plant; thus, it is a vegetable oil. Safflower plant is about 30 to 150 cm in height and each branch of the plant has about one to five flower heads with 15-20 seeds per head from which the oil is extracted. The plant is found in Kazakhstan as well as India, the USA, Mexico, and Argentina. Below is some information about CLA safflower oil. What are the advantages of using CLA safflower oil? The CLA safflower oil is a rich source of unsaturated fatty acids, namely, polyunsaturated fats and monounsaturated fats. These fats, commonly known as good fats, are required by the body to function well. The CLA safflower oil helps in improving memory and aids hormone regulation. This oil allows the body to absorb fat-soluble vitamins like vitamin K, E, D, and A. CLA safflower oil reduces inflammation in the body and also improves general health. It is a good way to regulate blood sugar levels in the body. Regular intake of CLA safflower oil improves blood cholesterol levels, thereby, reducing the chances of any kind of heart diseases. It contains vitamin E, which is great for skin issues like dry skin or even inflamed skin. However, you must perform a patch test before applying the oil all over the skin. How do you use CLA safflower oil in diet? The moderate use of safflower oil in your food will improve your metabolic rate, thereby, reducing your weight. The proportion of safflower oil intake would be dependent on weight-loss calorie requirement. For instance, a woman who needs to have 1200 calories daily would need 4 teaspoons of the CLA safflower oil. Men who are on a diet and need to consume 1600 calories would need 5 teaspoons of it. What are the side effects of CLA safflower oil? Most often people do not face any side effects from this oil if it is consumed or applied in recommended proportions. CLA safflower oil thins the blood so it could slow down clotting and could increase the chances of bleeding for those who have bleeding disorders or are undergoing some sort of surgery. People allergic to ragweed or pollen should not consume this oil as it could lead to an allergic reaction. Pregnant women should avoid it. Which are the best safflower oils of the year? As per CLA safflower oil reviews, the following brands have made the list of favorites among consumers this year: Renewalize Organic Safflower Oil – This is a USDA-certified brand and it is high in oleic acid. Renewalize Organic Safflower Oil is extracted using the cold pressed method that allows it to have a high amount of oleic acid, which is great for hair growth. Hollywood Safflower Oil – This is a great oil for cooking. It is the best when it comes to light heat cooking. The Hollywood Safflower Oil is available in a pack of one, three, or twelve, and it works well for pasta and as a drizzle over appetizers. It is good for cake mixes as well. Eden Unrefined – This brand of CLA safflower oil is organic and kosher, and it only has safflower oil. It works well for acne-prone skin and for cooking too. Dr. Adorable One Gallon – If you want to use CLA safflower oil especially for body massages, then this brand works beautifully as it blends well. You can take a generous quantity and apply it all over the body. It has no noticeable smell. However, this oil should be only used for external purposes. Spectrum Naturals High Heat – This brand produces the perfect CLA safflower oil for cooking. It has a smooth flavor that is ideal for cooking. The Spectrum Naturals High Heat does not have any artificial coloring, genetically modified organisms (GMOs), and other common allergens. It is much lighter than other oils, such as olive oil.

Top 10 Health Benefits Of Safflower Oil

Top 10 health benefits of safflower oil Safflower oil is an oil that is extracted from the seeds of the safflower. CLA stands for conjugated linoleic acid. CLA is a type of polyunsaturated fatty acid. The CLA safflower oil has a number of health benefits; hence, it is being used as medicine by many people. CLA safflower oil can be used for treating a number of health issues and it is also used as a cooking oil. Continue reading if you wish to know more about the amazing health benefits of safflower oil, its side effects, and more. What are the health benefits of safflower oil? It is believed that safflower oil helps in boosting the immune system. This oil has properties that can protect the body from any kind of infections and it is considered to boost immune health. The CLA safflower oil is good for your heart’s health. When you are having heart-related health issues, your doctor will usually suggest you maintain a balanced diet, and it is important to keep it natural. Safflower oil is a natural oil that has omega-6 fatty acids, which are good for a healthy heart. The cholesterol levels of the body are also maintained using this oil. CLA safflower oil helps in losing weight. Shedding those extra pounds is not a simple task and you need to do a lot more along with exercise. Safflower oil is very good for healthy and shiny hair. If you are having dull, damaged, and dry hair, then this oil can be very helpful. Just massage a few drops of this oil into your scalp and it would increase the blood circulation in your scalp resulting in strong hair. When you have strong hair, why not have flawless skin? Yes, there are a number of products available in the market for flawless skin, but how many of them guarantee long-lasting results? Safflower oil can do that for you. You can check the CLA safflower oil reviews for skin and you will find the best reviews about this oil. It is good for joint pains as well. Massaging is one of the best ways to get rid of joint pains and massaging with safflower oil is a good option for better results. Diabetes is a health condition that needs to be treated with the right medicine. According to many studies, the omega-6 fatty acids are considered as the best option for controlling sugar levels in the body. It is also good for treating a migraine headache. Any health problems related to respiration can be treated using this oil. Menstrual pain and cramps in women can be treated with the help of this oil. Are there any side effects of safflower oil? There are no side effects of using safflower oil when used in moderation. This oil is strong and can cause irritation, so do not use it directly. You need to dilute with any carrier oil before you actually use it. What is the dosage of safflower oil that is good for your health? The dosage of CLA safflower oil usually depends on what kind of health issue you are treating. If you are using it to help reduce weight, then you can use it as cooking oil for at least six weeks. For this, you should consume at least one and a half teaspoons of this oil on a daily basis. How should safflower oil be stored for better results? Safflower has to be stored always in a dark place in an airtight container. Safflower oil can be kept in the refrigerator. In order to reduce the chances of oxidation, you should make sure that minimal air and light reaches the containers in which the oil is stored. You need to use the oil in just one or two months after you open the packing or oil tin.