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Bad Credit Credit Cards – Pros and Cons of Warzone Integrating with Call of Duty 2021 | Fintech Zoom

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Bad Credit Credit Cards – Pros and Cons of Warzone Integrating with Call of Duty 2021

While most other major first-person shooters have transitioned to a live-service model, Activision has created a hybrid approach for the beloved Call of Duty franchise. With mainline games still coming out every year only to be largely supplanted by the next year’s title, the free-to-play battle royale Warzone now acts as the glue that ties the whole franchise together. Meanwhile, each individual game still receives content updates, albeit limited by the focus placed on newer titles—many Modern Warfare fans have noticed a steep dropoff in developer support as Black Ops Cold War has taken the spotlight.

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The pattern is clear, and now the official announcement of a new Call of Duty game for 2021 has been revealed in an Activision investors call. While a lack of details has led to rampant speculation about the developer, setting, and timeline of Call of Duty 2021, one thing is apparent: it will almost certainly be integrated to some degree in Warzone. Whether that’s a good thing or a bad thing is a tough call for fans to make, and no one will know for sure until it’s fully implemented later this year. Still, there are many foreseeable advantages and pitfalls to integrating yet another Call of Duty game into Warzone‘s content roster, with pros and cons in equal abundance.

RELATED: Call of Duty 2021 Confirmed By Activision

Pro: Call of Duty 2021 Will Keep Warzone Alive

The biggest benefits to adding Call of Duty 2021 content to Warzone are in achieving the original goal of the battle royale hit: tying every Call of Duty game together under one big free-to-play umbrella. Warzone remains immensely popular, and keeping it that way requires a steady stream of new content for fans to chew on. If Warzone is to serve as the backbone of the franchise, it needs to be a place where fans of Modern Warfare, Black Ops, and whatever CoD 2021 will be (WW2 if leaks are to be believed) can all find something that appeals to them.

While it’s practically a guarantee that Warzone will add Call of Duty 2021 to the fold, it’s useful to picture what would happen if it didn’t. Excluding Call of Duty 2021 would only serve to split the Call of Duty fanbase, forcing players to choose one game or the other, rather than getting something new in 2021 and having a mix of old and new in Warzone. If there is to be a new Call of Duty game every year, Warzone has to keep up with them to to stay relevant. As one of the most popular battle royales to emerge in the trend, the choice to keep its community active is an easy one.

Con: There are Problems Warzone Needs to Fix First

cod warzone naga and woods operators

While new content is the lifeblood that keeps any live service game running, before updates can breathe life into a game it needs to have a stable structure to support new additions. Right now, many fans feel that Warzone is lacking in several key areas that need to be addressed before any content from more games is inserted. In Warzone currently, there is an epidemic of cheaters and bugs, as well as consistent balancing issues and a lack of communication from the developers.

Adding content from Black Ops Cold War was a strain on Warzone‘s underlying structure, and content from a prospective 2021 CoD game would no doubt do the same. Before the game is ready to support that many changes, the fundamentals need to be ironed out. Players consistently complain about rampant cheating that goes undetected and unpunished by anti-cheat software, while weapons balancing and bugs require constant attention. These issues have often been met by radio silence from a publisher that is more used to seasonal releases than constant communication with active communities in live-update games.

Pro: Call of Duty 2021 Will Add More Variety to Warzone

call of duty ww2 sledgehammer

The greatest strength of the Call of Duty franchise is its versatility, enabled by multiple series and development studios. Over the years, Call of Duty games’ settings have ranged from the past to modern day to the far future, the locations they take place in have spanned the globe, and their mechanics have varied from realism to arcade madness. Warzone has the potential to combine all of that variety into a single experience by incorporating aspects of completely different games, and that will set it apart from any other battle royale, or even any other shooter.

Leaks and rumors suggest that Call of Duty 2021 may take place in World War II, although earlier leakers thought it would be a modern setting or even take place in an imagined World War 3. The wind seems to be blowing towards a WW2 setting, though, and if Warzone can successfully bridge the gap between WW2, the Cold War, and modern combat settings, it will be nothing short of spectacular. Whatever the case, Warzone combining content from 3 completely separate, full games will serve to keep it interesting and provide enough content for every type of fan.

RELATED: Call of Duty 2021 Will Be Gritty and Controversial, Says Leaker

Con: Warzone Could Hold Call of Duty 2021 Back

call of duty 2020 sledgehammer raven header

As much as Call of Duty 2021 could help liven Warzone up, making concessions to work alongside Warzone could easily blunt CoD 2021‘s unique edge. If Warzone remains the umbrella that covers all of the Call of Duty games, it could stifle the creativity and uniqueness of each individual title. Because Warzone requires unified balancing and needs assets to be built using the same game engine, it could prevent CoD 2021 from feeling different enough.

With next gen consoles and the release of new graphics cards, a big-budget Call of Duty game in 2021 could certainly look fantastic, and feel very different if made by another studio (the rumored Sledgehammer, for example) in a new engine. However, to continue working alongside Warzone, Call of Duty 2021 will likely still use the same engine made for 2019’s Modern Warfare. The game engine could be ramped up to look better and run well on stronger hardware, but concerns about weapon balancing and a limit on creative license remain.

Pro: Warzone Will Let People Try CoD 2021 Content for Free

call of duty black ops cold war warzone season 2 roadmap

Because Warzone is free-to-play, it was a great in-road for many players to get a feel for how Modern Warfare would stack up as a series refresh. Likewise, many players waited to try out Cold War content in Warzone before springing on the full game for its more classic multiplayer experience and singleplayer campaign. Part of Activision’s strategy for Warzone is likely to help advertise new Call of Duty games to an existing playerbase by introducing them to new titles through content drops. The upside for players, though, is that they will get to see more of Call of Duty 2021 before they must commit to buying the full game.

Con: Saturation and Fatigue

Call Of Duty Activision Blizzard

The greatest possible downside of CoD 2021 being integrated into Warzone goes part and parcel with the risk inherent in Blizzard-Activision’s new model for Call of Duty as a whole. While other shooters are focused on maintaining current playerbases for as long as possible, the strategy for Call of Duty seems to be cycling players through yearly full releases (each with its own constant content updates) while still keeping them loyal to Warzone, another full game with its own content cycles, which is also still tied to all the other games. This model runs the risk of oversaturating the market and overloading players.

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Trying too hard to keep every new game tied to Warzone also runs the risk of fatiguing players who cannot keep up with each new release and update, while simultaneously disappointing the fanbase of each individual game with a lack of focused attention. Whether the combined might of Activision and all its subsidiary Call of Duty developers can make a full game that is worth players’ time and money year after year, while still keeping a long-term project like Warzone alive and competitive in the battle royale sphere remains to be seen, but the challenge of making it all work will doubtless put a strain on even such a massive publisher.

Call of Duty 2021 is in development.

MORE: Reddit Fans Mock Call of Duty 2021 Leak With Their Own Variant Titles

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Loans Bad Credit Online – Loans Bad Credit Online – PNC Personal loan 2021 Review | Fintech Zoom | Fintech Zoom

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Loans Bad Credit Online – Loans Bad Credit Online – PNC Personal loan 2021 Review | Fintech Zoom

Loans Bad Credit Online – PNC Personal loan 2021 Review

Top perks

Low minimum loan amount

Customers can borrow $1,000 to $20,000. That minimum loan amount of $1,000 is unusual in the personal loan industry. A low minimum threshold means you can get the cash you need to cover small emergencies without being tied down to a larger loan.

Wide range of repayment terms

You have between 6 and 60 months to repay the loan. There are pros and cons to longer repayment terms, so this flexibility allows you to customize your term to your situation.. With PNC, you have the option of designing a repayment plan that fits your monthly budget.

Joint applicants welcome

Whether you need a joint applicant’s high credit score to qualify for a lower loan interest rate or someone has decided to co-assume responsibility for a personal loan, PNC allows for joint applicants.

What could be improved

Terms depend on location

The first thing you will be asked is where you live. On its loan homepage, PNC states that “PNC product and feature availability varies by location.” While this may be good news for borrowers in some areas of the country, it could be bad for others. You’ll need to see what it means for you.

Lowest interest rate reserved

If you’re looking to borrow enough to make repairs to your roof or buy a new furnace, you might not borrow enough to qualify for PNC’s lowest advertised interest rate. That’s because that low interest rate is reserved for those borrowing more money. For example, PNC will automatically assign a $5,000 loan a higher interest rate than a $15,000 loan.

Loans Bad Credit Online – PNC Personal loan 2021 Review

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Loans Bad Credit Online – Loans Bad Credit Online – PNC Personal loan 2021 Review | Fintech Zoom

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Loans Bad Credit Online – Badger Advisors Gets Bad Review For Credit Card Refinancing | Fintech Zoom

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Loans Bad Credit Online – Badger Advisors Gets Bad Review For Credit Card Refinancing

Editorial Credit: Djomas

Badger Advisors wants you to believe they are offering credit card refinancing and have begun flooding the market with debt consolidation and credit card relief offers. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect. The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2021 Reviews, the personal finance review site, has been following Badger Advisors, Rockville Advisors, Old Dominion Associates, Sooner Partners, Snowbird Partners, Gulf Street Advisors, Memphis Associates, Safe Path Advisors, Plymouth Associates, Tate Funding, Braidwood Capital, Tiffany Funding, Nickel Advisors, Coral Funding, Neon Funding, Polk Partners, Ladder Advisors (also known as Carina Advisors, Corey Advisors, Pennon Partners, Jayhawk Advisors, Clay Advisors, Colony Associates, and Pine Advisors, etc.).

Editorial Credit: Ollyy

Credit Card Refinancing

Credit card refinancing is a possibly feasible solution for your piling credit card debt. Under credit card refinancing, all of your credit card balances go into one account where a single interest rate is charged. If you have a good enough credit score, then you may be able to qualify for credit card refinancing at low-interest rates. Just like other refinance options, credit card refinancing also entails a loan offer to pay off your debts and improve your financial health. You will then have to focus on the credit card refinancing loan only and no other credit card balance.

Another major advantage of credit card refinancing is that the interest rate will not vary over the lifecycle of the loan. This will simplify your life a lot and make debt servicing much easier since you will know how long it will take for you to pay back your loan. With variable interest rates that you often find in credit cards, you can end up incurring higher interest expenses. But with a fixed interest rate that credit card refinancing purveys, you will not have to face this unwelcome possibility.

With the right kind of credit card refinancing loan, you can possibly save hundreds and even thousands of dollars on interest expenses this way. Of course, you will have to be punctual with your monthly repayments. If the terms and conditions of your credit card refinancing loan are favorable then you may very well embark on the road to financial freedom and get there before you know it.

Is There Any Difference Between Credit Card Refinancing and Debt Consolidation?

From the aforementioned discourse, you may have realized that credit card refinancing is very similar to debt consolidation and that indeed is the case. Both are about settling all debts with one favorable loan so that you can focus on this loan only and enjoy its lenient terms and conditions to rebuild your credit score and gradually work your way towards debt freedom.

Provided the terms and conditions of your credit card refinancing loans are suitable, this financial option represents a viable route for managing and paying off your outstanding liabilities in a better way.

Why Credit Card Refinancing loan May be Better

A credit card refinancing loan may be a better choice than a balance transfer card. The idea of a balance transfer card is to take advantage of the zero APR introductory period that usually lasts from 12 to 18 months. However, there are a few caveats due to which a balance transfer card may not exactly be a good idea.

The zero APR period may look tempting but it still may not be long enough to pay off your entire credit card debt. And that is unfortunate because once the zero APR limit expires then you will have to pay very high interest and you may even incur penalties. Then there is the question of balance transfer fees that can offset the advantages of the zero APR time frame.

Another problem is that the credit limit of the balance transfer credit card may not be big enough to accommodate all of your credit card balances. This is a real possibility since your credit card debt is high to begin with and it may not fit within the credit limit of the balance transfer card.

Then there is the danger of spending with the balance transfer credit card. The inability to control spending and use of credit cards is the very reason why people fall into credit card debt traps in the first place. This possibility is very much open and present with balance transfer cards. Instead of helping you, they may worsen your debt situation since they too are credit cards that are all too easy to misuse. What’s worse, they have exorbitant interest rates.

Such a scenario cannot transpire with a credit card refinancing loan since it is not a credit line – this loan immediately goes towards paying off your credit card balances due to which there is no peril of misuse. Instead of getting another credit card in the shape of a balance transfer card it is much safer to freeze all of your cards and repay your debts.

If you do your research on credit card refinancing then you might find that some people also include balance transfer credit cards under this heading. But due to the drawbacks mentioned above, you should try to steer clear of balance credit cards and instead take out a personal loan for the sole purpose of repaying your credit card debts.

The prime advantage of credit card refinancing is that they can provide you with a low interest rate if you have a good enough credit score.

How to Make Credit Card Refinancing a Success

While credit card refinancing provides good terms and conditions, it is not a magic elixir that will cure all of your financial woes.

To make your credit card refinancing a success, you will have to follow some good money habits and exercise discipline at the same time.

You should try to find extra sources of income. You can think about working overtime at your job if that is possible. If not, you can opt for freelancing gigs and projects. Even if you earn a few hundred dollars through this route each month, it will prove to be of great assistance in helping you become debt-free more quickly.

You should also think up ways of saving on expenses. A major reason why consumers incur enormous debts is that they do not track their spending. This is a habit that you must remedy forthwith if you wish to get out of your financial predicament quickly. No matter how little your expense, make sure you record it somewhere secure. You can utilize apps to record your transactions. Thus, you will know the areas on which your spending is inordinate. You will also be able to compare your spending with your planned budget.

You should get in touch with your financial advisor to find out whether credit card refinancing is right for you.

Loans Bad Credit Online – Badger Advisors Gets Bad Review For Credit Card Refinancing

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The Pros and Cons of Being an Authorized User on a Credit Card

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Having friends has its perks, especially if that friend lets you be an authorized user on their credit card.

If you’re thinking of asking someone you trust to be added as an authorized user on one of their cards, it’s important to know what you’re getting into with this decision. Instead of getting your own credit card, you may be thinking of taking this step so that you have access to a card when you need it. There are advantages and disadvantages to being an authorized user. Keep reading to learn the pros and cons of being an authorized user on a credit card.

What is an authorized user?

An authorized user is someone who has permission to use a credit card account. While they’re legally able to use the credit card, they’re not responsible for paying off the credit card debt. Most top credit card issuers allow their cardholders to add an authorized user to their account.

Can anyone be added as an authorized user?

Most credit card issuers have age requirements in place for authorized users. Other than that, there aren’t restrictions.

The pros of being an authorized user

Being an authorized user on a credit card has its advantages:

  • This can help build credit. For someone with little or no credit, being added as an authorized user can help them build a good credit score. That’s because many credit card companies report the history of the account on an authorized user’s credit report. This can be helpful in the future when you attempt to open your own credit card account.
  • It gives a person access to a credit card. With poor credit history or a bad credit score, it can be challenging to get a credit card. Being added as an authorized user can give you access to a credit card, which can be especially helpful during an emergency.
  • You can learn how to manage money. Being an authorized user is a great way to learn how to manage money better. You can learn how to make smart financial decisions before opening your own credit account.

The cons of being an authorized user

Here’s what you need to look out for:

  • The account holder’s actions can negatively impact your credit. If the credit cardholder misses payments or racks up a lot of debt on the card, it could negatively impact your credit. Before being added as an authorized user, it’s a smart idea to consider whether the credit cardholder is financially responsible.
  • They can remove you at any time. The credit cardholder can remove you as an authorized user at any time. When this happens, that account will no longer appear on your credit report. This is something to consider if you want to build your credit.
  • It could cause relationship issues. If you and the cardholder disagree about which charges you’ve made or how much you owe them, this could cause added stress and could lead to relationship issues. Consider setting clear boundaries and ways to track purchases made so that you minimize disagreements or confusion.

The bottom line

Being added as an authorized user may be a good option for you. But, you need to be well aware of the positives and negatives. Talk with someone you trust about this opportunity and outline expectations and rules. Then you can both decide if it’s the right move to make.

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