Premier Bank Card Online

PREMIER Credit Protection is an optional Payment Protection Plan for your First PREMIER Bank credit card. Your monthly minimum payment, as of the date the protected event began, may be covered if you experience a qualifying event such as Involuntary Unemployment, Disability, Unpaid Family Leave, and Hospitalization. If you are not currently employed, such as if you are retired, you may not be eligible for Disability, Unpaid Family Leave, or Involuntary Unemployment protection.

The cost of the program will not change if you become ineligible for some of the protection. PREMIER Credit Protection may also cover your full account balance in the event of your Loss of Life. PREMIER Credit Protection is not required to obtain credit. We will give you additional information before it is too late to cancel without receiving a full refund of fees billed for PREMIER Credit Protection.

100 of your outstanding ending monthly balance each month. If you choose to purchase coverage, we will send you the PREMIER Credit Protection contract via mail in a few days. Please carefully read the contract for a full explanation of eligibility requirements, as well as, conditions and exclusions that could prevent you from receiving benefits under PREMIER Credit Protection. If you’re not completely satisfied, you have 30 days after you receive your first monthly statement that includes PREMIER Credit Protection fees to cancel this program and receive a full refund of any PREMIER Credit Protection fees. You may cancel PREMIER Credit Protection at any time.

Learn about compound interest on credit cards and loans. You might be surprised to learn how much extra you spend when you use plastic to pay for everything. Start living on cash only, and you will notice yourself spending a lot less. It only takes a minute to check your financial transactions each day, and it will help you to keep better track of your spending.

If you have stuff you don’t need, such as electronic gadgets, you can sell them to eliminate clutter and make cash. Use sites like Letgo, Sell iPhone, Gumtree, and Ebay. Even though you may anger a friend or family member, never cosign a loan for anyone. Just one missed payment can damage your credit score.

Also, if someone requires a cosigner, they are considered a risk. If you have a lot of debt, it can be overwhelming. Start by paying off the smaller debts. You can do this quickly, and you will feel like you have actually accomplished something. If you are going to have to pay back student loans, go for Federal loans rather than private loans.

The payment terms are more flexible, and the interest rates are much lower. You want a home, but you don’t want to bite off more than you can chew. Make sure that your mortgage payments are no more than 28% of your monthly income. When you buy things, look at how much it will cost per use.

50 shirt may be worn once a month. 10 shirt would be worn just as often, and costs a lot less. Don’t take people with you when you shop, because they could end up tempting you into spending more money than you had planned. When you shop alone, and you get what you need without distractions.

If you are a student, be sure to fill out the FAFSA. This is for the Pell Grant, which you don’t have to pay back. Many students miss out on this because they don’t fill out the form. When you have overdraft protection, you can be tempted to spend more. Get rid of it, and the temptation won’t be there.

One way to build credit is to get a secured credit card. It gives you credit, but you won’t be able to overspend with it. You also don’t need to have credit to get a secured card. If you don’t have a schedule for saving money, chances are you are going to slack off. Be sure to include savings in your monthly budget.

Credit Protection is often not given the attention that it deserves in our highly technological evolved society. The frequency that our information at companies is constantly compromised can make one wonder whether our privacy was more secure before the advent of our complex information age. It is highly advisable that you do all you can to stay knowledgeable about your credit reports and credit scores. You can obtain our recommended solution that will not cost you a dollar to stay constantly informed on what is occurring on your credit profile.

If you are interested in trying Norton Anti-Virus 2011, you can download it for a 30 day trial from the Norton site, or from CNET. Norton as your anti-virus software. If you do download directly from Norton, as Donna notes in her comprehensive review of Norton AV 2010, Norton will bill your credit card if you forget to cancel within the 30 day trial.

This is known as an opt out trial, and I endorse her suggestion that you try it through CNET without providing credit card information. Norton does have a number of their programs available for free trials, if you are interested, and they are detailed in this article, along with explanations for each.

There are other anti-virus programs available from well known companies, and you may find you want to try a couple before deciding on your final protection decision. Just remember that you should download your new software to your computer, so you can install it as soon as you uninstall the security software you are using. Do as much of the installation as you can without an active connection to the Internet, so your computer is not surfing the net unprotected.