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IVA Information
Free IVA information and advice from IVA Info UK. Find out whats really involved with an Individual Voluntary Agreement (IVA)

Debt IVA
IVAs are for people with unaffordable debts. An IVA can enable you to write off up to 75% of your debt. For more details, visit the-debt-clinic.co.uk today!

UMBRELLA COMPANIES
Atlantic Umbrella great advisory on UK Umbrella Companies. Come check out the website.

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Do you have bad debt but need a loan? You will get the best advice and the best deal at Secured Loan Centre.

Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements.

Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card.

Balance Transfer Fee: A fee for transferring balances from another card to this card, if any.

Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit).

Cardholder: Any person who holds a payment card account.

Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.

Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.