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	<title>Credit Material &#187; credit cards</title>
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	<link>http://www.creditmaterial.com</link>
	<description>Credit Card Applications, Payday Loans, Home Refinance, Money Market Blog</description>
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			<item>
		<title>900,000 Students have no access to Federal Student Loans</title>
		<link>http://www.creditmaterial.com/2009/10/900000-students-have-no-access-to-federal-student-loans/</link>
		<comments>http://www.creditmaterial.com/2009/10/900000-students-have-no-access-to-federal-student-loans/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 15:30:33 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[federal loan programs]]></category>
		<category><![CDATA[federal student loan]]></category>
		<category><![CDATA[four-year public college]]></category>
		<category><![CDATA[LOANS NEWS]]></category>
		<category><![CDATA[risky and expensive private student loans]]></category>
		<category><![CDATA[student debt]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[two-year community college]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=3056</guid>
		<description><![CDATA[In the U.S. nearly one in 10 community college students cannot get a federal student loan The federal student loan is considered to be the safest, most affordable way to borrow for college. These students cannot get this loan due to the reason that their schools choose...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/900000-students-have-no-access-to-federal-student-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reward Points: The Real Deal</title>
		<link>http://www.creditmaterial.com/2009/10/reward-points-the-real-deal/</link>
		<comments>http://www.creditmaterial.com/2009/10/reward-points-the-real-deal/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 19:06:56 +0000</pubDate>
		<dc:creator>WallStats.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[Frugal Living]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=6503</guid>
		<description><![CDATA[Rewards points programs can turn saving money on the purchases you make seem like a game. But the game you're playing is more like skee ball than frisbee. Playing for points means you'll be tempted to buy things you can't afford just to acquire points. But even worse is the fact that the game is rigged before you even begin. Most people will never acquire enough points to pay for the luxury items they desire. And many rewards programs are deliberately deceptive in describing how they work. Not all points are created equal and some are downright worthless. Our guide to rewards points programs will teach you the tricks you need to be a points ninja.
<!--more-->]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Amazon.co.uk launches Credit Card</title>
		<link>http://www.creditmaterial.com/2009/10/amazon-co-uk-launches-credit-card/</link>
		<comments>http://www.creditmaterial.com/2009/10/amazon-co-uk-launches-credit-card/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 15:36:49 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[amazon.co.uk]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[interest-free period]]></category>
		<category><![CDATA[monthly interest rates]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2783</guid>
		<description><![CDATA[A credit card has been launched by the Internet giant amazon.co.uk. A nine-month interest-free period for purchases and 0% on balance transfers for...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/amazon-co-uk-launches-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>National Average Credit Card Interest Rates</title>
		<link>http://www.creditmaterial.com/2009/10/national-average-credit-card-interest-rates/</link>
		<comments>http://www.creditmaterial.com/2009/10/national-average-credit-card-interest-rates/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 14:01:30 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[average credit card interest rates]]></category>
		<category><![CDATA[average fixed-rate]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[Federal Reserve Board]]></category>
		<category><![CDATA[standard-variable rates]]></category>
		<category><![CDATA[unfair credit card practices]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2778</guid>
		<description><![CDATA[For the past five weeks average credit card interest rates on purchases has remained flat. For all fixed-rate cards the mean APR stood at 12.34%, and the average variable rate held to...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/national-average-credit-card-interest-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed decided to Institute Curbs On Issuers of Credit Cards</title>
		<link>http://www.creditmaterial.com/2009/09/fed-decided-to-institute-curbs-on-issuers-of-credit-cards/</link>
		<comments>http://www.creditmaterial.com/2009/09/fed-decided-to-institute-curbs-on-issuers-of-credit-cards/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 12:56:49 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[credit limits]]></category>
		<category><![CDATA[Fed]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[fees on subprime credit cards]]></category>
		<category><![CDATA[fixed-rate accounts]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2697</guid>
		<description><![CDATA[On Tuesday rules have been proposed by the Federal Reserve to end banks' ability to apply credit card payments to balances having lowest interest rates first, implementing legislation Congress passed in...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Fee Balance Transfer Offers Rise Again</title>
		<link>http://www.creditmaterial.com/2009/09/no-fee-balance-transfer-offers-rise-again/</link>
		<comments>http://www.creditmaterial.com/2009/09/no-fee-balance-transfer-offers-rise-again/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 15:20:06 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[0 percent interest]]></category>
		<category><![CDATA[0pc interest on balance transfers]]></category>
		<category><![CDATA[average interest rate]]></category>
		<category><![CDATA[balance transfer fees]]></category>
		<category><![CDATA[Credit card providers]]></category>
		<category><![CDATA[credit cards news]]></category>
		<category><![CDATA[MoneyExpert.com]]></category>
		<category><![CDATA[zero percent balance transfer]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2692</guid>
		<description><![CDATA[Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates. According to financial website MoneyExpert.com, the number of credit card providers that are offering credit card holders the chance to...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/no-fee-balance-transfer-offers-rise-again/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Bad Debt?</title>
		<link>http://www.creditmaterial.com/2009/09/what-is-bad-debt/</link>
		<comments>http://www.creditmaterial.com/2009/09/what-is-bad-debt/#comments</comments>
		<pubDate>Sun, 27 Sep 2009 18:00:47 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[bank charges]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit card payments]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Debt Consolidation Companies]]></category>
		<category><![CDATA[debt counseling]]></category>
		<category><![CDATA[imprisonment]]></category>
		<category><![CDATA[loan repayments]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[overall earnings]]></category>
		<category><![CDATA[regulated financial advisors]]></category>
		<category><![CDATA[US dollars]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2650</guid>
		<description><![CDATA[A wide variety of definitions can be covered by bad debt. The most common meaning of bad debt is that money owed which is unlikely to be recovered. A company may write off this form of bad debt or this bad debt may ultimately lead a person to...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/what-is-bad-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bank of America Reduced its Overdraft Fees</title>
		<link>http://www.creditmaterial.com/2009/09/bank-of-america-reduced-its-overdraft-fees/</link>
		<comments>http://www.creditmaterial.com/2009/09/bank-of-america-reduced-its-overdraft-fees/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 12:49:04 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[credit card reform act]]></category>
		<category><![CDATA[financial system]]></category>
		<category><![CDATA[Moebs Services]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[overdrawn balances]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2619</guid>
		<description><![CDATA[Bank of America says that it will reduce overdraft fees and improve checking account options.From overdraft fees banks earn billions of dollars per year and as financial system reform remains in...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/bank-of-america-reduced-its-overdraft-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it possible to have Credit card processing without credit card processing fees?</title>
		<link>http://www.creditmaterial.com/2009/09/is-it-possible-to-have-credit-card-processing-without-credit-card-processing-fees/</link>
		<comments>http://www.creditmaterial.com/2009/09/is-it-possible-to-have-credit-card-processing-without-credit-card-processing-fees/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 16:30:06 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit card for purchases]]></category>
		<category><![CDATA[credit card processing]]></category>
		<category><![CDATA[credit card processing fees]]></category>
		<category><![CDATA[merchant account providers]]></category>
		<category><![CDATA[North American Bancard]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2609</guid>
		<description><![CDATA[Nowadays it seems like everything you try to do for your company cost you more money than you have ever expected. This is particularly true when it comes to credit card processing. The credit cards are accepted at shops to provide a convenient manner for your customers to make purchases and payments. However, due to the processing fees that many merchant account companies charge...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/is-it-possible-to-have-credit-card-processing-without-credit-card-processing-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Common Credit Mistakes</title>
		<link>http://www.creditmaterial.com/2009/09/common-credit-mistakes/</link>
		<comments>http://www.creditmaterial.com/2009/09/common-credit-mistakes/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 17:00:00 +0000</pubDate>
		<dc:creator>Farah</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[advice on credits]]></category>
		<category><![CDATA[avoid mistakes]]></category>
		<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[credit card mistakes]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2525</guid>
		<description><![CDATA[Credit cards could be a blessing for some, but for most of the time, it turns out to be a devil in disguise. You just need to know how to keep this devil chained. Avoid some common mistakes, bring in some good judgment and you are sure to take full benefit of the card.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/common-credit-mistakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Business Credit Card Quote Service Now Available – Save Up to 50%</title>
		<link>http://www.creditmaterial.com/2009/09/free-business-credit-card-quote-service-now-available-%e2%80%93-save-up-to-50/</link>
		<comments>http://www.creditmaterial.com/2009/09/free-business-credit-card-quote-service-now-available-%e2%80%93-save-up-to-50/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 15:05:02 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[business credit card vendors]]></category>
		<category><![CDATA[business credit cards]]></category>
		<category><![CDATA[business network]]></category>
		<category><![CDATA[business purchases]]></category>
		<category><![CDATA[cash back options]]></category>
		<category><![CDATA[Credit Card Company]]></category>
		<category><![CDATA[credit card services]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[InsideUp]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2545</guid>
		<description><![CDATA[With the launch of a new free business matchmaking service by InsideUp businesses are now able to search, interact and request quotes from Business Credit Card vendors.Today it has been announced by InsideUp that for business credit card vendors it has launched its...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hacker Pleads Guilty In Major Credit Card Theft</title>
		<link>http://www.creditmaterial.com/2009/09/hacker-pleads-guilty-in-major-credit-card-theft/</link>
		<comments>http://www.creditmaterial.com/2009/09/hacker-pleads-guilty-in-major-credit-card-theft/#comments</comments>
		<pubDate>Sat, 12 Sep 2009 15:01:14 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2321</guid>
		<description><![CDATA[A hacker who has been accused of stealing tens of millions of credit and debit card numbers in one of the largest computer break-ins in U.S. history has been pleaded guilty on Friday to fraud, identity theft and...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Transfer Credit Card Balances With Bad Credit?</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-transfer-credit-card-balances-with-bad-credit/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-transfer-credit-card-balances-with-bad-credit/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 11:32:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[balance transfers]]></category>
		<category><![CDATA[card issuer]]></category>
		<category><![CDATA[card issuers]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card balance]]></category>
		<category><![CDATA[credit counseling company]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[current bank]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[high-interest]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[poor credit]]></category>
		<category><![CDATA[Washington Mutual]]></category>
		<category><![CDATA[website]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/08/how-to-transfer-credit-card-balances-with-bad-credit/</guid>
		<description><![CDATA[Having high-interest credit card balances along with bad credit can be a tough situation. Although it may sound like a really bad combination, it may not be that bad.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Cancel A Credit Card</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-cancel-a-credit-card/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-cancel-a-credit-card/#comments</comments>
		<pubDate>Sat, 05 Sep 2009 10:17:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[Canceling your credit card]]></category>
		<category><![CDATA[charges]]></category>
		<category><![CDATA[closure]]></category>
		<category><![CDATA[confirmation number]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit depth]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[customer service representative]]></category>
		<category><![CDATA[cut]]></category>
		<category><![CDATA[drop]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[habit]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[outstanding balance]]></category>
		<category><![CDATA[penalty]]></category>
		<category><![CDATA[representative]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/05/how-to-cancel-a-credit-card/</guid>
		<description><![CDATA[If you are not using your credit card any more, you may want to get rid of it. Or maybe you’ve got spending habits that are out of control and you just want to pay off the credit card and close the account. You have already cut up the card, might as well close the account too, right?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Build Credit History</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-build-credit-history/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-build-credit-history/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 07:17:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[auto leases]]></category>
		<category><![CDATA[bad mark]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[gas card]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[long]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[savings account]]></category>
		<category><![CDATA[store credit card]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/04/how-to-build-credit-history/</guid>
		<description><![CDATA[One of the most important factors that affect your credit score is your credit history. It may take you many years to establish a credit history and although both of them overlap, without a credit history, a credit score means very little.]]></description>
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		<slash:comments>0</slash:comments>
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