Blood Light Studio Paintings Dealer and Reseller Paintings

17Aug/10Off

Signed Print

Here are Todays Great Signed Print Deals

Large scale forest landscape of modern art painting knife AR0019
Large scale forest landscape of modern art painting knife AR0019
$0.01
End Date: Friday May-25-2012 23:54:19 PDT
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OLD Texas Listed Artist Fine Art wpa style and era LITHOGRAPH antique artwork
OLD Texas Listed Artist Fine Art wpa style and era LITHOGRAPH antique artwork
$185.51
End Date: Saturday Jun-23-2012 18:21:18 PDT
Buy It Now for only: $185.51
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USA Free shipping oil painting art female chinese Ballet girl Print on canvas
USA Free shipping oil painting art female chinese Ballet girl Print on canvas
$0.99 (1 Bid)
End Date: Saturday May-26-2012 0:39:45 PDT
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William Ward Jr American Artist 1875 1935 oil on Board Harbor Scene
William Ward Jr American Artist 1875 1935 oil on Board Harbor Scene
$599.99
End Date: Saturday May-26-2012 3:32:31 PDT
Buy It Now for only: $800.00
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Special PoP ART pencil drawing signed Roy Lichtenstein w RG+COA Warhol era
Special PoP ART pencil drawing signed Roy Lichtenstein w RG+COA Warhol era
$280.00
End Date: Saturday May-26-2012 4:16:58 PDT
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CHARLESTON SC ART  PORTRAIT RIBBONS OF GOLD MIXED MEDIA ON CANVAS LYNNE TROLL
CHARLESTON SC ART PORTRAIT RIBBONS OF GOLD MIXED MEDIA ON CANVAS LYNNE TROLL
$899.00
End Date: Sunday Jun-24-2012 21:19:30 PDT
Buy It Now for only: $899.00
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ETCHING Nicholas HORNYANSKY 1896 1965 BELGIUM
ETCHING Nicholas HORNYANSKY 1896 1965 BELGIUM
$449.00
End Date: Saturday May-26-2012 6:06:09 PDT
Buy It Now for only: $495.00
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Cafe by Tsuguharu Foujita Rare Popular Old Framed litho
Cafe by Tsuguharu Foujita Rare Popular Old Framed litho
$169.00 (1 Bid)
End Date: Saturday May-26-2012 6:08:13 PDT
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Handicrafts Repro oil paintingfantasy girl 24x36
Handicrafts Repro oil paintingfantasy girl 24x36
$9.99
End Date: Saturday May-26-2012 7:02:27 PDT
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Edgar Payne Brittany Boats Vintage Serigraph circa 1930s 40s
Edgar Payne Brittany Boats Vintage Serigraph circa 1930s 40s
$395.00
End Date: Wednesday May-30-2012 13:52:23 PDT
Buy It Now for only: $395.00
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Handicrafts oil paintinglovely little girl angel 20x24
Handicrafts oil paintinglovely little girl angel 20x24
$9.99
End Date: Saturday May-26-2012 7:04:03 PDT
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Handicraft art Oil painting still life with Parrot bird 24x36
Handicraft art Oil painting still life with Parrot bird 24x36
$9.99
End Date: Saturday May-26-2012 7:06:44 PDT
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Handicraft Classic Girl Oil Paintings Portrait Art On Canvas 9496
Handicraft Classic Girl Oil Paintings Portrait Art On Canvas 9496
$9.99
End Date: Saturday May-26-2012 7:07:25 PDT
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Hawaii Pacific Island Beach Sunset Palms 20X24 Stretched Oil On Canvas Painting
Hawaii Pacific Island Beach Sunset Palms 20X24 Stretched Oil On Canvas Painting
$77.77
End Date: Friday Jun-1-2012 20:30:12 PDT
Buy It Now for only: $77.77
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Dan Goad Artist island sceens
Dan Goad Artist island sceens
$60.00
End Date: Saturday May-26-2012 7:12:00 PDT
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HANDICRAFT ART REPRO OIL PAINTING THE LAST SUPPER
HANDICRAFT ART REPRO OIL PAINTING THE LAST SUPPER
$9.99
End Date: Saturday May-26-2012 7:12:22 PDT
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Dan Goad Artist Ocean Reef I  II
Dan Goad Artist Ocean Reef I II
$95.00
End Date: Saturday May-26-2012 7:12:49 PDT
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KENNETH NOLAND Stamp Signed N SILKSCREEN NY Portfolio for Stockholm 64 300 1973
KENNETH NOLAND Stamp Signed N SILKSCREEN NY Portfolio for Stockholm 64 300 1973
$749.96
End Date: Sunday May-27-2012 23:07:23 PDT
Buy It Now for only: $749.96
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Dan Goad Artist Purple Birds
Dan Goad Artist Purple Birds
$60.00
End Date: Saturday May-26-2012 7:13:26 PDT
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Dan Goad Artist sea turtle and fish
Dan Goad Artist sea turtle and fish
$45.00
End Date: Saturday May-26-2012 7:13:46 PDT
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Dan Goad Artist White Birds
Dan Goad Artist White Birds
$60.00
End Date: Saturday May-26-2012 7:14:23 PDT
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JONATHAN LASKER Signed N Lithograph Ball Figures I Tamarind Institute FS 1500
JONATHAN LASKER Signed N Lithograph Ball Figures I Tamarind Institute FS 1500
$599.96
End Date: Thursday Jun-7-2012 2:09:10 PDT
Buy It Now for only: $599.96
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Modern Abstract Huge canvas Art Oil Painting 24x48
Modern Abstract Huge canvas Art Oil Painting 24x48
$9.99
End Date: Saturday May-26-2012 7:14:48 PDT
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Handicraft Art oil painting the World War II Tank 24x36
Handicraft Art oil painting the World War II Tank 24x36
$9.99
End Date: Saturday May-26-2012 7:17:42 PDT
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Luc painting art Joseph Cach
Luc painting art Joseph Cach
$139.00
End Date: Saturday May-26-2012 7:18:00 PDT
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Listed DAVID BATES Signed N Lithograph IRIS 1998 Tamarind Institute 1500 FS
Listed DAVID BATES Signed N Lithograph IRIS 1998 Tamarind Institute 1500 FS
$599.96
End Date: Thursday Jun-7-2012 3:30:54 PDT
Buy It Now for only: $599.96
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Handicrafts Art oil paintingJesus in the ship
Handicrafts Art oil paintingJesus in the ship
$9.99
End Date: Saturday May-26-2012 7:18:34 PDT
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Handicraft animal oil painting dog Commonness portrait
Handicraft animal oil painting dog Commonness portrait
$9.99
End Date: Saturday May-26-2012 7:21:16 PDT
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Handicrafts Art Repro oil painting The rooster and chicken
Handicrafts Art Repro oil painting The rooster and chicken
$9.99
End Date: Saturday May-26-2012 7:23:56 PDT
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John Lennon signed Art Work
John Lennon signed Art Work
$1,950.00
End Date: Sunday May-27-2012 19:49:02 PDT
Buy It Now for only: $1,950.00
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Repro Handicraft Oil painting  MAN Gay Male Art
Repro Handicraft Oil painting MAN Gay Male Art
$9.99
End Date: Saturday May-26-2012 7:24:15 PDT
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Art portrait oil painting Woman on canvas 24X36
Art portrait oil painting Woman on canvas 24X36
$9.99
End Date: Saturday May-26-2012 7:27:23 PDT
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High quality oil painting the Still Life Of Roses In A Glass Vase
High quality oil painting the Still Life Of Roses In A Glass Vase
$9.99
End Date: Saturday May-26-2012 7:29:30 PDT
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MARKUS RATZ Swiss Artist Etching Print SIGNED N GNUUSCH MESS Swiss Art Society
MARKUS RATZ Swiss Artist Etching Print SIGNED N GNUUSCH MESS Swiss Art Society
$149.99
End Date: Tuesday May-29-2012 5:10:47 PDT
Buy It Now for only: $149.99
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art oil painting dog Commonness portrait 5509
art oil painting dog Commonness portrait 5509
$9.99
End Date: Saturday May-26-2012 7:31:15 PDT
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Handicrafts oil painting horse In canvas 4799
Handicrafts oil painting horse In canvas 4799
$9.99 (1 Bid)
End Date: Saturday May-26-2012 7:32:25 PDT
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Contempoary Huge Abstract Animals Horses Oil Painting On Canvas Handmade H068
Contempoary Huge Abstract Animals Horses Oil Painting On Canvas Handmade H068
$49.99
End Date: Saturday May-26-2012 7:33:17 PDT
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Original Abstract modern Paintings Red Contemporary Art Gallery by Maitreyii
Original Abstract modern Paintings Red Contemporary Art Gallery by Maitreyii
$399.00
End Date: Monday Jun-4-2012 14:12:54 PDT
Buy It Now for only: $399.00
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art oil painting dog Commonness portrait  33916
art oil painting dog Commonness portrait 33916
$9.99
End Date: Saturday May-26-2012 7:35:43 PDT
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MODERN ABSTRACT HUGE CANVAS ART OIL PAINTING 6579
MODERN ABSTRACT HUGE CANVAS ART OIL PAINTING 6579
$9.99
End Date: Saturday May-26-2012 7:38:02 PDT
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Handicrafts Animal oil painting  the Beautiful peacock  on canvas 4098
Handicrafts Animal oil painting the Beautiful peacock on canvas 4098
$9.99
End Date: Saturday May-26-2012 7:42:04 PDT
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Original Boxer Pet Puppy Painting Kristine Kasheta Bull Dog Ready Hang Art
Original Boxer Pet Puppy Painting Kristine Kasheta Bull Dog Ready Hang Art
$79.00
End Date: Sunday Jun-24-2012 21:45:56 PDT
Buy It Now for only: $79.00
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Handicrafts Animal oil painting White Tiger on canvas 1209
Handicrafts Animal oil painting White Tiger on canvas 1209
$9.99
End Date: Saturday May-26-2012 7:43:04 PDT
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Handicrafts ART oil painting  the  Jesus in the ship  4889
Handicrafts ART oil painting the Jesus in the ship 4889
$9.99
End Date: Saturday May-26-2012 7:48:55 PDT
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Handicrafts ART oil painting  the Mermaid girl 3289
Handicrafts ART oil painting the Mermaid girl 3289
$9.99
End Date: Saturday May-26-2012 7:51:32 PDT
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PATH TO THE OCEAN PRINT BY GEORGIA JANESSE SEA FENCE CLOUDY SKY
PATH TO THE OCEAN PRINT BY GEORGIA JANESSE SEA FENCE CLOUDY SKY
$28.00
End Date: Wednesday Jun-6-2012 13:26:27 PDT
Buy It Now for only: $28.00
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OIL PAINTING MYSTERY WOMANBUY2+1FREE 281US
OIL PAINTING MYSTERY WOMANBUY2+1FREE 281US
$0.99
End Date: Saturday May-26-2012 7:55:08 PDT
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OIL PAINTING NUDE WOMAN ON THE WATERBUY2+1FREE410US
OIL PAINTING NUDE WOMAN ON THE WATERBUY2+1FREE410US
$0.99
End Date: Saturday May-26-2012 8:13:06 PDT
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OIL PAINTING MUSK PARTY BROWN COLORBUY2+1FREE481US
OIL PAINTING MUSK PARTY BROWN COLORBUY2+1FREE481US
$0.99
End Date: Saturday May-26-2012 8:18:36 PDT
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Sergon By The Pond Giclee on canvas 26 x 33 Edition 76 375  Free shipping
Sergon By The Pond Giclee on canvas 26 x 33 Edition 76 375 Free shipping
$695.00
End Date: Saturday Jun-23-2012 18:50:30 PDT
Buy It Now for only: $695.00
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Thomas Kinkades The Sheperds Cottage I
Thomas Kinkades The Sheperds Cottage I
$699.00
End Date: Saturday May-26-2012 8:29:55 PDT
Buy It Now for only: $1,200.00
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Large Handmade Original Art Tree Abstract Oil Painting On Canvas hn187
Large Handmade Original Art Tree Abstract Oil Painting On Canvas hn187
$49.99
End Date: Saturday May-26-2012 8:45:25 PDT
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LEE REYNOLDS Painting Modern Metallic Look 3D Mixed Media Large Wall Hanging
LEE REYNOLDS Painting Modern Metallic Look 3D Mixed Media Large Wall Hanging
$249.99
End Date: Saturday May-26-2012 8:50:50 PDT
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Oil Painting Abstract Red Tree Forest Lake Modern Art Wall Decor 24X36 Stretched
Oil Painting Abstract Red Tree Forest Lake Modern Art Wall Decor 24X36 Stretched
$98.95
End Date: Friday Jun-1-2012 15:30:17 PDT
Buy It Now for only: $98.95
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OIL PAINTING NUDE BLOND WOMANBUY2+1FREE 515US
OIL PAINTING NUDE BLOND WOMANBUY2+1FREE 515US
$0.99
End Date: Saturday May-26-2012 8:52:07 PDT
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Modern knife landscape painting on canvas BL031
Modern knife landscape painting on canvas BL031
$0.01
End Date: Saturday May-26-2012 9:10:27 PDT
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Contemporary art oil paintings all across the road BL022
Contemporary art oil paintings all across the road BL022
$0.01
End Date: Saturday May-26-2012 9:10:56 PDT
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WILLIE COLE African American Artist SIGNED N Lithograph Iron Blossom 2 1800
WILLIE COLE African American Artist SIGNED N Lithograph Iron Blossom 2 1800
$975.00
End Date: Tuesday Jun-5-2012 16:14:27 PDT
Buy It Now for only: $975.00
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Modern art abstract oil painting on canvas BL0247
Modern art abstract oil painting on canvas BL0247
$0.01
End Date: Saturday May-26-2012 9:16:45 PDT
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Vintage Watercolor Sailboats at Rest in Harbor by Bookmyer
Vintage Watercolor Sailboats at Rest in Harbor by Bookmyer
$19.95
End Date: Saturday May-26-2012 9:17:06 PDT
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Contemporary cool art abstract mono print monotype blue grey brown painting Miro
Contemporary cool art abstract mono print monotype blue grey brown painting Miro
$39.00
End Date: Saturday May-26-2012 9:20:37 PDT
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VINTAGE FRAMED OIL PAINTING STILL LIFE FLOWERS VETREESE
VINTAGE FRAMED OIL PAINTING STILL LIFE FLOWERS VETREESE
$166.00
End Date: Sunday Jun-24-2012 17:51:52 PDT
Buy It Now for only: $166.00
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Modern art abstract monoprint monotype blue grey modernism print painting Miro
Modern art abstract monoprint monotype blue grey modernism print painting Miro
$39.00
End Date: Saturday May-26-2012 9:20:48 PDT
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Huge Hand Painted Modern Landscape Tree Flowers Oil Painting On Canvas Hhp649
Huge Hand Painted Modern Landscape Tree Flowers Oil Painting On Canvas Hhp649
$24.99
End Date: Saturday May-26-2012 9:21:24 PDT
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RAMA  SITA Madhubani Handmade Paper Folk Art Painting Signed NOVICA India
RAMA SITA Madhubani Handmade Paper Folk Art Painting Signed NOVICA India
$71.96
End Date: Saturday May-26-2012 9:22:51 PDT
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SUPERB Robert NATKIN Abstract Expressionist Silkscreen Hand Signed N 38 40 1974
SUPERB Robert NATKIN Abstract Expressionist Silkscreen Hand Signed N 38 40 1974
$750.00
End Date: Tuesday Jun-5-2012 5:45:16 PDT
Buy It Now for only: $750.00
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ORIGINAL OIL PAINTING BUCK  DOE DEER HUNTING AMERICAN ARTIST SIGNED
ORIGINAL OIL PAINTING BUCK DOE DEER HUNTING AMERICAN ARTIST SIGNED
$68.00
End Date: Saturday May-26-2012 9:23:54 PDT
Buy It Now for only: $125.00
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Thomas Kinkade HD Prints oil painting on canvasChristmas Eve
Thomas Kinkade HD Prints oil painting on canvasChristmas Eve
$9.99
End Date: Saturday May-26-2012 9:24:45 PDT
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Thomas Kinkade HD Prints oil painting on canvasWinter scenery
Thomas Kinkade HD Prints oil painting on canvasWinter scenery
$9.99
End Date: Saturday May-26-2012 9:31:08 PDT
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Susan Rios Rare Original Acyrlic on Canvas Painting by Artist Susan Rios
Susan Rios Rare Original Acyrlic on Canvas Painting by Artist Susan Rios
$875.00
End Date: Sunday Jun-3-2012 20:28:07 PDT
Buy It Now for only: $875.00
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Thomas Kinkade HD Prints oil painting on canvasBeginning of autumn beauty
Thomas Kinkade HD Prints oil painting on canvasBeginning of autumn beauty
$9.99
End Date: Saturday May-26-2012 9:32:32 PDT
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Thomas Kinkade HD Prints oil painting on canvasThe villa on the coast
Thomas Kinkade HD Prints oil painting on canvasThe villa on the coast
$9.99
End Date: Saturday May-26-2012 9:32:32 PDT
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Thomas Kinkade HD Prints oil painting on canvasA Lou sun
Thomas Kinkade HD Prints oil painting on canvasA Lou sun
$9.99
End Date: Saturday May-26-2012 9:38:40 PDT
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ORIGINAL HAND PAINTED 12 VINYL RECORD DJ HIP HOP ABSTRACT FOLK ART BY DEAF ALEX
ORIGINAL HAND PAINTED 12 VINYL RECORD DJ HIP HOP ABSTRACT FOLK ART BY DEAF ALEX
$25.00
End Date: Sunday Jun-24-2012 12:02:35 PDT
Buy It Now for only: $25.00
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Thomas Kinkade HD Prints oil painting on canvasCinderella Wishes
Thomas Kinkade HD Prints oil painting on canvasCinderella Wishes
$9.99
End Date: Saturday May-26-2012 9:45:55 PDT
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LARGE 24x24 MARK KAZAV ORIGINAL OIL PAINTING CANVAS Jazz comes stretched
LARGE 24x24 MARK KAZAV ORIGINAL OIL PAINTING CANVAS Jazz comes stretched
$179.00
End Date: Saturday May-26-2012 9:47:07 PDT
Buy It Now for only: $500.00
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Thomas Kinkade HD Prints oil painting on canvasCobblestone bridge
Thomas Kinkade HD Prints oil painting on canvasCobblestone bridge
$9.99
End Date: Saturday May-26-2012 9:47:20 PDT
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Tuscany Italian Sunset Country Home Red Poppies 24X36 Oil On Canvas Painting
Tuscany Italian Sunset Country Home Red Poppies 24X36 Oil On Canvas Painting
$98.95
End Date: Thursday May-31-2012 18:33:46 PDT
Buy It Now for only: $98.95
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Original HD Prints oil painting on canvasLotus bloom
Original HD Prints oil painting on canvasLotus bloom
$9.99
End Date: Saturday May-26-2012 9:47:39 PDT
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Thomas Kinkade HD Prints oil painting on canvasBeauty and the Beast
Thomas Kinkade HD Prints oil painting on canvasBeauty and the Beast
$9.99 (1 Bid)
End Date: Saturday May-26-2012 9:47:42 PDT
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Thomas Kinkade HD Prints oil painting on canvasBambis First Year
Thomas Kinkade HD Prints oil painting on canvasBambis First Year
$9.99
End Date: Saturday May-26-2012 9:48:47 PDT
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RARE 80S LARGE LITHOGRAPH BENJAMIN 100 TONY KING LISTED
RARE 80S LARGE LITHOGRAPH BENJAMIN 100 TONY KING LISTED
$2,500.00
End Date: Sunday Jun-24-2012 16:12:06 PDT
Buy It Now for only: $2,500.00
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Thomas Kinkade HD Prints oil painting on canvasFortress in the sunset
Thomas Kinkade HD Prints oil painting on canvasFortress in the sunset
$9.99
End Date: Saturday May-26-2012 9:51:55 PDT
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Original HD prints paintings on canvas decor photot art Surf
Original HD prints paintings on canvas decor photot art Surf
$9.99
End Date: Saturday May-26-2012 9:52:00 PDT
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Thomas Kinkade HD Prints oil painting on canvasGone With The Wind
Thomas Kinkade HD Prints oil painting on canvasGone With The Wind
$9.99
End Date: Saturday May-26-2012 9:52:38 PDT
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ANDREW WYETH Hand SIGNED Numbered Four Seasons Portfolio 12 Prints 1962 3700+
ANDREW WYETH Hand SIGNED Numbered Four Seasons Portfolio 12 Prints 1962 3700+
$1,875.00
End Date: Monday Jun-4-2012 1:06:26 PDT
Buy It Now for only: $1,875.00
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Thomas HD Prints oil painting on canvasRainbow Road
Thomas HD Prints oil painting on canvasRainbow Road
$9.99
End Date: Saturday May-26-2012 9:53:37 PDT
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36x30 RED POPPIES BY MARK KAZAV ORIGINAL OIL PAINTING CANVAS COMES STRETCHED
36x30 RED POPPIES BY MARK KAZAV ORIGINAL OIL PAINTING CANVAS COMES STRETCHED
$299.00
End Date: Saturday May-26-2012 9:53:40 PDT
Buy It Now for only: $800.00
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Original HD prints paintings on canvas decor photot art Sunset Eiffel
Original HD prints paintings on canvas decor photot art Sunset Eiffel
$9.99
End Date: Saturday May-26-2012 9:54:17 PDT
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LIVING LIFE PRINT BY BONNIE MOHR 36 x 12 panaramic
LIVING LIFE PRINT BY BONNIE MOHR 36 x 12 panaramic
$30.00
End Date: Saturday Jun-23-2012 3:55:29 PDT
Buy It Now for only: $30.00
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Original HD Prints oil painting on canvasBeauty Seaside
Original HD Prints oil painting on canvasBeauty Seaside
$9.99
End Date: Saturday May-26-2012 9:55:28 PDT
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Large Art Deco Handmade Landscape Abstract Tree Oil Painting On Canvas H013
Large Art Deco Handmade Landscape Abstract Tree Oil Painting On Canvas H013
$49.99
End Date: Saturday May-26-2012 9:57:13 PDT
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OIL PAINTING MUSK PARTYABSTRACTBUY2+1FREE 506US
OIL PAINTING MUSK PARTYABSTRACTBUY2+1FREE 506US
$0.99
End Date: Saturday May-26-2012 9:57:45 PDT
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REPRO HANDICRAFT ART OIL PAINTING  Descent from Cross  1616
REPRO HANDICRAFT ART OIL PAINTING Descent from Cross 1616
$79.85
End Date: Sunday Jun-24-2012 6:40:47 PDT
Buy It Now for only: $79.85
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Jim Morrison hand painted acrylic painting on canvas 155 X 234 Original
Jim Morrison hand painted acrylic painting on canvas 155 X 234 Original
$1.55
End Date: Saturday May-26-2012 9:58:21 PDT
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Thomas Kinkade HD Prints oil painting on canvasLaker Beauty SCAPE
Thomas Kinkade HD Prints oil painting on canvasLaker Beauty SCAPE
$9.00
End Date: Saturday May-26-2012 10:00:40 PDT
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Thomas Kinkade HD Prints oil painting on canvasSea Wizard
Thomas Kinkade HD Prints oil painting on canvasSea Wizard
$9.99
End Date: Saturday May-26-2012 10:01:29 PDT
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SAND DOLLAR SOCIAL CLUB FOLLY BEACH S C SIGNED AND NUMBERED PRINT
SAND DOLLAR SOCIAL CLUB FOLLY BEACH S C SIGNED AND NUMBERED PRINT
$28.00
End Date: Sunday Jun-24-2012 6:36:54 PDT
Buy It Now for only: $28.00
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Thomas Kinkade HD Prints oil painting on canvasBankoboev
Thomas Kinkade HD Prints oil painting on canvasBankoboev
$9.00
End Date: Saturday May-26-2012 10:02:00 PDT
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Thomas Kinkade HD Prints oil painting on canvasCountry living
Thomas Kinkade HD Prints oil painting on canvasCountry living
$9.99
End Date: Saturday May-26-2012 10:02:35 PDT
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More Great Information on Signed Print:

Time to Read the Small Print Coming from Your Credit Card Company

Starting August 20th one of the main provisions in the bill President Obama signed in May goes into effect. While most provisions in the Credit Card Accountability, Responsibility and Disclosure Act don't take effect until next year, the advance notice requirement is part of the first phase of regulations put forth in the bill. Previously, credit card issuers could raise rates with just 15 days' notice but, with the activation of the advance notice requirement, card holders must be given a warning at least 45 days before interest rates can be hiked.

There are some exceptions to the provisions, which is why you’ll want to keep an eye on the mail coming from your credit card company. One exemption applies to variable rate cards pegged to a benchmark like the prime rate or the London interbank offered rate (LIBOR); if you have one your issuer doesn’t need to give you advance notice if the pegged benchmark changes. For that reason, banks are switching fixed rate accounts to variables.

The variable rate charged to card holder is calculated by adding a margin to the benchmark. For instance, with the prime rate currently at 3.25%, a margin of 6.7% would result in a rate of 9.95%. Should the prime rate increase to 4.25%, the interest rate charged to card holders would rise to 10.95%, which is another reason behind the issuers changing from fixed to variable rate cards; with interest rates at historic lows, issuers don’t want to lock in rates at low levels when there is essentially nowhere for them to go but up. The Credit CARD Act’s provisions do require a 45 day notice if the margin charged above the benchmark is increased by the issuer.

Many issuers are making changes (increases) in rates and fees prior to August 20th to avoid restrictions that will be in effect as of that date. Card holders have five options once they receive a notice from their issuer regarding interest rate hikes, or other fee increases:

1) Pay off the balance – If you have several credit cards, make sure your highest balances are on the cards with the lowest interest rates. If a full payoff of your cards with the highest rates is possible, pay them down. Be sure to leave enough cash on hand to live on should you experience a job loss or illness. Don’t assume that your available credit will be there if you need it later. Issuers have been cutting credit limits across the board to reduce risk.

2) Continue to make payments at the new rate - If rates are being hiked on an account with a low balance, the increase in your monthly payment may be tolerable. If so, you can maintain your payments and keep the account open, which can be beneficial toward your credit score.

3) Transfer to a lower cost issuer – If your credit scores are solid, see where you can get the best deal with another issuer. Be sure to get familiarized with all the terms with the new credit card.

4) Opt out – After August 20th the 45 day notification will be in effect but there is no cap on the amount that rates can be increased. That window will allow credit card issuers to make huge interest rate hikes on their accounts. If a large rate increase is going against a larger balance and transferring isn’t an option, issuers are required to allow card holders to continue making payments at their current rate until the card is paid in full. No further purchases are allowed and the account will be closed as soon as it is paid off.

5) Debt settlement – Many card holders are struggling to make payments under current conditions. Seen as the highest risk component of issuers’ portfolios, many of the rate and fee hikes are being pointed at those that are in the most vulnerable position. Chase, for instance, is raising the minimum payments on their higher risk accounts from 2% to 5%. That increase alone is going to cause major problems for a large of their card holders. Should the minimum payment requirement be paired with interest rate hikes, the problems will be even greater. At that point debt settlement becomes a viable option, not only for credit cards but for other unsecured debts as well. Medical bills, department store debt, and signature loans are among the many other types of accounts which can be rolled in to a debt settlement. The immediate relief provided comes in the form of a reduction of approximately 50% on the monthly payments for accounts that have been rolled in to the settlement. The longer term benefit is that the accounts are typically settled at a discount of 40% to 60% of the original balance, allowing for a full payoff of all accounts over a time frame ranging from 18 to 48 months.

For card holders struggling with debt, the last two options are likely to be the best choices but each must be considered on its own merits. For instance, opting out with the ultimate closure of the account can hurt your credit score due to something known as a "credit utilization ratio". That ratio is calculated based on the amount of credit you are currently using as a percentage of your total of your available credit. A low credit utilization ratio is desirable while a high number can designate you as a risky borrower and hurt your credit score. By closing an account and losing the available credit attached to it, your ratio could increase.

Due to the many variables that can face struggling individuals, making the best choice depends on the circumstances of each situation. If a major purchase relating to a credit line or mortgage is in the near future, taking action that may lower your credit score before the transaction could result in higher interest payments or non-approval. For homeowners that are applying for a loan modification, reducing the monthly debt load using a debt settlement could yield positive results due to the fact that credit scores are not an important factor in the decision making process for approval. Many homeowners, in fact, are employing law firms familiar with both processes to synchronize their debt settlements with their home loan modifications.

If you are already carrying a low credit score, the opt out process won’t do significant damage to your credit score. The same can be said for entering into a debt settlement. For many borrowers, taking defensive measures to keep food on the table is a much higher priority than worrying about the addition or subtraction of points on a credit score. In either case, by staying to plan and paying off the associated balances, you be able to rebuild your credit score at some point in the future under less stressful circumstances.

Debt settlement and bankruptcy lawyers function in different ways. With debt settlement, you negotiate with your creditors in order to reduce the principal amount of
term insurance
. Debt settlement is useful for people when they significantly lag behind in paying the bills and when they owe unsecured like
group health insurance
.

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